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Route To Retire
Early Retirement
Frugality/Saving, Investing
Start Year:

Blogger Bio

Net worth:
Ohio, United States
Life stage:
DIK (Dual Income, Kids)
IT / Manager
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Latest Blog Posts

Ah, the cost of living in Panama… something I should have posted about months ago. As my long-time readers know, the Route to Retire family has decided to move to Panama in a couple years as part of our FIRE plans.  I’ve also talked about how inexpensive it can be to retire to a place like this. It’s interesting that you can actually take advantage of the difference in living costs between two ...
Posted: Nov 21 2017 @ 6:15 AM
Ok, she didn’t physically kick me, but Paula Pant found a way to get into my head.  She worked me up into a real tizzy (do people still use that word'). It crushed me and took me days to think through and re-evaluate some things. First off, if you don’t know Paula Pant, she’s the host of the Afford Anything brand, which includes her blog and podcasts. She’s also one smart cookie and ...
Posted: Nov 14 2017 @ 6:00 AM
If you’ve delved into the FIRE community even slightly, you’re probably already familiar with the shrine that is Vanguard.  The Vanguard Group is an investment/brokerage firm out of Pennsylvania that manages over $4 trillion in assets. Eh, who cares?  All the big brokerages manage big dollar assets like that. True, but Vanguard’s different from the other firms out there in that Vanguard is structured as a mutual company. What that means is that it’s a ...
Posted: Nov 07 2017 @ 6:15 AM
FinCon.  Holy @#$%.  Was not expecting it to be as awesome as it was. Believe it or not, I consider myself not to be a people person.  I would rather just be at home and hang out with my wife and daughter. However, once I’m out, I sort of flip that whole tendency upside-down.  I’m usually the guy that starts a conversation with the people in line at the grocery store, the ...
Posted: Nov 06 2017 @ 6:15 AM
It started as a joke… until it wasn’t.  This is the story of how I became a J. Money knockoff for the day.  It’s something a little different from my regular posts. So sit back, relax, and enjoy the show… I was at the FinCon expo for the first time this year.  If you’re unfamiliar with the event, it’s an annual convention filled with financial content for bloggers and other money nerds! Philip Taylor (PT) started the ...
Posted: Oct 31 2017 @ 6:15 AM
Rule 72(t).  The name sounds as boring as 401(k).  And it should because it’s from the same place – the Internal Revenue Code. Both are part of the tax law that the IRS gets to govern. Coincidentally, both Rule 72(t) and 401(k) plans are pertinent to this post. I recently wrote a post about our FIRE plans titled The Roth IRA Conversion Ladder Dilemma.  I talked about how we plan on using the ladder ...
Posted: Oct 24 2017 @ 6:15 AM
The journey to FIRE can be an arduous path. Sometimes I struggle with the content I want to put on this blog.  It’s not due to a lack of ideas, but rather a matter of wondering if the reader can relate. Some of you are just starting to get interested in the idea of financial independence.  Perhaps you’re saddled with debt, but know there’s got to be a way out. Others of you ...
Posted: Oct 17 2017 @ 6:15 AM
I’ve been a bit moody the past couple of weeks.  I’ve been focusing a lot on trying to pinpoint our exact retirement date and I’ve been struggling.  The problem all stems with the Roth IRA Conversion Ladder we plan to do. First off, if you’re on the path to FIRE (Financial Independence/Retire Early) and you’re not familiar with how a Roth IRA Conversion Ladder works, this could be important to you. It’s ...
Posted: Oct 10 2017 @ 6:15 AM
We’re in an interesting cycle of the economy right now.  Things are looking good, which helps boost the value of your money.  When it comes to investments, stock prices and property values are generally up. And if you’re selling, that’s a good thing.  Retirees and folks selling their houses or some of their stock investments are partying it up during these times. However, if you’re still in the wealth-building phase of your ...
Posted: Oct 03 2017 @ 6:15 AM
I’m no Mrs. ONL when it comes to the outdoors, but I do enjoy some outdoor time when I can find it.  And there’s been one adventure that’s been on my bucket list for quite some time now. I love camping and enjoy the idea of some of the disaster preparation and survival shows.  So why not combine the two with a backpacking trip for a couple nights? This trip has been in ...
Posted: Sep 26 2017 @ 6:15 AM


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