May 27, 2016



My oh my has it been a while since I typed some stuff into this site.  My world has changed DRASTICALLY!  I welcomed my first child (TB Jr.) into the world last spring and completed my MBA this month.  It was truly a wild 22-month journey, and this site has suffered for it, but the phoenix will rise again! 

How the Road Has Changed

During this time, I have fed an insatiable appetite to learn more about the FI/RE movement (financially independent, retired early) and am committed to bringing informative, relatable content to you fine folks month in and month out.  Sites like Mr. Money Mustache, Frugal Woods, Early Retirement Extreme, Go Curry Cracker, MadFientistLiving a FI (this dude's awesome), Root of Good, JLCollinsnh, and the fine REDDITers at r/financial independence have been a daily read for me and I am bursting at the seams to share some good stuff with anyone interested in learning how to get out of the rat race early.

New Goals

I've honed in on some new goals for my own family of 3's finances, outlined below:

Investable Assets: $750,000
Paid off Home: $300,000
Net Worth: $1,050,000
529 Plan: $90,000
Reach FIRE by 7/4/2022

I'll detail my current progress in future posts, but my net worth as of 5/27/2016 is 565,000 so we're well on our way!

Discoveries I've Made About FI/RE

When I founded this blog in 2013, I was a firm believer in boglehead principles.  While the excellent minds over there are still a daily read for me, I've shifted my lens a bit to the early retirement community and have been incredibly energized by posts such as Mr. Money Mustache's The Shockingly Simple Math Behind Early Retirement.  Posts such as these have prompted a fierce behavioral shift in my spending patterns, and I'm proud to say my family has exceeded a 60% savings rate in both 2015 and 2016.  This has added rocket fuel to our net worth growth, taking it from ~$400k to today's new high of $565,000 despite a flat stock market.  (Real estate has done well in Hawaii though).  My wife and I have an income of 90k/year, so the math tells me via excellent resources like the networthify calculator I can retire on Independence Day, 2022.

Ethos for Tortoise Banker

If I had to summarize my Ethos for this site, it would consist of the following pillars:

  • Aim to save at least 50% of your income
  • Invest in low-cost index funds
  • Denounce consumerism
  • Help others along the way
I also wrote a set of foundational principles which make for a great read to assure you're on the right track with your finances.

I'll speak to each of this in upcoming posts, highlighting how exactly I got to where I am, and takeaways I've discovered on my path to FI/RE that might help YOU get there as well. 

Thank you for your valuable time as I know all of you are exceptionally busy, and be sure to subscribe to future updates via the email box on the upper right section of the site.




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