Mortgage Refinancing Calculator + LenderFI Review

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I bought our house a little over 4 years ago. At the time of purchase, we got a 15Y loan with a 2.875% interest rate. Given how low the rate was, I didn’t think that refinancing a mortgage refinancing was going to be viable. I was mistaken. There are several great Bogleheads threads on the … Read more Mortgage Refinancing Calculator + LenderFI Review

Financial Update – Aug 2020

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Another month, another update. A few random comments. Good Reads/Listens/Watches Beau Miles spends a night in his gum tree (link). I love Beau; always providing a refreshing perspective on our place in the universe. He is a remarkable storyteller and filmmaker. His YouTube channel is probably tied for my favorite channel alongside Mediocre Amateur (link). … Read more Financial Update – Aug 2020

Paying out of pocket for healthcare rather than raiding your HSA

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It is pretty widely known that the HSA is the best savings account in the U.S. because contributions, growth, AND withdrawals are tax-free. Contributions are tax free from the following types of taxation: Federal State (unless you live in CA or NJ) Payroll Usually 6.2% Social Security + 1.45% Medicare Investment growth (dividends + capital … Read more Paying out of pocket for healthcare rather than raiding your HSA

2020 Wind River Trip Report

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Obligatory trip report for my 2020 backpacking trip to the Wind Rivers. My historical trip reports are found here: 2019: https://frugalprofessor.com/2019-wind-river-trip-report/ 2018: https://frugalprofessor.com/2018-wind-river-trip-report/ My two previous trips were around 40 miles over 4 days. This year, I did the following: Trip 1: 42 miles over 4 days with frugal brother from Big Sandy Trailhead Trip … Read more 2020 Wind River Trip Report