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The Three Year Experiment
Early Retirement
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Grantham, New Hampshire, United States
Life stage:
DIK (Dual Income, Kids)
ESOL Teacher
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Latest Blog Posts

I’ve written a lot about how we teach our kids about money and tackle allowance in the ThreeYear household, but I have a confession to make: I’m really terrible at remembering to get cash from the bank to give my kids. Isn’t that always the way? If there’s a tiny kink in your process, such … Continue reading "Debit Cards for Kids" The post Debit Cards for Kids appeared first on ...
Posted: Feb 13 2020 @ 9:05 AM
Mortgage rates are lower than ever, and when I recently saw that 10- and 15-year mortgages have hit 3% rates, I was intrigued. Long-term readers of the blog know that we have (and love!) our 15-year mortgage, because it’s allowed us to pay off our house faster and build up more equity than a 30-year … Continue reading "Should We Get a 10 Year Mortgage?" The post Should We Get a ...
Posted: Jan 30 2020 @ 8:39 AM
As I mentioned in my last post, this year I’m not setting goals like I have in the past. One of the reasons for this is because I’ve achieved a lot of my short-term and mid-term goals, especially the big ones (become location independent, fully fund our 401ks, get a job, get a dog). This … Continue reading "Why We’re Eating More Vegetables in 2020" The post Why We’re Eating More ...
Posted: Jan 16 2020 @ 8:31 AM
Normally, when a new year rolls around, I have a list a mile long of things I’m saying YES to. You can check out some past ones here and here. Goals and resolutions are fun and have their place, but this year, I’m doing things a little differently. I have a list of a few … Continue reading "10 Things I’m Saying “No” to This Year" The post 10 Things I’m ...
Posted: Jan 09 2020 @ 9:00 AM
Guess what? Like all good things, the three year experiment has come to an end. Don’t panic: The Three Year Experiment hasn’t come to an end, though my posts are certainly less frequent than they have been! But, the three year experiment, whereby my family worked towards location and financial independence within three years, has … Continue reading "December Net Worth Update" The post December Net Worth Update appeared first on ...
Posted: Jan 02 2020 @ 10:03 AM
I pulled a shirt out of the wash the other day. It was one I’d bought for Junior ThreeYear, many years ago, from our elementary school in New Hampshire. You could have the shirt personalized, so on the back I’d had our last name printed. Now Little ThreeYear is wearing the shirt, and because I’d … Continue reading "The Long Game" The post The Long Game appeared first on THE THREE ...
Posted: Dec 24 2019 @ 11:13 AM
Yesterday I was reading a millionaire interview on ESI, and the author of the interview, who is 35 and has two kids, wrote: I didn’t start hustling until 2015 when my first child was born. I started driving for Uber after the child went to bed. I saved everything from that to build their 529. I continued … Continue reading "The Real Cost of Hustling" The post The Real Cost of Hustling appeared ...
Posted: Dec 17 2019 @ 8:00 AM
This post contains affiliate links. Please see my full disclosure for more information. Thanks for supporting the blog!  Wow, the holiday season is upon us. Every year, it sneaks up on me, regrettably. I know I need to up my planning game, and maybe start thinking about Christmas gifts earlier than, say, December 1st. This … Continue reading "Holiday Gift-Giving Guide" The post Holiday Gift-Giving Guide appeared first on THE THREE ...
Posted: Dec 10 2019 @ 8:00 AM
Ahh, hindsight. Most always 20/20, it is the perspective gleaned from missteps and mistakes made. We can’t change the past, no matter how much we’d like to, so our ancient mistakes can only serve as a guide in our present lives. That’s the idea behind Scott and Caroline’s post. The couple, now empty nesters who … Continue reading "What I Wish I Knew About FIRE: Guest Post on Costa Rica ...
Posted: Dec 03 2019 @ 8:41 AM
Since I’ve started working full time, I’ve almost exclusively used grocery services to buy my groceries. What are grocery services? There are several types. Delivery Services One type is a delivery service. Some companies, such as Instacart and Shipt, are companies that offer delivery from various stores in your area. You pick out your store, … Continue reading "Grocery Services: Are They Worth It?" The post Grocery Services: Are They Worth ...
Posted: Nov 26 2019 @ 8:00 AM


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