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Ms. Liz

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Ms. Liz Money Matters
Early Retirement
Frugality/Saving, Budgeting
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Eagle, Colorado, United States
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Latest Blog Posts

I’ve been using super expensive (for me) eye shadow for years. I’m getting low and not looking forward to a trip to the super fancy mall to pay 30 bucks for .12 ounces of the stuff. Yes that’s .12 ounces. UGH. I don’t wear make up often nor do I wear much but I really … Continue reading "You Can’t Go Back" ...
Posted: Apr 09 2019 @ 1:51 PM
I LOVE when I hear a really simple, elegant solution to a tricky problem. And I heard a great one the other day. It’s pretty common for parents to help their adult kids out these days. Money to buy a home. Old cars being handed down. Cash for their grandchildren’s activities etc. And it’s pretty … Continue reading "A Simple Way to Settle Uneven Gifts" ...
Posted: Apr 02 2019 @ 11:11 AM
We bought our little desert home in 2010. It was during the downturn when Phoenix area real estate was in the tank. We knew we’d want to spend winters here some day and we were pretty sure we wouldn’t lose money on the purchase so we took the plunge. I still can’t believe we did … Continue reading "Are You Making Quality Decisions?" ...
Posted: Mar 26 2019 @ 11:59 AM
I’ve written before about our struggles to find our desert retirement tribe. We have a few good friends here and we really enjoy them. But, being retired, there’s a lot of time to fill. We have a ton of acquaintances on the Pickleball court. People we’re excited to see when we come back each fall. … Continue reading "Sometimes You Have to Take the Lead" ...
Posted: Mar 19 2019 @ 9:22 AM
What do retired accountants do for fun? This one updates her long-term plan–though not really for fun after the losses of 2018. My plan assumes my investments will beat inflation by 3%. Last year, inflation was about 2% so I should have earned 5%. Unfortunately, I lost 5% instead. And this 10% swing makes a … Continue reading "Would an Annuity Make Sense?" ...
Posted: Mar 12 2019 @ 12:28 PM
You’re probably somewhere on the path to financial independence. You’re reading a FI/RE blog after all, right? That path can feel like    it    will   never     end. Like you’ll never reach your goals. Especially in the early years, it feels like no progress is being made. It took 10 years to reach $100,000 … Continue reading "Making Your Work Meaningful" ...
Posted: Feb 26 2019 @ 11:39 AM
Note to my readers. I wrote this right after the holidays (as you’ll see). Before it was set to publish, Mr.’s father passed away. It rocked our world and made the things I wrote about seem super inconsequential. But, with some time, I’ve realized the message is still an important one. So here it is. … Continue reading "Do You Need a New Perspective?" ...
Posted: Feb 19 2019 @ 8:56 AM
I watched friends play in a Pickleball Tournament yesterday. It wasn’t a big, scary tournament. They weren’t playing for anything but their pride. But it was their first and they let their nerves get the best of them. It was ugly. They didn’t win a single game. They had practiced. Together and separately they practiced … Continue reading "Play YOUR Game" ...
Posted: Feb 12 2019 @ 12:10 PM
People think the hardest part about getting to financial independence is the investing. How much to put where? IRA or 401k? Roth or Traditional? Fidelity or Vanguard? ETF’s or mutual funds? Large cap or small cap or foreign or technology or . . . But that stuff isn’t super hard. Financial advisers make it seem … Continue reading "The Hardest Part? Finding Your Balance." ...
Posted: Feb 06 2019 @ 11:27 AM
I’m coming up on the third anniversary of giving my notice. I just passed 2 1/2 years of being retired. Crazy, it still feels like yesterday! Spending winters in the desert–the WHY that got me here is amazing. Listening to the great horned owl hooting outside my window (it’s early!) fills me with awe. Knowing … Continue reading "And There Are No Unicorns" ...
Posted: Jan 29 2019 @ 9:14 AM


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