Blog Posts

Let’s Go Exploring! Galapagos Part 2: The Giant Tortoises of Santa Cruz

This is Part 2 of our trip to Galapagos. Click here for Part 1. One of our bucket list items for the Galapagos is to see a giant tortoise. After all, the word “Galapago” literally means “saddle”–a term used to describe the shells of the tortoises they were famous for.  Also, they are particularly special, as there are only two places in the world were you can see them—Galapagos and the Seychelles in West Africa. Since we spent most of our time on San Cristobal island with the seals and sharks, when we left for Santa Cruz island, we made […]

The Yield Shield: Dividend Stocks

This header image may be confusing to most of you when talking about dividends, but by the end of this article it will all make sense, I promise. Today we will be rounding out our article series on the Yield Shield. So far, we’ve discussed three pillars of the yield shield, which are: Preferred Shares Real Estate Investment Trusts Corporate Bonds Today we will be discussing the 4th and final pillar of the Yield Shield: High-Dividend Stocks. What is a Dividend? To give some background, as a company grows and makes money, they can basically choose to do two things […]

Friday Reader Case: How Should I Position My Portfolio For Retirement?

Hey hey hey! It’s Friday, so it’s time for a reader’s case! Hi FC! I’ve been studying FIRE seriously since 2014, and I was hoping to pull the plug next year, or at least seriously decrease my day job, so I can work on my side hustle and enjoy time with our kids. Most people our age are in the accumulation stage and think I’m nuts. My husband is willing to work for another year or so, but is increasingly interested in FIRE also. My gross income $182,995.66 + side hustle (haven’t calculated this past year, but usually <$10K) Husband […]

How to Build a Profitable Side Hustle

One of the best things we did before retiring was learn to write. Even though it took us over 100 rejections, 7 years of blood, sweat, and tears to finally publish a children’s book, and I’ve wanted to quit so many times I lost count but I don’t regret it for a second. And while publishing a children’s novel never paid enough for us to quit our jobs (an acquaintance once asked “are you able to retire because of your children’s book?” and I laughed so hard I fell down), it did help us develop the skills we needed to […]

Let’s Go Exploring! Galapagos: Sea Lion Shenanigans and Swimming with Sharks

It took us 19 hours of flying, 8 hours of layover, 4 flights, and a Hell of a lot of turbulence to get to the Galapagos. So when I stepped off that plane, exhausted and cranky, I thought “this better be worth it”. Half an hour later, after dropping off all our stuff, we took a short walk from our AirBnb on San Cristobal to the beach. The second our feet hit the soft, golden sand, Wanderer pointed excitedly towards the rocks near the water. “Whoa, I think I see a sea lion hiding behind that rock!” I laughed, took […]

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