Wandering Money Pig - A journey of early retirement and FIRE (financial independence retire early)

  Use dollar cost averaging to grow your money Warren Buffett:  “The most important quality for an investor is temperament, not intellect.  You need a temperament that neither derives great pleasure from being with the crowd or against the crowd.” One of the biggest contributor to us (my wife and I) successfully becoming financially independent and retiring early, was our use of company sponsored retirement account, the 401k.  Besides automating the savings process where a set desired amount is put away each paycheck, the 401k also has a major benefit of reducing taxable income during the working/earning years.   While some people may consider 401k to be a success while others may consider it to be a failure, it’s our job as individuals, to learn to use this tool to our advantage.  In life, there is no perfection.  Everything will have its pros and cons.   Learning to accept the limitations while understanding the benefits is the attitude we all should take when it comes to 401k.  I c

  Grandview Overlook, New River Gorge National Park During the month of October, our pack (my wife, myself, and our Pomeranian) stayed at a ski resort in West Virginia, called Snowshoe Mountain Resort .  It took us several days to get acclimated to our new place, but eventually we set out to explore the beautiful state of West Virginia. One of those destinations ended up being the New River Gorge National Park .  We were introduced to this park by YouTubers Adventure Archives , who visited the park twice on their many awesome camping trips.  We were excited to be visiting a park filmed by the folks at Adventure Archives, and we were eager to get going! New River Gorge National Park is one of the most recent parks to be designated as a national park (December 2020).  It was also listed by Time Magazine as one of 100 greatest places on the planet.   The New River is one of the oldest rivers in the world, with many believing it to be the oldest in the United States.  Encompassing over 70

  Toby at the World Famous Horseshoe Curve, Altoona, PA Epictetus:  “He is a wise man who does not grieve for the things which he has not, but rejoices for those which he has.” My wife and I (and our Pomeranian) have lived in many different AirBNB/Vrbo rentals since our early retirement in August 2020.  Our first foray into our month long AirBNB/Vrbo rental started in a tiny one bedroom third floor walk up in Ocean City, Maryland. It was a tiny place with a even tinier bathroom.  The place reeked of smoke, and we also had a neighbor downstairs who smoked often and smoked heavy.  We learned to make the rental our own after cleaning the place and ventilating it.   Our initial disappointment at our rental would eventually give way to actual enjoyment, satisfaction, and appreciation.  We learned to appreciate the smelly little place with a tiny bathroom because it had everything we needed for our stay.   It had a working toilet/shower, running water, air conditioning, beds, full kitchen, a

  Green Bank Observatory, WV Albert Einstein:  “There are only two ways to live your life.  One is as though nothing is a miracle.  The other is as though everything is a miracle.” Our pack (my wife, myself, and our Pomeranian Toby) was on our way to Snowshoe Mountain Resort in West Virginia from New York City, on October 1st, embarking on our 1 month long journey in the Mountain State .  As we got near our destination, we were totally taken aback by the sight of Green Bank Observatory , in the town of Green Bank, which is about 13 miles from Snowshoe Mountain Resort. When we first saw Green Bank Observatory, we couldn’t believe a scientific institution of this size (facility is immense!) existed in the middle of nowhere in West Virginia.  As we approached the town of Green Bank, the first thing we remember about the town was of a police cruiser pulling over someone who was speeding.   The speed limit had decreased rapidly from 55 mph to 35 mph as we entered the town.  It was a speed

  Expressing gratitude for happiness and for FIRE! Charles Dickens:  “Reflect upon your present blessings, for which every man has plenty; not on your past misfortunes, of which all men have some.” My wife and I are early retirees since ages 51 and 48.  We’ve decided to retire to travel, spend time with our family, and to be free from stressful jobs.  We reached financial independence around August of 2020 thanks to the FIRE (financial independence retire early) movement.  By spending less and saving for the future, we jumped off the rat race! In this post, I’d like to share my thoughts on the importance of expressing gratitude for happiness and for financial independence. Growing up poor, I didn’t think I needed to be thankful for anything.  In my opinion, expressing gratitude is only possible when your basic needs are satisfied.  These needs are shelter, food, love, and security. My family was kicked out of our apartment rental when I was 12 years old.  The eviction came due to unpai