None of us is born with an instruction manual providing answers about how to live our lives. For that matter, even if we did have a manual, what would we do during those early years until we learned how to read? Many of us tend to spend our entire lifetimes trying to figure out the […]
Keeping up with the Joneses
Drumroll please: Our Decision to Downsize our Home
We have shared with you in several of our articles over the last couple of months that we are considering to downsize our home. This would be a move to a local Sedona townhouse only a half mile away and about one third smaller than the space we are in today. Part of the decision […]
A Tale of Two Employees’ Finances: “Boot”
Worldwide, there is panic over the recent, drastic stock market decline. Fear seems to be in the air. Who knows how far the market will fall? What will the short- and long-term effects be on the economy? I thought that this period of uncertainty might be an excellent time to reflect on those of us […]
Welcome new readers and subscribers
Welcome new readers and subscribers! My recent guest post on the 7 Phases of Retirement over at Retire by 40 last week piqued interest in our personal journey to financial independence. Many of Joe’s readers visited this site and subscribed to receive future posts. Thank you. We would like to extend a warm welcome to our new […]
Should you rent or buy your home?
Lately, I have been reading a lot of articles online about the virtues of renting versus owning your home. The posts and feedback from readers have been quite informative and interesting to read. Should you rent or buy your home? I enjoy exploring how other people approach their location and lifestyle. Maybe this is my […]
A Tale of Two Employees’ Finances – “Billy”
In another post I compared the difference between my situation and that of a co-worker. If you have not already read that post, check it out here. Over 30 years ago, I met a great friend of mine when we worked for a large wholesale bakery operation. Let’s call him “Mr. Billy” or “Billy” for short. […]
Are we there yet?
Today we have a treat with a post from my wife. I thought it might be interesting for people to see life in the household from my better half’s perspective. I hope you enjoy it, and please do leave feedback and ask questions. Do you find yourself focusing more on the future than living in […]
2 Secrets to an Aggressive Savings Strategy
How will you know if you have saved enough to retire by 30, 40, 50, or 67? There are numerous online calculators at TRowe Price, MSN Money, FIREcalc , Personal Capital, Fidelity, and others that can help you calculate what your needs are based on your current holdings, time horizon, and risk tolerance. My bet […]
We have lived as a one car family for years
I have enjoyed riding a bike from the very first day I learned how to ride one, somewhere around the age of five. It is such a marvelous invention to use human-powered effort to propel a machine down the road, at greater speeds than you could possibly achieve by running. This is almost as exciting […]
Emotional Biases that Affect Money Decisions
I spend a lot of time looking at possibilities of how our future may develop and second-guessing some of the decisions we made along the way. It is not uncommon for me to spend hours discussing and analyzing the potential outcomes of each decision with my wife. Thankfully, she is patient and receptive of these […]