Thank you for visiting my blog! I am a 67-year-old guy who loves hiking and who basically stumbled into financial independence and earlier retirement when I was 53. If I had known in my 30’s what I know now, I could have freed myself from wage slavery much, much sooner. And that is the whole point of Retired To Win. To help you become financially independent sooner rather than later.
In early 2013, I shifted 20% of my capital from high-yield stocks to high-yield corporate bonds. I did it because I bought into the mantra that a mix of stocks and bonds would be safer than a 100% stock portfolio. Well, that definitely did not work for me. By mid-2014, I was finally out of […]
I guess I’m not really a man of leisure, even though I could be. I’m just not cut out for endless bouts of lying on a pool chair or lounging on a porch rocker, with nothing more to do than browse a newspaper or sip a beverage. Like it or not, I need to […]
Monetizing my blog has tempted me for a long time. But I’ve decided I’ll be much better off not doing it. And a lot happier. Here’s why. […]
With very, very few exceptions, I actually buy whatever I want. I spend freely on whatever I want. Flat out splurge if I want. And yet I also practice frugal living and keep my annual basic living costs under $15,000. Here’s how all that can work together for me without contradiction. And how you […]
Doing cash back rewards credit cards is worth it to me because it would not be very frugal to leave all that money on the table. It just takes a little credit card management on my part to capture big cash back rewards payouts. And here’s that story. […]
Having the daily freedom to sleep or wake as I see fit is one of the HUGE “little” benefits that I gained when I became job-free. And here’s what that’s like. […]
My financial planning makes it possible for me to enjoy one of the great benefits of being wealthy without actually having to be rich. That benefit is something that cannot be measured in dollars: peace of mind. What I call the shrug-and-chuckle benefit of financial planning. And it is priceless. Here is what I mean. […]
Generally, I do not carry any debt. But that does not mean that I do not have borrowing capability. I made it a point to bring my debt installment payments down to zero before I retired. But that does not mean I did not borrow regularly before. Or that I would not borrow again. Because […]
I was not always frugal. Far from it. But I have been living frugally for so long now that it has become automatic. Frugality is now hardwired into my approach to life. But I’ve decided to rethink and question why and whether I should continue to live frugally. I no longer need to – […]
I take a written shopping list on every buying trip. And those lists act as superb spending control tools. Here’s how I build and use those lists. […]
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