Blog Posts

Reader Case: My Irresponsible Parents Are Destroying My FI Plans!

“Hi guys, I am one of your Asian readers from Hong Kong and have just finished your book and most of the content on your blog! Very inspiring and thanks for letting me know the concept of FIRE at a relatively young age. Age: 24-year-old female, graduated last year, single Income: Gross HKD 336,000 annually; HKD 315,968 annually after tax and MPF* (mandatory retirement account contribution) Debts: no debts or loans Rents: $0 as I live with my family (mum, dad & younger sister) Monthly expenses: HKD 16,000 ($8K as my expenses and another $8K as housekeeping money) Insurance: don’t […]

How To Travel via Food

“Don’t look outside.” “Huh?” I replied back, rubbing the sleep from my eyes. “Why?” Then I saw it. Overnight, Toronto had its first major snowfall of the winter, dumping upwards of 10 cm of the white stuff onto two financial independent early retirees who were taking it with the grace and calm befitting their years and wisdom. “God DAMN it!” “Waaaaaah! I want to go back to Asia!” “This is BULLSHIT!” When FIRECracker and I retired in 2015 and started travelling the world, one of our shared life goals was, and I quote, “to never seeing another goddamned snowflake in […]

The Eight Stages of Early Retirement

When we first retired in 2015, I had a very different version of retirement in my head. The picture in my head looked something like this: Hand in notice Give my boss the finger Tap dance out of the office Travel the world. Be happy forever. Reality turned out a little differently. Instead of tap dancing out of the office, I hoofed it back to my desk worried that I’d made a huge mistake. All around my co-workers continued answering e-mails, rushing off to meetings, scurrying around doing “important things,” completely oblivious. Later that night, I woke up in a […]

Joe Biden Wants to Change 401(k) Plans

A little over two weeks ago, Joe Biden was projected by every major media outlet to become the 46th president of the United States. Predictably, the current occupant of the White House and his supporters took it super well, taking to the airwaves to claim he won the election and challenging the results in court, alleging massive voter fraud. All of that sound and fury, however, has so far resulted in nothing. Over thirty lawsuits filed by the Trump administration have been thrown out because they have not shown any evidence of voter fraud affecting enough votes to sway the […]

Let’s Go Exploring! Boston

People call it the Boston accent. It’s not an accent. It’s a whole city of people saying most words wrong. Louis C.K. When we landed in Boston Logan International Airport back in 2015, I was trying to mentally prepare myself for Boston and the weird way they mispronounce every second word, and admittedly at first we did find it kind of jarring, but after about five minutes our reaction to the Bostonian accent morphed from “annoyance” to “hilarious.” Notable examples: Lady walking around parking lot with her husband: “Where’s the caaahhh?” Twenty-year-old at a bar: “I go to Haaahhhvard.” Older […]

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