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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

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 @ 9:00 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 @ 9:10 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 @ 10:26 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 @ 10:00 AM
I find myself asking that question every time I sit down to write a post. I asked myself that a thousand times before I ever sat down to write a post. It kept me from starting this blog for about 6 months before I finally realized I was asking the wrong question. I’m not anyone … Continue reading Who am I to Give Money Advice' → ...
Posted: Mar 09 2018 @ 9:55 AM
Warning: Money Nerd Stuff Ahead! As you’ll see below in our projected budget spreadsheet for the month of March, it’s going to be a big month.  It will likely be our biggest month of 2018 and it’s coming early. If you’d like a more detailed breakdown of our approach to budgeting please check out our … Continue reading March 2018 Investing Plan → ...
Posted: Mar 07 2018 @ 9:55 AM
While that may cause some of you to recoil, I’d like to explain why, in my opinion, that’s the most empowering phrase in the English language. How different could your life be if you approached every situation you found yourself in with that assumption' Now I certainly don’t mean to extend that line of thought … Continue reading You are not a victim, and everything is your fault. → ...
Posted: Mar 05 2018 @ 9:55 AM
My wife and I sit down monthly to discuss what our projected income will be, what our expenses look like for the month, and what we would like to do with the money that’s leftover… now that we actually have some.  Budgeting has been the backbone of our financial life together. It’s a board meeting … Continue reading March 2018 Budget and Income Projections → ...
Posted: Mar 04 2018 @ 10:29 AM
To get it out of the way at the start, if this were simply a math problem, there would be no debate. It will almost always (like 99.99% of the time) make more Mathematical sense to invest the money than to pay off your mortgage early. When you pay off your mortgage it is an … Continue reading Should I Pay Off The Mortgage or Invest' → ...
Posted: Mar 03 2018 @ 10:30 AM
What is M1 finance' To give a brief overview of M1 for those who are familiar with many investing platforms M1 finance would be somewhat of a hybrid between Betterment and Robinhood. Unfortunately I feel that it takes a few qualities from each of those platforms without giving you the utility of either one. When … Continue reading M1 Finance – An Honest User Review → ...
Posted: Mar 02 2018 @ 9:57 AM


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