We’re All on the Same Journey

We’re All on the Same Journey

The journey to FIRE can be an arduous path. Sometimes I struggle with the content I want to put on this blog.  It’s not due to a lack of ideas, but rather a matter of wondering if the reader can relate. Some of you are just starting to get interested in the idea of financial independence.  Perhaps you’re saddled with debt, but know there’s got to be a way out. Others of you are in your wealth-building stage of your life and you’re working on banking whatever you can. And then there are some of you who have already reached retirement – whether it be early or not. Finally, there is a group of you who have not only reached

The Roth IRA Conversion Ladder Dilemma

The Roth IRA Conversion Ladder Dilemma

I’ve been a bit moody the past couple of weeks.  I’ve been focusing a lot on trying to pinpoint our exact retirement date and I’ve been struggling.  The problem all stems with the Roth IRA Conversion Ladder we plan to do. First off, if you’re on the path to FIRE (Financial Independence/Retire Early) and you’re not familiar with how a Roth IRA Conversion Ladder works, this could be important to you. It’s not the end-all-be-all solution, but the ladder is a method that many early retirees are able to use to make FIRE actually happen. You see, normally you don’t have access to your traditional 401(k) and other retirement accounts until 59½.  This is a problem for young whippersnappers trying

The 10 Best Financial Podcasts

The 10 Best Financial Podcasts

The 10 Best Financial Podcasts???  Aren’t podcasts for nerds?  Who in the heck would listen to people droning on and on for an hour talk show?! A couple years ago, that’s what I was thinking.  Then about a year ago, I canceled my Sirius XM radio subscription and learned something… local radio sucks.  Maybe that’s not the case for all areas, but where I live in Ohio, it’s horrendous. So I was stuck. Fine, I decided, I’ll give these “podcasts” a try. And guess what – I’m glad I did.  Now that’s all I listen to during my commute to and from work every day. But I don’t just listen to any podcasts – I listen, almost exclusively to personal

If Tomorrow Never Comes…

If Tomorrow Never Comes…

I’ve been thinking a lot about tomorrow lately and any regrets I would have if that day never arrived. There was a touchy-feely show on back in the 80’s called Highway to Heaven.  I was only a kid back then, but I used to watch it all the time and I loved it. I’ll wait while you laugh at me. Yeah, well, it gets worse. I was pretty excited to see that it showed up on Netflix at some point so now I’ve been watching the series all over again. Um, yeah, I have problems. For some reason, I decided to look up Michael Landon and find out some of his background. If you aren’t familiar with him, he, unfortunately,

My Wife Trusts Me Too Much – Finances and Marriage

My Wife Trusts Me Too Much – Finances and Marriage

My wife trusts me… too much.  Specifically, with regard to our finances, that is.  When you mix finances and marriage, it’s important that you and your spouse flow together in perfect harmony. It seems that most of the time when I bring up a financial decision that needs to be made, I hear those special words: Whatever you think… Look, I feel good that she trusts my judgment, but it’s important that she understands and is a part of the decision-making. Every couple’s handling of finances is slightly different.  In some relationships, it’s the husband’s “job.”  In others, the wife handles it.  And in some instances, it’s a joint effort. Regardless of who handles the finances though, both parties should

I Just Spent $35 on a Sleeping Pad and Feel Guilty as Shit

I Just Spent $35 on a Sleeping Pad and Feel Guilty as Shit

Well, Amazon Prime Day happened.  I told my wife to stay away from Amazon for the day and not to get sucked in.  I warned her about it.  Unfortunately, nobody warned me and somehow I ended up in the vortex and bought a $35 sleeping pad before the day was over. I debated it while it sat in my cart and the 15-minute countdown clock was ticking away.  I even deleted it out of my cart and re-added it just to restart the clock. I contemplated this for 29 minutes and 56 seconds before I pulled the trigger and made the purchase. Then I just stared at my screen and felt guilty.  In fact, I felt guilty about it for