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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

I recently wrote about how the strong U.S. stock market enabled the ROMT family to achieve our long-term net worth goal earlier than expected. That achievement naturally could lead readers to wonder: “So ROMT, if you think you’re financially independent, why haven’t you retired early?” It’s a great question, and one I’ve been thinking about […] The post If You’re FI, Why Haven’t You RE? appeared first on RETIRING ON MY ...
Posted: Feb 15 2020 @ 2:28 PM
The U.S. stock market finished the decade on a strong note, with returns of 8.5% for the S&P 500 during the fourth quarter of 2019. For the full year, the S&P 500 climbed 29%, its best performance since 2013! Those great returns helped our financial situation improve more than expected over the last three months […] The post Q4 2019 Financial Scorecard: Kinda Sorta Financially Independent! appeared first on RETIRING ON ...
Posted: Jan 12 2020 @ 4:32 PM
A couple years ago, I wrote about how much money we saved by making a few simple phone calls. One of those calls was to our cable company, which offered me a discounted rate for two years when I threatened to cut the cord. Unfortunately, two years have now come and gone, and our monthly […] The post Smart Financial Decisions: We Finally Cut the Cord! appeared first on RETIRING ON ...
Posted: Oct 23 2019 @ 12:35 PM
After a great first half of the year financially, the third quarter of 2019 was less eventful for the ROMT family. The S&P 500 climbed 1.2% during Q3, which helped offset our spending being a bit higher than normal, as we took a few trips over the summer. Although our progress slowed from the pace we […] The post Q3 2019 Financial Scorecard: Slow But Steady Progress Towards Our Goals appeared first ...
Posted: Oct 14 2019 @ 11:50 AM
As I noted in our latest Quarterly Financial Scorecard, we’re getting close to making financial independence a reality. We’re now two years away from my target early retirement date. And barring a major downturn in the stock market, we should hit our net worth goal early next year. But even in a best case scenario, […] The post Should I Coast to Early Retirement or Run Hard To The Finish Line? ...
Posted: Jul 19 2019 @ 8:45 AM
After a setback late last year, 2019 has been good for the ROMT family’s finances.During the second quarter, we continued to make progress on each of the three metrics we are tracking on our path towards early retirement and financial independence – net worth, 529 account funding, and passive income.The resilient U.S. stock market was […] The post Q2 2019 Financial Scorecard: Halfway To Financial Independence? appeared first on RETIRING ON ...
Posted: Jul 08 2019 @ 10:45 AM
It’s hard to believe, but we’ve had our rooftop solar panels for over two years now. Which means we now have two years of data to analyze as we consider whether or not home solar energy was really a wise financial decision for our family. Overall, our rooftop solar panels have performed exactly as expected. […] The post Was Solar Worth It? The Numbers After Two Years appeared first on RETIRING ...
Posted: Jul 06 2019 @ 11:39 AM
The weather in our part of the county was unseasonably rainy and cool last month. At times, it felt more like winter than spring! Because of the cloudy weather, energy production from our rooftop solar panels dropped by 25% from last May. Positively, our electricity usage also declined. While it’s rare for us to use […] The post Solar Energy Update: May 2019 appeared first on RETIRING ON MY TERMS. ...
Posted: Jun 04 2019 @ 3:30 PM
Last month, we noted the energy credits our rooftop solar panels built up in 2018 lasted us throughout the winter of 2018-2019, enabling us to keep our electric bills at minimum levels throughout the year. Now that spring has sprung, the “new solar year” has also started. Our solar panels are working all day long […] The post The New Solar Year Begins appeared first on RETIRING ON MY TERMS. ...
Posted: May 13 2019 @ 11:28 AM
When we last reported on our finances at the beginning of the year, the results were not good. The worst quarter for the stock market in almost seven years resulted in our net worth moving in the wrong direction for the first time since we started posting our Quarterly Financial Scorecards here at Retiring On […] The post Q1 2019 Financial Scorecard: Back on Track! appeared first on RETIRING ON MY ...
Posted: Apr 11 2019 @ 12:45 PM


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