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

Are Your Posts Worthy of Rockstar Finance?

Are Your Posts Worthy of Rockstar Finance?

Recently, I was given the opportunity to serve as the guest curator for Rockstar Finance. What’s Rockstar Finance you may ask? Only one of the coolest sites in the personal finance space. Rockstar Finance was started in 2013 by J. Money from Budgets are Sexy and then bought by John from ESI Money in 2017. Every weekday, the site features three of the best posts from the personal finance blogging realm.  An email is also sent out with the featured posts to its large subscriber base. If you’re a personal finance blogger, you likely already know about Rockstar Finance.  If not, you should get to know it. The huge number of daily visitors to the site and the large number of

How FIOR Can Save You From the FIRE

How FIOR Can Save You From the FIRE

In 2017, Lisa at Mad Money Monster coined the term FIOR in her blog post, F.I.O.R. – Financial Independence Optional Retirement.  And you know what… she nailed it. The premise of her post was that a lot of folks become excited about what the FIRE (Financial Independence, Retire Early) community stands for and they head down a similar path. However, not everyone needs to jump ship and retire early. Lisa and her husband, for example, are on the road to financial independence.  But he has no intentions to ever quit his job and she’s realized she’s really after options.  She wants the option to keep working if she wants… or quit if she decides to at some point down the line.

Is Retiring Early Really the Best Thing for Our Family?

Is Retiring Early Really the Best Thing for Our Family?

Is retiring early really the best thing for our family?  That’s the question Mrs. R2R sought to answer. Since the Route to Retire blog started in May of 2015, I’ve been hoping to get the other side of the R2R equation (Mrs. R2R) to be a part of the conversation here. It’s easy to get the opinion of one person on the subject of financial independence and retiring early.  However, it’s a completely different story to hear what that person’s better half has to say about the subject. Sometimes you have a saver and a spender in the relationship.  Maybe you have someone ready to retire early and someone who really enjoys working with no plans to ever stop. Getting