When Can I Retire? Case Study: Nola, MD

CASE: My first case study is a friend from college. She graduated with no debt from college due to an academic scholarship and generous parents.  By the end of medical school and residency, she had about $200,000 in student debt.  This brings us to now, almost 3 years after entering practice as a physician. Current …

My Alternatives to Returning to Work After Sabbatical

So for awhile now, I’ve been toying with the idea of taking a sabbatical in 2020. Why not, you say? Well the biggest mental hurdle is that if I waited until 2025, I’d probably be able to FIRE for good. Check out my budget calculations for more details.  I don’t think I’d be able to …

my early retirement journey - single girl diaries

Notes on Life | My Week Ending Aug 24, 2018: Fasting, F Bombs, Liar

Welcome back to My Early Retirement Journey. In case you’re just joining us, here’s a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I love watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. …

I Took A 3rd Look at My 401k and This is What Happened

So in the wee hours of the late night or early morning before a work day, I try to find just one more way I can accelerate My Early Retirement Journey. I know I can probably cut it down comfortably to 15 years from 30 years, but can I do just a little bit more? …

Poverty and You: How does your FIRE budget compare?

So in managing my elderly parent’s finances, I’ve applied for quite a few assistance programs and become familiar with the poverty level in America. I think a lot of us are familiar with the concept, but do you know what the actual level is..say even for your family of 2 or 3 or 5? What’s …

Comparing An Actual Retiree’s Budget to My Proposed Early Retiree Budget

I recently took over managing my aunt’s finance. It’s just paying her bills really because she “just doesn’t know how.”  Not only does this scare me about getting older and losing my ability to care for myself, but it brought up a curious case of, will my FIRE budget really work?. I recently decided my …

My Back to School Shopping and Life List

My body is rejecting my current level of inactivity. But obviously, like a human, instead of trying to fix the problem, I’m throwing money at it. I love back-to-school season anyway. It’s a new spring so to speak. Historically, I do better with structure and automation. The less decisions I have to make in any …