Setting Up Your Bicycle as a Car Replacement

Driving absolutely everywhere in a two ton metal box on wheels is fundamentally wasteful and irrational.  The rational way to think about automobiles is that they serve very useful purposes when one needs to accomplish very specialized tasks.  If you

How I Escaped the Car Clown Habit

This article was originally published in January 2017. Many personal finance articles try to get people to believe that very minor changes, such as skipping the morning latte at Starbucks, will lead to financial freedom.  While small steps do indeed

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