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Ten Factorial Rocks
General Finance
Early retirement, investing, dividends, saving, frugality
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Net worth:
Texas, United States
Life stage:
SIK (Single Income, Kids)
Business Manager
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Latest Blog Posts

Howdy, folks!  After I published my last article on ‘safest’ withdrawal rate, it generated quite a few positive comments, except a couple of nasty zingers.  Of course, I rejected the two nasty ones while moderating the comments (a privilege of being the owner of this website).  If you came straight here, read that article first […] ...
Posted: Jun 17 2018 @ 8:19 PM
Few things occupy the minds of our financial independence/early retirement (FIRE) community as much as safe withdrawal rate (SWR).   Much digital ink and sizable amount of print ink has been spilled on this subject over the past few decades, and theories are refined with various adjustments.   The consensus view – if I can call it that […] ...
Posted: May 22 2018 @ 9:37 PM
The concept of stealth wealth is not new in the personal finance community.  If you are unfamiliar with the concept, one of the best articles about this subject is from Financial Samurai.  Go ahead, read that article first…I will wait! While that article was written from a general perspective and gives sound advice, this concept […] ...
Posted: Apr 26 2018 @ 7:58 PM
There..I just dated myself.  If you remember “Honey, I Shrunk the Kids” movie (1989), then consider yourself also dated! Regular readers of this website know about our big decision to move to India.  I’ve also shared in an update that our move and settling in went easier than I expected.  If you are new to […] ...
Posted: Mar 11 2018 @ 6:46 PM
Hi Everyone,  Namaste from India!  We came, we saw, we conquered!  Not exactly….but we moved and have settled in the world’s largest democracy.  Thanks to professional movers, good airline service and support received from my employer in transit accommodation, I couldn’t have asked for a smoother move!  I can’t help but wonder about how integrated […] ...
Posted: Feb 25 2018 @ 7:07 PM
There are many seekers of financial independence and early retirement (FIRE).   Many depend on financial advisors to help them reach a comfortable retirement.  To reach FIRE faster, however, you may have to fire your financial advisor!  I have always managed my finances on my own, and you can too.   For those with any […] ...
Posted: Feb 09 2018 @ 12:55 AM
I love Rockstar Finance (RF).  It is my ‘go to’ resource to see what’s happening in the personal finance blogging world.  I have had the privilege of having a number of my articles featured in RF and enjoyed the warm blanket feeling of seeing thousands of visitors on my site on the day I am rockstar’ed!  […] ...
Posted: Jan 30 2018 @ 5:38 AM
What’s up, folks?! The last time I published here was on New Year’s Eve announcing our big decision!  You must have been back to your daily grind – whatever it may be – after a good holiday season.    These breaks often remind us why getting back to full-time work is harder after retirement.  So, […] ...
Posted: Jan 22 2018 @ 12:50 AM
Hope you are having a great holiday season.  As my son would say, ’sup friends? 😊  You may be wondering about the low frequency of posts this month.  There is good reason for it. On this New Year’s Eve, I have some big news to share with you!  While you have been enjoying your holiday, […] ...
Posted: Dec 31 2017 @ 1:49 AM
Simply safe dividends – that’s what every dividend stock investor wants.  Even if you are undecided on the ‘eternal’ debate between index fund investment and dividend stock investing, it stands to reason that you want your investments to grow.   Growth, keeping up with inflation or going beyond it, can only happen if the business you […] ...
Posted: Dec 04 2017 @ 1:19 AM


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