Jim - Route to Retire

Should I convert paper gains to real assets? Is it time to take some chips off the table and buy some real assets? The AI bubble will pop at some point. #invest

"I want to let it ride, but I want to cash out some chips too. Is it time to start converting some of that paper gains to tangible assets?" -via Retire by 40

retireby40.org/should-i-con...

Transitions: Redesigning Your Financial Life - ESI Money One of my favorite parts of running the Millionaire Money Mentors forums is the people I get to meet. Every day, I’m inspired by members who have built wealth, made intentional life choices, and are g...

"Financial goals are inherently meaningless; they exist to be in service to our LIFE goals. Your financial plans should be dictated by your life plans – not the other way around." -via ESI Money

esimoney.com/transitions-...

Millionaire Wisdom: How to Grow Net Worth, Part 2 - ESI Money Through the years, I have interviewed hundreds of millionaires with the goal of learning from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific que...

"Initially I tried picking stocks, but I learned the hard way that the best way for a normal guy to invest is to use index funds and dollar cost average." -via ESI Money

esimoney.com/millionaire-...

An Exciting Net Worth Milestone and Some Other Ramblings - Route to Retire We just hit a really cool net worth milestone that's something I never could have fathomed even a decade ago... can you guess what it is?

"I don’t want life to pass us by, and I want to do cool things that we can have booked to look forward to, enjoy doing, and then reminisce about later."

#networth #millionaire #multimillionaire #travel #livefortoday #cruising #europetravel

www.routetoretire.com/net-worth-mi...

Millionaire Wisdom: How to Grow Net Worth - ESI Money Through the years, I have interviewed hundreds of millionaires to learn from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific questions and their ...

"While it’s certainly possible to beat the market by picking individual stocks or sectors, most investors underperform." -via ESI Money

esimoney.com/millionaire-...

Changes Coming to Your 401k There are changes coming to your 401k if you're 50 or older. Are you ready?

"The maximum 401k contribution limit usually increases every few years, but 2025 is special. Congress added a new category for workers ages 60 to 63." -via Retire by 40

retireby40.org/changes-comi...

Millionaire Wisdom: How to Become Wealthy, Part 17 - ESI Money Through the years, I have interviewed hundreds of millionaires with the goal of learning from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific que...

"Understand what it is that you actually need right now. If it’s more than what you can afford, figure out a way to either make more money or go without something." -via ESI Money

esimoney.com/millionaire-...

Millionaire Wisdom: How to Become Wealthy, Part 16 - ESI Money Through the years, I have interviewed hundreds of millionaires with the goal of learning from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific que...

"Work hard early, before kids. Lay the groundwork and that effort will pay dividends for years to come. This means picking a career that you feel has long term potential. Late career changes can have an adverse impact on earnings." -via ESI Money

esimoney.com/millionaire-...

Great post! I think you nailed it - there's no big party that happens when you hit great milestones like this. But it grants you that sigh of relief in knowing that potential financial worries continue to decrease. Congrats on the €100k!

3 Questions That Determine 99% of Your Retirement Success - The Retirement Manifesto If you answer these 3 questions, you'll be well on your way to retirement success. Sounds easy, right? Done right, it will take some time...

"Your challenge, as you approach retirement, is to decide what type of life you want to build for yourself in retirement, then use your financial resources to help you achieve the life that brings true contentment." -via The Retirement Manifesto

www.theretirementmanifesto.com/retirement-s...

Opening the Books to Our Investment Portfolio - Route to Retire Readers routinely ask me questions about our numbers so I thought I'd take the time today to give you an updated look at our investment portfolio...

Spot on. The far majority of our portfolio is in VTI. It's simple, effective, and keeps costs low. This is a few years old, but breaks down our portfolio:
www.routetoretire.com/investment-p...

The Self-Hosting Spark: How Ditching Google Reignited My Tech Obsession - Route to Retire This self-hosting project has sparked a renewed interest in technology in me that I've haven't had for decades... it's so cool!

"I still get stressed from having too much to do most days. The difference is that it’s mostly stuff I want to do as opposed to a boss telling me what I need to do."

#fire #earlyretirement #tech #SelfHosting #degoogle #immich #nextcloud #immichframe #docker

www.routetoretire.com/self-hosting...

Healthcare After Early Retirement Healthcare is a huge problem in the US if you plan to retire early. I planned to get health insurance through healthcare.gov, but...

"Health insurance is a big problem, but getting older is the real issue. Mrs. RB40 and I are relatively healthy now, but we’ll have a lot more problems in the future. We can see it with our parents." -via Retire by 40

retireby40.org/healthcare-a...

Millionaire Interview Update 72 - ESI Money Today I have an update for you from a previous millionaire interview. I’m letting three years pass from the initial interviews to the updates, so if you’ve been interviewed, I’ll be in touch. 😉 This u...

"I have stuck with the same investment mindset by utilizing low-cost index/ETFs with a diversified portfolio. I like to KISS (keep it simple stupid) on this front vs trying to seek after grand slam investments." -via ESI Money

esimoney.com/millionaire-...

Why I Love Subscriptions - ESI Money When I was in the early stages of growing my net worth, the common wisdom was to avoid subscriptions like the plague. They were viewed as sneaky money sucks—small monthly expenses that quietly drained...

"I began to incorporate subscriptions into all areas of my life—and I have to say, they’ve improved it in real and measurable ways." -via ESI Money

esimoney.com/why-i-love-s...

Millionaire Interview Update 71 - ESI Money Today I have an update for you from a previous millionaire interview. I’m letting three years pass from the initial interviews to the updates, so if you’ve been interviewed, I’ll be in touch. 😉 This u...

"If you [save/invest] long enough and consistently enough and don’t let your emotions cloud your judgment, you can end up with enough to never work again." -via ESI Money

esimoney.com/millionaire-...

Traveling In The Arctic - The Retirement Manifesto My wife and I just returned from two weeks of traveling in the Arctic. It was the best vacation of my life. Today, I'm sharing it with you.

I'm jealous of Fritz's awesome cruise...

"It’s hard to describe how wild Greenland and Nunavut, the Northernmost province of Canada, really are. The western coast of Greenland is the most beautiful coastline I’ve ever seen." -via Retirement Manifesto

www.theretirementmanifesto.com/traveling-in...

The 3 Scenes of the Superman Movie I Made It Into - Route to Retire My time as an extra paid off... I made it into 5 shots in 3 scenes of the Superman movie! Here are the screenshots from the movie.

"It was so cool to get the chance to do this and see how the sausage is made. It was also grueling with a lot of long days in the hot sun."

www.routetoretire.com/superman-mov...

#superman #Superman2025 #SupermanMovie #movie #superhero

The Surprising FAFSA/SAI and Roth IRA Conflict that Sabotaged Our Financial Aid Plan - Route to Retire I stumbled onto a massive Roth IRA problem that took me by shock and ruined my big plan for FAFSA/SAI financial aid for my daughter.

"The problem was that as I dug deeper into things, I stumbled onto a massive problem – a major complication that took me by shock and ruined my big plan."

www.routetoretire.com/aca-and-fafs...

The Top Seven Retirement Activities, Part 7 - ESI Money We’re continuing our series on the Top Seven Retirement Activities—the key habits and routines that make for a fun, meaningful, and well-rounded life after work. So far, we’ve covered: #1: Exercise an...

"Exercising alone is not enough. It’s great, but most of us need more movement in our lives." -via @ESIMoneyBlog

esimoney.com/the-top-seve...

Millionaire Wisdom: How to Become Wealthy, Part 12 - ESI Money Through the years, I have interviewed hundreds of millionaires with the goal of learning from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific que...

"Take calculated risks as early as reasonably possible. First, if it does not go well, you still have a long time to recover. Second, if it goes well, then your long time horizon will allow that early success to compound." -via ESI Money

esimoney.com/millionaire-...

Back to School Shopping 2025 RB40Jr is starting high school in about a week. See what we spent money on to get ready for back to school.

"It’s a big change, but I’m okay with it. I have more time to do my own things. I can go to the gym and ceramics classes without having to worry about him." -via Retire by 40

retireby40.org/back-to-scho...

The Top Seven Retirement Activities, Part 6 - ESI Money We’re continuing our series on the Top Seven Retirement Activities—the key habits and routines that make for a fun, meaningful, and well-rounded life after work. So far, we’ve covered: #1: Exercise an...

"Walking through a park, sitting by a lake, gardening, or just being outdoors lowers anxiety and boosts mood. Being outdoors reduces cortisol and boosts your mood." -via ESI Money

esimoney.com/the-top-seve...

Millionaire Wisdom: How to Become Wealthy, Part 11 - ESI Money Through the years, I have interviewed hundreds of millionaires with the goal of learning from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific que...

"Don’t go for the home run when it comes to investing. Slow and steady sounds boring, because it is, but it works." -via ESI Money

esimoney.com/millionaire-...

Gen X is The Last Lucky Generation Gen X was a very lucky generation. Life is much harder for the younger generations.

"College seemed expensive when we were young, but the cost of higher education is insane now. Parents and students will pay anywhere from $120,000 to $250,000 for a four-year degree." -via @retirebyforty

retireby40.org/gen-x-is-the...

Millionaire Wisdom: How to Become Wealthy, Part 10 - ESI Money Through the years, I have interviewed hundreds of millionaires with the goal of learning from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific que...

"There is so much free information out there to keep your mind growing in the area of investments, wealth management, asset protection…etc. There is really no excuse to not keep leveling up your knowledge and expertise." -via ESI Money

esimoney.com/millionaire-...

The Top Seven Retirement Activities, Part 5 - ESI Money We’re continuing our series on the Top Seven Retirement Activities—the key habits and routines that make for a fun, meaningful, and well-rounded life after work. So far, we’ve covered: #1: Exercise an...

"[T]here is probably a version of your dream that you can make happen…that you might have otherwise skipped if you hadn’t let your imagination run wild. -via ESI Money

esimoney.com/the-top-seve...

July 2025 FIRE Update July FIRE Update. July was a great month. We took a long road trip to see friends and family in California. #FIRE

"Our net worth hit a new high again. That’s crazy, but I’m not complaining. I’ll enjoy feeling rich while the stock market is doing well." -via Retire by 40

retireby40.org/july-2025-fi...

Millionaire Wisdom: How to Become Wealthy, Part 9 - ESI Money Through the years, I have interviewed hundreds of millionaires with the goal of learning from their experiences and knowledge. I’ve published these as Millionaire Interviews, featuring my specific que...

"The best time to make money is while you are asleep. If you are clocking in to get paid then you are never going to get rich." -via ESI Money

esimoney.com/millionaire-...

Haha, that's great that you set a timer for that! Regardless, I agree with Mr. Hubby that the movie was exactly what I was hoping for as well. Glad you enjoyed it!