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Millionaire Librarian

A Middle Class Path to Early Retirement

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recent posts

  • Family of Three Cuenca, Ecuador Budget (March 2026 Update)
  • You retired early. You own your time. Why aren’t you happy?
  • 529s for the Future
  • Who Shouldn’t Move to Ecuador.
  • Limiting Spontaneity with the “$10 a day rule.”

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Personal Finance Series

Why are finances so important? Financial Independence.
Geographic Arbitrage-Keeping what you Earn.
Teacher is the Third Most Common Millionaire Profession.
Stealth Wealth
The Power of Percentages and Compounding.
How to Build Wealth for Generations
Roth IRA’s; Available to Almost All and an Extremely Powerful and Important Tool.
Index Funds: What We Invest in.
Delaying and Mitigating Taxes.
Pensions: An Introduction and Recommendation for Future Reading.
Money is Weird, but an Awkward Talk is Worth Knowing Where You Are Financially.
Tumultious Times and FU Money
Schwab VS Fidelity VS Vanguard
Cash Reserves and Emergency Funds
The Big Decision I Made Five Years Ago that Allowed Me to Retire at 38.
The Market is Overpriced! What Should You Do?
The Money Snowball.

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