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ESI Scale Financial Independence Calculator

July 11, 2018 By ESI 32 Comments

ESI Scale financial independence calculator

Well, here we are again -- I have yet another financial calculator to share with you. And this one is the granddaddy of them all! Just so everyone is on the same page, I've recently introduced two new calculators. One deals with the impact growing your career can have on your finances while the other answers the question, "When can I retire?" I love these … [Read more...]

Filed Under: ESI Scale, Financial Independence

When Can I Retire? When Will I Be Financially Independent? A Retirement Calculator Guide

June 27, 2018 By ESI 75 Comments

Do you have enough to retire

I get a lot of questions about retirement. This might not come as a surprise to you since I write so much about the topic. Most of the questions are one of these two: 1) When can I retire? (Yes, literally that simple.) and 2) I don't think I have enough to retire. What do you think? (This is really just another form of the question above.) I have penned several posts … [Read more...]

Filed Under: Financial Independence, Retirement

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

Maxing Out a 401k and Early Retirement

January 24, 2018 By ESI 56 Comments

In my post titled Three Sentences that Lead to Wealth, I made the following comment: The 401k up to the full match is a no-brainer. After that, it depends what you are trying to accomplish and by when. I maxed out all my tax-advantaged accounts and wish I had put a bit of that money into taxable accounts for easier access. One reader responded to that with the following: In … [Read more...]

Filed Under: Financial Independence, Retirement

Money Resolutions Everyone Should Consider

January 1, 2018 By ESI 15 Comments

As regular readers know, I'm a New Year's resolutions guy. I set tons of resolutions each year, then develop steps to achieve them by the assigned timelines. Then I track them all on a spreadsheet I review daily. It's a bit over-the-top, I know, but it keeps me accountable and on track. I want to be sure I'm regularly making progress on what matters most to me. I … [Read more...]

Filed Under: Financial Independence, Self Improvement

If You’ve Won the Game, Stop Playing

December 6, 2017 By ESI 75 Comments

Here's an interesting quote I just recently ran into: If you've won the game, stop playing. It actually has a couple of iterations/similar quotes floating around the web but the idea is the same: if you've already reached financial independence (FI), you don't need to keep doing what you did to get there. In fact, if you do keep at it then your financial independence could … [Read more...]

Filed Under: Financial Independence

The Paradox of a Career’s Impact on Financial Independence

November 8, 2017 By ESI 58 Comments

Please, please, please do yourself a big favor, open your mind for just a couple minutes, and read this post. Doing so and taking action on it could net you millions in extra net worth and cut your time to financial independence (FI) substantially. That's worth a read and consideration, right? Yes, I'm Begging So why did I begin this post by begging you to read it? … [Read more...]

Filed Under: Career, Earn, Financial Independence

Where Does Giving Fit with Financial Independence?

November 6, 2017 By ESI 37 Comments

I read a hundred blogs on a regular basis, many of them in the FIRE (financial independence retire early) movement. As you might imagine, they cover a broad spectrum of money topics. I enjoy reading so many because they have such different and interesting perspectives. But even though I consume hundreds of posts each week, I rarely find one on giving. And I'm not … [Read more...]

Filed Under: ESI Thoughts, Financial Independence

Three Sentences that Lead to Wealth

November 3, 2017 By ESI 30 Comments

A few months ago the Freakonomics podcast ran an episode titled "Everything You Wanted to Know about Money But Were Afraid to Ask." A major part of the show featured the author of The Index Card: Why Personal Finance Doesn't Have to Be Complicated. The book, a best-seller for sure, basically said that everything anyone needs to know about money can be written on an index … [Read more...]

Filed Under: Books, Financial Independence, Net Worth

How to Reach Financial Freedom and Retire Early Serving in the Military

September 8, 2017 By ESI 46 Comments

The following is a guest post by Hank Coleman from Money Q&A. Hank is an Army Major on Active Duty with four years left until early retirement. When I retire from the Army in four years, I don’t plan on getting another job. I don’t plan on coming back to work for the federal government as a GS (government scale…we love our acronyms in the military, right?) employee or … [Read more...]

Filed Under: Financial Independence, Retirement

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