Early Retirement 10th Anniversary reflections from Mrs. Fire Station … It’s been 10 years since I piped in on this blog of my husband’s. When we were having lunch in Washington DC a few weeks ago, he asked me to reflect on my thoughts on the 10 years since we both retired. Related: The Better Half / Thoughts From Mrs. Fire Station I’ll admit … Continue reading Cheers to 10 Years – Mrs. Fire Station
When I left the office 10 years ago this month, I never could have imagined the incredible good fortune our equity investments would benefit from over the full decade of our early retirement. As you can see below, S&P 500 returns over that period of time have average a hefty 14.1% with dividends reinvested! Our portfolio also includes bonds, real estate, and cash – but … Continue reading Cheers to 10 Years of Good Fortune
Today’s the day. 10 years. No April Fool’s Day. It’s been a full decade since I stopped working on April 1, 2016. Related: Blasting Out of MegaCorp Naturally, such a foolish anniversary has gotten me wondering what I have done with all of that extra time. If you take 60 hours/week of working & commuting time and multiply it over 48 work weeks/year across … Continue reading Cheers to 10 Years!
If you just glance at raw numbers, it looks like housing has gone completely off the rails. This Certified Foolish Planner – with over a half million followers – thinks so at least. He wants to know “who broke housing”? He writes that the public has been victimized by high housing prices … It’s true that in 1976, you could buy a home for $44K … Continue reading No One “Broke” Housing!
As Batman learned in the Dark Knight, “You either die the Hero, or you live long enough to become the Villain.” I think that famous movie line now has some relevance to those of us who played by the rules, worked smart, saved prodigiously, and invested effectively. At first, one’s journey to FIRE (Financial Independence & Retired Early) is hailed by society as successful & … Continue reading Hero or Villain?
Every year I play the game with my Sirius / XM Radio service. I have it in my SUV and use the app on my phone. I’m not a huge user, but I do like having it. The ongoing problem – as with many subscription services – is that they jack up the price every year if you don’t renegotiate. Over the last year, I’ve … Continue reading AI-Driven Savings
It’s been about three years since we started playing the “Savings Rate Game” (LINK) with Bank CDs and Treasury Bonds. That is, having to manage the savings rate of our cash holdings closely. The 3-Year Treasury rate is now at about 3.5%, down -0.6 pts from one year ago today. When Biden took office in 2021, the 3-Year Treasury was just 0.3%. We didn’t even … Continue reading Savings Rate Game Revisited
If you spend any amount of time in Florida, one thing jumps out almost immediately: lawyer ads everywhere. On TV. On billboards. On the sides of buses. “Been in a car accident? Call now.” It’s hard to drive five minutes without being reminded that someone is ready to sue on your behalf. That observation stuck with me when I started comparing car insurance premiums between … Continue reading Florida Car Insurance
I recently joined an online forum of relatively wealthy investors who discuss portfolios, spending, and travel. One question that someone put a poll up around was “what is your current daily driver”? About 320 people answered – a decent sample size. I answered BMW, since I drive our BMWs more than my Jeep or my wife’s Audi. I wasn’t surprised to see that brand high … Continue reading What Do Wealthy Investors Drive
Our neighborhood investment club decided to have a friendly competition on “best investment” for the next 12 months. We were each assigned to come up with a publicly available investment and track the returns starting 2/2/26 thru 2/1/27. Whoever delivers the best return (including dividends, Klaus) has neighborhood bragging rights. I am typically a conservative, index fund investor, so this is a pretty different challenge … Continue reading Silver & Gold
MrFireStation 