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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

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.

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

What Was Your Lowest Point Financially?

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Have you ever been in so much financial trouble that you thought – this is rock bottom? Personal finance is not easy and most of us have been through a few tough situations. I think that’s how people discover personal finance blogs. They get in trouble financially and want to turn things around. When you’re […] Read More

Should I Work Longer to Increase My Pension?

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Earlier this month, Mrs. RB40 (my wife) came home from work in a huff and gave everyone a hard time. Turns out, her boss is leaving soon and her job will most likely change. She really enjoys her current job so this upcoming change unsettled her. Luckily, we already achieved financial independence so she has […] Read More

Why I Still Don’t Buy Overpriced Coffee

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It’s been a long while since I wrote about coffee so here is an update. In 2012, I was a financially independent millionaire and I refused to buy overpriced coffee. I didn’t need to because my old workplace offered free coffee as overtime pay for their overworked engineers. Great deal for the company! Now, I’m […] Read More

What Legacy Are You Leaving to Your Children?

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Are you planning to leave a legacy to your children? I haven’t thought of it that much because this is a deeply unpleasant subject. It ranks up there with long term care and life insurance. Nobody wants to think about what happens when you get old and die. Normally, I prefer to write about the […] Read More

The Downside of Financial Independence

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I’m a huge fan of Financial Independence. It’s the pinnacle of personal finance achievement and everyone should at least learn about the concept. Of course, it’s even better to pursue financial independence and then achieving it. We reached financial independence in 2012 and I retired from my engineering career soon after. My life improved so […] Read More

April 2018 Goals and Financial Update

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Hey everyone, how was your month of April? It flew by for us. The weather finally improved in Portland and activities picked up for us. RB40Jr started spring soccer and he enjoyed it for the most part. The soccer spring season is pretty relaxed. They play a game every week with no practices. I’m the […] Read More