Life in Early Retirement

Is It Worth It to Open a Credit Card With a Huge Annual Fee?

Is It Worth It to Open a Credit Card With a Huge Annual Fee?

Yeah, this was something I was initially against. Why on earth would anyone pay that much money to open a credit card?! After several years of thinking that way, I’ve since changed my mind. And I recently applied for and got a credit card with a $395 annual fee!! It was something that we’d never done before. Premium cards like this are expensive and they never seemed worthwhile to us. Sure you get some good perks with them, but could …

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Finding My Place Again in the U.S. – 3 Things I’m Worried About

Finding My Place Again in the U.S. – 3 Things I’m Worried About

We moved to Boquete, Panama back in 2019, just months after I had retired from work at the end of 2018. We had sold everything we owned and moved to a country that we had only visited one other time – a country where we knew no one and almost everyone speaks Spanish. You would think that this whirlwind would be one of the biggest hurdles in life to adjust to and figure out. Funny enough though, finding my place …

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This Set of Dumbbells Is So Good That My Cheap @#$ Just Spent $300 on Them!

This Set of Dumbbells Is So Good That My Cheap @#$ Just Spent $300 on Them!

Working out is something I’ve made a priority in my life since reaching early retirement at the end of 2018. I’ve worked out at home, done different gyms, and even bought an over-priced set of dumbbells in the U.S. while we were living in Panama just so I’d have something to use when visiting. Now that we’re back in the U.S. to live, I needed to figure out what I’d use for my workouts here. I initially planned to use …

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ACA Subsidies Mean We Only Pay $227.34/Mo for Our Family of 3

ACA Subsidies Mean We Only Pay $227.34/Mo for Our Family of 3

I talked last year about how we planned to keep our health insurance costs low once we moved back to the U.S. from Panama. Well, that time is now and I wanted to share how ACA subsidies have enabled us to keep our costs even lower than anticipated. One of the toughest areas to plan for in early retirement is health insurance. Finding quality health care coverage at an affordable price to tide you over until Medicare eligibility at 65 …

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Stepping Out of My Comfort Zone Led to an 8-Night Fishing Trip of a Lifetime in Canada

Stepping Out of My Comfort Zone Led to an 8-Night Fishing Trip of a Lifetime in Canada

I like to push myself to try new things that are outside of my comfort zone. A good example of this is when I hiked up a volcano in Panama earlier this year. Although it was definitely out of my wheelhouse, these are the sorts of things that help open my mind up to new and possibly great experiences. So when my cousin Dennis told me they had someone back out of their big week-long fishing trip in the bush …

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I Need a Mental Break

I Need a Mental Break

I’m exhausted and I need a mental break. There’s this weird dynamic in the blogging (and social media) world where the more you’re out doing “stuff”, the more it looks like you’re out living the dream. I’ve never really cared much about all that but I do put my life out there for everyone (both good and bad). And this year, we’ve been insanely busy doing more stuff than I could have ever imagined. Most of you know that we’ve …

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On the Road: The Wrap-Up and Some Fun Stats!

On the Road: The Wrap-Up and Some Fun Stats!

And we’re back! We just returned from 31 days on the road. Even though we didn’t plan for a specific number of days, we ended up traveling for a full month pretty much on the nose! We had so much fun and got to check out so many places we’d never been to before. Along the way, we had our share of headaches as well (that comes with traveling!) but I’m glad we did this trip while our daughter’s still …

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4 Easy Ways We Were Able To Save Money in Las Vegas… BIG Money!

4 Easy Ways We Were Able To Save Money in Las Vegas… BIG Money!

I’m always happy to save money in Las Vegas. I’ve been there a lot over the years and every time it’s a little different. Regardless, of the trip though, I’m always all about “finding the best deals.” We’re currently on our month-long road trip around the country and just spent a whopping 8 nights in Vegas! That’s the longest I’ve ever stayed there in one trip. In that amount of time, we crammed in a lot of fun including walking …

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Our Summer Road Trip So Far Includes a Flood, Wildfires, Freezing Temps, Blistering Heat, Strong Winds, and a Thrown-Out Back!

Our Summer Road Trip So Far… Mother Nature’s Vengeance!

Yeah, there’s a lot going on there, right? Looking at a title like this, you might feel convinced that our summer road trip has been a bust. I can’t argue with that line of thinking. There’s not one thing on this list that sounds positive at all. So you might be surprised to know that the first two weeks of our summer road trip have actually been a ton of fun. And two of Mother Nature’s natural disasters made us …

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Renting an Apartment With No W2 Income as a Retiree

Not having a W2 income was one of the things that made me a little uneasy when planning for early retirement. Would renting an apartment or getting a mortgage for a place be a massive headache? My concern stands that when you need to open a new line of credit or fill out a rental application, one of the expected questions for you to answer is “what’s your annual income?” For the most part, we’re living off our portfolio income. …

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