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
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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

Time flies, I can’t believe it’s May already. We’re almost half way through the year. It’s almost time for a midyear review, CY18. Quick summary on what’s happening in April 2018: We got an updated house prices from our realtor (“Comps” / “CMA”). This explains the increase value on Equity chart below. I opened two real estate crowdfunding accounts: PeerStreet and RealtyShares. We hit the one million dollar mark on paper! Continue reading April 2018 ...
Posted: May 02 2018 @ 12:47 PM
I came to this country with 2 suitcases, a student visa, and $1,000 in my wallet. I know, I know… classic story, right? This week, I become a US Citizen and I am a millionaire, well at least on paper. It took a looong long 20+ years. The ups and downs, the good and the bad, two steps forward, one step backward. It was a lot of sweat and tears. But ...
Posted: Apr 29 2018 @ 1:19 PM
How to make easy money online: Step by Step Guide Identifying how to make easy money online could be your long awaited financial breakthrough. With discipline, you can secure yourself a source of income. Regarding the path you choose, it can either be long-term or for a stink. The predecessors in the niche have got almost everyone believing that it is hard. They have obtained a backup from those who have ...
Posted: Apr 26 2018 @ 12:51 PM
Health Saving Account (HSA) can be used as a tax-advantage saving vehicle, similar to IRA, but more! This is one of the pretax saving that gets overlooked by a lot of people, but it’s actually one of the most powerful one. We will go over on how you can utilize HSA to reduce your tax bill, invest the money, as well as optimization strategy on how you can withdraw from ...
Posted: Apr 18 2018 @ 11:50 AM
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


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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