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

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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.

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

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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

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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.

On Still Not Sharing (Most of) Our Numbers // Talking Finance With No Finances

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one of our earliest posts on this blog was about how we don’t share our numbers. it’s mostly because, one day not too far off in the distance, we will drop this whole anonymous charade, and we don’t want all the details of our finances attached to our names and faces. in our culture, money comes with meaning and prejudgments. having x amount means you’re supposed to behave a certain way, dress a certain way, spend a certain way. we don’t want those expectations to precede us.

The “Our Next Life” Series // Time to Join In!

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our bloggy buddy steve, who writes think save retire, started the about series a few weeks back that all bloggers are invited to continue, and more recently wrote a series on his own blog that he dubbed the “our next life” series. we love the name, obviously, and thought — why not also make it a series that we all contribute to? so this is our take. and we’d love for you to write your own and link back! who’s in?

Progress and Uncertainty on the Road to Early Retirement // Mid-Year Check-In

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looking at things big picture, we’re astonished at how far we’ve come in a short time, aided in large part by jobs that overpay us. since we bought the house four years ago, our net worth has tripled, and the year-over-year gains are pretty big, owing to us getting serious about saving and about paying off the house quickly, as well as growth in the markets since 2009.