FIRE Planning For The Inevitable Future

I’ve been writing about personal finance and early retirement for more than two years now and have managed to not mention the topic of life expectancy once.  Since there are only three real variables to use in planning for retirement – spending, investments, and life expectancy – after over 250 posts to this site, you…

Unexpected Expenses In Early Retirement?

Having enough money to support the lifestyle you planned for early retirement is the key concern for many people on their path to financial independence and retiring early (FIRE).  The awesome website early-retirement.org had an interesting discussion recently over how much people are spending in early retirement: more, less,or about what they expected to spend…

Financial Tracking, Asset Allocation & Withdrawal Rate(s)

This is the post that I haven’t had much interest in writing, but one that quite a few people have asked about.  If you look at early retirement forums and financial planning sites, everyone seems to love to talk about portfolio tracking, asset allocation, and withdrawal rates.  More than anything, people are concerned about running…

Money Money Money?

The one thing, as much as anything, that consumes people’s thoughts when they think about early retirement is money.  How’s the market doing?  How are my savings doing? Will I have enough?  Have I estimated well enough? I was no different over the last 25+ years as we saved for early retirement.  I have a…