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How to Avoid Overspending and Overeating

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Money and food. Overspending and overeating. It’s a complicated relationship. Researchers have found that people who have a spending problem are more likely to overeat, too. Do you have one or both of these problems? Just one of them is a difficult obstacle already. Having two of these problems at the same time can really […] 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.

Do you like Retire by 40’s new logo?

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Hey Everyone, We’re taking a break from personal finance today to talk about Retire by 40’s minor redesign. Do you like our new logo? I have been planning to redesign the site for a few years already. But there were always other things higher on the priority list. Yes, I’m still overwhelmed with things to […] Read More

How Early Retirement Impacts Social Security Benefits

{ 101 comments } How early retirement impacts social security benefits

I originally wrote this piece in 2012 to figure out how early retirement impacts Social Security benefits. A lot has happened since then. I retired from my engineering career to become a stay-at-home dad/blogger. My income dropped quite a bit, but my happiness increased tremendously. After 6 years, I’m very happy that I retired early […] Read More

Do you need Financial Independence to Retire Early?

{ 103 comments } Do you need financial independence to retire early? FIRE

Ahh… early retirement. We all dream about it, but only a few can pull it off. Early retirement is a difficult challenge, financially and mentally. How does someone even retire early? Most workers barely save any money for retirement. They’ll be lucky to retire at 65. Well, the answer is Financial Independence. That’s when your […] Read More

September 2018 Goals and Financial Update

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Autumn is here! The weather is cooler and the leaves are starting to fall. This is a great time of the year in the Pacific Northwest. We finally get some relief from the hot summer days and forest fires. School has started and the kids are all busy with various activities. And we have the […] Read More

Why I Gave Up My Engineering Career

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A while back, I received an email from a reader who is going back to school for an engineering degree. He asked me to write a detailed post on why I gave up my engineering career. Engineering is a great field to get into. These STEM (Science, Technology, Engineering, and Math) careers pay well and the […] Read More

Facing Adversity In Early Retirement

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This one is going to be a little darker than usual. I’m an upbeat guy and I tend to write positive uplifting blog posts. For example, I recently asked Can You Become A Millionaire? The answer is, of course you can. You just need to have a positive mindset and work persistently to achieve it. […] Read More

How Much Money Do You Need To Feel Wealthy?

{ 160 comments } How much money do you need to feel wealthy?

Last time, I asked – Can YOU become a millionaire? Incredibly, 95% of voters picked yes. That’s awesome, I love it! It really isn’t that hard to become a millionaire in the U.S. if you make at least a median household income of $60,000/year. You just have to commit to saving and you’ll get there. […] Read More