When our third baby arrived, I suddenly faced a new challenge: how to make waking up early easier —and how to make it feel possible again during those sleepless weeks. With two little ones already up at night, some days […]...
What is Coast FI really about — it’s the point where financial freedom starts to feel real. Imagine front-loading your investments so your retirement account is already funded early. From that moment on, you could stop contributing, work less, an...
Introduction Planing how to withdraw money from your retirement portfolio is critical to making your savings last. Our Retirement Withdrawal Calculator models different withdrawal approaches using historical market data, historical inflation and cust...
I don’t just want financial independence someday — I want freedom now. Flamingo FIRE is the turning point that makes it possible. It’s a lifestyle shift that helps our family work less today, enjoy semi-retirement soon, and still stay on [&hell...
Welcome to our comprehensive 4-part guide on using YNAB (You Need A Budget), the powerful budgeting tool that helps you take control of your finances. Whether you’re new to budgeting or a seasoned pro, this guide is designed to walk […]...
In the first part of this series, we covered five core benefits of budgeting — from uncovering spending habits to speeding up FIRE. In this follow-up, let’s explore five more powerful reasons why budgeting can transform not only your finances [&h...
Why you need a budget goes far beyond tracking numbers — it’s the key to achieving your dreams and creating a balanced, fulfilling life. In this first part of our series, we’ll dive into five key reasons why budgeting is […]...
Choosing the right option from all early retirement withdrawal strategies — or other proven retirement withdrawal strategies —is a pivotal decision for anyone pursuing Financial Independence, Retire Early (FIRE). The strategy you choose determine...
What is a good savings rate for early retirement or semi-retirement It’s not always “the higher, the better”—but there are specific strategies that can help you increase it, if that’s your goal. In this post, I’ll share the exact ones [&h...
Barista FIRE can lead you to an early-retired lifestyle in just a few years. But then comes the big question: how do you find the best semi retirement jobs as a high-income earner—the kind of flexible, part-time work that still […]...
A passive income calculator was the tool that helped us change everything. We came from a place of high work stress while juggling small kids and trying to balance it all. What if small steps today could lead to more […]...
In this ultimate spending freeze guide, you’ll learn how to not only try but nail your first or next spending freeze—no matter your lifestyle or income—with less stress and more money in your pocket. This post builds on two foundational [&h...










