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Our 2018 Finances Part 2

Our 2018 financial review continues after Part 1, where FIRECracker detailed our annual spending. Today, we’re going to talk about how our portfolio did, and the transactions we performed to fund next year’s living expenses. How did it perform? At the end of 2018 and the beginning of 2019, the financial media tried to sum up the overall year for stock investors. The more polite ones called it “challenging.” The less polite ones called it a cluster-fuck. And with good reason. December was an especially wild ride, with the Dow swinging up and down 300+ points more times than I […]

How to Become FI with 6 Kids, Zero Privilege, and a Small Salary

After our “what do you want to read about” poll, I heard you all loud and clear. All guest posts all the time! Seriously though, you will like this guest post I swear (also I had this post scheduled before I ran the poll so deal with it) Anyhoo…today, I want to introduce you to a very special person I met at Fincon. I didn’t know her background at the time, or the fact that she become financially independent at 32— despite growing up poor, like me, and never having a 6-figure salary. She even managed to become FI, while raising […]

Our 2018 Finances

Back in 2015, if you had told us it would cost us LESS money to travel the world than live in Toronto, I would’ve thought you were nuts. Everyone KNOWS travel is expensive—I mean, why else did we shell out $5000-$10,000 a year on a 3-week vacation while we were working? It wasn’t until we started traipsing around Europe and Southeast Asia that we found out what a racket the vacation industry is. We were able to visit 19 countries (even expensive ones like Denmark, Switzerland, and the UK!) for only $40,000 CAD or $30,000 USD a year for the […]

Happy New Year 2019!

It’s New Year’s Eve! Now, I know some of you are getting the champagne ready, and we’ll be heading out to a bar tonight, but before getting the party started, we like to reflect on the past year and think about what we want to accomplish in the new year. If you recall, around this time last year, Wanderer and I were working on a non-fiction book proposal, which eventually sold to Penguin Random House! Our first draft was accepted and Quit like a Millionaire will be published in 2019! Since this was our 2018 New Year’s resolution, I’m pretty […]

You Can’t be On FIRE if You Can’t Stand the Heat

“The markets are crashing, this whole FIRE thing isn’t going to work!” “The world is going to end! 2008 is happening again, we’re all going to be screwed!” “A recession is coming! Should I sell everything in my IRA?” These are just some of the comments, messages, and e-mails we’ve been getting lately. With the S&P 500 down 11% since the the beginning of the year and 18% from the peak, I can see why readers who haven’t been through a market crash would be spooked. But here’s the thing about becoming FIRE. You can’t be on FIRE if you […]

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