Amazon Audible: Free Trial w/ 2 Free AudioBooks (May Work For Previous Trial Members)

audible2promo0Amazon Audible has an improved promotion where you can get a free 1-month trial to Audible that includes 2 audiobook credits (usually only 1 audiobook credit). Even if you are not a new member, try clicking anyway as it worked for me and I had a previous trial Audible membership. Here’s what you should see after clicking on “Start your free trial” and logging into your account:

audible2promo1b

Your Audible audiobooks will remain in your account forever even if you stop the monthly membership fee. So you’re basically getting $30+ worth of audiobooks for free. If you do nothing, after 30 days you’ll be charged the normal $14.95/month membership fee that includes 1 audiobook credit per month. As with other Amazon trials, you can set it not to renew and still use up the rest of the trial. If you are paranoid, I would recommend picking out two books quickly and canceling right afterward.

Additional Audible membership features include being able to swap out audiobooks if you don’t like it after listening for a bit, and 30% off the list price of additional audiobooks. You can even have Alexa read your audiobook to you.

audible2promo2

During my first trial, I listened to Shoe Dog (Nike origin story) and When Breathe Becomes Air. Here’s my Shoe Dog review; I enjoyed it in audiobook format. When Breathe Becomes Air was poignant, but I think I’d rather have read it as a physical book.

Audible’s algorithm keeps recommending that I read The Subtle Art of Not Giving a F*ck: A Counterintuitive Approach to Living a Good Life, so maybe I’ll try that one next. I’ll probably enjoy listening to this one better, though: I Can’t Make This Up: Life Lessons from Kevin Hart.

The Intangible Benefits of Saving Money: Flexibility and Robustness

tardisNeed a break from the charts? Morgan Housel has an insightful article Let Me Convince You To Save Money that includes no historical data, no survey results, no fancy infographics. Read the whole thing, but here’s my favorite excerpt:

But the best reason to save is to gain control over your time. Everyone knows the tangible stuff money buys. The intangible stuff is harder to wrap your head around, but can be far more valuable and able to increase your happiness. Savings gives you options and flexibility, the ability to wait and the opportunity to pounce. It gives you time to think. Every bit of savings is like taking a point in the future that would have been owned by someone else and giving it back to yourself.

In my experience, every incremental bit of savings changes your life in intangible ways. Going from paycheck-to-paycheck to having $1,500 in the bank lets many things become minor speed-bumps instead of derailing your life. It’ll also make you happier according to (sorry!) the research: Does Cash Make You Happier Than Income or Paying Down Debt?

Continuing onward, going from having a basic emergency fund to $10,000 gives you the ability to take career risks without fear of starvation. You feel like you can put your full effort into a new business, or take a different job with less stress. I personally made a life-changing career switch at about $50,000 net worth.

Finally, going from $10,000 to $100,000 is amazing because that’s when you realize that reaching financial independence is a matter of WHEN, not IF. It’s a sign that you’ve put in the dirty work and figured out the hard bits. To put it crudely, “The first $100,000 is a b****.”

In biology, the term robustness refers to the “persistence of a system under perturbations or conditions of uncertainty”. In computer science, robustness is the ability to “cope with errors during execution and cope with erroneous input”.

In today’s world of questionable safety nets, having adequate savings improves the robustness of your family’s lifestyle. First, you can endure an expected car repair. Then you can endure a temporary blip without a job. Finally, you can go without a job whenever you wish (aka retirement). Your savings rate fuels all of that.

Citi ThankYou Premier Card Review – 50,000 Bonus Points

Citi ThankYou Premier Card Art

The Citi ThankYou® Premier Card has re-launched from our partner Citi, with an improved sign-up bonus and purchase rewards structure. You can now earn 50,000 bonus points after spending $4,000 in purchases within the first 3 months of account … [Read the rest]

Dorco Coupon: 1-Year Supply (28 Razors) for $24 + Free Shipping

dorcodude0

My strategy for saving money on shaving is simple. I buy a bunch of razors once every 2 years, and use one razor per month. I try not to pay more than $1 per razor, so my total shaving bill is under $12 a year. To make sure they stay … [Read the rest]

Who Maxes Out Their 401k, And Where Do They Make Sacrifices?

piggybank_plain

The Principal Financial Group surveyed "younger" retirement plan participants ages 23-51 who contributed at least 90% of the annual 401(k) maximum limit. That means they put away at least $16,200 each (limit was $18,000 for 2016/2017). These … [Read the rest]

JetBlue Free Mosaic Status Match + Challenge

mosaic

JetBlue Airlines has a free status match program where they will upgrade you to JetBlue Mosaic status if you have elite status with another airline loyalty program. Here are the qualifying levels at other airlines: Virgin America: Elevate … [Read the rest]

Chart: Hours of Work Required To Buy S&P 500

hours500

As the US stock market keeps going up, it feels like everyone is whispering the same thing: We are near a top. It's easiest to do this with numbers. Here's a valuation metric that divides the price of the S&P 500 stock index by the median US … [Read the rest]

Choice Hotels Free Elite Status Match

choicehotelslogo

Choice Hotels is also offering a public free status match to Gold or Platinum Elite status from another hotel program. Potential perks include point bonuses on qualifying stays, longer booking windows for reward nights, and a free welcome gift. … [Read the rest]

Pretirement App: Interactive Countdown Clock to Financial Freedom

pretireapp

What would you do if you knew that skipping that morning $4 coffee/muffin combo every day would get you 8 months closer to financial freedom? What if I told you that buying that $40k car instead of the $25k one would only extend your working years … [Read the rest]

Amazon Prime: Buy Sample Box, Get Equal Credit Towards Similar Products

azsample2

Updated with new sample box offers. Amazon Prime members can buy sample boxes that come with a credit towards a future purchase in that specific product category. For example, you can buy a beverage sample box for $9.99 and then you'll get an equal … [Read the rest]

How Badly Underfunded is Your State’s Pension Fund? (Infographic)

pensionmap

The state of Illinois narrowly avoided having their S&P credit rating dropped to "Junk" status, but their current rating is already the lowest ever for any state. Their pension promises now total over $200 billion, but they are a bit short... $120 … [Read the rest]

Amazon Prime Day 2017: List of Deals Still Available

primeday2017_300

Updated. Amazon Prime Day is now over, but some offers are still available. I've removed the ones that I notice are expired. Hopefully you picked up some credits and savings to offset that membership fee. Many deals still require Prime. New … [Read the rest]