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Richard Melikian

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Valkyrie Finance
Early Retirement
Millionaire, Rich, Frugal, Budgeting, Finance, Investing
Start Year:

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Net worth:
Houston, Texas, United States
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

Looking back on my current spending habits right now, I am incredibly disappointed in myself. I really don’t know how I possibly could have spent $993 on food in the month of February' Looking at this truly is a shock and we all know this is a huge red flag. Let's take a look at my overall spend:It looks like I spend about $1,620 on rent and bills, and $615 ...
Posted: Mar 22 2018 @ 11:54 PM
I’m really big on putting concepts and thoughts down on paper to visually get an idea of how they work. Finances for example are great to show in graphical or chart form to really understand what’s going on. I actually found a number that’s easily calculated to determine what amount of finances you need to retire. It’s called the freedom ratio (or at least that’s what I heard it called). ...
Posted: Mar 19 2018 @ 9:43 PM
Hi, im Ash Ketchum and this is the first time I have looked closely at my finances with regards to budgeting and wrote about it. For those of you who don’t know my background, I am a 26 year old who works as a mechanical engineering in the STEM industry for the last year and a half. During this time, I have relied on a “my account is going upward” ...
Posted: Mar 14 2018 @ 9:45 PM
Do you want to work for the rest of your life' What are you willing to invest, and risk, to earn your freedom'Our lives are a product of the risks we are always taking. Sometimes we are forced to make decisions, somewhat aware of the risks, often we have no real idea what the outcome might be. Many of us try to manage risk by trying to avoid making decisions ...
Posted: Mar 12 2018 @ 1:46 AM
The authors of CommuneWealth have decided to go through some spending history to see if there was anything that could be improved upon. We all set up a mint accounts and categorized everything as accurately as possible. What follows is the last three months of my spending:As you can see, I’ve spent a ridiculous amount on food. Many might say that this is OK, that there are worse things to ...
Posted: Mar 05 2018 @ 10:37 PM
Now let me start off by saying, I’ve always been a budgeter. But since I’ve started on this journey I can say with confidence that I’m a lazy budgeter. Why' I’ve never actually written my budget down in a simple, easy to follow format. This is my attempt. I’m going to break this down into fixed costs (bills), and variable costs (food, entertainment).But before all this I’m going to begin ...
Posted: Mar 05 2018 @ 10:30 PM
A handful of personal things affected me almost a year ago that sent me on a very impulsive and unhealthy spending path. I was having relationship issues with close friends and family, I was becoming disenchanted with some aspects of my career, and on top of all that, I finally achieved a personal finance goal I had been focusing on for literally a decade of my life. Why would achieving ...
Posted: Feb 25 2018 @ 11:05 PM
One thing that really bothers me about investing in funds is I always feel like some hotshot in a New York high-rise is trying to skim some percentage of my capital to 'manage it'. The average human managed fund fleeces you at least 1-3% of your capital and often requires a very high minimum entry requirement. Through some complicated assortment of fees or commission, I usually get confused and discouraged ...
Posted: Sep 05 2017 @ 2:04 AM
To counter my fear of spending, I recently, bravely, exploded my monthly spending rate from $2500/mo to over $5000/mo, but I still somehow had a personal record month for cash flow (not including unusual spike of annual bonus). My net worth increased $40,000 over the last 30 days. How was this achieved' Well for one, its clearly an exceptional bull market, I earned approximately ~$20k for large investments in Netflix ...
Posted: Aug 03 2017 @ 1:04 AM
Ever since I turned 30, I've thought more and more about my mortality. I'm still a fairly young, guy with no children, so even though I have hopes for a family of my own in the future, there are no guarantees. My mind sometimes wanders. I think about the lifestyle I could enjoy if I just completely went off the deep end and cut loose. And I mean straight up ...
Posted: Jun 26 2017 @ 12:20 AM


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