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

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Progress to Financial Independence- May 2018

Spring is here in Eastern NC and the weather has been wonderful lately. Whitney and I haven't published many posts this past month, and much of that is due to us having busy weekends (combined with being lazy :D). In the evenings during the week we have been making sure to get all of our … Continue reading Progress to Financial Independence- May 2018

Interview on the “Keep Thrifty” Blog: Becoming Financially Independent by Age 30

The wonderful people over at the Keep Thrifty Blog published a post today about my story and path to financial independence at 30. I really enjoy their blog and was excited when they reached out to me about the interview. Head on over to their blog and check out the article as well as some of … Continue reading Interview on the “Keep Thrifty” Blog: Becoming Financially Independent by Age 30

Progress to Financial Independence- February 2018

February may be the shortest month of the year, but this February was eventful. Whitney and I found out that our current contracts would be extended until the end of June, which is perfect for us since we won't have to look for new jobs before our big trip in July. The one stipulation for extending … Continue reading Progress to Financial Independence- February 2018

Avoiding the Individual Insurance Mandate Penalty in 2018

*The information contained in this post is not meant to be specific for you or your situation and is not meant to be financial advice, as I am not licensed as a financial planner or as an accountant. Before making any decisions, I strongly recommend speaking to someone licensed in this area to consider your … Continue reading Avoiding the Individual Insurance Mandate Penalty in 2018

2017 Savings Rate and 2018 Estimate in Semi-Retirement!

How Do You Calculate Savings Rate There are a lot of different ways to calculate savings rates as Big ERN, from Early Retirement Now, points out in his post on the topic. For me, savings rate #3 in his post seems to make the most sense. Calculating savings rate based on after tax compensation and … Continue reading 2017 Savings Rate and 2018 Estimate in Semi-Retirement!

Current Asset Allocation: February 2018

To be honest, I haven't paid much attention to my asset allocation recently. In 2017, I started saving cash for a down payment on a rental property, but I have also considered just saving enough to pay for an entire property up front. What I decide to do there will likely depend on when I … Continue reading Current Asset Allocation: February 2018

Progress to Financial Independence- December 2017

For this month, let's start off with my finances, after all that's probably the reason you clicked on this post in the first place. December resulted in another 1% increase in the S&P 500 which capped off 2017 with a total gain of almost 20%! That's the largest yearly gain since 2013. The bull market … Continue reading Progress to Financial Independence- December 2017

Semi-Retirement in 2018!

*The picture above is from an amazing trip to Aruba my brother and I took in December. Update 1/17/2018: ⇒⇒⇒ Click here for PART TWO: our travel agenda! ⇐⇐⇐ Original Post: Taking The Leap In my November monthly update, I mentioned that Whitney and I have been discussing transitioning away from full time employment to take … Continue reading Semi-Retirement in 2018!

Progress to Financial Independence- November 2017

In November, Whitney and I weren't quite as busy and spent more time focusing on working out, dieting and relaxing. We both had a couple weigh ins we needed to meet for our HealthyWage challenges, and Whitney decided to do a three day fast, both for health benefits and to meet her weigh in goal. … Continue reading Progress to Financial Independence- November 2017