Do You Have a Vision for Your Retirement?

Do you have a dream for early retirement

Do you dream about early retirement? The definition of retirement is the action of leaving one’s job and ceasing to work. That is why the term retirement and financial independence are often used interchangeably. Both, retirement and financial independence, are achieved when you have enough retirement savings and investment incomes or NZ super to cover your expenses. The History of Retirement Retirement hasn’t actually been around for that long- it …

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Are you living, or Just Existing?

Are you living, or Just Existing. How many free years do you really have on this earth

Ever since I did the post about The Cost of Holding a Job, I’ve been thinking about life. When people say they have been thinking about their life they usually refer to what they want to do in life. They might want to spend life perusing a career, having a family, or travelling, or just doing leisure activities they enjoy. And I can understand why. I think about all these …

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The Shockingly Simple Maths – Simulations

The Shockingly Simple Maths – Anecdotal Evidence

Last week I said that the what started my journey to financial freedom was reading the post the shockingly simple maths behind retiring early from Mr Money Mustache. When I read that somehow everything seemed to click for me. It all just boils down to your savings rate. However, lately, I have been reading some post stating that in reality, it’s not as simple as what Mr MMM lays out. …

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What to do in a Falling Market?

What to do in a falling stock market

Recently, the stock market hasn’t been doing so well. Businesses around the world, like Apple and Kathmandu, are announcing disappointing sales. Just go look at your kiwisaver balance. You might find that it has decreased in value slightly. The question is, what should you do with your investments when the market is falling? Specifically, your investments in stocks. Several months ago, NZ business confidence was at a 9 year low. …

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November 2018 Spending and Investment Report

Monthly Spending and Income Reports Passive Income New Zealand

It’s December already. How it is December already? The year is speeding by and it’s nearly time to say goodbye to 2018 and hello to 2019. It’s also the start of summer, but for three days now all I have seen is rain. I don’t handle being cooped up in the house when it is raining on the weekend. I’m an outdoors kinda person. I wanted to tend to my …

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Will You Be Happier If You Work Till You Die?

Will You Be Happier If You Work Till You Die?

Lately, this Suze Orman character, someone I’ve never heard of, started telling people they will be happier if they work till they die.  Not exactly in those words, but close enough. She does not think the average person can achieve FIRE. And to be honest, the normal person can’t if they were to live like her. Take her opinion on how much you would need to retire “You need at …

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KiwiSaver Myths, Busting the Big Misconceptions

Common Kiwisaver Myths that still exist.

The markets have been a bit shaky at the moment. And now everyone is talking about what’s happening with their KiwiSaver. Your KiwiSaver might have recently seen a decrease in value if you have some proportion of in investing in the stock market. Whenever I talk to people about KiwiSaver, talking to friends and family, colleagues, and even strangers waiting in lines at the bank, (Yes that did happen once) …

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Why Do We Fantasize About The End of the World?

The end of the world is near. Are you prepared?

Every day, there seems to be another prediction on when and how the world will end. Maybe it will be destroyed by asteroids, or mankind will release numerous nuclear weapons and initiate the dreaded mutually assured destruction.  A zombie virus might break out, or global warming destroys the planets ability to sustain life.  The blood moon may signal the second coming of Christ.  Ronald Weinland from the Church of God …

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Why do we FIRE

What are the motivations for you to become financial independent and retire early?

Everyone has different motivations behind why they want to become financially independent and retire early. Working towards financial independence is an admiral goal. And one of the first steps is to really know why you are doing it. Knowing why you want to become financially independent will help motivate you. Help you stick the course. Help you realise there is another way to live your life. So why do you …

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