Life is short, so live a little…they say

“Life is too short.  I wanna have some fun now.”  Or, maybe it goes something like “Life’s short, live a little”.  However it is said, the underlying point remains pretty clear: don’t delay your ability to spend some serious cash.  After all, “life is short”.

And you know what?  I agree.  I 100% agree that life is too short and, well, let’s have some damn fun before it is too late, shall we?

Working until you are 60 or older does not sound like much fun to me.  Life is short, so why spend the most productive years of your life in an office?  Live a little, damnit.  Live!

Courtney and me on a San Francisco brunch cruise
The wife and me in San Francisco

To me, the best way to ensure a lifetime of having fun is to not work a day past your 40th birthday (or, perhaps better said, be financially independent by then).

Imagine for a minute hopelessly trying to blow out that trick candle that one of your jackass friends placed on your 40th birthday cake and thinking to yourself how freakishly awesome life is going to be in your 40s and beyond not commuting into an office, answering to managers, filling out status reports or delivering PowerPoint presentations.  Ladies and gentlemen, this sounds like a hell of a lot of fun to me! Continue reading “Life is short, so live a little…they say”

Planning our retirement by the numbers

If you have been a reader of Think Save Retire for any amount of time, you probably have a general idea of our plans for the future. Save, buy townhome in Sedona, pay off townhome in Sedona, move to Sedona, eventually buy our home in Sedona and rent out townhome to cover home costs. Live happily ever after.

Throw in figuring out side income streams, traveling across the US in an RV and other assorted randomness and you’ve just about got it. However, through all this online talk, there is something that has been missing – the numbers!

Okay, this might get a little messy.  But you’ll love it, I promise! Continue reading “Planning our retirement by the numbers”

Want to retire young? Believe it or not, you already know how it is done

Let’s face it – the large majority of Americans know how to retire young.  Most of us know that to retire significantly before our 60s, we must save our money rather than spend it.  Ultimately, it is the accumulation of wealth that enables us to quit our jobs and live out the rest of our lives in jobless bliss.  Truthfully, this isn’t rocket science.

Many-a-finance article, especially through our mainstream media, publish seemingly helpful tips and techniques to help you retire before you hit 60.  Things like savings and investing in the stock market, utilizing your company’s 401k plans, generally not spending on shit that nobody really needs.  Same stuff, different day…over and over again.  Almost never anything new. Continue reading “Want to retire young? Believe it or not, you already know how it is done”

Runaway credit destroying American retirement

It is no secret that the spending habits of traditional Americans are not all that pretty.  Way too many Americans find themselves in a position where retirement seems like a lofty goal only accessible by either the old or lucky, and that most people – including them – are “regular Americans” just trying to get by in a harsh and unforgiving economy.

Click for full version
Click for full version

Sadly, this poisonous thinking keeps way too many Americans accepting their 40 to 50-year jail office sentence.  But in truth, the only elements of spending and saving that are harsh and unforgiving are the things that Americans insist on blowing their money on – or in other words, discretionary spending.

In 2009, Americans spent a whopping $1.13 trillion on this type of spending.  First world problems, anyone?

A recent ConsumerReports.com study offers up a sad graphic that depicts American foolishness with money quite well.  How are Americans actually spending their money?  Good question, and I’m glad that you asked. Continue reading “Runaway credit destroying American retirement”

Would you pay $164k a year to live on a cruise ship? This woman would!

I started this blog as a way to keep myself honest and focused towards financial independence and early retirement.  Within these pages, I preach mercilessly about frugal non-ridiculous living, minimizing expenses and downsizing your stuff.  But yet, I somehow can’t help myself but completely support a woman’s lavish lifestyle on-board a luxury cruise liner. A … Continue reading Would you pay $164k a year to live on a cruise ship? This woman would!

My retirement Renaissance: A journey from insane spending to retirement saving

Audio introduction

There once was a dude from the southeast who thought that life could be broken down into a few simple constructs: get a job, buy stuff, retire and die.  Yep, that dude was me.  Early retirement?  Not in the cards.  401k retirement plan?  Sure, but only the minimum.  Retirement was the furthest thing from my mind.  After all, I had stuff to pay for! Continue reading “My retirement Renaissance: A journey from insane spending to retirement saving”

Is that Starbucks worth another decade of working?

During my [now old] commute into work every morning, I rode by a Starbucks coffee shop whose drive-through line would not only wrap around the building itself, but out into the main road.  Every morning, drivers line up outside of Starbucks anxiously awaiting that $5 to $6 cup of coffee only to commute to an office or work place that likely already has coffee available. Continue reading “Is that Starbucks worth another decade of working?”