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Frugality or deprivation?

April 1, 2018January 16, 2019 / salaryoptional / 1 Comment

When I got married, my wife had just graduated with a degree in HR. I was completing an internship between my sophomore and junior years. We were broke. We had a little bit of debt and still needed to pay for school. On our honeymoon we packed a cooler full of soda, ham sandwiches, and … Continue reading Frugality or deprivation?

March Madness and Financial Independence

March 30, 2018March 30, 2018 / salaryoptional / 1 Comment

I'm a huge basketball fan. Prior to self-employment, March Madness usually involved me trying to discretely follow tournament games while at the office. In 2016, I told myself that next year I'd take two vacation days to watch the opening round of March Madness. I pursued self-employment in summer 2016, but I made sure to … Continue reading March Madness and Financial Independence

When to stop saving and start investing

January 14, 2018June 10, 2019 / salaryoptional / Leave a comment

I've said before that I've always been a saver, but only recently I've started become an investor outside of retirement accounts (IRAs and 401ks). Saving and investing are often used interchangeably, but I get a lot of questions from inexperienced investors on how the two should fit into their lives. Whether or not you hope … Continue reading When to stop saving and start investing

The 4% Rule

September 4, 2017December 27, 2019 / salaryoptional / 5 Comments

If you're ever thinking of retiring, you should familiarize with the 4% rule. The basics of the 4% rule: when you "retire", calculate what's 4% of your nest egg*¹, and withdraw no more than this amount annually (adjust/increase each year for inflation), and your nest egg will*² never be depleted throughout your retirement*³. Why 4%? … Continue reading The 4% Rule

Setting Goals

August 28, 2017June 10, 2019 / salaryoptional / Leave a comment

Throughout this blog, I will talk and focus on retirement and financial independence (FI).  I will use these terms interchangeably, so I must define them. Retirement and FI are reached when a salary, wage, or work becomes optional to live the rest of your life.  I fully intend to continue making money and working as … Continue reading Setting Goals

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