Spreading the FIRE

I’m starting with our wins of the week:

  • Filed our taxes via H&R Block and got fat federal and state returns (this probably means we need to adjust deductions)
  • Took federal return to pay off one card! WHOO!

Going for the Gold!

golden gardens

No one wants to stop spending. I haven’t found too many like-minded friends in my circle of friends. A co-worker is enthusiastically into FI, so it’s pretty awesome to share learnings and successes with each other. But among my close friends and family, it’s not spreading. I’m not exactly pushing it either. You have to be interested in learning and open to change. And breaking away from our consumer-driven culture isn’t something a lot people are interested in. People like to shop.
But, let’s pretend.
At this point, if asked, I would recommend the following books:

I haven’t read these, but they’re on my list:

Podcasts:

Blogs: I don’t read too many – just not enough time, but I like these:

We’re nine months in and these are all common names to me now. There’s such a wealth of free information foranyone that wants it. It’s like we all have the ability to stretch this super muscle, but we don’t. It doesn’t have to be complicated, there are several simple changes you can make that make a huge impact. Anyone can do it!

My Favorite FIRE Resources

I am surprised the ChooseFI guys didn’t win a PLUTUS award. They’re my choice for FIRE info and have introduced me to so many resources. My favorite to date is JL Collins’ Simple Path to Wealth. I got the (free) audio book, shared it with DH and proceed to actually spend money on a hard copy. That’s how much I value the information.
I’m sure I’ll find another great resource on this list … hoping I can find one as an audio book to listen to on my commute and long runs.

like pages in a book
Growing

Being five months into this journey, I’ve only scratched the surface on the resources available and the amount of information can be a little overwhelming at times. But, I like to keep to the JL Collins mindset: Keep it Simple.

So, in keeping it simple, this week’s FI activities were all about continuing to consolidate our monies:

  • Showing DH how to sell non-VTSAX so he can buy VTSAX, via Vanguard
  • Sold two of my Vanguard funds that we’re over the 1% expense ratio; no, I’m not 100% VTSAX yet because on some funds, there’s a $50 charge for transactions within 60 days … I’m math adverse and cheap, so I’m avoid that $50 because it’s easier then calculating the impact of a higher percent expense ratio (read: I AM LAZY)
  • Transferred my 401k from prior employer and firm to Vanguard

Huge thanks to Brad & Jonathan from ChooseFI for inspiring the FIRE in this family. You’ve won our award for being the best FI-influencer. Today’s episode scared me (we own and owe on three houses), but that’s a story for another time.