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Tag: early retirement

How To Save On Expense Fees: Vanguard Target Retirement Funds vs. DIY Admiral shares

How To Save On Expense Fees: Vanguard Target Retirement Funds vs. DIY Admiral shares

The Vanguard Target Date Retirement Funds are some of the most well-known funds out there. But did you know there was a trick to savings thousands in expense fees per year? We did the breakeven math on how much you need invested in each Target Date Fund in order to turn our higher expense ratio’d Investor shares into Admiral shares. If you’re a beginner or a passive investor, you want a diversified portfolio so you can passively invest and not…

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11 Valuable Items For a Luxurious Life

11 Valuable Items For a Luxurious Life

Frugality is always a strong topic in the Financial Independence /Retire early (FIRE) world, and it seems to me that we sometimes forget to spend a little money on the luxuries of life. Spending a little more on products you use every day is NOT a waste of money. In fact it’s the smart thing to do, and it should be considered inexpensive. We should be measuring the cost of something in cost per use, and additional happiness it brings…

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Hedging Your FI Equities Portfolio

Hedging Your FI Equities Portfolio

The biggest risk of your portfolio not lasting your retirement timeline is if the stock market plunges within the 8 years that you retire, which is better known as sequence of returns risk. This is because historically, when a recession or depression happens, it means a huge market dip that doesn’t rebound fully for a few years. So, for anyone who has worked in finance, the first solution you think of is pretty simple. Why not just buy puts on…

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Tips on convincing your significant other to retire way earlier

Tips on convincing your significant other to retire way earlier

One of the most common questions online and in the Meetup groups I go to for FIRE-minded people is how to get their significant other on board. If you do not have a significant other, here are some online dating tips for men. Note that I’m a woman, so I have no clue how to give tips to women. The more you think about it though, the more the question is similar to “What should I get my significant other…

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Top 8 Posts of 2017

Top 8 Posts of 2017

Though this blog is a baby bird still in its nest, I still want to celebrate the wins this blog has had over the past year! So here’s a list of the top 8 posts of 2017 :). Enjoy! 1. Hustle In Your 20s To Be Financially Independent In Under 10 Years I did the math behind how much faster you could retire if you took up a side hustle. There’s a limit to how much you can save on…

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