The Resilient Investor Map (RIM): A Helpful Tool for a More Resilient FI

Resilience

I live in a coastal city in Florida with a burgeoning arts movement and vibrant downtown. The quality of life that is achievable in this not too high cost of living area is quite impressive. That said it is one of those cities you might think twice about moving to if you read Tanja Hester’s Building Climate Change Into Your Early Retirement Plans blog post at Our Next Life. A variety of models show a good part of this city, including the downtown area, potentially ending up under water in the next 50 to 100 years. My city government is well aware of this possibility and is currently seeking input on an Integrated Sustainability Action Plan (ISAP). One word that comes up frequently in ISAP discussions is resilience – how do we make our city more resilient in the face of climate change, a potential economic crisis, or some other (natural or economic) disaster? It’s a very important question for any city to ask. We as individuals can also benefit from contemplating how to make our own lives more resilient. Continue reading “The Resilient Investor Map (RIM): A Helpful Tool for a More Resilient FI”

Regenerative Investing – An Interview with Ethan Roland Soloviev

In an ideal world all of the answers to my questions pertaining to a more environmentally and socially conscious path to financial independence, particularly as it relates to regenerative (vs. extractive) investing would magically appear while searching Google (or Ecosia.org if we want to plant trees with each search). I gather that many people reading this blog seek answers to these questions as well. I have encountered hints of answers on various websites and plan from time to time to interview some of the thought leaders and key practitioners I’ve learned about in this space. Continue reading “Regenerative Investing – An Interview with Ethan Roland Soloviev”

(Slow) Food Launches a Triple Bottom Line FI Investing Journey

I will always be grateful to the friend, who introduced me to Slow Food. (She also opened my eyes to Jack Kerouac, WXPN.org radio in Phili, and so many other cool things.) My involvement with this international movement prompted me to start gardening in earnest and evenetually led to me volunteering at the amazing, mind-blowing, waist-enlarging bi-annual event that is Terra Madre held in Turin, Italy. Imagine spending a long weekend in a huge conference facility filled with unique heritage foods and the beautiful people producing these foods from around the world: tasting these delicious foods, discussing the challenges facing these food producers, and building cross-cultural friendships. Continue reading “(Slow) Food Launches a Triple Bottom Line FI Investing Journey”

My Triple Bottom Line Path to Financial Independence (FI) So Far…

I was fortunate to grow up with pretty frugal, thrifty, financially responsible influences around me. My parents and grand parents lived well within their means and other than mortgages for homes they lived in and possibly car notes didn’t tend to carry much debt. I realized that I had grown into someone with a strong aversion to debt when I completed 3 years of service as a Peace Corps volunteer plus one post-college year of study at a university overseas and could no longer defer the $13,000 in student loan debt I had accumulated during my days as an undergraduate student. Continue reading “My Triple Bottom Line Path to Financial Independence (FI) So Far…”

Why Not Just Invest in SRI (Socially Responsible Investing) Index Funds and Call It a Day?

According to the Forum for Sustainable and Responsible Investment, SRI (socially responsible investing) is an “investment discipline that considers environmental, social and corporate governance (ESG) criteria to generate long-term competitive financial returns and positive societal impact. Often SRI offerings avoid companies that derive profit from such things as fossil fuels, firearms, and tobacco.” This is a good start, but those filters, used by most SRI options don’t meet the 3P (people, planet, profit) criteria. For example, as of April 30, 2018 the top ten holdings in Vanguard’s FTSE Social Index Fund Investor Shares (VFTSX) were as follows: Continue reading “Why Not Just Invest in SRI (Socially Responsible Investing) Index Funds and Call It a Day?”