On the Path to Financial Independence

let’s get there together

In the wake of a shaky start to 2016 markets and volatility through much of the last 6 months, there seems to be a new article every day articulating market pessimism or the need to immediately liquidate equity holdings. It’s precisely these moments that history demands we (the long-term, buy-...

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Asset allocation strategies while earning can range from an incredibly simple single fund (see jlcollinsnh’s 100% VTSAX Vanguard Total Stock Market Index Fund) to a three-fund portfolio to virtually any level of complexity you can imagine. You can pay a financial advisor to do it all for you (th...

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The idea of charitable giving may seem contrary to early retirement. In many ways it is - giving is a form of spending and Step 1 of Early Retirement 101 says to minimize expenses. Yes, giving is a tax deduction but it only becomes beneficial once you’ve exceeded the standard deduction. Personal...

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I touched on a generic savings decision tree in Step 3 of Early Retirement 101 but think it will be helpful to see our actual savings plan for a specific example.

I work a standard 9-5 job that offers a 401(k) plan and health insurance with a HSA. My wife is a self-employed graphic designer and...

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So you’ve decided working until you’re 62 isn’t your ideal? Chances are, if you are here researching early retirement, you’re already in a better position that most. 18 months ago when I began seriously considering what it would take to retire early, my financial house wasn’t in order so I€..

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