Welcome to Retiring On My Terms

Welcome to my blog, Retiring On My Terms.

In the interest of full disclosure, I want to be up front about what I believe are three key requirements to achieve financial independence and/or early retirement (FIRE):

Earn more.

Spend less.

Productively invest the difference.

I recognize this view is nothing revolutionary.

So why should I read what you have to say, you ask?

Great question!

Like every writer, I bring a different perspective than others to solving this equation. I hope parts of my background resonate with you, and that my postings make you want to read more.

I am married, and in my mid-40s, with two elementary school aged children. My wife has worked as a stay at home mother since our first child was born.

I work full-time. Besides my paycheck, our only income sources are interest and dividends. We own no rental real estate, and we don’t have any side hustles.

We live in a relatively expensive area of the United States. Although we generally purchase conservatively, our spending levels are less Spartan than those of many other FIRE bloggers.

I have a different perspective on investing than many others. I believe much of the conventional wisdom you have heard is correct. But I don’t think 100% of your portfolio should be in index funds.

I intend to retire from the full-time workforce before I turn 50, and before either of our children will be college age. We intend to pay for a significant portion of their college expenses, if that is the path in life they decide to pursue.

I hope you enjoy following our journey, and look forward to your thoughts.

Thank you for reading!

2 Comments

  • Payton

    November 26, 2017

    I just wanted to say that I’v read several of your blog posts and I think your doing a great job. I just started my own blog and its ALOT harder than I thought it would be. Keep up the good work and I’m looking forward to your future posts.

    Reply
    • ROMT

      November 26, 2017

      Thanks for stopping by Payton. It is a lot harder than it looks, as evidenced by my lack of posts over the past few weeks. But I plan on fixing that soon! Best of luck with your new blog, I look forward to following your journey!

      Reply

Leave a Reply