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Finance Clever
General Finance
Early Retirement, Frugality
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North Carolina, United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

The last three months of 2018 were quite busy for us. As soon as tax season started winding down we took a trip to Texas to celebrate my daughter’s birthday. We enjoyed exploring around Dallas, Austin, and San Antonio. We also attended a friend’s wedding in South Carolina, and traveled to Florida to receive the new year. Other than that, we enjoyed some fantastic weather (at least in October and ...
Posted: Jan 14 2019 @ 11:37 AM
The short answer: yes, pretty much. The long answer: you can travel for free sometimes, and for pennies on the dollar regularly. But you have to have a strategy and be careful. I have been getting a lot of questions lately about my travels and my high savings rate. How can the two co-exist? When I came back to work from a family vacation to Texas, a co-worker asked me: ...
Posted: Jan 08 2019 @ 10:58 PM
July, August, and September were good for us this year. Summer is probably my favorite time of the year with the hot temperatures and longer days. One of the highlights of this quarter was attending FinCon 2018 in Orlando. I have thought about going to FinCon for a couple of years now, and this year I was fortunate to win a scholarship, so there was no excuse. Other than that ...
Posted: Dec 21 2018 @ 11:24 AM
April, May, and June were great for us this year. I very much enjoy the rising temperatures and the extra day light that comes with spring. The highlight of this quarter was meeting up with my parents in Las Vegas for a couple of weeks of family fun. We also traveled to Jackson, MS for the baptism of our godson. We were very honored and exited when our friends J ...
Posted: Oct 23 2018 @ 5:47 PM
Today we will be exploring something new here at Finance Clever: a real life case study on rental real estate. Thanks to my friend David for encouraging me to write this post and sharing all of his real estate information with me. Over the past several weeks, I have been digging through David’s tax returns, asking follow up questions, and crunching numbers to evaluate the performance of his rental properties. ...
Posted: Sep 27 2018 @ 1:45 PM
The first three months of the year are usually a little too cold for me in North Carolina. This year we were lucky enough to go further south for a few of those days. Early in January we came back from New Orleans, a family trip we started around Christmas. Shortly after returning home, we headed back south to attend Camp FI Southeast in Florida. After Camp FI, we returned ...
Posted: Aug 11 2018 @ 4:11 PM
Just this past week I found myself facing a dilemma you will likely face several times during your lifetime: when something needs to be done, should you do it yourself (DIY) or hire a pro? The story begins a few weeks ago when my daughter flushed a pair of scissors down the toilet. Shortly after, the toilet started getting clogged. At first we were able to unclog the toilet with ...
Posted: Jul 16 2018 @ 11:27 AM
The last three months of 2017 were quite busy for us. We visited my sister in law who lives in Mexico. We started our trip in Mexico City and headed north through Queretaro, San Miguel de Allende, and Guanajuato. Throughout our journey, we stayed on some really cool Airbnb houses in Mexico (see picture below for the view from one of the back yards). If you are new to Airbnb, ...
Posted: Jun 30 2018 @ 4:05 PM
The U.S. tax system is quite complex. From thousands of rules and regulations to nuanced and obscure provisions, our tax system can make even the sharpest tax professionals feel overwhelmed at times. Luckily for you, the amount of tax knowledge you need to have to achieve financial independence (FI) is very manageable. I have seen people of all professions, not just accountants, acquire and apply tax knowledge to successfully increase ...
Posted: Jun 13 2018 @ 10:25 PM
The third quarter of the year was a good one for us. We came back from Colombia where most of our family got to meet our daughter. She even got to meet her great great grandmother who is over 100 years old! Isn’t that crazy? (see 5-generation photo below). Another event to highlight is that we replaced one of our old cars, which as you will see put a dent ...
Posted: Apr 18 2018 @ 10:49 PM


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