No One’s Asked – Here’s Why You Should…

No One's Asked - Here's Why You Should...

No one’s asked.  Not a one.  Not one single person in my entire office. I’m now just days out from my retirement – December 31, 2018, is my last day of work.  I gave my notice in early summer and we kept it low-key in the office for a little bit while we worked out the game plan. However, I officially made the announcement to my engineers in a meeting on August 13.  And as many of you know, the grapevine in almost every office spreads like wildfire. We have just over 35 people in my office and I think everyone knew the scoop within minutes. That means it’s been well over three months and no one’s asked. Ok, Jim

You Get What You Get, So Don’t Throw a Fit

You Get What You Get, So Don't Throw a Fit

You get what you get, so don’t throw a fit. This might be a little bit of an off-topic post, but since cruises are my favorite vacation and that’s the banner on my site, I’m hoping you’ll hang with me on it.  Plus, the point is actually more than the cruise itself – it’s about enjoying life and aiming for more. I started this post while on a cruise ship.  We’ve been on a number of cruises with lines like Princess and Celebrity, but this is our first time with MSC Cruises.  We’re on the MSC Seaside en route from Miami to St. Maarten, Puerto Rico, and the Bahamas before we head back to Miami. We didn’t plan to take

Only You Can Change Your Circumstances

Only You Can Change Your Circumstances

Some guys have all the luck.  Things just seem to work out for some people and not for others.  Such is life.  After all, you can’t change your circumstances… can you? Hmm, that’s a question worth digging into – can you change your circumstances in life? I’ve always had this weird fascination about how cool it would be to take someone from the past (like from the 1700’s or 1800’s) and bring them to the present. Yeah, I’m a weirdo – deal with it. But, imagine their awe at some of the technology we have today.  There’s so much we take for granted… computers really are an astounding feat. If we just look at smartphones as one facet of technology, it’s almost

Working Toward FIRE is Not About Sacrifice

Working Toward FIRE is Not About Sacrifice

Recently, I was taking a walk with a coworker (something I do on a regular basis now).  While we were walking, we were talking about my plans to retire at the end of the year.  He then said something I thought was interesting… “You guys deserve it – you’ve sacrificed a lot to get where you are.”  Sacrifice? Obviously, his intent was good (he’s a great guy!), but it’s a bit shortsighted.  And unfortunately, it’s a common mindset that many folks outside of the personal finance community have. The thought is that if you get to the point where you can retire early, you must have either gotten paid a ton of money or really had to sacrifice a lot

There is a Secret Formula to FI, But It Ain’t No Secret!

There is a Secret Formula to FI, But It Ain’t No Secret!

Everyone likes a secret, but a secret formula?  Even better! Now that we’re only a few months out from me quitting my job, we’re starting to share the news more with friends and family. A lot of them seem to be a little confused, but then we talk about our planned move to Panama and it takes most folks to a level beyond comprehension. Eventually though, we tend to get past that initial shock.  And then the “bold” ones out there muster up the courage to ask some questions. But most importantly, they want to know how we did it… What’s the secret formula for reaching financial independence? I think it’s a fair question. After all, people as a whole tend

If You’re Not Happy Now, FIRE Can’t Fix That… Baloney!

If You're Not Happy Now, FIRE Can't Fix That... Baloney!

Much of what I’ve read lately seems to revolve around the idea that if you’re not happy today, you won’t be happy once you reach FIRE (financial independence / retire early). After all, happiness is more than just whether or not you’re stuck in the rat race.  If you’re not content with your life now, how will quitting your job make any difference? Hmm, yeah, I’m sorry… I’m not buying it. Now before you jump to lashing out at me in the comments, give me an opportunity to explain. I do think that you need to be somewhat happy with your life to begin with.  If you’re just normally a miserable person, chances are you’re always going to be a miserable