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This site is dedicated to helping you see how easy retirement and financial freedom can be.  We work hard to ensure that our content and this site are easy to follow, helping even the most financially challenged reach their money goals, and gain their freedom!  Let’s get started!

This site is intended to be a resource for those who have a desire to master money, and take control of their lives.  Levels 1, 2, and 3 of the Ultimate Guide to Early Retirement is designed to teach you everything you need to know to confidently master money.  Each article in the series covers a different concept, conveys easy to consume information, and provides practical steps you can take to start making progress today.

While there are endless personal finance blogs out there, this site sets itself apart by offering information in an exceptionally easy to use format.  While most sites disperse expert information, it is frequently a bit disjointed, leaving the reader frustrated on where to go next, or how all the pieces fit together.  This site breaks down information into easy to consume pieces, written in a narrative fashion for you to follow along.

Ultimate Guide to Early Retirement:  The premier resource in helping you achieve your financial goals.

  • Level 1 – The Basics: The foundation for all things retirement.  Regardless of age, expertise, or level of savings, start here.

  • Level 2 – On Your Way: In-depth details on more advanced financial concepts and tangible actions to help you get moving towards your goals.

  • Level 3 – Optimization: Advice on how to further refine your lifestyle and finances to ensure you reach your goals as quickly as possible.

Basic knowledge of money, investing, and retirement concepts alone aren’t always enough to get things moving.  Most people need to see examples of how to tackle real-world problems.  To account for these real-world examples, and help you see how easy they are to tackle, we have included the Case Studies Series, a Spouses’ Perspective, and a Supplemental Reading section.

  • Case Studies: Real numbers laid out as simple as possible.  Everyone can find someone they relate to in this series and see how easy it is to make changes to put yourself on the right track.  Case studies are broken down into multiple sub-sections:
    • Average American: A series covering college students to traditional retirees, you’ll see what an average person looks like and how you can make sure you aren’t average too.
    • This or That?: Pay off the house or invest for retirement?  Save for my sons college or max out my 401K?  Common questions that everyone has are answered using real numbers and examples.
    • Reader Submissions: I walk through case studies submitted by you, the reader, and help get you back on track.
  • A Spouses’ Perspective: Written by Mrs. RME, this series shares critical insights from the other side.  If you have a partner, getting them on board early is crucial and Mrs. RME will share her perspective on ways to do just that.
  • Supplemental Reading: A plethora of other information for you to ponder.  While Levels 1, 2, and 3 will likely cover the needs of most, the Supplemental Reading section offers short articles sure to stimulate new ideas and personal progress.

Here I will discuss a bit lighter content.  Posts may be a bit less frequent and will cover:

  • Personal Finance: The financial journey for the RME family, and our progress towards early retirement.
  • Travel: Aside from the world of personal finance, our passion is travel.  Seeing the world and experiencing other cultures is the gift that keeps on giving.  We share our stories and experiences of traveling with a toddler.
  • 9-5 job: Insight and experiences from having worked various technical and leadership positions at a Fortune 500 company.

Mr. and Mrs. RME are in their early 30s and well on their way to early retirement and financial freedom.  

Mr. RME has advanced degrees in math and science and has spent the past decade in various leadership positions of a Fortune 500 company, gaining knowledge of investments, finance, and how to master money.  His passions are personal finance, travel, and helping you see how easy achieving retirement can be and is the primary author for this site!

Mrs. RME acquired a specialized business degree, has also worked a highly successful career in corporate america, and now enjoys raising RME Jr. from home. Oh! She is also the technical director for this website. 

We both love to have fun, work hard, and look forward to helping you achieve your dreams of financial freedom!

Learn even more about us here!


  • A Spouse’s Perspective – What is FI and What it Means to Me

    A Spouse’s Perspective – What is FI and What it Means to Me

    Hello! I am Mrs. RME and am here to offer my perspective on our journey to financial independence/FI/ early retirement/FIRE…call it what you want but, basically our journey to FREEDOM. My role at Retirement Made Easy is to convey a spouse’s perspective (and sometimes sympathize with you 😊) for when you think your spouse has gone off the deep end in regard to your personal finances…they might actually be on to something amazing. If/when your spouse suggests eating Ramen for a month to see what that does to your monthly savings rate…that’s a big time NO…every time. It is absolutely …Read More »
  • Level 1 – The Basics – Spending

    Level 1 – The Basics – Spending

    Directly tied to the concept of savings rate is spending. How much you spend drives your savings rate. Your savings rate and income level drive how quickly you can reach financial independence. Not rocket science, but some never put all the pieces together. I view saving in three buckets: • Big Ticket and Bills • Discretionary • Experiences and Entertainment Big Ticket and Bills. This bucket is by far the largest and includes things like housing and utilities, transportation (payments, maintenance, insurance, and fuel), food, personal insurance and healthcare. According to this data Data, these items add up to approximately …Read More »
  • Level 1 – The Basics – Saving

    Level 1 – The Basics – Saving

    Now that you better understand why it is so important to push your income as high as possible as soon as possible, the next thing to discuss is saving, and more specifically, saving rate. This section is fairly short, but critical to understand how your saving rate can drive progress, or completely derail your financial future. Let’s start with an example using some general numbers: Mike makes $100k a year and has a take home pay of $75k. His spending / take home pay (THP) ratio sits at only 10%. For most folks, this isn’t too bad. In fact, it …Read More »
  • Average American Series – Mid-Career

    Average American Series – Mid-Career

    Workers that are 15-20 years into their career are considered, “mid-career”, and typically fall into the age range of 35-44. For the purposes of this case study, let’s call them 40. The Stats: Age: 40 Salary: $78,385 Spending: $58,784 Credit Card Debt: $2,277 Mortgage Debt: $168,112 Auto Debt: $18,615 Student Loans: $20,219 Amount Saved: $4,200Read More »
  • Level 1 – The Basics – Income

    Level 1 – The Basics – Income

    Pushing your income as high as possible, in my opinion, is the most important tactic to achieving financial freedom and early retirement.  Let’s dive right in with a Bob example: Bob makes $35,000 a year, and is very comfortable and happy with his job.  He has been there for eight years and has no plans to make a move, despite the low pay rate, and lack of opportunities to advance.  Here is Bob’s story:  Age: 21 (right out of college)  Salary: $35,000  Take Home Pay: $29,750  Spending: $20,000  Savings per Year: $9,750  While spending $20,000/yr., Bob lives a decently comfortable life …Read More »


  • Mrs. RME's Perspective of FI (March 19)
  • Level 1 - The Basics - Debt (March 26)
  • This or That? - Rent Or Buy? (April 2)
  • Level 1 - The Basics - Investing (April 9)

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