<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Frugal Artist]]></title><description><![CDATA[Frugal Artist]]></description><link>https://www.frugalartist.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 31 Jul 2026 13:10:21 GMT</lastBuildDate><atom:link href="https://www.frugalartist.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Net worth isn't freedom]]></title><description><![CDATA[A million-dollar home is a very large number that cannot buy your groceries. I think about this more than is probably normal, because it's the cleanest example I know of a confusion that quietly traps a lot of people: the belief that net worth and freedom are the same thing. They're not. They're not even close. And mistaking one for the other is how someone can look wealth on every statement and still feel — correctly — completely stuck. Picture two people. Both have a net worth of around a...]]></description><link>https://www.frugalartist.com/post/net-worth-isn-t-freedom</link><guid isPermaLink="false">6a31c0b821920c994c77cfc1</guid><pubDate>Tue, 16 Jun 2026 21:46:26 GMT</pubDate><dc:creator>Frugal Artist</dc:creator></item><item><title><![CDATA[Decide quietly]]></title><description><![CDATA[For most of my life, I put my big decisions up for a vote. I wouldn't have described it that way at the time. It felt like being thoughtful — talking things through, getting input, being open. But if I'm honest about what was actually happening, I was taking a decisions I'd half-made to the people around me — my family, people at work — presenting them as questions, and quietly hoping for a blessing. And then feeling genuinely deflated when the answer came back as "are you sure about that?"...]]></description><link>https://www.frugalartist.com/post/decide-quietly</link><guid isPermaLink="false">6a31bccfd98cc147601ed52b</guid><pubDate>Tue, 16 Jun 2026 21:28:48 GMT</pubDate><dc:creator>Frugal Artist</dc:creator></item><item><title><![CDATA[You probably crossed the line years ago]]></title><description><![CDATA[Everyone in personal finance seems to talk about "The Number" — the magic number ie. 25 x your spending, million dollars, or whatever it is, that you're supposed to aim to reach FI. But i don't think it works like that. The longer I've sat with my own numbers, I'm starting to think that there is more to that single-number story and I truly believe it is what keeping people working longer than they need to. Because there isn't one line. There are several. And they don't arrive in the order...]]></description><link>https://www.frugalartist.com/post/you-probably-crossed-the-line-years-ago</link><guid isPermaLink="false">6a31aa126e3aac0bcf9bdffa</guid><pubDate>Tue, 16 Jun 2026 21:06:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/3c85ac_b9da368aa5314044aa3f814719e52b30~mv2.png/v1/fit/w_1000,h_948,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Frugal Artist</dc:creator></item><item><title><![CDATA[The snapshot - June 2026]]></title><description><![CDATA[Monthly money journal. Solo figures, rounded on purpose. The honesty is in the proportions and the feelings, not the decimal places. Where it sits ~$1.48m, spread like this: Property equity — 48% (~$706k). The biggest slice, and the one I can't actually spend. Real wealth, mostly asleep. Super — 22% (~$315k). Locked away for decades. Quietly compounding where I can't touch it, which is probably for the best. Cash &#38; offset — 18% (~$267k). The buffer. More that most people would hold, and I've...]]></description><link>https://www.frugalartist.com/post/the-snapshot-june-2026</link><guid isPermaLink="false">6a2f227dd1a315f32780f606</guid><pubDate>Mon, 15 Jun 2026 19:42:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/3c85ac_b60d88cc56934cf4b6a9a1488d0efb50~mv2.png/v1/fit/w_834,h_514,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Frugal Artist</dc:creator></item></channel></rss>