Our Frugal Philosophy: Why We’re Okay With Being “Just Average”

Let's set the record straight. We are not millennials. Neither of us earn super-high salaries. We share no ambition to climb Mount Kilimanjaro nor do we wish to create our own empire. We are just two average Gen Xers looking to retire by the age of 55. And what we desire is simple: Financial Independence We … Continue reading Our Frugal Philosophy: Why We’re Okay With Being “Just Average”

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What Financial Independence Means To Us

The standard definition of financial independence is to have sufficient personal wealth to live off of, without the need to work in order to cover ones expenses. In other words, in order to achieve financial independence, your assets will need to generate an income that is greater than your expenses. But what does financial independence … Continue reading What Financial Independence Means To Us

Why We Stopped Feeling Entitled and Got Rid Of Our $30,000 Debt

Yesterday, I was reorganizing our office and came across some old bank statements from a few years ago. As I read through some of the statements, I was shocked to see how much money we wasted back then! I decided to grab one of the six calculators I found buried in our desk drawers and … Continue reading Why We Stopped Feeling Entitled and Got Rid Of Our $30,000 Debt

Why We Believe the 15-Hour Work Week is Just a Pipe Dream

Back in 1930 John Maynard Keynes wrote an essay called Economic Possibilities for Our Grandchildren, where he made the prediction that his grandchildren would have a 15-hour work week.  Keynes based this conclusion solely on productivity, which he expected would grow exponentially over the coming years. But instead of witnessing a reduction in the number … Continue reading Why We Believe the 15-Hour Work Week is Just a Pipe Dream

Is Achieving FIRE Worth The Sacrifice?

So many of us in the FIRE community spend endless amounts of time planning, plotting, strategically analyzing, and calculating every little detail in order to reach our goal. For us, this means retiring by the time we both turn 50. To be able to leave our 9-5 existence behind us and never look back. To … Continue reading Is Achieving FIRE Worth The Sacrifice?