Spending Matters: Calculating How Many Days Earlier You Can Retire

This is going to be very long (first rationale, then step-by-step instructions). I think it's going to be worth it, but we'll see. Ask just about any math teacher and they'll tell you that humans don't have a very good intuitive sense of exponential growth (e.g., see the response to the pandemic). Humans are pretty … Continue reading Spending Matters: Calculating How Many Days Earlier You Can Retire

How Much (?!) Did I Spend At Amazon?

I've written before about aligning your spending with your values and goals. One thing I've noticed lately in a class I'm teaching is how many of my learners are mentioning how "easy" it is to order from Amazon and how they really "aren't even sure what they have bought" because the purchases just show as … Continue reading How Much (?!) Did I Spend At Amazon?

A Penny Saved is 1.62 Pennies Earned

Joseph-Siffrède Duplessis (French, 1725-1802) | The Library of Congress, Washington, D.C. The saying “A penny saved is a penny earned” is attributed to Benjamin Franklin (although the exact quote from Poor Richard’s Almanack is slightly different). With due respect to Mr. Franklin, this saying is not quite accurate. For many teachers in Colorado, for example, … Continue reading A Penny Saved is 1.62 Pennies Earned

Salary Schedule Lanes: How Much Difference Do They Really Make?

Many school districts have a salary schedule for teachers where your pay increases based on a combination of the number of years you have taught in the district ("steps") and the educational level you attain ("lanes"). While steps are automatic (well, except for the occasional bad budget year where steps are frozen), lanes are dependent … Continue reading Salary Schedule Lanes: How Much Difference Do They Really Make?