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

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

To Travel Long or Travel Short? // The Start of Real Retirement Planning

Something we’re starting to realize is: What we all call retirement planning isn’t really true retirement planning. Money is only a tiny piece of this, and not what most of us will be thinking about daily once we stop working. Real retirement planning is planning for all the rest of life that comes post-career, and for us, a big part of that is travel. So we’re shifting now into *real* retirement planning, and thinking through those big travel questions like how long to stay out, and where to go first. Continue reading To Travel Long or Travel Short? // The Start of Real Retirement Planning

The Great Flip-Flop // How We’ve Reversed Roles on Our Retirement Timing

Lately I’ve been making it sound like we both want to retire as soon as humanly possible, but that’s not true. I’m the one who wants out ASAP, while Mr. ONL is playing the role of the financially prudent one and trying to keep us working for one more year, as we’d always planned. But that’s not where we started — he used to be the one who wanted to quit ASAP, while I wanted to be sure we were prepared times ten. Today: the story of our retirement timing role reversal. Continue reading The Great Flip-Flop // How We’ve Reversed Roles on Our Retirement Timing