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  • 2024 Year End Wrap Up

    I AM WRITING TO YOU FROM BALTIMORE, MARYLAND. Yippeeeeeee! We’ve done it! We packed up a uhaul, drove across half of the country, and moved into an apartment in Baltimore. Our unit is great, the neighborhood has been exceeding expectations, and the work transition has been smooth! As usual for my end of year review, I plan to cover each of the following: Expenses This year, after five years of marriage, my partner and I combined our accounts. In the past, we each contributed a specific amount from each paycheck into our joint account that would cover joint bills, but…

  • Prioritizing Our Priorities

    For any perspective FIRE flowers out there, drop everything and move this book from your TBR list to Currently Reading: Your Money or Your Life by Vicki Robin. This was one of the first books I read that introduced me to the concept of Financial Independence. It is my opinion that this is not a frugal FIRE book; one of the key takeaways I garnered from this phenomenal read was the concept of spending money on your priorities. My partner and I had noticed over the course of our study of other peoples’ FIRE journeys that the frugality of most…

  • Mid-year Yammering

    This post may be underwhelming. I am a bundle of excited/anxious/nervous energy and I am not going to say anything of real quality in this post haha please don’t unsubscribe. But feel free to skim over this one and come back on a later date. Items I will cover: Condo Update Our condo has not sold yet. We have had two showings, but none fell in love. Shoot! This is where my haywire energies are stemming from. Once we have an offer with a close date listed, we can start making plans and moves and really make progress toward calibrating…

  • Step 1: List the Condo

    Happy 420 FIRE Flowers! Quick but potent update for you all: As of 2 days ago, our condo listing is officially LIVE and on the market!! We called a realtor that specializes in downtown condos on April 1st, and spent the last two weeks socking away clutter to get ready for the listing pictures. Below are some of the results! Moe took it upon himself to offer his creative stylings to the floor plan lol We really do love this place – it’s just that it isn’t located in Baltimore. So, I think I am saving these pictures so that…

  • Coast is Clear: A Shift in our FIRE Plan

    I wrote my previous tax planning post in December to summarize all of the deep thinking I had been doing on which tax buckets we would be drawing money from in retirement. The thing is…I kept thinking. Long after I optimized our FIRE plan, I kept running scenarios. What if we didn’t get a mortgage? Rent vs mortgage? Moving to Baltimore now vs at FIRE? My degree is in math, and my skill set in my career revolves around math modeling. Naturally, I’ve built some masterful models for our financial plan. And then one day in January, I was having…