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November 2019 Goals and Financial Update

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Hey everyone, I’m back from my Chiang Mai, Hanoi, and Narita vacation. We had so much fun, it was tough to come back. This time, we didn’t spend much money because I used points to pay for flights and accommodations. We only spent about $600 on food and souvenirs (mostly snacks.) That was plenty of […] 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.

Travel Hacking 2019: Chiang Mai, Hanoi, and Narita

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One of my goals this year is to travel hack 100,000 points. This isn’t too hard. Basically, I need to sign up for 2 new cards that have a good signup bonus (over 50,000 points.) However, 100,000 points isn’t quite enough for a big trip. This year, we’re heading to Thailand and used almost 300,000 […] Read more

SAHD Recipe – Korean Style Beef Bowl

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This Korean style beef bowl is super easy to make and our son loves it. It’s a perfect dish for those busy weekdays. Ingredients 1 pound ground beef. I usually get the 92% ground beef. 80% is too fatty for this dish. 1-3 tablespoon soy sauce 1-2 tablespoon brown sugar 2 green onions, sliced 2 […] Read more

Is Early Retirement a Good Example for Your Kids?

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Sometimes, I envy the FIRE bloggers who don’t have kids. Kids complicate your life and make it harder to retire early. We have to consider what’s best for them. One of the questions I frequently get is this – Is early retirement a good example for my kids? Will I still be a good role […] Read more

Tipping Guide for The Frugal Cheapskates

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Have you ever struggled with tipping? As a lifelong cheapskate, I always struggled with how much to tip. When I was young and penniless, I didn’t want to tip at all. However, I used to work in my parent’s restaurant so I know how much people in the service industry depend on tips. So I […] Read more

SAHD Recipe – Grandma’s Bajang

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I’m starting a new series! I plan to post a recipe here every Sunday. However, if life gets too busy I might skip some. Actually, these recipes are really for my son. When he grows up, he can cook these dishes and reminisce about the good old days. My brothers want me to post these […] Read more

8 Tips to Live Within Your Means

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The first step to financial independence is to live within your means. It’s simple. You have to spend less than you make so you can save and invest the difference. I followed this directive as soon as I became an engineer and started making a good income. Before that, I was a student with minimal […] Read more

October 2019 Goals and Financial Update

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Hey everyone, a chill is in the air. This October seemed colder than usual. The overnight temperature dipped into the 30s several times already. Brr… Luckily, Halloween was dry and not too cold. Our son went trick-or-treating with his friend and collected a huge stash. These are nice candies too. Let’s see how long this […] Read more