Author Archives : Mr WoW

Vanguard Isn’t Always The Answer


Vanguard is something that people in the FIRE community hold almost as a deity.  Everything is bench marked against Vanguard, and rightfully so.  They are the fore-fathers of low-cost index investing.  They disperse ownership of the firm to the owners of their funds, therefore incentivizing the fund managers to keep costs a low as possible.  Let’s discuss why Vanguard is…

The Cost Effective Time Machine


Riding a motorcycle is one of those great American pastimes.  There’s something very liberating about just being on the open road and feeling the wind brush against you as you race down the highway.  There’s a freedom to it that just doesn’t exist when driving a car.  Yes, you can get a similar feeling riding a bicycle, and I love…

The Quest for 1,000,000 UR Points


Credit Card churning is something that goes hand-in-hand with the whole FIRE and slow travel mentality.  If you are going to be traveling around and there’s a company out there that will give you a handsome sum to do something you are doing anyway, why not?  At the moment we’re approaching 1 Million Chase Ultimate Rewards points, and here’s some…

Guest Post: You Get What You Pay For


Our post this week come from Mrs. PickyPincher over at pickypinchers.com.  They’re working their way from debt to FIRE and documenting all the trials and lessons they are coming across as they go.  She was kind enough to help us out and let us know that you should really consider all the costs to what you are buying.  Some times it…

Going For a Bike Ride- Part 3


To the typical rebuttal to the frugal way of life, and working toward our FI plans: But, what if you get hit by a bus? Well… I did, sort of.  This is Part 3.  You can catch up on Part 1 & Part 2. Here’s a brief update on what’s happened since the last installment: There’s been no movement on the…

The Epic Battle Against The Ball Gag 401k


One of the first things that I do when I start a new job, like any rationally-minded person is check out the company’s package.  My past job had a 401k plan that looked reasonable enough.  They matched up to a certain percent (I believe it was 4%) after you had spent a year there and that was 100% vested.  So, really…

What We’ve Learned from Blogging for 6 Months


I was flipping through our posts the other day… just scanning to see what it looks like. I came to realize, It’s been 6 months since we started!?!? Yup, our first post went up on Oct 23rd of 2016. Hooray!!!  We’ll celebrate with half a waffle!!! We’re definitely still learning, and trying to find our voice and place in this crazy…

The Craziness of Real Estate in LA


So, I had lunch yesterday with some friends.  These are close friends that we’ve known for quite a while.  It was nice, I haven’t seen them in a while, and they are moving into an apartment together. (CONGRATS!) Moving is just such a painful, excruciating time.  But, it came up that they want to buy a place and they are looking…

Why Early Retirement Makes You an A**hole


It’s really amazing the vitriol that the FIRE community generates when they are exposed to the main population. That’s impossible, You can’t do that! You’re a bum! Must be nice to be a filthy rich spoiled brat! All of us in this community tend to reply: Hey, it’s not that hard, you just have to want it and make it…

Going For Bike Ride – Part 2


When it comes to the arguments against FI most people always resort back to the tried and true: But, what if you get hit by a bus? Well, I did (er, a car, but still). This is a continuation of Part 1. Before we go further, I want to make it clear. I never intended to sue the girl that hit me,…