Month: October 2015

All the Charts // Our Progress Toward Early Retirement

today we’re sharing the clearest glimpse yet into where we are on our journey toward early retirement in money terms, along with a detailed breakdown of how we plan to fund both our early retirement and our full retirement. we’re talking percentages instead of absolute numbers, but are going into a lot more detail than we ever have before. that’s right: it’s all the charts.

This Is Not My Beautiful House // This Is Not My Beautiful Wife

last week on an early morning flight, i flew over a line of cars on a major commuting artery, already in bumper-to-bumper traffic before the sun was up. and i wondered: how many of those people, as kids, dreamed that, one day, after slaving away at school for more than a decade, going to college and doing all the right internships, their reward would be this: soul-crushing traffic? that they’d rise before the sun for the privilege? that this would be their destiny?

Living in a Small Town // Good for Finances, But Not for Everything

we’ve mentioned many times that we live in a small town, and very deliberately moved here as a part of our early retirement plans. while we for sure could have still saved for retirement in the expensive city we came from, it would have taken longer, and we wouldn’t have had the lifestyle we wanted. and we’re happy living in our small mountain town, though it’s not all sunshine and roses. here’s our breakdown of the pros and cons.

Why Married Early Retirees Should See Our Marriages As Our Most Important Investments

for early retirees, if our marriages don’t work out, there’s a high likelihood that our early retirements will fail as well. that’s why we should invest as much in our marriages as we do in our index funds or our dividend stock accounts — maybe more. we should see our marriages as our most important investments, and nurture them accordingly.

How We Went from Ballers to Savers, and Lived to Tell the Tale

one of the things that’s different about us, compared to lots of bloggers in the pf community, is that we are not frugal by nature. at some point, we realized that all of that spending, even if it wasn’t on stuff, was still locking us into needing our jobs, and needing them for a long, long time. and since we value time more than anything, and were in a position to make early retirement a reality, we knew we’d regret not changing our ways. but it hasn’t always been easy. here’s how we lived to tell the tale.

Adjusting Our Goals // Rolling With the Market Punches

we’ve been tracking our numbers for years now, and have always set annual goals for ourselves in terms of savings and mortgage paydown. but crazy as it may sound for us to say this, we’ve never defined those goals in terms of strictly what we would contribute. we’ve only defined our goals in terms of total balance. but with only goals about total balances, we now feel like we’re failing in the current market landscape, when the truth is that we’re saving more than ever. here’s how we’re adjusting our goals.