Archive | January, 2014

How living on less than $3K a month led to my early retirement

31 Jan

    How living on less than $3K a month led to my early retirement Jennifer and I retired together at 37 (we are now 39). We did not inherit money from wealthy family members nor hit the lottery. We made very wise decisions during our 20 years of marriage. One of the underlying keys that […]

Compound Interest; Ride the wave, or be the wave

28 Jan

    “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”   Breaking down one of my favorite quotes from Albert Einstein, we can see a clear separation between two very different types of individuals. Those that understand the power of compound interest […]

Over Insured Society

5 Jan

 Over Insured Society In order to become financially independent and retire early, we must look at all of our expenses and optimize them to the fullest.  Insurance is no exception. The first insurance contracts can be traced back to early Chinese and Babylonian merchants who would spread the risk of a total loss of wares by spreading […]