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My quick plan for financial independence

January 28, 2019June 10, 2019 / salaryoptional / 4 Comments

My goal for FI is $1.2 mil net worth. I'll call $1.2 mil my "number". My primary residence is excluded from my number, since it doesn't produce cashflow while living in it. I'm also not including any stock we hold from old privately-held employers. I hope we can cash those out someday but have no … Continue reading My quick plan for financial independence

You need to shop harder for a mortgage

November 7, 2018February 27, 2021 / salaryoptional / 1 Comment

WARNING, this post may be more dry than some others... Lots of numbers and graphics... It may not be as entertaining or short as my other posts. But if you apply what I'm saying, it'll likely save you a few thousand dollars the day you sign for your next home purchase... and maybe a little … Continue reading You need to shop harder for a mortgage

Some things I’ve learned about self-employment

February 25, 2018December 12, 2018 / salaryoptional / Leave a comment

In 2011, I enrolled in a real estate agent licensing course. I knew there was a lot of money to be made, but didn't think I would ever give up the security of a regular paycheck with benefits. I was working at Wells Fargo, got a few promotions, and learned about a "conflict of interest" … Continue reading Some things I’ve learned about self-employment

What I wish I knew about money 10 years ago

February 12, 2018December 14, 2020 / salaryoptional / Leave a comment

I'm 31 years old. Still pretty young to consider "retiring" in 5 years, right? Well, if I understood money at age 21 like I do now, I suspect I would be hitting my retirement number in 1-2 years. Reaching financial independence can be simple if you start young. I don't think I made a lot of … Continue reading What I wish I knew about money 10 years ago

A Realtor’s take on Real Estate Investing

January 15, 2018June 25, 2020 / salaryoptional / 4 Comments

I am a Realtor by profession. Most of my business is in helping people buy and sell a primary residence. I work with a few investors and a few companies with their commercial office spaces. When I talk about "investing" or personal finance, a lot of friends and associates immediately think I'm pushing product and … Continue reading A Realtor’s take on Real Estate Investing

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