Discipline

Recently I’ve been buying used hardcover copies of books that I’ve loved over time.  I’ve been re-reading many that I read when I was a teenager, because I probably didn’t read them as critically as I would today.  Last week, I re-read the Jurassic Park books, and I came across one of Ian Malcom’s many… Continue reading Discipline

Buying Back Four Years – I Refinance Again

Back in January I laid out my financial goals for 2019.  One of my major goals was to get my mortgage down below $350k, and ultimately set myself on a path to start paying more principal than interest on the loan.  Had I done nothing, I wouldn’t be paying more in principal until 2027.  Had… Continue reading Buying Back Four Years – I Refinance Again

Setbacks and Leaps Forward

Oh the joys of owning a home! In my 40.5 check in post I mentioned how our pool liner had failed and needed to be replaced.  This was an expected, but still surprising $4200 setback that wiped out my “Oh shit the ____ is broken” fund.   I’m sitting on my deck watching the pool fill… Continue reading Setbacks and Leaps Forward

Checking in at 40.5

Back in January I laid out my financial goals for 2019.  Since then, I’ve reached some goals, I’ve questioned others, I’ve completed a major home renovation, and had a mid-range setback.  I’ve also been mulling over net worth and whether I like it as a success indicator, but we’ll get to that at the end.… Continue reading Checking in at 40.5

Why Blogs are Such Great Passive Income

A little while ago I wrote about how my smart home hobby turned profitable when my other blog, SmartHomeReviewer.com started making money. After posting it, I spent some time deep in thought about investments and passive income.  I wanted to know how I could find other ways to create passive income streams that spun off… Continue reading Why Blogs are Such Great Passive Income

The Side Hustle – My Hobby Turns Profitable

In late 2013 my wife and I moved into our house during an especially cold Fall.  We’d just upgraded from a small condo to a large house, and we were officially house poor.  By hilarious coincidence, our closing date was just three days before we were scheduled to leave for a non-refundable Dominican Republic vacation… Continue reading The Side Hustle – My Hobby Turns Profitable

I Just Cost Myself Four Years…

My family has grown since I started this journey to financial independence.  Thankfully my salary has grown along with it, and my debts have shrunk.  During this time, my house has remained the same size.  Don’t get me wrong, our house is large enough for both kids to have their own room, and another bedroom… Continue reading I Just Cost Myself Four Years…

Equal and Opposite Spending

I once worked with a man who came into a large sum of money.  Shortly thereafter, he showed up to work in a brand new Tesla Model S.  It was 2014 and Tesla’s were still very rare, even in New York.  The car was incredibly impressive and people actually lined up to get a look… Continue reading Equal and Opposite Spending

My Financial Goals for 2019

Last year I had but one tiny little financial goal: Pay off the student loans.  We accomplished that goal during our very expensive May 2018 “spending spree” when we sent a lump sum payment of $34,865.80 to our loan servicer, eliminating the last of our college loans for good.  To celebrate that huge financial milestone, we… Continue reading My Financial Goals for 2019