Retiring early.  That’s a thought that eats away at me all the time.  Not because I don’t want to work anymore, but because I want the freedom to work when I want and from wherever I want.  Every day, I wake up and think of one phrase…

“Time to make the donuts.”

Time to Make the Donuts...If you don’t remember that commercial from the 80’s and 90’s, it was a phrase Fred the Baker would mumble to himself as he woke up every day as he got ready to go to work at Dunkin’ Donuts.  Every day, the same thing, day in and day out.  That’s how I feel when I go to work… time to make the donuts.

If you’ve ever had that feeling, then you’ve come to the right place.  This site is here as a document of my journey on the path to financial freedom.  I’m not retired yet, but I’ve figured out the plan to make it happen and I’m well on my way.  Along the way, we’ll discuss other aspects of finance and maybe have some fun posts as well.

Come join me and learn how to take control and gain your financial independence!

I work at a technology company that I started at as an engineer just before the year 2000.  Somehow I have a knack for finding my way into middle management with almost every job I’ve worked and that’s the position I’ve been since the year 2005.  Although I enjoy technology and I like my job per se, I don’t like having to go to work every day.  I would love for it to be more of a hobby or something I just do on a more freelance basis – and only when I feel like it instead of doing it because I need the money.

There are a number of different paths to take yourself on the route to financial freedom.  For me, that path is a mix of a few items:

  • Strong savings / Retirement accounts – Between savings and investment accounts, we’re currently putting away about 35% of what we make (before taxes).
  • Not living an extravagant lifestyle – we take more vacations (cruises, Vegas, etc) than a lot of people I know, but in general, we live pretty modestly and we don’t throw money around.  No keeping up with the Joneses in this household! 🙂
  • Real Estate – We have one rental house and one duplex and are planning on 2-3 more properties over the next few years.

After really looking at the numbers and with a second opinion from a financial planner, I’m planning on retiring before I turn 50 in 2025.  Hopefully, I can make that happen sooner, but that’s the game plan.  That might seem like a long time away, but I have a feeling that will fly by.

Although I’ve wanted to become financially independent for a while, a big catalyst for my determination was having my daughter in 2010.  It kills me to have to go to work every day and not be able to spend as much time as I want with her.  With my current plan, unfortunately I won’t be retired until she’s 15 (and as a teenager, she’ll probably despise one or both of us), but I still want to show her the right path to follow.  That way, she can see that it’s possible to do this by getting started sooner rather than putting it off until later in life like I did.

So that’s my story.  If you’re wondering about the header being a picture of the ocean, that’s a photo taken from one of the cruises my family went on.  Cruises are my favorite vacations and when I look out at the ocean from the ship and see how beautiful it is, all I can think is…

Why am I wasting life sitting in an office chair at work?

So that header photo on the site is just a reminder to me of what some might call the “end game” but what I would call the time to really start living.

As a final note, please know that the only money I make from this site are from the few ads you see and affiliate links for any products that might be discussed.  I will never take paid product endorsements though – any affiliate links are for products that I enjoy and see the value in.

Time to Make the Donuts...I would also recommend that you sign up to be on the mailing list.  You’ll receive an email once a week with any new articles that have been posted so you don’t miss out!  And your info will never be shared or sold.  Sign up below!

Thanks for your time and I hope you enjoy everything you see here!!!

— Jim