Bonus Nachos

Musings about early retirement with no fixed address

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Chiang Mai Walking Street Markets

Thailand is the king of the night market and Chiang Mai has perfected the art. There are night markets that happen everyday in different parts of the city, but the crown jewels are the Saturday and Sunday Walking Street markets. These popular night markets are filled with tons of food, clothing, jewelry, household goods, trinkets, art, and so much more. They are a fun (and delicious) way to spend an evening. I’ve put together a list of tips to maximize your experience if you visit or to just give you a taste of the experience from afar.

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Winding Down A Whirlwind Year

By any measure, 2019 was one remarkable year. We experienced such drastic changes that the beginning of the year almost feels like a whole different lifetime. The top among these changes was retiring from our jobs at the ripe old ages of 41 and 42. Even though we have only been retired for 8 months, it might as well have been a decade ago. It feels like forever since I stepped foot into a fluorescent lit office partitioned into cubicles. Part of the reason for this distance is that we completely uprooted our lives upon retirement. If we had stayed in the same place but just stopped going to work, it may not have felt as drastic. Instead, we not only quit work, we also sold everything we owned and got on a plane bound for Thailand. Lots of other things happened too.

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A Month In The Green City Of Kuala Lumpur

Kuala Lumpur is a cosmopolitan city with a green twist. The downtown area could be mistaken for Chicago or New York at first glance. It’s full of tall buildings, trendy shopping, and plenty of traffic. Yet despite the gigantic skyscrapers of glass and steel, nature still exists here. The sidewalks often pass by huge trees that were here before there was concrete or asphalt surrounding them. The tropical climate means that everything grows fast while frequent rains keep things clean and green. It’s a city that was literally carved out of the middle of the jungle and it shows.

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Celebrating Christmas In A Galaxy Far Far Away

We left Malacca and arrived in Kuala Lumpur on November 19th. This timing meant that we’ve been able to watch the Christmas decorations go up around the city. Most office buildings and apartment buildings offer festive decorations for the season. They are nothing compared with the displays at the malls though. Even halfway around the world, the Christmas season is synonymous with shopping. Kuala Lumpur is quite a wealthy city, so there are plenty of malls around to decorate. Each one seems to be competing with the others for the best display. I’ve narrowed it down to three finalists.

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The KL Bird Park Is A Hoot

Situated in the middle of Kuala Lumpur’s vast botanical garden is the KL Bird Park. It’s a gigantic free-flight aviary that is home to thousands of different birds. While there are a few cages in the park, the vast majority of the residents at the KL Bird Park are living in an open environment under giant netting. The most noticeable of these are the giant birds like storks, peacocks, and pelicans, but there were plenty of smaller flyers as well. We were in awe of the sheer number of birds flying and walking around. 

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Failing To Find Our Groove In Malacca

On the surface, Malacca appears to be a great destination for us. Despite not being a large city, there are a lot of things to see and do. The historic downtown area is a UNESCO Heritage Site. It has a lively weekend night market. There are a ton of museums. But it seemed like there was always something a little bit off. Despite staying for a month, we were never able to settle into a local living groove and couldn’t wait to leave.

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House Of Museums In Malacca

Historic downtown Malacca is filled with dozens of museums. Maybe it’s due to the fact that there are so many, but most of them seem to leave something to be desired. A lot of them are pretty small, which means the interesting parts (to me) were even smaller. Some of them are poorly laid out and hard to follow. It also seems like they all use creepy mannequins in one form or another. Or maybe they just suffer in comparison to the House of Museums. Despite the generic name and unassuming storefront, this private museum is the best Malacca has to offer.

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Malacca Riverwalk And Street Art

Rolling through the heart of Malacca is the Malacca River. This waterway is one of the main features that has made Malacca, Malaysia a significant trading port throughout history. It narrows near downtown providing a strategic defensive position and there are remnants of antique walls and forts in multiple spots in the area. While no longer needed for defense, the river is still important to the current economy. It’s become a main tourist draw as the city transformed the banks into a renowned riverwalk. Most of the street art in Malacca can be found hugging the river as well. The combination of a traffic-free path and colorful artistry makes this riverwalk a wonderful spot to stroll.

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Front-Loading My Retirement To Fight Sequence Of Returns Risk

In the financial world, front-loading means to invest a large sum early instead of spacing it out over time. (Not to be confused with a front-end load, which is a fee charged by some mutual funds that I would never invest in.) For example, I could front-load my IRA contributions by investing the $6000 maximum in January each year as opposed to contributing $500 per month. Or I could front-load my 401k by contributing more than $1583 per month, reaching the $19,000 yearly maximum before the end of December.

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Going To The Dentist In Malaysia

On each side of the river that meanders through downtown Malacca is a nice walking path. Scattered amongst the cafes, restaurants, and street art that adorn this walkway are signs with public service announcements. These offer encouragement for people to be healthy and active by touting the benefits of walking. I’ve learned that by walking only a few times a week, I can avoid diabetes, heart disease, and even mental decline. While the claims made by these banners might be a bit overstated, they serve as a good reminder to continue to take care of my health. After all, I’m not on vacation here. This is my regular life, and while it may be exotic, it still comes with all of the same requirements for healthy living. It had been 6 months since my last dental checkup, so I booked an appointment for my first cleaning while living abroad.

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