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personal capital free

3 Simple Steps to Save 50% of Your Income

3 Simple Steps to Save 50% of Your Income thumbnail { 27 comments }

Recently, Ernie Zelinsky (How to Retire Happy, Wild, and Free) left us a great comment. I didn’t start saving for my retirement until I was 40 years old. I actually semi-retired at that time too, even though my net worth was minus $30,000 (due to student loans). Yet I will be okay in retirement, in fact, [...]

5 Best Money Moves to Make in Your 40s

5 Best Money Moves to Make in Your 40s thumbnail { 21 comments }

Yes, I know the title of the blog is Retire By 40. However, many of our readers are in their 40s and 50s and they are planning to retire soon. You don’t have to be under 40 to read this blog. Maybe I should rename the blog to Retire between 40 and 55. :) Being [...]

December 2014 Cash Flow and Annual Recap


Ahh… I have a feeling 2015 will be a good year. I’ll have more time to work on the blog because RB40 junior is back at his regular preschool. Our dividend income should continue to increase. We still have some work to do on our duplex, but most of the major repairs are done. All [...]

Having “the Talk” with Your Parents

Having “the Talk” with Your Parents thumbnail { 17 comments }

The following article is from Melanie, our staff writer. Melanie is in the beginning phase of her journey to Financial Freedom and she’ll offer a refreshing point of view for us. Although I’m not a parent, I imagine that being a parent is difficult. It requires a lot of work, patience, as well as a super-human [...]