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If I Had A Million Dollars…

If I Had A Million Dollars…

We have had two windfalls in our lives. The first was when Ms. Blue Ribbon’s grandmother passed away. The money we inherited was used to pay off some new windows on our house (naturally, we financed them). It wasn’t much and wasn’t expected but I feel like we used the money wisely. The second windfall we received was $20k from a family friend who had passed away. This was considerably more and we took our time figuring out exactly what…

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2018 Goals, Not Resolutions

2018 Goals, Not Resolutions

New Year’s Resolutions are great in theory. Who doesn’t want to lose 10 pounds or quit (insert annoying habit here)? The problem comes with sticking to these resolutions which is why I don’t believe in them at all. I’d much rather have solid goals throughout the year with clear points to achieve them by and specific measurable ways to validate if I completed them or not (also doesn’t help to have a website that I list them on and have…

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Remembering The Important Things

Remembering The Important Things

There are a lot of things in this life I’ve wanted to do and things I have yet to do. I have studied abroad in England and traveled to many countries. I graduated from college with a degree in Software Engineering and spend 8 hours a day typing complete jibberish that makes a little box do awesome things. There are things I still want to do like travel to more countries and own rental properties. During one of our purges…

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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 kids…

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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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