Fit FIRE

This spring my husband introduced me to the subreddit board for Financial Independence.  Although it seems the majority of those who post are males in the tech field (my husband fits this category) I have started to read the posts regularly.  Since it is much smaller than the Mr. Money Mustache forum it is much easier to manage.  I get too overwhelmed sometimes trying to find topics of interest when I go to the MMM forum so Reddit has been my go to recently.

In addition to the regular Financial Independence subreddit there are also a couple more specific pages.  There is a page for LeanFIRE which is for those who are trying to reach Financial Independence and Retirement (FI/RE) but with smaller budgets.  These individuals are trying to make it happen with $40,000 or less in expenses.  For many this means they might need only $1,000,000 in investments as a 4% withdrawal rate would generate enough income for these individuals.  Although I wish we could get our expenses down to that level it is just not possible where we live.  We live solidly in a medium COL area and our mortgage and property taxes alone are almost $18,000 per year.  No, we don’t live in an extravagant house.  Our home is a very modest duplex where the majority of this cost is covered by the rental income but still, it demonstrates that where we live is not cheap.  So as much as I would love to be after a LeanFIRE lifestyle it is just not realistic for us. Continue reading “Fit FIRE”

Our 4th of July Adventure

Mr. SFF and I had a fantastic long four day weekend for the 4th of July.  The rain finally relented on Sunday and we had three glorious days of weather.  The best part though was the evening of the 4th.  We planned an evening hike with a couple of close friends and boy, was it amazing!

4.6 miles with 2800 of elevation gain.

The four of us carpooled to the trail head and strapped on our hiking boots around 6:30 pm.  I love hiking but this was the first time I had set out for a hike when I would normally be heading home.  None of us had hiked this particular trail but based on research we figured it would be one of the most direct routes to the top of one of the highest peaks in our area, giving us a clear view of the entire valley. Continue reading “Our 4th of July Adventure”