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Should You Retire Early During a Recession?

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At last, you achieved financial independence after many years of intentional living and are ready to retire. Unfortunately, 2020 is a horrible year to pull the ripcord. COVID-19 spread around the world like wildfire and forced most businesses to shut down. The economy contracted for the first time in 11 years and we are officially […] 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, 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.

Summer Vacation in the Pandemic Era

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Are you having a good summer break? Our son’s school year wrapped up about a month ago and everyone breathed a huge sigh of relief. Homeschooling was hell at first, but we adjusted and survived 3rd grade. Summer is going relatively well so far. However, this summer is completely different due to the pandemic. Most […] Read more

I Handed in My Two Weeks Notice

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This is a refresh of my “I quit” post from July 2012. I came back to work from a leave of absence and told my manager that I was done. I added some updates below but didn’t really change much. This summer, I’m taking a bit easy and refreshing some old posts. Enjoy! I did […] Read more

2020 Passive Income Update

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2020 is a tough year for many of us. It started off well, but the economy went into lockdown when the pandemic hit. A lot of people lost their job and it’s a mess. Our income dropped too, but we have several sources of income so we are still doing okay for now. My online […] Read more

Declare Your Financial Independence Day

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Ahh… I love Independence Day! This is my favorite holiday of the year, by far. Mrs. RB40 and our son love Christmas, but the 4th of July is way better. The weather is perfect in Portland this time of the year and I can putter around the house all weekend. It’s the perfect holiday. I […] Read more

June 2020 Goals and Financial Update

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Hey everyone, 2020 is halfway done! I can’t wait until this year is over with. It’s been a difficult year for everybody and it is really dragging. At this point, I just want to survive 2020 with minimum damage. Many of my New Year goals are way behind. That’s alright. Some years, you just have […] Read more

SAHD Recipe – Salmon Garlic Butter Pasta

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Hey everyone! Welcome to another installment of the SAHD recipe. Today, we’ll make my go-to salmon dish – salmon garlic butter pasta. This dish is super easy to make and my family loves it. You can also customize the noodles the way you like. I usually just make garlic butter noodles because it’s very easy. […] Read more

Should I Go Into Engineering?

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Over the years, I received several emails asking whether going into engineering is a good idea. It’s a tough question. Engineering is a huge field. You could study chemical, biotech, mechanical, civil, or electrical engineering. These are all vastly different and you can go into all kinds of careers. I only have experience with computer […] Read more