April 2018 Progress Update
In April 2018, our nest egg finished at 33.9% of goal. Our goal is a conservative 33x our current expenses, less a 0% interest car loan that will be paid off in January 2019. This goal anticipates a 3% withdrawal rate, as opposed to the 4% rate cited in the Trinity Study. Our mortgage is... Read More
What advice would I give myself 10 years ago?
With the benefit of hindsight, what would I tell myself ten years ago? There are many ways to approach an answer. Knowing what I know now, I’ll give Ms. Vine in April 2008 some advice. This is a somewhat silly exercise because many experiences along the way were valuable and shaped the me I would... Read More
Three ways a long layover can improve a vacation
A layover that allows a traveler to escape the airport and explore a city can enhance a trip. First, a layover can help fight jet lag. Second, it is the perfect way to preview a city. Third, it might add to your country count! We’ve seen a few cities on layovers to other destinations. How... Read More
Three reasons we hired a financial planner
The words “financial advisor” are almost profanity in the FIRE community. I understand why. For years, I believed we were absolutely capable of managing our investment portfolio and getting exactly where we wanted to go without paying someone else. That actually hasn’t changed. We did not hire a financial advising firm in hopes of beating... Read More
Five tips that help economy air travel feel like first class
This post may contain affiliate links. Please see our disclosure for more details. Travel upgrades are one of my favorite things. Our one experience in transatlantic business class was such a delight! But I'm also a travel cheapskate. Even when it comes to points, I choose frequency over luxury. Although first class travel is more... Read More
Why we downsized our home
The notion of frugality, or at least living below our means, wasn't exactly new to us. For example, we planned my grad school attendance to avoid taking out any additional student loans. But extreme savings and using minimalism to achieve financial independence in short order was a novel concept. When Mr. Vine and I decided... Read More
How Ms. Vine attended grad school debt free*
Our financial journey is a story of learning by doing. Early on, we made a lot of mistakes and sometimes it seemed like the good choices were purely happy accidents. But Mr. Vine and I are overthinkers. Analyzing the merits and faults of each decision has led to better and more intentional good decision-making. My... Read More