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Retired and Inspired at 55
Thoughts and Musings on Early Retirement

Early Retirement Can be Yours
Welcome to my blog on early retirement. It took a lot of planning and discipline but I was able to retire at 55 in February 2020. I'll share how I did it, and my experiences in retirement.
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Preparation is Key
I’ve always taken my workouts seriously, both weights and cardio, but once my hip surgery was scheduled I increased my focus on...

fhoth3
Jan 22, 20242 min read
Life is All About the Pool You Play In
Thanks to Stephen Pastis and his Pearls Before Swine comic of 12-10-2023 for inspiring this post. In it, a character encounters a group...

fhoth3
Jan 15, 20243 min read
2023 – A Look Back
2023, a return to normal – for the most part. Almost 4 years into my retirement and these 4 years have flown by. This year was a blur at...

fhoth3
Jan 8, 20245 min read
New Hip for Christmas
This post is for all the Boomers and GenXers who have hip or knee issues but are putting off surgery due to fear or the false belief that...

fhoth3
Dec 18, 20233 min read
Just Use the App
This post was inspired by an experience my wife had during a recent trip to Home Depot when she was trying to locate an item in the...

fhoth3
Dec 11, 20232 min read
Cyber Monday Madness
As I type this late in the afternoon of Cyber Monday my inbox continues to be inundated with emails promising amazing deals only...

fhoth3
Dec 4, 20232 min read
Side Trips Part 3
Time to cover more of the many side trips I took over my years of business travel . Early in my career I was not savvy when planning...

fhoth3
Nov 20, 20234 min read
What Did You Expect?
Let me begin by stating that I am all for working people earning a living wage. That being said, this post is focused on how mandating...

fhoth3
Nov 13, 20233 min read
Don’t Fall Back – Revisited
Those of you with me since 2020 will recognize this one. After 3 years, and Covid, it’s still as applicable as it was then so I am...

fhoth3
Nov 6, 20232 min read
Make Every Moment More – Redux
With the return of football and hockey, I started watching sports again, and was immediately inundated with commercials for the myriad of...

fhoth3
Oct 30, 20232 min read
But Governing is Hard
Is it just me or does it seem that today many people seek elected office out of some ego-driven desire to be social media stars? From...

fhoth3
Oct 23, 20233 min read
Missed My Window but Got Great Stories
On a rainy Sunday afternoon this summer I made my way to a nearby brewpub for a couple of pints, some food, and to get my Somerset Sip...

fhoth3
Oct 16, 20234 min read
Big Banks, Digital and Crypto Currency
I’m not a conspiracy theorist but it is odd that during the global push away from hard currency to credit/debit cards, crypto currency...

fhoth3
Oct 9, 20233 min read
Celebrate the Little Things
We are often told to not sweat the small stuff, and that’s good advice. Missing from that advice is the opposite: celebrate the little...

fhoth3
Oct 2, 20233 min read
There are Still Hits in Your Bat
I’ve written a lot about retirement being the beginning of your next chapter, not just the end of the previous one. That thought came to...

fhoth3
Sep 25, 20232 min read


Rock Snake and a Gator
This post was inspired by recent events at a local park that includes a shallow lake and our town’s 9/11 memorial. The rock snake is a...

fhoth3
Sep 18, 20233 min read
Feeling at Home
On a recent Saturday while my wife was away, I was having a really bad day and needed to change my mood. With that in mind, and my...

fhoth3
Sep 11, 20233 min read
Beware of Medical Billing Practices
After a recent routine medical procedure that included various entities over the course of a few weeks, the bills finally started...

fhoth3
Aug 28, 20232 min read
Live In the Moment
This short post is about me doing something I normally struggle with – abandoning my plans and living in the moment. On a recent rainy...

fhoth3
Aug 21, 20232 min read
Stepping Back in Time to Connect with the Present
I recently took a trip to Gettysburg with our nephew who just turned 20. We are both into exploring history, and since we were traveling...

fhoth3
Aug 14, 20234 min read
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The articles in this blog are for informational purposes only and are not intended as legal advice, financial advice, emotional advice or counsel.
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