Financial Independence / Retire Early (FIRE)

Selling Everything We Owned Has Been Truly Liberating

Selling Everything We Owned Has Been Truly Liberating

24 Comments / Life in Early Retirement, Financial Independence / Retire Early (FIRE), Geoarbitrage, Motivation, Panama, Travel and Vacation / /

Selling everything and just taking off and leaving is a dream a lot of folks have… even if it’s just a fleeting thought. To actually do it though sounds crazy. Who would do something like that?! Yeah, we were those people. We got rid of just about everything we owned and headed to Panama in the summer of 2019. At the time, we were just going through the checklist of moving preparation to make it happen. One of the biggest […]

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Looking Back From Your Deathbed… Be Alive Now!

Looking Back From Your Deathbed… Be Alive Now!

13 Comments / Motivation, Financial Independence / Retire Early (FIRE), Health and Fitness, Life in Early Retirement, Travel and Vacation / /

Picture yourself on your deathbed looking back on your life… A few fun vacations, some great nights out with friends, or maybe some great memories with a loved one or kids. Whatever comes to mind, I’m sure there will be some great memories that’ll make you smile. But now dig a little and try to think about what you’ve regretted not trying or doing more of in life. Maybe it’s the simpler things like sitting back and watching a couple

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Using Your HSA for Retirement – How to Track It Easily and Efficiently

Using Your HSA for Retirement – How to Track It Easily and Efficiently

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

Health Savings Accounts (HSA’s) have been around in the U.S. since the end of 2003. However, using your HSA for retirement has only been gaining popularity over the last handful of years. There’s no doubt that this is one very special account. Although designed as a medical savings account to be paired with a high-deductible health plan (HDHP), there’s a crafty way to make it even more valuable. In doing so, your money goes in with pre-tax dollars, grows tax-free,

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Aren’t You Bored in Retirement? The Truth Comes Out!

Aren’t You Bored in Retirement? The Truth Comes Out!

20 Comments / Financial Independence / Retire Early (FIRE), Life in Early Retirement, Motivation / /

Bored in retirement. For some reason, that seems to be a concern many folks have with retirement, particularly early retirement. The “easy” part’s done. You’ve saved up enough money that you’re able to leave work on your terms. You’ve hopefully used a free retirement planner like the one in Empower (formerly Personal Capital) to give you the confidence you need on that front. With the money equation out of the way and retirement here, you’ve gained the freedom of choice.

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Health Insurance in the U.S. – How We'll Keep Costs Low

Health Insurance in the U.S. – How We’ll Keep Costs Low

33 Comments / Insurance, Financial Independence / Retire Early (FIRE), Health and Fitness, Life in Early Retirement / /

The subject of health insurance in the U.S. tends to make people cringe immediately when thinking about it. And rightfully so! I don’t think anyone can argue that the system in the U.S. is broken. It’s overly complex, the costs are out of control, and something needs to change. Now, we might all have different thoughts on what should be done, but we all know that something needs to be done. Unfortunately, though, the choices are pretty limited. If you

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Play the Hand You’re Dealt To Live the Life You Dream

Play the Hand You’re Dealt To Live the Life You Dream

16 Comments / Motivation, Financial Independence / Retire Early (FIRE), General Thoughts, Health and Fitness, Investments / /

If you sit on the sidelines and continue to fold instead of playing the hand you’re dealt, you’re never going to get ahead. This is true in poker, but it’s also true in life. It’s time to stop just going through the motions and work on making your dreams come true. I reflect on how much we’ve progressed the last decade or two and I’m amazed and proud of us. Seriously. I retired a couple of years ago at the

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We Don’t Need More Money... But I Want It!

We Don’t Need More Money… But I Want It!

42 Comments / Financial Independence / Retire Early (FIRE), General Thoughts, Investments, Life in Early Retirement, Saving, Spending / /

The guiding principle of the Financial Independence / Retire Early (FIRE) movement is to get to the point in life where you have enough and don’t need more money to cover your expenses. Once you pull that off, you’re golden. You’re now financially independent and never have to work another day in life again… if you don’t want to. It sounds great, right? And for someone that pulled it off at the age of 43 a couple of years ago,

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Our Moving Plans Changed Again… and That’s OK

Our Moving Plans Changed Again… and That’s OK

16 Comments / Life in Early Retirement, Financial Independence / Retire Early (FIRE), Panama, Travel and Vacation / /

Moving plans are generally immensely stressful. Trying to coordinate everything to fall into place as smoothly as possible can be extremely complex. Depending on your scenario, it could involve a lot of juggling. Maybe you have to hire a real estate agent to sell your home and coordinate house showings around your work schedule and home life. Make sure to keep your house immaculate while strangers traipse through it without you even being there. Don’t forget about the pain of

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What I Did During My First Week Off in 6 Years!

What I Did During My First Week Off in 6 Years!

12 Comments / Life in Early Retirement, Blogging, Financial Independence / Retire Early (FIRE), Panama / /

It took a lot for me to not write a blog post last week. After not missing a single week for over 6 years, it’s just became ingrained into my weekly routine. So my first week off gave me a little bit of a strange feeling. I generally write the following week’s post sometime later in the week. However, I don’t usually get it completely done in one sitting. I might start a post on Thursday and work on it

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Finding Happiness Once You Leave the Rat Race

Finding Happiness Once You Leave the Rat Race

28 Comments / Motivation, Financial Independence / Retire Early (FIRE), Life in Early Retirement / /

I remember thinking that finding happiness would be instantaneous once I left my career behind. After all, work was the time-suck in my life that was holding me back. Back in 2010, I was crushed when I had to go back to work after the short vacation I took once my daughter was born. My 9-5 was in the way of everything and I wanted out. Fast forward to my first day of early retirement on January 1, 2019, and

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