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The Three Levels Of Goals

The Three Levels Of Goals

I have talked about early retirement and why I want it and what is my motivation. Those things are important but don’t mean much without a plan. Yearly goals keep you motivated during the year but they are a small sliver on the timescale. Let me tell you about my three levels of goals. The Bucket List Shortly after Ms. Blue Ribbon and I got out of debt I started thinking about the long term. We have the house and…

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Should We Sell Our Home?

Should We Sell Our Home?

I’ve mentioned from time to time that we have done a lot of the things to speed up FIRE. Get rid of/avoid debt, have a plan to add more to retirement accounts, and trying to be more frugal. There are things we could still do like get a side hustle, get a higher paying job, and sell our house. Problem is I haven’t found a good side hustle I would excel at and be able to fit in during my…

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Escaping The American Trap

Escaping The American Trap

When Ms Blue Ribbon and I were married we quickly fell into the American Dream Trap. We got our mortgage, new (financed) car, and extra loan (because we could). Everything was just as it was supposed to be. We were even starting to spend more a month than we were taking in. Having a Why That’s when it happened, our turning point. Ms Blue Ribbon and I had a baby, Mini Donut. This was our catalyst. I kept trying to make…

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Why I’m paying off the mortgage while saving for Early Retirement

Why I’m paying off the mortgage while saving for Early Retirement

The paying off your mortgage early vs. investing that money debate has been done to death. Everyone has heard the higher return on investment from the market generally outperforms a standard loan interest of around 3% argument. On the other side, everyone can sympathise with the idea of being completely debt free and having your own home. No mortgage sounds like the best thing since sliced almonds. (that’s the expression right?) Like a lot of other posts and the general…

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