All good journeys start with the first step

I wish I could tell you that Financial Independence and Retiring Early is going to be easy or that I am retired at 30 and here is how you can do it. So here it is the secret just follow these steps:

1.    Preheat oven to 350 degrees F Spray a 8"x5" loaf pan

2.    In a large bowl cream 3 ripe bananas. Stir in 1/3 cup melted butter

3.    Add 1/2 cup sugar, 1 egg, 1 tsp baking soda, 1 tsp vanilla, pinch of salt, 1.5 cups wheat all-purpose flower and stir until all mixed together.

4.    Stir while adding 1/2 cup chocolate chip/chunks  a little at a time

5.    Bake for 50 to 60 min, do the toothpick check to tell if done

6.    Let cool on rack then store in refrigerator. 

Well if you follow those steps you won’t find the secret just a damn good receipt for banana bread.

I'm here to talk about my journey one step at a time.  I recently discover the world of Financial Independence through podcasts (ChooseFI) and since been devouring all the information I can.

Here is the sort of it; my wife and I are in our mid 30s with two kids entering kindergarten today.  Before you ask yes they are twins and no they are not identical one boy and one girl. My wife and I both work and have worked since they were born.  The thing is we both make good money, but with that comes high spending six figure spending.  Lucky for us I grew up making good decisions with my money before marriage and my wife was just building her career so no debt.  We have a tough hill to climb trying to get a grasp on our finances and find ways to hack our spending. We are going to try to cut our spending in half over the next couple of years.  We don't live a lavish lifestyle as the high spending might suggest, but something is not right.

Today is day ONE on our path for financial Independence (FI) then on to Retiring Early (RE). I am an avid reader of financial books, personal finance blogs, and podcasts.  I will pass on what I know and defer to those who are smarter than me.  This is our journey and it will; yes it will end in FIRE.

Enjoy and have fun.