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The Missing Paycheck And A New-Found Love For The Emergency Fund

The Missing Paycheck And A New-Found Love For The Emergency Fund

For over a year leading up to Babe’s birth I meticulously planned how much we were going to need in the HSA and the savings account. Nothing was going to prepare me for the Friday of the missing paycheck. Ode to HSA We weren’t sure how much our insurance was going to cover so I made sure we had enough to cover up to our max out of pocket. After filling it up we used all but $400 of the…

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Everyone Wants You To Be In Debt

Everyone Wants You To Be In Debt

This article may contain affiliate links. Read our disclaimer. We have made mistakes in the past, but so has everyone else and it is important to not only learn from your mistakes but from others too (hint hint). It only took buying one car new to realize how stupid it was and not to make that mistake again. This was also before we had gotten our financial act together. We paid the car off early and thought that mistake was…

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Getting To FI With Google’s Project Fi

Getting To FI With Google’s Project Fi

This article may contain affiliate links. Read our disclaimer. Google loves to try new things constantly (something I can more than get on board with). I love when companies try things for the sake of trying even if it fails. This one is far from a failure. I used to be on a family plan with my parents, in order to save money, but Ms. Blue Ribbon and I were getting sick of the family drama that comes with it….

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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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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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How I gave up my Tesla dream

How I gave up my Tesla dream

I have wanted a Tesla automobile since the roadster was announced in 2006. Beautiful cars and no oil products to run it. (The only thing I hate more than going to get my hair cut is getting my oil changed.) When the pre-ordering for the Model 3 started I was nearly 6 months into the baby steps yet still had every intention of dropping $1000 to lock my place in line to get one. Then I read Financial Samurai’s rule…

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