These figures are partially due to a highly progressive tax code that was implemented in the mid 2000’s that really went after income levels above these thresholds. Further, I carefully observed my happiness level from making much less to making much more. Any dollar earned above $250,000 – $300,000 didn’t make a lick of difference. In fact, I often noticed a decline in happiness due to the increased stress from work.

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Oh I had a question you seem to be the tax guru for FI so. Can you tell me what the tax implications are if you invest in a regular stock account. So non retirement. My husband wants to know if you get taxes when you pull it out since you already get taxed on the gains. My thought was yes because it will be considered income but can you clarify. Thanks


If you have 20 years left to live and only require $60,000 a year, having $1,200,000 can also be considered enough even if you make zero return. The only problem is that your purchasing power will decline by ~2% a year due to inflation. The other problem is that you don’t know exactly how many years you have left to live. Therefore, it’s always better to have more rather than less.
Manage Your Money In One Place: Sign up for Personal Capital, the web’s #1 free wealth management tool to get a better handle on your finances. In addition to better money oversight, run your investments through their award-winning Investment Checkup tool to see exactly how much you are paying in fees. I was paying $1,700 a year in fees I had no idea I was paying.
I have about 1 year’s worth of expenses saved. Hoping to get to 25x expenses by the time I’m 30. I’m currently 23 and just starting my first job out of college. I think I can definitely achieve that, but I’m nervous about performing well at work. Hopefully it all works out and I can choose to quit if I’d like early in life. I’m hoping I actually enjoy work, but I am thinking that is asking for too much…
The easiest way to do it is by cutting back on your housing, transportation, and food costs. The average American spends 70% of their money on housing, transportation, and food, so if you can spend less on them (say 25% or so, then you can bank the difference). If you move to a smaller apartment, walk to work, and cook at home, you could realistically increase your savings rate to 25%+ or even higher.
Although it has a dynamic and well-designed website, PeerFly has a limited range of offers at any given time (around 8,000). On the upside, it does offer good commission/payout rates, lots of FAQs and educational information, and regular contests and reward programs that can substantially increase your bottom line. Based on online customer reviews, Peerfly enjoys a very high reputation amongst participating affiliates.

When I took the plunge it was paradise for about 3 months, but got bored of the lazy days, warm beaches, and amazing sunsets. Kind of like the big island once the nature wears off. I was drinking more. I know some of you may think I am an alcoholic, but I have never been, but I did not like that I was drinking more. I also got a dangerous reputation for having money. I never showed real wealth, but I tend to give money away especially for education and this caused some jealousy. The ladies started to have more interest in me, and the local men did not always appreciate it. An analogy could be a celebrity with money and time off. I am no celebrity. I eventually moved to a major city and enrolled in a language school, because I could not adjust to just being alive. Two years later I returned to my career in the bay area after meeting my partner from Japan who is a well-known designer in those circles. You have never heard of her. Sometimes she designs hands bags for fashion industry and secret startups. I only mentioned her because I think the goal is to find something you enjoy and get paid for it. Why would she not want to work. Semi-retirement has been a better path for me. Maybe it’s like doubles tennis, I will play that when I can’t run well anymore and I’m getting there.
Since I am less than 21 months away to 55, it is a mental daily struggle to get thru the day, the week and the months. It is so depressing at work since all of my co-workers have been laidoff. There is no one for “water cooler” talk. Over IT 1000 ppl were laid off from 2012 to 2017. It can be stressful at times to support the IT systems by myself. I have hobbies to help take my mind a little off the countdown clock. We take vacations so that I can get mentally away. Since I work from home, we try to go out at least once a week for lunch. I read your site and RB40’s site NUMEROUS times a day to take my mind of work.
In 2006, the most active sectors for affiliate marketing were the adult gambling, retail industries and file-sharing services.[21]:149–150 The three sectors expected to experience the greatest growth are the mobile phone, finance, and travel sectors.[21] Soon after these sectors came the entertainment (particularly gaming) and Internet-related services (particularly broadband) sectors. Also several of the affiliate solution providers expect to see increased interest from business-to-business marketers and advertisers in using affiliate marketing as part of their mix.[21]:149–150 

The Financial Freedom Chronicles


Many affiliate programs will often run promotions with good discounts or giveaways that might be attractive to your audience. For example, if you're an Amazon Associate and the site have a big Holiday Sale, it would be the perfect opportunity for you to promote discounts to your website visitors. This is a great way to promote your offers while also providing good value to your audience. 


There’s a ton of organic traffic you can get from search engines if you do SEO properly. The days when Search Engine Optimization was about cheating Google are gone. Today, it is about making your website better for visitors. People naturally look for information online. That’s why you should learn the basics of on-page SEO, keyword research and link building to be the information source they find first. Who wouldn’t want to rank #1 for terms such as “best product” or “product review” in Google?
Many of us, especially women, lose sight of who we once wanted to become, because we are so busy putting others first. As we play the various roles of parent, spouse, employee, friend, and more, we watch our dreams slip away. Even if you find these roles rewarding, there may still be an underlying foundation of resentment that leaves you wondering, “what if?”
“If you want to retire early, you need to have a strong ‘why,’” Hayes said. “Do you want to quit your job so that you can start that business you always talked about with your friends? Do you want to have more than two weeks per year of vacation time? Do you want to spend more time with your loved ones? Whatever your why, let that be the motivating factor to create a plan and stick to it during the tough times. Once you have that why, you want to determine your path.” 

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When money is lent to a partnership or S-corporation acting as a pass-through entity (essentially a business that is designed to reduce the effects of double taxation) by that entity’s owner, the interest income on that loan to the portfolio income can qualify as passive income. According to the IRS's Passive Activity and At-Risk Rules: "Certain self-charged interest income or deductions may be treated as passive activity gross income or passive activity deductions if the loan proceeds are used in a passive activity."

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The tradeoff in this scenario is clear. You can continue working to build a bigger pool of savings, which will provide additional income and flexibility for the remainder of your life. Or, you can leave your job as soon as possible and hope that a smaller portfolio will provide sufficient income. It’s all about finding the right balance given your personal situation.
Of course, it’s also important to note that money isn’t the thing that makes you truly rich — it’s the freedom that comes from pursuing whatever brings you joy and provides you will fulfillment that makes you rich. The whole point of financial freedom is that once you become financially free, you have more choices of how to live your life and spend your days.

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Thanks for the post. Not to be negative, but want to stress importance of not “waiting” for FI. My parents have a passive income of about 500K/year and have had some health issues popping up recently. My dad lost his hearing in one ear and my mom is having a lot of trouble with her vision. Although having $$ makes dealing with some of these issues easier, it is important to remember how valuable your health is, because suddenly money doesn’t seem so important.

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I would suggest a different, commonly used, approach to calculating withdrawals with the 4% rule (I believed you’ve blogged about this in the past). What is not so often explain is that in order to achieve yearly withdrawals of 3%-4% to live off of, you need to obtain investment returns upwards of 5%-8% to account for inflation, taxes and other costs.

SkimLinks is primarily for established content producers (bloggers) who want to monetize their content. With a powerful WordPress plugin and scripts for just about any website type, setting up SkimLinks is very easy. And because you have access to all offers on their platform after you’re approved, SkimLinks is very well designed for affiliates who don’t want to spend a lot of time fiddling around with settings and other fine-tuning.


You won’t get ahead if you don’t have a plan for your money. Instead, you’ll find yourself wondering where your money went at the end of every month! That’s not financial independence; that’s a recipe for financial disaster. If you’re married, get on the same page with your spouse about your budget. If you’re single, find an accountability partner.

This is what I what I hear. Sell all your stuff, except for a tent, and move to the woods so you will never have to pay rent or utilities again. Joking aside, I actually come across a blog that promoted dumpster diving for food. No thank you! Realistically, most of us will not want to do the things required to retire at 30, 40 or 50. In fact, many people who are reading this likely are not saving enough to maintain their current standard of living during their golden years, if they retired at the age of 70. It pains me to report that about 21% of people have zero, zilch, nada saved for retirement, according to the Northwestern Mutual's 2018 Planning & Progress Study.

Well said Illidi. There are more ways than ever, mostly because of the internet. I think the secret is to put out a product or service that’s unique. Not that you have to invent a whole new business, but take an existing business concept, and add something unique to it. Because you’re absolutely right, everyone is getting into the game, making it harder to succeed.

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It's a little awkward, so we'll get straight to the point: This Wednesday we humbly ask you to defend Wikipedia's independence. We depend on donations averaging about $16.36, but 99% of our readers don't give. We ask you to become part of that small number of donors who recognize our needs and donate. If everyone reading this gave $2.75, we could keep Wikipedia thriving for years to come. The price of your Wednesday coffee is all we need. People told us we'd regret making Wikipedia a non-profit. But if Wikipedia became commercial, it would be a great loss to the world. Wikipedia is a place to learn, not a place for advertising. The heart and soul of Wikipedia is a community of people working to bring you unlimited access to reliable, neutral information. Please take a minute to help us keep Wikipedia online and growing. Thank you.

Why Everybody Is Talking About Financial FreedomThe Simple Truth Revealed


Based on a conservative 2.5% – 5% annual return, a household would need investments of between $1,200,000 – $2,400,000 to be considered financially independent. Once you’ve got at least $1,200,000 in investable assets and no longer want to work again, I don’t recommend shooting for an overall return much greater than 5%. You can carve out 10% of your investable assets to go swing for the fences if you wish, but not more. There is no need since you have already won the game.

It’s free to join the SellHealth affiliate program, though you do have to apply and be accepted before you can start promoting their products.  Once you’re accepted, you’ll have access to a number of tools, graphics, banners and more that you can use to promote SellHealth products.  The sales are actually made at company-owned Websites, which look professional and handle all of the selling. Commissions vary, but the base rate is 30% of all sales and upsells, and SellHealth says you can earn up to $350 per sale.
For those of you looking to retire early with financial freedom, think about what your bare minimum retirement would look like. Could you move to a place with a lower cost of living? Would you give up going out to dinner? Work towards a nest egg that will support this bare-bones lifestyle. You probably will decide against moving to that cabin in the woods without running water, but it might be nice to know you could. Considering your bare minimum retirement, and knowing you have enough money saved to at least cover some standard of living in your early retirement, will also influence other life choices you may make along the way.
Even though I passed the point where my savings could cover my essential expenses quite a while ago, I’ve decided to keep working and pad my balances a bit more. Since I’ll likely have plenty of buffer by the time I actually pull the plug on work, I plan to just maintain my current portfolio, which consists primarily of low-cost, stock market index funds. Since I could always work again if necessary, I’m happy to take on a bit more risk for higher potential returns.
As someone who has lived in Mexico City for almost 17 years, I’d personally avoid living in San Miguel de Allende after retirement. While the downtown is pretty, there is a lot of crime which goes unreported and of course it is full of tourists and expats (which to me is a big negative). Yes, I have been there. The area is very dry so it is mostly a good place to grow nopales (prickly pear cactus and not much else) so early retirees who want to grow their own veg would be have to do quite a lot of watering (hope to find a lot in town that isn’t too expensive. Most city lots have tiny or no gardens/yards in Mexico)

It’s funny you mention the different psychological levels of financial independence. I read a lot of blogs and there is this one Blogger who goes on every single other blog and shouts from the top of his lungs that he is a multimillionaire. But he has no self-confidence because his wife still works. His writing oozes insecurity probably due to the lack of friends, lack of success from his site, and lack of purpose. He also likes to write about his investments, but he’ll only publish his winners and never his losers and he’ll never talk about them when he does make an investment.

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Hi, Jamie! Very good list. I needed something like this for 2018 so that I know what to target in the future blogs I create. As for now, I’m comfortable using SiteGround affiliate network and it’s pretty good actually. Their hosting service is pretty much the best considered its price. I’ve tried others but SiteGround stands out. I’ll also try new affiliate networks, something from the list you have just provided. I think Amazon is too saturated at the moment, and I need a better network. 2018 will be interesting indeed.

Learn how to start a blog in less than an hour. Follow the step-by-step instructions we used when starting our blog, which now has reached more than 20 million people. Creating this blog is one of the best decisions Ryan and I ever made. After all, our blog is how we earn a living. More important, it's how we add value to other people's lives. Read more


AWIN is probably best for experienced affiliates who can hit the ground running without a lot of guidance or feedback from the network. There is a $5 fee charged to apply to become an affiliate, but if you’re approved, the $5 will be added to your account. If your application is denied, however, you will lose the $5 fee. AWIN operates globally, but it is most heavily concentrated on British and EU merchants.
If an investor puts $500,000 into a candy store with the agreement that the owners would pay the investor a percentage of earnings, that would be considered passive income as long as the investor does not participate in the operation of the business in any meaningful way other than placing the investment. The IRS states, however, that if the investor did help manage the company with the owners, the investor's income could be seen as active since the investor provided "material participation." 
Affiliate marketing is an ideal solution for those looking to gain control of their own income by focusing on performance-based revenue options. Working in tandem with a seller, a motivated affiliate marketer will be able to achieve a passive income from the comfort of their home without worrying about producing their own product or service. Although the success of the job does depend on the affiliate’s marketing skills, it can prove to be an effective way to meet your income goals as either a primary career or a profitable second job.
You might call it the time-money paradox. Most Americans trade the majority of their available time for a paycheck, and then spend the majority of each paycheck on depreciating material possessions. As the spending snowballs, many individuals desire a larger paycheck, which requires even longer hours and more responsibilities at work, leaving even less time to enjoy the income or possessions. It’s a vicious cycle that often continues in perpetuity until retirement or death.

Life Death And Financial Freedom


Agree though it all depends how one defines “best”. I put Madison, WI as one of the best places to live in the US and so do many others. Sure it’s small and not on a coast, but it’s one of the top biking cities in the US. It’s consistently ranked near the top for livability, surrounded by 4 lakes that are used year-round, home to a great public University and has a good tech scene with Epic Systems (EMR leader) and a nationally ranked accelerator, gener8tor. Plus it’s in America’s Heartland! The winters can get rough, but considering the median home price is only $220K it doesn’t take much to live large. Just light one of the fireplaces! 

How do I become financially independent from my parents


Since you’re not taking on debt, you’ll also need a savings plan for big purchases that aren’t emergencies. Let’s take summer vacation for example. It’s simple! Create a line item in your monthly budget and divide the total amount by the months you have to save. You’re not living in debt anymore, and that means you can enjoy your vacation instead of having a credit card bill follow you home.

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Chris Hogan is a #1 national best-selling author, dynamic speaker and financial expert. For more than a decade, Hogan has served at Ramsey Solutions, spreading a message of hope to audiences across the country as a financial coach and Ramsey Personality. Hogan challenges and equips people to take control of their money and reach their financial goals, using The Chris Hogan Show, his national TV appearances, and live events across the nation. His second book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—And How You Can Too is based on the largest study of net-worth millionaires ever conducted. You can follow Hogan on Twitter and Instagram at @ChrisHogan360 and online at chrishogan360.com or facebook.com/chrishogan360.
​Udemy is an online platform that lets its user take video courses on a wide array of subjects. Instead of being a consumer on Udemy you can instead be a producer, create your own video course, and allow users to purchase it. This is a fantastic option if you are highly knowledgeable in a specific subject matter. This can also be a great way to turn traditional tutoring into a passive income stream!
“The first step is to identify what you want to do in 5, 10, 20 years,” she said. “Where you want to be geographically, what you want to do, what you want your family to look like. Once you know that, you can mold your money to match what you want. Why do you want FI? I would write it down. And if you have a family or a partner that you live with, bring them in the conversation.”

Paying for a car repair without stress is just a small part of the picture. It’s more than just being able to afford emergencies. It’s knowing you don’t have to worry about retirement because you’ve worked with your financial advisor to invest consistently for decades. It’s the freedom to quit your J-O-B to do something you love, even if means getting paid less.


LinkConnector imposes a very rigorous and lengthy screening process, so you’ll need to prove that you have a high-quality website and established audience before being accepted. Despite its somewhat schizophrenic approach, LinkConnector does have some very happy long-term affiliates. And their “naked links” allow for direct connection to the merchant website without having to be rerouted via LinkConnector, which will give your website an SEO boost.
Today there are thousands of bloggers documenting their financial independence journey’s, an incredibly active financial independence subreddit, hundreds of podcasts, and even a documentary about the FIRE movement that I’m in called Playing with FIRE that will be released soon and includes others members of the financial independence retire early community.
Truebill is an app that helps you save money by identifying recurring subscriptions and other bills and helping you cut costs by negotiating better rates and fees. One of their partnerships is with Acradia Power, which has the potential to save you up to 30% on your electric bill. It searches for better power rates in areas where competition is allowed, and it locks in the better prices for you.
Financial Freedom by Grant Sabatier has woken me up from years of brainwashing by the status quo model of creating wealth. Grant not only shares his own experience of how he created financial independence early he provides the strategy and tools for me to do the same. As a full time single father, I consider this book to be the most important handbook to creating financial stability for myself and other parents or single adults. Thank you Grant.

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Once your hosting is set up, you need to install a content management system (CMS) for your site. We recommend WordPress because it is easy to use and a beginner (like you!) can quite quickly figure out how it works. Most good hosting providers will have a one-click install option for WordPress, which means it will only take you a couple of minutes and you will have WordPress installed on your site. 
A lot of the things mentioned above are right. there are so many opportunities to make some side money. I’ve recently been looking up different ways to create any kind of side income than can possibly help me out . I can tell you right now if your a beginner like I was, the best place to start would be signing up as an affiliate for amazon which is the most newbie friendly! Learn the game and grow. Or you can create your online store and dropship with shopify real people make thousands a week by doing this and you need little to no money to start. (Drop shipping as simple as i can put it is basically is where sell items from chines suppliers that can be dirt cheap and sell them for 2x 3x 5x the amount there being sold for)
Statistically, if you want to guess who is going to be wealthy and financially independent, you'd be more likely finding a self-sufficient student in wood shop class who paid for his own car, gets decent (but not spectacular) grades, has a job and enjoys what he does than selecting someone from the honor roll. It's counterintuitive, but it's often true.

I agree with FS. I hope my $1M number is too high but it’s not unreasonable. According to the Department of Agriculture study last year the average family with an combined household income of greater than $107,000 will spend on average $372,000 to raise a child to age 18. Add in $250k of college costs (before inflation) and you’re already over $600,000 for the average. This average doesn’t include private school costs. I hope to send my children to public school but private school tuition around here is $40,000+/year if the public schools aren’t good enough. Without kids we would have a 3 bedroom house, with kids we had to go with a 4 bedroom. Adding that 4th bedroom here adds about $400,000 to the price of the house and $8,000+ extra in property taxes annually. And we haven’t gotten to any extras yet. I was fortunate enough to travel internationally with my family growing up and I want to provide that experience to my children. I believe that is valuable but it also costs thousands per year.
Some advertisers offer multi-tier programs that distribute commission into a hierarchical referral network of sign-ups and sub-partners. In practical terms, publisher "A" signs up to the program with an advertiser and gets rewarded for the agreed activity conducted by a referred visitor. If publisher "A" attracts publishers "B" and "C" to sign up for the same program using his sign-up code, all future activities performed by publishers "B" and "C" will result in additional commission (at a lower rate) for publisher "A".

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Humans back to and including the Cro-Magnons seem to have had clearly defined rulers and status hierarchies.[citation needed] Digs in Russia at the Sungir Archaeological Site have revealed elaborate funeral clothing on a man and a pair of children buried there approximately 28,000 years ago.[citation needed] This indicates a considerable accumulation of wealth by some individuals or families. The high artisan skill also suggest the capacity to direct specialized labor to tasks that are not of any obvious utility to the group's survival.[citation needed]

I listened in admiration, and wanting to draw him out, that he might go on--Yes, Cephalus, I said: but I rather suspect that people in general are not convinced by you when you speak thus; they think that old age sits lightly upon you, not because of your happy disposition, but because you are rich, and wealth is well known to be a great comforter.

Death Financial Freedom And Taxes


Creating blog content is a very useful and effective way of consistently building content on a site. When creating blog posts, it's a good idea to do some keyword research to figure out what it is that your audience is interested in and searching for online. Also, be sure to research competitors, forums and social media to narrow down on topics for your blog. 

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Even if you find yourself in the Budget FI category, it’s still better than having to work at a soulless day job with a long commute and a terrible boss. Most people who find themselves in Budget FI are either on the younger side (<40), don’t have kids, or are forced to live frugally. I’ve found that in many cases, folks in Budget FI long to lead a more comfortable life so they either get back to work, do some consulting, or try to build a business within three years to move up the pyramid.
These figures are partially due to a highly progressive tax code that was implemented in the mid 2000’s that really went after income levels above these thresholds. Further, I carefully observed my happiness level from making much less to making much more. Any dollar earned above $250,000 – $300,000 didn’t make a lick of difference. In fact, I often noticed a decline in happiness due to the increased stress from work.

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A reason I believe 4% is reasonable, especially for myself and for Mad Fientist readers, is because early/semi retirees will have much more flexibility than the retirees that the Financial Mentor is writing for. You’ll notice in his article that he references $2.5 million and $3.3 million nest eggs in his article. I hate to make another assumption but I assume people with nest eggs that large most likely have much higher expenses and more financial obligations (i.e. bigger mortgages, boat loans, expensive habits, etc.) so it may be harder to adjust their lifestyles when the economy changes. For me, however, if I start withdrawing 4% from my portfolio but then the market tanks, I’ll be able to move somewhere where the cost of living is less and potentially pick up part-time work that I enjoy so that I can withdraw less from my portfolio during the downturns.
I realize this is not directed at me, but let me give you my current retirement “job”. I hold rehab notes for real estate investors. I carefully underwrite (evaluate) the deal and my returns are 1% a month. That $250,000 would generate $2500 a month. My cash utilization is also very high. My retirement job has a great following now, I rarely have enough capital to meet all the needs.

How can I become financially independent fast


I find it easy just to figure out what lifestyle you want, what it costs, and then make that your monthly nut. We relocated to a low cost-of-living midwest community, with excellent schools, and a medium-sized city within a 30-minute drive. My military retirement covers about half of our nut and we’re making up quite a bit more than the other half with work / contracts we’ve landed. We will save the remainder, pay off our house so that reduces our nut even further, then start jamming enough money into passive-income generating investments so that we can quit working entirely if we want, though work right now is interesting enough and is on terms that we set, so I’m not in a hurry to quit working anyway. As always, Sam, a good piece that I enjoyed reading…
Given that I am still in reading and preparation phase, I am mainly interested to overlap my niche with real life interests so I could have motivation to produce content on regular basis. Two that I am highly interested are PC parts and Fitness. I am aware they are too general subjects with lot of sites doing the same, but my idea is to produce constant review on PC parts, Laptops, Mobile devices, Accessories all in different categories, create lists like top5 or 10 under XX budget etc. Similar approach I would use if I I decide to go with Fitness path and divide content training advice, review of fat loss methods, supplementation, nutrition etc. I am aware that this will be a long journey and that it can pass few months before sales start to kick in and that’s the risk I am ready to take. My questions are:
My wife continues to work a really good sales job. I retired from corporate America in 2015 to work and consult with startups. I’m currently a co-founder of a healthcare software and services startup. I also have a pension that kicked in right after I turned 60 last October. Our combined incomes/pension are around 250K with our only debt being our mortgage which still has 7 years left @ 3.5%. I’m also thinking about paying a little extra toward principal to shorten the term to 5 years and coincide with when I turn 65.

Flexoffers is another huge affiliate marketing network. They pay you (the affiliate) a lot faster than others in the industry. It has more than 10 years of experience in the field. While they do not offer anything that is neither groundbreaking nor revolutionary, they do provide a solid array of tools and features that will surely aid you in your campaigns. In addition to the fast payouts, Flexoffers lets you choose from thousands of affiliate programs to promote, offers various content delivery formats, and more.
Thank you for the article, jlcollinsnh. I’ve always been a firm believer of making smart decisions in purchasing property, however, after doing further reading I am beginning to believe in renting instead of owning. The flexibility would be prized, but I believe the fixed cost is the best aspect. Planning my expenses for the future is troublesome at times, but this change would take out a large variable.

These figures are partially due to a highly progressive tax code that was implemented in the mid 2000’s that really went after income levels above these thresholds. Further, I carefully observed my happiness level from making much less to making much more. Any dollar earned above $250,000 – $300,000 didn’t make a lick of difference. In fact, I often noticed a decline in happiness due to the increased stress from work.

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There’s a good reason why ClickBank is still a strong contender, however it does tend to focus more on digital products which may be of questionable quality. Yes, the review process is more professional these days, but it’s still primarily focused on selling digital products, especially “how to make money” courses and the like. That being said, there are some genuinely high-quality products on offer, and few affiliate programs are bigger than ClickBank, especially in selling (primarily digital) books.
Overall I am looking to put in anywhere from 5k to 15k (if possible) a year into the designated retirement account and have that not count as income (so not a roth). From googling around, it seemed like a SEP IRA would require the LLC to do equal contributions and that we/I could not have free reign over the contribution. If I want to put 10k in retirement and my partner wants to put 5k in retirement, that just wouldn't work by the sounds of the terms of a SEP? The least amount of paperwork, the better, as I am the one doing all the book work for the LLC and management of it, so I'd like to not burden myself more than needed.
Hi Sam, interesting post as always. I’m always very curious about how you arrive at your estimates. It would be great if you could show us the math! (actually I’m very curious about this in your 401k value post) Anyway, in this post you mention: “need between $800,000 – $1,600,000 – to replicate 40,000 a year in passive income” This is a bit bigger than the standard 4% approach. I can see that you are cautious, I’m just wondering about how I could replicate some of the math too.
Great goals! It’s nice to see your journey play out. Since you are now talking about Thailand in your early retirement plan I thought I would point you to someone very interesting. When you have a minute, google “Paul Terhorst.” Since you are traveling in FI circles, you’ve probably already come across his name and read his book “Cashing in on the American Dream: How to Retire at 35.” In case you haven’t, he and his wife retired at the age of 35 back in the 80’s with about $500k. They have been perpetual travelers ever since – spending significant amounts of time in Thailand, Argentina and other parts of the globe. He would be a wonderful person to feature on your next podcast if you can get him. I consider him to be one of the grandfathers of the FIRE movement.
More money for my salary will not make me much happier. I don’t want more stress by working on something new. I just want to support my existing systems until they are rewritten externally or until I reach 55. I don’t want to rock the boat. In fact, I am mentally prepared to not get any more raises or a bonus from this day forward and I am OK with it. What I support is considered obsolete so they won’t throw money at me which doesn’t bother me.

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I know it can be scary to make change happen, but think about it: if you don’t take action now, what does your financial future really look like? All you need to do is take one step. Do one thing every day that will get you closer to your own financial dream — the key lies in taking action. You simply cannot have something without doing something to earn it. So, if you truly want it, ladies, it’s yours for the taking.

Financial Freedom Doesnt Have To Be Hard Read These 5 Tricks Go Get A Head Start


Affiliate marketing is a very large industry and has become a key source of online income for many thousands of professional bloggers. With more and more online businesses becoming involved in affiliate marketing, more opportunities have arisen for bloggers, like you and I, to make money with their blog. and to ultimately create passive income streams.
Many voucher code web sites use a click-to-reveal format, which requires the web site user to click to reveal the voucher code. The action of clicking places the cookie on the website visitor's computer. In the United Kingdom, the IAB Affiliate Council under chair Matt Bailey announced regulations[46] that stated that "Affiliates must not use a mechanism whereby users are encouraged to click to interact with content where it is unclear or confusing what the outcome will be."
A lot of the things mentioned above are right. there are so many opportunities to make some side money. I’ve recently been looking up different ways to create any kind of side income than can possibly help me out . I can tell you right now if your a beginner like I was, the best place to start would be signing up as an affiliate for amazon which is the most newbie friendly! Learn the game and grow. Or you can create your online store and dropship with shopify real people make thousands a week by doing this and you need little to no money to start. (Drop shipping as simple as i can put it is basically is where sell items from chines suppliers that can be dirt cheap and sell them for 2x 3x 5x the amount there being sold for) 
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