Category: Work

The Value of a Tiny Income

Funny thing, this financial planning stuff.  You are asked to guess, for the coming years or even decades, how much will you be spending every year, and how much income or growth will your money deliver, and also, when will you die! If we knew all of this with certainty, there isn’t much left to […]

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Financial Independence is Mandatory, Retiring Early is Optional

The title is a line I often use with friends and even in comments I leave on other websites.  There is no compulsion that financially independent people must retire early.  In math, there is a concept called ‘necessary’ and ‘sufficient’ condition for a given outcome.  Without getting into math, a real-life example will make the concept […]

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M.O.N.E.Y. for Nothing

Recovered from election fever yet? As I said before, we will be persistent and will progress forward no matter who gets elected. Can we get back to business and personal finance?  Good. Everybody wants money.  Okay, maybe not these disciplined Buddhist monks going to their prayer hall.    But even the slippers they wear cost […]

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How I Screwed Up My Early Retirement

Don't miss it!

  Don’t miss it!

Opportunities in life are like a train in an impoverished country.  You better get on it whenever you see one going in the direction you want. Otherwise, you don’t know when the next one will come!

This post is a confession of my screw up where I passed on a rare chance to retire early….real early.  Read this tale and avoid the mistake I made, so you can catch the express train to early retirement.  Otherwise, you never know if it will stop by your station again. (more…)

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