Blogger Profile

Aloha Jim

Blog Info

Retire By
Early Retirement
Real Estate, W2 Tax Strategy, Budgeting, Financial Freedom, Early Retirement, Life Hack, Saving Money, FIRE, Financial Independence
Start Year:

Blogger Bio

Net worth:
Seattle, Washington, United States
Pacific Islander
Life stage:
SIK (Single Income, Kids)
IT / Software Engineer
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Latest Blog Posts

We built over $550k of real estate equity over 10 years. We (mostly me) made many mistakes along the way that wiped out the equities, even brought us to negative equities at a time. True, that we could’ve accumulated more equities had I not made these mistakes. But I don’t regret it. Mistakes made us wiser and more resilient if we learn from them. I started buying properties in my 20’s with ...
Posted: Apr 08 2018 @ 3:56 PM
Announcement This just in! Retireby is officially listed in Rockstar Finance directory! For those who don’t know, Rockstar Finance is an awesome blog aggregator around personal finance, financial independence, and early retirement. It features great articles related to personal finance, investing, FIRE, etc. daily.   Blogger’s net worth We made it to the rank as well, not quite Top 100 yet, but we’re there! Continue reading Retireby is officially listed in Rockstar Finance directory! at ...
Posted: Apr 05 2018 @ 1:45 AM
Here’s a tutorial on how to start a blog or website from scratch. Creating a website from the ground up can be daunting at times. You browse around looking at other sites and notice how nice the design is, how easy it is to navigate, and how you love the feel of it. You start wondering how much time would the creator spend to create it from scratch. And chances are, ...
Posted: Apr 02 2018 @ 9:36 AM
Being an engineer, I make data-driven decisions all the time at work and at home. I do apply if-else programming logic or decision tree in my head when there are options (with consequences) that I need to choose. This drives mrsRandom crazy a lot of times since she’s more of an artist. Of course being a mortal, I make emotional / impulsive decision as well at times, which sometimes is illogical. Continue reading ...
Posted: Apr 01 2018 @ 1:26 PM
I’d have to admit, just like the Space Needle, Seattle’s Great Wheel is touristy. Being local, mrsRandom and I passed that spot so many times in our commute. We always ask each other, should we go ride it' Nah, we live here, that one is for tourists. Then one day, mrsRandom surprised me on my birthday and took me and alohaJunior there. It was a sunny and close to sunset. ...
Posted: Mar 28 2018 @ 1:21 PM
Here’s an easy way to make some extra cash back on grocery and shopping. And here’s $10 to get you started (not a scam, I promise it’s a nothing-to-lose game). I don’t know about you, but shopping (as in going to a mixed-use or grocery store) is not my most favorite things to do in the world. I get bored easily after walking one round. After all, why would Amazon Prime become ...
Posted: Mar 21 2018 @ 11:20 AM
It was late 2017. I held my 1-day old son in my arm. As a father, I felt tremendous amount of responsibility towards this child. I started to think about his future, how fun would it be to watch him grow, how he would be my ski buddy, how we would drop him off to his first day of kindergarten, elementary, first year of college… wait a minute, college! That ...
Posted: Mar 18 2018 @ 7:58 PM
I don’t hate tax. I just hate overpaying it. I’m not going to get philosophical about US Tax system here since this is a How-to. Tax optimization strategy tend to get complicated depending on one’s circumstances at a given time. My goal is to walk through our experience in this area and hope that you can leverage the information. You get to crunch your own number at the end and see ...
Posted: Mar 18 2018 @ 3:07 AM
Can I really retire in my 40’s' That’s the question that I asked myself. I was sitting by myself on a beach somewhere in Kona, Big Island one year ago. MissRandom was resting in the hotel room (she was pregnant with our first child). We made over $200k annually, so I would think we made good money. But I was aiming to retire at age 55. I started questioning myself why. ...
Posted: Mar 13 2018 @ 2:42 AM
How does $75 cash back sound to you' And you can get this deal without spending any extra money from your budget. Chase Freedom card runs quarterly 5% cash back promotion. For the period of January to March 2018, you can get 5% cash back on gas station, Apple/Android/Chase pay, cable, internet, and cell phone bill up to $75. This is basically free money if done strategically. Chances are, you still need ...
Posted: Mar 12 2018 @ 10:28 AM


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