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

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

Live Interview with Chris Mamula: Co-Author of the New ChooseFI Book

In November, I had the pleasure of sitting down with physical therapist and early retiree Chris Mamula for a "Facebook Live" interview on the FifthWheelPT Facebook page. Chris is co-author of the new book, ChooseFI: Your Blueprint to Financial Independence, the primary writer on CanIRetireYet.com, and the author of a really great guest post on … Continue reading Live Interview with Chris Mamula: Co-Author of the New ChooseFI Book

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

Financial Independence Update- January 2020

January has come to an end, and with it we're now at less than 6 weeks until we leave for our next long international trip to Latin America (Mexico, Central America, and South America)! We've been doing more planning for the trip over this past month, and it's been simultaneously exciting and tedious. This trip … Continue reading Financial Independence Update- January 2020

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

Financial Independence Update- December 2019

December was a fairly laid back month despite the holidays. Whitney had a couple extra days off from her Travel PT assignment due to the clinic being closed for Christmas and closing early on Christmas Eve and New Years Eve. I spent a lot of time in December in the gym and was rewarded with … Continue reading Financial Independence Update- December 2019