Sebastian is co-blogger at Money Saved is Money Earned. He emigrated from India in his 20's with $15 in his pocket. Despite facing adversity in his early life, Sebastian is an early retired Senior Financial Analyst for the City of Portland. He has owned his home free and clear for 15 years, has had income properties, put three kids through college, and travels to India regularly, all without a six figure income.
The year 2020 proved that no one is completely safe on many levels. Investors, in particular, felt the burn when the stock market fell faster than ever before. However, none of these things changed the fact that investing in dividend growth stocks remains a great idea for safeguarding your future. This is a long-term play …
The COVID-19 pandemic seemingly came out of the blue for most of us, and it’s clear that the country was not prepared for it. In fact, our response to this threat clearly indicated to me that dealing with infectious diseases was not only something not being thought about by our government, but something not prioritized. …
Our Health or Our Safety: American Priorities Based on Budget Read More »
Racism in America is once again at the forefront of our minds. Recent incidents of police brutality toward people of color, specifically black Americans, is bringing back into focus a problem that continually exists in the peripheral vision of society. It’s amazing to me. I’ve witnessed the turn of the century and 40 years of …
Last week our article gave several ideas for how to handle the economic stimulus check millions of Americans are set to receive. While an economic stimulus definitely provides relief for many of us, we are still dealing with the fear and anxiety that has come with the existence of the coronavirus. So, this week we …
Hello seniors! Well, it happened. You’ve reached 65, hopefully retired, and are set to enjoy the rest of your golden years. While nobody likes getting older, it is time to take advantage of one of the best parts about being a senior citizen. Senior discounts! After all, you’ve earned it through hard work and discipline. …
Hello readers. It’s been a year and a half since we started Money Saved is Money Earned, and in all that time I’ve been mostly behind the scenes. I’m sorry you haven’t heard as much from me. It’s often been hard for me to put my thoughts into words. I’ve also struggled with the idea …
Coming to America: Life as an Immigrant from India Read More »
Should you pay off my mortgage early? The short answer? Definitely! In fact, we STRONGLY suggest paying off your mortgage early. Why? Because it saves you a boatload of money!!! Plus, you will be out from under that hefty mortgage payment years early, which will allow you to put your money toward other things. We …
What is a reverse mortgage? Hardly a day passes without hearing an advertisement for a reverse mortgage, but while you may be familiar with the term, we doubt you’re familiar with what a reverse mortgage actually is. We weren’t. Because we knew very little about reverse mortgages we decided to do a little research. This …
What is a Reverse Mortgage and is it Right for You? Read More »
As an early retiree, I ought to know. Sebastian here, and today I want to burst the FIRE communities bubble a bit by telling you what it’s really like to be early retired. And it’s not all fun and games. True, being retired gives me a lot of flexibility to pursue more of the things …
Early Retirement Isn’t Always the Fairy Tale It’s Made Out to Be Read More »
You want to be fiscally responsible, don’t you? Of course you do! Everyone does whether they realize it or not. Fiscal responsibility is an economic idea that involves strategies for managing debt and building smart-spending habits. You have probably heard the term used in reference to government or public organizations. A fiscally responsible organization pledges …
Why a Budget is a Must for Fiscal Responsibility Read More »
