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The Perfect Storm – Demonstrating Conflicts of Interest With Investment Advice

I began writing about personal finance to create a positive outlet for the anger, regret, and pain I experienced because of investing mistakes I made as a young professional. I became a consumer advocate to help others avoid repeating my … [Continue reading]

The Worst Investment Advice I Ever Heard–Everywhere

My financial story creates an interesting juxtaposition, as I recently shared with Steve Chen on the NewRetirement Podcast. On one hand, my wife and I did many things well with our money. We achieved financial independence quickly, allowing me to … [Continue reading]

My Retirement Income Taxes: 2018

Form 1040 with pen and glasses

A few weeks ago I completed and filed my returns for the 2017 tax year. Once again, without much attention to the matter, I paid very little in taxes. And, once again, despite what many financial professionals will tell you, I didn't find taxes … [Continue reading]

April 2018–Best of the Web

It's time to explore the best articles from around the web to help you save more, invest smarter, and retire sooner. This month we start with articles focused on one of our core principles, keeping your finances simple. We also look at times when … [Continue reading]

Exploring the Pros and Cons of Retiring Before Your Spouse

I recently made the decision to retire early. My wife did not. She continues to work the same number of hours at her same job. Our path enables me to be free of a job I was burnt out on, improves family dynamics, and allows us to live with … [Continue reading]

Deciding to Retire With High Market Valuations And Low Interest Rates

A combination of high stock valuations and low interest rates creates a challenge for investors contemplating where to deploy their capital. This environment is especially scary for those approaching retirement, worried about retiring at the wrong … [Continue reading]

Leaving a Prestigious High-Paying Career in Your Early 40’s

The following is a guest contribution from blogging friend Physician on FIRE, an anesthesiologist transitioning to early retirement. Physician on FIRE focuses on issues facing high earners looking to retire early. His writing combines technical … [Continue reading]

Doing Good Better with Your Money

offering gift

This blog has always focused on saving more, investing smarter, and retiring sooner. It's about living your financial life efficiently and effectively so that you reach your goals, and reach them sooner. But there is more to life than getting … [Continue reading]

March 2018–Best of the Web

March is supposed to come in like a lion and go out like a lamb. As the month winds down, neither weather or financial markets are looking docile. Each is a great excuse to grab a hot cup of coffee, get in your most comfortable chair, and explore our … [Continue reading]

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]