I finally pulled the trigger on upgrading my sports car for some 2026 summer fun. It’s funny how car deals sometimes come together – this one was especially fast & favorable! A friend and I were at the PGA Golf Super Store looking at golf clubs a couple nights ago. He noticed that I had driven my BMW Z4 over to the store and then … Continue reading Sudden Stingray Summer …
Wednesday was Tax Day in the United States as everyone was rushing to get their Federal & State Tax Returns submitted by that date. Ours were finished last Friday and we paid less in taxes than ever – as we lived off cash in 2025 and didn’t sell any investments for a gain. A couple of our investments, including our rental townhouse, had losses. We … Continue reading Pass the SALT on Tax Day
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
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