Authors: Trent Hamm
The Simple Dollar (26 page)
talents/knowledge,
209
time,
210
Gladwell, Malcolm,
131
goals
accumulation of money,
42
audacious, setting,
148–151
defining/redefining,
236
long-term
achieving with short-term goals,
42
benefits,
41
self-reliance,
42–44
setting,
40–42
short-term
benefits,
43
long-term goal success,
42
setting,
45
success framework,
46
writing down,
38
Godfrey, Joline,
190
golden rule,
112
Goleman, Daniel,
68
grocery costs, minimizing,
94–100
convenience food preparation,
98
cooking at home,
95
freezing meals,
98
inexpensive recipes,
100
leftovers,
99
meal chaining,
99
meal planning,
96
price lists,
96
soda addictions, breaking,
100
weekly grocery fliers,
97
growth mindsets,
193–194
happiness
choosing,
221
clutter,
89
factors,
18
finding,
19
five steps,
19
peak-end rule,
90
wealth,
17
The Happiness Project
(Rubin),
18
Hardin, Garrett,
63–65
health,
31
Hegel, Georg Willhelm Friedrich,
129
hierarchy of needs,
141
hobbies,
240
home cooking,
95
homes
air sealing,
101
costs, cutting,
103–104
insulation improvements,
101
honesty,
173–174
housing costs, cutting,
103–104
How to Cook Everything
(Bittman),
95
I Will Teach You to Be Rich
(Ramit),
215
improving yourself,
240
impulse purchases,
77
In Defense of Food
(Pollan),
95
income
changes over past 40 years,
50–51
crossover points,
159–162
aggressive investments,
160
partial,
159
retirement,
187
saving,
160
snowflaking,
161
gap
increasing,
78–79
minding,
74–76
wants versus needs,
76–78
increasing,
81
real wages,
51
spending less than earnings,
74–76
supplementing during retirement,
181
true hourly wages,
52–53
increasing
gap,
78–79
income,
81
savings,
81
The Incredibles
,
32
inexpensive recipes,
100
inflation (lifestyle), avoiding,
156
,
159
influence
communities,
62
social intelligence,
69
information management,
132
insulation (homes),
101
insurance
dream life foundation,
144
long term care,
163
umbrellas,
163
interest rates, reducing,
5–6
interpersonal communications,
133
investments
aggressive,
160
crossover points,
159–162
aggressive investments,
160
partial,
159
retirement,
187
saving,
160
snowflaking,
161
Roth IRAs,
186
invisible hand,
60
Isaac, Jerry,
220
Jabs, Matthew,
38
jobs.
See
careers
joining clubs,
106
Joy of Cooking
(Rombauer),
95
Kahneman, Daniel,
90
karma,
241
knowledge, giving,
209
Koontz, Daniel,
27
Krikorian, Catherine,
115
Lastovica, John,
84
leadership,
132
leftovers,
99
lending money to family/friends,
6
,
175–177
libraries,
106
life
barriers
clutter,
218–220
focus,
220
overcoming,
222
unhappiness,
221
changes
actions versus words,
214
committing,
232–234
experiences trump things,
226
living like no one else,
231
success from differentiation,
228
trying something different,
227
worrying about what others think,
229–231
designing new
audacious goals, setting,
148–151
five steps,
151–153
foundation, creating,
142–144
rule breaking,
145–147
future self reliability,
55
hobbies,
240
negative experiences,
16
power of today,
55
running in place,
49
unexpected events
emergency funds,
26–28
examples,
23
luck, maximizing,
32
minimizing,
237
personal risk sources,
29–31
positive,
26
random,
25
reliability,
33–34
unwinding with mindless tasks,
58
lifestyle inflation, avoiding,
156
,
159
Lifestyle of the Tight and Frugal: Theory and Measurement
(Lastovica),
84
living trusts,
162
living wills,
163
local communities,
62
long term care insurance,
163
long-term financial security,
4
long-term goals
achieving with short-term goals,
42
benefits,
41
self-reliance,
42–44
setting,
40–42
success framework,
46
loyalties
coworkers/peers,
124–125
organizations,
124
luck, maximizing,
32
maintaining financial stability,
164–165
making life changes
actions versus words,
214
committing,
232–234
experiences trump things,
226
living like no one else,
231
success from differentiation,
228
trying something different,
227
worrying about what others think,
229–231
Maslow, Abraham,
141
Matthews, Dr. Gail,
38
maximizing
luck,
32
positive relationships,
119–121
McMillan, David W.,
61
meals.
See also
frugality, food
chaining together,
99
freezing,
98
planning,
96
media swaps,
106
membership (communities),
61
mentorship,
134–135
Miller, Graham,
89
minding the gap,
74–76
gap, defined,
75–76
increasing the gap,
78–79
solutions,
80
Mindset
(Dweck),
193
mindsets
fixed,
193
growth,
194
types,
193
minimizing costs
careers,
58
entertainment,
105–107
essentials,
87–89
food,
94–100
convenience food preparation,
98
cooking at home,
95
freezing meals,
98
inexpensive recipes,
100
leftovers,
99
meal chaining,
99
meal planning,
96
price lists,
96
soda addictions, breaking,
100
weekly grocery fliers,
97
housing,
103–104
nonessential,
56
phones,
102
transportation,
104–105
unexpected events,
237
utility bills,
101–102
modern living,
xiv
Mole, Edna (
The Incredibles
),
32
money skills for children,
190–192
monolithic careers,
31
mortgages,
30
narrative fallacy,
25
needs hierarchy,
141
negative life experiences,
16
negative relationships
overview,
113–114
transitioning to positive,
118–119
negative unexpected life events,
27–29
The New Global Student
(Frost),
199
nonessential spending, cutting,
56
Objective Happiness
(Kahneman),
90
occupational outlook over next ten years,
200
online game documenter communities,
61
opportunities
occupational outlook over next ten years,
200
retirement,
182
taking advantage,
55
Oram, Andy,
61
organizational loyalties,
124
Outliers
(Gladwell),
131
outward connections (communities),
67
overcoming barriers,
222