Socially Conscious Financial Independence through Self-Directed IRAs & Solo 401ks – Part I

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The best mechanisms people wanting to invest with their values on the path to financial independence (FI) in the U.S. have available may well be self-directed IRAs (SDIRA) and Solo 401ks. Not only do these little known self-directed retirement accounts allow one to make a wide range of alternative investments, they offer a way for investors to truly diversify their retirement investments and increase their financial resilience. These accounts generally require much more active participation on the part of the account holder than their mainstream cousins. And there is a good bit to learn to successfully navigate these waters amidst the IRS rules pertaining to them. However, that shouldn’t deter those of us who want to be making more socially responsible investments from considering them because they unlock opportunities to truly make meaningful and impactful investments. Continue reading “Socially Conscious Financial Independence through Self-Directed IRAs & Solo 401ks – Part I”

Pursuing a Triple Bottom Line at FinCon 2019

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It’s an exciting time to be blogging at the nexus of personal finance and sustainability. As my blog continues to gain traction and I find my feet in this online realm, I’m receiving more and more positive feedback for the value and need for this work. I would very much like to improve, expand, and monetize (in ways that don’t compromise me or my readers) this website of mine. After hearing others in the financial independence/retire early (FIRE) space rave for the past two years about an event called FinCon, I decided to jumpstart my efforts by attending this self-proclaimed gathering of money nerds, which was held in Washington, DC earlier this month. Continue reading “Pursuing a Triple Bottom Line at FinCon 2019”

Permaculture FI: Optimizing for Multi-Capital Abundance – Part 3

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I love that tag line — optimizing for multi-capital abundance. I didn’t catch the relevance of it the first several times I encountered it. Finally, about a month after posting my interview with Ethan Roland on regenerative investing, in which I referenced his book Regenerative Enterprise: Optimizing for Multi-Capital Abundance, I re-read the post and was struck by the potential in this concept, not only for enterprises, but for individuals — especially for those pursuing financial independence (FI). Continue reading “Permaculture FI: Optimizing for Multi-Capital Abundance – Part 3”

Financial Permaculture: Making Financial Independence (FI) More Meaningful & Resilient

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By the time I was exposed to permaculture (a design science that looks to nature’s closed-loop, no waste system as the model) I had already amassed a bit of savings in my employer based retirement accounts. It wasn’t enough savings to consider myself rich, yet it was enough that I wanted to think about how to wisely steward it in more sustainable, regenerative and less extractive ways. I am not of the mindset to donate all of this money to charity (in part because, as I wrote about here, I don’t think charity is very effective in many cases). Nor am I inclined to invest it in a property to regenerate myself as I have just moved in with my boyfriend and want to support his efforts. Taking on an additional property would be beyond my current bandwidth.

This has left me looking to financial permaculture for guidance…. Continue reading “Financial Permaculture: Making Financial Independence (FI) More Meaningful & Resilient”