Category: Spending

August Update// Mixing The Math and Emotion Of Retirement Planning

Continuing Upward Our chart took another small tick upward this month. Investment values rose .91%. Expenses were very consistent as we spent $30 less than we did last August. Add it up and our assets as a multiple of annual spending improved from 20.2X to 20.6X. As projected earlier in the year, our month to […]

There Is No “Risk-Free” Option

I recently swapped guest posts with Jared Casazza at “Fifth Wheel Physical Therapist”. Jared in turn got a response to my guest post written by Joe Reinke, CFA. Joe’s post critiqued how I manage risk and offered an alternative strategy. I disagree with the premise and conclusions strongly. However, I am happy to share opposing […]

June Update//We Spent 6-Figures On Our Vacation!

Well it was a crazy month for us. We’re going to skip the usual introduction to the update with graphs because nothing much changed. We spent a little bit more than usual which was balanced out by continued investment contributions and gains taking our investment values as a multiple of annual spending from 19.67 down […]

February Update//Movin’ On Up and Random Shout Outs

Well that graph is finally looking better. Our numbers were buoyed by a combination of a big spending reduction as compared to last February and a continued run on stocks sending our asset values on a continued upward trajectory. Last month our assets increased by 3.45%. Simultaneously, our annual expenses dropped by 4.3%. Add it […]

Are We Financially Independent?//Breaking Down the Budget

In our last post, we shared that our annual spending was up approximately $10,000 compared to the previous year. We are pretty anti-budget, and we appreciate having the ability to be flexible with our spending. However, we are even more anti-being ignorant of important stuff. I think knowing where our cash is flowing qualifies. Our […]

November Update

Slow and Steady The chart is trending up for a second consecutive month.  The markets were a mixed bag with domestic equities up a bit while bonds and international funds fell.  We continue to plow in large contributions pushing our asset values up a respectable 1.36% for the month.  Overall our assets as a multiple of […]

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