Financial Independence

Finance independence!!!! Lately I’ve been pondering on this, and have been soaking in many information shared by bloggers that have reached this state and are retired from the workforce. Just like how I stumbled upon the secret club of miles/points, I found out there is a whole set of people who have reached financial independence and early retirement, and are blogging about their experiences and ways to follow their road map. OMG where have I been? Most if not all of the successful young retirees all have one thing in common: They live well beneath their means and save aggresively. Too often we find our lifestyle inflating along with the increased income as we progress in our career. We chase trends, hypes, new gadgets, vacations (I’m guilty as charged), new cars, bigger houses, etc. But at the end of the day, are we happier by possessing those material things? Do they provide long-term satisfaction? The answer is probably no.

Even though I’m late in the game, it’s better to be late than never arrive. I’m super excited about how this goal will change is changing how I spend, save and invest (sigh…gotta cut back on vacations). Some of my family members think I’m crazy and weird for thinking about retirement for a 30 something single female. What do they know. I’ll be traveling the world and laughing at their 9-5 day job and 3, 4 weeks of vacation upon reaching my goal. =P For starter, I vow to save and invest 50% of my income (cringing), fully fund my 401K and IRA, and stop buying junks and random gadgets (goodbye home renovation). I have this crazy idea to reach my goal and retire 10 years from now! Maybe my ADD self will find something else to work on and gradually forget about this goal, but in the mean time, a girl can dream. 🙂

Here are some intriguing and super informative sites that I’ve been visiting:


Mr. Money Mustache


What are your life goals and aspirations?

Sydney 8-2015

Trip duration: 8/26/15 to 9/1/2015
Route: Dallas => Sydney; Sydney => Dallas Sydney => Honolulu => Phoenix => Dallas
Flying Method: 90K AA miles DFW->SYD (Bus); SYD->HNL->PHX->DFW (Eco). The majority of the miles were from the 75,000 sign-on bonus from the AA Executive master card.

It was almost a year ago today when I had this crazy idea to book a getaway hundreds and thousands of miles away.  After waiting anxiously for this trip to happen, my passport now happily scores an Australian stamp. Few days before leaving, I decided to stay an extra day in Sydney, hence all the extra connections on the return flight. It was well worth it as I got to see everything I had on the list plus a couple more.

What a beautiful city Sydney is! For a first time visitor, I was in awe by how friendly the people are, how diverse the city is, and how convenient it is to get around. Thanks to social media and the Internet which brings the world closer than ever, my visit to Sydney wasn’t so solo after all. The company made the trip more interesting and entertaining, and made me like Sydney that tiny bit more. Continue reading “Sydney 8-2015”