Can this money ethos help you retire in your 30s?
The FIRE movement believes frugality is key to retiring in your 30s; others think the movement is about privilege more than prudence.
- An online culture of millennials is looking to min-max their finances to achieve financial independence and retire early.
- Called the FIRE movement, members aim to live lean and control their spending, an ethos catalyzed by Vicki Robin's work in the early '90s.
- Some are doubtful of the movement, arguing their strategies aren't exacting enough to be future proof or are a means for wealthy individuals to capitalize further on their privilege.
Jason Long hated his job. A pharmacist in rural Tennessee, Long dealt daily with angry and confused customers battling drug costs, the opioid epidemic, and health insurers cutting costs at the expense of the ill. He had to work 12- to 14-hour shifts just to keep up. He couldn't eat, and his health suffered from the stress.
Enough was enough. Long walked away from a $150,000 salary, choose to live off his investment portfolio, and retired at 38 years old.
As reported by The New York Times, Mr. Long is a forerunner to a movement of millennials aiming to retire well before their golden years. Called the FIRE movement — for "financial independence, retire early" — proponents believe frugality is the key to reaching early retirement in their 40s, 30s, or even their 20s.
The FIRE movement is a loose conglomerate of blogs, forum groups, and Reddit discussions. Gathering online, members share tips and stories on how to manage finances to maximize savings and minimize spending to propel one to early retirement.
If the camp has a catalyzing figurehead, it would be Vicki Robin and her 1992 book, Your Money or Your Life. Robin's message was to show readers how to increase their savings through strict budgeting and mindful spending.
"What we teach is an awareness about the flow of money and stuff in your life in light of your true happiness and your sense of purpose and values," Robin told Big Think. "And that your 'enough point,' having enough, is having everything you want and need to have a life you love and full self-expression with nothing in excess."
Recently, millennials have rediscovered Robin's book and followed its principles in their search for early retirement. Mister Money Mustache, a popular FIRE blogger who retired in his 30s (real name Peter Adeney), even provided the forward for the 2018 revised rerelease of Your Money or Your Life.
However, it should be noted that Robin isn't the founder of the FIRE movement, more its inspiration. Environmentalism is a core feature of Robin's message, and for her lean living is as much a way to find happiness as it is to save the planet. "We have measured the amount of planet we have and humans are consuming more than the amount of planet we have every year (that can be regenerated) ever since 1986," Robin notes.
The FIRE movement, on the other hand, does not maintain a green message at its core. Instead, members seek out their own reasons for financial independence and early retirement (of course, there's no reason ecological stewardship can't be one of those driving forces). The question for them isn't why you want financial independence, but how you go about it.
Holding one's finances to the FIRE
Have you ever spent time listening to fans of a popular online roleplaying game discussing how to min-max their wizards for the upcoming raid? If so, then you'll get a sense of déjà vu reading posts at FIRE blogs or Reddit pages. These sources are replete with users discussing the mathematical details of their FI setups, graphing their 401K contributions vs. gains, and devising grocery lists based on calorie to dollar ratio.
Their patois is also highly reminiscent of online-based groups like gaming culture. As noted in the Times article, members are said to be "firing" when they maximize savings while minimizing excessive spending (i.e., min-maxing). When they have achieved their financial goal, they are said to have "fired." Different levels of FIRE engagement also exist — "lean FIRE" is for extreme frugality, "fat FIRE" for more typical savings, and "barista FIRE" for working part-time after retirement (i.e., hardcore vs. casual gamer). And what would an online culture be without a bevy of initialisms, such as SWR (safe withdrawal rate).
It shouldn't be surprising that FIRE's most publicized figures tended to come from highly technical fields such as engineering and healthcare before becoming "fired." Mister Money Mustache was a software engineer; EarlyRetirementDude had a career in banking; Mr. and Mrs. Frugalwoods were a software engineer and communications manager, respectively; and Jason Long, as we saw, was a pharmacist.
But how does one start "firing"? As noted by Kristin Wong at Lifehacker, it's deceptively simple. All you have to do is "spend less than you earn" and save the remainder, meaning it all comes down to the "math and mechanics."
FIRE advocates look at their income, budget mandatory expenses, and then ruthlessly cut discretionary spending in order to maximize their savings. They've devised many life hacks to accomplish this, such as minimizing housing costs, seeking cheaper services, not purchasing expensive depreciable goods, lowering tax liability, and being mindful of spending money on unnecessary goods (looking your way, bar tab).
Ultimately, the goal is to reach a point where their expenses line up with how much they can sustainably withdraw from their portfolios, ensuring they still have enough money down the road. This is colloquially called the "four percent rule" — so called because 4 percent is the amount a retiree can typically withdraw from investments.
While simple in principle, this is the kind of thing that's made "it's easier said than done" such a cliché. It's difficult to manage such frugality or know the best ways to invest your money. But those who have fired seem to enjoy the challenge as much as the results.
Revolution or dumpster FIRE?
A young backpacker enjoys early retirement, yet many argue that FIRE strategies don't properly plan for the unexpected realities of the sunset years.
(Photo by Abhiram Prakash/Pexels)
A cynical critic may point out that the FIRE movement's more successful champions haven't retired in the traditional sense. Mister Money Mustache hosts advertisements on his blog. Early Retirement Dude and MadFientist both utilize affiliated links to earn fees. Ms. Frugalwoods is the author of a book published by HarperBusiness and the Frugalwoods' blog also publishes affiliated endorsements.
These early retirees haven't so much retired as switch jobs to self-employed promoters of the early retirement ideal. But as Tanja Hester, early retiree and blogger at our next life, told Lifehacker, FIRE isn't really for people who hate their job and want to quit working.
"A good reason to retire early is that you have an alternative vision for your life that you are eager to pursue, but which you can't pursue while employed full time," Hester said. "Achieving financial independence allowed us to leave that career chapter of our lives from a place of gratitude and appreciation, and move onto our next chapter that we're in control of."
Fair enough, and "FIRE" without early retirement doesn't sound so catchy. Then it's just "FI." However, there are two other criticisms of the movement that potentially carry more weight.
The first, as stated by financial advisor Suze Orman, is that early retirement is a myopic pursuit that greatly underestimates the costs and pitfalls of future living. Orman notes that rising healthcare costs will make the golden years more expense for future retirees and that planning for senior health needs in one's 30s is difficult. She also believes that early retirees underestimate loses in compound returns.
"I hate it, I hate it, I hate it, I hate it," Orman told Time. "I personally think it is the biggest mistake, financially speaking, you will ever, ever make in your lifetime."
The general rule is that you need 10 times your current income to retire. Calculating for average returns of 6 percent and inflation at 2.5 percent, the AARP estimates a retiree would need $1.18 million to draw $40,000 per year for 30 years. Depending on where you live, that figure may fall within the lower income bracket. (Check out the Pew Research Center's income calculator to find out where your income falls for your area.)
And even may not be enough. Speaking with AARP, wealth advisor Dan Yu points out that spending rarely decreases after retirement. Vacations are taken more often, cost of living continues to climb, and inflation and interest rates can fluctuate. Adding to this financial uncertainty is the fact that people are living longer. On average, men reaching 65 today will live to be 84 years old, women 86, meaning investments much stretch further than in previous generations.
The second criticism is that the FIRE movement is less about prudence and more about privilege. Opponents argue that FIRE successes aren't the result lean living. Plenty of people live frugally out of necessity already. Rather, it is glorified virtual signaling offered by those who already enjoy the benefits of above-average incomes and access to capital.
"What [FIRE evangelists] have embraced is a model of advice-giving that mostly involves telling self-congratulatory stories about how they achieved financial independence by being frugal," Miles Howard wrote at The Outline. "And that's a shitty idea to perpetuate. Because whatever happens in the years ahead, penny-pinching will likely remain a lifestyle enhancement for bourgeois Millennials who posses enough money to enjoy the dividends of being thrifty. For most of us, there are no dividends: just thrift."
By now you're probably either excited to learn more about FIRE strategies or have written the movement off as another online fad. Either response is acceptable; you do you. But when making financial decisions, be sure to seek out professional financial advice, preferably from a fiduciary. FIRE or no, the last person you should seek financial advice from is some online rando.
Northwell Health CEO Michael Dowling has an important favor to ask of the American people.
- Michael Dowling is president and CEO of Northwell Health, the largest health care system in New York state. In this PSA, speaking as someone whose company has seen more COVID-19 patients than any other in the country, Dowling implores Americans to wear masks—not only for their own health, but for the health of those around them.
- The CDC reports that there have been close to 7.9 million cases of coronavirus reported in the United States since January. Around 216,000 people have died from the virus so far with hundreds more added to the tally every day. Several labs around the world are working on solutions, but there is currently no vaccine for COVID-19.
- The most basic thing that everyone can do to help slow the spread is to practice social distancing, wash your hands, and to wear a mask. The CDC recommends that everyone ages two and up wear a mask that is two or more layers of material and that covers the nose, mouth, and chin. Gaiters and face shields have been shown to be less effective at blocking droplets. Homemade face coverings are acceptable, but wearers should make sure they are constructed out of the proper materials and that they are washed between uses. Wearing a mask is the most important thing you can do to save lives in your community.
Two massive clouds of dust in orbit around the Earth have been discussed for years and finally proven to exist.
- Hungarian astronomers have proven the existence of two "pseudo-satellites" in orbit around the earth.
- These dust clouds were first discovered in the sixties, but are so difficult to spot that scientists have debated their existence since then.
- The findings may be used to decide where to put satellites in the future and will have to be considered when interplanetary space missions are undertaken.
What are they?<img type="lazy-image" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xODgyMDA0NC9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTYzNTM1ODc0Mn0.NH33LuauIo__sUBi4tvhwxDcsvhflDFD-Nhx9FjlSNk/img.jpg?width=1245&coordinates=148%2C0%2C149%2C0&height=700" id="cec96" class="rm-shortcode" data-rm-shortcode-id="acb78abe2ab46a17e419ad30906751d6" data-rm-shortcode-name="rebelmouse-image" />
Artist's impression of the Kordylewski cloud in the night sky (with its brightness greatly enhanced) at the time of the observations.
G. Horváth<p>The<a href="https://en.wikipedia.org/wiki/Kordylewski_cloud" target="_blank"> Kordylewski clouds</a> are two dust clouds first observed by Polish astronomer Kazimierz Kordylewski in 1961. They are situated at two of the <a href="https://www.space.com/30302-lagrange-points.html" target="_blank">Lagrange points</a> in Earth's orbit. These points are locations where the gravity of two objects, such as the Earth and the Moon or a planet and the Sun, equals the centripetal required to orbit the objects while staying in the same relative position. There are five of these spots between the Earth and Moon. The clouds rest at what are called points four and five, forming a triangle with the clouds and the Earth at the three corners.</p><p>The clouds are enormous, taking up the same space in the night sky as twenty lunar discs; covering an area of 45,000 miles. They are roughly 250,000 miles away, about the same distance from us as the Moon. They are entirely comprised of specks of dust which reflect the light of the sun so faintly most astronomers that looked for them were unable to see them at all. </p><p>The clouds themselves are probably ancient, but the model that the scientists created to learn about them suggests that the individual dust particles that comprise them can be blown away by solar wind and replaced by the dust from other cosmic sources like comet tails. This means that the clouds hardly move but are <a href="https://www.nationalgeographic.com/science/2018/11/news-earth-moon-dust-clouds-satellites-planets-space/" target="_blank">eternally changing</a>. </p>
How did they discover this?<img type="lazy-image" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xODgyMDAzNi9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTY1Nzc4MjQ4MX0.7uU9OqmQcWw5Ll1UXAav0PCu4nTg-GdJdAWADHanC7c/img.jpg?width=1245&coordinates=0%2C180%2C0%2C181&height=700" id="952fb" class="rm-shortcode" data-rm-shortcode-id="a778280a20f1c54cd2c14c8313224be2" data-rm-shortcode-name="rebelmouse-image" />
"In this picture the central region of the Kordylewski dust cloud is visible (bright red pixels). The straight tilted lines are traces of satellites."
J. Slíz-Balogh<p>In their study published in the <a href="https://academic.oup.com/mnras" target="_blank">Monthly Notices of the Royal Astronomical Society</a>, Hungarian astronomers Judit Slíz-Balogh, András Barta, and Gábor Horváth described how they were able to find the dust clouds using polarized lenses.</p><p>Since the clouds were expected to polarize the light that bounces off of them, by configuring the telescopes to look for this kind of light the clouds were much easier to spot. What the scientists observed, polarized light in patterns that extended outside the view of the telescope lens, was in line with the predictions of their mathematical model and ruled out other possible sources. </p>
Why are we just learning this now?<img type="lazy-image" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xODgyMDAzOS9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTY2MjUyNDMyMH0.Zl8GmQ_rJHiL4b7hN0r_YBmgb6_ZqIRvqOVuko2ubpw/img.jpg?width=1245&coordinates=0%2C141%2C0%2C185&height=700" id="87afe" class="rm-shortcode" data-rm-shortcode-id="dd4c0b5088e601d7279cc5eb226f8b7b" data-rm-shortcode-name="rebelmouse-image" />
"Mosaic pattern of the angle of polarization around the L5 point (white dot) of the Earth-Moon system. The five rectangular windows correspond to the imaging telescope with which the patterns of the Kordylewski cloud were measured."
J. Slíz-Balogh<p>The objects, being dust clouds, are very faint and hard to see. While Kordylewski observed them in 1961, other astronomers have looked there and given mixed reports over the following decades. This discouraged many astronomers from joining the search, as study co-author Judit Slíz-Balogh <a href="https://ras.ac.uk/news-and-press/research-highlights/earths-dust-cloud-satellites-confirmed" target="_blank">explained</a>, <em>"The Kordylewski clouds are two of the toughest objects to find, and though they are as close to Earth as the Moon are largely overlooked by researchers in astronomy. It is intriguing to confirm that our planet has dusty pseudo-satellites in orbit alongside our lunar neighbor."</em></p>
Will this have any impact on space travel?<span style="display:block;position:relative;padding-top:56.25%;" class="rm-shortcode" data-rm-shortcode-id="c3d797fff5430c64afcb5a49bddc3616"><iframe type="lazy-iframe" data-runner-src="https://www.youtube.com/embed/Ou8N3v9SFPE?rel=0" width="100%" height="auto" frameborder="0" scrolling="no" style="position:absolute;top:0;left:0;width:100%;height:100%;"></iframe></span><p>Lagrange points have been put forward as excellent locations for a space station or satellites like the <a href="https://jwst.nasa.gov/about.html" target="_blank">James Webb Telescope</a> to be put into orbit, as they would require little fuel to stay in place. Knowing about a massive dust cloud that could damage sensitive equipment already being there could save money and lives in the future. While we only know about the clouds at Lagrange points four and five right now, the study's authors suggest there could be more at the other points.</p><p>While the discovery of a couple of dust clouds might not seem all that impressive, it is the result of a half-century of astronomical and mathematical work and reminds us that wonders are still hidden in our cosmic backyard. While you might never need to worry about these clouds again, there is nothing wrong with looking at the sky with wonder at the strange and fantastic things we can discover. </p>
A new survey found that 27 percent of millennials are saving more money due to the pandemic, but most can't stay within their budgets.
Taking control of bad luck<p>According to <a href="https://themanifest.com/accounting/budgeting-money-tips-for-millennials" target="_blank">a recent survey by The Manifest</a>, a business news website, millennials agree with Cramer. The study found that, of millennials surveyed, their largest expenses were housing (66 percent), educational expenses (9 percent), and health insurance (6 percent). In light of the COVID-19 pandemic, millennials are using the remaining 19 percent of their paychecks to budget and increase their savings.</p><p>About a third of millennials said they are saving more money in response to the pandemic and creating new budgets for themselves. In fact, of all generations surveyed, millennials felt the most comfortable creating personal budgets. They were also willing to think critically and adjust budgets to match financial changes, both signs that this highly-educated generation is willing to learn and adapt.</p><p>Millennials still have a rough road ahead, though. According to the survey, about half of millennials make less than $50,000 a year. That puts them into the upper-lower or lower-middle <a href="https://www.pewresearch.org/fact-tank/2020/07/23/are-you-in-the-american-middle-class/#:~:text=In%202018%2C%20the%20national%20middle,(incomes%20in%202018%20dollars)." target="_blank">income class</a>, depending on where in the country they live. That matches <a href="https://www.bls.gov/opub/mlr/2019/article/time-use-of-millennials-and-nonmillennials.htm#:~:text=Among%20full%2Dtime%20wage%20and,with%2031%20percent%20of%20nonmillennials." target="_blank" rel="noopener noreferrer">BLS data</a>, which shows millennials earning less than older non-millennials. <a href="https://www.bls.gov/opub/mlr/2019/beyond-bls/the-kids-are-alright-millennials-and-the-economy.htm" target="_blank" rel="noopener noreferrer">The BLS also notes</a> that while millennials have less debt than GenXers, most of that is student loan debt rather than mortgages.</p><p>And despite their budgetary plans, only 11 percent of millennials surveyed were able to stay within budget, while uncertainty still looms in the future job market.<em></em></p><p>With all this said, there are caveats to The Manifest survey. It hosted a relatively small sample size, only surveying 502 Americans. Of those, millennials made up 22 percent of respondents. They weren't even the largest cohort in the study. That was the baby boomers at 32 percent. </p><p>This makes the survey more suggestive than indicative. But the suggestion is that millennials, to borrow a phrase from writer Vicki Robin, are ready to reinterpret their relationship with finances.</p>
A push for financial freedom<span style="display:block;position:relative;padding-top:56.25%;" class="rm-shortcode" data-rm-shortcode-id="a463513bfbe5a2b7d5bcc59f8be265a7"><iframe type="lazy-iframe" data-runner-src="https://www.youtube.com/embed/J-B-b393epk?rel=0" width="100%" height="auto" frameborder="0" scrolling="no" style="position:absolute;top:0;left:0;width:100%;height:100%;"></iframe></span><p>While budgeting and financial savvy have always been important, the millennial generation will need to be far more critical of their relationship with the economy. What <a href="https://www.youtube.com/watch?v=T_tDthUWsVM" target="_blank" rel="noopener noreferrer">Robin calls the old roadmap</a>—the idea that "growth is good, more is better, game over"—is unlikely to support millennials as it did past generations. They'll need a new roadmap, charting both a new macro (the relationship between our economic and ecological footprints, for example) and micro (our individual relationships with money).</p><p>Because the macro is a whole other article, we'll stick with the micro here:</p><p><strong>1) Track and cut your spending</strong></p><p>The first step to financial freedom is to track your spending and cut unnecessary purchases. For Robin, these are often the things, services, and subscriptions that we buy out of habit, but we no longer consider whether they add value to our lives.</p><p>A pernicious modern example is the subscription economy. We subscribe to services for food, clothes, television, exercise, self-help, video games, bric-a-brac, computer programs, and on and on. These services quickly fade into the financial background as just another bill we pay. </p><p>But if we watch Netflix nine times out of ten, why pay for Hulu and Disney+ and HBO Max and CBS All access? Instead, every month or so, we should scrutinize our subscriptions to ask whether they still add value to our lives. If they don't, unsubscribe.</p><p><strong>2) Kill your debt</strong></p><p>Debt doesn't just take away money we could save elsewhere; it's also a self-replicating devourer of wealth. Your debt interest rates are almost certainly higher than your investment returns, especially on credit cards. Because of this, no matter your saving rituals, you're likely bleeding wealth the longer you remain in debt.</p><p>Instead, focus on removing debt from your life. Again, credit card debt especially. The good news is that most companies have hardship programs to help debtors. You can call them to see if they can lower your interest rates or provide other helpful services.</p><p>"Financial accommodations are generally readily available right now," Amy Thomann, the head of consumer credit education at TransUnion, <a href="https://www.nytimes.com/2020/08/29/at-home/manage-finances-save-money-millennials-coronavirus.html" target="_blank" rel="noopener noreferrer">told the New York Times</a><u>.</u> "Lenders, just like consumers, understand the hardships that are going on in the economy."</p><p><strong>3) Have an emergency fund</strong></p><p>Of course, you'll need some savings when the unexpected happens. Say—I don't know—a worldwide pandemic? Experts like Robin and Thomann recommend people have three to six months' worth of expenses on reserve. These should be in liquid assets so you can access them easily and quickly.</p><p>Of course, that's not always feasible, but you should save what you can. </p><p><strong>4) Find social outlets that don't cost</strong></p><p>The economic shutdown has offered one financial boon: It has revealed ways we can enjoy each other's company with overspending. We can host movies remotely with our friends. Play video games online. Enjoy physical-distance strolls through the park. And a host of other creative connections. After the pandemic, the occasional bar hop or Friday dinner out can still be a guilty pleasure. But unlike sitcom characters, we shouldn't be spending our social lives on the set of our favorite coffee shops or local watering holes.</p><p><strong>5) Reconsider your relationship with money</strong></p><p>Robin pushes her readers to be financially free. That is, to understand that there's an economy, people have a relationship with it, but it shouldn't become an obsession that runs their lives. As <a href="https://www.youtube.com/watch?v=xDaBjc4QyWU" target="_blank" rel="noopener noreferrer">she told <em>Big Think</em></a>: "It's like there are so many presumptions that drive us into wage [slavery], and it doesn't matter whether you are at the low end or the high end. If you are engaged in that sort of anxious process of 'more, more, more,' you are not free."</p><p>The millennial generation has certainly been dealt a bum hand, but it's perhaps defeatist, and more than a little premature, to label them the unluckiest generation. Perhaps after being led astray by the old roadmap, they will be the generation to reconsider their relationship with money—not as an end itself but a means to a healthier and more beneficial life. </p>
Your health and the health of the planet are not indistinguishable.
- Transitioning to a plant-based diet could help reduce obesity, cardiovascular disease, and type 2 diabetes.
- Humans are destroying entire ecosystems to perpetuate destructive food habits.
- Understanding how to properly transition to a plant-based diet is important for success.
Richard Dawkins: No Civilized Person Accepts Slavery So Why Do We Accept Animal Cruelty? | Big Think<span style="display:block;position:relative;padding-top:56.25%;" class="rm-shortcode" data-rm-shortcode-id="c09f23c34faacc8ec55aba054fae9c7c"><iframe type="lazy-iframe" data-runner-src="https://www.youtube.com/embed/_4SnBCPzBl0?rel=0" width="100%" height="auto" frameborder="0" scrolling="no" style="position:absolute;top:0;left:0;width:100%;height:100%;"></iframe></span><h3>Get your hands dirty—in the kitchen</h3><p>Quarantine offered an entire world the opportunity to get into the kitchen and put on a chef's apron. Complaints about "not enough time" are the biggest barriers to preparing home-cooked meals. Of course, pandemic fatigue has resulted in a number of recent chefs ordering out more. That said, this is the perfect time to try your hand at new dishes. With infection rates <a href="https://www.vox.com/coronavirus-covid19/2020/10/11/21511641/covid-19-us-cases-update-testing-deaths-hospitalizations" target="_blank">increasing across the country</a>, stocking up on seasonal vegetables is a great idea. </p><p>Simple seasonal ways to begin your plant-based exploration include <a href="https://nomnompaleo.com/post/11136213353/roasted-kabocha-squash" target="_blank" rel="noopener noreferrer">roasted kabocha squash</a>, <a href="https://www.delicious.com.au/recipes/no-chop-pumpkin-soup/seblnp2r?r=recipes/collections/autumnrecipes&c=f3bf723a-05a7-487d-bd4b-5bc8af042ca9/autumn%20recipes%20you%27ll%20fall%20in%20love%20with" target="_blank" rel="noopener noreferrer">Bombay potatoes</a>, and <a href="https://www.delicious.com.au/recipes/no-chop-pumpkin-soup/seblnp2r?r=recipes/collections/autumnrecipes&c=f3bf723a-05a7-487d-bd4b-5bc8af042ca9/autumn%20recipes%20you%27ll%20fall%20in%20love%20with" target="_blank" rel="noopener noreferrer">no-chop pumpkin soup</a>. If you're feeling a bit more adventurous, <a href="https://www.thecuriouschickpea.com/masoor-dal-tadka/" target="_blank" rel="noopener noreferrer">Masoor Dal Tadka</a> will keep you warm into the winter months. A delicious <a href="https://www.delish.com/cooking/recipe-ideas/a23362341/sweet-potato-salad-recipe/" target="_blank" rel="noopener noreferrer">sweet potato salad</a> will never fail you. This <a href="https://www.buzzfeed.com/hannahloewentheil/easy-meatless-monday-recipes" target="_blank">round-up of 25 vegetarian recipes</a> will keep you busy for a few months (or a month if you're ambitious). </p><h3>Educate yourself on the benefits</h3><p>Education is essential for beginning any endeavor. Weeding through propaganda and bunk science to find credible evidence of any diet is difficult, though many experts agree that for individual and societal health, a plant-based diet is key. </p><p>Even vegetarianism has its pitfalls. For example, <a href="https://michaelpollan.com/books/cooked/" target="_blank">one-fifth of all calories</a> consumed by Americans come from nutritionally-worthless white flour. If you're eating processed bread every day, you're missing out on the benefits of a rich and varied diet. </p><p>Many of the "<a href="https://www.who.int/chp/chronic_disease_report/media/Factsheet4.pdf?ua=1" target="_blank">diseases of affluence</a>," such as cardiovascular and obesity-related ailments, originate with a poor diet (and lack of exercise). Meat has been an essential component of the human diet throughout our evolution. Today, we eat too much of it—and too much of it is produced in factory farms. Transitioning to a plant-based diet could help cut down on carbon emissions and the aforementioned diseases. </p><p>Plants are full of valuable phytochemicals and antioxidants that support a <a href="https://www.mdanderson.org/publications/focused-on-health/5-benefits-of-a-plant-based-diet.h20-1592991.html" target="_blank" rel="noopener noreferrer">strong immune system</a>. A (non-processed) plant-based diet reduces inflammation and offers plenty of fiber. It has been shown to reduce your risk of diabetes, stroke, and heart diseases. Those are all great reasons to transition. </p><h3>Begin your journey with a single step</h3><p>Going cold turkey rarely works for addicts. The same is true of diets. If you're interested in a plant-based diet, try to eat veg every other day for a few weeks. Notice how your body reacts on days you eat this way compared to other days. Gradually phase out meat products. Attempt meat-free weekdays and see if your craving for meat persists on the weekend. Try using meat as a garnish instead of the main course. </p><p>More importantly, have a replacement plan. Dropping all meat products to consume frozen dinners isn't the best course of action. Filling your cart with bags of foods you've never eaten before will overwhelm you. Prepare meals as you taper off of meat; arm yourself with a broad knowledge of healthy plants and vegetables. At some point, you might forget what you've been missing. </p>
Photo: anaumenko / Adobe Stock<h3>Start with foods you already love</h3><p>The good news is that you likely have a number of plant-based side and main dishes that you love. Transitioning into a new diet requires a certain level of enjoyment. Otherwise, you're going to loathe eating, and eating should bring some level of satisfaction. </p><p>Try a one-to-one ratio to begin. On one night, cook a meal you love. Then try something completely new the next night. Follow that up with old faithful. This way, you constantly have new dishes to look forward to yet don't get stuck in thinking you have to be creative every single day. You'll likely find some winners and decide not to repeat other dishes. Regardless, you'll have a broader menu to work from. </p><h3>Avoid ingredients you can't pronounce</h3><p>The produce section of your grocery store provides almost everything you need to survive. You can likely pronounce every ingredient in this section. There's a vast difference between food and foodstuffs. Plenty of plant-based companies offer too much of the latter. Potato chips are technically vegetarian, and some use simple ingredients, yet it's easy to fill your cart with foodstuffs. The health benefits of this are not only negligible but potentially dangerous. </p><p>Qi Sun, an assistant professor of nutrition at the Harvard T.H. Chan School of Public Health, <a href="https://www.webmd.com/diet/obesity/news/20191104/are-there-health-downsides-to-vegetarian-diets" target="_blank">explains</a>. "If you eat a vegan diet, but eat a lot of french fries, refined carbs like white bread, white rice, that's not healthy." He suggests "emphasizing fruits and vegetables. Not fruit juice but whole food. And nuts."</p><h3>Utilize the wisdom of the internet—but don't get indoctrinated</h3><p>There's a lot of terrible advice—and worse, propaganda—on the internet. While you likely don't want to eat eggs every day, they're not "toxic," as one popular documentary claims. Eggs are <a href="https://www.bbcgoodfood.com/howto/guide/ingredient-focus-eggs" target="_blank">one of the best</a> low-cost, high-value foods around. </p><p>Read websites like <a href="https://www.everydayhealth.com/diet-nutrition/scientific-benefits-following-plant-based-diet/" target="_blank">Everyday Health</a>, which uses clear language, like "may improve" and "may decrease," with links to credible studies. This way you follow the going science without becoming fanatical about a particular diet or being disappointed if it turns out the research doesn't hold up. Good science evolves with evidence. And right now, the evidence points to more vegetables in our diets. </p><p>--</p><p><em>Stay in touch with Derek on <a href="http://www.twitter.com/derekberes" target="_blank">Twitter</a> and <a href="https://www.facebook.com/DerekBeresdotcom" target="_blank" rel="noopener noreferrer">Facebook</a>. His new book is</em> "<em><a href="https://www.amazon.com/gp/product/B08KRVMP2M?pf_rd_r=MDJW43337675SZ0X00FH&pf_rd_p=edaba0ee-c2fe-4124-9f5d-b31d6b1bfbee" target="_blank" rel="noopener noreferrer">Hero's Dose: The Case For Psychedelics in Ritual and Therapy</a>."</em></p>