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Saving More for Retirement in My Solo 401k

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When I left my engineering career to become a stay at home dad/blogger, I wasn’t sure if I could continue to save for retirement. My original plan was to use my small blog income to help fund our expenses. That way I could put off withdrawal from my nest egg and let it grow undisturbed. However, life […] 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.

My Biggest Splurge Before FIRE

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Last week, I picked up my new glasses and posted a picture on social media. A few sharp eyed readers commented that they loved the background. I replied it was a splurge before I discovered FIRE (Financial Independence Retire Early.) Do you recognize the picture? It is Mrs. RB40’s favorite cartoon canine – Snoopy. The […] Read More

Focus on Your Saving Rate When the Market Fluctuates

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It’s only natural to feel anxious when the stock market drops or spikes too fast. The stock market has been stable for so long that many of us aren’t used to the volatility anymore. I wrote this post the last time (2016) the stock market had a correction (10% decline from the peak) and it […] Read More

It’s Good to Be a Little Obsessed with Early Retirement

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A little obsession is good because it drives us to accomplish something. I was obsessed with getting my engineering degree when I was in college because my parents worked hard to send me there. Many kids were there to have fun, but I just wanted to get through it. Fun was secondary. Mrs. RB40 was […] Read More

Our Rental Condo Investment

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I just signed a lease with a tenant for our rental condo! This is great news because the unit has been vacant since November. The extended vacancy really sucks. We had this condo since 2011 and this was the longest vacancy we’ve seen yet. The previous longest vacancy was just 25 days. Winter is a […] Read More

10 Things I’ll Buy When I’m Rich

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It is going to be a fun and easy one today. I’ll share 10 things I’ll buy when I’m rich and then you tell me some of yours. We all need a break from the wild gyration on the stock market. It is nerve racking to see the stock market plunge so steeply in just […] Read More

January 2018 Goals and Financial Update

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January is over! We were sick on and off for about 3 weeks, but we’re all much better now. It was a very slow month and we spent most of our days at home. Mrs. RB40 enjoys these slow winter days because she can catch up on some of the things she’s been meaning to […] Read More

How Did The Financial Crisis Change You?

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Can you believe it’s been 10 years since the Global Financial Crisis? It was a huge event that shaped many lives. Ten years is a long time and a lot of things can change. That’s the focus of a new yearlong series at NPR’s Marketplace – Divided Decade. I listened to a few stories on […] Read More