Planning Our 2020 US Road Trip: 26 States/31 National Parks!

Our 2020 Plans 2020, what a year (so far)! We had to cancel our 5-month Latin America trip, which led to an unexpected 5 months at home in Virginia, which has led to buying our first house, spending more time with family and friends, and shifting gears to working on lots of other projects! Since … Continue reading Planning Our 2020 US Road Trip: 26 States/31 National Parks!

Challenges in a Post-FIRE Life

Since reaching semi-retirement in 2018 and actual financial independence in 2019, life has been a whirlwind! In the past two years, Whitney and I have traveled to over 30 countries, spending about 9 of the last 24 months in total traveling internationally. We are actually supposed to be traveling through South and Central America for … Continue reading Challenges in a Post-FIRE Life

Financial Independence Update- May 2020

May was not nearly as busy as April for Whitney and I. We mostly spent the month getting things unpacked and set up in the new house. This ended up being a little more expensive than I anticipated, but not too bad overall. Luckily we already had some of the furniture, had some given to … Continue reading Financial Independence Update- May 2020

Cashing Out Instead of Keeping Points for Credit Card Rewards during COVID-19

Covid-19 is continuing to take a massive toll on countries all over the world. In the US, lockdowns and restrictions are beginning to lift, but cases and fatalities are still increasing in much of the world, especially in the southern hemisphere. With things so uncertain right now, it's hard to predict when international travel will … Continue reading Cashing Out Instead of Keeping Points for Credit Card Rewards during COVID-19

Paying Cash for a House Instead of Paying Off Student Loans

Buying a Home with Cash As I mentioned in last month's financial independence update, about a month ago I bought my first house and decided to pay cash for it! This was after about 5 years of saving and investing since graduating physical therapy school in 2015. It has been a wild ride since graduation, … Continue reading Paying Cash for a House Instead of Paying Off Student Loans

Our 2020 Latin America Trip

*by Whitney* Planning Our Next Adventure After our first two long international trips (Around the World in 2018 and EuroTrip 2019), we were planning our next big adventure for Latin America in March 2020! It seemed like a pretty quick turnaround, since we'd just gotten back from Europe in August 2019, followed by a big … Continue reading Our 2020 Latin America Trip

Financial Independence Update- April 2020 (Buying My First House!)

Sometimes life comes at you really fast. Since graduating, I've set some very specific goals and put plans in place to achieve them. Since reaching semi-retirement in 2018 and financial independence last year, my goals have been focused around visiting and exploring new parts of the world. Since our big trip to Central and South … Continue reading Financial Independence Update- April 2020 (Buying My First House!)

Determining True Effective Tax Rate Based on Income Level

Oh, Hello There! It's been quite a while since I've written a good finance related article! Part of this has been due to running short on ideas of things to write about, but primarily it's been due to a lack of motivation. Since reaching my FIRE goal net worth last year, I just haven't been … Continue reading Determining True Effective Tax Rate Based on Income Level

Financial Independence Update- March 2020

Wow, what year March was, huh? This was by far the craziest month of my life! Much has changed in the world, our personal lives, and our personal finances since my last update. In my February update, I mentioned that I had reduced my equity exposure due to potential disruptions from Coronavirus in China, but … Continue reading Financial Independence Update- March 2020

Financial Independence Update- February 2020

**This post was written on 3/2/2020 and I'm just getting around to posting it on 3/24/20. Reading back over this now, three weeks seems like a lifetime ago. It's amazing how quickly things can change in such a short period of time, and unfortunately, this time it's for the worst for all of us. Reading … Continue reading Financial Independence Update- February 2020