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Using Domestic Geoarbitrage to Retire Sooner

Geoarbitrage is a concept popularized by Tim Ferriss in his book “The 4-Hour Workweek.” Geoarbitrage sounds complex, but the principle is easy to understand and apply. Different geographic areas have different costs of living. Geoarbitrage is … [Continue reading]

The Best Options for Investing an HSA

The vast majority of people with Health Savings Accounts (HSA) use them as pass through accounts for the tax advantages they provide. Most people defer taxation on their earnings by contributing to the HSA, place the money in a savings account, and … [Continue reading]

Debugging Your Retirement Calculations

Magnifying glass over ladybug

"When a thing is done and past, even fools are wise at last!" —Homer Hindsight is 20/20. The further you go in life, the easier it is to look back and understand the results of your earlier decisions. Nowhere is this more true than … [Continue reading]

February 2018–Best of the Web

It's time to explore the best items from the internet from the past month that will help you save more, invest smarter, and retire sooner. Volatility has made a return to the markets, which has a lot of people thinking about risk management. Risk … [Continue reading]

A Closer Look at Using a Health Savings Account (HSA) to Save for Retirement

My initial introduction to Health Savings Accounts (HSA) came a few years ago. The Mad Fientist published an article titled “HSA - The Ultimate Retirement Account”. After reading his article I filed it away in the back of my mind. I didn't have … [Continue reading]

What If You Can’t Retire Yet?

Can I Retire Yet? It is pretty safe to assume that if you are reading this blog you have an interest in answering that question. There are common themes that cause people to start asking. Many of us feel the tension of never having enough time … [Continue reading]

Launching 2 New Retirement Calculators: Behind the Scenes

Can I Retire Yet Android Pro Net Worth

If you're an Android user, please take a minute to download our new Free retirement calculator from the Google Play Store. This simple, easy app gives you a quick snapshot of your retirement situation. You'll get answers in minutes. Or, if … [Continue reading]

My Retirement Flexibility Scale for Choosing Your Safe Withdrawal Rate

Playing marimba

Prospective retirees want a simple formula for making the retirement decision. Financial advisors, pundits, and salesmen would love to give it to them. And charge for it. But, sadly, it doesn't exist. Sure, there are calculations that will … [Continue reading]

January 2018–Best of the Web

I hope your year is off to a great start. We received some major publicity to start the year. Glen Ruffenach of the Wall Street Journal included Darrow among his favorite writers on retirement planning, placing him in very impressive company. Also, … [Continue reading]

The Fundamental Problem With Retirement Planning

I recently read “The Personal MBA” by Josh Kaufman. The book describes universal principles that can be applied to any business. As a student of personal finance and retirement planning, I saw many parallels between business principles described … [Continue reading]

5 Factors To Consider Before You Roll Over Your 401(k) To An IRA

During my working years, I invested regularly into my 401(k).  I chose to use my 401(k) to take advantage of the considerable tax benefits available to an early retiree. This consistent saving, combined with an incredible bull market over the last … [Continue reading]

Hello, I’m Not Mr. Money Mustache

I recently had the opportunity to sit down to dinner with a group of writers who focus on real estate investing and entrepreneurship. At dinner, I shared that I wrote about early retirement planning. I revealed that, at the time, I was a few weeks … [Continue reading]

My Investment Portfolio: 2018

Stock certificates - 6

The past year was one of the best of my investing career. And likely yours too. No complaints. But beware complacency. The Dow Jones Industrial Average returned around 28% including dividends for 2017. My very conservative and diversified … [Continue reading]

My Favorite Blogs: 2017

Sun Mountain

It's been a good year at Can I Retire Yet? And it's the season for reflection and thanks.... When it comes to this blog, I'd like to single out for special thanks my business partner David at Ekorau LLC, my colleague Stuart at Pralana … [Continue reading]

Why Taxes Matter for Retirement Calculations: The New Law

tax dollars

First, many thanks to the hundreds of people who downloaded and tried our new Free retirement calculator for Android, and to those who have purchased the Pro version. We appreciate the support and positive reviews! We're committed to making … [Continue reading]

How to Hedge Your Retirement Plan

stopping dominos

The following is a guest contribution from blogging friend Stephen Chen, the founder and CEO of NewRetirement, an online retirement planning service focused on helping people prepare for and make the most of their resources in retirement. Steve's … [Continue reading]

10 Steps to Investing Success

white stairway

"...the issue isn’t managing your investments, it’s managing yourself while you manage your investments." --Charles Hugh Smith I started investing in my mid-30's and became financially independent at age 50. Over that time, I learned much, had … [Continue reading]

Deciding Whether to Take a Pension Lump Sum: The 2 Opposing Methods

Counting out coins from jar

The following is a guest contribution from reader and fellow blogger Grumpus Maximus, a 40-something U.S. military officer with 18 years of active duty service under his belt. Grumpus has recently realized that, with some minor lifestyle adjustments, … [Continue reading]

The 3 Great Misconceptions About Retirement Saving

Pyramids at sunset

Retirement planning can be hard. Annuities, estates, health care, retirement calculators, safe withdrawal rates, Social Security, taxes. There are many pieces to a successful retirement plan. But almost all of those topics boil down and feed … [Continue reading]

A Flexible Plan For Health Insurance In Early Retirement

Health insurance puzzle

Health care costs present a major planning challenge for a pending retiree. The earlier one would like to retire, the more daunting the challenge of bridging the gap to Medicare eligibility. America has the most expensive health care system … [Continue reading]

Managed-Payout Funds: One-Stop Shopping for Retirement Income?

dollars on dish

The holy grail of retirement income is guaranteed, inflation-adjusted payments that last a lifetime, with principal left over. Annuities offer that kind of lifetime income, at the cost of giving up your principal. But true inflation-adjusted … [Continue reading]