Rentier

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The $100M Question

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Background This thought experiment emerged during dinner table conversations with my wife about retirement planning. We discussed everything from where to live and how to invest to how often to visit family. Our conversation meandered in every possible direction until we finally reset with a simple question: “What if, right at this moment, we had […]
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The Second Million

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My Journey to Becoming a Multi-Millionaire Reaching my first million in 2018 was a milestone that changed everything. What happened next surprised even me: in just three years, I doubled that initial fortune. The journey from disciplined saver to aggressive investor taught me lessons that transformed not just my wealth, but my entire perspective on […]
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Personal Goals For 2020

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New Year, Same You I set my goals every year at the end of November and do a year end review at new year. I usually keep them private, but this year I decided to share on my blog. All goals fall under one of the top 3 focus areas of life: money, health, and […]
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Beyond The First Million

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Beyond The First Million Reaching the $1 million milestone has fundamentally transformed my investment approach and opened new opportunities in alternative asset classes. This page outlines my strategic shift toward litigation finance and the evolution of my portfolio strategy as I pursue higher returns and accelerated wealth accumulation. Portfolio Strategy Evolution My asset allocation strategy […]
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The First Million

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My Journey to Becoming a Millionaire This is the story of my 18-year journey from arriving in the United States to achieving my first million in investable assets. It’s a tale of strategic job changes, calculated lifestyle decisions, and the power of compound growth through disciplined saving and investing. The Foundation Years (2004-2010) I graduated […]
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Tax Optimization Strategy

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The 2 Most Common Ways to Reduce Your Taxes Tax Deductions (<$250,000) Income Distribution (>$250,000) Tax Deductions Reducing your taxable income by deducting variety of personal & business expenses is one of the most common ways to lower your taxes when your gross income is under $250,000. It becomes less effective as your income increases […]
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Retirement Plan 2018

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Retirement Changes Under the New Tax Law We reassessed our target numbers based on the new tax bill, a new investment strategy, and current spending figure. The risk-free interest rate is the return investors are willing to accept for an investment with no risk. I assume the risk-free rate of return is 12%. Housing Expense Townhouse for […]
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Personal Capital Sucks

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Mint vs. Personal Capital Both Mint and Personal Capital are personal finance management services that allow you to sync and aggregate all of your financial accounts in one platform. Personal Capital is very popular among personal finance bloggers because of the terrific affiliate marketing program. Switched from Mint to Personal Capital I have tested Mint […]
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Retirement Plan 2016

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Backstory Today is my birthday, and I’m approaching my 40s. Recently, I’ve been experiencing high levels of stress at work that have been taking a toll on my physical and emotional health. This seems like an ideal time to get my retirement finances in order. Early retirement has become an obsession, and I’m counting down […]
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