How time flies! Reflections on a two-year milestone

Two years ago today I drove to work and walked into my office for the last time. Shortly thereafter, I briefly met with someone in HR, turned in my company ID and laptop, and exited the building, no longer an employee. I’d performed this routine a number of times before at other companies, but this was the first time I’d done so with no new job lined up. I was unemployed – forever, perhaps, leaving my 23-year biotech career behind. This was indeed intentional, as I’d achieved my financial independence (FI) target a year prior, and was now “retiring” early (RE) – starting the next phase of my life. I had no idea what was going to come next but I was really excited about it!

One more year?

As I recently wrote all about, I’ve done a lot in the two years since that day. Taking inventory of what I’ve tried, learned, accomplished, and enjoyed, was a really valuable exercise. I’ve certainly felt busy very often, and looking at that list after writing it reinforced to me why that was the case! This time I’ve had, while often strange, has been incredibly valuable to me. As we recently discussed on an as-yet unaired episode of Two Side of FI, I wouldn’t trade anything for all that I’ve gained by deciding to take this path.

In that conversation, my show partner and great friend Eric asked me a question posed by one of our viewers:

“Knowing what you know now, would you have worked an extra 1-2 years that would allow you to build up additional buffer, such that some of the tougher decisions you’re making now (and stress that goes along with it) would be less of an issue or not at all.”

The spirit of the question was financial in nature, but I spoke to it more broadly. I’ve not yet watched the video recording, so I don’t know precisely how I answered. But I certainly recall the spirit of it as it’s easy: absolutely not. Sure, by continuing to work and banking another year of savings, mathematically one can only feel more secure. In doing so, you’d have more funds in your portfolio, additional cash reserves, etc. Perhaps you could use some of that money to buy something fun for yourself – maybe an RV, like so many retirees enjoy. That’s certainly a possibility too. However, that would have meant trading away my experiences over the last two years. And I’m unwilling to do that.

731 days of learning

Sure, I know what some may be thinking: trips could have been put off to a future date, coursework could have been undertaken at another time, and so on. But many if not most things would surely be different as a result. We can’t merely “cut and paste” the chapters of our lives as if we were writing a document in Microsoft Word. How can I look at the experiences I’ve enjoyed, time with family and friends, the memories I’ve made, and say “sure, if I could rewind the clock I’d do it all differently”, and elect to work another year or two? It’s unfathomable to me.

I’m so incredibly thankful for the experiences I’ve had and the memories I’ve made over these past two years. I’ve learned much along the way, most of it about myself. This time to reflect, and I believe, grow – greatly concentrated due to COVID-19 lockdowns and a lot of time spent at home, has been priceless. All retirees surely must go through this period of introspection and searching given the magnitude and suddenness of this life change. I don’t mean to say that I’m special in this way. Rather, I’m merely noting how much I have valued this time that I’ve had to think hard about my nearly 49 years on this planet, my successes, failures, and everything in between. Not to say that I have it all worked out – far from it! I’m merely getting started, I think, but every journey begins somewhere.

I’ve done and learned a lot in these past two years. In some ways it was very much as expected, but there have been so many more ways in which I was surprised (more on that here). I’m truly enjoying this opportunity to explore new interests, to learn, and grow. If I knew a genie, I wouldn’t choose to change my path to this day. I am truly grateful for the experiences I have had, and for this time with my family. I feel very fortunate and am thankful for all that I have. Here’s to whatever the next two years brings!

I wish you all the best in all things. Thanks for being with me on this journey. 🙏

The value of taking inventory: a 20-month checkpoint

First, sorry to have been away so long! I see that it’s been two months since my last post – my longest writing gap so far. To be honest, I just haven’t had topics about which I wanted to write, such that I was willing to take time away from other things on my plate. That changed today while on a walk with my wife, Lorri.

If you’ve worked in retail, manufacturing, or in a whole host of other trades, you understand the value of taking inventory. One of the key lessons I’ve learned since leaving the workplace more than 1.5 years ago is that this applies to our personal lives as well. What do I mean? I’ve found there is tremendous value in taking time to reflect, allocating the mental space needed to think about what you’ve been up to, your accomplishments, lessons learned, etc. I didn’t do a very good job of that -and often enough during my career, but this blog has been a big part of me changing that.

Some time after I wrote an article reflecting on my first year in early “retirement”, I decided I wasn’t going to write another milestone post until my two year mark. Sitting here penning this piece, I realize that I’ve changed my mind. Today marks 628 days since my last day at my last job in biotech, just over 20 months or 1.75 years ago. Most days, that phase of my life seems really far away, but on occasion it feels rather near. The former makes good sense to me as I feel like, despite the challenges that came with COVID-19, I’ve done a lot since embarking on this next chapter in my life. And so I thought it would be a fun exercise to take inventory of those things here.


So what have I been up to? I don’t know if I can top the pace of my first six weeks post-FIRE, but I feel like I’ve done a lot. While not an exhaustive list, in no particular order, I have…

  • Started Two Sides of FI, a YouTube channel and podcast, with my good friend of 35 years, Eric. As I write this, we’ve released 29 full-length episodes as well as many highlight videos and Shorts, which have been viewed nearly 700 thousand times, and we have nearly 13,000 subscribers to the channel. Wow! I’m so proud of this project and remain humbled that people value the content we produce. This has been the most fulfilling aspect of my FIRE journey so far, without exception.
  • Learned* video and audio production and editing. The asterisk denotes that this learning is very much ongoing. But I feel like I now know just enough to be dangerous re: Final Cut Pro, Garage Band, and the processes needed to put out video and audio content.
  • Completed three iOS app development courses and wrote a few apps. I spent a good chunk of the first 4+ months after moving to this effort, and really enjoyed it. I completely threw myself into this and had planned to do so even before leaving my job. I’ve not done much with this lately but who knows? I may pick it up again.
  • Qualified as a FAA-certified Part 107 commercial drone pilot. Last year I bought a drone and wasn’t entirely sure of where that would take me. But since the videos were going to be used on YouTube and I had some interest in other commercial uses, getting the license was the right path. Will it ever go beyond simple hobby use? Who knows?
  • Volunteered at my local COVID-19 vaccine clinic. One of my post-FIRE aims was always to do more service. Due to COVID and other more selfish reasons, I haven’t done really well on this aim – yet. But I did enjoy taking a weekly shift at the town clinic during the big vaccination push in those early months after shots were available.
  • Worked part-time at a local winery tasting room. I never saw this coming but my love of wine, enjoyment of education, and need for socialization made a once-weekly tasting room job a great fit. I’m still doing this nearly a year later with a really great group of people, and I truly enjoy it – as well as the industry discounts! 🍷
  • Given two talks and career counseling to students. I had the honor to be invited to speak to two groups of undergraduate + graduate students about careers in biotechnology and my own path. Since then I’ve had a number of career counseling calls with students. I get a ton out of these and wonder if it may turn into something I want to do more with.
  • Took the longest vacation of my life – 5 weeks! Like many, we didn’t get to see family and friends for over a year due to COVID-19. It was wonderful to get such a long time to travel with my wife and daughter, seeing so many people we missed. This kind of trip, along with some shorter road trips, simply couldn’t have happened were I still working full-time.
  • Found a great online community in the FIRE Discord server. I’ve been a fan of online chat since the earliest days of the internet. But I didn’t realize the value I’d find in socializing with a group of like-minded FIRE folks such as this great group has provided me. Talking about FIRE can be tricky so forums like this are a wonderful thing to have.
  • Taken several online classes. Outside of the iOS coursework, I’ve taken classes in topics including financial markets, personal finance, and most recently world history (admittedly we’ve been a little delinquent on this last one lately). I love learning and look forward to taking some classes at our local community college or university in the future!
  • Started a homebrewing club with Lorri. Making connections with people and socializing is important. The combination of moving to a new town, not having a “day job”, and COVID made both things tough. It’s been great to combine our love of beer and brewing with the opportunity to meet people. We’re a few months in now and it’s going really great.
  • Done a ton of cooking and learned new cuisines. I managed to make all seven of the Oaxacan moles (my recipe database is here), which was an extension of a long-standing bucket list item to make mole negro. Eventually I moved on to Indian cuisine, which was a really fun change-up. I’m still cooking nearly all the family’s meals at this point and it’s something I truly enjoy.
  • Taken hundreds of walks and hikes. I’ve taken a walk nearly every day since I stopped working, and most weeks I also take a longer hike with Lorri. This has been great for so many reasons: when solo, I listen to books or podcasts, or simply take time to reflect. When my wife and I walk/hike together, it’s great phone-free time to just catch up, talk about future plans, and enjoy quiet time together. I can’t imagine not having this in my life now!
  • Read many more books than I had in years. While I’ve always been a reader, admittedly the pace of completing books slowed a lot for me as my career advanced. I’ve now completely turned that around and between audiobooks, ebooks, and the paper kind, I get through tons more these days. It’s also wonderful having a library just a short walk from home!


I’m sure I neglected to add many things to this list. And it’s probably way too long so I do wonder who will even read it. But even so, it’s been really rewarding to sit, think, and write this piece. A few thoughts come to mind: While I now have way more “free time” than ever in my adult life, I’ve never been bored (I get asked this a lot). Rather, like many early “retirees”, I don’t know if I’ve ever been busier. The difference is that now with rare exception, the day is full of the things I/we want to do, and not things at someone else’s direction. But this list does at least help me appreciate why I always feel like I’ve got plenty that I want to do!

Looking at the list, it’s a mix of things I’d planned to do since before I stopped working, along with quite a few I just stumbled into – the YouTube channel is a great example of that. There was absolutely no plan to do that and yet it’s become my biggest time expenditure post-FIRE, as well as the most rewarding part of each week. And this is the benefit of this chapter of my life. I now have the freedom to wander around, trying things, and seeing what sticks. And like with iOS coding, I can simply set things down after trying them – temporarily or perhaps permanently. Who cares?

As I’ve written many times here before, I know just how fortunate I am to be where I find myself. I remain thankful for all of you who read these pieces, sharing your own experiences with me as you follow my journey. I wish you all the best in whatever you aim to achieve.
Mahalo. 🙏

The many learnings from year one of early “retirement”

ONE YEAR since I left my job? Wow. Particularly given the odd pace of “pandemic time”, I find it hard to believe I’m already at this point. But here I am! Looking back at the countdown calendar that formerly hung on my office wall confirms it. On an afternoon exactly one year ago today, I handed in my employee badge and drove out of the company parking lot, almost certainly bringing my 23-year biotech career to an end. A few weeks later my family moved out of the Bay Area to the Central Coast of California. I wrote my first blog post here several weeks later. Now after twelve months and 43 posts, it’s time for another in my series of milestone articles. Will it be my last? Who knows!

After a year I still generally avoid the term “retirement” or I place it in quotes as I’ve done here. At 47 years old, I still think it unlikely that I’m completely done with all things that could be termed “work”. It is true that I leveraged reaching financial independence to step away from the only career I’ve had – and still have no intentions of going back. But it’s also entirely possible that one of the many ideas I’m exploring could turn into gainful revenue generation. Again, who knows? That flexibility is exactly what I was targeting with my FIRE journey. That said, I can’t imagine myself schedule-bound to an office job at someone else’s company. ? It seems more likely with each day that this will continue to be the case.

I have approached this article differently than my earlier milestone posts. Instead of my usual (rambling) long-form, I will briefly summarize some of they key lessons I have learned and observations I’ve made. That seemed a better method to share a broad range of information without a really long article. I’m hopeful that this bite-sized approach will work out well and perhaps will provoke questions that would be fun to expand upon! So without further ado and in no particular order…


  • It can be very difficult to resist the temptation to fill all your time with “stuff”. Our careers train us in this way and it takes active effort to get comfortable with anything else. But I think that having truly “free time” is vital to allow the creative process to happen!
  • Like any big changes, leaving your career behind is an emotional roller coaster with many highs and lows. You can’t truly prepare for that, short of just being cognizant that the mental churn will happen and is completely normal. It’s really important to reflect on what you’re feeling. Journaling or blogging can help!
  • Talking openly with your partner & family is really important. Sharing the emotions you’re feeling helps everyone. After all, they are going through this huge change with you! Keeping it in will only create tension that helps nothing. Ask them how things are going now that you’re around so much more and see if anything needs to be adjusted.
  • If your identity is tightly wrapped up in your former job as is common, it will be a substantial change when this is removed. Thinking about your purpose and what defines you and is important now, is really useful. What is your next phase of life going to be about?
  • Don’t fear trying things and setting them down. This is the very heart of having the freedom to choose how to spend your time. If like me you have many interests, it’s perfectly OK to try them out only to decide “that’s enough for now” or “I don’t actually want to do this”.
  • Related to the above – it’s important not to pressure yourself to find “the next thing to do”. At least in my case, this created stress in the first few months. Financial independence means that additional income – while nice, is not required. Your time is better spent exploring, from which may spring that next great idea! But don’t rush into anything hastily.
  • It can be really tricky talking about FIRE and early retirement – particularly with people you’re meeting for the first time. I often refer to my increasingly rare consulting gigs as my “job”. Yes, it’s a cop-out, but it works before I get to know someone well. It’s worth thinking through how you will handle this in advance. You’ll get lots of practice, I promise you.
  • The things you miss about the workplace may surprise you. Giving some thought to this before you depart may help you identify other ways to satisfy those needs – but it won’t be perfect. Again, this is just part of the emotional roller coaster that will surely come.
  • Many workplace friendships are just that, and they won’t all persist after your shared work life is no longer there. COVID + moving certainly didn’t help in my case as visiting people wasn’t an option and Zoom meet-ups are only so effective. But I am convinced that many relationships at work are very much tied to the workplace itself. This is perfectly OK!
  • On a related point, it’s easy to under-appreciate how much socialization occurs at work. What will you do during those weekday “working hours” while your friends are busy? Finding appropriate avenues to engage with others is still really important. Clubs, civic groups, volunteering, and other means to find like-minded people is important – particularly if you relocate in retirement, as I did. Pouring wine at a tasting room one day a week is proving to be fun for me and plenty social!
  • Lots of people make bucket lists of big and small things they intend to do once they retire. I have found since leaving the workplace that I continue to generate ideas of things I might like to do. I keep these out of sight in an “idea funnel” that I revisit from time to time. It’s fun to see how my thoughts change about prioritization; there’s also no pressure to feel like it is a “to do list” that I must achieve. This subtle difference feels really good to me.
  • Building skills and “making” things are really effective ways of continuing to challenge yourself, to keep learning, and also to feel productive. They are also great mechanisms to unearth potential business opportunities or at least new hobbies and avenues of personal entertainment. Knocking procrastinated chores off your to-do list only lasts so long!
  • Just because someone is willing to pay (a lot) for your expertise doesn’t mean it’s the right thing to take on. I’m grateful to have been presented many consulting opportunities over the last year. While tempting, I’ve had to be really careful about not over-committing at the peril of being unable to do all the other things I want to do! Be sure to choose wisely.
  • The freedom gained via FIRE has proven to be well worth it! I love being able to choose how to spend my time. I can’t count how many times I’ve woken up with zero plans and at the end of the day realized what a fun day I had, just taking things as they come. My wife is much more spontaneous than me and I’m finally starting to understand the joy in this.
  • On a similar point, I’m really excited to finally get the chance to test out our interest in longer term travel. This summer we’ll take a five-week trip to visit family and friends. Wow! Like most Americans, we’ve never been away more than two weeks on vacation. It’s a little scary, but almost entirely in a good way!
  • There is no “right way” to do this. From talking to others, whether in FIRE or traditional age, retirement is definitely individual. We each have our goals, our interests, and our individual preferences. I think many of the points herein apply broadly. But you will each need to determine what is important to you and how you will spend this next phase of your life.

I hope you’ve found this post useful. I remain incredibly grateful to be in the position I am, something I reflect upon often. It is my earnest hope that in sharing my experiences I can assist others in their own journeys. Decisions relating to retirement are among the biggest we make in our adult lives. There are many paths to arrive at that goal and so many decisions to be taken along the way. And yet as has been well documented, few people feel well informed on the topic by the time they are deciding when and how to retire – or worse when others have decided that timing for them. I aspire to change that however I can.

Above all, I wish you all the best in your own journeys! If there are any questions that this post has prompted or areas in which you’d like me to dig in further, please comment below or on social media. I’ve learned much from the interactions I’ve had with readers and some of my favorite posts have comes from conversations with you. I just want more of them!

If you’re not yet following my Two Sides of FI YouTube channel (or the audio podcast version: Apple, Spotify, or search your provider of choice!), please consider it! My co-host, Eric, does a really great job of challenging me and asks thought-provoking, and sometimes difficult questions that I’m not always willing to put to myself. And I think you’ll find his perspective as one approaching FI incredibly valuable. Mahalo! ?