Welcome to Thought Experiment #7. At the beginning of each second month, a thought experiment question will be tweeted under the hashtag #ThoughtExperiment and everyone is invited to participate with their own posts, these will then go live together on the 15th of the next month (you can still join in after this date). Below is the question asked for this Thought Experiment. Most people’s lives are filled with so much commotion. We’re constantly moving and thinking like an electron jumping from atom to atom. There are very few moments when we experience true clarity, when we have a chance to really think clearly. These moments may come when reaching a mountain peak in the early hours of the morning or when you’re sitting up late one night and silently staring at the stars. Lots of life-changing decisions can be made in these moments; when you have the time to think about true happiness. ...

Do you want to learn how to retire early? A lot of people who first hear about the FIRE (Financial Independence / Retire Early) movement are put off by thinking that they need to know a boatload of information about investing and personal finance in order to benefit from the concept. These people sometimes ignore the movement, never to hear about it again without realising that they’d just stumbled upon a gold mine. ...

Hey guys, This post is one of my new ‘update’ types, so it’s a bit different. I’ll be posting my thought experiment questions as an actual post from now on so I have them documented. The next Thought Experiment (number 7 by the way, can you believe it?) will be released on the 15th of August. This is slap bang in the middle of my honeymoon to California, but I’ll still be writing my response and scheduling it for release at 7:30 am on that day. ...

This is a Saving Ninja savings report. Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. Please note that I split my expenses equally with my partner and the savings rate, house equity and house value represent my share only. The spreadsheet calculates my savings rate based off £12,000 worth of expenses per year, even though my expenses are actually Less Than 10k Per Year . This is to create a buffer; I’m aiming for at least 12k to reach financial independence. ...

University has been the ticket into the white collar world since the inception of capitalism. Of course - there are other, normally more difficult, ways to gain entry into this world, but needing the ‘checkbox’ of a degree is still becoming ever more prevalent in the industry. Student loans are too expensive, even with tuition fees rising by three times in 2012, you still need that little 3-word line on your CV that says; University degree - achieved. ...