Stock market drop is an investing opportunity 

Stock market drop is an investing opportunity 

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The stock market has its ups and downs. Historically, it’s up more than it’s down which means it’s good for you and me if we invest during good opportunities. It’s hard to watch when your portfolio shrinks during downturns due to economic uncertainties. The other mindset is that a stock market drop is an investing opportunity.   A stock market drop means that the cost to buy individual stocks and equities is cheaper than it was before. Uncertainties, such as, is…

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Take the time to talk with a financial consultant 

Take the time to talk with a financial consultant 

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I’ve never been good at talking with any financial experts, consultants, or advisors. One reason is that it takes time out of your day or time away from work. Plus I felt like it’s constantly a sales pitch trying to get me to buy more services. Most cases it was just that but when I rolled over my entire retirement account to my IRA after I left my employer my financial representative with my brokerage reached out to me asking…

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What will you do with your retirement plan 

What will you do with your retirement plan 

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When you leave your job, whether it’s to move onto a new job with a different employer, retire, or just call it quits, what will you do with your retirement plan? I recently resigned and consider myself early retired. I worked 15 years for my last employer and I contributed to my retirement plan to the max limits so there was a sizable balance.   I considered all the options I have and here they are. I could either  I’ll let…

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Getting Burnt From Investing 

Getting Burnt From Investing 

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Spending your hard earned money wisely is one thing you need to be good at to reach financial independence. What to spend and where to spend are questions we ask ourselves many times during the day. Now if you want to invest your money, it’s the same questions…what to invest and where to invest. Have you started investing? Are you afraid to invest? Are you cautious of getting burnt from investing or have already been burnt from investing? Getting burnt…

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Retired at 50 

Retired at 50 

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A major milestone in my FIRE journey was reached! Adopting strategic moves with investments and handling my finances appropriately, I can announce that I was able to retire at 50! It’s been a long term goal of mine to be able to walk away from my 9 to 5 job, gain back my time, and be able to do what I truly enjoy. Every article I write in this blog are techniques I used to help me reach this goal. This…

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The one finite resource you can’t control 

The one finite resource you can’t control 

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You can control your spending, where to eat, your next vacation, what car to drive, or where to live but there’s one thing you can’t control. That is TIME! You can’t slow time. You can’t fast forward time. Seconds, minutes, hours, days, months, years, and decades will come and go just like that. What you can control is how you spend the time that you have to benefit you and others because the one finite resource you can’t control is…

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F.I.R.E.d 

F.I.R.E.d 

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If you’re familiar with the financial independence concept you probably have heard of the acronym FIRE. It stands for financial independence retire early (FIRE). Essentially, you accumulate enough wealth that you can confidently say that you are financially independent from needing to work anymore and you now have the option to retire early. And retiring early has different definitions depending who you talk to. I can confidently say that I’ve F.I.R.E.d and I couldn’t have done it without my family being onboard.   I’m excited…

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The Meaning of Early Retirement Differs

The Meaning of Early Retirement Differs

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If you asked me 5 or 10 years ago what my definition of early retirement was, it would be much different than what I think of it today. In fact, my definition of early retirement can be much different than yours. My early retirement outlook will change depending on which life stage you’re at. That’s what happened to me. The meaning of early retirement differs amongst other people and even your own self from a different time period. When I…

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What 2025 Has Taught Me

What 2025 Has Taught Me

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My experience with 2025 has been, let’s just say, interesting. From financial decisions to dealing with health situations and a career move, I can say that 2025 was full of challenges that I’m eager to take on and see what comes next. 2025 also taught me a few lessons and I’ll share with you what 2025 has taught me. Don’t Lose Sight of the Goal No matter what life throws at you, no matter how many times you fall off…

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Previewing Early Retirement

Previewing Early Retirement

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Ever wonder what retirement or early retirement looks like? Are you able to take a sabbatical or extended leave to try it out? I have an opportunity right now and let me tell you what I think about it. The government is shutdown and I am a furloughed federal employee. At the time of writing this, it’s been more than 3 weeks that I’ve been furloughed. I’m using this time to see how early retirement would feel like with how…

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