Two people. Same salary. Same savings rate. One starts at 25, one at 30. The gap at 45 will surprise you. Adjust the sliders to run your own numbers: starting salary $75,000 savings rate 25% start at 25 → age 45 — start at 30 → age 45 — savings rate: 25% starting salary: $75,000… Continue reading FIRE: Why Starting Early Is Everything
Financial Independence
The Power of Time: What 5 Years Can Accomplish
***Updated May 19, 2026*** When I first joined my company as employee #3, we had pipe dreams for the future of our business: Boy, were we dreqaming! Absolutely none of that happened. As an entrepreneur, it’s very easy to dream up a rosy future. Your imagination runs wild, and you dream of building something bigger… Continue reading The Power of Time: What 5 Years Can Accomplish
You Don’t Need Multiple Income Streams to Build Wealth
You Only Need One Income Stream. Just ONE. **Updated April 24, 2026** Yep that’s right. I said it. You only need the ONE. And don’t get me wrong. I’m not against multiple income streams. In fact, I built my entire career with a side hustle that grew into a full-time job, followed by another side… Continue reading You Don’t Need Multiple Income Streams to Build Wealth
The Mansion Next Door
Our neighborhood is fairly new…it’s one of those built by a national homebuilder with multiple price points in mind. There are entry-level homes, mid-tier homes, upper-tier homes, and mansions…yes, mansions. Each type has its own subdivision within the development, and it was clearly developed with buyers from all walks of life in mind. I was… Continue reading The Mansion Next Door
Rebalancing your Portfolio with an Asset Allocation Spreadsheet
NOTE: This is not investing advice, nor should be taken as such. The Asset Allocation Spreadsheet is simply a tool for DIY rebalancing! After becoming Accidentally Retired, I was fed up with my Financial Advisor and decided to fire him. I was now a DIY investor! But there is one thing that every DIY Investor… Continue reading Rebalancing your Portfolio with an Asset Allocation Spreadsheet
