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Mrs Miller

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Millers on FIRE
Early Retirement
budgeting, personal finance, financial independance,
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Blogger Bio

Net worth:
New York, New York, United States
Life stage:
DINK (Dual Income, No Kids)
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Latest Blog Posts

Have you ever lost a $5 bill? What about a $20? In this post, I’ll tell you how you might be leaving money on the table by not contributing to your retirement account. I don’t underestimate the challenge of setting aside money to save.  Using a paycheck deduction analyzer tool, most noteworthy is I saw a minimal difference between contributing 5% vs 8% in my take-home pay. Most importantly, the ...
Posted: Jun 29 2018 @ 9:12 AM
  When I started down the path of financial independence, I confess, I was a bit perplexed by this whole notion of early retirement. Could I retire in my 40s? Have people really retired in their 30s? Tell me how to begin. Show me how to do it. How do I invest? Can I really invest my way to retirement?  The answer was a resounding YES! Below are the 7 ...
Posted: Jun 28 2018 @ 5:14 PM
The magic of compound interest, oh the MAGIC. Before I get overly excited let’s talk about the differences between simple and compound interest. Most people are familiar with simple interest. Let’s say you deposit $1,000 into an account earning 2% in simple interest. With a 2% interest rate, you’ll earn $20 at the end of the year. Keep the principal amount and interest earned in the account. At the end ...
Posted: May 14 2018 @ 2:40 PM
I can hardly believe it, in a little over 13 months our investment accounts have increased by $125,000! I have to let that sink in… It was an incredible year in the stock market. In 2017, the DOW increased by 25%, the S&P 500 grew by 19% and NASDAQ was up 28%. 2017 also marked a record year in the Miller household for the amount of money we poured into ...
Posted: May 12 2018 @ 10:54 PM
Step one, create a budget. If you have decided that you no longer want to continue to spend money frivolously and you find the idea of having the option to be financially free more appealing than having to work until you are 70, then keep reading. Budgets can look vastly different. Whether you choose a low tech option, like an excel spreadsheet, like us, or a fancy app, you need ...
Posted: Oct 31 2017 @ 11:53 PM
When I started on my personal finance journey, I couldn’t help but repeat these words, “If only I had known.” All of the information that I was learning: the importance of the stock market, index funds, passive investing and most importantly the power of compound interest, were simple concepts that I just never quite understood. I mean, I knew that paying interest on consumer debt especially credit cards was bad. ...
Posted: Oct 31 2017 @ 6:49 AM
“Do not save what is left after spending but spend what is left after saving.” -Warren Buffet In Mr. Money Moustache’s article “The Shockingly Simple Math Behind Early Retirement,” MMM makes it fairly simple to understand how people retire early.  Perhaps, I’ll say it this way, spend less and you have more money to save. This is not news breaking information. Then why don’t more people do it? When looking ...
Posted: Mar 19 2017 @ 4:45 PM
“In $8,000 head north for 120 months.” This is what our financial navigational system would have sounded like when we started our journey back in early 2016. After looking at our finances, we knew that first thing was first. “Get out of debt!” Although in our minds we didn’t have “bad” debt, we had to tackle the debt we had. Here’s what it looked like: At the start of the ...
Posted: Mar 18 2017 @ 2:50 AM
We want financial freedom! I read an article in April 2015 about a couple who retired in their 30s and who were traveling the world. I emailed the link to Jeremy and Winnie’s interview with Forbes to my then fiancé, Mr. Miller. This short story opened my eyes to possibilities I didn’t even know exist. Mr. Miller and I attended a free financial workshop while we were dating geared toward Young ...
Posted: Mar 16 2017 @ 8:48 AM


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