Writing

Thoughts on money, trade-offs, work, family, and freedom—plus the complete No More Harvard Debt archive.

New writing appears first. The complete No More Harvard Debt archive, including the original reader comments, is preserved below.

Busy & Lucrative Evening

I asked him if he read lips, and he shrugged his shoulders and made the universal "a little" sign. He then took out his smartphone and opened up a text message screen and typed his name, Patrick, and that we could use his phone for communicating.

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DIY: Pass Time, Save Money, Feel Good

DIY: Pass Time, Save Money, Feel Good

This entire week is a corporate holiday at the place where I work, and since I didn't fly home for the holidays to save money, I've had to keep myself entertained here in Austin. The temptation, of course, is to spend money.

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Dating on a Budget

I haven't been on a single dinner date or drink date since starting NMHD. Instead, I've occasionally bought drinks for girls I meet at bars when I'm out with friends, and I've been on coffee dates, hike dates, and chill-at-home-and-drink-wine/beer-and-watch-a-movie dates.

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Mr. Money Mustache

When I first started reading MMM's blog, I thought he was a complete nutjob, but after some reflection, my initial disdain for him has evolved into great respect.

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Progress Report: Month 4

Progress Report: Month 4

Today marks the end of fiscal December (Nov 25 - Dec 25). It's Christmas morning, and I'm eating a bowl of Frosted Flakes in front of my computer as I count my money and my family celebrates Christmas 1,400 miles away.

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Roommates Are Gone; Music Is Up

Sarah and John have gone home for the holidays, and I can hardly hear myself think--the speakers are  blaring and the monstrous subwoofer is shaking the walls and threatening to level my entire house. Life is good! Go Skrillex! I cannot wait to be roommate-free.

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The Flowchart of Life (the most existential post ever)

The Flowchart of Life (the most existential post ever)

But after almost four months of living frugally, my mindset is beginning to change, and I can feel myself coming to a critical juncture in my life at the end of June. I realize, looking out over the next 20 to 40 years, that I don't have to stay on this treadmill. I can turn it off and jump off. I can dare to be different.

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A Case Study of Lifestyle Inflation

A Case Study of Lifestyle Inflation

With this post, I'm hoping to put things in perspective  for myself by contrasting my spending levels these days with my spending habits before and directly after I graduated from Harvard. It's a story with visual aids like charts and pictures. Buckle up.

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Figured Out the Funk

When I went back to work on Monday, I was going back to the gas station to work for more fuel. But for the past three months, that fuel has not been funding any fun, and that became painfully clear during the Thanksgiving weekend when I paid down $16k of my loans that was partially funded by the sale of one thing that provided me with a lot of fun--the motorcycle.

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Trust Cost Me $193

Trust Cost Me $193

Last night, when I found out my car had been towed, I had one of those very rare moments in my life when I was so frustrated that I just wanted to destroy something...anything.

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Sold the Roadbike

Sold the Roadbike

I sold it today for $900. The transaction was seamless. The guy showed up in his truck, lifted up the bike, said, "Holy $*%#! This is so light!" He then proceeded to sit on it, say, "Hell yeah, I'm taking this!", hand me a wad of cash out of his pocket, and ride away down the driveway. Another satisfied customer.

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Black Friday Special: Hedonistic Adaptation

Black Friday Special: Hedonistic Adaptation

My next immediate thought was, "If I could have spent that $50k on anything besides my student loans, what would I have spent it on?" I started wondering how much sports car $50k could buy, so I headed over to Ebay Motors...$49,750 for this beauty.

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Dodged a Bullet

I took the car for a test drive. It felt like butter! No more notchy pedal! I came back into the shop with a huge smile and asked Rick how much I owed him. He told me $0. I was ecstatic. I shook his hand and thanked him for working with me.

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Un-Freaking-Believable

I explained the symptoms to Rick, the service writer, and his face fell. He told me it was probably an issue with worn springs on the clutch pressure plate. I told him that that sounded expensive, and he confirmed that indeed it was--$1,600 to replace the clutch kit

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Sold the Second Car

Sold the Second Car

The Murano just left my driveway. Good riddance. Washing two cars and a motorcycle was a serious pain in the tuches.

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Finders...Not Keepers

I was doing squats in the nearly empty gym this Friday evening after work at 8:30 PM, and after my first set I looked down and noticed a wallet on the floor lying next to a nearby bench.

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