Welcome to 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 late-40s, with two middle 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.

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

Thank you for reading!

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