Tracy
@whoistracy.bsky.social
Financial Independence by 2020. Retire early ~April 2026.
Follow me as I navigate early retirement by age 45.
Portfolio $2m USD May 2025
#vegan; love #travel, reading, design, & #cooking
Follow me as I navigate early retirement by age 45.
Portfolio $2m USD May 2025
#vegan; love #travel, reading, design, & #cooking
Looks like my #retirement date may be moving way up to the end of August of this year!!
Last fall, I spoke w/my boss about taking a long vacation in late August/early September '25. I told him it would be around 3 weeks long, w/a group, and I wouldn't know exact dates until the tour group filled.
Last fall, I spoke w/my boss about taking a long vacation in late August/early September '25. I told him it would be around 3 weeks long, w/a group, and I wouldn't know exact dates until the tour group filled.
June 12, 2025 at 1:22 PM
Looks like my #retirement date may be moving way up to the end of August of this year!!
Last fall, I spoke w/my boss about taking a long vacation in late August/early September '25. I told him it would be around 3 weeks long, w/a group, and I wouldn't know exact dates until the tour group filled.
Last fall, I spoke w/my boss about taking a long vacation in late August/early September '25. I told him it would be around 3 weeks long, w/a group, and I wouldn't know exact dates until the tour group filled.
Reposted by Tracy
I give my car at least 2 in-depth detailing sessions a year.
Visit a local car wash
Hand dry outside
Vacuum inside
Wipe down all inside surfaces
Treat faux-leather seats
Wax the outside
My car is 7+ years old but still looks & drives like brand new!
#financialindependence #retireearly
Visit a local car wash
Hand dry outside
Vacuum inside
Wipe down all inside surfaces
Treat faux-leather seats
Wax the outside
My car is 7+ years old but still looks & drives like brand new!
#financialindependence #retireearly
June 9, 2025 at 12:34 PM
I give my car at least 2 in-depth detailing sessions a year.
Visit a local car wash
Hand dry outside
Vacuum inside
Wipe down all inside surfaces
Treat faux-leather seats
Wax the outside
My car is 7+ years old but still looks & drives like brand new!
#financialindependence #retireearly
Visit a local car wash
Hand dry outside
Vacuum inside
Wipe down all inside surfaces
Treat faux-leather seats
Wax the outside
My car is 7+ years old but still looks & drives like brand new!
#financialindependence #retireearly
TGIF! What's 1 thing you did this week to help you save $?
I researched new mobile virtual network services- been w/Cricket for years. Ready to take the plunge to an even lower cost service. Savings will be ~$200 the first year!!
#fire #financialindependence #retireearly
I researched new mobile virtual network services- been w/Cricket for years. Ready to take the plunge to an even lower cost service. Savings will be ~$200 the first year!!
#fire #financialindependence #retireearly
May 30, 2025 at 12:40 PM
TGIF! What's 1 thing you did this week to help you save $?
I researched new mobile virtual network services- been w/Cricket for years. Ready to take the plunge to an even lower cost service. Savings will be ~$200 the first year!!
#fire #financialindependence #retireearly
I researched new mobile virtual network services- been w/Cricket for years. Ready to take the plunge to an even lower cost service. Savings will be ~$200 the first year!!
#fire #financialindependence #retireearly
Healthcare after #earlyretirement is my biggest concern. What's yours?
Trying to get added to my partner's insurance as a domestic partner. We've been to the bank once, notary twice, and made a few dozen phone calls. Paperwork submitted a week ago. Fingers crossed!
#fire #financialindependence
Trying to get added to my partner's insurance as a domestic partner. We've been to the bank once, notary twice, and made a few dozen phone calls. Paperwork submitted a week ago. Fingers crossed!
#fire #financialindependence
May 28, 2025 at 12:51 PM
Healthcare after #earlyretirement is my biggest concern. What's yours?
Trying to get added to my partner's insurance as a domestic partner. We've been to the bank once, notary twice, and made a few dozen phone calls. Paperwork submitted a week ago. Fingers crossed!
#fire #financialindependence
Trying to get added to my partner's insurance as a domestic partner. We've been to the bank once, notary twice, and made a few dozen phone calls. Paperwork submitted a week ago. Fingers crossed!
#fire #financialindependence
Only 232 days left until my tentative retirement date!
Really enjoying using up my vacation and sick days these past few months, knowing I can't take them with me or get paid for any that remain.
#fire #financialindependence #retireearly
Really enjoying using up my vacation and sick days these past few months, knowing I can't take them with me or get paid for any that remain.
#fire #financialindependence #retireearly
May 13, 2025 at 12:52 PM
Only 232 days left until my tentative retirement date!
Really enjoying using up my vacation and sick days these past few months, knowing I can't take them with me or get paid for any that remain.
#fire #financialindependence #retireearly
Really enjoying using up my vacation and sick days these past few months, knowing I can't take them with me or get paid for any that remain.
#fire #financialindependence #retireearly
Reposted by Tracy
Essay: To rekindle pride in American values, we should not only expand mandatory Holocaust education beyond the current 29 states, but spotlight America’s role in post-liberation rebuilding of Europe, writes Karen Kirsten.
80 years ago, the U.S. Army liberated Dachau. We must rekindle a sense of pride in the ideals America once championed
Karen Kirsten is a Holocaust educator who shares her family’s story in schools; her grandfather survived his imprisonment at Dachau concentration camp. I believe we must rekindle pride in America’s r...
www.wbur.org
April 29, 2025 at 12:21 PM
Essay: To rekindle pride in American values, we should not only expand mandatory Holocaust education beyond the current 29 states, but spotlight America’s role in post-liberation rebuilding of Europe, writes Karen Kirsten.
Stressed with the stock market slide these past several weeks? Thinking about delaying your retirement?
Ride it out, this will pass in time. I only check my portfolio once a week (in good times OR bad). Now is also a great time to invest MORE, if you can.
#retireearly #financialindependence
Ride it out, this will pass in time. I only check my portfolio once a week (in good times OR bad). Now is also a great time to invest MORE, if you can.
#retireearly #financialindependence
April 9, 2025 at 12:40 PM
Stressed with the stock market slide these past several weeks? Thinking about delaying your retirement?
Ride it out, this will pass in time. I only check my portfolio once a week (in good times OR bad). Now is also a great time to invest MORE, if you can.
#retireearly #financialindependence
Ride it out, this will pass in time. I only check my portfolio once a week (in good times OR bad). Now is also a great time to invest MORE, if you can.
#retireearly #financialindependence
Remember to update your beneficiaries on all of your accounts!
It's the easiest way to avoid probate and save your family time & money should you pass away. You want them to have access to your $ without having to wait on courts, lawyers, or the dreaded medallion signature.
It's the easiest way to avoid probate and save your family time & money should you pass away. You want them to have access to your $ without having to wait on courts, lawyers, or the dreaded medallion signature.
March 25, 2025 at 12:56 PM
Remember to update your beneficiaries on all of your accounts!
It's the easiest way to avoid probate and save your family time & money should you pass away. You want them to have access to your $ without having to wait on courts, lawyers, or the dreaded medallion signature.
It's the easiest way to avoid probate and save your family time & money should you pass away. You want them to have access to your $ without having to wait on courts, lawyers, or the dreaded medallion signature.
I was lucky to visit many times while living in Boston in my early 20s. So happy they will remain open. Support your local non-profits any way you can.
" People were crying. It was surreal," said one visitor who was at the JFK Library Tuesday. "We were with a gentleman who had just come in from Canada who said, 'I don't understand what's happening in your country.' "
JFK library reopens to bewildered visitors after sudden federal layoffs
The John F. Kennedy Presidential Library and Museum reopened Wednesday morning after shutting down suddenly Tuesday afternoon as a result of federal layoffs. " People were crying. It was surreal," sai...
www.wbur.org
February 20, 2025 at 1:38 PM
I was lucky to visit many times while living in Boston in my early 20s. So happy they will remain open. Support your local non-profits any way you can.
Reposted by Tracy
Many people buy SUVs or pickup trucks for the safety of them and their passengers.
But big vehicles put drivers in smaller cars, pedestrians and cyclists at risk.
But big vehicles put drivers in smaller cars, pedestrians and cyclists at risk.
Why large cars are a public health hazard, according to one expert
Four in five cars sold in the United States last year were either SUVs or pickup trucks. That's a far cry from even the 1990s when that number was closer to 25% of all sales.
www.wbur.org
February 12, 2025 at 8:57 PM
Many people buy SUVs or pickup trucks for the safety of them and their passengers.
But big vehicles put drivers in smaller cars, pedestrians and cyclists at risk.
But big vehicles put drivers in smaller cars, pedestrians and cyclists at risk.
Baby, are you down, down, down, down, down? 🎵
Markets are still down which means I've almost maxed out my Roth IRA for 2025. A few unexpected home expenses came up, otherwise it would be maxed already.
Now is always a great time to invest for later!
#retireearly #financialindependence #fire
Markets are still down which means I've almost maxed out my Roth IRA for 2025. A few unexpected home expenses came up, otherwise it would be maxed already.
Now is always a great time to invest for later!
#retireearly #financialindependence #fire
February 12, 2025 at 2:38 PM
Baby, are you down, down, down, down, down? 🎵
Markets are still down which means I've almost maxed out my Roth IRA for 2025. A few unexpected home expenses came up, otherwise it would be maxed already.
Now is always a great time to invest for later!
#retireearly #financialindependence #fire
Markets are still down which means I've almost maxed out my Roth IRA for 2025. A few unexpected home expenses came up, otherwise it would be maxed already.
Now is always a great time to invest for later!
#retireearly #financialindependence #fire
2024 total spending was ~$30k. $29,611 actually. Nearly 32% of that was for various housing expenses. 23% travel, 18% food & dining, 11% utilities, & 7% auto. The other 9% went to donations, hobbies, clothing, entertainment, & healthcare.
#financialindependence #retireearly #fire
#financialindependence #retireearly #fire
January 28, 2025 at 1:39 PM
2024 total spending was ~$30k. $29,611 actually. Nearly 32% of that was for various housing expenses. 23% travel, 18% food & dining, 11% utilities, & 7% auto. The other 9% went to donations, hobbies, clothing, entertainment, & healthcare.
#financialindependence #retireearly #fire
#financialindependence #retireearly #fire
Reposted by Tracy
For my fellow Baby-Boomer retirees wondering "But... but... but what will I DO all day?!?"
And maybe Gen X plus some Millennials too?
https://buff.ly/3PylhzY
(P.S.: Social-media sites insist that cursive adds a dash of sophistication and higher clickthroughs to posts. I'm skeptical.)
And maybe Gen X plus some Millennials too?
https://buff.ly/3PylhzY
(P.S.: Social-media sites insist that cursive adds a dash of sophistication and higher clickthroughs to posts. I'm skeptical.)
January 15, 2025 at 11:38 PM
For my fellow Baby-Boomer retirees wondering "But... but... but what will I DO all day?!?"
And maybe Gen X plus some Millennials too?
https://buff.ly/3PylhzY
(P.S.: Social-media sites insist that cursive adds a dash of sophistication and higher clickthroughs to posts. I'm skeptical.)
And maybe Gen X plus some Millennials too?
https://buff.ly/3PylhzY
(P.S.: Social-media sites insist that cursive adds a dash of sophistication and higher clickthroughs to posts. I'm skeptical.)
Markets still down means it's a great time to make some purchases! I'm getting some more $ into my Roth IRA and my personal portfolio.
#retireearly #financialindependence
#retireearly #financialindependence
January 13, 2025 at 2:03 PM
Markets still down means it's a great time to make some purchases! I'm getting some more $ into my Roth IRA and my personal portfolio.
#retireearly #financialindependence
#retireearly #financialindependence
Happy Veganuary! Not only is going plant-based good for your health but it's also good for your wallet! Pulses are more economical than animal-based protein. Don't forget about tofu, tempeh, grains, fruits, veggies, nuts, seeds- need I say more?
#vegan #financialindependence #retireearly
#vegan #financialindependence #retireearly
Veganuary - the movement inspiring people to try vegan!
Since 2014, Veganuary has supported and inspired millions of people to try vegan for January - and beyond!
veganuary.com
January 7, 2025 at 7:37 PM
Happy Veganuary! Not only is going plant-based good for your health but it's also good for your wallet! Pulses are more economical than animal-based protein. Don't forget about tofu, tempeh, grains, fruits, veggies, nuts, seeds- need I say more?
#vegan #financialindependence #retireearly
#vegan #financialindependence #retireearly
Taking advantage of stocks still falling this 1st business day of '25 by depositing a nice chunk of $ into my Roth.
Did you know you can withdraw your Roth contributions at any time before age 59.5 with no penalties or taxes?
#fire #retireearly #financialindependence
Did you know you can withdraw your Roth contributions at any time before age 59.5 with no penalties or taxes?
#fire #retireearly #financialindependence
January 2, 2025 at 8:12 PM
Taking advantage of stocks still falling this 1st business day of '25 by depositing a nice chunk of $ into my Roth.
Did you know you can withdraw your Roth contributions at any time before age 59.5 with no penalties or taxes?
#fire #retireearly #financialindependence
Did you know you can withdraw your Roth contributions at any time before age 59.5 with no penalties or taxes?
#fire #retireearly #financialindependence
Last day of 2024- get your donations in!
My 2 fav places to donate $: my local library + The Wardrobe. Libraries help you save $ while learning & entertaining yourself. The Wardrobe gives all people a chance to own clothes that give them confidence.
#financialindependence #retireearly #donate
My 2 fav places to donate $: my local library + The Wardrobe. Libraries help you save $ while learning & entertaining yourself. The Wardrobe gives all people a chance to own clothes that give them confidence.
#financialindependence #retireearly #donate
Home - The Wardrobe
Wardrobe Holiday Hours: The Wardrobe will be closed Sunday, December 29 - Thursday, January 2. We kindly ask that you do not leave donations outside while we are closed. Thank you! It's The 12 Days of...
careerwardrobe.org
December 31, 2024 at 1:55 PM
Last day of 2024- get your donations in!
My 2 fav places to donate $: my local library + The Wardrobe. Libraries help you save $ while learning & entertaining yourself. The Wardrobe gives all people a chance to own clothes that give them confidence.
#financialindependence #retireearly #donate
My 2 fav places to donate $: my local library + The Wardrobe. Libraries help you save $ while learning & entertaining yourself. The Wardrobe gives all people a chance to own clothes that give them confidence.
#financialindependence #retireearly #donate
#frugalfriday tip- Learn good knife & cooking skills to save $! No need to buy expensive pre-cut fruit/veg. No need for the kale stripper or strawberry corer you never remember to use anyway.
Put that extra $ into your retirement fund and get compounding!
#fire #financialindependence #retireearly
Put that extra $ into your retirement fund and get compounding!
#fire #financialindependence #retireearly
December 27, 2024 at 1:51 PM
#frugalfriday tip- Learn good knife & cooking skills to save $! No need to buy expensive pre-cut fruit/veg. No need for the kale stripper or strawberry corer you never remember to use anyway.
Put that extra $ into your retirement fund and get compounding!
#fire #financialindependence #retireearly
Put that extra $ into your retirement fund and get compounding!
#fire #financialindependence #retireearly
Reposted by Tracy
2024 AGI will be my lowest since college!
Maxing out all my tax-advantaged accounts for the 1st time ever. I've come close but never got every last dollar/cent in. We have a new payroll person who is much easier to work with. Makes a world of difference!
#FIRE #financialindependence #retireearly
Maxing out all my tax-advantaged accounts for the 1st time ever. I've come close but never got every last dollar/cent in. We have a new payroll person who is much easier to work with. Makes a world of difference!
#FIRE #financialindependence #retireearly
December 17, 2024 at 2:56 PM
2024 AGI will be my lowest since college!
Maxing out all my tax-advantaged accounts for the 1st time ever. I've come close but never got every last dollar/cent in. We have a new payroll person who is much easier to work with. Makes a world of difference!
#FIRE #financialindependence #retireearly
Maxing out all my tax-advantaged accounts for the 1st time ever. I've come close but never got every last dollar/cent in. We have a new payroll person who is much easier to work with. Makes a world of difference!
#FIRE #financialindependence #retireearly
Reposted by Tracy
Escape the holiday shopping rush by giving homemade gifts from your kitchen this year. 😋
Treat your loved ones this holiday season with homemade gifts from your kitchen
Whether you enjoy visiting malls and shops crowded with people buying or not, chef Kathy Gunst has another idea. Stay home. Do some simple cooking, get creative with wrapping up your creations and giv...
www.wbur.org
December 12, 2024 at 7:58 PM
Escape the holiday shopping rush by giving homemade gifts from your kitchen this year. 😋
I love this so so much. Can we get one in the US please?!?
A phone company developed an AI 'granny' to beat scammers at their own game
The company behind the scam-baiting granny said the AI technology can keep scammers on the phone for 40 minutes at a time, keeping them away from real people.
www.wbfo.org
December 10, 2024 at 2:58 PM
I love this so so much. Can we get one in the US please?!?
Reposted by Tracy
Meet Poppy Rose, a two-pound bunny on the verge of setting a hiking record. 🏔️
Bunny summits all of New Hampshire's 4000-foot peaks, spreading joy along the way
Poppy Rose is nothing if not an experienced hiker. She’s done all 48 of New Hampshire’s 4,000-foot peaks and is on target to complete them a second time as winter hikes.
www.wbur.org
December 10, 2024 at 12:01 PM
Meet Poppy Rose, a two-pound bunny on the verge of setting a hiking record. 🏔️