Categories
Finance

Early Retirement Health Insurance Options: COBRA & Part-Time Work

Making the switch to part-time at 35 years old with early retirement soon on the horizon meant lots of Health Insurance questions for me. COBRA, ACA, HDHP, HSA, HRA, oh my!

Categories
Psychology

Stages of Financial Independence: Build a Position of Strength

No matter which of the stages of financial independence you’re on, from dependency to abundance, there’s still opportunity to grow.

Categories
Finance

How to Save Money at the Grocery Store: Beyond the Basics

You know the basics of how to save money at the grocery store; this isn’t beans & rice. Be an expert: cut 30-40% more off your grocery bill. We went from $575.80 to $339.85 per month!

Categories
Psychology

Switching from a Salaried Full-Time Career to Work Part-Time

Simply leaving isn’t an option when a career defines and fulfills you. This is the beginning of my experience as a salaried Pharmacist-in-Charge intentionally reducing my hours in pursuit of early retirement.

Categories
Finance Psychology

How to Avoid Lifestyle Creep and My Costly Lesson

How can unmitigated lifestyle creep destory your wealth? A simple decision between two apartments created nearly $52k worth of opportunity cost for me.

Categories
Finance

2019 Budget Review: Our Pre-retirement Annual Spending

A deep analysis of how we—two 35 year olds in a medium cost of living city—spent $40,885 in a year. You’ll find frugal insights which show how we live luxuriously on a FIRE budget in the details.

Categories
Psychology

Cheap vs Frugal: Surprising Differences and Finding Frugality

Frugal vs cheap: what’s the difference? Building frugality focuses on value while cheap fixes short-term issues but creates long-term problems.

Categories
Meta

Meet Jenni

Meet Jenni, who started elementary school dreaming to be an anesthesiologist only to find herself as a debt-ridden pharmacy graduate decades later. It’s the story of a new American Dream.

Categories
Finance

Our Early Retirement Plan During a Pandemic at 35

We worked towards retiring early for a decade and it culminated with a novel coronavirus pandemic just before our 36th birthdays. How’s that working out?

Categories
Meta

Meet Chris

From sleeping in a dining room while starting a business—to living between dirt floors and tin roofs while finding a fulfilling life exploding with independence—this is how it happened.