The Money Muse

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Follow along as I share strategies and lessons to help you take control of your financial future.

What are the benefits of joining a financial independence group?

Why joining a financial independence group can provide accountability, perspective, and motivation while making the FIRE journey feel less isolating.
What Is Sequence of Returns Risk (SORR)?

Sequence of returns risk is the danger of retiring during a downturn, when early withdrawals can permanently damage your portfolio.
What Is the CAPE-Based Dynamic Withdrawal Strategy?

A CAPE-based dynamic withdrawal strategy adjusts spending based on market valuations, helping retirees preserve portfolios and reduce sequence-of-returns risk.
The 50-Year Mortgage: Why It Isn’t the Solution We Need

A 50-year mortgage lowers monthly payments but increases lifelong debt, offering illusionary affordability while worsening long-term financial freedom.
What is the Great Wealth Transfer?

The Great Wealth Transfer will shift trillions from older generations to younger ones, reshaping personal finance, investing, and wealth planning.
What is the pro rata rule?

The pro rata rule affects IRA conversions, ensuring taxes are calculated fairly when accounts have both pre-tax and after-tax funds.
$346K at 31: Q3 2025 financial recap

Q3 2025 recap: strong net worth growth, high investment contributions, Etsy side hustle success, and managing higher living costs.
What is American exceptionalism?

American exceptionalism reflects the resilience and long-term growth of U.S. markets, guiding investors in portfolio strategy and risk management.
The stuff you aspire to own is a trap

The pursuit of material possessions can trap us. Instead, focus on experiences and relationships to enrich your life.
You need to make more money

Increasing your income, whether through raises or side hustles, is essential for faster financial growth and independence.
Facing rising housing costs: Renting vs. buying to avoid lifestyle inflation

Rising housing costs can feel out of control, but with strategy, you can manage the impact while keeping long-term goals intact.
$313K at 31: Q2 2025 financial recap

In Q2 2025, I saw strong financial growth despite a challenging year. Here’s a look at my income, investment contributions, and how I’m managing increasing costs.
What is a bridge account?

A bridge account helps manage short-term financial needs during transitions, such as buying a home or retirement.
Why you shouldn’t settle for just any raise

Don’t settle for a raise that only matches inflation. Learn how to advocate for a raise that builds wealth.
What is a backdoor Roth IRA?

A backdoor Roth IRA allows high earners to contribute to a Roth IRA by first using a traditional IRA.
Your partner matters

Your partner plays a crucial role in your financial success—alignment in goals, values, and communication is key.
What is the 25X rule?

The 25X rule helps determine how much you need to save for retirement by multiplying annual expenses by 25.
Lean FIRE, Chubby FIRE, and Fat FIRE: What’s the difference?

Learn the differences between Lean FIRE, Chubby FIRE, and Fat FIRE, and discover which path fits your retirement goals.
How much money do you need to buy a home?

Ready to buy a home? Here’s what you really need to know about the costs involved and how to prepare.
Who pays tariffs?

Learn who actually pays tariffs, how they affect your budget, and how to adjust your investments accordingly.