Jim @ Route To Retire

Privacy and Security: The Essential Guide to Reclaiming Your Digital Life

Privacy and Security: The Essential Guide to Reclaiming Your Digital Life

Leave a Comment / Consumer Protection, Here's Why I'm Liking..., Motivation / /

I spent the last 13+ years of my career in IT as a manager, but I’m still a techie at heart. Even now, almost 7 years into early retirement, I still enjoy keeping up with technology and tinkering with various parts of it. Over the past few years though, I continue to get increasingly concerned about how we don’t protect our data and identities in the digital world we live in. Privacy and security tend to get put on the […]

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Southwest Companion Pass: Why Now's the Best Time to Act

Southwest Companion Pass: Why Now’s the Best Time to Act

2 Comments / Travel and Vacation, Spending / /

The Southwest Companion Pass… the holy grail of travel. If you’re not familiar, the Companion Pass allows the earner to bring someone with them for free on every single flight booked by the holder (provided there’s an available seat). Think of the money you could save by cutting flight prices for two people in half while traveling! This is normally a “prize” for someone who flies a lot… like a real lot. The qualification is to fly 100 flights (or earn

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Free Cruises with Just a Little Leg Work… Living Like Rock Stars!

Free Cruises with Just a Little Leg Work… Living Like Rock Stars!

12 Comments / Travel and Vacation, Life in Early Retirement, Saving, Spending / /

Back in May, I wrote a post called The Next Mission… Free Cruises Through Casino Status Matches! It was all about how we stumbled upon a way to get free cruises and what we planned to do to make it happen. Well, here we are several months later and I realized it’s time to update you on how it’s going and what’s next. It’s actually been a cool little adventure figuring out what we need to do and then taking

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The Funny Thing About Sequence of Returns Risk…

The Funny Thing About Sequence of Returns Risk…

15 Comments / Investments, Financial Independence / Retire Early (FIRE), Spending, Taxes and Financial Planning / /

If someone decides to retire and live off of their investment portfolio, an important detail called the sequence of returns risk can be one of the most critical components to comprehend. You might have an understanding or at least a notion of the 4% rule that helps give you some direction in retirement planning. The idea is that you likely can take out 4% from a given portfolio every year and never run out of money. There are several caveats

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Phase 1: Powerful Strategies to Earn College Credits While Homeschooling

Phase 1: Powerful Strategies to Earn College Credits While Homeschooling

24 Comments / Education, Kids / /

You don’t know what you don’t know. That’s the case with a lot of things in life. That’s why knowledge is power. Knowing that something is even possible to do gives you the upper hand to make better decisions. Ten years ago, when I learned that early retirement was something that was legitimately possible to do, we made changes to make it a reality. Before then, I just assumed that you needed to be some kind of billionaire for that

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Beating Seasonal Depression: 4 Simple Yet Powerful Strategies I'm Using This Winter

Beating Seasonal Depression: 4 Simple Yet Powerful Strategies I’m Using This Winter

26 Comments / Health and Fitness, General Thoughts, Life in Early Retirement, Travel and Vacation / /

Ugh, summer’s officially over. I do love the fall here in Ohio – the changing of the colors makes everything beautiful outside. However, that means it’s time for the weather to begin shifting, which always gives me that looming feeling that winter is right around the corner. And that leads to the winter blues…. seasonal depression… or the more technical term, seasonal affective disorder (SAD). Whatever you want to call it, I’ve learned that I have an extremely hard time

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Time Is Precious: Rekindling Relationships Is Now a #1 Priority

Time Is Precious: Rekindling Relationships Is Now a #1 Priority

11 Comments / Motivation, Financial Independence / Retire Early (FIRE), General Thoughts, Health and Fitness, Life in Early Retirement / /

Around 14 years ago, one of my closest friends told me he had been diagnosed with colon cancer. I was shocked by the news but he didn’t seem any different and I knew he’d be just fine. After all, he was in his mid-thirties like I was and it was just a hurdle to overcome and life would be fine again. But then it wasn’t. As the months progressed, he got worse and worse and the chemotherapy and radiation didn’t

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Why a Part-Time Job Might Be the Next Chapter in My Early Retirement

Why a Part-Time Job Might Be the Next Chapter in My Early Retirement

42 Comments / Life in Early Retirement, Blogging, Education, Financial Independence / Retire Early (FIRE), Investments, Motivation, Self-Employment, Taxes and Financial Planning / /

Life is interesting. And that’s a good thing. How boring would it be if every day on this planet was the same? For about a decade now, we’ve made some choices that have swung our days into some crazy adventures. There’s no doubt this took us out of the realm of monotony. Between retiring at the age of 43 at the end of 2018 and then moving to Panama for a few years starting in 2019, we got a lot

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Roth IRA Withdrawals for Early Retirees: Tracking What's Accessible Now

Roth IRA Withdrawals for Early Retirees: Tracking What’s Accessible Now

8 Comments / Taxes and Financial Planning, Education, Financial Independence / Retire Early (FIRE), Investments / /

I retired at the age of 43 at the end of 2018 so I could spend more time with my family and choose how I want to spend each day. It’s been amazing so far and I’m looking forward to the years to come. Strangely, you need this thing called “money” to be able to pay for your expenses in life. They getcha coming and they getcha going, don’t they?! 😉 Fortunately, we were prepared for that and socked away

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Investment Risk: Rebalance Your Way to Peace of Mind

Investment Risk: Rebalance Your Way to Peace of Mind

12 Comments / Investments, Financial Independence / Retire Early (FIRE), Taxes and Financial Planning / /

Another day, another dollar… hopefully. Aside from some small hiccups along the way, the stock market has continued its way upward since 2009 after the 2007-2008 financial crisis. As an early retiree, I’m happy to see that happen as our portfolio easily continues to outpace our spending. When I retired at the end of 2018, our net worth was not quite $1.1 million. Currently, we’re floating at a little over $1.75 million even while it pays our living expenses No

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