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John and Lynn

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Early Retirement
budgeting, FIRE, early retirement, saving, investing, value, personal finance, family, net worth, tracker
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Net worth:
Pittsburgh, Pennsylvania, United States
Life stage:
DINK (Dual Income, No Kids)
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Latest Blog Posts

This is a quick spreadsheet that I try to throw together each month.  I list every asset we have separated into a few categories.  I like to separate our investments into two categories.  Those 2 categories are taxable and tax-advantage (shorthanded as retirement).  All of our cash including our vacation fund is included in the … Continue reading September 2018 Net Worth Update → ...
Posted: Sep 10 2018 @ 10:33 AM
We’re back to school!  Lynn is back to her full-time job and I couldn’t be more excited to dive into our financial goals with our full income at work.  I’ll be posting follow up posts regarding our investing plans now that we’re out of our “lean season” as far as income is concerned. ...
Posted: Sep 07 2018 @ 10:24 AM
It’s good to be back.  Needless to say I’ve been out for a while and bit off a little more than I could chew initially with the pace I was at and temporarily burned myself out.  We recently returned from our trip to Iceland.  Awesome once in a lifetime trip (even though we plan to … Continue reading August 2018 Budget and Income Projections → ...
Posted: Aug 07 2018 @ 10:00 AM
April is set to be another big month.  Thanks to a minor gaffe last month (Mrs. Money had an issue with submitting a timecard) part of last month’s big pay will actually carry over to this month, and it didn’t hurt to miss out on last month.  This will be a pretty average month in … Continue reading April 2018 Budget and Income Projections → ...
Posted: Apr 09 2018 @ 10:31 AM
My wife has brought it to my attention that while I often say “make a budget”, and I still think that’s good advice, many people may not know just how to go about doing that, especially for the first time.  I’ve boiled down the process that my wife and I went through when we sat … Continue reading How To Make A Budget: A 10-Step Complete Guide To Your First Budget ...
Posted: Mar 23 2018 @ 10:00 AM
If you’re in the Northeast like I am, you’re ready for spring. Even though we’re expecting 4-8 inches of snow in the next few days, spring is here. While the weather hasn’t turned yet, the calendar and the clocks have, and it’s time for some Spring cleaning. “Cleaning” in the financial sense is more so … Continue reading A financial Spring cleaning checklist → ...
Posted: Mar 21 2018 @ 10:55 AM
It can be disheartening and discouraging for a few reasons the first time you sit down to budget. First of all, in our case, we looked at the money and just said… where the hell has all of this money gone? How is it that we’ve made all this money for this period of time … Continue reading The emotions of budgeting → ...
Posted: Mar 19 2018 @ 10:00 AM
Volatility is back!  And that is a very good thing for the stock market. As a 26 year old, I have seen very little market volatility in my investing lifetime.  You wouldn’t know that if you happen to get a day off work and sit around and watch CNBC all day. The talking heads to … Continue reading 3 Reasons to celebrate when the market goes down → ...
Posted: Mar 16 2018 @ 10:10 AM
Dave Ramsey frequently refers to credit cards as the “financial cigarette”. I couldn’t agree more, and I don’t think even he realizes how poignant that comparison is. The more I look into this analogy, the more parallels I find between the two. As a former smoker (for 6 years) and a current (responsible and very … Continue reading Credit cards (financial cigarettes) cause Debt (financial cancer) → ...
Posted: Mar 14 2018 @ 11:26 AM
I recently had a conversation with a friend that not only upset me, but really got me thinking about the general attitude surrounding money today. A close friend of mine, who is a physical therapist, told me about a conversation he’d overheard at work.   He overheard a co-worker telling her story of going to see … Continue reading Why being broke isn’t the same as being poor → ...
Posted: Mar 12 2018 @ 11:00 AM


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