Follow-up to Virtual Meetup #5

Thanks to everyone who joined the virtual meetup. We had a lot of good discussions which extended beyond the scheduled one hour. I was not sure if I answered all the questions clearly. So here is a post that clarifies things a little bit in case I was not clear earlier. Here are some questions that were asked and my responses. Is your daughter’s all equity portfolio returns better than yours? Yes. Her XIRR is 20% vs my 12% returns. My portfolio does not include the US employee stock grants. Did you consider your foreign employee stock options as part … Continue reading “Follow-up to Virtual Meetup #5”

Thirty Years Into Retirement

It’s been barely three years into my early retirement. So, no I am not talking about myself here. I recently came across this article about a couple who retired 30 years ago. And they were 38 then. What great clarity they must have had of their future to retire in 1991! Since FIRE (Financial Independence, Retire Early) is a new phenomenon, there aren’t a lot of stories where people have been retired for a long period of time. Thanks to this couple, I have an opportunity to study their story and see what can apply to us. I wanted to … Continue reading “Thirty Years Into Retirement”

How To Plan Your Financial Independence

Several people have routinely asked me whether I planned for this or that before deciding to retire early. Well I planned the way that works for me under my circumstances. There is no one size fits all and no one comprehensive definite solution. None the less, since so many people have this question about how to go about planning for financial independence, I thought I should write a post about it. So what were your questions? Some have asked me if I had planned for child’s education, child’s marriage, travel, medical expenses, inheritance etc before deciding to retire early. I … Continue reading “How To Plan Your Financial Independence”