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fire movement reddit

Obviously there are/were issues even without FIRE, but it's massively exacerbated them and left me wondering where to go next. @The Frugal Joker, It could be that mind set but it doesn’t need to be.

Sad that it’s that blustery “stunt” style that so often works with people. Nor is there a moral component to dedicate our free time to the things that really matter. Married to a Swabian I saw the Suze Orman interview and I’m so glad you debunked her thesis. When it comes to basic brain mechanics, and thus everything the brain begets (cognition, emotion, stress, mental health more generally, etc and so on), Exercise and Sleep are the two most powerful tools you’ve got at your disposal for brain health.

I’ve been cooking every day and eating healthier/better than ever.

Is there anyone in the neighborhood I could walk with? It turns out due to a combination of things (mostly luck with stocks, crypto and property) I wasn't too far away from my retirement number. We are both 30, and currently estimate we will be financially independent by 45. It would be very easy to lose motivation to save with such little progress. it’s not a matter of striving for ignorance, but i’ve removed a lot of the stimulus that used to have me chasing down links for hours at my desk or at home during supposed down time. I agree with the other points about flexibility and the solid math behind FIRE, especially with conservative withdrawal funding a reasonable (not bare bones) budget.

But she shouldn’t knock people who don’t care to work their asses off in jobs they don’t like until they’re 70-years-old. November 2, 2018, 9:42 pm. Regarding media, it’s kind of like what Drew Carey used to say on Who’s Line is it Anyway. I certainly could quit to see what happens but I see it as a huge risk for my family who relies on me for stability. October 5, 2018, 12:05 pm. The drone people are starting to wake up!

This is not an uncommon situation among many of my friends, and yes, it tends to end up with the women getting home from work and immediately having to launch into a second shift of house work.

I find it interesting (and sad) that so many people disparage the idea of frugality, saving, and the FIRE movement. Sounds great!

I think NOT pursuing financial independence is risky. He labels it a myth and then comes right out and says that returns have been great over the last 10 years. Considering I just got back from a yoga trip to Mexico and connected with some truly great people, I could only ask what on Earth he was talking about! I recently found out about the FIRE movement and have been reading blogs and listening to different podcast since January. The goal is always happiness. I was hoping the MMM signal would fly and draw the mustache himself into the fray to dispel such foolishness.

But, it is highly dominated by white people working in high income professions. I remembered reading it when I went back to the link Eddie provided. apart from simply cleaning the containers. Like science itself, it’s not a dogma or a religion, but more of a self-aware system that invites questions and experiments. How much can I afford to borrow to buy the house that we “need”. At the opposite end of the scale, earning more income will rarely solve your financial problems: most high-income people are still within just a few paychecks of insolvency, because it is possible to blow almost any paycheck, simply by adding or upgrading more cars, houses, and vacations. Early retirement is in reach even for lower-middle class single income families; it all comes down to the choices you make and the lifestyle you are willing (or unwilling) to live.

I’m allowed to leave work if I want to raise kids, but if I decide that I want to pack it in, travel, then do something else I am not allowed? FWIW, a study quoted long ago in NYT said the only similarity between widely varying cohorts of successful teens was : they ate at home with a concerned adult/s, mostly every day.

My wife and I finished up a vacation in June where we went from southern Indiana to California. In these past months I've done a lot of research into alternative career paths, side hustles, free lancing, etc. Financial independence?

I kept telling them how they could be financially independent. “We’re in a society that values capital more than labor,” Mr. Long said. She specializes in divorce, death, career changes, and caring for aging relatives.

And we weren’t just thirtysomething white male tech workers anymore, we were women and men of all ages and professions in all different countries, absorbing blogs and podcasts from a thousand different sources. How do inaccuracies or flat out negativity effect you or other adherents of simple living? But if you can live on $24,000 per year, as some FIRE community members strive to do, you could retire with just $600,000 saved. But I’m not exactly happy commuting to work for 90 mins a day on a sweaty, smelly, stuffed subway that rarely runs on time, or at all.

I haven’t been an employee myself in about 9-1/2 years – and I now have skills and insights (financial and non-financial alike) that I NEVER would’ve developed had I remained on the conventional path. “It’s definitely not a great feeling, to say the least,” Mr. Richard said.

7: The Only Thing To Fear, is Fear Itself.

This means that you have way more money available to work with.

The topic of AI really annoyed me because my wife and I work in fields where AI is taking a huge role.

How did it work out for you? So, if your magic number is 30k, and you design your portfolio to keep you afloat in bad times, it’s not unreasonable to assume you’ll get closer to 40k in an average market, and the sky is the limit in good times. I would find that so stressful. A ten-dollar expenditure is ten times more of a blow to his finances, and an even bigger portion of his monthly surplus income, if he has any surplus at all. Press question mark to learn the rest of the keyboard shortcuts.

One good point that Suze did make was that some people don’t pay attention to a long-term “enough.” If you live on $20k now with health insurance covered, save 25x, retire, and “all of a sudden” it’s $30k/year expenses… or if you want to do $10k/year slow travel but didn’t include that in your 25x and can’t quite make it up with Airbnb while you’re gone… these are things you should think through before leaving the work force if you’re one of the fortunate high earners.

I just really like your place in town where folks can come meet up, socialize, work, work out and be around like minded people!

In this country, we seem to like everything pre-packaged and spoon fed to us: what pill should I take to fix my health problem? October 5, 2018, 11:45 am. We have 99 problems but money ain’t one. Now, this is great advice.

I know not every person can be involved in every local issue, but ignoring all things local is not the answer.

But to me that stuck out as poor writing. I've even found myself applying for some minimum wage jobs and haven't even heard back regarding an interview. earn more money to pay for any cost shortage, bypass university entirely and simply start a business, move to another state or even country in order to qualify for local tuition rates or more reasonable medical rates. To that, I don’t actually think that most FIREs would object. Ridiculous poopy diapers for sure.

Habit formation is a skill–anyone can learn and use. The Frugal Joker Schermo, I agree.

My comment was more for a person that is single. And the solution is so obvious and easy. Just checked your blog as I was missing good MMM stuff and boom☆ another fantastic article. We're a countermovement against materialism and consumerism, like the original culture of r/financialindependence before the consumerist posters flooded in from the increased popularity of r/personalfinance. On the same token, I've grown to really relax about hitting a FIRE target because I'm so much happier on a daily basis than when I was reporting to a boss, having dumbass meetings and conference calls about things that meant nothing to me, and worrying about arbitrary shit like being in the office/logged on, etc. I retired at 45 using the original Your Money or Your Life, starting in the mid-90s buying treasury bonds. Cubert gets a smile here. Don’t just drink the koolaid. All it takes is a job loss or a project switch to change that.

Think about what you, yourself wrote.

Sarah: I wish more people would realize what you are experiencing.

We will have enough in our retirement accounts to live off of the interest once we reach 60 until death.

Just finished the podcast, Paula Pant covers all of this way better than I could once Suze Orman signs off. Or, you can spray money in every direction randomly, trying to meet an unfiltered list of wants and needs, and end up with a random but very expensive life, while remaining almost broke throughout the entire thing.

I finally had some time to listen to the actual podcast and it’s like she’s halfway there and is getting hung up on semantics. This sounds like the scene in the Woody Allen movie where he and the character played by Diane Keaton are describing their sex lives to respective therapists.

We could go into a big debate on the wisdom of putting all of your money, or most of it, in one or a small number of funds.

For example, as a team my son and we parents could easily: These are just a few ideas.

With this in mind, which of these activities is more risky? But you can accomplish this with a $2500 per month personal trainer or a $100 set of barbells from Craigslist.

Yep! Keep up the good work. Learning to live with less helped me transition into mustachianism quite well.

The FIRE community would argue that the S&P 500 increases by about 10% per year on average, and diversifies your portfolio by giving you ownership of 500 large-cap American stocks with one simple investment purchase.

The everyone-else-is-going-it types. FIRE is a way of life and a growing movement that is spreading across the globe and being embraced; not because people suddenly love budgeting and personal finance but because FIRE provides hope.

My hope is that by being self-sufficient ourselves, we are in a better position to help out other people who really need it.”, Ms. Shen and Mr. Leung are similarly sanguine about their continued future as millennial retirees, though they are making lifestyle adjustments. At first I thought that you couldn’t do this unless you had no kids and a high paying job, but that just isn’t true.

They find better ways to live and work, and often the norms begin to gravitate towards them.” — David Cain, So I guess I’m in somewhat of an struggle. But does it mean you won’t work hard at things that are important to you, for the rest of your life?

Hope many youngsters will listen to you. But a game changer for us about 6-7 years ago was to build in about $80 per month for each of us as “blow” money…no accountability at all required. I’m a woman walking alone, so I have some things to consider. She’s always going to spend on stuff you don’t value, just as you spend on stuff she doesn’t value. We have two cars, but I walk to work every day (under a mile – I know, I am lucky) and most of our grocery runs our by bike (2.5 mi).

October 22, 2018, 9:03 pm. I haven’t bothered to set aside any money for this part of his education, because we already had way more than enough before he was born! http://www.mrmoneymustache.com/2012/12/26/cure-yourself-of-tiny-details-exaggeration-syndrome/.

Ron S you kidding me?

So I’m going to close my cushypants-Apple laptop and go feed the chickens and rabbits.

The idea that you can get some part time work when shit hits the fan in your portfolio is often ill advised. I even was able to take unpaid leave from work to be with him during his treatment, and he’s getting well.

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