There is no doubt about it, I am my mother’s son.   What would you expect? My father died when I was eight years old.  During my formative years, I was brought up solely by my mother.  I believe this is a unique lens in which to see both life and financial independence.  As the years pass, I feel lucky.  The importance of female role models cannot be ...

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This weekend was bliss.  I went from Friday night to Monday morning without a single phone call.  No nursing homes were needing to send a patient to the emergency room: no new fevers or unexpected falls.  I can honestly say that it is the first time in more than a decade that I have gone a whole weekend without doing some work.  The thing about my half retirement is ...

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It must have been about a decade ago.  It was another snowy day like today.  I awoke at the break of dawn, and rushed out the door to the hospital that was several miles away.  Leaving so early in the morning, the expressways hadn’t even been plowed yet.  I did this often.  Jumped into the car during inclement weather.  While most were waiting out the storm, I was cruising to ...

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I like to think of myself as a relatively optimistic person.  If you have ever met me in person, you might think that I have a pretty sunny disposition on life.  And for the most part, I do.  Since I write every day, however, there are times when my posts may start going negative.  Not for an extended period, but long enough for my readers to wonder if am just a touch ...

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Retirement, or half retirement in my case, is a major life change.  Transitioning from the accumulation phase, to the maintenance stage, and eventually to the deaccumulation phase can be daunting.  These transitions are accompanied by a series of losses.  We all understand the loss of income.  But there are many other changes we don’t often talk about.  There is loss of social interaction.  Loss of purpose.  And ...

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She had everything she needed.  Her husband had died long ago.  But the fortune he left her would suffice.  She had given up on mansions long ago.  There were no children, so who needed the space?  She was happy as can be in her little condo in the city.  The building had the most lavish pool, exercise room, and views.  She absolutely adored the doormen.  They would let ...

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I like work.  I really do.  Although I have been talking up my half retirement, there is a reason I am not going the full monty.  I derive pleasure from being a physician.  The ability to reach out and help other human beings, and get paid for it is amazing.  Not only the work itself, but the human interaction is also quite gratifying.  I look forward ...

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I have two Achilles' heels.  Two mental health issues that continually challenge me no matter how introspective and self-aware I become.  One is food.  I have talked before about how food was my money.  As annoying as that can be, I feel like I have a good hold on that one.  With the right intentions and self-control, I no longer have to wrestle with this demon as frequently. ...

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I have talked in the past about how I try to tackle the philosophy of financial independence.  Part of the reason is that there are so many other amazing voices that manage the mechanical side.  The other part is my profound belief that the grand majority of Americans can either cleave a path to financial independence or at least substantially improve their economic situation.  Yet, the majority don’t. ...

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I was sitting across from a new acquaintance at the CampFI Midwest and he was telling me about his next budding venture.  He had a brilliant business plan.  An idea which no one had capitalized on before.  He was in the middle of gathering investors and beginning the long process of due diligence.  I probed further.  I am always wary of what I call the financial independence ...

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