We were stuck. At 12,320 feet on a cloud obscured road, with visibility close to nothing, in the Ecuadorian Andes.

“I was born with one foot in the road,” is one way a 70 year old guy we recently met described himself.

When I was a broker, my wealthiest clients had one thing in common: They owned their stocks for years.

We have an old exercise bike. It's the kind that has a wheel pressuring the front-and-only-tire to create resistance.

First things first Track your spending and determine how much you are spending per year.

Our adventure in financial independence started over three decades ago. We were 38 years old and full of energy for whatever came our way. Over these last many years we have had more experiences and challenges than we can mention, but suffice it to say: We’re still here.

Over the years, I have heard this statement from people of all ages. I’m unclear as to whether it’s an excuse not to invest in equity markets or as a reason.

Do you own a home? Like what do you do when not traveling or if you want to stay someplace somewhere for a year or two? And we all are getting older what will you do when travel isn't viable.

Billy and I first visited Chapala, Mexico in October of 1993. We came for two months and stayed four years. It’s true that Chapala stole our hearts and as residents, we’re considered to be “Old Timers”. Often we are asked – “How has Chapala changed since you first began living here?”

Financial Independence, Retire, Early

Here’s why they moved most of their money to ETFs

Financial independence is that moment when you have enough invested assets to live the lifestyle you want for the rest of your life. You can choose to continue working or not, but you are no longer dependent on a paycheck to live your lifestyle, or to cover your expenses. Financial independence is freedom.