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AJ Hubner

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Work-Free Wealth
Early Retirement
Passive Income, Investing, Financial Independence, Investment Income
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San Antonio, Texas, United States
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Latest Blog Posts

The question of “Rent vs. Buy” is typically answered by comparing mortgage and other housing cost to the rent payment.  This kind of comparison does not show the full picture for people who dislike financing their houses and have reached Financial Independence.  It is easy to figure out how much rent you can afford since […] The post How much house should you buy when you are Financially Independent? appeared first ...
Posted: May 29 2018 @ 4:35 PM
First let me say that I think a 401k is one of the best wealth building tools available.  You can lower your taxes by making pre-tax contributions and if you are lucky, you may have an employer that matches a certain percentage of your contribution.  It can absolutely turbocharge your wealth building.  However, I also […] The post Why I would do 401k Rollovers whenever possible appeared first on Work-Free Wealth. ...
Posted: Mar 19 2018 @ 4:05 PM
Volatility has returned to the stock market after a long time of unusual calm.  While this may seem scary, it is actually good news if you want to get some incremental income from options.  The risk premiums that you can get as an option seller rise with increasing volatility.  I am not talking about any […] The post Incremental Income with Options appeared first on Work-Free Wealth. ...
Posted: Feb 14 2018 @ 1:25 PM
The Dow had the largest point drop in history so far yesterday (Feb 5) but it was far from the largest percentage drop.  Suddenly, the news are filled with doom and gloom predictions.  It makes me wonder if artificial intelligence has taken over news postings depending on the current sentiment.  Will we have a correction […] The post What to do when the stock market goes crazy appeared first on Work-Free ...
Posted: Feb 06 2018 @ 7:16 PM
Do you wonder how much you could adjust your withdrawal rate at an early retirement age for pensions or social security income?  You may be overly conservative if you take the standard advice on withdrawal rates without adjustments.  The amount you withdraw now will need to cover your entire expenses but you can withdraw less […] The post Early Retirement: How much to adjust your withdrawal rate for future Social Security ...
Posted: Jan 29 2018 @ 3:13 PM
The common advice for saving is always to max out your 401k and other tax-advantaged accounts.  I am certainly not disagreeing with this for anybody just starting out on their savings journey or while in full swing of their high-income career.  After all, a lower tax bill is nice.  But what if you get this […] The post Should I save in a taxable account for early retirement? appeared first on ...
Posted: Jan 15 2018 @ 2:58 PM
With the bull market in its 8th year and stock market valuations stretched by most measures, for people who have been around bear markets (myself included) the fear of a looming market drop is increasing.  I have to admit the prospect of sitting on the sidelines and watching my portfolio balance get cut in half […] The post Hedging your portfolio – or tough out the next bear market? appeared first ...
Posted: Jan 10 2018 @ 4:23 PM
The IRS defines passive income as net rental income or income from a business in which the taxpayer does not materially participate.  Dividends and gains from stock sales are not considered passive per this strict definition.    I would prefer to define income as passive along the lines of work and time commitment needed similar to […] The post Generating Passive and not so Passive Income appeared first on Work-Free Wealth. ...
Posted: Jan 08 2018 @ 10:38 PM
The accumulation phase of savings is fun.  There is something very satisfying about seeing your balance grow (obviously this works best in bull markets).  You could be investing your entire paycheck when you are getting close to Financial Independence/Retirement and theoretically you could already be living on your savings.    It can be an almost addictive […] The post Income Investing in Retirement appeared first on Work-Free Wealth. ...
Posted: Dec 31 2017 @ 11:18 PM
The early retirement /financial independence lifestyle is great.  You like your new life, new hobbies, ways to stay engaged – everything you want in your lifestyle.  Too bad that none of your hobbies pay you anything.  In fact, they cost you a bit more money when you anticipated.  Which is a problem if you did […] The post How to get to 5 million without going back to work appeared first ...
Posted: Aug 10 2017 @ 11:07 AM


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