How We Plan to Spend $80,000 a Year & Pay Nearly $0 Taxes

I'm always interested to hear how other people are minimizing their tax liability after retirement. Here is my personal strategy that we'll be using to reduce our taxes to nearly zero when we stop working. This approach sounds unrealistic, but you might be able to hit $0 in taxes too!

September 3, 2018. 9 min read. 18 Comments
Why I Avoid Dividends Like the Plague
Why I Avoid Dividends Like the Plague

Dividends may seem like a free money, but if you're not prepared for it you'll be caught with an unexpected tax-burden at the end of the year. My own investing strategy relies on both reducing dividend in taxable accounts and embracing them tax-advantaged ones. This allocation helps to cut taxes to the bone.

August 13, 2018. 6 min read. 7 Comments
Blog - Q3 Investment Report
Minafi 2018 Q2 Summer Investment Report

Every quarter I analyze my investments, share my net worth and assets with the world. This was a crazy quarter. My investments inched up 2.84%, but my net worth jumped an astounding 71.9%! See what led to this dramatic and unexpected jump.

July 23, 2018. 18 min read. 5 Comments
Minimal Investor ESPP Guide
The Minimal Investor ESPP Guide and Calculator

I’ll be honest, I’d never heard the term ESPP or “employee stock purchase plan” up until recently. As soon as the company I work for announced they were starting one, I began consuming everything I possibly could about them. Are they worth it? Why should I use one? What’s in it for me? If you’re […]

June 25, 2018. 8 min read. 5 Comments
couple reading on an ottomon
What You Should Know About Investing At Every Age From 16 to 60

If you want to achieve financial independence earlier in life, there's a lot to know! Budgeting, investing, tax-strategies and how to use every tool at your disposal to retire early. Here is a map of everything you need to know to retire early looking back at the best articles in the last 10 years.

June 11, 2018. 4 min read. 4 Comments
Sakura Blossom Boats
Minafi 2018 Q1 Spring Investment Report

A snapshot of my finances as of April 1, 2018. We were down 1.5% for a total of -$19,120.00 for the quarter. This includes my investment totals, specific stocks, category breakdowns and how I'm doing on the road to FI.

April 16, 2018. 13 min read. 9 Comments