I Love My Credit Card and So Can You

In 2016, Chase announced its new credit card, Chase Sapphire Reserve. At the time, it offered a 100,000 bonus points (worth $1,500 in travel or $1,000 in cash back) after spending $4,000 in first 3 months. Get the Chase Sapphire Reserve now and earn 50,000 bonus points! Here were the benefits: $300 Annual Travel Credit…

6 Steps to Negotiating a Car

I do not advocate for buying new cars all the time when the goal is to retire by 40. The goal is to purchase 1 reliable car that you’ll pay off as soon as possible and use for at least 15 years. Ideally, you should have a sufficient down payment and be able to pay off the…

Purchase an Apartment and Retire by 40

Everyone seems to think you can’t buy a place and still retire by 40. I’m here to debunk that, because we’re working on that right now. I also live in the 2nd most (if not most) expensive part of the United States: San Francisco Bay Area where the median home price is $742,000. So if we can…

9 Tips to Reducing your Expenses

Happy New Year! We totaled up our spending and are proud of our first year of marriage! We spent a total of $47,673.40 in 2017 while living in the most expensive area in the United States, the San Francisco Bay Area. This included a 1 week trip to Paris in May, 8 weddings that we…

How Do I Save For 2 Retirements?

When do you think you’ll live till? 60? 70? 80? According to Fortune Magazine, most people underestimate how long the’ll live for. American men born today can expect to live 76.5 years, on average, and American women 81.3. But those numbers reflect life expectancy at birth and are dragged lower by people who die young.…

The Road to Retiring at 40

My husband and I got married a year ago. We both agreed saving for our future was important, but of course we both have our weaknesses. He loves tech and spends a lot on making his life easier (as in anything that doesn’t make him get up from the couch). He also enjoys buying cheap…