There is no such thing as good debt
There is no such thing as good debt for most people. Learn why even “manageable” debt still reduces cash flow, increases risk, and delays financial freedom.
Early Retirement
January 2026 Dividends and Portfolio Update
We made $1,849.42 in dividends in January 2026, and our portfolio is up $5,960.93 excluding the contributions and the dividends. A total increase of $7,810.35 excluding contributions.
One Expense I am Overlooking for Retirement and So Are You - Healthcare
Planning early retirement? Learn why healthcare costs are often overlooked, how they grow over time, and how to realistically budget for medical expenses without employer benefits.
Why 2026 Is the Turning Point
Feeling burned out right after time off can be a signal, not a problem to “rest away.” Here’s my 2026 plan to accelerate early retirement - mortgage changes, building a cash buffer, cutting expenses, growing side income, and shifting toward an income-focused portfolio.