• Rebuilding,  The Sprint to FI

    Ten years after bankruptcy

    I was looking at some old files today and found my debt spreadsheet from 2010. It was a stark reminder of just how far we’ve come since our bankruptcy ten years ago, illustrated most clearly by my shocking realization in red font. This was the moment I knew we were in trouble: As embarrassing as this is to admit, at the time I had $35,000 in credit card debt alone. Including the mortgage, student loan, and my car loan brought the total to $433,000. Adding in Tony’s credit card debt and car loan, it totaled close to $500k, a crazy amount given my 5-figure income and Tony’s unemployment at the…

  • The Sprint to FI

    Making Incremental Changes

    In order to pursue FIRE, we have to make changes to our lives. There is always a pressure from within to make those changes all at once. However it is better to make incremental changes rather than big changes, as incremental changes tend to stay with you. Making a lot of changes at the same time is often a recipe for failure. Let Me Explain I used to have terrible eating habits; I would overeat, eat junk, eat too many sweets etc. I also had a thing for lemonade although I never did get into soda except as the occasional treat. Several times I tried to change this as it…