Retire Before Dad

Retire Before Dad Building income streams. Explore the unusual. A finance blog about retiring early to see the world. My first love is my beautiful wife and two kids.

I’m an investor and blogger based in the Washington, DC metro area. My goal is to stop working before I turn 56, the age my Dad retired. My second love is travel. Combining both in early retirement is the ultimate goal and my primary motivation for financial independence.

Fewer stocks means more concentration risk and missed opportunities (growth of AI) for retail investors.
11/20/2025

Fewer stocks means more concentration risk and missed opportunities (growth of AI) for retail investors.

U.S. stocks are shrinking, indexes more concentrated, and private markets capture trillion-dollar gains. What does it mean for retail investors?

I'm back from a seven-week break from RBD.My three-week trip to England and Scotland inspired this post.
08/28/2025

I'm back from a seven-week break from RBD.

My three-week trip to England and Scotland inspired this post.

Discover how lifestyle dividends from entrepreneurship and smart investing can offer freedom and family experiences, reshaping success.

A few things I've learned over the years:
06/26/2025

A few things I've learned over the years:

RBD shares seven investing lessons he's learned from 30 years of experience.

My latest article on RBD. I get this question a lot.
05/01/2025

My latest article on RBD. I get this question a lot.

Is it realistic to retire on dividends? Probably not. You can retire sooner and spend more by combining dividends with investment sales.

Are the markets more uncertain in 2025 than any other time?No, in the short term markets are always uncertain. But as yo...
03/20/2025

Are the markets more uncertain in 2025 than any other time?

No, in the short term markets are always uncertain.

But as your investment horizon expands, returns become less uncertain.

Investing isn’t gambling. While short-term market moves are uncertain, long-term returns are more predictable.

A friend of mine asked why his financial advisor was underperforming the markets so badly. We found six possible reasons...
03/06/2025

A friend of mine asked why his financial advisor was underperforming the markets so badly.

We found six possible reasons why. Here's the article and video.

Are you wondering why your portfolio isn't performing well while the stock market has been soaring? Here's how to determine what's wrong.

I stopped budgeting several years ago because I thought I made enough money to ignore it. Lunch Money changed my mind. I...
02/20/2025

I stopped budgeting several years ago because I thought I made enough money to ignore it.

Lunch Money changed my mind. I'm back to budgeting again thanks to this impressive and affordable software product.

This Lunch Money review and companion video demonstrate the powerful yet easy-to-use software that automates the budgeting process.

A framework for making financial decisions approaching and into retirement.
02/06/2025

A framework for making financial decisions approaching and into retirement.

Explore the four cornerstones of a DIY retirement: financial clarity, asset growth and preservation, data-driven decisions, and measured speculation.

The Purpose Code by Jordan Grumet (aka Doc G) offers a fresh way of thinking about meaningful work and creating a fulfil...
01/09/2025

The Purpose Code by Jordan Grumet (aka Doc G) offers a fresh way of thinking about meaningful work and creating a fulfilling and happy life.

Learn about "Little P purpose" and "the Climb" to find it.

I'm giving away five free copies. Sign up for a chance to win.

Jordan Grumet (aka DocG) is a long-time thought leader in the financial independence and retire early (FIRE) community. His podcast, The Earn & Invest Podcast, is nearing its 600th episode.  He’s interviewed just about every blogger, author, and intellectual authority in the personal finance and ...

Roth conversions are highly dependent on your current income and tax bracket. Use a calculator to inform decisions.
12/12/2024

Roth conversions are highly dependent on your current income and tax bracket. Use a calculator to inform decisions.

Roth conversions can be a powerful tool in your retirement quiver. Here are 6 considerations to determine if a Roth conversion right for you.

I chased early retirement for 19 years, only to realize it was the wrong goal. When I committed to a career I love, the ...
11/29/2024

I chased early retirement for 19 years, only to realize it was the wrong goal.

When I committed to a career I love, the desire to retire early went away.

Early retirement isn't the best goal. Discover three alternative career and financial goals that promote purpose and lasting happiness.

I had a fun conversation on the Earn & Invest podcast with Jordan Grumet about the "Creator Mindset". We talked about cr...
11/25/2024

I had a fun conversation on the Earn & Invest podcast with Jordan Grumet about the "Creator Mindset".

We talked about creation vs. consumption, my previous career, and how I decided to leave it to become a full-time creator.

Check it out here:

The Creator MindsetAre you a creator or a consumer. While many think that the simple path to wealth involves frugality and careful spending, today we discuss the path to abundance through creation. Craig Stephens was a government contractor before he set off on his own as a blogger. His blog is Reti...

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