FIciency

You dont have to plan it around that and it doesnt have to be your first home. If you own a home you can take advantage of lower rates. You keep talking about first homes its not relevant.

I didnt see covid coming either i thought my 3.125 mortgage was going to be the best ever. We cant predict the future. We can just set ourselves up in the best position to take advantage of opportunities.

No a 50 year mortgage is a 50 year mortgage this post isn't about a first time home buyer its just about a new longer mortgage.

You didnt have to buy then. I cash out refi'd for both of those rates. A cornerstone of our retirement strategy was to keep as little money invested in a fixed illiquid asset. Our house now pays for itself with the cash we pulled out and dumped in the market.

My mortgage is 2.749. I had a 2.49 at one point. Both of these are lower than avg long term inflation. They existed as recently as 2022.

If you can lock in a sub inflation rate for a mortgage again id want the longest one i could get. Low fixed interest debt is a gift.

Agreed! Sometimes fear takes over but you can never get back a year of time spent working. You can always go back to work.

I'm sure his promotion will help the Sox achieve a better record than last season.

Should boycott stores that don't break out tariff prices.

In 3 months we're going to see the countries that had tariffs dropped also purchase trump coin.

My dog threw up on the floor this morning

I asked why she did that

She blamed the globalists

YouTube video by Mr Global Canadian Oil Is About Greed, Not Need

Canadian Oil Is About Greed. Not Need. Please Share. I Follow Reposters!

youtu.be/w4J09XFxRVM?...

With Trump saying the tariffs on Canada and Mexico will happen, this is a great tutorial on our energy use ans what we buy and sell

Follow @mrglobaltoo.bsky.social. He cuts through the misinformation and spits out the facts

You doing this? If so please, please don't make it available just to businesses. There are many of us out here who don't want to buy thru the ACA but also don't need a job or want to start a company just for insurance. If you could scale something like Sedera it'd kill the big boys.

How Small-Cap Value Funds Can Accelerate Your Path to Early Retirement When planning for early retirement, the choice of your investment strategy can make or break your timeline. The traditional approach of in...

Want to retire early? 🚀 Small-cap value funds like AVUV can accelerate your path to #FinancialIndpendence faster than VTI! 💰 Higher returns & quicker recoveries mean less time working. Read how this strategy can shave years off your journey! 🔥👉
#PersonalFinance
ficiency.blogspot.com/2025/01/how-...

The Roth IRA max is $7,000 per year.

To max it out, you have to invest:

$585 a month.

Or $135 a week.

Or $20 a day.

If you invest this into S&P 500 index funds for 30 years, you'll only spend $210,000 of your own money.

But at retirement, you should have $1,300,000.

Make it happen.

Wow what a great tool!

Congrats! Thats an impressively efficient spending number! Single? Married with kids?

Unlock a 6% Withdrawal Rate: The Power of Small-Cap Value Stocks and Long-Term Treasuries The "4% Rule" has long been the gold standard for retirees planning to withdraw from their portfolios. However, recent research and alternat...

Excited to share that my first blog post just hit 100 reads! 🎉 Check it out here: ficiency.blogspot.com/2024/12/unlo... Thanks to everyone who is supporting me!

#FI #FIRE #PersonalFinance #WealthBuilding #FinancialIndependence

This is why it's important to understand how diverse your total stock market index fund is. Seven companies make up over 35% of the US stock market. Your cap weighted fund isn't as diverse as you might think.

Read our book excerpt about your teen’s expectations for their education fund:
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Perfect for families and high schoolers.
Read the rest of the book from your local public library, but if you decide to buy it then please use the blog post’s affiliate link!

I wrote about why SORR risk is a larger threat to retirement than volatility risk.

Small caps are poised to outshine large growth for the foreseeable future. AND they're just a safer longterm play.

#PersonalFinance #FinancialIndependence

ficiency.blogspot.com/2025/01/sequ...

Is deepseek the beginning of the end for the mega caps? This is the risk of large growth and cap weighted index funds. History tells us it's just a matter of time

What are some more positive terms we could use so we can dump "The Boring Middle"?

The Journey to FIRE: A Path of Self-Discovery For many, the pursuit of Financial Independence, Retire Early (FIRE) starts as a purely financial goal. It’s about crunching numbers, opti...

FIRE is a self discovery process. We need to rename "The Boring Middle". Your career is part of your journey and FI is about climbing Maslow's pyramid as muchor more than it's about money.

#FinanciaIndependence #PersonalFinance

ficiency.blogspot.com/2025/01/the-...

Growth Stocks vs. Value Stocks: Understanding the Key Differences and Why Value Stocks Shine Investors often grapple with the choice between growth stocks and value stocks. Both categories have unique characteristics, appeal to dif...

Growth Stocks: Overpriced Retail Items?

Value Stocks: High-Quality Goods on Sale

This is how I think about the markets. If you're all TSM or SP500 you should be rethinking your AA.

ficiency.blogspot.com/2025/01/grow...

#FinancialIndependence #PersonalFinance #FI #FIRE

Reflections on Three Years of Early Retirement Three years into early retirement, life continues to evolve in fascinating ways. From personal growth to family dynamics, every day brings n...

3 years into early retirement, we've learned valuable lessons about time, health, and family. From spending time with family to nature-filled travels, it’s been a journey of growth and discovery. Reflect on your own path! #FinancialIndependence #PersonalFinance

ficiency.blogspot.com/2025/01/refl...

Retired Man Tries to Spend More Money, Mostly Fails – A couple of years ago, Mr. Money Mustache lost some credibility among the faithful when he wrote this blog post about actually trying to spend a bit more money, while buying a Tesla as the …

New Blog Post!

Retired Man Tries to Spend More Money, Mostly Fails

www.mrmoneymustache.com/2025/01/16/m...

a man in a gray hoodie says that was a problem for future me and now i am future me ALT: a man in a gray hoodie says that was a problem for future me and now i am future me

Do you imagine your future self is already out there crushing it?

What are they doing different?

Probably investing in themselves, focusing on building assets, and ditching the comparison game.

I can't wait to meet that you! You ready to meet them?

#FutureYou #FinancialFreesom

What are you doing to spend more efficiently?