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Rich Incog

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Rich Incog Blog
Early Retirement
Budgeting, financial independence, investing, minimalism
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Net worth:
United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

How can we teach our kids about wealth, investing, and philanthropy in an understandable and engaging way' This is a different question than what my wife and I have asked ourselves in the past. We have worked hard to teach our kids about the value of money, saving, and avoiding consumerism. Our family also participates … Continue reading "Creating A Family Philanthropy Fund" ...
Posted: Jan 01 2018 @ 1:58 AM
Back in September I opened my PeerStreet account, funded it, and made my first investment. In this post I will provide an update on how the investments are performing and share what I’ve learned about PeerStreet’s automated investing tool, plus the birthday gift they recently sent me. Automated Investing I originally set the automated investing … Continue reading "My Birthday Gift From PeerStreet" ...
Posted: Nov 10 2017 @ 8:13 PM
Dow 23,000+ It’s Halloween and the Dow is at a breathtaking 23,377 roughly 100 points off of the all-time high reached earlier this month. Yes, I’m a little spooked at these heights and so are some of my friends I’ve been talking to recently. None of us participating these conversations are stock brokers or financial … Continue reading "The Stock Market Is High, Don’t Get Spooked!" ...
Posted: Oct 31 2017 @ 11:13 PM
This is the third post in a series about my PeerStreet account. In the previous post I showed you what the process looks like to fund an individual account at PeerStreet, so now it’s time to get busy investing the $10,000 I deposited. Investors can pick individual property loans to invest in or use PeerStreet’s … Continue reading "My First Investment at PeerStreet" ...
Posted: Sep 11 2017 @ 4:13 PM
This is the second post in a series on my PeerStreet investment account Progress to First Investment The first post in this series shared my experience setting up an individual investor account at PeerStreet. In this post I will show you what’s involved with funding the account. It took several days to get my account … Continue reading "I Funded My PeerStreet Account" ...
Posted: Sep 04 2017 @ 7:35 PM
This is the first post in a series on my PeerStreet investment account What is PeerStreet' The day after I setup my account I received an email and a phone call from Ethan at PeerStreet. He asked me if I had any questions. I said, “yes, how do I explain to my wife what I’m … Continue reading "I Opened A PeerStreet Account" ...
Posted: Sep 04 2017 @ 3:58 AM
The nice people at Millennial Money Guide recently approached me about contributing an article to their site. It was great timing on their part because I had just been helping a friend, who is in his late twenties, with his resume and we had been talking about how to increase his marketability. The article that … Continue reading "Best Career Advice For Millennials" ...
Posted: Aug 07 2017 @ 10:13 PM
  If success is nothing but a series of failures, then financial independence is a trail littered with dumb financial decisions, and I’m here to confess that Mrs. R and I have made plenty of them. The truth is that most people who have any money, have also made money mistakes. Often it’s the mistakes that … Continue reading "12 Dumb Money Choices Before FI" ...
Posted: Aug 01 2017 @ 1:17 AM
Mrs. R and I have recently become big fans of financial independence and early retirement blogs and podcasts. We’ve been so busy living our frugal lives that we didn’t notice there are a bunch of people online talking about how they are doing the same. We were also unaware that the way we have chosen … Continue reading "Why I Am Not Retiring Early" ...
Posted: Jun 28 2017 @ 2:22 AM
It’s springtime again and like many people we have been working in the yard, flowerbeds, and garden. Working around the house recently got me thinking about the many ways we have saved money over the years on landscaping and other items in the yard. We first started reducing our costs when our house was being … Continue reading "7 Frugal Landscaping Ideas for the FI Community" ...
Posted: May 03 2017 @ 5:07 PM


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