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The Multi-Level Marketing People are Upon Me!

July 21, 2018 By ESI 45 Comments

When we lived in Grand Rapids, Michigan I was used to getting a multi-level marketing (MLM) pitch on a regular basis. After all, we were in the home of Amway, the mother of all multi-level marketing companies. It took me a while to catch on to their system. After all, they were a finely trained army of network marketers and I was an innocent lad just trying to help … [Read more...]

Filed Under: About, Earn

My Financial Independence Numbers

May 19, 2018 By ESI 40 Comments

When did I reach financial independence

One of the things (maybe the only thing) I dislike about Mr. Money Mustache and the swarm of like-minded individuals he spawned with his philosophy is that he didn't come around 20 years earlier. If he had, I would have been retired much earlier. But in my generation, retiring early was at 60. Now it's somewhere around 40. If I had known that there was a different way … [Read more...]

Filed Under: About, Financial Independence

Grand Cayman Trip and Tips, Part 4

March 9, 2018 By ESI 18 Comments

Today I'm going to wrap up the details on our recent trip to Grand Cayman. In case you've missed any part of this series, you can start with Grand Cayman Trip and Tips, Part 1. As you'll see, we shifted into cruise control and simply relaxed our last couple of days. Now, let's continue on with our journey... Sunday, January 14 I was wakened at 6 am today by the house … [Read more...]

Filed Under: About, Travel

Grand Cayman Trip and Tips, Part 3

February 28, 2018 By ESI 5 Comments

Today I'm going to continue sharing about our recent trip to Grand Cayman. In case you've missed any part of this series, you can start with Grand Cayman Trip and Tips, Part 1. Now, let's continue on with our journey... Thursday, January 11 This was the best day of the trip. We didn't do much in the morning -- just sat around and chatted. We had hamburgers for … [Read more...]

Filed Under: About, Travel

Grand Cayman Trip and Tips, Part 2

February 21, 2018 By ESI 21 Comments

Today I'm going to continue sharing about our recent trip to Grand Cayman. In case you missed the first post in this series, check out Grand Cayman Trip and Tips, Part 1. Now, let's continue on with our journey... Monday, January 8 When we were planning our trip to Grand Cayman (after we had already selected the dates) we found a site that listed all the cruise ships … [Read more...]

Filed Under: About, Travel

Grand Cayman Trip and Tips, Part 1

February 16, 2018 By ESI 11 Comments

As I detailed last week, we took a trip to Grand Cayman in January. Over the course of a few posts (which I'll spread out a bit) I'm going to detail what we did, give some tips for making the best of a trip to the island, and throw in a few pictures for fun. I'll list the events by day and put in tips where they seem appropriate. How We Roll Before I get into specifics, … [Read more...]

Filed Under: About, Travel

Retirement 18-Month Update

February 2, 2018 By ESI 78 Comments

When I gave my one year retirement update I said that I'd probably only give updates once a year or so. But I've been so busy since I retired that if I wait a year then my update post would read like a book! ;) So I'll be giving semi-annual updates just to keep you in the loop. To make this summary easier to read, I've put my thoughts into categories. Here's what's … [Read more...]

Filed Under: About, Retirement

2017 Financial Year in Review and 2018 Forecast

January 26, 2018 By ESI 48 Comments

At the end of each year I like to dig into my finances to do a bit of a review. Since I have all my numbers in Quicken, it's pretty easy. And I thought you might find the results interesting -- so I'm turning it into a post! As a reminder, 2017 was my first full year of retirement, so it provides a good insight into how our finances might play out over the rest of our … [Read more...]

Filed Under: About, Retirement

Our Latest Timeshare Adventure

December 27, 2017 By ESI 78 Comments

Has anyone ever taken a timeshare deal? It usually goes something like this: The timeshare company gives you some sort of great deal/offer In exchange you agree to listen to a pitch about their company and what it offers Obviously this must work because companies keep doing it. And what's really the risk anyway? Often the offer is something that costs the … [Read more...]

Filed Under: About, Real Estate

Why I Bought Rockstar Finance

December 18, 2017 By ESI 138 Comments

It's my pleasure to announce that I have purchased Rockstar Finance. If you're a blogger or deep into the personal finance blogosphere, you likely know what Rockstar Finance is. If you're simply kinda interested in personal finance and reading a few blogs, you might not. So in this post, I'll tell you what Rockstar Finance is, why I bought it, and where it goes from … [Read more...]

Filed Under: About, Earn

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