Current Crypto Asset Allocation and Return: April 2021

It has been exactly a year now since I made my very first two cryptocurrency purchases in April of 2020. This came after over a month of a very deep dive into not only the past and potential future of crypto, but also a thorough examination of the macroeconomic impact of COVID. Once I understood … Continue reading Current Crypto Asset Allocation and Return: April 2021

Why You Should Consider Investing in Bitcoin in 2021

I remember watching the Bitcoin bull market of 2017 and thinking that people buying then were crazy. After all, I'd spent time in 2016 and early 2017 researching cryptocurrencies and determining that the risk wasn't worth it with all things considered. It was completely baffling to me watching the price increase 20x after that. Comparisons … Continue reading Why You Should Consider Investing in Bitcoin in 2021

Saving 100% of Work Income: Living on Side Hustles!

When I first discovered the concept of financial independence while in my last year of grad school, I knew it was a milestone I wanted to achieve as quickly as possible. At times this led to an almost unhealthy obsession with maximizing income, minimizing expenses, and managing my investment accounts. This dedication to my finances … Continue reading Saving 100% of Work Income: Living on Side Hustles!

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

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

Lessons Learned and Results From a Full Year of Tracking Expenses

Taking the Hypothetical Plunge I've mentioned many times in my monthly financial independence updates that for 2019 I decided to track all of my expenses for the entire year. Although quite arduous at times, this was a great experience for me and gave me insight on my actual spending and where my money goes each … Continue reading Lessons Learned and Results From a Full Year of Tracking Expenses

Current Asset Allocation: November 2019

It has been almost 2 years since I last updated and wrote about my asset allocation. I've done a surprisingly terrible job monitoring changes and rebalancing my assets over the years. I'm not sure why that is exactly, but it's certainly something I'll be changing now that I've reached my financial independence goal and am … Continue reading Current Asset Allocation: November 2019

2018 Savings Rate in First Year of Semi-Retirement!

Savings Rate Changes I've written in the past about how my high savings rate has been the key to being able to semi-retire after only three years of full time work. In fact, savings rate is the single most important factor in determining your financial independence date and has been the primary focus for me on … Continue reading 2018 Savings Rate in First Year of Semi-Retirement!

How It’s Possible to Retire in Five Years or Less: The Power of Your Savings Rate

Whenever someone finds out that I worked only three years full time after graduating from physical therapy school, and that I'm very close to financial independence at 29 years old, the natural question that follows is, "How is that possible?" The answer to that question lies in the magic of my savings rate. My Savings … Continue reading How It’s Possible to Retire in Five Years or Less: The Power of Your Savings Rate

Financial Independence: The Power of Having Options!

A Look Back at My Financial Journey It's hard to believe that I have been doing monthly financial updates for over two years now. Things have changed so much in that time. Two years ago when I started tracking my progress to financial independence, I thought I had things pretty much figured out. Now, looking … Continue reading Financial Independence: The Power of Having Options!