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5 Years Blog Anniversary


I can’t believe it’s been 5 years since I started blogging! It was tough to juggle full time work, a baby, and a blog over the first two years. However, the last 3 years really flew by since I left my job. Wow, what can I say? English was one of my weaker subjects in school. I have always done better in math and science classes. It goes to show you that anything is possible. I think the biggest lesson I learned from this experience is that you can get better at anything. I’m a much better writer now than I was 5 years ago and I still have a lot of room to grow. I can’t thank you enough for your support. I really appreciate every reader and your encouragement helps me keep blogging.

5 years ago…

Wow, a lot has changed. Back then, I was an engineer at Intel and I was going through a difficult period in my life. My job wasn’t the right fit anymore and it caused a lot of unhappiness. I knew I had to get out of there, but I wasn’t sure how. At first, I thought I could change companies or job position and keep on being an engineer. But then, I started reading a lot of personal finance blogs and an alternative idea formed in my mind. Would it be possible to quit engineering? That’s when I thought I’d try blogging and see where it goes. I figured it would be interesting to share my journey with everyone. Hey, if it didn’t work out, I could always find another corporate job.

Luckily, this stay at home dad/blogger lifestyle is working out very well. Today, I have a lot more time to spend with RB40Jr. and I love my life. I wouldn’t have been able to get to know my son as well if I kept working full time. This blog was a huge catalyst and it transformed my life.

The next 5 years…

Can I keep blogging for 5 more years? I don’t know, but I hope so. Someday, it feels like I have written about every personal finance topic already. Let’s face it, the struggle to retire early is a much more compelling story than being a stay at home dad. Luckily, our challenges are not quite over yet. Now Mrs. RB40 is trying to retire by 2020. She saw how much my life has improved and she wants to follow her own agenda, too. She used to be a workaholic so I thought she’d keep working, but I was wrong and so was she. We’re not quite ready for her to quit her job yet, but I think we can do it by 2020. Follow us and see if she can retire early, too.

Blog Growth

Blogging was tough in the beginning. We had just a few readers and growth was slow. Who in their right mind would retire this early anyway? Fortunately, it seems the early retirement movement is gaining momentum. More and more workers are looking for an alternative to retiring at 65. Not everyone wants to follow the beaten path. I’m sure everyone dream about early retirement sooner or later and Google led many of those people to us.

Let’s see some data from Google Analytics.

5 years blog anniversary

Users (readers): 1,762,742

Pageviews: 4,619,491

That’s mindboggling! I haven’t paid attention to the pageviews in a long time. We are almost at 5 million views. And we had more readers than some small (tiny) countries! More people visited Retire by 40 than the population of Guinea-Bissau. Let’s see if we can surpass Latvia next year.

Actually, the growth has flattened out over the past year. I haven’t put as much effort into growing the blog and it shows. I will probably have to wait until RB40Jr. starts kindergarten to put any kind of serious effort into more growth. Being a dad is the higher priority right now.

Apple Watch Giveaway!

As a thank you to everyone, I’m giving away an Apple Watch Sport! Actually, I received this as a prize from Personal Capital. They released their retirement calculator in June and quite a few people signed up through Retire by 40. I thought I’d give this prize back to the community. Also, I don’t have an iPhone to pair the Apple Watch with. 🙂

All you need to do is leave a comment and enter via rafflecopter below. Perhaps you can suggest a topic you’d like to read at Retire by 40. The prize is the Apple Watch Sport with a blue band.

Lastly, if you haven’t tried Personal Capital, check them out. The retirement calculator is amazing and it’s great to see your net worth in real time.

Good luck everyone and thanks again for your support!
a Rafflecopter giveaway

The following two tabs change content below.
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, the job became too stressful and Joe retired from his engineering career to become a stay-at-home dad/blogger at 38. Today, he blogs about financial independence, early retirement, investing, and living a frugal lifestyle.

Passive income is the key to early retirement. This year, Joe is increasing his investment in real estate with CrowdStreet. He can invest in projects across the U.S. and diversify his real estate portfolio. There are many interesting projects available so sign up and check them out.

Joe also 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.

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{ 237 comments… add one }
  • Martin Stone September 9, 2016, 10:11 pm

    I have been reading your blog for only the past 3 months or so. I find all your articles compelling and yes I am retired but RB52 doesn’t have the same ring to it! However, reading your thoughts did start me on my blogging journey.

    Good luck with future growth. I understand the early retirement trend is growing in many high tech parts of the country.


  • Rid February 13, 2016, 5:06 pm

    Congratulations Joe! Well done!

  • Dolores Brauer October 26, 2015, 10:20 am

    Cheers to you and your family for celebrating 5 years of success! I have really enjoyed your personal touch emails as well as your willingness to share your monthly income and expense reports. You’re an inspiration to all of us who are seeking ways to increase our income, pay down debt and enjoy a life outside of the “groundhog day” grind. Thank you!

  • Teresa October 19, 2015, 5:30 pm

    You were the first blog that I started following and I have learned much. I feel that I may not retire early, but more comfortably because of the thoughts and comments by this community. Thank you Joe for being brave enough to champion this for us.

  • Teresa October 17, 2015, 7:27 pm

    Would love to see a blog on how you are planning to handle education costs….public school, home school, private school etc???

  • Harp October 17, 2015, 5:13 pm

    Best of luck on the next 5 years.

  • The Professor October 17, 2015, 5:08 pm

    Congrats on 5 years. I have a topic I’d like you to weigh in on. I’m one of those people that have a pension coming. How would you put a value on a pension? For example, if you have say $50k a year coming is that the same as someone who has a million with a 5% return? If so, then technically it would make me a millionaire..haha. (Hmm..not feeling like that though.)

  • KG October 17, 2015, 6:41 am

    Congratulations on your 5 year anniversary. I just stumbled upon your site a few weeks ago.Leaving a comment for the first time.I am in the very same boat (age and engineering profession though I have two kids and net worth is a lot less than yours) but not yet ready to cut off the ties with my job.Lot of early retirees do not have children. Would be interesting to follow your journey (esp as RB40Jr gets older) and some other bloggers journey who have kids and decided to retire early.
    Congrats and wish you the very best.

  • Nguyen October 17, 2015, 12:09 am

    Congratulations! I would like to read more about investing. Thanks.

  • F Kobayashi October 16, 2015, 9:04 pm

    Congrats on 5 years Joe. Coincidentally I started my first real job and reading your blog about 5 years ago as well. Your journey to retirement is one of the motivating factors for me to move more and more of my income into tax-advantaged retirement accounts. I can only hope they do well enough that I can semi-retire at 40something as well (or at least give me the option if I no longer enjoy my job).

    Topic Ideas: I always enjoy reading about you and the mrs. stories reminiscing about when you started your careers and what you did right/what you would do different knowing what you know now (finance or non-finance advice, I’d appreciate either).

  • Michael P October 16, 2015, 6:41 pm

    Congrats on 5 years and here is to 5 more (that’s gets you to 2020 so you can retire) 🙂

    how do you plan to handle health care cost?

  • Ming October 16, 2015, 6:11 pm

    Congratulations! 😀

    I want to read about health insurance.

  • Jenny October 16, 2015, 3:26 pm

    Congrats! I appreciate how frequently and consistently you blog! Very motivating.

    As for a topic idea: I always like to see reader case studies.

  • Mike October 16, 2015, 2:39 pm

    It’s amazing to see a blogger keeping up for so long! Congrats Joe!

  • David D October 16, 2015, 12:13 pm

    Thanks for the offer, congrats on the anniversary, and the great content.

    I’d like to see more postings about work life balance. Aside from the blog and junior, is there regular free time? How is it managed? My family struggles with this.

  • aB October 16, 2015, 11:38 am

    Enjoy your posts regarding RB40 Jr. as I have one of similar age.
    How you will go about teaching him personal finance, and how you deal with finances related to him are of main interest to me.

    Thanks for all the information, and hope you have many more 5x year anniversaries.

  • Thuy October 16, 2015, 9:51 am

    Congrats! Your journey has inspired me to reach for financial independence as well. I would love to hear how Mrs. RB40 first reacted to FIRE. My husband is hesitant. He likes working and is not sure what he will do after retirement.

  • Cynthia Richardson October 16, 2015, 9:29 am

    I really enjoy your updates on RB40, Jr. and am curious how you plan to introduce him to money (i.e. allowance, spending, saving, donating, etc.). Congratulations on your milestone!

  • Kim October 16, 2015, 9:02 am

    Congrats on five years. I always enjoy reading about your rental properties and plans for after Mrs. RB40 retires.

  • Lorraine October 15, 2015, 8:00 pm

    Congratulations! I enjoy reading your blog.

  • Kelly October 15, 2015, 7:50 pm

    Love your blog! I find it very motivating. I was wondering have you tried any shorter term investing or even day trading.

  • MiQe October 15, 2015, 6:37 pm

    Joe, Thank you so much for all of the insight over the past couple of years, and also thank you for the Personal Capital recommendation, it has been invaluable! I would love to hear slightly more about investing strategies on your blog but really I can’t say too much more in terms of what you should change – it is really insightful writing.

  • Carolyn October 15, 2015, 5:54 pm

    Congratulations on the milestone! I’d like to read some more about how to encourage people to save for retirement. I have a few friends who I have been nagging, but nothing seems to work!

  • DivGuy October 15, 2015, 11:37 am

    Wow, congrats! Everytime I read about these anniversaries, I feel like a dinosaur! I remember that time… I dedicated myself to The Financial Blogger back then and was making good money from advertising! Boy it sure changed! 😉

    I’m glad to be more focus on my retire early and financially independent goals. You sure helped the inspiration! 😉

    Keep it up,


  • Mugizi Rwebangira October 15, 2015, 4:56 am

    Hi Joe,

    Long time reader, first time commenter. Your blog is really inspiring to a lot of people who are dreaming of being able to quit their jobs partly because I think you have a very relatable “everyman” quality. You seem like a regular guy so it’s easy for us to imagine ourselves in your shoes.

    Here’s one issue I don’t think you’ve addressed: How have you maintained your social network since you’ve retired? Former coworkers, colleagues in the industry, etc. I imagine being a stay at home blogger you don’t get as much time or reason to interact with people as you did before. Obviously being a dad is your first priority, but are you still able to maintain contact with people from your working days?

  • kathurin October 14, 2015, 2:30 pm

    Hi Joe,
    I would like to see the article about gifting stock to save on the capital gains. It is kind of confusing to me on how to go about it. If I understand correctly TradeKing does not handle this type of transfer…

  • Ranjeet October 14, 2015, 2:15 pm

    How about Retiring with a parttime Sport – like earn by playing Golf??

  • Travis October 14, 2015, 1:45 pm

    I really enjoy reading your blog updates. It is very inspiring to see someone so open about their finances. I wish there was an anonymous sharing site where people could submit their stats like age, income, retirement portfolio value so we could compare ourselves to our peers.

  • evelyn October 14, 2015, 10:23 am

    I enjoy your blog a great deal. Congrats on the Anniversary!

  • Michael October 14, 2015, 8:41 am

    I like to see ideas on getting kids involved with and learning about money. Money was a subject seldom broached in my family when I was growing up. I stumbled around in the dark for years before seeing the light. I was still able to retire early, but things could have always been better.

  • Nick October 14, 2015, 7:15 am

    Happy 5 year Joe! Love the blog!


  • Isabelle October 14, 2015, 6:07 am

    Congrats on your 5 yrs anniversary! I’ve been following you for about a year, and I am grateful for all the content you share! We started a little late on the retirement investing, and I can’t get enough of infos about Roth IRAs, rental properties and college money for our kids!

  • Logan October 14, 2015, 5:36 am

    Happy Anniversary!!!!

    I love reading about your financial growth and would make to hear if you plan to add more real estate to your investments.

  • Tyler October 14, 2015, 4:52 am

    I think it’s awesome that you have blogged for so long I’m starting my own soon and hope to have a portion of the success you have.

  • Christine October 14, 2015, 4:30 am

    me me me!

  • Carolyn Guzman October 14, 2015, 2:46 am

    Congrats on this big milestone! I’ve been readin for years and my finances have come a long way and I fell in love with Personal Capital as well. I would like to read more about the upcoming expenses of school and the far off expenses like college for children.

  • Chris Landry October 14, 2015, 12:30 am

    Happy Bloggaversary Joe! Here’s to many more years ahead!

  • Jimmie Maggard October 13, 2015, 11:06 pm

    Grats on the five year. Been following for over a year as it’s inspired me to think about early retirement or at least go part time so I can focus on things I want to do and enjoy.

    Still trying to find the right mix for my roth and my taxable account. Easy to look at someone elses’, but when it’s my own, it’s scary.

  • Ilana Signer October 13, 2015, 8:00 pm

    Congratulations on the five year anniversary! I’m not sure if you’ve covered this before, but it would be great if you covered saving for a larger project during retirement. Things that come to mind are a big/long trip or even kid’s college.


  • Lisa October 13, 2015, 7:56 pm

    Thanks for the great blog. We love reading it.

  • Kimberly October 13, 2015, 7:47 pm

    Enjoy your blog. I would like to read more about your rental properties and the tax implications of rental property.

  • Dixie October 13, 2015, 7:39 pm

    Congrats on 5 years! Blogging with that much perseverance is certainly an accomplishment. Keep it up!

  • Cherilyn P October 13, 2015, 7:21 pm

    Hi Joe,
    I am starting out very late in the game. I am not going to retire early, but I am learning a lot from your content. I am a single parent who would like to retire at least by 65, mortgage free. I’m diligently saving my earnings, and learning from good resources like your blog.

  • Tara October 13, 2015, 5:05 pm

    I love reading about travel and kids! Great blog!

  • Lance Cothern October 13, 2015, 3:08 pm

    Congrats on 5 years! That is quite the feat for a blogger 🙂 What do I want to read more about? Personally, I like a lot of what you already write about. Keep it up and I’ll keep reading 🙂 Hope to see you at FinCon16!

  • Austin October 13, 2015, 2:56 pm

    Oh boy, you should show that blog growth graph to the people who consider blogging a passive income source! LOL

    I’d like to see some posts on how personal finance has changed your political views, if at all. I know it can be a touchy subject but just in general terms, has mastering your household budget made you more or less critical of government budgets? Perhaps a post on the similarities and differences between household debt and government debt?

    Congrats on 5 years of blogging, Joe!

  • Amanda Sakovitz October 13, 2015, 2:21 pm

    How much to save up each week for retirement.

  • Retired at 55 October 13, 2015, 2:18 pm

    Congrats on your 5th anniversary! I have enjoyed your blogs and find your life quite inspiring! Life is too short to work all the time! Thanks for all your great ideas!

  • Kathurin October 13, 2015, 2:17 pm

    Happy 5 year anniversary!! Joe. I learn so much from your web site. Thanks again.

  • J October 13, 2015, 1:36 pm

    Great site and congrats on 5 years!!!

  • Pat B. October 13, 2015, 1:21 pm

    Happy Blogoversary. I retired myself 18 months ago at 50, and your blog has been a great wealth of information for me. Keep up the great blogs.

  • Peter Cameron October 13, 2015, 1:13 pm

    Way to go Joe! Love your blog!

  • Helen October 13, 2015, 12:54 pm

    Happy Anniversary! You were the first early retirement blog that I stumbled across and two years later, I can almost see the light at the end of the tunnel. Thank you!

  • Franz B. October 13, 2015, 12:41 pm

    Happy Anniversary! I have a son the same age as yours and love seeing the things you do together. I can’t wait until I can move from engineering life to retired/self employed so I can spend more time with my kids. Thanks for all you work.

  • Katrina October 13, 2015, 12:35 pm

    Congratulations! 5 years out of the rat race! 🙂

  • Denise October 13, 2015, 12:27 pm

    I really enjoy the blog. I also have the untraditional setup that I am the breadwinner and my husband is a stay at home Dad of our 2 year old daughter. I have a goal of semi-retiring in 15 years (I will be 55) and this blog helps immensely to push me towars that goal. Thanks!

  • Albert Lin October 13, 2015, 12:03 pm

    Happy anniversary!

  • Heather October 13, 2015, 11:47 am

    Congrats on the first 5 year! Hope you can talk more about diverse passive income types in addition to rental income!

  • Clancy October 13, 2015, 11:46 am

    Congratulations! I enjoy reading your blog and have learned quite a lot about the possibility of early retirement. Thanks for your information and thoughtful writing style.

  • Ian Donlon October 13, 2015, 11:33 am

    This is a good blog. I especially like hearing about life in Portland because that’s where I am. Being ER is the best thing ever. Freedom or money? To me it is a no brainer.

  • YV October 13, 2015, 11:10 am

    Congrats on the anniversary! Personally, I would love to know more tips regarding budgeting and food. Having some trouble with that myself…

  • Robi October 13, 2015, 11:09 am

    I’ve been following your posts for about 3 of the 5 years. Thank you for entertaining and educating me. I’m working towards my own financial independence here in Portland. Thanks for the motivation!

    I think sometime it might help to post a blog about the very basics of personal finance, including a simple outline of do’s and don’ts with regards to paying off debt and saving/investing.

    Thanks again!

    (Portland, OR)

  • Sam Z October 13, 2015, 10:58 am

    Congrats on the blogiversary! Just mulling the idea of starting a blog now and I can’t even imagine keeping it up for five years. Super impressive!

  • Mysticaltyger October 13, 2015, 10:55 am

    FYI, it’s “5 Year Blog Anniversary” not “5 Years…”

  • Rhonda October 13, 2015, 10:48 am

    Congrats on 5 years! Your blog is an inspiration to continue saving as much as possible so I too can enjoy an early retirement. It’s also been a great blog to send my friends to who have stated they will be working for many years since they didn’t save when they were younger (in their mid 40s now).

  • Chris Williams October 13, 2015, 10:47 am

    Wow, congratulations on the 5-year anniversary. I can’t seem to find the time to keep my own blog updated for any period of time, let alone five years!

    I’d like to see more articles going into more depth about your income property strategies. I purchased a duplex as my first home to let someone else help pay my mortgage and live in a nice area, but haven’t really done any in depth studying on picking properties, determining when to sell, etc.

  • Margie October 13, 2015, 10:41 am

    Congratulations on your 5 year anniversary! I would like to read more about how your building your passive income and what you invest in.

  • Kris October 13, 2015, 10:40 am

    Congrats! I love reading your updates. A post on motif would be great. Also I’m trying to decide to roll over my 401ks into my current employer

  • Old School October 13, 2015, 10:39 am

    Congrats dude! I’m coming up on 1.5 years and it’s tough to keep going but you are doing great. I’ve been reading for about 2 years and would love you to commit to and write about an exercise plan! I know you can do it and as a p.e. teacher I would love for you to strive towards lifelong fitness.

    *if the gym isn’t an option then get p90x…it only takes an hour a day and really works!

  • Don October 13, 2015, 10:30 am

    Great website…

  • Larry October 13, 2015, 10:29 am

    Thank you Joe for teaching us and giving us hope that we can retire some day. I look forward to the next 5 years.

  • Ryan October 13, 2015, 10:28 am

    Congratulations Joe!! I just started reading your blog last week and I must say that I have been inspired by your example. It is much easier to do something when we know that someone else has done it before and for that I thank you.

    I’m just starting my path to retirement as I finished my undergrad about 2 years ago, but I hope that I can follow your example of frugality and take my financial future in my own hands.

    Thanks again and best of luck to you and your family!

  • John October 13, 2015, 10:17 am

    Great website and great content! Keep up the good work!

  • Roseanne October 13, 2015, 10:17 am

    Hi Joe – I enjoy reading your blog so much. While I probably won’t be able to retire early, I have taken some of your lessons and applied them for myself. I have a p2p account that is earning 13%+ and I am building my dividend income monthly. I will have a lot more money to throw at that once the mortgage is paid off this year. I am planning on using a link from your website to open up a brokerage account. Maybe it you would, write on how one should go about picking one? Is it okay to transfer over bi-weekly amounts or save them for a monthly purchase? Thanks again!

  • Tina Zman October 13, 2015, 9:55 am

    Happy 5th! I am nearly two years out from retirement, and your columns about how Mrs. RB40 deals with a retired spouse are always fun to read for me. My younger husband is supportive of my desire to retire, but I’m worried about what his family is going to say. It would be great to read more about comments you get about being the nonworking (meaning no 9 to 5 job) spouse.

  • Vic @ Dad Is Cheap October 13, 2015, 9:41 am

    Congratulations Joe! You are truly an inspiration. I hope to retire my wife before 40, so reading your blog has been a big help in working towards that!

  • Ryan Goosen October 13, 2015, 9:39 am

    Keep up the good work Joe.

  • Cheryl Celebi October 13, 2015, 9:34 am

    Conblogtulations 🙂

  • James October 13, 2015, 9:33 am

    Congratulations. I had a similar situation to yours that contributed to me retiring earlier than I initially planned. I was in information technology and started to have stress induced panic attacks. I didn’t really know at the time what it was just that I couldn’t sleep well and I was super anxious most of the time. Also, my heart rate would accelerate at random times. Finding your blog and a few others gave me the inspiration to dive deeper into my financial situation and really look at the numbers to see if I had enough to retire. I was just shooting for a random 2 million prior to that but it turns out I had a great chance at a good retirement where I was so I took the plunge.

    That was July of 2014 and I am still a happy early retiree. I just manage my investments, my two rental homes and a vacation condo. I went from 60 + to ~5 hour work weeks. I have managed to still grow my net worth by 75k since I retired due to the great real estate market in Denver, investment gains and our continued reasonable spending.

    Thank you for your inspiration and your continued words of wisdom. This remains one of the top sites I follow.

  • Mike October 13, 2015, 9:27 am

    congrats! I’ve been following you for awhile. I’m not sure if I’m going to make it by 40, but that’s my goal and part of what attracted me to your blog. Topics for the future – I like it when you talk about marriage and communicating with spouse and dealing with kids. Also dealing with society and expectations. For me the math and finances are the easy part, it’s the “soft” stuff that is hard.

  • Liz B October 13, 2015, 9:25 am

    Would love to see more articles on how to save for house, emergency fund, etc while paying off student loans. Congrats on five years!

  • Andrew Wong October 13, 2015, 9:17 am

    Congrats! I would love to see articles on what needs to be done to generate a passive income.

  • Laura October 13, 2015, 9:11 am

    Congrats on 5 years! I have been reading this blog for a couple years now and you have great and consistent content!

  • Daniel October 13, 2015, 9:07 am

    Thanks for sharing your journey, very informative and educational!

  • Ernelle October 13, 2015, 8:58 am

    Great site, I love all the information that you provide. Hopefully one day I will be able to retire early.

  • Paul October 13, 2015, 8:56 am

    Great website, I’ve been following you for over a year now but first time commenting (I account for 4 of those users if you they’re tracked by device). I definitely enjoy reading about you and your journey. It would be interesting to do an interview style post on your wife, and have more details on her FI goals, and her thoughts on yours. You could interview your son as well and see what his thoughts are on your FI and your wife’s upcoming FI.

    crossing my fingers for the iwatch 🙂

  • mark clemons October 13, 2015, 8:56 am

    Congrats on 5 years, it’s been great reading your posts and following the journey!

  • Magnus vildhede October 13, 2015, 8:55 am

    Congrats on your first 5 years. I just started reading your blog late last year but it has been a great motivation for me and my wife in our efforts to save for early retirement! Thank you

  • Dave in Sunny FL October 13, 2015, 8:48 am

    Congratulations on your blogaversary! I do have an iPhone and would be thrilled to win a watch. Thanks!

  • Claudia Ey October 13, 2015, 8:45 am


    I just turned 65 this month. I have enjoyed your blog for about a year and a half now, since I found it. You have very human touch on all the articles you write. Enjoy your guest columns also. I recommend your blog to my daughter who is only 38 right now. My husband and I like to discuss your topics a lot.

    Most of the information out there is written by financial analysts and constantly contradicting other sources. So it is great to have somebody with a hands on feeling about real aspects of investing and retirement.

    Thanks again for your blog and much happiness to your family.


  • Riley King October 13, 2015, 8:44 am

    Great giveaway!

  • Ed October 13, 2015, 8:40 am

    Congratulations on your 5 year anniversary! Joe, you are an inspiration!!! I just recently ran into your blog earlier this year and am still going thru the content on your site. I’m also from intel, oregon, working for 18 years, have a small child and planning my early retirement. You offer so much guidance and helpful tools! Thank you for all your awesome posts and providing insights and sharing your goals and challenges. I look forward to reading and learning more from you in the years to come!

  • Mark H October 13, 2015, 8:40 am

    Happy Anniversary. It’s been great to follow along, cheer for you, and to learn for myself along the way.

  • Amy October 13, 2015, 8:39 am

    Congratulations on the anniversary. You are an inspiration.

  • Jeff October 13, 2015, 8:38 am

    Congrats! Been a long time follower and really like the story you share.

  • Stephen Bitner October 13, 2015, 8:37 am

    Happy 5th. I’m shooting for retirement by 50, just 3 years away…

  • Kathy October 13, 2015, 8:35 am

    Congrats on making 5 years and many more to come.

  • Ken October 13, 2015, 8:35 am


  • Dominic @ Gen Y Finance Guy October 13, 2015, 8:34 am

    Congrats on hitting the 5 year mark.

    As a fellow blogger in the personal finance space, I would love to see an article here and there on montetization strategies.

    Here is to the next 5 years.

  • Christine Chen October 13, 2015, 8:33 am

    Hi Joe,
    I am trying to plan for early retirement and really enjoy reading subscriptions to your blog. Love to hear about your family and how you are doing in retirement. Congratulations on your 5 years anniversary! Hopefully I can join you soon in early retirement! Thank you so much for all your effort!

    Loyal reader,

  • Mike October 13, 2015, 8:31 am

    Love your website. Could liquidate now and live quite frugally (and happily, I think), but my wife has other ideas! Oh well.
    Congratulations on 5 years.

  • Thomas Murphy October 13, 2015, 8:31 am

    I want to read about investing in the stock market.

  • John October 13, 2015, 8:31 am

    I am sure I have gone through all your posts during these last few months and I have to say that it is one of the most enlightening blogs out there. I can’t wait to see more, specially I want to see MS.RB40 retiring and how you work it all out.

    Best regards,

  • Bill October 13, 2015, 8:28 am

    I’ve been reading your blog for about a year and love it. As a fellow Oregonian I appreciate hearing about your experiences in Portland!

  • Michael October 13, 2015, 8:28 am

    Thanks for all the work on the blog.

  • Christian October 13, 2015, 8:24 am

    Thanks for all the great content. It’s been very inspirational!

  • Gary October 13, 2015, 8:21 am

    Hi Joe,
    I am following your blog from the beginning. First time that I comment here.
    Would be great to see more stock investing strategies or a case study.
    Thanks for the inspiration and congrats to the 5 years. Keep it up!

  • Anthony October 13, 2015, 8:18 am

    Great prize, so generous!

    In 9 days I’ll have been a email subscriber for a year. I read every single email and am glad to somewhat be a part of your journey for 1/5th of your “blog life”

    I’m in my late 20’s. I’m fortunate to have a decent salary and to have stumbled across your site!!!!

    I aspire to being in a similar situation as you in 20 or so years. A few months ago I bought my first home, I’m already scheduling/planning to have it paid off before the end of the 15year term.

    At the stage I am in my life/career, I read your investment and budgeting articles with most interest!

  • Mark October 13, 2015, 8:18 am

    Hi Joe,
    I won’t be retiring really early but I really enjoy your blog because regardless of when we retire we still have the requirement of insuring that we are going to have enough income stream to meet our living expenses in retirement. My biggest concerns are inflation and health care costs. I would like to see more on how you plan to be able to meet expenses for a long retirement and cover the rising expenses caused by inflation. Thanks!

  • NA October 13, 2015, 8:16 am

    Congratulations Joe. Very happy for you. I wish you continue to stay happy. I am very proud of you. It was definitely a bold and risky decision that you took a few years ago and am glad that it has been fruitful and helped you achieve the balance in life that you are comfortable with. Very happy to know that you were an integral and very close part of RB40Jr’s formative years in terms of the amount of time that you were able to spend with him during those years. Those memories will stay with you for the rest of your life and I would guess that the percentage of Dads who can say that would be very low (less than 10% perhaps).

    Good luck in your next endeavor/goal of helping Mrs. RB40 retire by 2020 and having enough income to sustain your family needs.

  • S October 13, 2015, 8:15 am

    Thanks for all the updates!!

  • Megan October 13, 2015, 8:14 am

    Personal Capital has really helped me track month to month expenses!

  • KP October 13, 2015, 8:14 am

    Congrats on making 5 years and continued success with your blog!!!

  • Melanie Gulick October 13, 2015, 8:13 am

    Congratulations on the five-year anniversary! I really appreciate your candid sharing, your tips and insights, and the occasions when we hear from Mrs. RB40! I think the fact that you took the leap to design life in a way that brought you happiness is so inspiring. I think it would be a cool idea if you asked people for ideas for columns to help you out with ideas. Maybe you could write some information for rank beginners– how to start with small changes, small investments, small savings etc.

  • Ben October 13, 2015, 8:12 am

    Great work on the blog. Love to hear that you have been at it for 5 years. 95% of businesses fail in the first 5 years, so congrats!

  • Khen Elazar October 13, 2015, 8:12 am

    Congratulations on this amazing anniversary. I must say that as much as I enjoy personal finance posts, the Costa Rica trip was really inspiring.

  • Jeremiah October 13, 2015, 8:11 am

    Happy anniversary! It’s been inspiring to follow your journey from the tech industry to early retirement. As I am just starting out in my career, drawing from the experiences of scientists/engineers that have gone before me is invaluable. Keep up the good work!

  • Keith B October 13, 2015, 8:09 am

    Happy Anniversary, Joe!

  • Andrew Glover October 13, 2015, 8:09 am

    Have been reading now for several months, and have enjoyed getting a different perspective with each new post. Especially enjoy thinking of how to finance trips and the thought put behind how larger expenses and purchases are funded. Allows me to think of alternative methods of paying for things that are needed and those that are wanted.

  • Aaron October 13, 2015, 8:08 am

    Great work on the website Joe and growing it! Keep at it. Love to hear more about your investment recommendations. Thanks!

  • Adam October 13, 2015, 8:06 am

    Also a former Intel employee and just starting to think about early retirement. Thanks for sharing your story.

  • Michael Fleck October 13, 2015, 8:05 am

    Love the blog. I’m 30 years old, and although I’m not sure i’ll be able to retire by 40, the advice on this blog has helped me out tremendously.

  • Justin October 13, 2015, 6:31 am


    I’ve been reading your blog for about 4 years now. (Wow time flies!) I really enjoy seeing how your family has grown and changed and hope to see 5 more years of blogging from you.

    I’d love to see you write some more about the details of how you keep your spending down.

  • Ryan October 12, 2015, 9:20 pm

    Congratulations on the anniversary! I just recently discovered your blog and have been enjoying it – looking forward to your future articles!

  • Madeleine October 12, 2015, 8:28 pm

    Go Joe Go. Thanks for sharing your stories and please keep on blogging.

  • Kyle Gray October 12, 2015, 7:56 pm

    Thanks for your posts! Always helps those of us who can only dream of early retirement at this point. I get a lot of great info from you and I appreciate that. All the best!

  • Shannon October 12, 2015, 7:18 pm

    We’re just beginning investments in rental properties – would appreciate insights and experience for novices!

  • Harry October 12, 2015, 5:42 pm

    Just started reading your blog in the last few months. I’ve enjoyed the thought provoking articles as I contemplate the next phases of my life.

  • Jason Fieber October 12, 2015, 11:38 am


    Big congrats on the blogiversary!! 🙂

    I’ve been at it for almost five years myself, and had to take a step back recently. It can consume you if you’re not careful. Took on help so as to allow a better work-life balance. I don’t want to quit one stressful job taking up 50+ hours of my week just to replace it with a different 50-hour+ gig (even if I do enjoy it much more).

    Wishing you guys many more years of success and happiness. Hopefully, Mrs. RB40 can snag her own retirement by 2020. That would be fantastic. Then, who knows?

    Keep it up!

    Best regards.

  • Michelle October 12, 2015, 11:36 am

    Congratulations Joe! I found your blog about 2 years ago when I was doing my google search on whether or not to pay off the house mortgage. And I have been enjoying reading your blog. I would like to see you write a post about how couple who quit the normal corporate jobs and still able to afford health insurance. Currently your wife still working so you can join hers but what about after she quits? What’s your plan?

  • steve October 12, 2015, 8:41 am

    Hi Joe. Congrats on the blog. I would love to read more about “side hustle” opportunities and how to find them.


  • Tawny October 12, 2015, 6:29 am

    Congrats on 5 years! Keep up the good work!

  • Melissa Kaineg October 11, 2015, 10:31 pm

    I really enjoy reading about your journey. Thanks for sharing! It gives me hope that one day I can do something similar.

  • Joel October 11, 2015, 8:07 pm

    Congrats, Joe, on 5 years. You publish a lot – I know it drags on creativity after so much time, so congrats on getting this far, and here’s to the next 5! I would love to read more about how to generate more passive income, what it really takes to retire early (how much money for what kind of lifestyle), and goal setting with milestones on the journey. I don’t think I’ll ever retire, but doing my own thing is really important, rather than doing the daily grind working for someone else. I seem to need constant encouragement in the real world. Oh, and I’ve kinda come to love my aging iPhone 5, so the watch would be a nice bonus. 🙂

  • Joe October 11, 2015, 5:55 pm

    Enjoy your blog!

  • Eric October 11, 2015, 3:59 pm

    Congratulations on 5 years!
    One topic I would be interested in learning more about is a self-directed IRA vs. a self-directed 401K. I believe they both allow you to invest in things like real estate (which you generally can’t inside a traditional IRA). What are the pros and cons of each?

  • Sumu October 11, 2015, 3:32 pm

    Congrats on the 5 year Anniversary.

    Regarding future topics, I am looking to see what your thoughts are on annuity and how it can be used for life time income.

  • Adam October 11, 2015, 12:10 pm

    Hi RB40,

    I started following your journey back in July. It has inspired me to put more emphasis on dividend growth investing in my own plans. Your story is quite inspiring. I’m glad to hear that things are going well and that you get to spend so much time with your family. I wish you all the best for the next 5 years of your blog. I look forward to reading about the idea of establishing a dividend fund for Jr.

  • Conrad October 11, 2015, 10:22 am

    Congrats, 5 years of regular posting is quite the achievement!

  • Mike October 11, 2015, 8:35 am

    Congratulations on five years! You may also want to check out the retirement calculator at the T. Rowe Price web site. It uses Monte Carlo simulation to predict likelihood of success.

  • Andy October 11, 2015, 6:39 am

    Congrats on 5 years!!!! Thank you for sharing your experience and thoughts!

    What is your opinion between wealthfront vs betterment or the other robo advisors?

  • AlbertS October 10, 2015, 11:03 pm

    Congratulations on your 5 year anniversary brada!!

  • Max October 10, 2015, 10:34 pm

    Joe it’s been a pleasure to read your blog over the years, I think I may have been one of your first readers while I didn’t comment for several years later.

    It’s been a pleasure to learn about both your personal life and family through personal finance. I’ve followed a lot of your advice, learned from some of your mistakes, and have achieved dreams that I couldn’t have previously imagined at such an early age. Calling you a sage seems a bit overdone, but honestly it’s helped me so far on the journey. I never believed I would have a dividend portfolio, duplex, and additional rental triplex all before age 30!

    So grateful. Inspiration and so humble.

  • Ramona October 10, 2015, 9:31 pm

    Joe, really enjoy your blog because it’s so genuine. Congrats on 5 years!

  • ken October 10, 2015, 9:00 pm

    congrats on the 5 yr blog anniversary

  • Kalle October 10, 2015, 4:35 pm

    You should buy iphone. Classic

  • Stephen October 10, 2015, 3:43 pm

    Congrats on your 5-year anniversary! Time really does fly. Have really enjoyed following your journey as it serves as inspiration that FI can indeed become a reality even with a child.

  • Peter October 10, 2015, 2:42 pm

    Congrats! You were the first personal finance blog I followed and you have been an inspiration to all of us seeking FI! Hope you nothing but continued success!

  • Kim October 10, 2015, 2:41 pm

    I would like to know how you got your wife on the same page as you for early retirement. I would like to retire by 2020 as well, but my husband keeps insisting that it will never happen. I am currently saving about 65% of my income, but I can’t get him to see that there is another way, other than a typical retirement.

  • Alecs Variny October 10, 2015, 2:15 pm

    I really enjoy reading your blog. Keep up the good work.

  • Andrew Nelson October 10, 2015, 1:34 pm

    Seems like most of the blogs I follow will fizzle out after only a few years. Five years and going strong is very impressive.

  • Rachel October 10, 2015, 11:30 am

    I just found your site by searching “how to retire by 45.” Great blog and congratulations on your achievement. I will be searching your blog to see if you have any articles about paying a mortgage off early.

  • Stephen Harrell October 10, 2015, 4:19 am

    Happy 5 year Anniversary’ Keep up the great work!

  • Pennypincher October 10, 2015, 3:32 am

    Hi Joe, Congrats on 5 years! Your blog has been fun, funny and informative. I have learned a lot from you and many of your readers. I’m sure others have as well. Very valuable stuff.
    Once RB40jr. is in school full time (8 hours a day, yes!), you’ll find more time to research more ideas for your blog. I’m sure the Portland Public Library has a great business/investment/finance section to pull ideas from. Keep up the great work! Thanks for all the good stuff!

  • Emily October 10, 2015, 12:43 am


    Love your blog. My husband and I recently decided to quit the rat race ourselves. He started first and I followed a couple of months after.


    • MoneySheep October 17, 2015, 11:59 am

      Same comment as above: I wish those who retired can give some hints, not necessarily full blown description, of their approx. expenses and approx. income and how they get that income. Why? This will give inspiration to us mortal who are still swimming.

  • MikeB October 10, 2015, 12:41 am

    Congrats on your 5 year anniversary! I have enjoyed following your journey!! Long time reader.

  • Victor October 9, 2015, 10:00 pm

    Newbie to the world of personal finance and especially all related blogs. Any podcasts, books and philosophies you highly recommend? Congrats on the milestones! To many more!

  • George October 9, 2015, 9:35 pm

    Congrats on making it five years! Yours was one of the first PF blogs I ever read and while I haven’t reached retirement I am much closer because of your guidance. Looking forward to the next five years of posts!

  • Zachary October 9, 2015, 8:38 pm

    Congratulations, Joe.

  • Julia October 9, 2015, 7:45 pm

    Congrats! I’d like to hear whether your wife/family has made any changes in their daily habits after you decided to retire from your IT job….or any habits that you believe could be helpful towards early retirement.

  • Mr.CBB October 9, 2015, 7:26 pm

    Congratulations Joe on 5 years with the blog and to many more!!

  • Randy October 9, 2015, 6:47 pm

    Recently discovered your blog and it is giving me a lot of ideas about my own goals for early retirement. Really appreciate all the tips and insight!

  • Kristi October 9, 2015, 5:57 pm

    Congratulations on your 5 year blog anniversary! Almost 5 million page views! That’s awesome!

  • Merlion October 9, 2015, 5:55 pm

    Congrats on your five year anniversary and thank you for the service this blog provides to educate and inspire people who aspire to retire early and be financially independent!

  • Sydney October 9, 2015, 4:19 pm

    Congrats on your 5 year blogversary! Time really does fly, especially when you’re having fun. I think stories from your days as an engineer would be fun to read about and what a typical promotion/salary table looks like.

  • linda October 9, 2015, 3:44 pm

    Congratulations on your five year mark. I would like to see more blogs on emergency savings.

  • Ernie Zelinski October 9, 2015, 3:11 pm

    Joe, congratulations on the 5-year anniversary.

    Just a note that almost 10 years ago I had a “25-years-without-a-real-job celebration”. I got fired from my Engineering job in October 1980 so on October 15, 2005 I paid for a meal for about 75 of my friends and acquaintances. At the end of October I will be having a “35-years-without-a -real-job celebration”.

    Insofar as the giveaway of the Apple watch, I will let other readers enter. I have an iPhone but I would never use the watch.

    Nevertheless, here are a few suggestions for future blog posts:

    * What’s the worst job you ever had?
    * What’s the best job you ever had?
    * What’s the ideal age to retire?
    * How much retirement income do you need to retire comfortably?
    * Positive life habits that will allow you to retire early
    * How rich should you be when you die?

  • Jacob October 9, 2015, 3:10 pm

    I have thoroughly enjoyed reading your blog for the last few years! Can’t wait to see what you have going on in the next 5 years!

  • Krishna October 9, 2015, 2:55 pm

    I really like your blog. Could you do an article on what to do with the unused gift cards and how to keep track of them?

  • Justin October 9, 2015, 2:44 pm

    Wow, Joe. 5 years, congrats! You were a very well established blogger when I first started Root of Good 2 years ago.

    I had to check my traffic stats and I’m just about to break 1 million combined pageviews since I started. Exciting milestone I guess – maybe I’ll celebrate in November when it should happen.

    As for the apple watch, I don’t have any i-products either so I couldn’t use it (and don’t really want/need an accessory on my wrist anyway). Hopefully someone else can put it to work for them!

  • Mike October 9, 2015, 2:37 pm

    Congrats! I found your site and others when I started researching retireing early…it turns out my wife beat me too it when she decided she had enough of the working world and was shocked when I said she can just quite–technically no need for her to work anymore after reducing our consumption and cooking (which saves us ~$5000 a year vs buying lunches and eating out). I must say it’s amazing how much better both of us feel as she no longer complains about work and stuff magically gets done during the week so I have more freetime on weekends.

    BTW: re your excersize goals not working the only goal that’s ever worked for me is to excersize everyday…its 1000x easier to get something done consistency than any other goal.

  • herbert October 9, 2015, 1:57 pm

    Longtime readers here. Congratulations. Keep up the good work.

  • Dave Yin October 9, 2015, 1:35 pm

    Congrats! I am also an engineer working in the similar field, IC design.
    I really admire how your family can get your monthly spending so low and save so much each month.
    Hope to see more discussion on your thoughts on dividend stocks.

  • sean October 9, 2015, 1:28 pm

    Congrats on 5 years! Looking forward to all the stories that document your next 5 years on this journey.

  • J. Money October 9, 2015, 12:45 pm

    Congrats man!! I feel like you just came online, which makes me feel old now! 🙂 Quite a journey indeed. Give the little one a fist bump for me!

  • Sandy October 9, 2015, 12:45 pm

    Congratulation on your blogging success! I would also like some insights on how your wife feels about still going to work since you have stopped. Does she ever feel any resentment, particularly on a really bad work day? What do you do to reduce her stress level? Do you do most or all of the household chores? I commend you for working towards her early retirement too!

  • [email protected] Just One More Year October 9, 2015, 12:43 pm

    Congratulations on your 5-year anniversary of creating your website and blog! It has been a whole 5 months for me. I have a new appreciation to how much time, energy, and thoughts go into running a successful blog. Great work!

    Thanks again for having me guest post a while back. That gave many of your loyal readers a chance to hear our story. I really appreciated that opportunity! Joe, we are less than a year away from Phase 7 and can’t wait.

  • Sharon October 9, 2015, 12:22 pm

    Congrats on your anniversary

  • matt October 9, 2015, 11:10 am


  • Karin October 9, 2015, 10:57 am

    I love your blog! I recently quit my job at 41. It is great reading about your strategies for saving. I really appreciate your transparency and the specifics you provide. Keep up the great work! You could write about ways to save mo eye by shopping at different places such as Costco . You could talk about how to save money on groceries by strategically using coupons and whether farmers markets make any sense at all from a value perspective. Hope that helps I would love to have an Apple Watch to pair with my iPhone! A devoted CA reader, Karin

  • John October 9, 2015, 10:54 am

    Congrats on the 5 year anniversary. It would be good to do a blog post on how to avoid sequence of returns risk when retiring early.

  • Nadia October 9, 2015, 10:35 am

    Really inspiring, your hard work has paid off :). Thank you Retireby40 for your support.

  • jim October 9, 2015, 10:11 am


  • kristin October 9, 2015, 10:06 am

    would love to read about how your kid has affected your finances

  • wh October 9, 2015, 10:06 am

    I started reading your blog around 2012 and at one point, almost deleted you from my feedly. I thought you were too frugal (e.g really low grocery budget) and that I couldn’t emulate your success. But then I kept reading and adjusting my own finances and although I still find your grocery budget extremely low (we spend at least $600/mo for 2 ), I realized that it’s the thinking and principles behind the early retirement mindset that is the most important, not specific spending. I read many ER blogs now and although my situation is not the same as anybody else’s, I still find pearls of wisdom in every blog I read. Thanks for contributing to my ER knowledge!

  • Teri October 9, 2015, 9:56 am

    Congratulations on 5 years. That is fantastic.

    I’m new to this idea of being able to make great choices, instead of reacting to problems. I am retired and now on a budget. Before the budget I had no savings. Now that I work a zero balanced budget I find I have extra money and have been putting toward emergency fund and rainy day funds with a little toward “reward” goals. Have a long road ahead and you have helped me see where I need to aim. Thank you.

  • Bill October 9, 2015, 9:36 am

    Raising a kid will provide a lot of topics for you to write about, as it includes a lot of ‘keeping up with the Joneses’ in the U.S. For example, search for last week’s Washington Post article “Are parents ruining youth sports? Fewer kids play amid pressure,” and see a little bit of the ghost of RB40 future.

  • Ben Boyd October 9, 2015, 9:36 am

    I’d love to see the progress you make before 2020 when the Mrs. retires. It’d be cool to have more info about withdrawing/spending in retirement once we get there! Thanks for all the awesome articles and help through the years! Good luck in the next 5!

  • Jose October 9, 2015, 9:30 am

    Congratulations on the 5 years, I just found your blog this year and it has help me in re thinking my work/retirement goals and made me aware of just how much wasteful spending we do on a regular basis.
    Thank you!

  • Tawcan October 9, 2015, 9:19 am

    Congrats on the 5 year blog anniversary. That’s a pretty big milestone considering lots of blogs disappear after a few years.

  • Steve October 9, 2015, 9:02 am

    You should let your wife do a guest posts on her thoughts on your ER, as well as posts on how she feels about her upcoming retirement… You should also let me do a guest post on how great my new Apple Watch Sport with blue band is 🙂

  • Tara Carlson October 9, 2015, 9:00 am

    Happy 5th blogging anniversary! I love this blog!

  • Aspiring F1 October 9, 2015, 8:58 am

    Great blog. Would love to read more about the pros and cons of different paths to F1 combined in one article. (eg: real estate versus stocks versus online business etc.)

  • Kayley October 9, 2015, 8:58 am

    I like how you discuss financial advice and planning tips. I would suggest staying in that space. Perhaps include reviews of financial tools/investments to help your readers determine which ones they should use?

  • SavvyFinancialLatina October 9, 2015, 8:54 am

    Ideas on future articles
    1. More on Experience at Intel – Currently listening to a company webcast. Public speaker is a consultant who spent 3 years at Amazon, wrote a book, and is now basing so many strategies on experience at Amazon. He mentioned how Intel is very innovated. Please share your perspective. This is very relevant to early career professionals like myself.

    2. How much did you start investing at the beginning? I am maxing out my 401K, two IRAs investing a brokerage account, ESPP, and saving cash. And I still don’t think it’s enough.

  • Donna October 9, 2015, 8:48 am

    I found your blog by way of a comment on another finance blog. I went through the same dissatisfaction with my job about 7 years ago. Early retirement as an option was never on my radar. Luckily I tend to be closer to a saver than a spender, but my income is mediocre at best. I’ve decided early retirement is for me. Unfortunately, I have one child in her 2nd year of college out of state, so it’s putting a damper on my savings rate. At least I have a goal in mind, and I’ve adopted an even more frugal lifestyle to help me get there. Thanks for your inspiration! Keep writing!

  • Brian October 9, 2015, 8:40 am

    Keep blogging .. you inspire all of us with your journey. Now your goal of adding your wife to retirement is a great goal. Can’t wait to read the progress..

  • Pamela October 9, 2015, 8:10 am

    Love your blog. Would love to hear about you and your wife’s plan to pay for healthcare after she retires. How you would handle long-term care.

  • Guru October 9, 2015, 8:07 am

    Congratulations on 5 year Anniversary Joe! Its been a great inspiration.

  • Dheenu October 9, 2015, 8:05 am

    I would like to see you post on your thoughts about what people should do to start early and stay the course. There are many people who start their retirement savings but give up due to some issues that come up in their life.

  • Financial Samurai October 9, 2015, 7:47 am

    Congrats on 5 years! That is pretty smart of you to regift the Apple watch!

    I’d like to read more about how Mrs RB40 evolves with work, and how she’s able to keep on working with you not working. What are the discussions you have. How does she not get jealous. How does one find meaning at work. Is it tough for a mother to be away from her child for so long.

    I’d love to read more about these family dynamics!


  • Patrick Liu October 9, 2015, 7:39 am

    I am really interested in your online income related topic. maybe you can educate us on affiliate marketing and strategies on how to ear online income. I truly believe working anywhere any time is the key to earlier financial freedom including early retirement.

    keep up the good work! I really enjoy reading your blogs!


  • Katy October 9, 2015, 7:39 am

    Happy 5 year Anniversary Joe! I’ve been reading you for a majority of those years :).

  • Paul K October 9, 2015, 7:35 am


    Long-time reader and first-time poster. Congratulations on your five year anniversary. I read three finance blogs (found your site via MMM) and yours is my favorite. You don’t pretend to be a genius or act like you’re smarter than your readers (though you probably are)–you just seem like a self-aware father/husband who is just trying to do his best to piece things together. I have enjoyed hearing about your transition to being a stay-at-home parent while you dabble into some different potential income streams. Also, I could relate to the anxiety caused by your rental properties (the fourplex, in particular)–I have several rental properties that I just don’t have the time/patience for anymore. I sold one last year and plan to unload another couple within the next 1-2 years.

    Since I started reading your blog I’ve been joined in life by my twin sons (currently eight months old), and my wife is actually going to be reducing her hours at work in order to spend more time with them. I can’t give you full credit, but nonetheless thanks for being an inspiration!

    Regarding new blog topics, I always enjoy anything related to property maintenance or management (I love the fact that you always have to return to the hardware store multiple times, i.e., like a normal person does). An article on the expenditures of RB40Jr as he’s gotten older might be appropriate.

    Congratulations again.


  • Whizbo October 9, 2015, 7:34 am

    I’ve been enjoying the quest posts lately. It’s fun to her from different people in different places on their journey to FI.

  • Nikki Rae October 9, 2015, 7:17 am

    Congratulations! I’d like to read more about the preparation of retirement. How you got to the point of building a portfolio and rental properties. We’re st in that stage and it seems like a huge undertaking.

  • Shannon October 9, 2015, 7:11 am

    Any thoughts on the minimalist lifestyle?

  • Chris October 9, 2015, 7:06 am

    Keep up the good work! Thanks for blogging!

  • Neil October 9, 2015, 7:01 am

    Congrats on the blog! I’d like to hear more about your plans to grow it from this point on. Good luck!

  • One Broke B October 9, 2015, 6:50 am

    I would like to hear more about being a landlord and whether or not you would decide to do it again if you could. I also like the RBjr stories 🙂

  • Kenny October 9, 2015, 6:45 am

    Congrats Joe…..Best wishes on your next 5 years……You are doing well, and your sharing is just phenomenal.

  • Jay October 9, 2015, 6:45 am

    Joe, I’m a long time reader of your blog and appreciate the articles you have written. Keep up the good work!

  • Jay Cup October 9, 2015, 6:29 am

    Thanks Joe, I have enjoyed following your journey for the past few years!

    I would like to hear a blog about purchasing vehicles (if you don’t already have one), such as buying vs. leasing, new vs. used, public transit vs. private, etc.

    Looking forward to the next 5 years!

  • bev October 9, 2015, 6:03 am

    Another congratulations to you, Joe. I’m a fairly new reader to your blog, but I have learned a lot. While I’m not a young person reaching FI, I just turned 60, and there is still much to learn at this age, specifically that it’s not too late to realize that retirement can be achieved at my age and still live a good life. Can’t re-live the past, but I can change the future. I think you’re helping many Baby Boomers who wish they did things differently. Keep going….you’re doing great!

  • Gail N October 9, 2015, 5:56 am

    Congrats on 5 years. I only found your blog in the last few days. I’m in a different demographic – I’m 48 and just recently woke up to the fact that retirement age is fast approaching. I’ve lived somewhat frugally all my life and have a bit of a nest egg so I’m not in bad shape, but I’ve got some work to do to get there to retire with dignity. Fortunately, I still have time! I haven’t had a chance yet to comb through your archives. I’m looking forward to seeing how you’ve lived and also to pick up some frugal living ideas. One subject that doesn’t seem to have a lot written on it anywhere – unless I’ve just missed it – is withdrawal rates / methods from investments after retirement to 1) not run out of money, but 2) not leave a ton of money on the table. Basically, once I’m FI, I’d like to spend or donate most of my money while I’m still alive rather than have a huge chunk of it left for after I die. Anyway, looking forward to seeing more of your blog.

  • James Brierley October 9, 2015, 5:52 am

    You’ve done fantastically well! Congratulations.

    I liked reading reader’s questions now and then – maybe you could expand on that and have it as a regular feature.

  • Ted Gerring October 9, 2015, 5:17 am

    Hey Joe,

    Your journey and writing is inspiring. It has not only provided inspiration but a deep look at what’s important in our family dynamics. Keep up the great work and I’m sure content will emerge. In terms of topics, I’m really interested if it makes sense for the average investor to buy sector ETFs in (what I feel are) difficult sectors to understand (i.e.) Materials, Utilities. Vanguard and Fidelity offer a nice cheap selections, or does it make the most sense to try and buy the best companies in those harder to grasp sectors. Thanks, Joe!

  • Kate @ Cashville Skyline October 9, 2015, 5:08 am

    Wow, congratulations Joe! I’ve been following your journey since before you left Intel. And it’s been amazing to see your progress! 5 years of blogging is a huge milestone. You should be proud 🙂

  • Jeff October 9, 2015, 4:51 am

    Congrats on five years! Your story is an inspiration to really start saving and get control of spending habits, etc… It is especially important in someone just joining the workforce!

  • Ana October 9, 2015, 4:46 am

    Love your blog. Maybe do a post on other work from home opportunities besides blogging…..sadly, I’m not a writer 🙁

  • Insourcelife October 9, 2015, 4:32 am

    Congrats, Joe! I’m sure it’s not easy coming up with new ideas every week but you seem to be doing quite well so here is to another 5 successful years!

  • Jeff October 9, 2015, 4:23 am

    Congrats on 5 years! Since you were soliciting ideas in this post, I was thinking a blog post on what kept you focused and disciplined in the years leading up to your early retirement.

  • Jordan C. October 9, 2015, 4:23 am

    Congrats on the anniversary! I’m still working toward my own financial independence. I’m in my 20’s, but I’ve been focused on finance since I was 15 and I started balancing checkbooks and paying bills for my single mother while she was deployed for the military. I’ve been investing my own money since I was 18. I hope to be FI by 40, but I am focusing on paying student loans (my only debt!) right now. I’m working on developing a side hustle idea and plan to leave the 9-5 in the dust as soon as possible.

    I’ve been pretty satisfied with the content of your blog so far. Lots of tips and tricks that I’ve been able to use. Keep up the good work!

  • Ramona October 9, 2015, 4:21 am

    5 is a really cool number in blogging.

    Congratulations for your success and keep it up. We’ll celebrate 10 years of blogging in no time 🙂

  • Mike Drak October 9, 2015, 3:38 am

    Congrats Joe and keep those great questions coming. Maybe instead of sticking to personal finance it might be interesting to reach out and ask what type of lifestyle others have created after reaching FI. I have a funny feeling that some degree of work would be involved for many but is it really work if they enjoy what they are doing? Last night I got to thinking about how the concept of FI originated. I find it interesting that my local library only has books on retirement and to be honest I only bumped into the term myself when doing research for my own book about a year ago. Also find it interesting that few financial advisors still do not talk about FI. Joe looks like there is still a lot of work ahead of you!

  • Jason October 9, 2015, 3:24 am

    Keep up the great blogging. I enjoy reading your thoughts and the community.

  • Maria Martoral October 9, 2015, 3:14 am

    Congrats on your 5 year anniversary ! Topics you can perhaps write about now are- How to start up a blog? How to generate advertisement? Mrs. RB40’s perspective on topics you write about since a female view may be very different than a male view. How do you choose health insurance when self employed? Top money making ventures and adventures when traveling in your 40s and you best financial reads! Maria

  • Mr Zombie October 9, 2015, 1:14 am

    I think you under estimate how much people want to read about early retirement 🙂

    5 more years… yeah you got it. 10 million views here we come

    Mr Z

  • Michael @ Financially Alert October 9, 2015, 12:46 am

    Congrats Joe on your 5 year blogging anniversary! You’ve accomplished a lot since then and your staggering growth is inspiring to so many other PF bloggers such as myself. I just joined the Yakezie challenge yesterday, so I’m finding inspiration from all over recently.

    As an early retiree myself and juggling the kids at home, may I ask how you managed to write so consistently while taking care of RB40Jr also? (From one Dad to another, I’m super impressed!)

    • retirebyforty October 9, 2015, 9:02 am

      Thank you! I have to keep a consistent schedule or else I wouldn’t be able to keep it up. Sometime I had to make some compromise such as – writing a short article, publish an article that I’m not 100% happy with, and others. It has been working pretty well so far. Good luck!

  • Dawn October 9, 2015, 12:45 am

    Congratulations on 5 years!
    Found your blog about 6 months ago and I visit every other day looking for inspiration and motivation.
    Keep blogging, a couple of topics I would like to see is how do you handle all the gift giving during the holidays, birthdays, weddings, baby showers, etc. Also how to set up a blog with screenshots would be helpful.
    Please pick me for your Apple Watch giveaway! I would to be able to access my events/ messages instantly and keep my life a little more organized.

    Much Aloha from the 808,


  • Max October 9, 2015, 12:44 am

    Congrats on the anniversary. I actually retired this year at age 41 without kids and no homeownership. I realized I don’t need that much to live on so there was really no compelling reason to go to work. Anyway, I recently signed up to personal capital and I find the website fantastic and would recommend it to anyone. Do you have any experience with motif investing? Maybe you can do a blog on the pros and cons if you have an account with them. Thanks.

    • MoneySheep October 17, 2015, 11:46 am

      I wish those who retired can give some hints, not necessarily full blown description, of their approx. expenses and approx. income and how they get that income. Why? This will give inspiration to us mortal who are still swimming.

  • Yue Tu October 9, 2015, 12:29 am

    Hey Joe, happy 5 year anniversary. This blog rocks! Thank you for providing me with such invaluable education.


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