Playing with fire: Words of wisdom from Vicki Robin

During my recent two-week break from blogging, I wasn’t just focusing on my mental health. I did a couple of television interviews. I continued to hammer out details for a potential major project (details soon, I think). And last Monday, I drove to Seattle to attend a screening of Playing with FIRE, the new film about financial independence and early retirement.

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I was impressed with the turnout. I thought that maybe 100 people would show up. But the local Choose FI group stepped up their game. The theater which reportedly contained 278 seats was packed with an enthusiastic audience.

Although I’ve seen the film before, this was my first chance to view it on the big screen. I thought it looked great! (Even the parts with me.)

And again, I was impressed how the movie, which is ostensibly the story of Scott Rieckens’ journey of discovery, really belongs to his wife, Taylor, who has to overcome her skepticism (and fear) in order to adopt a leaner lifestyle.

After the screening, I participated in a Q&A panel alongside Scott, Taylor, and Vicki Robin, who is one of my personal heroes. I was so interested in what Vicki had to say, in fact, that I whipped out my laptop to take notes!

What follows are some of Vicki’s thoughts and my responses now that I’ve had time to think about what she said. Most of this is from the Q&A panel. Some of it comes from a conversation earlier in the evening.

What Is Money For?

One audience member asked if we believed that these concepts would ever become mainstream, if average folks would ever embrace the ideas of financial indepence and early retirement. Will the movement pick up steam? Or has it run its course?

I’m on record having said that I think we’re at (or near) peak FIRE. I won’t say that the FIRE movement is a fad, but it’s certainly faddish. It’s a product of the incredible economic prosperity we’ve enjoyed during the past decade the longest economic expansion in this country’s history! and the rise to prominence of a few vocal proponents of early retirement.

I think there will always be some sort of financial independence movement, but the current size and momentum is unique. And it won’t last.

I didn’t say any of this on Monday night. But Vicki did.

Every generation in America has had some version of this, she said, from the Puritans to the Transcendentalists to today. They realize that money and the story of capitalism isn’t the whole story of life.

She specifically cited Ralph Waldo Emerson, Henry David Thoreau, and Edward Bok, the long-time editor of Ladies’ Home Journal.

As she has many times in the past, Vicki lamented the fact that today’s iteration of financial independence seems to be less altruistic and more selfish. People are more motivated by personal gain. She’s all in favor of lifestyle design, but she wishes more people would pursue lifestyle design with the world in mind.

The whole focus is on money, she said. But money is a tiny, meaningless part of your life. It’s just there for support. Yet it ends up occupying so much space in our minds. It’s problematic.

I don’t want to put words into her mouth, but she seems to believe (as I do) that financial independence should be a side effect of a life well-lived, a byproduct of pursuing meaning. Wealth shouldn’t be your primary aim.

This generation is aspirational at the level of money but not at the level of service, she said. There’s certainly an element of Stoicism from people like Mr. Money Mustache, but because the focus is so much on money and materialism, it makes it tough when people hit their FI number’. They don’t know what to do next.

When she and Joe Dominguez originally taught the Your Money or Your Life course, the people they served were on a spiritual journey. A lot of them wanted to go back to the land. That’s not how it is today.

This is a product of generational differences, of course. When Vicki and Joe were spreading the word in the seventies and eighties, our world was different. Now, forty years later, we’re even more immersed in technology and marketing and consumerism. But maybe that’s why her message continues to resonate with so many people?

The whole point of this economy is to hook you up to a milking machine, Vicki complained. Throughout the evening, she likened our consumer culture to The Matrix. She wants to help people escape the Matrix and so do I.

For further reading on Vicki’s thoughts about the purpose of money, check out my March write-up of the talk she gave in Portland.

The Levels of Financial Independence

Vicki does appreciate how willing the modern FIRE folks are to discuss personal finance. She’s attended Camp Mustache and an FI Chautauqua. (She’ll attend another one in Ecuador this fall.) She’s impressed by the folks who attend these events.

They’re good at social learning, she said. They like to get together and talk about this stuff, to talk about money. As a result, everybody gets better and better with money. Most people don’t talk about money, so they never improve.

At one point, Vicki shared what she calls her levels of financial independence. Each level gives you a degree of freedom, she said.

At the first level, you liberate your mind from the thrall of consumer culture. You develop the capacity to know for yourself how much is enough for you. This is the level of consumer resistance.The second level is getting out of debt, which frees you from financial chains and allows you to make more purposeful decisions.At the third level, you have six months of savings in the bank, which gives you even greater freedom.At the fourth level, you begin to develop useful skills. You learn that you can do things for yourself. You can do things for others. You can use these skills to make money, but you can also use them so that you don’t need money. The less hooked in you are to money, the more independent you are, she said. She wants people to become broadly educated and broadly skilled.At the fifth level, you develop your social networks. You connect with people to create a sharing economy. At this point, I interrupted her. Do you mean social capital? I asked. I like to call it belonging, Vicki said.At the sixth level, you’ve developed enough savings that you can invest your money and it throws off enough income for you to live.

These levels remind me, obviously, of my own stages of financial freedom, which I share from time to time at Get Rich Slowly. These started in 2009 as three (then four) discrete stages. Over time, my list has evolved.

Apparently, I need to update that graphic. It’s still branded for Money Boss!

Toward the end of the Q&A, I got riled up. I went off the rails about people who complain that those who work in retirement aren’t retired. (Bullshit! I said, because it is.) Mostly though, I listened with everyone else as Vicki share what she’s learned during her 30+ years of experience in this movement.

It’s not every day you get to sit next to one of your heroes and take notes. I’m glad I did.

Author: J.D. Roth

In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt. Over time, he learned how to save and how to invest. Today, he’s managed to reach early retirement! He wants to help you master your money and your life. No scams. No gimmicks. Just smart money advice to help you reach your goals.

https://www.getrichslowly.org/vicki-robin-wisdom/

Oppo Reno 5G review: Features | Specifications | Pricing

There’s really only one phone design I can fairly compare the Oppo Reno 5G to, and that’s Oppo’s own 2018 flagship, the Oppo Find X. That’s because while other flagships have notches, teardrops or hole punch cameras at the front, the Oppo Reno 5G doesn’t have anything of the sort. You’re faced with 6.6 inches of pure display screen, ringed by the thinnest of bezels. That means that this is absolutely a phone for fans of larger devices only.

The Reno 5G manages a full screen display in a similar fashion to that of the Oppo Find X by placing the front-facing camera in a pop-up mechanism that slides out smoothly from the top of the phone itself. Where the Find X had a square pop-up, the Reno 5G slides its camera up on a diagonally placed fin mechanism, although that doesn’t mean your selfies are angled in any way. The rear of the fin houses the camera flash if required for a shot.

There’s one design reality with the Oppo Reno 5G’s pop-up camera that was also an issue for the Find X, and that’s water resistance. Most premium flagships offer IP67 or IP68 water resistance, but it’s notably absent on the Reno 5G. It’s understandable, but it does mean you’re going to need to be very careful indeed if you favour taking selfies in the rain.

The commitment to no interruptions to your on-screen experience extends to the fingerprint sensor, which is an under-display model, very similar to that found on the excellent Oppo R17 Pro.

The mechanical camera array at the top means that Oppo has to cram in everything else at the base, including the SIM card tray and a single speaker. Like the Find X, there’s no headphone jack to be seen, so you’ll need to use a USB C adaptor or Bluetooth headphones with the Reno 5G for audio purposes.

On the right-hand side all you’ll find is the power button, and on the left simple volume controls, so there’s no inbuilt assistant button to be found. I’ve got no issue with that at all it’s not as though it’s particularly hard to invoke the Google Assistant plenty of other ways.

The rear of the review model of the Oppo 5G is eye catching, if only because it’s the green model. Sorry, Oppo, that should read “Fog Sea Green” if you want to be precise, although that does make it sound like a colour you might splash onto a feature wall in your house.

We really don’t see that many green phones hit the local market. The Oppo Reno 5G’s green is a brilliant dark emerald colour, and I’ll be honest I’m quite smitten.

The camera array at the rear is vertically mounted, sitting just above a tiny little nub extrusion of metal. Presumably it’s there to minimise lens scratches, although Oppo does provide a case in the box with the Oppo Reno 5G.

It’s certainly a good shorthand way to remind you not to run your finger over the lenses while you’re holding it, although some other reviewers have become very enamoured with it.

https://www.finder.com.au/oppo-reno-5g

Everything you need to know about Kogan’s online car buying service

Image: Kogan Cars

Buying and selling cars online just got a whole lot easier.

Aussie online shopping destination Kogan has come a long way since its humble beginnings. Originally launched as a site to sell cheap electronics, the company has massively expanded its portfolio to include a slew of services including Kogan Retail, Kogan Marketplace, Kogan Travel and Kogan Insurance. Now the brand is adding one more notch to its belt with the launch of Kogan Cars.

Teaming up with Eclipx Group, Kogan launched the new platform this week and it’s already set to be a game changer for those looking to buy or sell cars online. The site will use Eclipx Group’s nation-wide dealer network to bulk buy vehicles, giving them the ability to offer discounts not ordinarily available to the average Aussie customer. As a bonus, the site will even deliver your new set of wheels directly to your home or office, saving you the hassle of picking it up yourself.

Those looking to sell or trade-in their current car aren’t forgotten either. In a media release, Kogan has stated that trade-ins will be offered excellent prices, while those looking to sell will have the process simplified as Kogan Cars’ national team of inspectors will come directly to them.

Furthering its competitive streak, Kogan is also offering a best price guarantee across its services. This means that if you find a better price on a new or used car trade-in, Kogan Cars will either match it or give you $100 of Kogan credit (terms and conditions apply).

Director of Strategy at Kogan, Ross Metherell, has said in a release, “After the family home, cars are one of the most expensive single physical assets that many Aussies purchase during their lifetime. The current method of visiting dealerships can be a time consuming and frustrating experience that can leave Aussies paying too much for new cars.”

“Kogan Cars can help Aussies reduce the cost of purchasing their next new car and trading in, while also making the purchasing process easier and simpler. The most exciting aspect of Kogan Cars is that it can get Aussies a price on a new car that is unlikely to be achievable on their own, thereby saving them time, legwork, and money.”

More shopping news

https://www.finder.com.au/kogan-cars

15 money-saving ideas for your wedding that still look expensive

Note down your priorities and use your money wisely to save on your special day.

Cutting down your wedding budget doesnt mean you have to sacrifice on style. You might think you absolutely need a flower wall, similar to Kim and Kanyes. Or an extravagant wedding dress like Grace Kelly. But in reality, the memories from your wedding will be filled with the faces of your spouse, family and friends.

There are so many benefits to spending less on your special day. You can either spend more cash on a fabulous honeymoon getaway or invest the funds and put them towards your future home with your spouse.

You can cut costs by choosing fake flowers over real, or by sticking to digital wedding invites rather than paper ones. Want to find out more? Keep reading to see a list of affordable options that look premium and fabulous.

1. Go paperless on wedding invites or design your own

Seeing as were in the middle of a digital age, there is no better time to opt for a paperless wedding invitation. You may not have thought so, but invites are expensive. Using a company like Paperlust means you can choose a wedding invite and send out digital copies to your loved ones. This can save you thousands on printing! Or if you are keen for a paper invite, you can design your own using a site like Canva and then print them using Vistaprint. When you use the service for bulk items, you can seriously save some cash.

2. Go cheap when choosing bridal accessories

Dream dress? Check. Its sure to make a statement, so no one will notice if you spend less on your shoes and jewellery. You can do so for yourself and for your bridesmaids. Check out stores like Showpo, ASOS and Lovisa for inexpensive accessories (and even dresses) that can save you hundreds. Its pretty hard to tell the difference between $20 earrings and $200 earrings anyway.

3. Hunt for unique decorations

Get creative and search for unique decor that will add a special touch to your wedding. Stores like Etsy are basically online marketplaces where you can shop a range of unique and handmade items. Why not do a shopping spree before the big day? You can get something customised or create a fun element for your wedding that will attract your guests and potentially save money.

4. Lower your wedding dress budget

If you dream of a wedding dress with gorgeous and unique embellishments, you are going to have to raise your budget. But if you are more than happy to shop for less, there are plenty of retailers that sell affordable wedding dresses and they look beautiful. We recommend checking out places like Showpo, ASOS and Fame & Partners for a beautiful dress that is under $500.

5. Order your wedding dress early

In this case, the early bird gets the worm when it comes to wedding dress planning. Ordering your dream dress about 10 to 12 months before the wedding will help you avoid any rush fees put in place by the boutique, and it will save on any last-minute alterations. This is especially important if you are ordering a custom-made dress from a store like Fame & Partners.

6. Choose a canape package rather than sit-down meal

Not many people actually enjoy set seating for a few courses. If you are looking to make your wedding more fun and social, opting for a canape package is a great idea. Most venues offer both so its just a case of asking about the options on offer. Its cheaper and allows you to experiment with trendy finger foods like sushi or sliders. Just make sure there are enough seats for people to perch on if they do want to sit down.

7. Have the ceremony outdoors

Celebrating your nuptials among nature can be a beautiful and magical experience. Having a garden wedding means you save on reception costs. Whether you decide to hang fairy lights from the treetops or replace chairs with haystacks, an outdoor ceremony can look fairytale-like and it can save you hundreds, if not thousands.

8. Decorate with fake flowers instead of real flowers

Real flowers may smell beautiful, but choosing fake flowers can save you hundreds. They give the same effect, just without the fresh floral scent. We recommend buying fake flowers in bulk from retailers like eBay, Amazon Australia and Adairs. The best part? You get to decorate with flowers that may be out-of-season.

9. Or pick candles over flowers

Nothing screams romance more than a room full of candles. Instead of using flowers, candles bring a beautiful glow to the space. And if you shop for plain candles, you can definitely save cash. Get creative with tall tabletop candles, short ones or tealights from stores like Spotlight and Target Australia.

10. Ditch the photographer for a disposable camera

Hiring a photographer for your wedding day is a pricey procedure. You may want to cut costs by not having one at all, or just hiring one for the ceremony. Once its time to celebrate, encourage guests to take their own photos by leaving disposable cameras around the space. You can pick these up from stores like Etsy and Amazon Australia. Not only will you get memorable shots but everyone will be included in your wedding photos.

Or, you can get the photos printed with a service like Vistaprint. That way, you can spend your money wisely on something else fabulous.

11. Choose a naked cake

A naked cake is right on trend at the moment. Not only do they look rustic but they can be decorated to look insanely beautiful. It just so happens that choosing a naked cake is a cheaper alternative to a traditional tiered cake. You save costs on the fondant and buttercream, meaning you can spend your cash on other things.

12. Make your own playlist rather than hiring a DJ

Hiring a DJ to play the best tunes throughout the night adds up to a couple hundred dollars (at least). Why not save that money and create your own playlist? As long as you choose appropriate music that makes people want to dance, nobody will notice that something is missing from the party. You get to choose your own music and have fun with designing your very own wedding playlist.

13. Keep your decoration aesthetic clean and minimal

Not only does simple and sleek decor look more premium but it actually costs way less. Incorporating plain white table cloths, simple vases and smaller floral bouquets into your wedding decor are just some of the easy ways to cut costs. For example, you can purchase a glass jar like this for under $10 and it still looks premium.

14. If youre not a car person, dont splurge on wedding cars

Wedding cars scream royalty and elegance. Back in the day, your only choices were a black or white limousine. Now, you can arrive to the ceremony in an expensive Rolls Royce or a beachy Kombi van. Either way, it definitely makes a statement but those hefty hiring costs could easily be eliminated. Especially if you dont care about cars, you can better spend the money elsewhere. Most of the time, people dont pay attention to the arrival car unless you make a big deal out of it. So, you can get away with coming in your ordinary car.

15. Sign up for deals

The easiest way to save while shopping? Look for online deals and coupons of course! Youre in luck because here at Finder, we specialise in rounding up the best deals across a range of categories. Check out our deals feed and sign up to our newsletter to receive weekly deals straight to your inbox.

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eBay eBay

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eBay eBay

Myer Click and collect

Myer now offer click and collect. Shop online for all your favourites, and collect the items in store for free. T&Cs apply.

Last verified 5 Jun 2019

eBay eBay

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Sign up to the Good Guys newsletter to be the first to hear about any sale events or discounts. T&Cs apply.

Last verified 5 Jun 2019

Showpo Showpo

10% off student discount

Students can enjoy 10% off their orders at Showpo. Strictly valid for students only. Conditions apply.

Last verified 27 May 2019

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Last verified 27 May 2019

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Last verified 27 May 2019

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Last verified 27 May 2019

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Last verified 27 May 2019

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Last verified 15 May 2019

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Target Australia Target Australia

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Last verified 18 Oct 2018

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Last verified 5 Jun 2018

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Comprehensive credit reporting kicks in today

Your credit report likely now includes more data and your credit score may have changed as a result.

The new financial year is here and so is comprehensive credit reporting. As of today, Australia’s Big Four banks are required to share 100% of customer data with credit reporting agencies. This means that when you apply for a credit product and the bank makes an enquiry with a credit bureau such as Experian or Equifax, they can see a more detailed listing of your credit history than before.

Not only does this change how lenders may assess applicants going forward, but your credit score may also have dropped or increased.

As well as the information that’s already listed (such as credit enquiries, overdue accounts and the names of your credit providers), your report will now show information including the type and amount you applied for, your maximum credit limits, monthly repayments for the last two years and details of any default agreements. You can see a list of the data that will be available on your credit report in our complete guide to comprehensive credit reporting.

To check if your credit score has changed, you can order a copy of your report and credit score online for free through Finder. Banks have 90 days to share the data, so depending on who you’re banking with, you may not notice any changes to your credit report and score for a few weeks. If you order your report through Finder and sign up for free monitoring, you’ll be notified any time something changes on your report and you can log in to check back on your credit score at any time.

If you’ve checked your credit report and your credit score has dropped, there are some steps you can take to demonstrate healthy credit history and improve your score. You can see Finder’s guide to improving your credit score to get started.

Latest credit cards headlines

Picture: Getty

https://www.finder.com.au/comprehensive-credit-reporting-kicks-in-today