Retired in our 30's, having adventures with Bruno, enjoying our newfound freedom!

16 Dec

Nicaragua-Honduras Border Crossing @ Las Manos

A new country! One we hadn’t spent any time in during our trip south, and one not as frequently traveled by overlanders who follow the PanAmerican Highway down from Alaska to the southern tip of Argentina. The Las Manos border we used to cross into Honduras was tiny with only a handful of travelers, but hoards of transport trucks clogging the roadway. There were surprisingly low levels of bureaucracy; they were happy to admit us and we were happy to have arrived!

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16 Nov

Bruno’s Next Big Adventure: Costa Rica to Nova Scotia

The bikes and surfboards have been sold, and there’s less than one week left of our life in Costa Rica. Our northbound Central American trip is taking shape and has a destination: we’re headed to Travis’ home province of Nova Scotia, Canada! We’ll be on the road for about 3 months and covering over 6,000 miles (close to 10,000 kilometers). We’re hitting up some sights we saved especially for the return voyage: the Mayan ruins of Tikal in Guatemala, the mountainous National Parks in Honduras, and all the wonders of Mexico’s Yucatan Peninsula. It will also be our first time visiting such U.S. hot spots as Austin, New Orleans, and Nashville. We’re excited! Here’s the route for the next few months:

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10 Nov

Bruno’s Path to Financial Freedom

Hi everyone, Amanda and Travis here! We’re a young couple in our early thirties and we saved $1,000,000, quit our jobs, and began our journey of financial independence. We planned our first big adventure: driving from California to Costa Rica. We bought a used 2000 Toyota 4Runner and aptly named him Bruno. We fixed him up so that we could sleep in the back, then we hit the road to camp and travel our way through Central America!

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Crossing a river with Bruno (our Toyota 4Runner) near Sámara, Costa Rica!

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21 Oct

Six Months of Early Retirement

Back in March, everything was coming together nicely: we had reached our financial goal of $1M, quit our jobs and cleared out our two-story rental home in Oakland using Craigslist. We had successfully purchased and fixed up Bruno – our used 2000 Toyota 4Runner, and we started driving down to Costa Rica from California. It’s now six months later and in this post I’ll answer such questions as: Have you run out of money yet? What do you do in Costa Rica? and Did Bruno break down and fail you yet?

Playa Pelada, Costa Rica

Playa Pelada, Costa Rica – This is our beach, a two-minute walk from our back yard!

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15 Oct

Storing your vehicle in Costa Rica at an Almacen Fiscal – Part II

The time has come! Bruno is to be freed from the chains of bondage. Well, that may be a little strong-worded. I’m pretty sure he just sat idly in a grass field during the bulk of Costa Rica’s rainy season. Could be worse.

What did it take to jail-break Bruno? A lot of patience, paperwork, and an entire day to waste away… at least, this was our experience. With these handy tips, we hope you can do it a lot faster!

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07 Oct

Exploring New York City with Citi Bike

While visiting New York City as tourists, we quickly began to appreciate just how huge the city is. So what is the best way to get around and see this amazing place?

The NYC subway is great and all, but with a $2.75 flat fee ride, it costs us $11 round trip anytime we want to go somewhere in the city. Travis thoroughly researched the Citi Bike program in NYC, as we’ve been seeing docking stations all over town. It turns out that at a cost of $10 p.p./day or $25 p.p./7 days, this absolutely saves us money and we also get a workout in between pizza slices!

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16 Sep

Panama City and the Illustrious Canal

So far during this month’s trip away from our home in Cost Rica, it turns out that leaving behind the laptop’s power cable was not the only thing Travis was to forget. Upon flying out of Panama City at the end of our 4-day visit, he left his cell phone plugged into a power outlet at the airport! While the phone is not particularly expensive (it’s four years old), we did have a bunch of beautiful panoramic pictures of Panama City that were on it. Thankfully, we still have lots of nice pictures from our compact Canon camera to share with you!

Panama City Skyline

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04 Sep

Caribbean Coast of Costa Rica and Panama

We’ve followed the Pacific Ocean south from San Francisco to our current home in Nosara, Costa Rica. Our 90-day Costa Rican visitor visas are about to expire, so it’s time to take a trip to renew them! We’ll check out the Caribbean vibe and then cross over into Panama, the southernmost country we’ll be hitting up on our Central American travels. We’re back on the road, and this time backpacking without our 4Runner Bruno!

Bocas del Toro, Panama

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12 Aug

50 Best US Cities for Early Retirement

Upon becoming financially independent, we decided to move away from the expensive San Francisco Bay Area. Although we’re currently enjoying life in Costa Rica, we will soon be driving Bruno back up to the US and need to figure out which cities are good candidates for living in.

To help us make this decision, I wanted to see which US cities have the lowest cost of living, are considered somewhat liberal, and also have mild winters.

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24 Jul

Early Retirement With Zero Income Taxes

Everyone loves taxes, and now that we’re traveling the world and no longer going to work everyday, what better time to plan for our future income taxes?

After years of working hard at our careers, we were curious to see how much of our previous income we’ve already paid to income taxes. Here is a table showing our income and taxes over the last seven years:

Year Income (AGI) Federal Tax CA State Tax Total Tax Paid Effective Tax Rate
2008 $177,863 $26,290 $11,445 $37,735 21.22%
2009 $158,857 $26,192 $9,713 $35,905 22.60%
2010 $146,863 $23,407 $8,574 $31,981 21.78%
2011 $149,305 $24,775 $8,229 $33,004 22.11%
2012 $207,581 $38,892 $13,507 $52,399 25.24%
2013 $204,718 $38,241 $13,729 $51,970 25.39%
2014 $234,992 $43,428 $16,368 $59,796 25.45%
Total $1,280,179 $221,225 $81,565 $302,790 23.65%

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09 Jul

Going to a Dentist in Costa Rica

When we were working full-time jobs, dental insurance is something that we always had. It’s a standard employer-provided benefit in both Canada and the US. During those days, we didn’t pay much attention to how much the insurance company was being billed for our dental visits.

However, now that we’ve both quit our jobs to travel and live the good life – we no longer have dental insurance! Amanda needs something called an inlay (bigger than a filling, smaller than a crown), I need a new mouth guard, and we both need standard checkups, x-rays, and cleanings. Let’s go see a dentist in San Jose, Costa Rica!

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