Health Saving Account (HSA) can be used as a tax-advantage saving vehicle, similar to IRA, but more! This is one of the pretax saving that gets overlooked by a lot of people, but it's actually one of the most powerful one. We will go over on how you can utilize HSA to reduce your tax bill, invest the money, as well as optimization strategy on how you can withdraw from … [Read more...] about HSA: IRA on steroid?
We built over $550k of real estate equity over 10 years. We (mostly me) made many mistakes along the way that wiped out the equities, even brought us to negative equities at a time. True, that we could've accumulated more equities had I not made these mistakes. But I don't regret it. Mistakes made us wiser and more resilient if we learn from them. I started buying … [Read more...] about 4 Simple Steps To Start Building Your Real Estate Empire
I don't hate tax. I just hate overpaying it. I'm not going to get philosophical about US Tax system here since this is a How-to. Tax optimization strategy tend to get complicated depending on one's circumstances at a given time. My goal is to walk through our experience in this area and hope that you can leverage the information. You get to crunch your own number at the … [Read more...] about Ultimate W2 Tax Strategy for Early Retirement
Announcement This just in! Retireby is officially listed in Rockstar Finance directory! For those who don't know, Rockstar Finance is an awesome blog aggregator around personal finance, financial independence, and early retirement. It features great articles related to personal finance, investing, FIRE, etc. daily. Blogger's net worth We made it to the rank as … [Read more...] about Retireby is officially listed in Rockstar Finance directory!
Here's a tutorial on how to start a blog or website from scratch. Creating a website from the ground up can be daunting at times. You browse around looking at other sites and notice how nice the design is, how easy it is to navigate, and how you love the feel of it. You start wondering how much time would the creator spend to create it from scratch. And chances are, you're … [Read more...] about How to start a blog from scratch
Being an engineer, I make data-driven decisions all the time at work and at home. I do apply if-else programming logic or decision tree in my head when there are options (with consequences) that I need to choose. This drives mrsRandom crazy a lot of times since she's more of an artist. Of course being a mortal, I make emotional / impulsive decision as well at times, which … [Read more...] about March 2018 Progress
I'd have to admit, just like the Space Needle, Seattle's Great Wheel is touristy. Being local, mrsRandom and I passed that spot so many times in our commute. We always ask each other, should we go ride it? Nah, we live here, that one is for tourists. Then one day, mrsRandom surprised me on my birthday and took me and alohaJunior there. It was a sunny and close to sunset. The … [Read more...] about Seattle’s Great Wheel
Here's an easy way to make some extra cash back on grocery and shopping. And here's $10 to get you started (not a scam, I promise it's a nothing-to-lose game). I don't know about you, but shopping (as in going to a mixed-use or grocery store) is not my most favorite things to do in the world. I get bored easily after walking one round. After all, why would Amazon Prime … [Read more...] about Ibotta Review: I made $42 cash back and the app gets easier to use