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
It was late 2017. I held my 1-day old son in my arm. As a father, I felt tremendous amount of responsibility towards this child. I started to think about his future, how fun would it be to watch him grow, how he would be my ski buddy, how we would drop him off to his first day of kindergarten, elementary, first year of college... wait a minute, college! That would cost an arm … [Read more...] about College Saving: 529 vs. Roth IRA