Today’s a biggie: the culmination of so many discussions and decisions! Will we pay down the mortgage or pad our taxable accounts? How did our 2016 look in the end? When will we retire in 2017? It’s all here! (Plus, happy holidays! Sending lots of holiday love!) Continue reading Where We’re Landing // 2016 Financial Wrap-Up (with Charts!)
It’s year-end bonus time! And ordinarily we’d be following the plan: allocating part of our bonuses to paying down the mortgage and part to our investments. But this year, with retirement on the horizon, and our savings ahead of schedule for the year, we have some tougher decisions to make. Continue reading Allocating Our Windfalls // It’s Bonus Time!
early retirement is a bfd. and it’s not for everyone. it’s a very different path from the one most people follow for a reason, and it’s not one we should go down without having our eyes wide open. early retirement won’t magically fix everything we wish was different about us or our lives, and it comes with its own set of pitfalls and stresses. to help sort this out, we’ve put together a list: the ten questions you should be able to answer before you retire early. Continue reading The Ten Questions to Answer Before You Retire Early
so many of us have had the experience, before we got smart about our finances, of not knowing where our money went. as i was reading another blogger’s post about that last week, i had the thought: “where did the day go?” where did the money go? where did the time go? these are not such different questions. here’s how we’re changing our mindset around time, to see it as our most precious asset. Continue reading Changing How We “Spend” Our Time // Mindful Spending and Budgeting Aren’t Just About Money
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. Continue reading All the Charts // Our Progress Toward Early Retirement
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. Continue reading Adjusting Our Goals // Rolling With the Market Punches
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. Continue reading Progress and Uncertainty on the Road to Early Retirement // Mid-Year Check-In