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Here’s our latest interview with a millionaire as we seek to learn from those who have grown their wealth to high heights. If you’d like to be considered for an interview, drop me a note and we can chat about specifics. This interview took place in March. My questions are in bold italics and their responses follow in black. Let’s get started… OVERVIEW How old are you? I’m 51 years old and have been married for 22 years. My […]
Our monthly Singapore expense report for May 2026. A $1,223 annual hosting bill landed in one go, yet total expenses stayed within $5 of the trailing 12-month average, and a dividend cluster pushed the month to a $1,002 surplus. As always: track everything, watch the trailing 12-month average, ignore single months. The post FIRE Trial Expense Report — May 2026: A $1,200 Hosting Bill But The Month Stayed Green appeared first on Turtle Investor.
Hello friends. I hope you’re enjoying the summer break as much as my son is. RB40Jr just wrapped up an incredibly busy freshman year of high school. Now, his main goal seems to be playing video games until 3 a.m. and waking up at noon. Actually, I have no idea exactly how late he stays up because I’m out cold by 11 p.m. Life is sweet for a teenager when school is out. Things are going pretty well on my end, too. My glacial pace transition to full retirement is almost complete. I left my engineering career way back in 2012 and have been meandering toward the finish line ever since. This year, I dialed back on blogging to once a month and cut way down on my catering delivery side gig. That translates to about 15 hours of work per month. These days, I’m staying busy with pottery, ukulele, home repairs, and just goofing off. However, I do have a bit of a confession. The Post-FIRE Reality Check Cutting back on blogging totally killed my interest in the FIRE movement. When I was writing more frequently, I sought out other FIRE blogs and articles for inspiration. Now? I rarely look at personal finance content online. The internet has changed tremendously due to AI. Everything is served up on a silver platter, and old-school blogs are becoming irrelevant. Ouch, that’s kind of harsh. It’s still good to read real experiences from real people. AI doesn’t have that real-life experience we can relate to. Truthfully, it’s been a struggle to write lately. Writing less often means the words don’t flow like they used to. I don’t really know what to write about either. At this point in my life, the financial equation is pretty much solved. We spend less than 3% of our net worth and live a comfortable, moderate lifestyle. The only major financial challenge left is minimizing taxes during our withdrawal phase. That’s a pretty boring long-haul project. Life Beyond the Numbers I still have plenty of challenges, but they have nothing to do with money or FIRE. They are simply about midlife. The Sandwich Generation Dilemma: Mrs. RB40’s parents are older and need more assistance. She has been spending about half her time down in California to help them out. This is a challenging situation for us. RB40Jr gets along with his mom, and he needs her around. Long-Distance Family Support: My dad is also getting older and needs more support. Earlier this year, he underwent radiation treatment for prostate cancer. The prognosis is good, but he feels weaker than ever. I want to be there to help him recover, but I need to be here for my son during the school year. Fortunately, my dad has a younger “friend” who is stepping in to help. I’m heading to Thailand soon to see what I can do. Teenage Life: RB40Jr had a tough freshman year. He loaded up on challenging classes and activities, and
In this week’s stock market outlook, Joel Wenger examines the current market trend, price performance, and headline risks.
Retirement Spending: Smile or Lumpy Expenses? By the time your spreadsheet says ‘you’re safe,’ the go-go years are already half gone. Future expenses are a major puzzle in retirement. How much money will you need to spend in the future? […]
It appears to be an overlooked part of retirement planning. While we should always invest within our risk tolerance level we should also match our investment portfolios to the retirement cash flow plan. The plan gives the marching orders for each account. If you create a portfolio to plan mismatch, you could increase the risk of depleting an account too soon. On the other side if you are too conservative where an account has the […]
It’s officially summer! This year, more than ever, I would love to be able to freeze time and make this an endless summer. Find out why in this week’s edition of The Sunday Spark, along with what’s buzzing at Michigan State, shocking storage unit stats, and transforming waste into clean hydrogen. The post The Sunday Spark – Can we make this an endless summer? appeared first on Boomer Eco Crusader.
When jet fuel prices shot up this spring, airlines responded by raising their ticket prices and fees. Now fuel costs … Read more
Recently, we’ve had eight of our grandchildren here at one point or another. Some stayed for a few days, some stayed for a week, and while it certainly made for a busy house, it also reminded me of something important about frugal grandparenting: Creating meaningful summer memories doesn’t have to cost a fortune. With the cost of nearly everything going up these days, it’s easy to feel pressure to spend money on entertainment. Grandparents want […]
Chocolate covered jam pucks feature a homemade jam made with tart raspberries sweetened with monk fruit and thickened with chia seeds. Topped with silky and decadent chocolate, they’re sweet and satisfying and have a solid, crisp exterior that yields a soft, jammy center when bitten into. What Is Chocolate Covered Jam? Mash raspberries into a paste, and combine them with monk fruit sweetener and chia seeds. Then, form the mixture into frozen pucks. Finally, top each piece with melted chocolate, and you’ve got yourself a nourishing homemade treat! The chocolate is made extra silky with the addition of coconut oil. Combined with the texture of the chunky jam, this recipe is guaranteed to satisfy your tastebuds. Made with nutritious, whole-food ingredients, and portioned into individual servings, chocolate covered jam is the perfect snack or dessert that’s unlike anything you’ll find in the store. Dessert lovers, this healthy recipe is for you! Is Chocolate Covered Jam Healthy? Let’s look at the main ingredients: Raspberries Coconut oil Monk fruit sweetener Chia seeds Semi-sweet chocolates Raspberries, coconut oil, and chia seeds are nutritious food sources. Each has its own list of health benefits. Add them to snacks, desserts, smoothies, and more to improve the texture and add extra health benefits which you can read more about here. But what about the added milk in chocolate chips? Is dairy healthy? Here’s what we know. Dairy is full of vitamins, minerals, protein, and natural fat energy. But if everyone consumed dairy all the time, dairy farming would become abusive and unsustainable… Let’s be mindful of our dairy intake. Buy dairy that comes from pasture-raised cows and limit consumption. Sugar is what makes food unhealthy. Add an additional 205g of sugar to this recipe (26g/”jam puck”), and you’re looking at heartburn with an energy crash. (And you’ll be scouring the pantry for your next sugar snack within the hour.) Substitute the sugar for quality sugar alcohol, and this dessert becomes nourishment. The ingredients provide vitamins, minerals,
The Early Retirement Tax Trifecta: How to Balance Roth Conversions, Tax-Gain Harvesting, and ACA Subsidies When You’ve Oversaved You retired early. Congratulations. You also oversaved in pre-tax retirement accounts. The classic first-world problem. Here is the early retirement tax trifecta: […]
You can’t take it with you. Make enjoying your retirement a top priority. Read more in this week’s terrific links. Don’t turn your retirement into another project. Use Your Wealth Your retirement plan is meant to be changed. Meaningful Money The Middle Class is shrinking because they’re moving up in the world. A Wealth Of Common Sense We may already have an ant-aging vaccine. Real Clear Science Qu…The post I Don’t Like Mondays…..When Is My Retirement? appeared first on A Teachable Moment.
Save, invest, prosper with My Own Advisor. May 2026 Dividend Income Update Hi DIY Investors! Welcome to a new month and our new tally: our May 2026 Dividend Income Update. For established readers and some new readers that recently joined my free newsletter (thanks folks!), this is our monthly update to share how we are progressing with our hybrid portfolio now in… Early retiree thanks to DIY investing in stocks and ETFs. The article May […]