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Our Early Retirement Journey: Two Years of Growth, Adventure, and Learning

Greetings from sunny Florida! It’s hard to believe that nearly two years have passed since our last blog update. Our early retirement journey has been nothing short of fascinating, and we’re excited to share our experiences with you. We hope our story continues to inspire others to pursue their best lives!

From Pennsylvania to Florida: Our Unexpected Move

When we retired from our corporate jobs in the summer of 2019, we had a loose plan: spend some time in Europe, return to Pennsylvania, and eventually make our way to Florida. Little did we know how quickly that timeline would accelerate.

After a beautiful European adventure through Belarus, Lithuania, and Spain, we settled back in Pennsylvania for the winter of 2019. Our initial plan was to stay there long-term, using it as a home base for extended travel. However, the events of early 2020 prompted us to reconsider.

As the world changed around us, we realized that Florida aligned better with our values and desired lifestyle. By October 2020, we had purchased a home and settled into our new life in the Sunshine State.

Finding Our Dream Home in North Port

Our house-hunting journey was a whirlwind. The real estate market was moving quickly, and we knew we had to act fast. After missing out on our first choice, we found a perfect 3-bedroom home built in 2016 on a quarter-acre lot.

With the help of my mother-in-law’s video tour, we made an offer sight unseen. After some negotiation, we secured the property for $249,900. It was a leap of faith that paid off beautifully.

early retirement journey

Making Our House a Home

While our new Florida home was nearly perfect, we made a few upgrades to truly make it our own:

ImprovementDescriptionImpact
FlooringReplaced carpet with vinyl planksEasier maintenance, modern look
LanaiExpanded and enclosed with bug screenIncreased living space, bug-free outdoor area
GardenCreated vegetable garden with raised bedsFresh produce, hobby, self-sufficiency
Fruit TreesPlanted various fruit treesLong-term food source, improved landscaping
IrrigationInstalled automatic irrigation systemTime-saving, consistent plant care

These improvements have transformed our house into a haven that perfectly suits our lifestyle.

early retirement journey
The covered lanai to protect us from rain and bugs. It’s a nice space for entertaining and watching the afternoon rain. This is one of our happy places.
early retirement journey
The uncovered side of the lanai. We have found a home for the retirement hammock here.
early retirement journey


One of eight raised beds we have in our garden.

Embracing the Florida Lifestyle

Living in Florida has exceeded our expectations. The laid-back Gulf Coast vibe, friendly neighbors, and abundance of outdoor activities have made our transition seamless. We’ve made numerous friends and found a welcoming community that aligns with our values.

early retirement journey

Our daughter, Yuna, is thriving here too. She’s made many friends and is growing up in an environment that fosters independence and creativity. We’re committed to providing her with an education that meets her unique needs and interests, emphasizing self-sufficiency and critical thinking.

Our Evolving Investment Strategy

As we settle into our early retirement, we’re continually refining our investment approach. In future posts, we’ll dive deeper into some unconventional vehicles we’re exploring—strategies that many early retiree bloggers aren’t discussing.

Looking Ahead: The Future of Crucial Wealth

Crucial Wealth is more than just a blog—it’s our bridge to a global community of like-minded individuals seeking financial independence and a fulfilling life. As we continue to grow and evolve, we’ll be sharing more articles, insights, and personal experiences.

We’re excited to nurture Crucial Wealth like we do our garden, allowing it to flourish and take on its own unique personality. Our goal remains the same: to inspire and motivate others to live their best lives, achieve financial independence, and embrace the journey of personal growth.

early retirement journey
Super sweet passion fruits from our backyard! Simply cut them in half and eat the pulp and seeds with a spoon.

Thank you for being part of our community. We can’t wait to share more of our early retirement adventures with you!

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José

José concluded his distinguished 13-year career at Vanguard at age 44, stepping away from corporate life to embrace an early retirement. As a project manager, he expertly orchestrated the creation and delivery of educational materials—both digital and print—for 401(k) participants, ensuring resources reached millions of investors. Today, he embraces life's simpler pleasures: quality time with family, pursuit of passion projects, discovery of new adventures, and leisurely meals in his garden oasis.

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Jana
2 years ago

How wonderful to see you writing again!!! I love the update and can’t wait to see what will happen next.

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