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Category: Our Story

Emergency Funds – Is It Time To Change Again?

Emergency Funds – Is It Time To Change Again?

We have been pursuing Financial Independence for just about 4 years now. We were semi-frugal in our lifestyle and borderline valuist in our choices for a while before that though without knowing that we were doing anything special. About 10 years ago we read some financial article somewhere that everyone should have an emergency fund. We had been living paycheck to paycheck at the time so the concept was foreign to me. Savings, emergency funds? These were things spoken about…

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You Can’t Plan for Everything, But You Should Still Try

You Can’t Plan for Everything, But You Should Still Try

When this COVID-19 outbreak started getting serious in the US a few weeks back, my wife and I quickly came to the realization that we were both in very “non-recession-proof” industries. She has been at the same role with an oil and gas company for the last 9 years, doing geotech / GIS work. When oil prices cratered at the end of 2015, the company that she works for had to do massive layoffs, just like many others in the…

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Looking Back This Will Feel Different

Looking Back This Will Feel Different

When I think back to the “Great Recession”, I find it hard to remember how I was feeling about it while it was happening. At the time that the recession began in early 2008, my life had already been turned on its head. I had moved from Pittsburgh where I had lived my entire life down to Northern Virginia to move in with my then-girlfriend. We were expecting our first child in May of that year. I was in a…

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Day 10 of The Rest of Our Lives

Day 10 of The Rest of Our Lives

As with most everyone else in the county / state / world, the last 10 days have been completely alien for us. We never really went out as a family often anyways, other than to visit family or go on hikes, so this social distancing / almost-lockdown is not a big deal. Also, I have been used to working remotely – my current employer allows us in-office folks to work remote 2x per week and we even had a 3…

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Downsizing Our House, Upsizing Our Family

Downsizing Our House, Upsizing Our Family

Shortly after discovering that it was possible to retire early, and more importantly discovering that we were about to add a sixth member to our family, we made the confusing decision that we needed to move to a somewhat more expensive, but probably smaller house. Despite not being crunched financially, we were in a hurry to find a new home for our growing family. Looking back now I could say that the house search went quickly because we wanted to…

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Moving On From Our Cheap House

Moving On From Our Cheap House

I have always been good with numbers and I don’t really care for bad financial surprises, so I have always tried to have a handle on whatever bad money news might come down the road by forecasting out our budgets. The following is an actual (but edited for pseudo-anonymity purposes) excerpt from an email that I sent to my wife right before we changed our budget / lifestyle – Current Mortgage Payment is $945 Ideally looking to move Fall 2019…

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How Coffee Led Us to FIRE

How Coffee Led Us to FIRE

In an attempt to shed some light on our personal story, I wanted to post these brief summaries of my past (both individually and together with my wife) as it pertains to finances. This is the third post in the series. When I was growing up, after a certain age, we were allowed to drink “pop” (or “soda” for you non-Western Pennsylvanians). It wasn’t shoved down our throats, but it was available in the house, and I drank a lot…

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Stepping into “Grown Up” Finances

Stepping into “Grown Up” Finances

In an attempt to shed some light on our personal story, I wanted to post these brief summaries of my past (both individually and together with my wife) as it pertains to finances. This is the second post in the series. My wife and I married in 2010 and bought a house in the same year – we managed to cover the down payment and closing costs mostly from a small loan from my parents and utilizing the First-Time Homebuyer…

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My Early Financial Background

My Early Financial Background

In an attempt to shed some light on our personal story, I wanted to post these brief summaries of my past (both individually and together with my wife) as it pertains to finances. This is the first post in the series. I grew up in a more or less middle class home in the 80s and 90s. My father was a pharmacist and my mother was a nurse and later a cardiovascular consultant. When I was very young, there were…

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Remembering My Mom

Remembering My Mom

So it has been just over seven weeks since the last time I posted on this blog. A few things contributed to this, but only one that I want to focus on today. About a month ago today – my mother lost her almost two year battle with cancer. More on that later, but first I want to speak to the person that my mother was and how she helped mold me into the person that I am today. I…

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