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Independence Day!

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I sent out a Twitter post this evening. It went like this, “Real Independence Day is when you live on your own, with your own, and by your own. Until then you are not free. I wish you all the best!”.

Last year at this time, I was not living on my own and by my own. I was still tethered to a 9 to 5 job, waiting for the day to arrive when I would be able to declare my independence. Little did I know that the day was just around the corner.

You might be close to that day or very far away. I can only guaranteee one thing. The time will go by very quickly. We make little milestones to make the week pass more slowly, and it seems to be working.

For example, we start the week with the Farmer’s Market. We get fresh vegetables, fruit, and dairy products. One treat is getting fresh locally made cheese. On Wednesday, we have Starbucks in the morning – a couple of lattes and some pound cake – as a treat. Wednesday night is salmon night. We get some fresh salmon and cook it on the grill. Yum Yum!!

Fridays, we enjoy breakfast together and enjoy each other’s company. We have espresso at home and plan the weekend. While having a set schedule each week seems to make the week pass quickly, it also enables us to take each day as it comes.

Yes, we have a plan and know that tomorrow wll be this or that, but we also know that each day is planned and it makes the time go by more slowly.

You may be thinking that being retired we spend most days together and planning a couple of mornings together seems strange. But we are two independent people and have different paths we follow. We are not joined at the hip.

Having two days where we plan on having coffee or breakfast together allows us to get together and plan for the weekend or catch up with what the other is doing.

Maybe that is the difference between retiring at 65 or 67 and retiring at 52. When you retire at 52, you are still 52 in the mind and are not really retired in your mind except for you are doing everything you always did but you are not going to work every day.

So we get up and go our spearate ways. It might be a bike ride first thing in the morning, or a jog in the neighborhood. We are going in different directions, but find if we set aside some time for mutual events in the morning, it allows us to be different but together. So we go to the Farmer’s Market. The next day we go in different directions. Then on the next day we do Starbucks. Then the next day we go our separate ways. Fridays, we catch up and have a sit down breakfast and plan the weekend.

It seems to work for us.

Can you be working and be independent? It never seemed to work for me. I could not see myself as having a life where I was not working from 9 to 5 and being free at the same time. But maybe you can. If so, GREAT!

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For Taking Early Retirement (TER), I hope you are enjoying a great retirement or are close to that day!

Jeremiah John

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Retire on $1200 A Month!


Retire on $1200 a month? Am I crazy or am I still living in 1957? This is a typical monthly retirement budget for retirees in Johnsville. (For readers outside of the US the amounts shown here are in US Dollars.)

Rent $1000
Electricity 70
Gas 20
Water & Garbage Collection 25
Auto Maintenance & Fuel 250
Phone land line 25
Cell phone 70
Cable television 50
Internet 50
Food* 500
Total 2060

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* Our food bill, for two, averages $97 a week and we go to Sam’s (You might go to Costco.) for bulk buying every two months and spend an average of $250 per trip. That comes out to $97 a week times 52 weeks = $5044 + $250 times 6 = $1500. $5044+$1500= $6544. If you divide that by 12 our monthly food bill would be around $545. We eat salmon twice a week so be sure we get our Omega 3s. Your food bill might be more or less.

The budget numbers are on the high side. My cell phone bill is about $25 for me and $25 for my wife. If you only have one cell, then your cost would be $25. This is a POP – Plain Old Phone. It’s not an I-Phone or the latest whiz bam phone. We can get calls and make calls. Our cable is also around $25. (No HBO, no On Demand, just basic cable television). But I doubled the price for Johnsville because your numbers might be different. Continue reading Retire on $1200 A Month!

Benefits of Taking Early Retirement


I’ll tell you one of the benefits I like about Taking Early Retirement and that is I can take a few weeks off and put my feet up and not do anything. I’m not sure how to spell it but I call it sit around and “veg”. That would be “veg” like a vegetable.

I will admit it. I’ve not written any articles, I’ve not made any blog posts, I haven’t answered any e-mails, I haven’t done anything since May 22nd.

I’ve been bad, there I said it. But you know, that is one of the benefits about being retired. I am not sure I can list off 100 things I like about retirement, but one of them has to be that I can sit on my duff (for you reading this from outside the States, that is a euphuism for sitting on my behind or sitting on my fanny) and just get up in the morning and go to bed at night and not do anything. I haven’t been able to sit on my duff for more than a month. I start feeling guilty that I should be doing “something”. Continue reading Benefits of Taking Early Retirement

Please Post Your Comments


Please Post Your Comments

Please Post Your Comments to my articles here at the blog.

Thank you for posting your comments to my articles. Now that I am retired, I don’t post articles every day, since I have another life besides this blog. OMG did I just say that?

I read all of the comments you leave. I don’t approve them all, since a lot of them are SPAM, but I do read them all.

Please post comments as you see fit. If it is of personal nature, I will read it but will most likely not post it, since it is personal from you to me.

I get asked a few more times than I like;

I am married and love my wife. We have three beautiful children Continue reading Please Post Your Comments

Retiring Early - Your Portfolio


I don’t know about you but my thought is this. If you are investing for the long term in the stock market and you are a “set it and forget it” type of investor, you are getting nowhere FAST!

Don’t get me wrong. I will go out on the limb right here. I’ll say that many of the investment talking heads will tell you that you can’t time the market and you need to buy for the long term and stay in the market. Maybe you have heard that and are doing what they say.

I am here to tell you that little old me, Jeremiah John says, “This is plain stupid!”

You can’t afford to buy a stock or a bond or a mutual fund and not pay attention to it at least once a month, at the minimum.

Can I prove it? Let me try. Let’s see how a set it and forget it account does, shall we?

Go to Yahoo Finance. Click on the chart on the right hand side of the page. When the chart opens look for the line above the chart that says, “Want more control over the chart? Try our Interactive Chart.” Click that link.

This will open up a new page, showing the chart for the day.

Maybe it would be better if I showed you in a video what I am talking about.

Continue reading Retiring Early – Your Portfolio