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We are moving to TN in the spring. Our new home is currently under construction.

@@OurRetireEarlyJourney How exciting! My husband works remotely for a company in Columbia, Tennessee and I go down with him. Love the Franklin/Springhill area! Best wishes!

Thank you for watching!

Thank you for watching and sharing.

Thank you for watching and your support!

@@gurrrrlish Absolutely! + HSAs to that list.

@@FIRE_DrNinjaTurtle 50% is amazing. Not sure what next year will bring. We need to forecast our savings rate in a few months for next year. Thanks for watching and sharing!

@@JUANORQUIO thank you for watching and sharing.

@@jesusgjchuza6491 thank you for watching.

Thank you for watching. A good plan is better than trying to seek a perfect plan. We've already altered our plans a few times over the past few years because we've made more progress than originally forecasted.

Thank you Steve. We try to keep boring things still entertaining. 😅 Let’s be honest, saving and investing is like watching paint dry. We appreciate the feedback!

Thank you for watching!

We do enjoy going out for cocktails and visiting breweries.

@@leehaskins307 We pay over $3,000 every 3 months for property taxes in a state that has a motto of “Live Free or Die”. We are moving next year to TN.

@@OurRetireEarlyJourney wow… thats outragous property taxes…. hope you enjoy TN.. wont pay that crazy amount in TN

We do take vacations, we have spent 30% of our spendable income this year on vacations, dining out, etc. We aren't depriving ourselves by any means. Yesterday we visited a bunch of breweries to have fun. Thank you for watching and sharing.

It never seems to slow down... expenses are always piling up no matter where you look. We are bracing for all the money we need to spend to purchase all new furnishings for our home. At least we will get all new items rather than paying to move old ones. As for pellets, we go through 5-6 tons a year as its cold here for a very long time. Thanks for watching and sharing!

Great question Rich. As of last month our breakdown of assets were: 44% S&P 500 Mutual Fund, 38% Growth ETFs, 12% Cash, 3% Individual Stocks, 2% Dividend ETFs. We have very little of our assets in individuals. We like to play in the market, thus individual stocks. We have had success with them in the past and decided to start investing in them again. In the long run, they will likely only represent 2-3% of our portfolio. We do know other Fire people that have very large portions of their investments in individual stocks. We have been aggressive in investing but that is too aggressive for us. Thanks for watching!

@@davegass1650 Thanks Dave for watching and sharing. We try like heck to hit our goals monthly, sometimes it just doesn’t happen.

@@hardyfinancialcoaching You do an amazing job with distilling financial education to the right level for all levels of people. We appreciate what you do!

Thank you for watching and sharing. Little bit every month is a micro change and if you do many of them, you will see macro growth!

It's a tip to quick wealth growth, budget for 24 paychecks, not 26! Thanks for watching and sharing.

Thank you for watching and the positive feedback!

Thanks Tiger for watching and your support as always. We really wish we did this in our 20's and 30's. We would have been much better off for sure. We are playing massive catch up in our late 40s.

Thanks for watching and sharing. We also pay our property taxes every 3 months which are over $3000 each payment. We do the same with our insurances as you have stated as well. Our expenses monthly are pretty high due to where we live. By flatlining the amount, we've moved some of the payments around to be able to pay this way. Christmas for example, we are going to start buying in Oct and Nov because we have a property tax bill due in Dec. We have years of spending categorized so we know every month what bills are coming and the averages, so we know where we can do more or less. This allows us still to have fun in this journey rather than just pay for necessities and obtain our goal without "living".

Of course it will work for you. Annual tax divided by 12.

@@mikeyis009 yeah but that is a sinking fund and they said they are not doing that.

@@OurRetireEarlyJourney I get it. So certain months you overspend in certain categories so you have availability to spend in others the months the expenses are due. Guess I am creature of habit--just peeling certain amounts off my paycheck and into a sinking fund so when the taxes or insurance are due, I have the money. In Ilinois, we pay taxes June 1 and September 1 so we don't even get a 6 month break. They squish them together (and YES, I think that is not a very nice way to do that). Hence a sinking fund works best.

@@sarahthompson5066 completely understand, we try different strategies for everything and see what works best.

Thanks David for watching and the feedback. Trying to get a little crisper on the display to help convey the progress. Is there anything we should add or change?

@@OurRetireEarlyJourney I would not change anything. Are you using something free for this? I know how important visuals are for learning. It would be great to learn how to add things like this since I have only been doing low-tech screenshots. In my work career, I love teaching and training. My Master's is in Adult Education. M eD. You make me want to step things up.

@@davidnprogress Tools we use are Google Sheets, Google Slides & Canva to produce it all together. We are using all free tools as we are still frugal!🤣

Jim would be sleeping in the car with the dead battery. 🤣 Thanks for watching!

@@OurRetireEarlyJourney 😆

Thanks Julie for recommending this channel.

@@miker9006 her channel is one of our favorites!

@@miker9006 You're welcome! 😁

Thank you for watching and the feedback. We try to be as transparent as possible while still holding a little back on our totals as we are strong believers that wealth should be invisible. We really enjoy their channel and how real they are on their videos.

Thank you for watching and your continued support!

The flat based budgeting has really helped us a ton reduce expenses, especially since August of 2023. You really can only do this if you have at least a year or two of expense data to be able to know your monthly average of spending (after you target a savings rate). Your videos on FIRE and where you are in the journey will absolutely help others that are just starting out! We wish we had chronicled ours to show the progress from being heavily in debt and what our mindset was to get out of it.

We appreciate you watching and for the feedback. It takes a bit of time to put it together and hoping it resonates.

Thank you Libby for watching and the kind feedback. Just shows no matter how good you think you are doing, life humbles you. We wish we would have made videos years ago to show the constant struggle and fumbles we've had. We hope you and your family have a great rest of the week as well!

1% over budget is NOT a fail. We use a MISC category that grows by $200 per month. Some months it just adds up. Other months, we do the brakes on a car. Or car battery. Works excellent for us. The actual cash is in our savings account so it grows while waiting to be used. Keep it up. You two rock.

@@mikeyis009 Thank you for watching and sharing! We set monthly goals and if we don't hit them, we fail. It's okay to fail now and then as long as you don't loose sight of the goals. These motivate us more and it really has helped growing our assets.

We love it, but never feel like we can justify the time to do it!

Thank you Katie for watching and the kind words. We feel blessed to be in the position we are in now. It wasn't easy getting this far but its possible with the knowledge and discipline. We just wish we knew a lot of this much earlier in life.

Thanks Martin for watching and sharing!

Thank you for watching both. We are relocating to eastern TN. The weather in the mountains here is much like NH, minus the brutal winters.

Thank you for watching and sharing. We want that freedom as well. The plan is to retire, but you never know. We might actually keep working as we do love our careers and companies.

Thank you for watching and sharing. We learned from a comment that it was created due to Starbucks offering part time workers benefits where most companies do not if you are part time. We still aren't a huge fan of using it.

Wow, 9! That is so young. Stress is a big motivator for us as well. It's Monday morning now and you know last night we were prepping for the work week already. It will be nice when we do not have to do that. Thank you for watching and sharing.

Thank you for watching and the question. We are planning on either buying one through "Obamacare" or hunting one out that is local to our community. We do know that TN has a Farm Bureau that offers affordable health plans. In our planning we are currently planning on out of pocket costs for health insurance.

Hi Mary! 🙂

Thank you for watching and sharing! It sure is a dream. We are trying to hit that number. We aren't penny pinching to get there, but we sure are not taking lavish vacations often, nor spending money on nice vehicles, etc. Just trying to get that time back.

Too funny Failure! We need to get our hobbies back. The only one we do really now is brewery hop. We wish we had time to do more, but we know it's in our future at least. We appreciate you watching and sharing!

@@OurRetireEarlyJourney all in good time

LOL We can't wait... congratulations on being able to retire so early! We wish we could have done that, but we really did not start planning until we were 42 & 44. We had been saving in 401ks but not doing it how we should have been. Any tips for how you were able to get to a point to be able to retire at 44?

@@OurRetireEarlyJourney Marry smart. In our culture we were taught to be frugal and high achievers. Wife and I both bought houses pre 2017 when we were single (now we live in one and the other is rental income), and both invested 15% into 401k since we started working in our 20's. Since we got married we've been focusing on investing in brokerage to bridge the gap between our retirement and when pension and 401k kicks in in 15 years.

Thanks for watching and sharing. We know the feeling. It's a perfect hiking day here in NH, but we are working. Some day, some day....

Love it! We appreciate a great rivalry... Thanks for watching.

Thanks for watching and the question. We chose a resort community because we are social people and as we age we generally become more isolated and did not want to be in the woods alone forever. We wanted to be around other people that are social as well and have "built in" activities in a master built community such as hiking trails, gym, pools, lakes, golf courses, tennis, racquet ball, etc. We love that the entire community is manicured and looks beautiful. It's very strict, but we actually like that. Lastly, we like that we have our own police, fire, churches, grocery store, restaurants, assisted living facilities ect all accessible within minutes.

Thanks for watching and sharing. Our original goal was 2030 as well but luckily we've been able to move it up!