Tag Archives: education

Why Marriott?

When I first started traveling for work, it was with a new company, and it took a while for us to figure out the best types of hotels for overnight trips. After a few “profit-maximizing” decisions led to some questionable stays, we started to develop a few basic rules:

  • No hotels with a number in the name
  • If the front desk clerk is behind bulletproof glass, move on
  • No chains with a misspelling in their title
  • No hotels where you have to park directly outside your room
  • Avoid places where the TV remote is bolted to the counter

These guidelines weren’t perfect, but they helped us avoid some… memorable experiences.

Beyond that, over time I started gravitating toward a single hotel brand for most of my travel. Brand loyalty makes a lot of sense when you’re on the road frequently. There is less friction when selecting and booking with brands you are familiar with.  Plus concentrating your stays allows you to build status and unlock perks that you simply won’t get if you spread your business around.

I experimented with Hilton for a while. It’s very easy to earn status, and their points accumulate quickly. The downside is that those points just aren’t worth that much, which makes redeeming them less appealing. It’s a large chain, but early on there were also a few key locations where Hilton didn’t have great options near my clients.

I’ve always liked Hyatt. In many ways, it’s the best value for redeeming points, especially in premium locations (although this may be changing with recent devaluations and a move to a tiered redemption system). For years, it was often cheaper to stay at a Hyatt using points than to use points or pay cash with any other brand.  Add in no resort fees on point stays and strong customer service, and it’s a compelling option. The challenge is scale. Hyatt simply doesn’t have as many locations, especially at the lower-cost, business-travel end of the spectrum. And earning meaningful status with Hyatt can be more difficult.

That led me to Marriott.

The biggest factor is footprint. No matter where I go, there’s almost always a Marriott option (or multiple) nearby. That matters when your travel schedule isn’t just built around vacation destinations but around where the work is.

Second is reliability. You generally know what you’re going to get. When you’re bouncing from city to city, that consistency matters more than you might expect.  I know that when I stay at a Courtyard, for example, that they will have reliable free internet, a business center where I can print as much as I need, and a restaurant on property that has a burger I like and can get for free with my welcome gift.  Knowing things like that when I roll into a new city can relieve a lot of anxiety about work preparation.

A nice bonus is the range of price points. Marriott has everything from basic, budget and business options to family friendly choices up to full-service and luxury properties. That flexibility makes it easy to match the hotel to the purpose of the trip.

Last time I checked, my lifetime total at Marriott properties was over 1100 nights.  The bulk of those were work trips where I typically ended up staying in dozens of different Fairfields and Courtyards all over the country. Over time, that has added up to Lifetime Platinum status. That gets me welcome gifts, bonus points, late checkout, and the occasional room upgrade. None of those perks by themselves are life-changing, but together they make travel a little easier, a little cheaper, and a little more comfortable.

These days, even when I’m traveling for personal trips, Marriott is usually my starting point. I still shop around, but once you factor in status benefits, familiarity, and convenience, it’s often the best overall option.  There are things I like about other brands, and I still use them occasionally. But for me, Marriott has the best balance of location, availability, price range, and rewards. 

It’s not perfect, but it’s consistently good. When you travel a lot, that might be the most important thing.

Financial Independence Resources

I was talking with a friend today and realized it’s been a while since I updated my list of resources for teachers who want to learn more about personal finance and financial independence. Interestingly, when I looked at it, the list hasn’t changed much. That’s because the foundational ideas in FI are timeless.  Most of the newer content I’ve been exploring is either relatively niche (like All The Hacks) or so new that, while exciting, I’m not ready to recommend it yet (like Sean Mullaney and Cody Garrett’s new book on Tax Planning for early retirement).

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Luckily, for beginners, many of the best ideas are still right where they’ve always been—in a few classic blogs, podcasts, and books.

The Shockingly Simple Math of Early Retirement

If you read only one article on financial independence, make it The Shockingly Simple Math Behind Early Retirement by Mr. Money Mustache. It’s a short but powerful read that shows how your retirement age depends almost entirely on two variables: how much you spend and how much you save. It’s a true “light bulb” piece for many people who suddenly realize how much control they have over their financial future.

The ChooseFI Podcast and Book

The ChooseFI podcast was my personal gateway into financial independence. Brad Barrett and Jonathan Mendonsa built an incredible archive of episodes on saving, investing, travel hacking, and designing a life you don’t need to retire from. If you’re new to the show, start at Episode 100 for a great introduction.

Not a podcast listener? They also wrote a book, ChooseFI: Your Blueprint to Financial Independence, which distills years of content into a structured, easy-to-follow guide.

The Dave Ramsey Approach

If you want something more traditional, Dave Ramsey’s system has helped millions of people pay off debt and build a financial foundation. His “Baby Steps” and “Debt Snowball” approach are simple, actionable, and great for people who need structure or motivation in the early stages of getting organized. I don’t agree with everything Ramsey teaches (his investment advice is a bit outdated and his politics are suspect), but his behavioral approach to debt payoff is effective for a lot of people.

The Simple Path to Wealth

Once you’re out of debt and ready to invest, JL Collins’ The Simple Path to Wealth is the best next step. It’s widely considered the “go-to” investing book in the FI community. Collins’ message is refreshingly simple: live below your means, invest in low-cost index funds, and stay the course. I used to keep extra copies of this book in my office to give to colleagues and to give to new graduates, because it really is that good.

Some Educator Specific Resources

Teachers have some unique financial advantages (and challenges) like pensions, 403(b)s, and the occasional “free lunch” salesman in the faculty lounge. These next few resources focus on that side of the journey:

TL;DR Financial Literacy Series
Educator Karl Fisch and a series of co-authors created short, accessible books tailored to teachers in different states. Each version explains how pensions and retirement systems work locally, and how educators can make the most of them. Obviously I haven’t read all of them, but my friend Ryan Cruz wrote the Texas edition, and I can highly recommend it.

403bwise.org
Retirement planning for teachers can be a minefield.  The 403bwise.org site was founded to help educators make sense of their retirement options and avoid predatory products. It’s packed with articles, calculators, and an active forum where teachers can ask questions. Their “Teach and Retire Rich” podcast is also excellent.

Financially Independent Teachers Podcast
Recently, I’ve been enjoying the Financially Independent Teachers podcast. It’s hosted by two North Carolina teachers who interview educators and personal finance experts about real-life challenges. They’ve also written a book that’s helpful for teachers trying to balance the realities of the classroom with long-term financial goals.

Final Thoughts

The financial independence movement has evolved a lot since I first discovered it, but the core ideas haven’t changed: spend less than you earn, invest wisely, avoid debt, and keep learning. The beauty of these resources is that they meet you wherever you are, whether you’re just getting started or refining your path toward early retirement.

I’d love to hear from you about what resources have shaped your own journey toward financial independence.  What should I add to my list?