Category Archives: Investing

How lighthouses will save your life

If you haven’t read my post about setting your financial goals, read that post before trying to understand these “lighthouses” that will help you achieve your FI goals. Lighthouses are used to guide a ship at sea or warn a ship of upcoming danger. As we journey through the seas of personal finance, these lighthouses will serve as beacons to lead you to the calm shores of early retirement. Before diving into each one, I want you to make a paradigm shift about

Financial Independence Goals

For most people, like me, financial independence (FI) is a journey that will make you question everything you’ve ever been taught about “how the world works”. FI will make you want to swim like a salmon going upstream. I’m not talking about living in a cardboard box or only showering the first Saturday of the month, I’m talking about challenging what the world tells you is normal. Challenge your way of life, the things that make you happy, the way you

How I invest with Vanguard

Vanguard’s website is very user friendly and it takes just minutes to open up a brokerage account with them. I learned about Vanguard from an ad on Google and after reading a few articles I was hooked. I quickly realized that all the funds that Vanguard offered were low-cost and I could quickly build a portfolio that would suit my needs based on my investment horizon. When I started looking at Vanguard funds I was considering a few different funds and

Investing Win: Vanguard

All I can say is I wish I had found Vanguard MUCH sooner! Vanguard’s commitment to keep costs low is what makes Vanguard sail apart in a sea of investing pirates. Vanguard is also client-owned, which means that Vanguard doesn’t have outside owners. Investors /shareholders, like me, buy Vanguard’s funds and the funds own the company. What that means to me is that I get the benefits and reap Vanguard’s profits in the form of low cost funds. Low cost funds mean that, over the

My experience with Etrade

In 2012 I wanted to start playing around in the stock market, so I opened up an Etrade brokerage account and transferred around 10,000$ into it. The website itself is extremely user-friendly and pretty easy to navigate. I dabbled, somewhat aimlessly, in buying individual stocks and losing on some, gaining on others. I wasn’t trying to make millions overnight, I just wanted to try to see if I could actually make a consistent, steady source of income by trading every

Investing Fail: American Funds

In the Summer of 2009 I graduated from college and started work as an engineer in the Boston area. I lived WELL below my means, living in a 400 sqft room, biking to work, taking advantage of free food left in the common areas and almost always eating at home. All this meant I was able to pay off my college debt around September 2009, and the joy I had from being debt free made me want to have my

How I started investing

My senior year in college I attended a church that offered Dave Ramsey’s Financial Peace University class, I followed along the classwork and that material really focused on alot of topics, but the class that stood out to me was getting out of debt. Having almost no money in my pocket along with student debt that was in the tens of thousands, I focused all of my attention and efforts into getting out of debt, determined that I would not carry along college debt into

How my wife ruined my (working) life!

Hey, I just met you, and this is crazy, here’s my number, let’s get married. This is really where my journey starts. I met my beautiful wife in July 2014 and instantly knew she was the one for me!. I was working overseas at that time so our engagement was VERY long distance. After proposing to her a week after we met, we decided to get married in December 2014. (“well that escalated quickly!”….yes I know….I finally met someone I