the money is a hell of a lot better at 40 vs 20...

I already bought all the ingredients to make Dorito nachos so this is gonna have to start next week

I do my best to remain self-employed and to live frugally. This reduces the pressure to trade time for money, and it allows for the maximum possible control of my time— not perfect, but better than having someone else tell me when to be where on an everyday basis.

It's not the big payments that make most people broke in my experience, it's the dime and nickle stuff. The people who buy lunch every day. $10 per day x 250 work days per year, $2,500 per year. Now add in going to the bar twice a week for a couple beers before heading home. Another $1,000 per year. Five dollar…

Technically, that's not true. If you USE, but don't really OWN the trappings that society accepts as "middle class" (house, car, clothes, vacations, etc.) then you're not really middle class. You're just renting a middle class lifestyle until your credit runs out.

Don't assume you can, friend. I spent 15 years doing something I really enjoyed and paid well and I did it well enough, but it can't hold a candle to what I'm doing now. The difference? I'm working for myself now (and the business/life partner). Don't let anyone kid you, if the thing you really want to do is something…

Sleepphones FTW. I've had these for a few years now and they're AWESOME. I happen to enjoy Old Time Radio, so I put on a detective story or something and set my ipod for 60 minutes. The stories are just interesting enough to get me engaged, but not so interesting that I'm kept up. In other words, they turn off all…