early retirement

Is it easier to Retire Early if you’re married?

08.27.2014
Is it easier to Retire Early if you’re married? or single?

Last week, I got one of those emails arguing that I can’t be retired if Mrs. RB40 is still working. Well, I’m not fully retired, but it’s not because my wife is working. The blog takes a lot of work, so I consider myself semi-retired, which I think is the best way to retire. Most people like to work a little bit so they feel productive. Not working at all is just too idle time. From what I read, many retirees have a hard time transitioning to a completely unstructured schedule and this can lead to depression. Anyway, I’d like […]

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Early Retirement Myths Busted

08.22.2014
Early Retirement Myths Busted

Oh man, I am worn out. This summer has been hectic for the RB40 household. We traveled to Hawaii, camped at the beach, and took a road trip to Boise. We also kept getting sick for some reason. It seems like we’ve been sick for over a month now. We all had a cold and it went round and round. Mrs. RB40 just got diagnosed with shingles and won’t recover completely for another few weeks! And this morning, RB40 Jr.’s back broke out in itchy hives. Oh no! We dodged a bullet on that one, though. The hives disappeared about […]

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Passive Income Made Easier

08.15.2014
Passive Income Made Easier

Last time, we talked about how difficult it is to retire early via passive income. In fact, it is probably impossible for regular people who regularly save 10-15% of their salary. That’s not nearly enough to generate the passive income to sustain their lifestyle. The comments on the previous articles are also great and help distilled why it is so difficult to retire with passive income.  Let’s do a quick recap on the most important points. The return on investment is low. Dividend stocks, bonds, CDs, and other financial instruments return 1% to 5% on investment. You’d need a huge […]

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Financial Planning for the Masses: My Session with Personal Capital

08.01.2014
Personal Capital review financial planning

I know I wrote about Personal Capital quite a few times recently, but I’m really excited with their services. They are bringing financial planning to the masses through their website. I think this will help many regular people who are unsure about financial advisors to understand financial planning better. The main website and portfolio analysis tools are free which is awesome for most of us. Personal Capital generates revenue by charging a fee if you sign on with their investment management services. Financial Planning Session Last week, I had a financial planning session with Michelle, one of Personal Capital’s financial […]

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