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I’m Bringing Back Summer Breaks

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Do you remember summer breaks when you were young? I barely remember them anymore. (I’m 44.) They all ran into each other, but I still recall that awesome feeling when school let out. Summer was full of possibilities and I had endless time to do whatever I wanted. That’s the taste of freedom for kids […] Read More

About the author: Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, he hated the corporate BS. He left his engineering career behind to become a stay-at-home dad/blogger at 38. At Retire by 40, Joe focuses on financial independence, early retirement, investing, saving, and passive income.

For 2018, Joe plans to diversify his passive income by investing in US heartland real estate through RealtyShares. He has 3 rental units in Portland and he believes the local market is getting overpriced.

Joe highly recommends Personal Capital for DIY investors. He logs on to Personal Capital almost daily to check his cash flow and net worth. They have many useful tools that will help every investor analyze their portfolio and plan for retirement.

6 Years After Early Retirement Update

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Woohoo! It’s been five 6 years after I retired early and I still love it. Early retirement really came together in year 5 and there haven’t been many changes in year 6. That’s why I’m updating this post instead of writing a new one like I usually do every year. Life has been really good […] Read More

School’s Out – First Grade is Over!

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Actually, it’s the last week of school here in Portland so school isn’t quite over yet. I’m writing this one a bit early because we’ll be in Iceland next week. The kids are so wild this week, though. They are giddy with excitement when they get off the bus. Summer break is all they’re thinking […] Read More

May 2018 Goals and Financial Update

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Hey everyone, did you have a good month? May was a rough month for us. We had two big expenses that blew up our cash flow spreadsheet. Well, it’s not that bad because we have a good cash reserve and our income was outstanding last month. It could have been worse. Other than that, May […] Read More

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Today, I want to share how I write a blog post. Blogging is a big part of my early retirement life and I enjoy it. Frankly, I think all retirees should have at least one long term project that they can work on. Life would be too boring if it’s all about relaxing and doing […] Read More

My Best Advice to New College Grads

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This one is for the new college grads out there. Congratulations! Graduating from college is a huge accomplishment. Now, it’s time to go out there and rock the world! I graduated over 20 years ago and I still remember it well. It was such a feeling of achievement to get through 5 years of engineering […] Read More

Being a Stay-At-Home Dad Is Easy

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I’m going to catch hell for this one, but being a stay-at-home dad is easy peasy lemon squeezy. Some people say I’m not really retired because being a stay at home parent is hard. Other stay at home parents don’t call themselves retired, right? Well, I gotta say, being a stay at home dad is […] Read More

Is Housing Affordability A Problem Where You Live?

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Is housing affordability a problem where you live? It’s a big problem in Portland. Our homeless population is growing and becoming increasingly visible. Portland is not alone, though. Many West Coast cities are experiencing an explosion in homelessness. A lot of this has to do with housing affordability. The West Coast has done very well […] Read More