The longest journey starts with a single step…

Hello, greetings and konnichiwa! Call me Ishmael ….err… ‘Nomad’.

Greetings! (Forgive the Moby Dick reference above) The Nomads are not yet fully retired and not as Nomadic as they would like yet but definitely moving in that direction. We want to engage in our passions of travel, languages and other cultures in the not too distant future. Anyway, we won’t be of the “retired by 30” gang but we won’t be eligible for social security either. We have been building our plan for a number of years and now we are ensuring our teenage kids are on their way to being able to survive on their own while we go….elsewhere. This site will be a cornucopia of various subjects, as interesting things (or things that we think are interesting) are found they will be added.  

Nomad has been in tech/business/travel now for 30+ years so will be writing on travel, tech, and personal finance among other things. How to connect, using what, how to stay safe, how to escape the rat race, etc. But also in past he was in the hospitality business, his family-owned restaurants, he worked on a cruise ship for 4 years so food comes into the picture too.  He speaks a couple of languages with varying degrees of fluency, English, Dutch, Spanish, German, French and a smattering of a few more. He picked up an MBA in International Business and a Masters of Science in Information Technology along the way (with NO DEBT)  Left his day job as Director of IT for a huge well-known company in California then after a few months of doing things to help the wife wind down and sell her Real Estate brokerage got bored. Retirement from one type of work had trans-morphed into another but still not enough to do so when his former boss at a high tech company offered him a spot he signed up for another stint. Nomad had had 15+ years there and considered it “home” so he went back for another lap. But every chance the Nomads get we are off on another adventure. Figuring out how to create a portable income (not for necessity but for keeping boredom at bay and to not have to touch the nest egg) and have some ideas but searching for more. Has to be something that can be done from anywhere (have laptop will travel…)

Mrs. Nomad came to the United States as an exchange student from Japan at 16 and pretty much never left. Along the way she spent a year in Spain and learned to love that culture and the language. She has been keeping up and studying Spanish since then and is fluent. She speaks English, Japanese, Spanish and a fair bit of Korean. She has a BA in International Business from St. Louis University, was a real estate agent then broker until she got tired of that. Now she travels, a lot and sometimes Nomad gets to come along. =)

We still have kids on the payroll but thankfully the youngest is slated to graduate High School in 2022. Once we get to that point some decisions on his/our part, which will result in us making other decisions. The end goal is to ensure that all 3 kids are on a path (college, working, whatever) that they want to be and pay for that for them. No 5-6 year college plan, they have 4 years on payroll to complete then past that it is on them, but will try to ensure they don’t take on any student debt. After a Bachelors if they want to go on they can work with us but Nomad went to work on a cruise ship to fund his MBA, then later his long term employer funded his Masters in Computer Science so will encourage a similar path for the kids. Middle kidlet found out that the Promise program would pay for 2 years of the local community college so she and the older daughter are both going there, the son is being ‘encouraged’ to do the same then transfer to a 4 year once they figure out what they like and would like to do for a career.

We have a lot of opinions about the FIRE movement, think it’s a cool concept but that one has to also factor in reality, so will spend some time on the topic. Love the FI part of it but the RE (retire early) usually means changing from one type of income to another, this is great when you are young but for the most part, means somewhat limiting other parts of life such as marriage and kids and future financial independence. If that works for you go forth and conquer but PLAN this well or you may regret the choice in your later years. No-one but you is responsible for your financial future, certainly not the government.

One of our favorite things to do for entertainment and education is listening to audiobooks and podcasts. These allow one to do a number of different things while continuing to learn. Walking, hiking, doing chores, sitting on a bus/boat/plane and not have to carry around a book or a number of books. Weight (or lack thereof) while traveling is crucial and having digital resources reduces weight. Our audiobook page of the latest titles consumed is here -> Audiobooks

Things have changed of late and new interests have had us focus on other locations. Panama (the country, the one with the canal) has entered into the picture. You can get an idea of what this means at Below a picture and some justification for why we decided to pursue this as a potential future residence. Especially with regard to Covid, this will give us a place away from the masses yet still in a warm and wonderful country.

 Naos Harbour Island view from above

thank you!

the Nomads


Twitter: @RetiredNomads

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