Frugalosophy, Motivation

Blessed to Pursue Financial Independence

Unfortunately, financial independence and early retirement is not for everyone.  Not everyone can do it. And it isn’t just sheer will-power holding some people back.  Many people have not been blessed with the lives we have been given. Our Head Start We are blessed beyond measure to live the life we do.  Growing up, Richard and I both had enough. …

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Frugalosophy, Start Here

How Much Money Do I Need to Retire?

You have now decided that you want to retire early.  Maybe to you, retirement means having more time to spend with your partner and children.  Or rather, you may want to go hiking through a national forest.  Either way, you want the freedom that being retired allows.  That’s great! Now you have to figure out how much money to save…

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Frugalosophy, Start Here

The 5 W’s of 4D Frugal

So, you made it to the blog.  You decided to come check out what this ‘early retirement’ thing is all about.  Well, where should you start? You should probably start by figuring out who the 4D Frugal family is. Next, you should read about what early retirement actually is. Then you can read about when to start planning for retirement.…

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Frugalosophy

Why Should I Care about Early Retirement?

It might sound like a lot of work to be aware of where your money is going and cutting back where you can, but it quickly becomes second nature.  You learn to be aware at all times and to analyze purchases instead of making impulse buys with every trip to the store.  In fact, it gets easier to just skip…

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Frugalosophy

Where Do I Even Start to Become Frugal?

So, being frugal sounds all well and good, but where do I start? That is a great question; I’m glad you asked! You cannot truly assess where you need to become frugal if you do not know where your money is going.  It is easy to sit back and watch the dollars disappear without any real knowledge of where they…

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Frugalosophy

When Should I Start Planning for Retirement?

Mrs. 4D Frugal, when should I start planning for retirement? NOW! What?!? But I’ve just started working in the real world. So? Start now! But I have 4 children! Then you should definitely start now! But I’m already 50+ years old! It’s never too late to start saving and being frugal! But I’m still in college. Now is the perfect…

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Frugalosophy

What is Early Retirement?

Everyone knows what retirement is.  It’s that wonderful time after you turn 65 or 66 and you quit your job to sip margaritas on the beach in Mexico.  Right? Well, not necessarily.  What if I told you that retirement can start at any age, even at the ripe old age of 35? To retire is defined as “to leave one’s…

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Frugalosophy

Who is the 4D Frugal Family?

Hello! We are a family of 4 (if you count the dog) who have decided that early retirement is for us.  I mean, who wouldn’t want to be retired and able to do anything they want?  We also plan to do this about the time we are 35 years old, just 6 years from now. I’m Jess.  I write the…

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Frugalosophy

Beginning our Road to Early Retirement

Where do you see yourself in 10 years?  Are you working the same job you are in now, just with higher pay (you did get a raise, for goodness sake)?  Have you gotten a promotion?  Are you running your division?  What would you think about running the company?  Are you loving every minute of your job? What if, in 10…

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