About Us

We're a half-Indian, half-American family on the path to Financial Independence and Early Retirement. Bayalis means 42 in Hindi. The plan is for Mr. and Mrs. BITA to retire when they turn 42 years old. Join us as we document our journey and share what we learn.

Nov 2016 financial progress update

On the path to financial independence: November 2016

There is no path to happiness; Happiness is the Path – Buddha The BITA household has had a stellar November, both financially and otherwise. As I write our monthly update on all things financial, I feel an odd mixture of pride, shame and gratitude. I am proud of all the […]

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Why I wear socks with holes in them

If you wandered in here hoping for an extreme frugality post, you are going to be very disappointed. Trust me, you should cut your losses and leave this page now. For those of you who stayed – here is your reward. A picture of my well worn, much loved socks. […]

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How Not to Blow your Budget on Houseguests

The BITAs moved into the house we currently live in in late 2012. Between then and now we’ve had over twenty sets of house guests (what can I say? we are just such fun people to be around). Parents, in-laws, siblings, nieces, nephews, friends, aunts and uncles, second cousins – […]

Fun with FIRE numbers

Fun with FIRE Numbers

You’ve come over to the Dark Side, determined to shake off the yoke of employment. You are going to save an eyeball-popping amount, strive to make more money and to spend microscopic quantities. You plan to be creative in your side hustles and as flexible as a yogi. That brings […]

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Harnessing Geographical Arbitrage for Giving

Shinga counted out the notes for the hundredth time. She clutched them tight in her fist, sighed, and squared her broad shoulders. Nine months of savings. Was she doing the right thing? There were four other hungry mouths to consider. Four other sets of needs and wants. Perhaps this was […]

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Your 529 on Steroids: A Hitchhiker’s Guide to Superfunding

When Progeny BITA was a mewling babe, bawling and puking, peeing, cooing and spitting, we took one look at her and just knew she was college material. We did a bit of research, asked our friends for advice and eventually toodled off to good ‘ol Vanguard and opened a 529 college […]

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Dear President Elect

Dear President Elect, I am a brown immigrant living out my days in what is now your fiefdom. I think that you consider me an acceptable shade of brown. You did say “I am a big fan of Hindu, and I am a big fan of India” (charmingly reductio-ing the […]

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How to Be Wiser Than The Magi (giving the gift of a mind worm)

The holiday season is drawing nigh. Soon it will be time for the planning and the plotting to begin. We will drop hints, some subtle, some really not. We will make wish lists and wish fervently that Aunt J. will ask us about said list and not buy us that […]

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How to Combine Chase Ultimate Rewards Points

The BITAs have recently ventured into the world of credit card churning (though I suspect that we are going to be in the running for being the world’s slowest churners. I mean, we haven’t actually churned a single card yet. We’ve kept every one). I lurked on /r/churning. I scoured […]

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On the path to financial independence: October 2016

The BITAs giveth, the market taketh away. October was an expensive month. We paid the tax man for past stupidity regarding our Indian Stash. This was an expected expense though, and we saved up for it in September. We had house guests for two weeks in October and ended up […]