Merry Christmas!

Merry Christmas and Happy New Year, from our family to yours! I truly hope that you are able to relax and spend time with loved ones this holiday season. Whether or not you celebrate the true meaning of Christmas (the birth of Jesus Christ), the holiday season is symbol of hope and love. If you […]

How and Why to Calculate Your Savings Rate

In late October I had the opportunity speak about how early retirement is more achievable than you might think, provided you take appropriate actions and make wise financial choices. Specifically, on slide 28, I provided a simple example of how healthy spending and savings patterns can open up many life choices. You could stop work […]

You Can Retire Sooner Than You Think

The following is an approximate transcript of the talk I gave at the London ON FIRE meetup in London, Ontario on Oct 30, 2018: You Can Retire Sooner Than You Think. 1. Good evening everybody. It’s great to see so many of you out here tonight. My name is Chris Urbaniak, and I’ve been part […]

What Would Future You Think?

********** Hot off the press! I’ll be speaking at the London ON FIRE meetup on Tue Oct 30, 6:30pm at 195 Dufferin Ave, London, ON. Come on out, say hi, and learn more about how you can retire sooner than you think! Event info: https://www.facebook.com/groups/LDNonFIRE/events/ And now back to our regularly scheduled programming… ********** How […]

How to Choose a Cell Phone Plan

My wife and I have been hanging on to our $6/mo* cellphone plans for many, many years. Until this week. We recently received notice that our cell phone provider was forcing us into a $10/mo plan, but one that didn’t align with our usage at all. *Ok, I lied. It’s actually only $5.75/mo, but plus […]

A Non-Cyclist’s Journey Into Cycling

It’s time for another installment in my Bike to Work Series. This week we’ll actually dive into the daily logs I kept when I first started cycling to work last summer. Remember, at the time I had decided to ride every single day regardless of the weather. I’ve softened that a bit, but it’s still […]