Author Topic: Say Hi and Introduce Yourself  (Read 577938 times)

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #1550 on: August 13, 2014, 06:34:55 PM »
Hey I'm Alex, 23 yr old male, Detroit Metro area, and single. Been lurking and reading the blog for less than a year, but taught to be a saver by my mom :)

I started working as a consultant for a software company based in the area just over one year ago. 70-90% of the time I'm traveling all over the US all expenses paid, which kind of makes this the perfect Mustachian job: low personal expenses + high income = really high % savings rate.

I graduated with my bachelor's degree at 20 years old with no student loan debt at all. The first 2 years of my career weren't the greatest from an income standpoint but this job has accelerated my ER plans big time. I reached $100k net worth on June 15, 2014. Yay!

I figured it was time to stop lurking and actually talk once in while :)

Welcome!! I have to ask what you do as a home base if you are travelling 90% of the time? Methinks there are some awesome savings to be had there. :-)
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stlbrah

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Re: Say Hi and Introduce Yourself
« Reply #1551 on: August 13, 2014, 08:39:16 PM »
I am Jeff.

I came across this forum from an article on marketwatch.

I am a network engineer in the IT field and live in a low cost of living area. I enjoy my work, but I feel that I would enjoy it more if I didn't depend on the paycheck.

I have always been a bad spender, but after I spent money I always felt bad about it. I was kind of brought up with the mindset to work hard and buy nice things with the profits, but I never cared much for the things I bought, and most just created more work for myself (examples: hot tub, german car, modern-fitting clothes that are outgrown easily as a weightlifter). I knew there had to be a better way so I started researching investments. If I had this mindset since I got out of school at 20 years old I don't even want to know how much my net worth would be now, but I still feel fortunate to have got into hardcore saving at 25 (im 26 now rather than 10 or 20 years from now.

My portfolio is basically 17,500/year into 401k which I picked a blend of index funds about 90% stocks and 10% bonds. Mostly s&p 500 index. I have a taxable account too with stock and bond funds, and a reit fund, and  some savings in a high interest savings account which I am holding until a better time to jump into the market w/ it. I also have some equity in my condo which I won't sell for a while.

I'm always looking into new ways to invest and save money so I finally made an account.

dragon

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Re: Say Hi and Introduce Yourself
« Reply #1552 on: August 13, 2014, 11:10:55 PM »
Hi,

I'm Dragon.  I love the idea of retiring early.  My wife doesn't get it.  We have 2 small kids, are in our late 30's.

We have always done a good job of saving (maxed on 401k, Roth); live in a house we can easily afford; drive older cars.  Neither of us grew up with a lot of money.
In the last few years though, as my income has increased, I've allowed our lifestyle to increase: new car, private school, summer camps every week for the kids, 25 cases of good wine in my home, eating out, lots of travel...

I've been reading the blog for 3 weeks now, and we've done the following:
Bought bikes for everyone - I haven't driven my car in the 2 weeks since we got our bikes (80 miles on them so far)
Cut out unnecessary insurance (removed LTD, lowered the term life policy, removed UM auto coverage) - this was 4,000 in annual savings with 2 phone calls.
Going to the Library for books now (Food Rules, The Life you can Save); learning to use Cragslist.

Now we are attacking the discretionary expenses that weren't tracked very well.  I'm trying to spend as little as possible in the month of August (no eating out, no Amazon purchases - just because something looks cool).

I make good money, and based on the first draft of an adjusted budget, I think we can get savings to be 75-80% of income this next 12 months.
With the stash we already have, I think we can be FI in 2 years.

I have a teaching job on the side (online course), so I plan on continuing to do that for a few years.  It's only about 300 hours of work a year, but more than covers our new expense level; so I could let the stash grow untouched for a while.

I'm looking forward to having time to volunteer, spend more time with the kids, sit around and contemplate, read, cook more; travel more (in a frugal way), and maybe become half as handy as MMM.  I'll be glad to have the stress of a job removed.

It's no understatement that this site is going to be life changing for my family and I.

-dragon

Franakapan

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Re: Say Hi and Introduce Yourself
« Reply #1553 on: August 14, 2014, 04:26:28 AM »
Hey folks,

My name is Sam and I hale from the valleys of Wales in the UK. I'm 25, on £16k a year and have about £15k in cash sat in a low interest bank account (soon to be rectified) and I have maybe £18k in student loans. My expenditure is generally very low with my main expense being fuel/car for my 36 mile round commute. My mother is very frugal and both parents are very responsible when it comes to financial dealings and this has definitely rubbed off somewhat!

Now that I do have some spare cash, and after buying a new second hand car, I'm looking to invest the majority of it. I'd like to achieve financial independence as soon as humanly possible as the thought of working in an office for the rest of my life fills me with dread! I've got a few ambitions - such as building a tiny house and buying a few acres of land - but that can wait for now.

Anyway, it's good to be here and, as I'm relatively new to all this, I look forward to reading as many forum posts as I can in an effort to get my FIRE plan established and under way.

Cheers,

Sam

YoungConsultant

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Re: Say Hi and Introduce Yourself
« Reply #1554 on: August 14, 2014, 07:51:14 AM »
Hey I'm Alex, 23 yr old male, Detroit Metro area, and single. Been lurking and reading the blog for less than a year, but taught to be a saver by my mom :)

I started working as a consultant for a software company based in the area just over one year ago. 70-90% of the time I'm traveling all over the US all expenses paid, which kind of makes this the perfect Mustachian job: low personal expenses + high income = really high % savings rate.

I graduated with my bachelor's degree at 20 years old with no student loan debt at all. The first 2 years of my career weren't the greatest from an income standpoint but this job has accelerated my ER plans big time. I reached $100k net worth on June 15, 2014. Yay!

I figured it was time to stop lurking and actually talk once in while :)

Welcome!! I have to ask what you do as a home base if you are travelling 90% of the time? Methinks there are some awesome savings to be had there. :-)

Boy, that's a long story haha. But here it goes:

When I first moved up here I purchased a membership in a co-op that allowed me to live in an apartment for $390/month with gas and water included. In the beginning I was still in training/not traveling so I definitely needed a permanent home since I refused to commute an hour and a half from Toledo, OH. Unfortunately, some of the younger friends of mine that I made after I moved caused the elderly neighbors to complain one too many times about noise and the board of directors at the co-op voted to revoke my membership. I received my equity back but after I moved out in March this year I still had to pay the $390 carry cost per month until June 2, pro-rated. I didn't want to pay for two apartments at once so I moved my stuff into storage and moved in with friends. I actually "moved" three times due to incompatible personalities. as of right now, I am staying with some guys I know on the weekend for free/cheap while I travel Sunday-Friday.

So to answer your question, as of today my home base is "voluntary homelessness" where I live out of the trunk of my car and visit friends on the weekend :)

This month, my monthly "housing" cost has been $81 for my storage unit and I paid for a PO Box for 6 months for mail back in March. I didn't owe my friends rent this particular month because I have had back-to-back trips. Unfortunately, traveling week after week after week is not guaranteed, and my friends don't have hot water, therefore I am looking to buy a house. I would much rather pay $400-500 combined for mortgage, property tax, and home insurance instead of renting a apartment for $600-$800 in the Detroit suburbs. And it will be much nicer than those apartments :)

But you're right about those cost savings. When I had my apartment, all I paid was a little bit of electricity for the refrigerator when I'm gone. Otherwise, I used the cable, wifi, free breakfast, etc at the hotels ;) The lowest electric bill I was able to squeeze out I believe was like $15.

I barely spend any of my meals per diem I receive, and I've turned my old used car into a big profit center by collecting $0.565/mile in reimbursement if I travel by car instead of plane. (when I'm allowed to). and it goes without saying that I collect flyer miles and hotel points. Although I had to use the hotel points occasionally when I didn't have anyone to stay with. The voluntary homelessness idea can be lucrative when the stars align, but after couch surfing for 5 months I'm ready for stability again. Might as well get a small house and build equity.

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #1555 on: August 14, 2014, 09:15:06 AM »
Hey I'm Alex, 23 yr old male, Detroit Metro area, and single. Been lurking and reading the blog for less than a year, but taught to be a saver by my mom :)

I started working as a consultant for a software company based in the area just over one year ago. 70-90% of the time I'm traveling all over the US all expenses paid, which kind of makes this the perfect Mustachian job: low personal expenses + high income = really high % savings rate.

I graduated with my bachelor's degree at 20 years old with no student loan debt at all. The first 2 years of my career weren't the greatest from an income standpoint but this job has accelerated my ER plans big time. I reached $100k net worth on June 15, 2014. Yay!

I figured it was time to stop lurking and actually talk once in while :)

Welcome!! I have to ask what you do as a home base if you are travelling 90% of the time? Methinks there are some awesome savings to be had there. :-)

Boy, that's a long story haha. But here it goes:

When I first moved up here I purchased a membership in a co-op that allowed me to live in an apartment for $390/month with gas and water included. In the beginning I was still in training/not traveling so I definitely needed a permanent home since I refused to commute an hour and a half from Toledo, OH. Unfortunately, some of the younger friends of mine that I made after I moved caused the elderly neighbors to complain one too many times about noise and the board of directors at the co-op voted to revoke my membership. I received my equity back but after I moved out in March this year I still had to pay the $390 carry cost per month until June 2, pro-rated. I didn't want to pay for two apartments at once so I moved my stuff into storage and moved in with friends. I actually "moved" three times due to incompatible personalities. as of right now, I am staying with some guys I know on the weekend for free/cheap while I travel Sunday-Friday.

So to answer your question, as of today my home base is "voluntary homelessness" where I live out of the trunk of my car and visit friends on the weekend :)

This month, my monthly "housing" cost has been $81 for my storage unit and I paid for a PO Box for 6 months for mail back in March. I didn't owe my friends rent this particular month because I have had back-to-back trips. Unfortunately, traveling week after week after week is not guaranteed, and my friends don't have hot water, therefore I am looking to buy a house. I would much rather pay $400-500 combined for mortgage, property tax, and home insurance instead of renting a apartment for $600-$800 in the Detroit suburbs. And it will be much nicer than those apartments :)

But you're right about those cost savings. When I had my apartment, all I paid was a little bit of electricity for the refrigerator when I'm gone. Otherwise, I used the cable, wifi, free breakfast, etc at the hotels ;) The lowest electric bill I was able to squeeze out I believe was like $15.

I barely spend any of my meals per diem I receive, and I've turned my old used car into a big profit center by collecting $0.565/mile in reimbursement if I travel by car instead of plane. (when I'm allowed to). and it goes without saying that I collect flyer miles and hotel points. Although I had to use the hotel points occasionally when I didn't have anyone to stay with. The voluntary homelessness idea can be lucrative when the stars align, but after couch surfing for 5 months I'm ready for stability again. Might as well get a small house and build equity.

I was hoping it was something like that. Glad to have you here.
Join the cycling challenge!
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YoungConsultant

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Re: Say Hi and Introduce Yourself
« Reply #1556 on: August 14, 2014, 09:27:39 AM »
Hey I'm Alex, 23 yr old male, Detroit Metro area, and single. Been lurking and reading the blog for less than a year, but taught to be a saver by my mom :)

I started working as a consultant for a software company based in the area just over one year ago. 70-90% of the time I'm traveling all over the US all expenses paid, which kind of makes this the perfect Mustachian job: low personal expenses + high income = really high % savings rate.

I graduated with my bachelor's degree at 20 years old with no student loan debt at all. The first 2 years of my career weren't the greatest from an income standpoint but this job has accelerated my ER plans big time. I reached $100k net worth on June 15, 2014. Yay!

I figured it was time to stop lurking and actually talk once in while :)

Welcome!! I have to ask what you do as a home base if you are travelling 90% of the time? Methinks there are some awesome savings to be had there. :-)

Boy, that's a long story haha. But here it goes:

When I first moved up here I purchased a membership in a co-op that allowed me to live in an apartment for $390/month with gas and water included. In the beginning I was still in training/not traveling so I definitely needed a permanent home since I refused to commute an hour and a half from Toledo, OH. Unfortunately, some of the younger friends of mine that I made after I moved caused the elderly neighbors to complain one too many times about noise and the board of directors at the co-op voted to revoke my membership. I received my equity back but after I moved out in March this year I still had to pay the $390 carry cost per month until June 2, pro-rated. I didn't want to pay for two apartments at once so I moved my stuff into storage and moved in with friends. I actually "moved" three times due to incompatible personalities. as of right now, I am staying with some guys I know on the weekend for free/cheap while I travel Sunday-Friday.

So to answer your question, as of today my home base is "voluntary homelessness" where I live out of the trunk of my car and visit friends on the weekend :)

This month, my monthly "housing" cost has been $81 for my storage unit and I paid for a PO Box for 6 months for mail back in March. I didn't owe my friends rent this particular month because I have had back-to-back trips. Unfortunately, traveling week after week after week is not guaranteed, and my friends don't have hot water, therefore I am looking to buy a house. I would much rather pay $400-500 combined for mortgage, property tax, and home insurance instead of renting a apartment for $600-$800 in the Detroit suburbs. And it will be much nicer than those apartments :)

But you're right about those cost savings. When I had my apartment, all I paid was a little bit of electricity for the refrigerator when I'm gone. Otherwise, I used the cable, wifi, free breakfast, etc at the hotels ;) The lowest electric bill I was able to squeeze out I believe was like $15.

I barely spend any of my meals per diem I receive, and I've turned my old used car into a big profit center by collecting $0.565/mile in reimbursement if I travel by car instead of plane. (when I'm allowed to). and it goes without saying that I collect flyer miles and hotel points. Although I had to use the hotel points occasionally when I didn't have anyone to stay with. The voluntary homelessness idea can be lucrative when the stars align, but after couch surfing for 5 months I'm ready for stability again. Might as well get a small house and build equity.

I was hoping it was something like that. Glad to have you here.

Thanks! I'm happy to be here.

Mr. Bullion Beard

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Re: Say Hi and Introduce Yourself
« Reply #1557 on: August 14, 2014, 09:52:27 AM »
Hello all, great to be here :)
Money is gold, and nothing else - JP Morgan

Bose

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Re: Say Hi and Introduce Yourself
« Reply #1558 on: August 14, 2014, 11:36:55 AM »
Hi all, I had looked at MMM a couple times in it's younger days, just ran across it again and decided to try buckling down on the finances and badassity in general.
I've been working my way through the blog from the earliest on up... I've made it up to march 2012 so far.

Single income family, 3 kids, started paying for a house last year.
Finances are in check, but I've been trying to reprogram my happiness scale to be based more on frugality than on convenience.

Sweeping through my finances, putting things in order - currently looking for a decent mini fridge on craigslist to curb my eating-out-for-lunch habit.

Trying to figure out how to gracefully win over my wife to finding joy in more frugal ways.
So far she hasn't been keen on reading the blog, she feels too busy.
Any suggestions?

missj

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Re: Say Hi and Introduce Yourself
« Reply #1559 on: August 14, 2014, 10:20:48 PM »
Hi All. I'm Jacki 33 and make a medium/high salary  with great employer paid benefits
Husband is 39 and self employed. His income fluctuates wildly and he usually gets paid in 2 or 3 big sums per year.  HARD to budget!
Our son is 5 and starts kindergarten in 10 days.  just wrote my last daychare/preschool check!  YEAH!

I've been obsessed with this website for about 24 hours now (though I've always been a saver, budgeter, analyzer, obsesser)

Anyways, I've been saving between 5-20% of my pay since I was 18 with the last several years being in the 20% range.

BUT...I've been lazy and overspending on luxury and convenience items, and I have car loans, and a mortgage.....

got a lot to do but I've already started...

so far in the last 24 hours I've made these changes:

1) cancelled Hulu Plus savings $8 month
2) cancelled Audible.com savings $15 month
3) paid off all my credit cards down to zero from my emergency fund
4) pledged never to carry a credit card balance again

next step: look at moving my investments out of Edward Jones and into Vanguard.

SimpleGuy

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Re: Say Hi and Introduce Yourself
« Reply #1560 on: August 15, 2014, 01:49:08 PM »
Hi, my name is Dennis.  Like many others, I've been lurking for some time now (about 6 months).

I'm 34 years old, single, no kids.  I've always been frugal and already had a decent stash (stache?) before I found MMM.  Up until a year and a half ago the only debt I had was student loans.  Then I had an early mid-life crisis and bought a new Toyota 4Runner.  I thought I was going to do a lot of boondocking to explore Alaska and the West when I moved back to the lower 48.  But I think I was trying to be something I'm not or I liked the idea of exploring more than the reality of it or I just couldn't stand having the huge car loan.  Whatever the reason, I was beginning to regret the purchase when I came across ERE and MMM and that sealed the deal.  I had to get rid of the 4Runner. 

So for the past few months I'd been looking at vehicle options.  I had my eye on a 2012 Scion xD and then a 2007 Ford Focus hatchback.  In the end I bought a bicycle.  During the time I was car shopping, I found a new apartment and was able to cut my commute from 4.5 miles to 800 feet.  Even with my original commute, owning a car was probably unnecessary.  Now that I can walk to work, it would be ludicrous.  I have a hard time justifying spending the money on the car purchase, insurance, repairs, gas, and electricity (block, battery, and oil pan heaters in the winter) for what little I would be using it.  I know cycling in double digit sub-zero temperatures wonít be easy but there are people who do it.  I believe fellow mustachian SisterXís husband is one such hardy soul.  I just need to stop being a wussypants and keep my eye on the prize Ė FIRE at 45 (give or take 2-3 years).  So much better than the 62+ I thought I was destined for before I found this website and others like it.     

Next up: sell the 4Runner.   

Thank you all for the information and inspiration.

Piwakawaka

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Re: Say Hi and Introduce Yourself
« Reply #1561 on: August 15, 2014, 05:01:18 PM »
Hello All
My name is Popo la Roux and I am a recent convert to the mustachian way.
Despite being a poor grad student in New Zealand, I am already investing for what I plan to be a 12 year career before FI.
I do not have a car and will not be getting one unless absolutely required
My food bill has plummeted
A day without spending money is a great day for me, and such days are becoming more and more common
Things are going well!

Cheers!
Ambition is for the chronically discontent

Louis the Cat

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Re: Say Hi and Introduce Yourself
« Reply #1562 on: August 16, 2014, 09:31:50 PM »
Hi, I'm actually Mom to Louis the Cat! My husband and I are in our early 30s and have generally evaded the consumer lifestyle (never had a car loan, among other things). I found the blog about 18 months ago and read the whole thing in a couple of months, then sicced my husband on it. We are now thinking of retiring in the next 10-15 years and both being musicians full time (I already am, sort of). We live in Colorado, about 30-40 minutes from the MMM family with 3 cats, 2 kids, and 1 dog. I will be posting a case study shortly from which I expect some facepunches (not too many, I don't think) and hopefully lots of good ideas about how to proceed from where we are. I love the mindset here and am eager to be a more active participant.

Distshore

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Re: Say Hi and Introduce Yourself
« Reply #1563 on: August 17, 2014, 01:57:06 PM »
Hi,

I'm from a distant shore and now living in NYC.  Husband and I are starting to talk about growing 'staches, though I haven't yet talked him into "downgrading" his flip phone to a Republic smartphone.  Kiddie #1 on the way and we are looking to become quietly, frugally well off without ever letting another soul know about it, and to enjoy our lives, each other and our families; travel lots and make everything we can (clothes excepted; I hate sewing!).  Husband never wants to retire (though desperately looking to change careers to something much lower paid) and I really, really, really want to!

We will keep plodding away working on our investments and being inspired by MMM and you all.

myrax

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Re: Say Hi and Introduce Yourself
« Reply #1564 on: August 18, 2014, 07:39:40 AM »
Hi everyone!

I am Myrax (33), an urban planner working at a non-profit in a rust belt city. My husband (32) is finishing up his PhD and working a corporate job. we have no children, and no plans for children. Together, we have a pretty good income for our low cost of living city, and save almost 65% of our salaries after taxes. We save his bonus and our tax returns, but I don't include that because they are variable.

MMM has been incredibly eye-opening. IWTYTBR inspired me to pay off our student debt ASAP, which is how I first got our savings rate up to 65%. As we get closer to paying off our debts, I started looking for information on how to calculate how much we should be saving for retirement. The standard advice about replacing 80% of income seemed so arbitrary. It was a huge relief to find MMM talking about savings rate based on actually expenditures and timeline. Now that we are just a few months away from paying off our loans, I am excited to start upping our savings rate, and get past 70%.

I feel very fortunate to have found this forum!

MrSteward

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Hello!
« Reply #1565 on: August 18, 2014, 11:52:58 AM »
Hi all,

We are from Central California, have been married one year as of yesterday, and my wife and I are both 24 with no children(yet). I finished a 2 year college degree early at the age of 17 and started my career in IT. I now work as the Director of IT at an awesome family owned farming equipment manufacturing company. My wife graduated from Nursing school last spring and works full time as an RN at a hospital. We have managed to pay off her $40,000+ in student loans in just 8 months which is super exciting to us and with inspiration from MMM we intend to up our savings to at least 70% which will allow us to buy a house/duplex next summer with at least 20% down.

We have made a some financial mistakes in the last year such as wasting a lot of money on eating out and other misc non frugal thinking and we also bought a new car which went against my internal logic that said it was a dumb idea... anyways we are here to learn from more frugal individuals so that we can be good stewards of the money and financial stability that we have been blessed with.

peace99

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Re: Say Hi and Introduce Yourself
« Reply #1566 on: August 18, 2014, 02:43:44 PM »
Hi All,  Glad i found this site! I'd been reading various financial self help books for years and finally got myself into a position where I can invest. Looking forward to learning lots!

jordanread

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Re: Hello!
« Reply #1567 on: August 18, 2014, 03:41:15 PM »
Hi all,

We are from Central California, have been married one year as of yesterday, and my wife and I are both 24 with no children(yet). I finished a 2 year college degree early at the age of 17 and started my career in IT. I now work as the Director of IT at an awesome family owned farming equipment manufacturing company. My wife graduated from Nursing school last spring and works full time as an RN at a hospital. We have managed to pay off her $40,000+ in student loans in just 8 months which is super exciting to us and with inspiration from MMM we intend to up our savings to at least 70% which will allow us to buy a house/duplex next summer with at least 20% down.

We have made a some financial mistakes in the last year such as wasting a lot of money on eating out and other misc non frugal thinking and we also bought a new car which went against my internal logic that said it was a dumb idea... anyways we are here to learn from more frugal individuals so that we can be good stewards of the money and financial stability that we have been blessed with.

Happy Anniversary!! You got a hell of an early start. I look forward to following your journey, and seeing what could have been had I not screwed around for so long. :-) Welcome to the forums.

Hi All,  Glad i found this site! I'd been reading various financial self help books for years and finally got myself into a position where I can invest. Looking forward to learning lots!

If investing is your thing, I highly suggest checking out the Investor's Alley section, as well as BogleHeads. Welcome!
Join the cycling challenge!
Get in shape in 2017!
Frugal FIRE - Episode 2

"Mustachians rarely sit back and let things happen to them. Mustachians go out and happen to things."

Camp Mustache Canada - Sold Out Already!!

Brighteyes

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Re: Say Hi and Introduce Yourself
« Reply #1568 on: August 18, 2014, 05:29:53 PM »
Greetings,  I always thought I was frugal, but after reading MMM blog I realize I have a ways to go! I am slowly working my way through the blog and forums.
Here's to the power of the Mustache to change my financial life :)

jeninco

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Re: Say Hi and Introduce Yourself
« Reply #1569 on: August 18, 2014, 08:06:18 PM »
Hi! I've been lurking for a while, but I finally registered here to respond in the housecleaning threadÖ DH and I, in our late 40's, live with two boys and two cats in the yuppy-ified town just to the west of the MMM-family. We generally like it: we're in a very, very bike-friendly location, our kids don't need to be driven much and we're in easy walking or biking distance from amenities. Our neighbors are rather thrifty, and it's nice to be surrounded by some similar-minded folks. Other than the biking and a general displeasure for shopping we're not "super-mustachian", but having fun figuring out how we can further optimize our expenses to get the maximum pleasure jolt for our bucks! Many, many thanks to IPDaily for the Ting recommendations (both for the company and the suggestions for usage) and to MMM for the idea of a SWR of 4%!

We've paid cash for both the (mostly rusting in the driveway) cars, and have only 10 years left of a mortgage at 3.xx %, so no real hurry to pay that off. We're now working mostly to sock up the kids college fund and build up a bit of extra cushion...

MikeC

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Re: Say Hi and Introduce Yourself
« Reply #1570 on: August 19, 2014, 04:17:01 AM »
Hi all

My name is Mike, from the north of the UK, and I am currently living an antimustachian lifestyle. I am married with double income, no kids, big ass (4 hours a day) commute, 85% mortgage and a dog.

I just did a quick spreadsheet review of my expenditure and hang my head in shame. I spend HUNDREDS of pounds a month on coffee out, fancy lunches, expensive nights out with friends, fancy food, gadgets (many with apple logos) and public transport.

I don't have a bike, have a taste for champagne and fine whiskey, I haven't optimised my utility bills and I'm carrying 5K of (currently interest free) credit card debt.

I'm not a completely lost cause though as I am overpaying my mortgage and have 20K of invested 'stash (chose not to pay the credit card off while the interest is at 0% but that will clear it as soon as the intro rate is gone). We are also a one-car couple and grow some of our own food.

I do, however, deserve a big punch in the face! Looking back over the last 9 years of my career, I realize that I could be in almost the same position as MMM had I lived differently. I have been a complainypants, wussy over-consumer and MMM has helped me realize this. 

I *LOVE* this blog and the ideas in it. I very much want what MMM isn't selling. I am writing this post, mainly for myself, to say 'Something has gotta change'.

Thank you MMM and the community here for showing me the error of my ways.
I am working on it.

Cheers,
Mike

DragonSlayer

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Re: Say Hi and Introduce Yourself
« Reply #1571 on: August 19, 2014, 05:34:24 PM »
Hi! I'm 42, married, and live in NC. I retired at 33, before FIRE was cool! Reading "Your Money or Your Life" was what turned me on to the path of financial freedom. That and a series of jobs with bullying bosses, backstabbing coworkers, and mind numbing work. The life of a corporate drone was never going to be for me, so I did all I could to "buy" my freedom as early as possible.

I still "work" a bit doing some freelance writing and graphic design, but now I work for myself, when I feel like it, and only with clients and on projects that I love. I'm free to choose work that challenges and interests me and, when I'm tired or have family obligations, I can say no.

Helders

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Re: Say Hi and Introduce Yourself
« Reply #1572 on: August 20, 2014, 08:44:25 AM »
Hello, I'm a mustachianist since I discover the blog, from the moment I started reading I got a sense that this philosophy was definitely for me. Currently 29 and with a plan to reach FI by the time I'm 45. I see very difficult to get a high paying job in my country considering the unemployment rate (I live in Spain) so I see 15 years from now as the minimum time for me. I've been recording all my income and expenses since I began working so being frugal it's not an issue for  me, that has allowed me to use the money to invest.

I have never owned a car so don't miss it, and with a recent job switch I am earning something like $48K which allows me to save 62% of my salary more or less. I'm sharing a flat with two roommates and live near my office. Still, looking forward to be more mustachian!

Elderwood17

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Re: Say Hi and Introduce Yourself
« Reply #1573 on: August 20, 2014, 05:10:52 PM »
Hi! I am Doug and was introduced to this site a month or so ago.  Since then I have systematically read every post, and having finished today I decided I better register and jump in.  Being in my early fifties I am a bit late to the party.  We have always saved some of our income, and managed to get our house paid off while raising four kids.  But we never really developed those frugality muscles and certainly didn't exhibit any degree of Badassity.  We always figured if we were putting away our 10% in the retirement fund then we could indulge in a few toys here and there.  Once the last kid graduated from college we found our savings went to 20%, but in the past month I have been motivated to sell the ATV, cancelled some subscription, and sold a couple things on Craigslist.  It is ramping up!  This month we should be socking away about 35% or more.

Lizzy B.

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Re: Say Hi and Introduce Yourself
« Reply #1574 on: August 21, 2014, 07:57:40 AM »
Iím Guckles and Iím (learning to be) a mustachian.  Engineer, married, late 20s, no two legged kids, but one of the spoiled canine variety.  Found MMM through 20SomethingFinance (it was helpful advice until I found something better here) about 2 years ago, and have been lurking on the forum ever since.  Iíve always been interested in personal finance and avoiding debt (I read a lot of Dave Ramsay in high school/college) but the idea of using our savings to buy freedom and flexiblility has been utterly transformative and liberating.  Weíre still far from FIRE, but a whole lot closer than we were 2 years ago.  Many thanks to Mr. and Mrs. MM for sharing their knowledge, their badassity, and for pointing their optimism gun at us.

I love this forum community.  Yaíll (yes, I live in TX) are knowledgeable, friendly, and donít pull your (face)punches when necessary.  Youíve inspired me to make some changes in my life already, and Iím sure thereís more to come.  Thanks!

pixeldollars

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Re: Say Hi and Introduce Yourself
« Reply #1575 on: August 21, 2014, 06:43:18 PM »
Hello my name is Smith, I'm the nobody from nowhere that knows nothing. My age is between zero and one (zero= birth, one= death). I am starting the noble pursuit of financial independence in the right place at the right time. I am very excited about the info about directing money to maximum positive effect for personal happiness and for the highest good of all concerned.  What a cool blog! Thanks for having it! The world's a better place because of it.

dlo

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Re: Say Hi and Introduce Yourself
« Reply #1576 on: August 21, 2014, 07:15:43 PM »
Hi, I'm Dustin. Here to read, share and learn as much as possible.

Basenji

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Re: Say Hi and Introduce Yourself
« Reply #1577 on: August 22, 2014, 05:14:00 AM »
Iím Guckles and Iím (learning to be) a mustachian.  Engineer, married, late 20s, no two legged kids, but one of the spoiled canine variety.
Welcome. I'm stealing this just to see people doing math with a quizzical face.

valve

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Re: Say Hi and Introduce Yourself
« Reply #1578 on: August 22, 2014, 07:38:15 AM »
Hello everyone!

After reading through many of the posts for several weeks, I'm finally on board with getting serious about my finances. As a 33 year-old divorced mom of a toddler, I have a few mountains to climb, but now feel confident that I can make it. My main goal is to be able to provide a stable future for my son and I for years to come and I can do it surprisingly well with sacrifices that really aren't going to impact either of our lives much at all.

After I submit this post, I'm on the way to the bank to put my employees to work by paying off my car (I feel silly for keeping $10k in the bank for so long gaining no interest). Last night I cancelled DirecTV, trash service, reduced my Verizon bill by $30.00 a month, and changed the thermostat from 73 to 83 (when I turned it up last night I literally said outload - "fuck the power company."

I'm working on a before and after MMM budget and can't wait to see the final tally. Looks like pre-MMM savings was about $200.00 and now it is looking more like $800.00. Since I was 18, I've contributed a minimum of 15% of my 401(k) and looking forward to adding more. I just have to be diligent and not fall into old spending habits. I've got a lot more things to work on and really excited to see what the future holds.

MandalayVA

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Re: Say Hi and Introduce Yourself
« Reply #1579 on: August 22, 2014, 12:01:05 PM »
Hi!  (waves)

I'm a nearly 48-year-old woman; my husband is nearly 59 (next month is birthday month).  No kids, some cats.  My husband LOVES playing with finances and as a result we're one of the very few with that six-month cushion the talking heads push, plus he has a couple of trusts.  We live in a two-bedroom condo in a national historic district and our only debt is our mortgage, which we hope to pay off in the next three years.  The condo is a little less than three miles from our jobs (we work for the same company) and I've walked there and plan to do so much more regularly.  We have two cars right now but we plan to drop down to one, probably within the next year.  We got rid of DirecTV earlier this year and installed an antenna for news and football purposes; the internet covers the rest of entertainment.  I'd like to be able to retire when my husband does--we're fortunate that our company has a fully funded pension plan and both of us are vested, plus we have 401ks and other investments.  I'd also like to start investing a little on my own too, which is how I found MMM.
"When the going gets weird, the weird turn pro."  Hunter S. Thompson

Follow my road here:  The Road To Mandalay




Sunny Days

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Re: Say Hi and Introduce Yourself
« Reply #1580 on: August 22, 2014, 12:40:50 PM »
Hi!  I found this site a few months ago and love it!  I am 50 yrs old, married, and live in the San Diego area.  My husband and I have been married 26 years, raised two children and will soon be empty nesters.  Original plan was for both of us to retire in 7 years, when hubby is 60 and I am 57.  Hoping we can make that happen sooner!

MamaFootball

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Re: Say Hi and Introduce Yourself
« Reply #1581 on: August 22, 2014, 07:49:50 PM »
Okay, I'm not going to just lurk and read. I'm married for almost 25 years, mom of three adult kids and stay at home to take care of our youngest daughter who has special needs and is chronically ill. We are quite frugal and are now learning how to better manage "the gap" and tuck our money away in the wisest way. We are pretty much the renegades in our crowd, we don't pay anyone anything that we can figure out how to do ourselves, we thrift shop/yard sale for whatever we need, and have no interest in keeping up with the Joneses. That's me and I'm here.

Chibalass

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Re: Say Hi and Introduce Yourself
« Reply #1582 on: August 23, 2014, 06:34:10 AM »
Hello to all,

I'm a new reader to this blog, and can see quickly that community helps to achieve MMM ( and Mrs MM) freedom so I'll dive in and say hello.

I'm married, currently work in education,  am approaching my late 30s, and live in Chiba, next to Tokyo, Japan.

I spend many weekends kicking a ball about in the park with my kids, reading a book, or sharing a cool beer with my hubby. I like reading so I'm glad this group has a book club. Keen to learn more from the shared wisdom of all here.

Chibalass

kathrynd

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Re: Say Hi and Introduce Yourself
« Reply #1583 on: August 23, 2014, 06:29:39 PM »
hello,
My husband and I retired 4 years ago at 46 & 50. We split our time between Australia and Canada.
We own rental properties, which funds our 'retirement'. Neither of us made a high income, and didn't even consider retiring until realised by making a few changes, we could live off rent.
 We still live a frugal life, but we have everything we want. As the property mortgages get paid off, our income will rise.
 Being frugal is fun :)

lemanfan

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Re: Say Hi and Introduce Yourself
« Reply #1584 on: August 24, 2014, 03:42:01 AM »
Greetings facial hair people,

I am here to learn, network and be inspired.

On the personal side: male, 42, single, no kids, enjoying life in a medium size city in the middle of Scandinavia.

Working in the software industry, and making a comfortable living.  Spending a lot but saving more.  Rarely bike since I live downtown where everything including work is within walking distance.  My only car is a 15 year old sports car that I almost never use for any purpose other than fun trips with the top down.

On the investing side, I've been an active investor since the late 1990:s.  Back then it was speculation in the dot com boom era, now I'm a combination of boglehead, deep value investor and a dividend junkie.

I'm in the process of reducing my regular spending to instead spend more on travel and experiences.  Love to travel to the USA (been 6 times now) but perhaps I'll also start exploring more of Europe too.  Would love to connect with fellow travel fans from all over the place. 

Would also like to get in touch with fellow entreprenurs.

cowboysgirlfriend

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Re: Say Hi and Introduce Yourself
« Reply #1585 on: August 25, 2014, 10:14:11 AM »
Hello, I decided I had better jump on board.

28, engaged to a cowboy, about to move from Oxford, UK to Bellingham, WA (USA, not Western Australia). We work in horses, a notoriously difficult industry in which to be successful, but I'm determined that we're going to make it happen. I own a small business in the UK which is just starting out and not yet at the "paying dividends" stage, but I hope it will be soon.

I still have a lot to learn about working the system in the US, and I'm mostly here to plunder the wealth of knowledge and experience that I've seen on the boards. I feel like I'm at square one. Look forward to seeing how this adventure goes.
English girl. American Cowboy. Like a western Dirty Dancing

http://cowboysgirlfriend.blogspot.co.uk

mrdebtbeard

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Re: Say Hi and Introduce Yourself
« Reply #1586 on: August 25, 2014, 12:39:57 PM »
Hi I'm new to the forums and thought I'd drop in rather than lurk.
I'm 34 work in the mortgage industry, married with one daughter and hopefully one other little one on the way.
I'm currently in the process of relocating to Seattle, and I've clearly got the roots to be a mustachian but need some tuning up.

Romag

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Re: Say Hi and Introduce Yourself
« Reply #1587 on: August 26, 2014, 03:52:34 AM »
Hi, I've been lurking for awhile.
Single Army Officer, 43, about a year away from retirement. FI the day after I retire with pension and savings. Planning on teaching High School ROTC for a few years as a soft landing before leaving the workplace entirely.

Really enjoy the blogs and forums. I've always been pretty frugal, but reading MMM has allowed me to refine some practices.
Thanks for having me!

CatchingFire

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Re: Say Hi and Introduce Yourself
« Reply #1588 on: August 27, 2014, 12:21:48 PM »
New to the whole idea, but thankfully not too far gone.  ;)

It seemed destined.  My husband and I arrived here after being inspired by minimalism to reduce our stuff, followed by problems with Moneywell moving us to YNAB, listening to their podcast brought me to MMM, and now... yes...  this feels like home.  Wish I'd arrived here many years ago, but perhaps the trip through crazy clown car, luxury living was necessary for MMM to have the impact it has. 

So far, I've dusted off the bike, got a rack for it to haul my goods, and crunching numbers to retire a little earlier than planned (about 10 years).  The husband has been a bike commuter for 10+ years and we thankfully live in a fairly bike friendly city with good (and bike friendly!) pubic transit.

I am grateful already for the generous and humble community here and the amazing mass of knowledge here.  Hope to contribute as I progress!

Public Hermit

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Re: Say Hi and Introduce Yourself
« Reply #1589 on: August 27, 2014, 06:00:30 PM »
Greetings!

Been lurking for a few months and decided to sign up with some difficulty. I've had my fair share of some financial blunders, but not as bad as some. I am 25 years old, single, graduated college a year ago with $19,000 debt and modest savings. I've had a full time job in my field of study since two weeks after graduation. I also kept my college job gig at the supermarket for 15 hours a week even though I hate it with a passion. I have a 401k through both jobs and plan on pumping as much as possible into each. I also have a Roth IRA which I've completely maxed out on this year. After this month, I will have just under 5K on my student loans. According to Mint, my net worth is just under +$9,000, which is awesome, considering I was in the negatives a year ago. Once I pay off my student loans, I project that I will be able to save/invest at least 50% of my income.

I hope to achieve FI between the ages of 45-50. And that Roth IRA pipeline idea I've been reading around the forum? Genius! I've read many investing/trading books and forums since the beginning of this year. I started investing in the stock market in January and hope to reap the benefits of compound interest. Looking forward to posting here and sharing the enthusiasm of practicing an anti-consumerism mindset!
So I was sitting in my cubicle today, and I realized, ever since I started working, every single day of my life has been worse than the day before it. So that means that every single day that you see me, that's on the worst day of my life. -Office Space

KES

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Re: Say Hi and Introduce Yourself
« Reply #1590 on: August 28, 2014, 08:34:21 AM »
Hi! I've stalked the blog/forum for about a year now and thought I'd say hello. We are 30 and 38, have 3 small ones with whom I stay at home, and right now FIRE is just a dream. We live rather modestly with one car, but again we only have one paycheck at the moment. When we're done having kids I'll go back to work to jack up our savings. I enjoy the positivity and non-judgyness of this forum the most.

plutoloco

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Re: Say Hi and Introduce Yourself
« Reply #1591 on: August 28, 2014, 08:56:24 AM »
Hi I'm Mike, 35 years old, married with two small boys and starting my professional career after years of being a slacker. My brain has been wired incorrectly for years when it comes to money and what I can actually afford. Happy to be in the company of so many like- minded frugal individuals!

RichLife

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Re: Say Hi and Introduce Yourself
« Reply #1592 on: August 28, 2014, 12:22:58 PM »
Hello everyone, happy to be here. I'm Nina, 28 and I live in Belgium. I work as a software developer. About a year and a half ago I finally started to take my finances seriously, having in the past relied on others to do all that for me. Things really took off when I learned about the concept of 'financial independence' and the realization that the dreaded fear of having to work until 65 to then live off a meagre pension was not one I'd have to have any longer.

I feel lucky that I grew up with many frugal habits which stuck with me into adulthood. As such I do not feel that I am missing out on anything, I even take a certain pride and joy into living below my means. Plus having friends whom are not able to work due to disability it is nice to be able to share and exchange tips with them and take away some of their worries too.

Doing this was in part inspiration to start my own blog which revolves around the concept of living a rich life. Right now the focus is on money matters, but as I go I will expand into anything that contributes to the concept, as richness is not only defined by material aspects but also experiences. The link is in my signature, feel free to have a look around. Should you have any feedback then send me a PM, or post a comment on an article, I love to hear from others.

UnleashHell

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Re: Say Hi and Introduce Yourself
« Reply #1593 on: August 28, 2014, 07:29:14 PM »
Hi!

Been lurking around for quite a while and have decided to add some of the things here to what I'm already doing.

Lost my Job in Jan 2012 which wasn't good as it wrecked my financial plan.. had to move 1,400 miles and drag the family with me to get the job I needed to carry on (nothing too excessive).

The house shorted saled last july - right after the one I was renting was fore closed on.
I bought a house outright in florida last September and renovated it in a month - without missing a day off work.

I'm now about to go all out frugal and hope to be in a position to be FI in 18 months.
if it works out then its massive job and house loss to FI in under 5 years...

Oh - and I don't earn a 6 figure salary.  The debts I do carry are from the house (no mortgage - too much of a financial risk apparently) and that's it. its just time to turn off the financially suicidal commercial cascade of consumerism.

Oh and my son is 17 and in his last year at high school.  I haven't seen anything spark his interest like this in a couple of years...
_____________
JTF 96

etoken

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Re: Say Hi and Introduce Yourself
« Reply #1594 on: August 28, 2014, 08:32:50 PM »
Hello all;

Eric here - 50 and FI but seemingly don't have the kahunas to live like it so... still working... perhaps I'll find them out here at MMM
Eric

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #1595 on: August 29, 2014, 06:13:04 AM »


its just time to turn off the financially suicidal commercial cascade of consumerism.

This sentence brought to you by the letter C and badassity. Glad to have you here.

Join the cycling challenge!
Get in shape in 2017!
Frugal FIRE - Episode 2

"Mustachians rarely sit back and let things happen to them. Mustachians go out and happen to things."

Camp Mustache Canada - Sold Out Already!!

Kriegsspiel

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Re: Say Hi and Introduce Yourself
« Reply #1596 on: August 29, 2014, 01:50:31 PM »
Hello new forumites. I love you.









Carry on.

dios.del.sol

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Re: Say Hi and Introduce Yourself
« Reply #1597 on: August 29, 2014, 07:17:38 PM »
Hi everyone. I've been lurking for about a month here and will probably lurk for a while longer before posting anything else. I was raised in the early early days of Usenet (rec.music.industrial anyone?) and know that it's important to get a hang of the culture before chiming in.  However, I'm having a 22 of Imperial IPA homebrew, so my walls are down and I'll at least post my intro now to get it out of the way.

I'm (holy shit! (MMM has a potty mouth, so whatever)) middle aged, married with a 9 month old. I've never been in debt. My folks always preached paying off the full balance on a card - using it only for convenience. I'll admit that many years ago I once had to carry a balance and I went into EMERGENCY mode until I figured out how to pay it off as soon as possible and how the heck I had let it happen. I've usually saved a double-digit percentage of my income. I've done plenty of bike commuting (but since I used to race bikes I never felt like I was being frugal... just enjoying time on my bike). I've often remarked how I make more money than most Americans, yet they have so much more (and nicer) stuff than me. I've always hated consumerism, including the house horniness that drives people to make poor financial decisions when buying a house in a stupidly overpriced market (So Cal). Moreover, in the words of Yul Brynner, "Etc., etc., etc." All great stuff, right?

And yet... finding MMM's blog and this forum has blown my mind. I was falling into the abyss of consumerism, referencing my spending to my income, slowly but surely wondering how it had gotten so tough to make it all come together financially. I was wondering how in the world I was stressed when I was living on so much more than 6 years ago. I have, to put it simply, become full of shit, and reading this forum daily is slowly setting me on the right track again. I am energized and delighted to have so much to learn from people who have done things better than I have ever done. I'm a small fish in a big pond...

...and I can take a face punch.

fatSquirrel

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Re: Say Hi and Introduce Yourself
« Reply #1598 on: August 30, 2014, 01:11:25 PM »
Hello All!

This is my first post so just wanted to introduce myself!!!
Name: Sue
Age: 33
Location: USA
Career: Work from home IT/medical software

Goals: Financial Independence (need to do math on this still so I have a target date :) ; live more frugally, not fall into trap of lifestyle inflation; world travel

Debts: DEBT FREE as of a few years ago, when I paid off my last student loan!
I am currently supporting my partner through Medical school (a 4th year hoping to get into ER residency)
Partner's loans will be 200K+  Yikes!

My Networth: 206 K
401k, 403b, 457 = 90K
Company Pension = 38K
Rollover IRA = 6K
Roth IRA = 72 K
Other:  Car paid for, currently no property

Happy to be here to share and learn more! 




canalstreet

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Re: Say Hi and Introduce Yourself
« Reply #1599 on: August 30, 2014, 06:11:10 PM »
Hello! I've been following this site for the last 2 years and found it interesting how I was already on my way to being a Mustachian without knowing it.

I've been living for several years without any debt, always pay off the credit cards every month and have been investing in the stock market since the 90's (though I didn't touch the brokerage account for about 5-7 years following the end of the tech bubble). The last two years, I've been maxing out my 401k and IRA accounts (probably one of the only people at my job that put 100% of the paycheck until I hit the limit).

I'm single, 47 and work as a web developer in NJ.