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FI and Wine
Early Retirement
finance for single moms, wealth building, real estate, goal setting, financial independence
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SAN JOSE, California, United States
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SIK (Single Income, Kids)
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Latest Blog Posts

In this post I will lay out the exact steps for better time management and productivity so you can crush your goals in 2020. Are you hoping to manage your time better, be more productive, and finally kick some goal setting butt this next year?   If you’re like me, and most everyone else out ... Read More about Step-by-Step Guide to Rock Time Management and Productivity in 2020 The ...
Posted: Mar 19 2020 @ 9:00 AM
It is a rare moment in history when people all over the world are glued to news sources, watching in horror as events unfold by the day, even by the hour.  We have watched with ever growing awareness the global, national, and deeply personal impact of today’s current events.  And then we wake up to ... Read More about How to Stay Calm During a Stock Market Crash The post ...
Posted: Mar 17 2020 @ 9:35 PM
If you find yourself overwhelmed by the idea of tightening your budget and saving more money, you certainly aren’t alone. Just the thought of “saving more” conjures up negative images of deprivation and joy-draining frugality. However, the reality is, saving more money is not that difficult. It won’t leach the joy out of your Friday ... Read More about 16 Quick Tips to Save More Money The post 16 Quick ...
Posted: Mar 10 2020 @ 12:48 AM
Let’s face it, sometimes it feels so hard get ahead financially.   Whether it is paying off all your debt, saving for something special, or just building net worth, sometimes it just feels like you take one step forward, then two steps back. When I feel this way, I remind myself of one thing:  Slow ... Read More about Pay Yourself First – The #1 Wealth Building Secret The post ...
Posted: Mar 02 2020 @ 10:00 AM
This week’s Money Crunching Mondays post was inspired by some real numbers I was running at home. Between a 15-year mortgage with lower interest rate but higher monthly payments, or a 30-year mortgage with lower monthly payments, allowing for extra savings and investing, which is better? Should you go with lower monthly payments and invest ... Read More about 15-Year vs. 30-Year Mortgage: Which is Best? The post 15-Year vs. ...
Posted: Feb 17 2020 @ 10:00 PM
Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success. Pablo Picasso Big goals are tough to achieve. It’s hard to stay motivated and make the daily, weekly and monthly changes and habits ... Read More about How to Use a Goal Setting Planner to Unlock Success The ...
Posted: Feb 11 2020 @ 1:23 AM
It’s Saturday evening and you’re in the middle of binge watching Lucifer on Netflix. Rather than pausing to rummage through the pantry and assemble dinner, you jump on your smartphone, peruse through UberEats and DoorDash, then select a popular restaurant nearby. Just 30 minutes later, you’re half an episode down and happily enjoying your Pad ... Read More about Is Your DoorDash Obsession Destroying Your Budget? The post Is Your ...
Posted: Feb 03 2020 @ 9:30 PM
What is a goal tree?  A goal tree is a form of mind mapping that helps to visually break down a large goal into smaller sub-goals that must be achieved first. A large goal is sequentially broken down into smaller and smaller sub-goals, until the weekly and daily tasks are revealed. In this way, a ... Read More about How to clearly break down your goals using a goal ...
Posted: Jan 31 2020 @ 7:34 PM
Saving for retirement can often feel like an uphill battle. It’s slow to gain momentum and often doesn’t feel worth it. With the average American carrying close to $4,000 in credit card debt, most people are barely treading financial water rather than saving money.  According to American Equity, nearly half of Americans, at any age, ... Read More about Why saving the first $100k is the hardest The post Why ...
Posted: Jan 27 2020 @ 5:30 PM
In this week’s Money Crunching Mondays post I’ll cover the question of whether you really can leave your 9-to-5 job and retire early, simply by investing in real estate. Better yet, we will review if this can be accomplished in as little as 5 years. Let’s look at the simple math behind passive income through ... Read More about The Simple Math on How You Can Retire Early with ...
Posted: Jan 14 2020 @ 1:14 AM


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