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Steve Reed

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Early Retirement
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Blogger Bio

San Jose, California, United States
Life stage:
DINK (Dual Income, No Kids)
Tech Sales
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Latest Blog Posts

Last year was a smashing success financially. Our household income was the largest it had ever been but our spending wasn’t tracked whatsoever. We thought we could “go with the flow,” knowing our basic frugality would still end up leading to a large net worth increase. And we were right, we had our largest net […] The post Back to Frugality appeared first on Steveonomics. ...
Posted: Jan 28 2018 @ 10:30 PM
When you start on your financial independence journey, the first thing you must do is cut expenses. But you won’t know what to cut until you figure out how much you currently spend. After logging every monthly expense, many are shocked by the results. “$700 a month eating out'! No wonder I’m in debt!” After […] The post You Need to Make More Money appeared first on Steveonomics. ...
Posted: Dec 03 2017 @ 5:18 PM
I spend far too much time on Twitter. While I learn a lot and have created an amazing network of friends, I also see a ton of complaining. The complaining is mostly first world problems and it’s almost always annoying. Recently I saw tweets about how expensive it is to travel so many choose not […] The post Traveling Is Cheap, Time Is Expensive appeared first on Steveonomics. ...
Posted: Nov 11 2017 @ 10:31 PM
After leaving Korea, I still wasn’t ready to begin my career. What a typical millennial I was; putting my life on hold for years! As much as I enjoyed being in Korea, I was tired of teaching (and Korean work ethic)! An American working long hours in a non-English speaking country is tiring. Winters were too […] The post My Australian Experience appeared first on Steveonomics. ...
Posted: Oct 30 2017 @ 2:48 AM
Since I was a UCLA transfer, I wasn’t quite ready to leave after only two years. So, after receiving generous financial aid, I modified my schedule to extend into an extra quarter. This allowed me to graduate in December 2008 instead of June 2008. Looking back, this was pretty silly but my student loan debt […] The post My Korean Experience appeared first on Steveonomics. ...
Posted: Aug 13 2017 @ 10:43 PM
“Winners focus on winning. Losers focus on winners.” -Conor McGregor The past few years I’ve come to understand just how important mindset is to becoming successful. While this blog focuses mainly on acquiring wealth and achieving early financial independence, a winner’s mindset is vital to achieving any of your goals. From a young age I’ve […] The post The Winner’s Mindset appeared first on Steveonomics. ...
Posted: Jun 18 2017 @ 1:51 AM
The past few years it has become quite popular to bash millennials. We’re losers who need to get our shit together. We’re selfish. We’re lazy. We have large amounts of student loan debt. A third of us are still living with our parents. We aren’t getting married. We aren’t even having sex. But I’m here […] The post In Defense of Millennials appeared first on Steveonomics. ...
Posted: May 28 2017 @ 9:31 PM
We’re stuck. But it’s not necessarily a bad thing. Many have called us lucky, but Sally and I have purposely set up our lives to be relatively stress-free. Let me explain. Anytime I look for a new job, I limit my search to 15-miles away at most. If you know the Bay Area, I live […] The post Golden Handcuffs appeared first on Steveonomics. ...
Posted: May 14 2017 @ 12:24 AM
With financial independence coming at us fast, I want to get a head start on life after FIRE. My wife says I’m a dreamer and she’s right. However, I’ve turned many of my dreams into goals and accomplished them with proper planning. Below are some early retirement ideas. Most are travel, fitness, or education oriented […] The post Early Retirement Adventures appeared first on Steveonomics. ...
Posted: Mar 06 2017 @ 12:06 AM
Owning real estate is a huge commitment. A commitment I’ve never been willing to make. The first eighteen years of my life I lived in a small town about an hour outside of Sacramento. But the past twelve years I’ve lived in four major cities across three continents. Each city has its positives and negatives […] The post Why We Don’t Own Real Estate appeared first on Steveonomics. ...
Posted: Feb 20 2017 @ 3:23 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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