Mortgage Refinancing Calculator + LenderFI Review

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

Paying out of pocket for healthcare rather than raiding your HSA

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

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

32 Degrees Costco 8-pack Face Masks for $25 (online only)

It looks like the nation is gearing up to reopen. I remain skeptical it will end well, but we are planning on returning to work/school nonetheless. So are tens of millions of students in the US (excluding the entire state of CA apparently). My university is weeks away from inviting over 25k students back to … Read more 32 Degrees Costco 8-pack Face Masks for $25 (online only)