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The Finance Patriot

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The Finance Patriot
Early Retirement
early retirement
Start Year:

Blogger Bio

Net worth:
Franklin, Tennessee, United States
Life stage:
SIK (Single Income, Kids)
Finance Manager
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Latest Blog Posts

If you’re like most people striving for financial independence, you probably want to take advantage of every offer and angle you can in order to speed up the time to your financial independence date.  If you are responsible with your credit cards and pay your balance in full each month, a nice and simple cash back credit card is probably an attractive way to get some of your purchase prices ...
Posted: May 09 2017 @ 5:12 PM
“You spent how much?”  Does this sound familiar?  So often I have read about how we über frugal early retirement weirdos are supposed to somehow magically, perhaps via telepathy, in-grain in our spouse our love for frugality that comes naturally to us. Question, how many of you out there have grown up, with identical values, parents, lifestyles, hobbies, as your spouse or partner?  I’m waiting… Can I be painfully honest here, just ...
Posted: Apr 26 2017 @ 11:52 AM
At times I feel like a bit of a soldier in my office, complete with frugal armor, and surrounded by sword wielding spenders intent on destroying their hard-earned income as fast as they can.  How can one simply see $10-$12 per day, OR MORE, exit their wealth empire without even flinching?  The sad truth is, they purchase a hot lunch each day from a local establishment at a hefty price. ...
Posted: Apr 18 2017 @ 12:09 PM
So you’ve paid off all your high interest debt, have a job, and know that one day you would like to either retire early and/or become financially independent.  For nearly two decades, I have been successfully saving and investing for early retirement.  So what are the next steps? It seems personal finance advice is all over the board and can be overwhelming. I am here to tell you that financial ...
Posted: Apr 12 2017 @ 10:20 AM
The Finance Patriot’s family is happy to announce our plans for a dream vacation, to Puerto Rico, in May.  This will take place just prior to our kids’ elementary school lets out. The four of us will spend a week relaxing, sunning, swimming, eating, celebrating my wonderful wife’s 19th anniversary of her 21st birthday, and Kayaking to see the world’s most stunning Bio-luminescence display.  After our week in paradise, it’s going ...
Posted: Apr 06 2017 @ 4:04 PM
“You can’t be a baller on a budget.”  These were the words a friend of mine, who sells Audis,  uses to sell luxury cars to people who want to haggle the price of a car down and, consequently, cut into his commissions.  I can assure you that, in order to achieve financial independence at a reasonable or early age, you absolutely can not spend like a baller. Financial Independence requires building up ...
Posted: Mar 29 2017 @ 4:42 PM
Do you own a house with a mortgage on it?  If so, you may be a good candidate to itemize your deductions on your tax return.  Before we dive into why and how to do this, let’s first define what itemized deductions are, shall we?  According to Wikipedia: Under United States tax law, itemized deductions are eligible expenses that individual taxpayers can claim on federal income tax returns and which decrease ...
Posted: Mar 23 2017 @ 6:15 PM
So you’ve done all your saving and investing, took care of your Roth IRA problem, and now you’re ready to pull the trigger and tell your employer bye-bye.  However, as an early retiree, you are a forward thinking individual and wish to tie up any loose ends before your early workplace exit.  I happen to be in this situation as I write this post.  I am going to share with ...
Posted: Mar 21 2017 @ 5:47 PM
A Beginner’s Guide To Brokerage Hacking : Earning Substantial Side Income In a Few Hours What is Brokerage Hacking? Brokerage hacking involves taking advantage of promotional rules set up by online brokerages in order to earn substantial bonuses for opening up new accounts or adding to existing accounts. A history of my brokerage hacking First, let’s review, in sequential order, all of the various brokerage accounts I have had over the years, and why; Putnam Investments (my first ...
Posted: Mar 19 2017 @ 6:36 PM
What is the size of an emergency fund a future retiree should have?  Why set one up at all?  How should an emergency fund be compiled?  Before we answer these important questions, I think we should define what an emergency fund is. According to Investopedia, An emergency fund is an account used to set aside funds needed in the event of a personal financial dilemma, such as the loss of a job, a ...
Posted: Mar 17 2017 @ 3:54 PM


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