a two-part retirement

we’re going to live like cheapskates for the first 18 years of our retirement, and then if the markets cooperate, we’ll live a little larger in our later years, once we can tap our 401(k)s. for us, this plan is perfect. live cheaply when you’re young and resilient.

banking for the future

we advocate taking a fanatical approach to banking airline miles. most airlines require five coast-to-coast roundtrips to earn a free domestic ticket. if you take those trips on different airlines, they add up to essentially nothing. it’s only by concentrating your travel on one airline that you get the benefit.