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early retirement

What Happens When Your Wife Earns More Than You?


Did you know that 4 out of 10 wives earn more than their husbands? I had no idea. I thought our family was just a small minority. However, female breadwinners are a growing trend and all of us will have to adjust to the new reality. Changes can be difficult especially when it comes to traditional gender [...]

Updated Joe’s 7 Phases of Retirement

{ 26 comments } Updated Joe’s 7 Phases of Retirement thumbnail

I wrote The 7 Phases of Retirement about 2 years ago and it was a great exercise. The idea is that we shouldn’t think of retirement like jumping off a cliff. Retirement would be much easier when we take it in phases, a step at a time. This way we can gradually work toward full [...]

{ 25 comments } Build A Roth IRA Conversion Ladder to Minimize Taxes in Early Retirement thumbnail

Nick, one of our readers, is starting a new job and he is planning to roll over his 401k to an IRA at Vanguard. He is thinking about putting everything in Vanguard’s target date fund because they require virtually no maintenance. He can just concentrate on saving as much as possible without having to worry [...]

{ 24 comments } 3 Ways to Avoid Downgrading Your Lifestyle After Retirement thumbnail

Last week, I got an interesting comment on my July cash flow update. “I like how you don’t seem to compromise quality of life for over-frugality!” This comment is interesting because quality of life is so subjective. We spend about $4,500 per month and that’s a very comfortable level for us. However, this level of [...]