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Mr. Heartland on FIRE

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Heartland on FIRE
General Finance
Early Retirement, smart spending, DIY, investing, financial independence
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Blogger Bio

Net worth:
St. Louis, Missouri , United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

The flames of the FIRE (Financial Independence Retire Early) movement can spread rapidly.  Just like a campfire stacked with kindling, the flames are tall, flickering, and bright at first, but over time, these flames subside leaving the dull glow of smoldering coals. But you don’t cook on the flickering flames.  This short blast of high […] ...
Posted: Nov 15 2018 @ 2:42 PM
“Fire and brimstone coming down from the skies! Rivers and seas boiling!” “Forty years of darkness! Earthquakes, volcanoes…” “The dead rising from the grave!” “Human sacrifice, dogs and cats living together… mass hysteria!” – The Ghostbusters We all like to think glowingly about our future.  Raising our families, fun vacations, memorable meals, and retirement, of […] ...
Posted: Nov 08 2018 @ 12:00 PM
Happy Halloween!  Another month is in the books.  October was much kinder to my psyche than September… But how did our finances fare? As always, you can check the latest and greatest info on the Track Our Progress page. First, the numbers: Net Worth: End of October Balance: $382,660 Down $4,749 (-1.23%)  Year to Date (YTD): Up $77,660 […] ...
Posted: Nov 01 2018 @ 11:00 AM
***Extremely Mickey Mouse voice*** – Hi Kids! Today’s Mousekatool is Paid Vacation I am fresh off of our first full week vacation in 2 years.  While we’ve taken a few long weekend trips, we haven’t had a full week off during this time.  We took our daughters to Disney World (geez… could you tell?) and we […] ...
Posted: Oct 25 2018 @ 11:00 AM
Credit cards can be a polarizing topic in the personal finance community.  On one end, you have Dave Ramsey and his cash envelope system which abhors the use of credit cards.  At the opposite end you have the travel hackers, who churn credit cards for travel rewards.  The Heartland on FIRE household has covered the […] ...
Posted: Oct 18 2018 @ 11:00 AM
Pawel Janiak As a personal finance blogger, specifically an advocate of the Financial Independence Retire Early (FIRE) movement, you might assume that the Heartland on FIRE family has a spotless past when it comes to money decisions.  You might think we’ve rarely, if ever, paid interest on credit cards, purchased only used cars, and made […] ...
Posted: Oct 11 2018 @ 11:00 AM
September is done.  As far as I am concerned: Good riddance!  It’s been an adventure to say the least and I am happy to welcome Fall!  Grumpy commentary aside, how did we do last month? As always, you can check the latest and greatest info on the Track Our Progress page. First, the numbers: Net Worth: […] ...
Posted: Oct 04 2018 @ 11:00 AM
Rental property:  It’s a popular path to develop passive cash flow for many in the Financial Independence Retire Early (FIRE) community.  When a property is purchased at the right location and for the right price it can certainly be a lucrative investment.  But when that rental property is your former primary residence… and was not […] ...
Posted: Sep 27 2018 @ 11:00 AM
“When one door closes,another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.” – Alexander Graham Bell When you are on the path to Financial Independence, Retire Early (FIRE) you need to be looking for every edge.  This way of thinking allows FIRE […] ...
Posted: Sep 20 2018 @ 11:00 AM
Can you take cues from a rocket launch to enjoy the benefits of F.I.R.E. on an accelerated timeline? It’s Monday again and the vast majority of you are dreading heading back to work.  You plop yourself into your chair and then phone rings, a billion emails fill up your inbox, your to-do list grows and […] ...
Posted: Sep 13 2018 @ 11:00 AM


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