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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

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
If you track your expenses, you probably already know that cars are pretty expensive things to own. After you account for depreciation, gas, maintenance and repairs, property taxes, and everything else, you can easily be spending between $2,000 to $15,000 per year. I think we have done a decent job at optimizing our vehicle choices and even then each of our vehicles cost more than $2,000 per year. Use the ...
Posted: Feb 12 2018 @ 9:44 AM
The second quarter of 2017 flew by as the days got warmer and longer. I must say, spring is one of my favorite times of the year as I’m not a big fan of cold and short days (see Q1 expenses here). It was generally a quiet quarter though we had family visiting us in April, and we traveled to Colombia late in June. Let’s dive right into our expenses ...
Posted: Dec 05 2017 @ 6:38 PM
You get it, financial independence that is. You can’t wait to start building some serious wealth to buy your freedom. You understand that being financially independent will allow you to spend ALL of your time, not just weekends and holidays, doing whatever YOU choose. You are pumped and eager to start working on making your dream a reality. There is just one problem… your partner is not board. I will ...
Posted: Nov 24 2017 @ 8:04 PM


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