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

Travel Rewards – 12 Free Flights Earned in 9 Months!

Travel Rewards – 12 Free Flights Earned in 9 Months!

You ever see those offers from the credit card companies with the big juicy sign-up bonuses?  They might be offering 50,000 points or miles in travel rewards for spending maybe $3,000 in the first few months. If you’re like I used to be, you get those offers in the mail and just tear ’em up and pitch ’em.  Those jerks aren’t suckering me into their little trap of overspending my hard-earned money for a lousy plane ticket or hotel stay! Yeah, well that was then.  Back in my college days, I got my first credit cards and ran up about $30k in credit card debt.  It took me years to realize just how screwed I was and work my way

The Hardest Part of the Path to FIRE is…

The Hardest Part of the Path to FIRE is…

The path to FIRE (financial independence / retire early) can be a long and sometimes arduous path.  Each of us runs into our own obstacles and stumbling blocks along the way. One piece of good news is that, unlike the early trail-blazers that went down this path, there’s now a wonderful community on the big old Internet.  If you look past the get-rich-quick garbage out there, you’ll find a lot of supportive and helpful folks who want you to succeed. Another plus in your favor is that FIRE continues to become something more folks are doing.  It’s far from mainstream, but it’s more common than it has been anytime before. Because of that, there are a lot of success stories providing

The Next Steps in Our Early Retirement Plans

The Next Steps in Our Early Retirement Plans

I thought I’d take a step back from my normal posts to update everyone on our status – where we’re currently at and the next steps in our early retirement plans. My regular readers know that I’m leaving my job at the end of this year and we’re moving to Panama next summer (2019).  It seems like an eternity away, but it’s really not a lot of time. So the good news is that the adventure is almost ready to begin!  The bad news is that we have a lot going on to make this happen successfully. I’m a planner by nature, but it’s been a little stressful as each of these big steps has a lot of little steps. 

Guest Millionaire Interview on ESI Money

Guest Millionaire Interview on ESI Money

I got to do something really cool recently – I got to be a part of the Millionaire Interview series that John at ESI Money puts together. I met John in Dallas, Texas during FinCon17 and we shared a lot of good laughs during the trip. The funny thing about FinCon is that you can go there not really knowing anyone and leave there with friends you feel like you’ve known all your life. As a side note, there’s still time to get tickets to FinCon18 in Orlando.  If you’ve been on the fence, now’s the time to pull the trigger – you won’t regret it!  Register here. So a few months after FinCon, I realized I had already hit the

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