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 […]

I am a Hypocrite. Are You?

Everybody loves a hypocrite. Everybody also loves sarcasm. But perhaps more perceptively, everybody is a hypocrite, at least once in a while. Sometimes more often than not. And so, this week I admit that I, too, am a hypocrite. And it bothers me. So let’s journey together to break down why, as well as what […]

Should I Buy or Rent a Water Heater?

A recent CBC article and a reader request have got me thinking about water heaters. Water heaters are just the kind of thing that you never seem to think about unless there’s a problem. And then it can range from an annoying First World Problem (no hot water) to a serious issue (lots of water […]