Don’t Listen to Us // Blogs Don’t Tell the Full FI Story

An interesting thing happens with a lot of financial independence bloggers. As your audience grows, you suddenly have this incredibly opportunity not only to reach more readers, but to earn more from the blog. Which is wonderful! Except when it means you’re only telling part of the story. Here’s why this matters, and what we should all keep in mind as we read FI blogs. Continue reading Don’t Listen to Us // Blogs Don’t Tell the Full FI Story

The Importance of Pacing Yourself on the Road to Financial Independence

Reaching financial independence is, more than anything, a waiting game. Especially for those who follow a passive investment strategy like indexing, there’s very little thinking to do once you set your plan in motion. But, the journey still takes years, often many years. Here’s why it’s so critical to pace yourself on that journey. Continue reading The Importance of Pacing Yourself on the Road to Financial Independence

Creating a Tangible Separation from Work When We Retire

The fact that we are retiring at the end of this year is getting more and more real for us, and some of that feels scary. But it also feels crazy exciting for obvious reasons, and for less obvious ones like the forthcoming opportunity to re-engineer our lives to reinforce better habits and avoid triggering the bad ones associated with our current work lives. Continue reading Creating a Tangible Separation from Work When We Retire

Replicate What You’re Great At in Early Retirement

Here’s a crazy thought: It feels great to be good at things. And if there are things you’re good at in your current work — even if it’s not obvious now that you get joy from them — you might miss out on future joy if you subtract those tasks from your life when you retire early. Today we’re honing in on the things we’re best at, that bring us the most joy, and figuring out how to magnify that joy in FIRE. Continue reading Replicate What You’re Great At in Early Retirement

Staring Into the Early Retirement Health Care Abyss

The best thing the Affordable Care Act did for early retirees was introduce some level of predictability about health care costs, and all indications are that that predictability is about to go away, no matter where things land with a new health care law. And that’s a big deal for early retirees. Here are some things you should be thinking about, especially if you’re planning to retire soon. Continue reading Staring Into the Early Retirement Health Care Abyss

Pressure Test Your Financial Plan with the Five What Ifs

It’s so fun and exciting to plan for financial independence and early retirement that it’s easy to focus only on what happens when things go well. But it’s important to pressure test our plans to make sure they will still hold up even if (or when!) things don’t go as planned. Here’s our suggestion on one way to do that. Continue reading Pressure Test Your Financial Plan with the Five What Ifs

The Simple Math of Lifestyle Stagnation, the Biggest Secret of Our Success

We attribute our financial success primarily to three things: not overspending on housing, earning above average incomes, and — as we’ll discuss in detail today — not inflating our lifestyle in many, many years. This “lifestyle stagnation” (think of it as level spending over time) can lead to pretty massive savings potential over time, and today we break it all down. Continue reading The Simple Math of Lifestyle Stagnation, the Biggest Secret of Our Success