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MAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. POST-FIRE SPREADSHEETFI LABORATORY
The FI Laboratory is a web application I developed that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on a THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. FINANCIAL INDEPENDENCE SPREADSHEET Firstly, thank you Mad Fientist for an excellent tool! I was considering creating something similaryou saved me quite some time. I have a suggestion for expediting the balance updates – a bit technical, but should be a breeze for spreadsheet enthusiasts. WHAT'S IN MY PORTFOLIO (AND HOW I MANAGE IT) What’s in My Portfolio (and How I Manage It) 116 Comments. A pandemic is affecting the entire world. Economies have shut down. Over 36 million people in the United States are newly unemployed. The price of oil went negative for a bit. We experienced the fastest 30% drop in stocks ever and then got to enjoy a 30%+ rebound immediately after. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example. MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. Password MORTGAGE PAYOFF EXPERIMENT The way American law works is that a bank must have a 10% reserve on it’s loans. (eg if a bank had 10k in reserves or someone’s savings account, it could loan out 90k) So the bank is not using 200k of it’s money to get a 4% return, its using ~22K (200k is 90%, 22k is the 10% reserve) of your money to get a 36% return (4% leveraged 9x).MAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. POST-FIRE SPREADSHEETFI LABORATORY
The FI Laboratory is a web application I developed that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on a THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. FINANCIAL INDEPENDENCE SPREADSHEET Firstly, thank you Mad Fientist for an excellent tool! I was considering creating something similaryou saved me quite some time. I have a suggestion for expediting the balance updates – a bit technical, but should be a breeze for spreadsheet enthusiasts. WHAT'S IN MY PORTFOLIO (AND HOW I MANAGE IT) What’s in My Portfolio (and How I Manage It) 116 Comments. A pandemic is affecting the entire world. Economies have shut down. Over 36 million people in the United States are newly unemployed. The price of oil went negative for a bit. We experienced the fastest 30% drop in stocks ever and then got to enjoy a 30%+ rebound immediately after. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example. MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. Password MORTGAGE PAYOFF EXPERIMENT The way American law works is that a bank must have a 10% reserve on it’s loans. (eg if a bank had 10k in reserves or someone’s savings account, it could loan out 90k) So the bank is not using 200k of it’s money to get a 4% return, its using ~22K (200k is 90%, 22k is the 10% reserve) of your money to get a 36% return (4% leveraged 9x). FINANCIAL INDEPENDENCE AND EARLY RETIREMENT BLOG The Mad Fientist's blog explores advanced strategies for achieving financial independence and early retirement as quickly and efficientlyas possible!
MAD FIENTIST ARCHIVES Camp Mustache – Q&A with Mr. Money Mustache, Afford Anything, & The Military Guide. The Military Guide – Angel Investing, Market Crashes, & 14 Years of Early Retirement. Mad Fientist – 1500 Days Podcast Takeover. Adventuring Along – From $0 to Retired in 5 Years. THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can SEARCH - MAD FIENTIST Use this page to search through the Mad Fientist blog posts, software tools, and podcast episodes to find exactly what you need!SECTION 199A
The Section 199A deduction can’t exceed 20% of your taxable income. Example 2: You earn $80,000 in sole proprietorship qualified business income but you also use the $24,000 married-filing-jointly standard deduction. In this case, your taxable income equals $56,000. You don’t get a Section 199A deduction equal to 20% of the $80,000 of WHY EVERYONE SHOULD HAVE THEIR OWN BUSINESS (AND HOW TO Retirement Accounts. When you have a business, you can contribute to tax-advantaged accounts like SEP IRAs, SIMPLE IRAs, or Solo 401 (k)s. Depending on how much profit your business earns, you could potentially sock away $55,000 into oneMEGA BACKDOOR ROTH
Mega Backdoor Roth. 296 Comments. The Mega Backdoor Roth is a strategy that could allow you to contribute an extra $37,000 to your Roth IRA every year! Before we dive into the details, some background info is required first. When contributing to a 401 (k), there are three different types of contributions that you can make: HOW TO RETIRE EARLY WITH KIDS (14 OF THEM!) A lot of things in the first article are still the same, but there have been some significant changes in the past seven years. A few of the major highlights: we now have 14 kids, we have eight grandkids, and I plan on reaching FIRE at the end of this year, instead of HIERARCHY OF FINANCIAL NEEDS (AND THE MEANING OF LIFE) The Hierarchy of Financial Needs is useful when talking about finances with other people because it allows you to be more understanding of different situations and more empathetic. For example, it’s easy for someone on the Accumulation level to say, “Payday loans are bad and you should never use them” but if you are at the Survival levelMAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. POST-FIRE SPREADSHEETFI LABORATORY
The FI Laboratory is a web application I developed that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on a THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. FINANCIAL INDEPENDENCE SPREADSHEET Firstly, thank you Mad Fientist for an excellent tool! I was considering creating something similaryou saved me quite some time. I have a suggestion for expediting the balance updates – a bit technical, but should be a breeze for spreadsheet enthusiasts. WHAT'S IN MY PORTFOLIO (AND HOW I MANAGE IT) What’s in My Portfolio (and How I Manage It) 116 Comments. A pandemic is affecting the entire world. Economies have shut down. Over 36 million people in the United States are newly unemployed. The price of oil went negative for a bit. We experienced the fastest 30% drop in stocks ever and then got to enjoy a 30%+ rebound immediately after. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example. MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. Password MORTGAGE PAYOFF EXPERIMENT The way American law works is that a bank must have a 10% reserve on it’s loans. (eg if a bank had 10k in reserves or someone’s savings account, it could loan out 90k) So the bank is not using 200k of it’s money to get a 4% return, its using ~22K (200k is 90%, 22k is the 10% reserve) of your money to get a 36% return (4% leveraged 9x).MAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. POST-FIRE SPREADSHEETFI LABORATORY
The FI Laboratory is a web application I developed that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on a THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. FINANCIAL INDEPENDENCE SPREADSHEET Firstly, thank you Mad Fientist for an excellent tool! I was considering creating something similaryou saved me quite some time. I have a suggestion for expediting the balance updates – a bit technical, but should be a breeze for spreadsheet enthusiasts. WHAT'S IN MY PORTFOLIO (AND HOW I MANAGE IT) What’s in My Portfolio (and How I Manage It) 116 Comments. A pandemic is affecting the entire world. Economies have shut down. Over 36 million people in the United States are newly unemployed. The price of oil went negative for a bit. We experienced the fastest 30% drop in stocks ever and then got to enjoy a 30%+ rebound immediately after. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example. MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. Password MORTGAGE PAYOFF EXPERIMENT The way American law works is that a bank must have a 10% reserve on it’s loans. (eg if a bank had 10k in reserves or someone’s savings account, it could loan out 90k) So the bank is not using 200k of it’s money to get a 4% return, its using ~22K (200k is 90%, 22k is the 10% reserve) of your money to get a 36% return (4% leveraged 9x). FINANCIAL INDEPENDENCE AND EARLY RETIREMENT BLOG The Mad Fientist's blog explores advanced strategies for achieving financial independence and early retirement as quickly and efficientlyas possible!
MAD FIENTIST ARCHIVES Camp Mustache – Q&A with Mr. Money Mustache, Afford Anything, & The Military Guide. The Military Guide – Angel Investing, Market Crashes, & 14 Years of Early Retirement. Mad Fientist – 1500 Days Podcast Takeover. Adventuring Along – From $0 to Retired in 5 Years. THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can SEARCH - MAD FIENTIST Use this page to search through the Mad Fientist blog posts, software tools, and podcast episodes to find exactly what you need!SECTION 199A
The Section 199A deduction can’t exceed 20% of your taxable income. Example 2: You earn $80,000 in sole proprietorship qualified business income but you also use the $24,000 married-filing-jointly standard deduction. In this case, your taxable income equals $56,000. You don’t get a Section 199A deduction equal to 20% of the $80,000 of WHY EVERYONE SHOULD HAVE THEIR OWN BUSINESS (AND HOW TO Retirement Accounts. When you have a business, you can contribute to tax-advantaged accounts like SEP IRAs, SIMPLE IRAs, or Solo 401 (k)s. Depending on how much profit your business earns, you could potentially sock away $55,000 into oneMEGA BACKDOOR ROTH
Mega Backdoor Roth. 296 Comments. The Mega Backdoor Roth is a strategy that could allow you to contribute an extra $37,000 to your Roth IRA every year! Before we dive into the details, some background info is required first. When contributing to a 401 (k), there are three different types of contributions that you can make: HOW TO RETIRE EARLY WITH KIDS (14 OF THEM!) A lot of things in the first article are still the same, but there have been some significant changes in the past seven years. A few of the major highlights: we now have 14 kids, we have eight grandkids, and I plan on reaching FIRE at the end of this year, instead of HIERARCHY OF FINANCIAL NEEDS (AND THE MEANING OF LIFE) The Hierarchy of Financial Needs is useful when talking about finances with other people because it allows you to be more understanding of different situations and more empathetic. For example, it’s easy for someone on the Accumulation level to say, “Payday loans are bad and you should never use them” but if you are at the Survival levelMAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. FINANCIAL INDEPENDENCE PODCAST Join me for interesting and informative discussions on money, investing, and all things related to early retirement and financial independence! #01 – Mr. Money Mustache – Early Retirement Made Easy. #02 – JL Collins NH – The Importance of F-You Money. #03 – FINANCIAL INDEPENDENCE AND EARLY RETIREMENT BLOG The Mad Fientist's blog explores advanced strategies for achieving financial independence and early retirement as quickly and efficientlyas possible!
HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example.SECTION 199A
The Section 199A deduction can’t exceed 20% of your taxable income. Example 2: You earn $80,000 in sole proprietorship qualified business income but you also use the $24,000 married-filing-jointly standard deduction. In this case, your taxable income equals $56,000. You don’t get a Section 199A deduction equal to 20% of the $80,000 ofRAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of one MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. PasswordMAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. FINANCIAL INDEPENDENCE PODCAST Join me for interesting and informative discussions on money, investing, and all things related to early retirement and financial independence! #01 – Mr. Money Mustache – Early Retirement Made Easy. #02 – JL Collins NH – The Importance of F-You Money. #03 – FINANCIAL INDEPENDENCE AND EARLY RETIREMENT BLOG The Mad Fientist's blog explores advanced strategies for achieving financial independence and early retirement as quickly and efficientlyas possible!
HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example.SECTION 199A
The Section 199A deduction can’t exceed 20% of your taxable income. Example 2: You earn $80,000 in sole proprietorship qualified business income but you also use the $24,000 married-filing-jointly standard deduction. In this case, your taxable income equals $56,000. You don’t get a Section 199A deduction equal to 20% of the $80,000 ofRAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of one MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. Password ABOUT THE MAD FIENTIST You can also follow me on Twitter/Facebook and subscribe via RSS.. Contact. If you are a journalist and would like to speak to me immediately, please call or text (720) 924-2624. For any other interesting opportunities, please send an email to opportunities madfientist.com.. Thanks for stopping by and I look forward to helping you make your journey to financial independence as quick and POST-FIRE SPREADSHEET The first tab is where you enter the majority of your data. Note: Only enter data into fields shaded green. The fields with a white background contain formulas and are updated automatically. All of the information you need to enter can be found on a single Personal Capital screen. This makes updating your numbers every month veryquick and easy.
FI LABORATORY
The FI Laboratory is a web application I developed that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on aRAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of one SHORTEST PATH TO FINANCIAL INDEPENDENCE Conclusion. In conclusion, here are the simple steps to achieve financial independence as quickly as possible: Record your current essential expenses. Envision your Perfect Life. Use your current expenses to help predict the future essential expenses in your perfect life. Determine what assets are needed to provide the necessary cashflow to
WHY EVERYONE SHOULD HAVE THEIR OWN BUSINESS (AND HOW TO Retirement Accounts. When you have a business, you can contribute to tax-advantaged accounts like SEP IRAs, SIMPLE IRAs, or Solo 401 (k)s. Depending on how much profit your business earns, you could potentially sock away $55,000 into oneMEGA BACKDOOR ROTH
Mega Backdoor Roth. 296 Comments. The Mega Backdoor Roth is a strategy that could allow you to contribute an extra $37,000 to your Roth IRA every year! Before we dive into the details, some background info is required first. When contributing to a 401 (k), there are three different types of contributions that you can make: HIERARCHY OF FINANCIAL NEEDS (AND THE MEANING OF LIFE) The Hierarchy of Financial Needs is useful when talking about finances with other people because it allows you to be more understanding of different situations and more empathetic. For example, it’s easy for someone on the Accumulation level to say, “Payday loans are bad and you should never use them” but if you are at the Survival level MORTGAGE PAYOFF EXPERIMENT The way American law works is that a bank must have a 10% reserve on it’s loans. (eg if a bank had 10k in reserves or someone’s savings account, it could loan out 90k) So the bank is not using 200k of it’s money to get a 4% return, its using ~22K (200k is 90%, 22k is the 10% reserve) of your money to get a 36% return (4% leveraged 9x).MICHAEL KITCES
One of the internet’s most-respected retirement researchers and financial planners, Michael Kitces, joins me for an episode of the Financial Independence Podcast! You may remember that my Safe Withdrawal Rate post drew heavily from the incredible research Kitces has done on the topic so it was great to talk to him directly to dive even deeper into important topics related to early retirement.MAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. FINANCIAL INDEPENDENCE PODCAST Join me for interesting and informative discussions on money, investing, and all things related to early retirement and financial independence! #01 – Mr. Money Mustache – Early Retirement Made Easy. #02 – JL Collins NH – The Importance of F-You Money. #03 – FINANCIAL INDEPENDENCE AND EARLY RETIREMENT BLOG The Mad Fientist's blog explores advanced strategies for achieving financial independence and early retirement as quickly and efficientlyas possible!
HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example.SECTION 199A
The Section 199A deduction can’t exceed 20% of your taxable income. Example 2: You earn $80,000 in sole proprietorship qualified business income but you also use the $24,000 married-filing-jointly standard deduction. In this case, your taxable income equals $56,000. You don’t get a Section 199A deduction equal to 20% of the $80,000 ofRAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of one MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. PasswordMAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! More Episodes →. FINANCIAL INDEPENDENCE PODCAST Join me for interesting and informative discussions on money, investing, and all things related to early retirement and financial independence! #01 – Mr. Money Mustache – Early Retirement Made Easy. #02 – JL Collins NH – The Importance of F-You Money. #03 – FINANCIAL INDEPENDENCE AND EARLY RETIREMENT BLOG The Mad Fientist's blog explores advanced strategies for achieving financial independence and early retirement as quickly and efficientlyas possible!
HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE The Perfect Life After Financial Independence. To me, the ultimate reward for achieving financial independence has nothing to do with money; it is having the time to be able to do exactly what I want to do with my life. When I first started on my journey to FI, I didn’t really consider what my life would look like when I reached my goal. SAFE WITHDRAWAL RATE FOR EARLY RETIREES Conclusions. There is a lot of information in this post so to summarize: The 4% rule is actually very safe for a 30-year retirement. A withdrawal rate of 3.5% can be considered the floor, no matter how long the retirement time horizon. The sequence of real returns matters more than average returns or nominal returns. WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) An important point: You need to form the LLC before the new year starts and then file the S corporation election paperwork after setting up your LLC but before March 15th of the year for which you want to use the S corporation gambit. Example: You might form an LLC today—this very morning or afternoon, for example.SECTION 199A
The Section 199A deduction can’t exceed 20% of your taxable income. Example 2: You earn $80,000 in sole proprietorship qualified business income but you also use the $24,000 married-filing-jointly standard deduction. In this case, your taxable income equals $56,000. You don’t get a Section 199A deduction equal to 20% of the $80,000 ofRAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of one MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. Password ABOUT THE MAD FIENTIST You can also follow me on Twitter/Facebook and subscribe via RSS.. Contact. If you are a journalist and would like to speak to me immediately, please call or text (720) 924-2624. For any other interesting opportunities, please send an email to opportunities madfientist.com.. Thanks for stopping by and I look forward to helping you make your journey to financial independence as quick and POST-FIRE SPREADSHEET The first tab is where you enter the majority of your data. Note: Only enter data into fields shaded green. The fields with a white background contain formulas and are updated automatically. All of the information you need to enter can be found on a single Personal Capital screen. This makes updating your numbers every month veryquick and easy.
FI LABORATORY
The FI Laboratory is a web application I developed that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on aRAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of one SHORTEST PATH TO FINANCIAL INDEPENDENCE Conclusion. In conclusion, here are the simple steps to achieve financial independence as quickly as possible: Record your current essential expenses. Envision your Perfect Life. Use your current expenses to help predict the future essential expenses in your perfect life. Determine what assets are needed to provide the necessary cashflow to
WHY EVERYONE SHOULD HAVE THEIR OWN BUSINESS (AND HOW TO Retirement Accounts. When you have a business, you can contribute to tax-advantaged accounts like SEP IRAs, SIMPLE IRAs, or Solo 401 (k)s. Depending on how much profit your business earns, you could potentially sock away $55,000 into oneMEGA BACKDOOR ROTH
Mega Backdoor Roth. 296 Comments. The Mega Backdoor Roth is a strategy that could allow you to contribute an extra $37,000 to your Roth IRA every year! Before we dive into the details, some background info is required first. When contributing to a 401 (k), there are three different types of contributions that you can make: HIERARCHY OF FINANCIAL NEEDS (AND THE MEANING OF LIFE) The Hierarchy of Financial Needs is useful when talking about finances with other people because it allows you to be more understanding of different situations and more empathetic. For example, it’s easy for someone on the Accumulation level to say, “Payday loans are bad and you should never use them” but if you are at the Survival level MORTGAGE PAYOFF EXPERIMENT The way American law works is that a bank must have a 10% reserve on it’s loans. (eg if a bank had 10k in reserves or someone’s savings account, it could loan out 90k) So the bank is not using 200k of it’s money to get a 4% return, its using ~22K (200k is 90%, 22k is the 10% reserve) of your money to get a 36% return (4% leveraged 9x).MICHAEL KITCES
One of the internet’s most-respected retirement researchers and financial planners, Michael Kitces, joins me for an episode of the Financial Independence Podcast! You may remember that my Safe Withdrawal Rate post drew heavily from the incredible research Kitces has done on the topic so it was great to talk to him directly to dive even deeper into important topics related to early retirement.MAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early RetirementExtreme!
FINANCIAL INDEPENDENCE PODCAST #01 – Mr. Money Mustache – Early Retirement Made Easy #02 – JL Collins NH – The Importance of F-You Money #03 – Street Smart Finance – The Real American Dream #04 – Afford Anything – Dive Into Real Estate Investing #05 – Lacking Ambition – Three Months After FI #06 – Retire Early Lifestyle – Perpetual Travel #07 – Radical Personal Finance – Part One SAFE WITHDRAWAL RATE FOR EARLY RETIREES As you can see, there is actually a strong correlation between the two so you can use the Shiller P/E 10 (a.k.a. Shiller CAPE) to predict safe withdrawal rates!. This exciting realization prompted me to use my programming skills to create a new Safe Withdrawal Rate indicator for the FI Laboratory.Now, you can log in at any time and see an up-to-date safe withdrawal rate estimate based on the POST-FIRE SPREADSHEET HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE Hey DGI, thanks for stopping by. You’re absolutely right. I’ve actually been to Austria, Bulgaria, and Romania and Austria was definitely the most expensive out of the three so I don’t know why I didn’t question the claims of the Mint article when I read it (the article was written in 2009 but that was still after Bulgaria and Romania joined the EU so I’m not sure how they came to WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) It’s the Mad Fientist again. Thanks for the post, Steve! There’s another benefit of having an S Corp that’s worth mentioning If your business makes a lot of money (i.e. more than $157,500 for a single person or $315,000 for a married couple filing jointly), having an S Corp could help you qualify for the tax break of the century when you may not have otherwise.RAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of oneSECTION 199A
The Section 199A tax deduction surely counts as the best small business and individual investor tax break of the 21st century. Using Section 199A, business owners and real estate investors may get to simply “not” pay income taxes on the last 20% of the income theyearn!
MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. PasswordMAD FIENTIST
Early Retirement Extreme – A Systems Approach to Lifestyle Design. I finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early RetirementExtreme!
FINANCIAL INDEPENDENCE PODCAST #01 – Mr. Money Mustache – Early Retirement Made Easy #02 – JL Collins NH – The Importance of F-You Money #03 – Street Smart Finance – The Real American Dream #04 – Afford Anything – Dive Into Real Estate Investing #05 – Lacking Ambition – Three Months After FI #06 – Retire Early Lifestyle – Perpetual Travel #07 – Radical Personal Finance – Part One SAFE WITHDRAWAL RATE FOR EARLY RETIREES As you can see, there is actually a strong correlation between the two so you can use the Shiller P/E 10 (a.k.a. Shiller CAPE) to predict safe withdrawal rates!. This exciting realization prompted me to use my programming skills to create a new Safe Withdrawal Rate indicator for the FI Laboratory.Now, you can log in at any time and see an up-to-date safe withdrawal rate estimate based on the POST-FIRE SPREADSHEET HOW TO ACCESS RETIREMENT FUNDS EARLY I’ve written a lot about the benefits of tax-advantaged accounts and why they are especially beneficial for people planning on retiring early.. I’ve even created a real-time experiment to prove that utilizing tax-advantaged accounts is the best way speed up your journey to financial independence.. What I haven’t done yet though is write a comprehensive post about all the ways you can THE PERFECT LIFE AFTER FINANCIAL INDEPENDENCE Hey DGI, thanks for stopping by. You’re absolutely right. I’ve actually been to Austria, Bulgaria, and Romania and Austria was definitely the most expensive out of the three so I don’t know why I didn’t question the claims of the Mint article when I read it (the article was written in 2009 but that was still after Bulgaria and Romania joined the EU so I’m not sure how they came to WHY YOU SHOULD FORM AN S CORPORATION (AND WHEN) It’s the Mad Fientist again. Thanks for the post, Steve! There’s another benefit of having an S Corp that’s worth mentioning If your business makes a lot of money (i.e. more than $157,500 for a single person or $315,000 for a married couple filing jointly), having an S Corp could help you qualify for the tax break of the century when you may not have otherwise.RAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of oneSECTION 199A
The Section 199A tax deduction surely counts as the best small business and individual investor tax break of the 21st century. Using Section 199A, business owners and real estate investors may get to simply “not” pay income taxes on the last 20% of the income theyearn!
MAD FIENTIST'S FI LABORATORY Login to the FI Laboratory. Email. Password ABOUT THE MAD FIENTIST You can also follow me on Twitter/Facebook and subscribe via RSS.. Contact. If you are a journalist and would like to speak to me immediately, please call or text (720) 924-2624. For any other interesting opportunities, please send an email to opportunities madfientist.com.. Thanks for stopping by and I look forward to helping you make your journey to financial independence as quick and POST-FIRE SPREADSHEET Why a New Spreadsheet? You may be wondering why I’ve created a new spreadsheet when I’ve already shared the FI Spreadsheet with you.. Well, I personally wanted to spend less time updating my numbers every month and I didn’t need all the detail that the FI Spreadsheet provides anymore, since I’ve already achieved financial independence, so I created this new spreadsheet.FI LABORATORY
If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on a wall chart. While tracking your progress is a great idea, I can’t imagine anyone would want to sit down with a ruler and a pencil every month so I decided to create a nice web application with sexy graphs that you can use instead. WHY EVERYONE SHOULD HAVE THEIR OWN BUSINESS (AND HOW TO Tax Benefits of Owning a Business. Owning a business also provides numerous tax benefits so let’s dive into some of those Business Losses. My first year running the Mad Fientist, I made no money but I spent money on business things like website hosting so my business made a loss for the year.. I was able to use that business loss to lower the amount of taxes I paid on my normal W-2 salary!RAMIT SETHI
With a click baity title like “I Will Teach You To Be Rich” I have to admit that I first wrote off Ramit. However, after reading some of his stuff and listening to a few podcasts I’ve come to appreciate that Ramit not only is sharp and has some good stuff to share but he is also great at some things that I have historically sucked at or shied away from like marketing and promotion of oneMEGA BACKDOOR ROTH
The Mega Backdoor Roth is a strategy that could allow you to contribute an extra $37,000 to your Roth IRA every year! Before we dive into the details, some background info is required first HIERARCHY OF FINANCIAL NEEDS (AND THE MEANING OF LIFE) There's a step above FI on the Hierarchy of Financial Needs and the sooner you start thinking about that next level, the more enjoyable and rewarding your journey will be! SHORTEST PATH TO FINANCIAL INDEPENDENCE Hi Greg, thanks for the link. That was a long but interesting article and he raises some good points. I agree that no single safe withdrawal figure can apply to every situation but since it is necessary to make assumptions when planning, I’m happy using the popular 4% rule. MORTGAGE PAYOFF EXPERIMENT The way American law works is that a bank must have a 10% reserve on it’s loans. (eg if a bank had 10k in reserves or someone’s savings account, it could loan out 90k) So the bank is not using 200k of it’s money to get a 4% return, its using ~22K (200k is 90%, 22k is the 10% reserve) of your money to get a 36% return (4% leveraged 9x).MICHAEL KITCES
One of the internet’s most-respected retirement researchers and financial planners, Michael Kitces, joins me for an episode of the Financial Independence Podcast! You may remember that my Safe Withdrawal Rate post drew heavily from the incredible research Kitces has done on the topic so it was great to talk to him directly to dive even deeper into important topics related to early retirement.MAIN MENU
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