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!

15 Week Summer European Adventure in 2019!

After our semi-retirement last year in 2018, and a wonderfully successful 5 month trip around the world, it's pretty safe to say that Whitney and I are hooked on traveling and exploring various international destinations. We spent about a month in Europe during the trip last year, but most of our time was in SE … Continue reading 15 Week Summer European Adventure in 2019!

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

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

Retire at 30?? Won’t You be Bored?

A Taboo Topic I know that I talk about my financial plans for the future a lot on my blog, but in my personal life I do my best to avoid this topic unless specifically asked or if it somehow comes up in conversation. This is especially the case when working with patients. Controversial topics … Continue reading Retire at 30?? Won’t You be Bored?

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

Planning Our Trip to Europe, Africa, and Asia: 2018 “Slow Travel”

In Review As I talked about in ⇒ my last post ⇐ 2018 is going to be a crazy year for Whitney and me as we transition into semi-retirement. We plan to work the first half of the year, January-June, and then "slow travel" internationally the second half of the year, July-December. Our one-way ticket to Europe … Continue reading Planning Our Trip to Europe, Africa, and Asia: 2018 “Slow Travel”

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!