Along the Way

The Unexpected Benefits of FIRE

Two days ago I went to the dentist. This is a big fucking deal because the last time I graced a dentist’s office was in 2012.   A Horror Story The first clue that there was something off about my dentistry appeared when I was closing in on my 14th […]

I’ve Moved the Finish Line

Big news today! I am super excited to announce that I am pulling in my FIRE date, blog name be damned. I am thrilled and terrified, and so happy that I have you to share this with.   A History Lesson A quick recap for those of you that haven’t […]

A Tale of Three Lounges

You haven’t heard from me in a while because the BITA family was on vacation. We were in Lisbon, Amsterdam and Split for nearly three glorious weeks. Becoming a productive member of the workforce again has been tough and I can barely wait for the day when the end of […]

sporadic expenses

Budgeting For Sporadic Stuff

If you are trudging along determinedly towards financial independence, and possible early retirement, it is safe to say that you have a target number in mind. It is also a pretty safe bet that you came up with that target number by calculating your annual expenses and then multiplying that […]

Befriend An Immigrant; Your Wallet will Thank You

I am a first generation immigrant to the U.S. I moved here from India when I was closing in on my 30th birthday. Immigration, even the cushy kind that I was lucky enough to experience, is hard. More than once in those early days I was overwhelmed with homesickness. I […]

Calculating our Expenses in Retirement

To declare yourself financially independent and go running jubilantly through the streets, you have to hit your target number in investments. How do you come up with your target number? You figure out your annual expenses and You pick a safe withdrawal rate (SWR) that gives you the warm fuzzies […]

BITA family new home

Whither Shall We Wander?

When the BITA family first meandered down the path to financial independence, we came up with a timeline and a rough plan. I’ve reproduced below an excerpt from our plan: “2022: We sell our house, add a nice chunk of change to the stash and move to some yet to […]

experiences versus stuff

Are Experiences the New Avocado Toast?

If you choose to blow your hard earned cash on avocado toasts, soy lattes or monster trucks Australian billionaires will mock you and men with large mustaches are likely to offer to punch you in the face. On the other hand, should you claim to be spending on “experiences”, you […]

shopping list

It’s Time To Make A Shopping List

When you first run into the concept of financial independence, and realization dawns that it is not a pipe dream reserved for trust fund babies, you feel exhilarated. You plan, you dream, you do back-of-the-napkin math or, depending on your proclivities, whip up a fancy spreadsheet or two. Slowly though […]

Why I’m Not In The Poor House

Any long time reader of this blog will know that I came to the Church of Financial Literacy late in life. I was 37 when I finally decided that being a financial idiot was just, well, idiotic. I was a little less than two months shy of my 38th birthday […]