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Moving Made Easy With HireAHelper

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We’re done with moving! Thank goodness. We’re exhausted and we can’t lift another box. This move has been a long process. I began moving boxes about 2 weeks ago. Every time I dropped our son off at school, I’d drop a load off at our new home. Then, we hired a mover to move all […] 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.

What if You Always Maxed Out Your 401(k)?

{ 204 comments } What if you max out your 401(k) every year?

What’s the surest way to become a millionaire? I can tell you right now – max out your 401(k) contribution every year. This is the easiest way to build wealth. The problem is you have to start investing young and most of us didn’t know that when we were young. We spent too much money […] Read more

Valentine’s Day Special: A Rom-Com Story

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Happy Valentine’s Day! In honor of this special day, I’ll take a break from personal finance and share some stories instead. Life isn’t all about money, right? Well, I hope you aren’t suckered into spending hundreds of dollars on Valentine’s Day. Save it for next weekend, everything will be much more affordable then. At the […] Read more

Is Your Risk Tolerance Too High?

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Is your risk tolerance too high? This is a tricky question because risk tolerance can change. In my 20s and 30s, I had a high risk tolerance and invested 100% in the stock market. Now that I’m older (and much wealthier than before), I can’t stomach a huge stock market drop anymore. At this point, […] Read more

Is The FIRE Movement a Fad?

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Recently, I read a great blog post at Physician on FIRE – The FIRE Movement is Here to Stay. Leif gave a great overview of the FIRE movement, then went over the current status and the future of the movement. It was a great read. Check it out if you haven’t seen it yet. My […] Read more

January 2019 Goals and Financial Update

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January 2019 is over! Did you do make any progress with your New Year goals? I know it’s early in the year, but we really need to get going. It is much more difficult to make progress once summer begins. I blame my son for that. Once school is out, he’ll be around all the […] Read more

The Pros and Cons of Moving From a Condo to a House

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We’re moving! We are putting our condo on the market and moving to our rental duplex next month. It’s not a huge change because we’re moving just 2 miles away and the size is about the same. However, this is causing all kind of anxiety for Mrs. RB40. She hates moving with a passion. Luckily, […] Read more

Is Long-Term Planning Futile?

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If you work in an office, you’re probably going through the annual review process right now. I’m sorry about that. The annual review was always excruciating for me. Thank goodness I don’t have to deal with that anymore. Personally, the worst part of the process was career planning. The manager would ask where you see […] Read more