Announcing the Launch of Zero Day Challenge!

Announcing the Launch of Zero Day Challenge!

Running Zero Day Finance for the past 7 months has been an incredible privilege. I’ve met thousands of awesome people, learned a ton about personal finance, and have also taught people some really cool things too. I built Zero Day Finance around the concept of the Zero Day Challenge. It is a proven strategy you can use to significantly reduce your spending and increase your savings. If you don’t believe me, see how I’m on track to save $18,000 this year. After being featured in Rockstar Finance, CNBC, and YNAB, I realized that I can help people with more centralized information, so I am officially launching Zero Day Challenge.

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Posted by David in Zero Day Challenge, 8 comments
Passive Income is King: 4 Real World Examples

Passive Income is King: 4 Real World Examples

Earlier this week, I wrote about how passive income is king. As a brief recap, net worth doesn’t tell the whole story. You can have a very high net worth but barely generate any passive income. Even though you have a bunch of money, if it isn’t working for you, what’s the point? You can also have a low or even negative net worth. But if you have a comparably large passive income, you might be able to retire. As a response to that post, I asked several prominent personal finance bloggers what their passive income goals are, and how they are going about achieving them.

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Posted by David in Investing, Saving, 23 comments
Passive Income is King

Passive Income is King

When it comes to early retirement, everyone tends to focus on net worth. Seriously, net worth is king. I track mine every month, and there are plenty of others who do it as well. Many of the personal finance blogs on Rockstar Finance also track their net worth. But is this the right metric to track? Should we spend all of this time meticulously counting every quarter to determine “the number?” Probably not. We should focus on passive income.

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Posted by David in Retirement, 37 comments
The Peanut Butter Sandwich That Changed My Life

The Peanut Butter Sandwich That Changed My Life

We make decisions every day. What clothes should I wear to work? What will I eat for lunch? Do I go through this yellow light and risk a red light ticket? Most of these decisions have a rather small impact on our lives. A green vs. blue shirt; a salad vs. a hamburger; a $40 ticket vs. getting to work late. If we look at our lives as a sequence of decisions, we can identify a few of them that alter our lives forever. I made one of these in High School, and didn’t even know it.

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Posted by David in Lifestyle, 37 comments
How I Got 42% CashBack With DiscoverIt

How I Got 42% CashBack With DiscoverIt

When it comes to cashback reward credit cards, the gold standard is 2% cashback on all purchases. You might be able to get 2.3% cashback on travel cards when you sign up for new cards, but that is pretty close to 2%. But what if you could get 2% cashback on everything, 10% cashback on rotating categories, and even up to 42% cashback on certain purchases? Well, I did, and I’ll show you how.

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Posted by David in Credit, 6 comments

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