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Retiring On My Terms

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Retiring On My Terms
Early Retirement
Investing, Finance, Early Retirement, Financial Independence, Retiring On My Terms
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United States
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SIK (Single Income, Kids)
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Latest Blog Posts

As the days got shorter this fall, the amount of power produced by our home solar energy system has been decreasing. This isn’t surprising – it’s simply a matter of science! That said, the drop off has been dramatic. Our solar production for November was half of what we produced in October, and less than […] ...
Posted: Dec 11 2017 @ 12:46 PM
Earlier this year, I wrote about our Smart Financial Decision to pay off our mortgage. Today I’m once again writing about our home, but this time, we’ll be revisiting a Dumb Financial Decision. Quite simply, when we bought our home six years ago, we purchased a larger house than we really needed. And the financial […] ...
Posted: Dec 07 2017 @ 12:39 PM
As we head into the holiday season, many are looking for gift ideas for the children in their lives. Today I’m going to share some great games we have played with our children, and in some cases also played while growing up. In my opinion, each of these games help teach important lessons about money […] ...
Posted: Dec 04 2017 @ 12:45 PM
Based on its title, you may be surprised to learn this post isn’t going to be about figuring out how much money you might need to achieve financial independence. We’ve already written about the 4% rule, and we’ve also outlined our financial goals as we track our progress towards FIRE. Looking solely at the numbers, […] ...
Posted: Nov 27 2017 @ 10:19 AM
With October now in the books, we have another month of data on our electric bill following our installation of solar panels in June. The great news is that for a fourth consecutive month, our electric bill was as low as possible. We generated enough energy that all we had to pay for were the […] ...
Posted: Nov 01 2017 @ 10:25 AM
A few months before starting Retiring On My Terms, Mrs. ROMT and I made one of the biggest decisions of our financial lives. We decided to pay off our mortgage. There appear to be at least two very vocal camps in the personal finance community when it comes to discussions about paying off one’s mortgage […] ...
Posted: Oct 28 2017 @ 1:47 PM
As we head into autumn, the leaves are changing colors, the baseball playoffs are underway, and football season is heating up as the weather is cooling off. Which can mean only one thing for the ROMT family: it’s time to report on our financial progress during the third quarter! Publicly tracking our progress towards financial […] ...
Posted: Oct 10 2017 @ 11:35 AM
As the months go by, I am increasingly optimistic our family’s decision to install solar panels earlier this year will ultimately be categorized as a Smart Financial Decision. For the month of September, our electric bill dropped by 93% relative to 2016! That follows declines of 91% in July and 95% in August! Those results […] ...
Posted: Oct 05 2017 @ 11:25 AM
As we continue our series on the basics of investing, we next turn our attention to bonds. In my opinion, bonds get a bit of a bad rap in the FIRE community. Bonds can be a bit more complicated and more challenging for an individual investor to purchase than bank products, and may not generate […] ...
Posted: Oct 02 2017 @ 11:35 AM
Last week, the Wall Street Journal ran an article about the German discount grocery chain Aldi (subscription required). In the article, author Zeke Turner notes that Aldi already has over 1,700 stores in the United States, and recently announced it would invest $3.4 billion over the next five years to increase its store count to […] ...
Posted: Sep 25 2017 @ 11:25 AM


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