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Our Next Life

Blog Info

Name:
Our Next Life
Category:
Early Retirement
Tags:
Minimalism
Start Year:
2015

Blogger Bio

Location:
Small mountain town, Western USA, United States
Age:
30s
Race:
White
Gender:
Female
Life stage:
DINK (Dual Income, No Kids)
Profession:
Consultant
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Latest Blog Posts

I know you've heard this one before: the narrative of "working a job you hate to buy things you don't need to impress people you don't like." It's what I've come to call the Fight Club narrative, a distinct strand of the FI movement that posits consumerism as public enemy number 1. And while it's a compelling narrative, here's my case for why it's harmful, and what we should be ...
Posted: Sep 20 2017 @ 8:00 AM
The financial aspects of the early retirement journey are well trod at this point: reduce your expenses, save at a high rate, invest in assets that create passive income, blah blah blah. What's less talked about is the emotional journey, which means that a lot of us are stepping off the map, and heading into uncharted territory. But it doesn't have to be that way. Here's our take on navigating ...
Posted: Sep 18 2017 @ 4:55 AM
Index investing, early retirement and financial independence in their most commonly discussed forms all rely on one simple principle: They only work if most people don't do them. (Don't believe me on indexing? Read on for plenty of evidence.) Let's dig into this idea, specifically the thought exercise on what a universal aspiration for early retirement would mean for market valuations, and talk about what would make early retirement more ...
Posted: Sep 13 2017 @ 7:48 AM
We're getting into the home stretch! With only about three months left to work -- forever! -- we're feeling good about all that we've checked off our to do list. But we also wonder, what are we forgetting? And that's where you come in. We'd love your help to tell us what else belongs on our final pre-retirement to do list. Come chime in! The post The Final Early Retirement ...
Posted: Sep 11 2017 @ 5:14 AM
Vicki Robin's book Your Money or Your Life had a huge impact on how I view money, asking us to equate money we might spend with the life force it represents, in other words, the time it took to earn it. And while that's a great starting point for shifting our thinking about money and spending, I have a different proposal for how we should think of that money to ...
Posted: Sep 06 2017 @ 5:10 AM
There is plenty of financial advice out there, including some very prescriptive advice about how to achieve financial independence or virtually any big goal you can think of. The only problem is: that advice, while great for some, is guaranteed to be bad advice for others. Rather than trying to follow advice to the letter -- or give it out in a prescriptive way -- let's focus on the formula ...
Posted: Aug 30 2017 @ 6:18 AM
If you'd told me at the beginning of our early retirement journey that we'd be on the verge of retiring only six years later, and that we wouldn't be miserable or feel like we'd lived a life of sacrifice to make it possible, I wouldn't have believed you. But it's true. And not because we haven't dramatically cut our spending. We have. But because sacrifice is a perception, not an ...
Posted: Aug 28 2017 @ 6:19 AM
Today I'm (finally) sharing something that I've wanted to write about for a long time, but haven't tackled because there is no easy formula: how to determine what is "enough" to save for early retirement. "Enough" is perhaps the centrally important concept to early retirement, but it can feel overwhelming to quantify your own. Here's a breakdown on how we calculated ours, and how you can do the same for ...
Posted: Aug 23 2017 @ 5:58 AM
Those of us on the FI path who are still working have an incredible freedom that most of the working world doesn't enjoy: the freedom to push for the change in our companies or industries that others might get penalized for pushing for. Better pay, more empowering conditions, parity, diversity, you name it. If we get labeled difficult or squeaky wheels, it doesn't matter, because we're on our way out. ...
Posted: Aug 21 2017 @ 4:19 AM
We know -- the excitement of the *early* part of early retirement is powerful. So much so that it's easy to focus our retirement planning mostly on those early years. The later years are also so much harder to predict -- more variables, a longer time horizon, more unknown unknowns. But as we've seen in our own planning, it's easy to have an inadvertent early phase bias built in -- ...
Posted: Aug 16 2017 @ 4:38 AM

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