I just wanted to mention that MMM sometimes rubs me the wrong way too. A more analytical approach that I found more thorough and more intriguing is at "Extreme

I just wanted to mention that MMM sometimes rubs me the wrong way too. A more analytical approach that I found more thorough and more intriguing is at "Extreme Early Retirement" here: http://earlyretirementextreme.com/ http://earlyretirementextreme.com/ His book is especially interesting. Granted, the author of this book is quirky and ends up doing a lot of work that you could hire someone to do for $10 an hour. But the author stressed that- at least for him- he'd rather spend his team mending clothes or fixing his bike that being in academia (his prior career).