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Christmas in Thailand 2018

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Hey Everyone, RB40Jr and I are heading off to Thailand for 5 weeks! We’ll spend Christmas and New Year there.  It’s been very cold in Portland and I’m so ready for warmer weather. The temperature is just in the 40s here, but I’m a wimp when it comes to cold weather. Unfortunately, this trip isn’t […] 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 couldn’t stomach the corporate BS.

Joe left his engineering career behind to become a stay-at-home dad/blogger at 38. Today, he blogs about financial independence, early retirement, investing, and living a frugal lifestyle. See how he generates Passive Income here.

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 DIY investors analyze their portfolio and plan for retirement.

Am I Depriving My Family?

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Am I depriving my family of the best (materialistic) things in life? Of course, I am. Do I feel guilty about it? Not at all. Mrs. RB40 and I are both naturally frugal and we don’t feel deprived. For us, financial security is much more important than luxury purchases. We splurge once in a while, […] Read More

November 2018 Goals and Financial Update

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Happy holidays! Is your Christmas tree up? I can’t believe 2018 is coming to a close in just a few weeks. It’s been a whirlwind year for us. Sadly, we’re not putting up our Christmas tree this time. RB40Jr and I are heading off to Thailand for 5 weeks to help my mom find a […] Read More

Work is NOT Optional After Retirement

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What do you think about work after retirement? Lots of people hate that idea. After 6+ years of early retirement, I still get emails and comments saying you’re not retired. These people say, “You’re blogging and your wife is working, therefore you’re not retired.” Sure, they’re entitled to their opinion. I’m used to the criticism […] Read More

Is Saving Money Easier for Some People?

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Is saving money difficult for you? The average American family doesn’t save much. The US personal saving rate was 6.2% in September 2018. That’s not too bad by historical standards, but at this saving rate, FIRE (financial independence/retire early) is way out of reach. You need to save 30-50% of your income to achieve financial […] Read More

{ 60 comments } How to Avoid the Black Friday Frenzy & Enjoy Thanksgiving! thumbnail

Happy Thanksgiving week! Can you believe the Holiday Season is here? Wow, the year is almost over! I hope you already picked up your turkey and it is thawing in the fridge. That’s an easy mistake to make if you never cooked a turkey before. On our first Thanksgiving, we picked up a turkey too […] Read More

{ 63 comments } DIY make your own Kotatsu table

Brr… Winter is here. The overnight temperature plunged into the 30s a few times last week. This seems a bit early to me. Usually, it doesn’t get this cold in Portland until December. The weather is strange this year. It’s been a lot drier than usual. The crisp sunny days are incredible, but this also […] Read More

{ 63 comments } Is Real Estate Crowdfunding Sustainable? RealtyShares Shuts Down thumbnail

There is bad news in the RE crowdfunding world. RealtyShares, one of the leading real estate crowdfunding platforms, has shut down part of their operation. That’s very scary for investors. I’m an investor at RealtyShares and I was a vocal supporter. After all, one of my financial goals this year was to increase my RE […] Read More