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Jon Lo

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Save Money Retire Early
Early Retirement
Lifestyle, saving habits, investing, budgeting
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Net worth:
Toronto, Ontario, Canada
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Latest Blog Posts

It's an exciting time of the year. Christmas is coming, but that's not what I'm talking about. It's vacation time! We've got a super ultra fun special trip planned. We're starting it off in Taiwan to see my wife's family, learning how to make Grandma's "Super Amazing Taiwanese Beef Noodle Soup", and a buffet with the family with a view looking up to Taipei 101. Then off to Japan's southern island of Kyushu. We ...
Posted: Nov 07 2017 @ 1:33 PM
It happens almost weekly. It's not your fault, but it can be a thorn in your foot. With everything on automatic, maybe you don't even notice it. This can be a drain on your wallet without you even knowing. .... Getting charged for something you don't want. Last week when we rented a car, we were charged an extra day because of a mix up in processing our return. I got charged an extra $42. I ...
Posted: Nov 06 2017 @ 1:48 PM
It's not an addiction. It's love.  Just a week ago we could walk 5 minutes or less in any direction to find it. And it was great! Coffee.  Today, we walked 15 minutes to a nice looking coffee shop. We've passed by it a few times, but decided that today was the day to give it a try. The signage is "light-bulb style" with a brick wall lined with stained wood tables. We got a ...
Posted: Nov 05 2017 @ 7:23 PM
How Do You Read This Failing to Succeed (1) Or  Failing [comma] To Succeed (2) Failing to Succeed (1) I'm a Change-Optimist. I believe in a Growth-Mindset. I believe people often make excuses to do nothing.  That is they find reasons to not make a positive change. They ONLY see "what's blocking their way" and ignore the benefits of going for the change. You don't exercise because it's cold outside. You don't play the piano because getting a piano ...
Posted: Nov 04 2017 @ 12:59 PM
I've done three things that got me to my current financial position. They are not 100% unique to me. I am grateful to have found these three things. They allowed us to save and build our wealth from about $60,000 to $700,000 in just under 5 years. Everyone needs to forge their own path to Early Retirement. Getting our results in 5 years is not the norm, some might take ...
Posted: Nov 03 2017 @ 4:43 PM
It's the title of a book from one of my favourite speakers. He has a charismatic face and he talks with conviction, a sign that his gut and his mind are aligned. If you haven't seen his Ted Talk, you can check it out below. Saving Money Is Hard If you have never done it, Saving Money is hard. It requires consistency equal to anything else in your life you have found success ...
Posted: Nov 02 2017 @ 7:03 PM
How can you get there if you don't know where there is? If you don't change anything, will you ever get there? How long will it take?  Are you chasing a mirage? Early Retirement. It's a concept I'm consumed by.  5 years ago (almost to the day) I secured an internship for my first job in finance. Likewise, my girlfriend (now wife), also secured a full-time job in finance. I would end up starting in early ...
Posted: Nov 01 2017 @ 6:57 PM
I know I said I don't talk about it. But this will be the first exception.  I've spent the last 256 days searching for something I can put my stamp on. And in the meantime, I've stumbled upon something interesting.  A side hustle. An extra source of income. Another income stream. Call it what you will. It's work you do outside of your primary daily activities that brings in some extra money. 257 days ago ...
Posted: Oct 31 2017 @ 6:44 PM
We now live in what I'll call the upper east end of Toronto. Our house faces south on a street lined with houses decorated with pumpkins, ghosts, cobwebs, grim reapers and Darth Vader sitting on a porch. People pass by infrequently, but more often than cars. It's quiet. You can hear the trees swaying in the harsh autumn wind.  House Heat It's 8 Celsius outside and 18 Celsius in our home with ...
Posted: Oct 30 2017 @ 5:18 PM
If you haven't seen my video on "How Much It Costs To Flush The Toilet". Check it out in the below.   Today is our first full official day into our new house.  As homeowners, there are a lot of little things we wouldn't normally worry about with our condo. But the one I'm going to talk about today is one that you have some control over. When we were living in our condo, ...
Posted: Oct 29 2017 @ 8:23 AM


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