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Blogger Profile


Dan Montgomery

Blog Info

Name:
Ordinary Dollar
Category:
Early Retirement
Tags:
Early retirement, finance, psychology of finance, advanced calculations
Start Year:
2018

Blogger Bio

Net worth:
Location:
Sydney, New South Wales, Australia
Age:
30s
Race:
Unspecified
Gender:
Unspecified
Life stage:
Unspecified
Profession:
Finance
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Latest Blog Posts

It’s been a long time between drinks (again)! Here’s the second Net Worth Report since we changed from a monthly to a quarterly format. This quarter couldn’t have been more different than last. In fact, for the first time, my net worth actually reduced in one month! Although this wasn’t entirely under my control, this […] ...
Posted: Jul 21 2019 @ 3:22 AM
Acute observers of this website may have noticed that we’ve been promising an online safe withdrawal rate calculator for a while now. And it’s finally here! The problem with safe withdrawal rate research is that it’s generally focused on calculating the safe withdrawal rate for a pre-defined set of criteria. For example, a portfolio of […] ...
Posted: Jul 01 2019 @ 11:00 AM
Welcome to the next instalment of our analysis of the Thornhill Method. In the last post, we looked at dividends and showed that there is no difference between selling shares for income and living off a dividend stream. This is because any benefit of dividends is immediately arbitraged away in an efficient market. But some […] ...
Posted: Jun 04 2019 @ 3:30 AM
If you’ve been hanging around financial independence forums, you might have noticed two competing approaches to financial independence. The first advocates accumulative a large portfolio of shares and sell those shares as income during retirement. And the second — known as the Thornhill Method — advocates accumulating a growing dividend stream and living off dividend […] ...
Posted: May 04 2019 @ 11:34 PM
It’s been a long time between drinks! Here’s the first Net Worth Report since we changed from a monthly to a quarterly format. It was a very successful quarter, with the share market returning well and some unexpected income. And I took the opportunity to refinance my mortgage to a more reasonable rate! And in […] ...
Posted: Apr 10 2019 @ 6:30 AM
In our last post on emergency funds, we looked at emergency funds at a very high level. We found that over the period 2003-2018 an emergency fund in the market returned more than an emergency fund in an offset account. But after tax, the offset account did better. But a fair criticism of this type […] ...
Posted: Mar 22 2019 @ 1:47 AM
If you follow big name financial independence bloggers, you’ll notice that there’s a growing trend advocating we put our emergency fund in the stock market. The theory is that an emergency fund is for people who don’t have the foresight to manage their money properly. But we’re financial independence enthusiasts, we know what we’re doing. […] ...
Posted: Feb 27 2019 @ 7:09 PM
Many of us in the financial independence community like to consider ourselves non-conformists. While the masses are deep in consumer debt and locking themselves into years of work, the rest of us are being smarter with our money and setting ourselves up for a long life of leisure. But at the same time, we all […] ...
Posted: Feb 11 2019 @ 7:52 AM
I think it’s good to take some time every six to twelve months to evaluate the progress of our journey to financial independence. Not only is it motivating to recognise our progress, but we can also identify areas where we are falling short and develop ways to improve. With that in mind, here is my year […] ...
Posted: Jan 23 2019 @ 5:55 PM
I think it’s good to take some time every six to twelve months to evaluate the progress of our journey to financial independence. Not only is it motivating to recognise our progress, but we can also identify areas where we are falling short and develop ways to improve. With that in mind, here is my year […] The post 2018 Net Worth Report: Year in Review appeared first on Ordinary Dollar. ...
Posted: Jan 23 2019 @ 5:55 PM

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