Category: Financial Independence

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Why Trying to Quit My Job (Sort of) Made It Better

It’s been almost exactly 18 months since I quit my job and watched the last corporate world elevator close behind me.

Reflecting on that time, it’s clear that my best career years—those defined by rewarding assignments, autonomy, increased paid time off, and better work/life balance—all came after I knew I was going to leave. Weird, huh?

How can we explain this paradox, and do we even need the drastic measures of financial independence to improve our work life?

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Six Important Reasons Not to Retire Early

When I first discovered financial independence, the thought to retire in my 30s warmed my soul like a batch of hot stew on a late February night. If I could rely on the wondrous and fantastic powers of compound growth to build a bitchin’ snowball of money, I’d never need to work again.

And it was never about the money. It was about the life. I yearned for a life spent in pursuit of passion, surrounded by a vibrant and meaningful community, with copious time to immerse in nature, climb, travel, and most importantly…sleep. The rigid and mechanical pipeline of school to work was cracked and beginning to leak.

So, what’s not to love?

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The Long Approach to Being Scared of Investing

The long approach mentality is required to last as an investor. But first a story:

Everybodddy…! Yeahhh-ahhh! Rock your bodddyyy! Yeahhh-ahhh!

These were the lyrics absolutely shaking the walls of the Mercat de l’Olivar fish market in Palma, Mallorca as the mid-day closing time approached. The vendors were busy packing up product, mopping, and wiping down metal countertops in a cool and expansive room, rich with the briny, iodine smells of the sea and the thumping sounds of late-90s Backstreet Boys hits.

And oddly enough, hearing a 1997 boy band hit in 2019 left me thinking about staying power and the long approach. Tell em, boys.

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The Bold And Beautiful Roth Conversion Ladder

Hi. Good morning. How are you? I’m excited this week to bring you a much more in-depth analysis of the Roth Conversion Ladder, a method used to spend retirement money early without penalty and with little to no tax burden. I’ve already talked about this method here, here, and here, but I decided this very important topic needed its own special post.

Changing subjects momentarily, I get a real kick out of directly translating ridiculous American expressions in other languages. For instance, when in a German grocery store in 2018, I suddenly wondered if German lovers addressed each other as honig, the German word for honey.

Honig! I’m home!

See, isn’t that fun?

This week we will investigate the intricate web of methods designed to spend the money you’ve saved. It’s not all milch und honig.

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Six Lessons From a Year Without a Job

I almost didn’t write this post. It’s been such a strange and bizarre year that I didn’t at first consider it representative of the typical “early retirement” experience. Upon further reflection, however, I realized that life—just like those “irregular” regular one-off expenses—is typically atypical. It’s still life, just without a job.

With so much information about self-care, wellness, early retirement, and a life-by-design, I’ve had a lot of time to sift through the noise. And shockingly, perhaps I don’t recommend retiring early.

Here are some lessons from one year without a job…

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