Why I’m Not Paying off My $300k Student Loan Debt

So when my student loan post first came out sometime last year (2018), I received a lot of attention and mixed feedback. To this day,  I still get the sporadic suggestion to aggressively pay off this debt or the ‘you’ll never retire early with that much debt.’ Thanks? Pay off $300,000 of unsecured debt? Honestly, …

Budget Wars: My Early Retirement Journey vs A Purple Life

I have been enjoying reading A Purple Life’s journey and thought she’d serve as a good metric in the frugal FIRE since there are not many published single girl budgets out there. While so entitled, this is not actually a war. I just like data! After my end of year financial update, I thought I …

Announcing My Guilt-Free 2019 Budget Projections

Today is Dec 15, 2018 and it’s ten days till Christmas. Yippee. With season’s greetings come feelings of reflections of the year. I tend to live in the future (not the moment). I’ve already taken a sneak peek at this year’s income and expenses, and I have so many thoughts. I have so many thoughts …

#1 Way to Save 100k in Your 30s

I have been in the PF blogosphere for awhile now and have gorged on net worth updates and debt payoff stories. Much to my own chagrin I even published my own debt payoff story. I harbored some reticence because I didn’t think the story was really much of an underdog story, but other bloggers had …

Single Girl Money | Sep 2018 Savings and Investment Update

Hey there! 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 …

Single Girl Money | Sep 2018 Income and Expenses Update

So I’ve been experimenting with lots of different spreadsheets in the last few months.  Check them out here and here.  I used my June 2018 income and expenses to tryout a few more. It turns out Microsoft Excel has loads of templates to try. It’s been really neat to see it all visualized in so …

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 …

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 …