Tag Archives: early-retirement

How Much Did the First 24 Hours in Omaha Cost?

We’re one full day into our first “slomad” journey and are settling into our new home in Omaha, Nebraska. I get a lot of questions about costs, and, even though we’re renting furnished places, I’ve also been curious about what unexpected expenses might pop up during these moves. So here’s a breakdown of everything we spent in our first 24 hours in Omaha:

Lodging

We pulled into town around noon and moved into our place. It’s a fully furnished, utilities-included two-bedroom apartment right on the edge of the Old Market neighborhood in downtown Omaha. At $1,500 a month, that comes out to about $50 per day of lodging.

Exercise

A couple of blocks away, we checked out the neighborhood YMCA. Our building has a decent workout room, but Katie and I swim a lot and we wanted access to a pool, plus classes and the chance to be social. I bargained away the joining fee by agreeing to pay the first month up front. For both of us, with full access to every YMCA in the region, it’s $75/month—or $2.50 for the first day.

Library

On the way back, we ducked into Omaha’s downtown public library. It was spacious, modern, and definitely a place we’ll return to when we want a work spot outside the apartment. We signed up for cards for $0 and now have access to meeting rooms, printers, copiers, and, of course, endless digital and physical media.

Household Goods & Groceries

Our next trip was to grab some household essentials and groceries. Honestly, I was worried we’d need a lot, but the apartment was remarkably well equipped.  They even gave us starter sets of consumables like paper towels, soap, and laundry detergent. That said, we still picked up a Brita filter, a laundry basket, a drying rack, and a few other upgrades, most of which will stay behind when we move out.

  • Groceries: $52
  • Household odds and ends: $121 → amortized over our stay: $1.15 for day one

Dinner Out

By the time we finished shopping (and skipped lunch), we were starving. Friends had suggested Pizza Ranch, a buffet I was skeptical of until we tried it. Yes, it’s family-friendly, but the food was solid: salad bar, pizza, fried chicken, dessert, the works. Maybe more than we should have eaten, but worth it 🙂  $37 for the two of us.

Free Fun

The next morning, I used the new gym membership, then Katie and I took a long walk around downtown, hung out at a park, and even tried out the public hammocks. Cost? $0

Day One Total: $152.15

So, what did we learn?

  • Furnished rentals can save big money. Filling a place from scratch adds up fast; Furnished Finder has already proven cheaper and easier.
  • Hidden costs still pop up. Even with a well-stocked apartment, there are always “little” things you want—like a water filter or a laundry basket—that need to be budgeted for.
  • Entertainment doesn’t have to cost much. Libraries, parks, and neighborhood walks are free, and they’re going to be a bigger part of our lifestyle as we check out different locations.
  • Life has a baseline cost. A chunk of this spending—food, exercise, even some household items—would have happened whether we were home or traveling.  Too often we look at all travel expenses as additional money out of pocket, but if I am buying groceries here, I am not buying them in Texas.  Even the monthly YMCA expense just replaces a gym membership that we cancelled last week.

When you look at it that way, traveling isn’t necessarily more expensive than staying put. In fact, with the right planning, it can be cheaper and a lot more fun.

Of course this was just day one in Omaha. We’re curious to see how the averages shake out as the days and weeks go on, but so far, the experiment looks promising 🙂

Zero-Based Thinking: What’s Right for Today?

I was recently listening to a ChooseFI podcast where Alan and Katie Donnegan talk about a concept they call zero-based thinking—the idea of asking yourself:  “Knowing what I know now, would I make the same decision today?”  It’s a powerful way to fight the sunk cost fallacy—the tendency to hold on to something just because of the time, money, or energy you’ve already put into it. Instead, zero-based thinking challenges us to re-evaluate our choices based on current circumstances, not past ones.  It got me thinking about how Katie and I have tried to transition our mindset in this way as we move into our “slomad” stage of life.

Not long ago, Katie was really surprised when I mentioned trading in the Camry she thought I “loved.” And to be fair, when I bought it, it was the perfect fit for me: reliable, fuel-efficient, comfortable, and spacious enough for long solo commutes through downtown Dallas.  Same for her minivan.  A van with third row seating, leather seats and built in DVD player?  Perfect for young kids and road trips… ten years ago.  But today? Our lifestyle has changed. What once felt essential now feels excessive. Zero-based thinking forced me to ask: If I didn’t already own these cars, would I buy them today? The answer was no, so we made changes.

Our house is another example of this principle. When we purchased it, we had young kids and jobs in the local schools. The location was perfect—between the elementary and junior high, right next to the neighborhood pool, and just a few miles from work. The four bedrooms and converted playroom suited our family perfectly.  Fast forward to today, and our needs aren’t the same. The house still holds memories, but practically speaking, it’s way larger than we need and tied to a location and a lifestyle that no longer reflects who we are.  Zero-based thinking asks: If we were house shopping today, would this be the right fit for us?

This mindset also applies to finances. The way we invested during the accumulation phase of life was appropriate at the time—maximizing growth, taking on risk, and planning for the long haul. But as we enter the drawdown phase, the question changes. If I had our net worth in cash right now, would I buy the same investments? Probably not. My risk tolerance and goals have shifted and my investments should follow.

Zero-based thinking doesn’t mean abandoning every past decision. It just means holding your choices up to the light of your current reality. The car, the house, the investments—they all made sense once, but the people we were then aren’t the people we are today (and definitely not the people we’ll be tomorrow).

Maybe the best philosophy is this:  Strong convictions, loosely held. Believe deeply in your choices when you make them, but be willing to release them when you have new data or they no longer serve you in other ways.

So what about you—what’s one area of your life that could use some zero-based thinking?

Stuff: The Other Four-Letter Word

We’ve lived in our current home for twenty years. That’s two decades of books, birthday gifts, holidays, hobbies that didn’t stick, and random purchases that “might” come in handy… someday. Katie insists that compared to many of our friends, we’re practically minimalists—either because I’m too cheap to buy things in the first place or because I lack any sense of style when it comes to decorating.  If you know me, you know it’s probably both 🙂 

Still, two decades in one place adds up for anyone. And when you have a house, you have room to let things pile up. As George Carlin famously said, “A house is just a place to keep your stuff.” He had other words for stuff, but you get the idea. Now that we’re planning a life without a permanent house, we’ve had to confront a scary truth: something has to be done with all this “stuff.”

There are a lot of popular theories on the best way to downsize:

  • The Marie Kondo method: Does it bring you joy? (Spoiler: most of my stuff just brings me confusion.  What if I go back to a job I last held 15 years ago?  I might really want that…)
  • The one-year rule: If you haven’t used or worn it in the past year, it’s out.
  • The Storage Bin Challenge (my personal, unpopular idea): Everyone gets one big bin to keep items they value.  No-questions-asked. Then we swap rooms and decide what’s valuable in each other’s piles and throw EVERYTHING else away. This, I argue, removes the emotional attachment and speeds up the process. The family disagrees. Strongly.
  • The fire test: If the house burned down, would I pay to replace this?
  • If you didn’t think the fire test was dark enough: If I passed away, would the person cleaning out my house find any value in this?

For now, we don’t have to actually decide on everything. We’re keeping the house for our first year of nomadic travel, partly as a home base and partly as a very expensive storage unit. But just prepping for our older son to rent it this year has forced some tough decisions and a lot of trips to Half Price Books and the donation center.

So, what works for you? If you’ve downsized, what’s your secret weapon for letting go of stuff? Because one thing’s for sure—if this slow-travel adventure works out, we’ll need to learn the art of living with less.

Why Are We Slow Traveling the U.S.?

One of our family goals was to get both boys to all 50 states before they were out of the house.  Sadly, circumstances (Link to other article) left Katie the boys stuck at Forty-nine.  That is still an accomplishment, but instead of scratching that off our list and settling into a “normal” retirement routine now that the kids are grown, we’ve decided to hit the road again— just a little differently this time.  We’re not tourists anymore.  Now we’re test-drivers. 

Texas has been great for us.  We got degrees, raised a family, had careers here.  It has never really felt like home to Katie, though.  And just because we live here now, that doesn’t mean we have to live here forever.  Maybe we will want our forever home to be in a cooler climate, so we don’t have to hide in the AC for 4-5 months a year?  Maybe we want actual elevation changes?  Trees?  Maybe fewer extremes… in weather and in political climate? 😊

Wait, You’re Not Traveling Internationally?

Nope — not yet.

Sure.  My FIRE people, the travel blogs, Instagram reels… everyone seems to be sipping espresso in Italy or eating $1 pho in Vietnam. And with Katie being a fluent Spanish speaker (and me speaking like at least a third grader), Central and South America seem like a natural fit.   We’re all for exploring those options… eventually. But for now, we’ve made a conscious choice to look domestically. Why?

1. Consulting work – I’m still doing some consulting, and it’s just easier to manage from within the U.S.  Travel, time zones, Zoom calls, internet reliability — it’s not glamorous, but it’s real life and it helps fund the adventure and minimize sequence of returns risk at the start of our early retirement.

2. Scouting our “forever home” – We don’t just want to travel for the sake of movement. We’re on a mission. We’ve done the tourist version of all 50 states, but now we want to live in them — or at least in some of the top contenders.

3. Logistical simplicity – No visas, no long-haul flights, no currency exchanges, and no language barriers. Plus, we can bring more stuff, cook in our own kitchen, and drive our own (new) car along the way.

Why 2–4 Month Stints?

At this point we think that staying at least two months is going to be our sweet spot.  Both of us have travelled a lot for short trips for vacation or business.  That wasn’t enough for a real look at different areas, though.

Month one is for figuring things out — Where the best grocery store is, how the weather really feels, can Katie get decent Mexican food, and how far the walking trails are from home.

Month two (and more) is when we settle in and get to know the rhythms. We will notice things like traffic patterns, neighborhood personalities, and whether the town actually has a good community feel or just good PR.

What We’re Looking For in a Home Base

We’re not just looking for postcard beauty or an affordable zip code (though those don’t hurt).  We’re looking for:

·   – A manageable cost of living

·   – Mild-to-moderate seasons

·   – A sense of community

·   – Access to nature without being hours from an airport with good connections

·   – Solid healthcare options

·   – Bonus points for walkability, water access, and a good public library system

The Unsexy Side of Domestic Slow Travel

Is it always going to be dreamy? Of course not!

Finding decent mid-term rentals has been tricky, especially with the rise of AirBnb fees (Link) and leases that either want a weekend stay or a full year commitment. We’ve had to get creative using furnishedfinder.com, Facebook groups, and even reaching out directly to landlords.

We also have to be careful not to just “vacation” our way through this. This isn’t about tourist attractions, restaurants, and photo opportunities.  It’s about real-life living — doing laundry, getting oil changes, finding the nearest urgent care.

And honestly, there’s going to be some emotional fatigue in packing up and starting over every few months. It will be especially problematic this Fall when my consulting schedule is a lot heavier than we had originally planned.  But we will balance it with some slow days, outdoor time, and the occasional indulgence.

What’s Next?

We’ve got a few areas on the shortlist already, largely based on my work schedule.  Omaha, Myrtle Beach, Seattle, etc.  Eventually, we might dip our toes into international waters. But for now, we’re looking forward to roaming America’s backroads, main streets, and regional gas station chains — one stay at a time.  And who knows? Maybe the next stop will end up feeling like home.