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winningLast week, I was reading a post at Young and Thrifty about how positive thinking can attract good fortune. I believe this is 100% true. Have you noticed that an optimist always has better luck than a pessimist? Maybe I’m feeling this way because I’ve been on such a great winning streak lately!

Won $25 from Master the Art of $aving’s 1 year anniversary giveaway.

Won $50 for participating in the first Yakezie tweet chat. Prosper and other peer to peer lending companies answered our questions about p2p. It was a great session and I think I’ll use this $50 to start investing in p2p.

You can use this link below to start investing in p2p at prosper.

Winning @ the Bank – free float down just by asking! We locked our 4 plex mortgage interest rate right before the debt ceiling deal was done. I was afraid that the credit rating downgrade would cause the interest rate to rise, but it turned out the rate kept dropping because everyone fled the stock market to buy US bonds. I called up my lender last week to see what they could do and they were able to float us down 0.125% at no additional cost. Thanks goodness I took the initiative to ask.

Won tickets to see Jay Leno talk about his automobile and motorcycle collection. You can read all about it in the post I put up last week. What a stroke of luck! The VIP section was reserved for sponsors who gave $10k+ to bring the exhibit to the museum.

Won Les Miserables tickets – Two tickets to see the show from my work, but we couldn’t find a sitter so I gave them up to other co-workers. That’s ok, we’ve seen it before, good show.

Picked up some shares of AT&T @ 6% yield, LLY @ 5.6% yield – I know the market may turn down even more, but these yields are great! These stocks will give me a great jump start on my target dividend yield of $500/month when I retire.

Won at the Library – A Dance with Dragons came in! I made this reservation in April before the book was released. It’s book 5 of the Game of Throne series and I’m having a great time reading it. Breaking Bad season 3 and True Blood Season 3 also came in. 😀 I love the library!

Blog – I feel like we’re on a great roll here at the blog. Google gave us a page rank of 4 in the last update. Our Alexa rank is pushing 50k and MozRank is 5.24. We are also making progress on the WiseBread top 100 personal finance site. Last week we were at #137 and that’s pretty darn good considering we started at #600 last year. Also I’m writing for the retirement blog section of the US News & World Report and my first post got picked up by Yahoo! Here is my second post – Live on Less and Retire Sooner.

I have got to go buy a lotto ticket! After all, JT @ Money Mamba showed that buying a lotto ticket isn’t going to impact my retirement saving much. Do you run out to buy a lotto ticket when you are on a lucky break? I do it occasionally…

Anyway, I feel like I’m on a great winning streak even if I didn’t win every contest I entered. I must have entered 10+ giveaway contests last month. The library took quite a while to get my book and DVDs. Blog was good, but last Friday I had some problem with malware and hackers. All that is cleaned up now, but I could have dwelled on the negatives and felt like I was jinxed. Instead, I focused on the positives and I’m feeling great. That whole hacking issue makes me feel like my lucky streak is coming to an end though. 🙁

What do you think about this? Do you think optimists are more lucky than pessimists? What about positive thinking? Does it affect your luck?

***Breaking New*** I won the lotto!!!

I picked up a ticket last Friday and didn’t check until Monday. Actually, it’s not that exiting because I only won $6. Next time I’ll get a lotto ticket at the beginning of my lucky streak and maybe I’ll win a bigger prize. 😉


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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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{ 29 comments… add one }
  • Jesse @ BP August 25, 2011, 2:35 pm

    Hey, with that 6$ you can buy six more lotto tickets! Congrats on your recent luck and all the best for the future!

  • Little House August 24, 2011, 2:44 pm

    You are definitely on a winning streak! Must have something to do with that positive thinking. 😉

  • Christa August 24, 2011, 12:40 pm

    Congrats on your winning streak! I love the float down — it’s nice to ask and receive something for free.

    • retirebyforty August 24, 2011, 2:13 pm

      It was amazing. I asked for a float down when we purchased our house in 2007 and they didn’t give us anything. The bank needs business these days and we are already paying extra due to this being an investment property.

  • MoneyCone August 23, 2011, 10:13 am

    Excellent picture for the title! 🙂

  • Evan August 23, 2011, 8:10 am

    There are just some months when everything CLICKS! I am glad this has been one of them for you. Being picked up by a major publication like that is amazing.

  • cashflowmantra August 23, 2011, 4:47 am

    Congrats on winning the “Lotto”. Now you can retire 6 seconds sooner.

    • retirebyforty August 23, 2011, 12:57 pm

      Hahaha. 😀 Yeah, 6 bucks aren’t going to put a big dent in my retirement fund.

  • 101 Centavos August 23, 2011, 3:12 am

    My long-departed great-aunt was like this *all* the time. She entered contests upon contests, and seemed to come away with vacations and microwaves *all* the time.

    • retirebyforty August 23, 2011, 12:56 pm

      Excellent! I have a lucky streak once in a long while, but not all the time.

  • Brave New Life August 22, 2011, 2:49 pm

    A positive attitude certainly has an effect on outcomes you can control. The lottery? Maybe not. But then again, who knows. 🙂

  • Colette August 22, 2011, 2:37 pm

    Some guys have all the luck! I can hear that 80’s song in my head. I do believe some people are lucky, while others appear lucky by simply just being optimistic about that which they have been given. In any situation the glass can always be full or not. I find that when I’m more optimistic, I simply enjoy life better!

    • retirebyforty August 22, 2011, 3:59 pm

      I should have used that song on this post! Maybe I’ll change out later this week. Thanks.
      Life is much more fun when you’re an optimist. I’ve been both and I like being optimistic better.

  • SB @ One Cent At A Time August 22, 2011, 1:39 pm

    I was about to ask you to buy lotto, before reading last few lines. Thow your lucky fragrance on us Joe. I never won anything apart from two movie tickets.

  • Freddie @ Invest With Passion August 22, 2011, 12:54 pm

    You seem to be on some sort of serious winning streak for real. That is awesome, hope it continues long into your future!

    As for being an optimist, i think it definitely brings more success and good fortune than anyone else. The reason in my mind is because optimist take more chances and put themselves in positions to succeed better than others.

    • retirebyforty August 22, 2011, 3:57 pm

      I agree about the optimists making more opportunities for themselves. It’s much easier to take chances when you believe the outcome might be pretty good.

  • Suba August 22, 2011, 11:35 am

    You are making me super jealous 🙂 I really have never won anything so I don’t know if that is because I believe I won’t win or the reason I ended up believing that I won’t win anything is because I have not won anything.. lol. May be I could get some luck dust for commenting on your blog 😛

    • retirebyforty August 22, 2011, 3:56 pm

      Sorry!!! Do you enter contests? If you don’t then you won’t win. 🙂 That’s why I spend $1 on the lotto occasionally.

  • youngandthrifty August 22, 2011, 11:08 am

    Awesome!!! You ARE on a winning streak! 🙂 Thanks for the mention Joe, and I”m so happy for you and your success!

    Hey, $6 is STILL winning! I would be happy winning $6 🙂 Now you can buy 6 lotto tickets and maybe win $60,000!

    • retirebyforty August 22, 2011, 3:55 pm

      Thanks!!! $6 is much better than nothing. I’ll put $1 back into the lotto. I don’t want to lose the whole $6. 🙂

  • krantcents August 22, 2011, 9:58 am

    Will I be luckier by just commenting on your article? I am an optimist and very positive in life. I find I accomplish more by just working harder or smarter. I probably do not understand luck, although staying positive works!

    • retirebyforty August 22, 2011, 3:55 pm

      Of course! You’ll be more lucky by just coming to read my posts. 😉

  • Financial Success for Young Adults August 22, 2011, 9:16 am

    I always think I never win anything in contests so I usually end up not entering most of them. But I guess that contributes to my loss. 🙁
    But overall I have a positive attitude on outcomes that I can directly affect. For example, I know for a fact that I will be a millionaire by the time I am 35. That’s about 6 years from now. Because I can directly affect that outcome, I am very optimistic about it happening.

    • retirebyforty August 22, 2011, 3:54 pm

      That’s a great way to take control of your destiny. We can’t depend on luck, it’s pretty fickle. 🙂

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