Author Topic: Say Hi and Introduce Yourself  (Read 661699 times)

primozaj

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Re: Say Hi and Introduce Yourself
« Reply #2400 on: September 23, 2015, 11:04:02 AM »
Hello,

I just found this site yesterday via a link on the Google Fi phone posted on Facebook and I've been pouring through the posts, though today is my first day with the forums.

Since I started working in my current job in 2000 I've held the goal of being retired by 57 which is the earliest I can retire by "their" rules.  Since then I've gotten married; bought, sold, bought, bought, rented houses; and now we are dealing with a serious illness of my wife.  Throughout this I have been having a sinking feeling that I will never be able to retire.  This site already has given me hope and ideas for freedom.  I am taking note of poor spending habits and by changing those I feel I can get to the bottom of the debt that I do have.

I just wanted to introduce myself here and  then I plan on heading over to the "Ask a Mustachian" thread to ask for some advice.

Thanks!

Quokka

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Re: Say Hi and Introduce Yourself
« Reply #2401 on: September 24, 2015, 06:20:02 AM »
Hi All,

Another Aussie here, have been reading some of the posts and it looks like there are quite a few of us!

I'm a 37 year old engineer, married to another engineer (35) with a baby boy.

Didn't make much money in my 20s but I've have been saving and investing since getting my first solid job around 7 years ago and we're in reasonable financial shape. Have been reading the ideas in the blog and this forum, and I'm intending to step up the pace now that I've realised that the goal might not be as far away as I thought. If we can avoid any speed bumps such as unemployment, we might be FI by 45ish.

Looking forward to some fun and useful discussions!

Q

zephyr911

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Re: Say Hi and Introduce Yourself
« Reply #2402 on: September 24, 2015, 10:19:22 AM »
Lot of new people recently - welcome all, and enjoy yourselves. :)

Hello from Montreal!

Not really sure how I found my way here, probably randomly browsing investments sites and such. Been lurking for a few weeks, but I thought I should try joining the conversation. Always planned to retire early, saved in my 20's with the expectation of retiring around 40 although now with recent job changes/promotions I may end up doing it a lot earlier. I enjoy my work, so another few years isn't a big deal.

Stats:

Age: 35, wife is 33
Kids: 1 (1 yr old)
Estimated Net Worth: $700k cash (invested in index funds), $300k house (Estimated value - mortgage, 4 unit complex, we occupy 1 unit).
Yearly Income: $400k (very recent surge in income)
Estimated Yearly Spending: $30-40k
Fuckin' A! Won't take you long at that rate! lol
I am not a cog. I am an organizational lubricant.

shzm93

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Re: Say Hi and Introduce Yourself
« Reply #2403 on: September 25, 2015, 11:18:13 PM »
Hi everyone!

I'm new and very excited to have found Mr. Money Mustache's blog. My husband and I spent several days scouring through most of the posts here and running some numbers. If we tweak a couple of little things we should be track to "retire" when my husband is 30 and when I'm 25. I'm not taking anything for granted though (we have a slightly-less-than-six-figures income, 2 investment properties with a 3rd purchase planned for 2016, no debt, and a good-sized cash reserve for a young couple) so I'm trying my best to pare things down. My biggest spending weaknesses: fast food and clothes. Ugh, it's SO easy to spend on those things but the costs add up! However, we are currently traveling/living abroad for a year which is teaching me a lot about how it's possible to live with very few material possessions. I hope I can keep that lesson in mind once I return to the States, and find other ways to cut back as well.

I'm excited to be part of this community and to learn from and be inspired by all of you!

-S
« Last Edit: September 25, 2015, 11:36:45 PM by shzm93 »

Paul | pdgessler

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Re: Say Hi and Introduce Yourself
« Reply #2404 on: September 26, 2015, 12:03:54 PM »
Hi all, 25 year old married engineer from Milwaukee, WI here.

After college graduation (May 2012), I didn't think too much about my student loan debt (~$25k) since it was deferred further by attending graduate school on a teaching assistantship. Graduated with my Master's degree in May 2014, got married, and started my career. Life rolled on. Around March 2015 I decided to start seriously attacking my student loan debt, and I've now paid off two of three loan accounts in seven months. Found MMM in mid-July and dove in, reading all the articles in order. :-)

My wife and I are already pretty frugal, but I'm always trying to find ways to increase my "badassity". I take the bus or ride my bike to work and try to use my car as little as possible (usually less than once a week). Just last night I used the UMGD to give myself a haircut for the first time. My wife approved, so I guess I did at least a half-decent job on that! haha! I also have a few side gigs, all things I enjoy that bring in some extra bucks on a semi-regular basis.

Looking forward to hopefully meeting some Mustachians in the MKE area (already seen there's a few of you out there) and using the forum to keep myself more accountable.

ktk.ace

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Re: Say Hi and Introduce Yourself
« Reply #2405 on: September 27, 2015, 02:50:55 AM »
HI I'm John from Taiwan and  is an avid motorcycle enthusiast. 

Currently doing my own business on ebay and yahoo auctions.

Cheshires_Coins

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Re: Say Hi and Introduce Yourself
« Reply #2406 on: September 28, 2015, 09:31:03 AM »
Hello everyone. I'm 23yo, from New Zealand, have been reading for a while and made maybe two posts about a year ago but never officially introduced myself on this thread, have made the decision to get a bit more involved in the forum and thought that doing an intro post here would be a good start.
I'm most of my way through a BA/BSc conjoint degree, working 'part time' (nearly full time hours though, night shift!) in an unrelated field (and actually quite enjoying that job) and really just trying to absorb as much as I can r.e. financial information. I don't come from a wealthy background (am only the second person in my family to go to university, my mother doesn't own her first house yet, nobody in my family really seems to be able to give me advice, you get the idea) and had real 'class shock' when I visited my partner's family for the first time. I had been reading MMM before that, but the difference really threw me, and made me realise that I'm just not going to get the kind of financial backing or education that he has benefited from and am going to have to make an effort to do it myself.
Currently flat-sharing with my partner, his best friend (who he is looking at buying a house with soon), another good (older) mate of ours and his (adult) son, all pretty decent creative types in our own ways, and looking at growing my savings up again following 6 months studying in the UK (where I was not legally allowed to work due to visa conditions), as well as unexpected  BS that left me and my partner effectively homeless for a few weeks when I returned to NZ (long story, we're okay now).
Dreaming of FI, building my own tiny house, and getting a small plot to grow my own vegetables on and maybe a couple of chickens, and doing a bit of freelance graphic design/web design on the side if the projects are interesting (art/design is my true passion but realised after year 1 of art school that I DEFINITELY did not want to make it a career, now studying Biosecurity)- all before I've even really started my career. I want to make sure that I start out right and keep goal-oriented through my working career.
Currently have a $45k+ student loan (interest free) through our government scheme which gets paid off through deductions from salary (my pay already partially goes towards it even while studying) joined Kiwisaver (our government-based retirement scheme) as soon as I had a job that made me eligible to receive employer contributions (matched to 3% of my pay) and aiming for a career in public service through local council or one of the Ministries (the main employers for biosecurity workers). No credit card debt, hire purchase debt or any personal loan debt, no overdraft. Looking at getting a small personal loan (towards a motorcycle, due to parking costs car commuting here is awful and our public transport system is still being overhauled, plus Auckland is super-sprawling) purely to pay it off to increase my credit rating, and thinking of getting a credit card for similar reasons.
I think I'm still at the 'peach fuzz' stage of Mustachianism, but I'll get there.

sing365

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Re: Say Hi and Introduce Yourself
« Reply #2407 on: September 29, 2015, 12:22:13 PM »
Hi all!

I'm 30yo, married, no kids (yet). My husband and I are both MBAs/professionals. I have been lurking here since April 2014. After following MMM for a while, I realized that we had enough "FU money" for me to quit my soul-sucking job. The stories on the forum really inspired me to pull the trigger, which I did in June. It sounds kind of crazy now, but before MMM I never even realized there could be an alternative to working as hard as possible for as long as possible. I also read YMOYL, which had a huge impact on me. 

We're now planning a move to a lower COL area (from Bay Area to Colorado). We're working on building our frugality muscles - quitting my job has been a real wake-up call on our wasteful spending. I'm hoping to find a more meaningful job with better work-life balance. We're also hoping to have a baby soon.

Finally, I'm interested in effective altruism. I think Peter Singer's The Life You Could Save might have been what prompted me to start researching frugality in the first place. I do feel an ethical obligation to become more frugal and to use my "spare" resources to help others. I'm also interested in reducing my environmental impact.

Daisy

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Re: Say Hi and Introduce Yourself
« Reply #2408 on: September 29, 2015, 03:21:18 PM »
Finally, I'm interested in effective altruism. I think Peter Singer's The Life You Could Save might have been what prompted me to start researching frugality in the first place. I do feel an ethical obligation to become more frugal and to use my "spare" resources to help others. I'm also interested in reducing my environmental impact.

That's beautiful. I'm going to have to read that book. Your thoughts on this align with mine.

Micona

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Re: Say Hi and Introduce Yourself
« Reply #2409 on: September 29, 2015, 05:08:38 PM »
Hello everyone!

My name is Mike and I am from Michigan. I'm 33, just under a year of marriage and have no kids.....yet. While I have always been pretty good with my money, things got a little too lax the past couple years. It's time to tighten things up!

I recently came across the MMM blog this past week and was given quite the rude awakening so to speak. After reading a few blog entries, I realized that I've been wasting a lot of money through out the years despite thinking it was all well spent. I've now been glued to reading all of the information I can and have already begun taking steps to add a few whiskers in my stash!!

dalegendman

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Re: Say Hi and Introduce Yourself
« Reply #2410 on: September 29, 2015, 06:50:22 PM »
Hi all!

My name is Andrew. I'm a 21 year old from the DC area. I recently finished college at a local state school. I have no debt but a very low income from an internship. Live with parents and am still looking for that first "real job."

I've been lurking on this blog for a few months and, honestly, have no idea how I stumbled across it. I figured I'd start jumping into some conversations. MMM has given me a real punch in the face by showing me that working till I drop doesn't have to be my life story, and how wasteful a lot of spending in our society is. Before coming across this blog I knew general financial tips like "spend less than you earn" but I assumed that working until you were 65+ was a given unless you hit the financial jackpot via the lottery, inheritance, or extraordinary luck and skill in business.

Even though I'm not making much money now, I'm glad that I have a clean financial slate and can put myself on the right track and avoid some of the money-sucking traps I already see my peers starting to fall into.

VTD0918

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Re: Say Hi and Introduce Yourself
« Reply #2411 on: September 30, 2015, 10:02:41 AM »
Hello everyone, I am a California state employee, 28 years old with 1 child, no debt, with a NW of $110k, currently making $60k a year. We are living off of my fiancée income (he doesn't make much..less than $25k a year) and investing my paychecks. We rent from his parents so this has helped us a lot in our savings. Plus, the convenience of having his parents there helping us with our daughter...watching her while we are both are at work. I can't thank them enough and is a luxury for us since we don't have to pay for daycare.

I just recently  got serious with my FIRE plan beginning of this year.  This year, I will be maxing out my 401k, 457, and IRA accounts. Anything left over goes to my taxable account at Vanguard. I will continue to contribute until I hit my FIRE goal of $1.5M. I will have a pension that I can tap into when I'm 50 years. I don't count on SS being there when I'm old enough to receive so I don't count it in my FIRE plans.

 Not sure how my fiancé thinks about being retired early but I have express my plans with him and since I handle our finances he's the type of person that will be on aboard with whatever my decisions are with our finances. He is only a couple years older than I am but he have said he would still be working when I retire early. That's fine by me.

I would like to FIRE between 2026-2028. Looking forward to using this forumn as a resource to learn about how ii can improve my financial investments. I love how this community all have a common goal that I can relate to.

Thank you!!
FIRE Goal: 2030

Haimons Mustache

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Re: Say Hi and Introduce Yourself
« Reply #2412 on: September 30, 2015, 01:05:56 PM »
Hello all! Finally got around to registering on the forums due to some changes I made today and felt the desire to share. I'm on target to hit the maximum in my 401(k) and Roth IRA for the first time in my life (42 years young) and am quite excited about it. I'm estimating to be FIRE ready in about 11 years, sooner if I can get my wife on board.

I've always lived a relatively mustachian life, not always by choice, but finding this community really put it all into perspective and streamlined all the things I "thought" I knew.

For that I thank you all.




FiftyIsTheNewTwenty

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Re: Say Hi and Introduce Yourself
« Reply #2413 on: September 30, 2015, 10:06:14 PM »
Hi!  I've been lurking for over a year, finally jumping in (it was inevitable).  I'm staying anonymous for now, but my handle is my story.

All my life I've been mustachian in spirit, but wiped out several times by business losses, medical bills, and taking care of non-mustachian family.  Currently rescuing Mom from financial ruin due to sudden and rapid onset of Alzheimer's, plus helping sister left homeless and penniless by soon-to-be-ex-husband. 

Right now I'm living with family in the Southeast until everyone's on a better trajectory, after which I will return to the DC area.  I've been there a few years and really enjoy it -- lifestyle and career opportunities greatly outweigh the expense, especially with the mustachian niche I've found.

At 50 and 51, my sister and I both need to create financial security for ourselves, while providing for Mom as her faculties fade.  It's not a pretty picture!  But I believe it's more than doable.

jengod

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Re: Say Hi and Introduce Yourself
« Reply #2414 on: October 01, 2015, 12:03:55 AM »
Been hanging around the forums for a few months but just found this introduction thread.

Am 38, husband is 39. We could probably FIRE now (paid-off house, $1m+ in investments) but DH is involved in a startup with friends and likes it for the time being. I am currently a SAHM who might start working again if/when I ever manage to get the kids (boys, 5 & 2) set up in school. (We are considering homeschooling them.)

We are a blend of spendypants and stoic/spartan. We have a weird hippie minimalist semi-DIY thrift-store lifestyle, but we are extravagant on date nights and the kids' education and other experiences. We grow some food in our city backyard and have chickens and all that, but also have two cars and take vacations and so forth. Really enjoy the MMM POV and the wisdom and suggestions from forum posters about further decreasing expenses and hedonic treadmill problems and socking away more in tax-advantaged and other investment accounts.

Hobbies include watching tiny house videos on YouTube, studying permaculture principles and reselling vintage children's books on Amazon.
« Last Edit: October 01, 2015, 12:15:06 AM by jengod »
Waste is lost profit made visible. #zerowastehome #permaculture

steviesterno

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Re: Say Hi and Introduce Yourself
« Reply #2415 on: October 01, 2015, 06:02:06 AM »
Hey all,

Im Steve in Texas. This year I got married and we're expecting our first in January. That got me to really think about long term ideas and finances. I've been reading this forum for days and keep getting inspired, and excited to know that we're already doing some of the right things. I am fortunate that I've found a job I really like, and I already get paid full time wages for 4 days of work and 8 weeks vacation a year. (work in higher ed). My goal would be to work this same way but without needing money. unfortunately, I didn't read this 10 years ago. I'm just starting out on this adventure, but I want to be free to travel and relax, I want to retire my wife when she wants to since she doesn't love what she does, and be free to do whatever I want by the time our kid(s) go to college.

Some stuff we're doing in the right direction:
Bought "less house" than we can afford, fixed it up, and it's in a great district. The market is so crazy here that we lived for free since we moved in 10/2 last year.
mostly DIY in the house, collect rain water to garden, working on adding garden and vegetables
already commute MUCH less than average for the DFW area at 15-20 mins.
Buy only used cars
putting 20% my salary into Roth and 403b
Get free continuing ed through my job, and added 4 letters to my name last year
combined we get amazing health care , 4-6 % salary company retirement match
are good cooks and like to be at home
Paid off our wedding in cash last year.
no CC debt
have some equity in the house, other investments, but not much
combined salary of $109,000 now with her raise, but going to take a hit while she's out with the baby.

But the bad...
took out car loans for the used cars, still owe $15k between the 2. working on paying them off early
weren't able to put 20% down, but the PMI cost on top of the mortgage to buy was still cheaper than renting. going to fight that this year as the home values are up.
My student loan debt SUCKS. Since I started my own businesses after school and work now in education, I still have to pay back $230,000. that's going to be the biggest thing to tackle. man it's scary typing that number. It's the first step though.  My goal is to get to a NW of zero in a reasonable number of years. don't know what that is. 10? 20? Time to get reading...

Stash padawan

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Re: Say Hi and Introduce Yourself
« Reply #2416 on: October 01, 2015, 11:41:44 AM »
Another one from Montreal (South-shore in fact).

Got deeply into studying personal finances over the last year and ended up reading most of MMM's blog. Finally decided to enter into the forum. Never really though about FI and ER before, but it turned out to be a life goal for my girlfriend and I.

Current life situation:
Age 26, SO is 26 too. no kids.
Both professionals, not enjoying the work much
Gross yearly income is around 180k (Canadian, of course)
Estimated Net worth: around 30k (small investments 7k , equity on triplex 45k, but 24k student loans)
Estimated Yearly Spending: $50-55k (I know its a lot, mainly because we have horses - boarding, not at home)
Identified spending problems: Horses, rented car, bus commuting to work. We took care of the other main categories and are aware that we could go further into cutting luxury.

We currently rent a small apartment but recently bough a triplex and will move in one unit in 2016.

I'm planing to change job next year (currently a lawyer) and become an independent financial planner and moneycoach (and try to put some fellow Canadians on the FI track), so gross salary might take a huge dip, but overall life happiness should be quite better!

Glad to be here, surrounded by like-minded people.

Best,
Alexno

chrisgermany

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Re: Say Hi and Introduce Yourself
« Reply #2417 on: October 03, 2015, 06:40:02 AM »
Hi from Germany!

I read Your Money or Your Life back in 95.
The ideas made sense.
We had already started to track expenses in 82, so we knew where the money went to.
We are also LBYMs, with a travel bug. As we had good jobs we could have a reasonably good life and save to make ER happen.

Later I found the Simply Living Forums and the ER forums.
We ERed in 2013, DH was 61 and I was 55.
We still are happy as 2 clams.

dreams_and_discoveries

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Re: Say Hi and Introduce Yourself
« Reply #2418 on: October 04, 2015, 09:35:38 AM »
Hello from London

I'm Lou, 34, and I've been a lurker here for a few months, thinking it's now time to dip my toe in the water and say hi.

The MMM philosophy appeals to me massively, some strands come naturally to me, but I do struggle with others. I'm never going to live in a small flat or cycle everywhere, and I'm fine with those decisions. I'm now making very reasonable money, and trying to get myself to a 50% savings rate - mainly going into my SIPP pension (very tax efficient for freelancers like me) and some unwrapped investments.

Have a hard goal to retire by 50, and would love to bring that in, but this would need some sacrifices, that I'm not sure I'm ready to make yet. I adore London, and it seems madness to pass up on the opportunities here when I'm young (ish). Have a serious theatre habit to maintain, and ever increasing wanderlust.

meyling

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Re: Say Hi and Introduce Yourself
« Reply #2419 on: October 07, 2015, 09:45:28 PM »
Hi!

My name is Meyling, and I've probably been spending way too much time reading MMM's blog posts since I heard about this site, so I decided I might as well join the community. I graduated college last December, so this year for me has basically been all about learning how to be a real adult. (So far it's way easier than college!)

I think I've always had a frugal mindset. My grandma likes to mention this story a lot. One time when I was around 5 or so, I was at the store playing with a toy I wanted to buy. I asked how much it was, and it was $5, but I thought it was worth only 99 cents, so I decided that I had played with the toy enough, and didn't want it anymore. My parents went and bought it for me anyway, and when I found out I was so disappointed and frustrated that I started crying.

TechMike

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Re: Say Hi and Introduce Yourself
« Reply #2420 on: October 08, 2015, 11:46:07 AM »
Hello everyone!

I'm a (n almost) 30 year old from the Denver area. I work as a systems engineer, and my wife just started a Ph.D. program. We also have two little kiddos (3yr/1yr). We only really recently got started focusing on frugality and building our 'staches. I'm glad to run across MMM and all of the badassity that he and you forumites exude. I'm glad to join you.

We just refinanced our mortgage into a 30 year mortgage from an FHA mortgage to drop the crappy PMI (thank goodness for Denver's crazy real estate market). We also have substantial student loan debt from our undergrad degree. Fortunately though, we just recently finished paying off a car loan and medical bills. Regarding the car loan, thanks to all the wonderful advice, I realize how silly that car loan was to get. At the time it seemed like a great idea.

We have a dream of retiring 10 years from now, and I'm still crunching numbers to see how to make it possible. I hope to continue to learn from all of you.
« Last Edit: October 08, 2015, 11:48:32 AM by TechMike »

Ceridwen

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Re: Say Hi and Introduce Yourself
« Reply #2421 on: October 09, 2015, 07:14:47 AM »
Hello! I've been lurking on the boards here for a few weeks and thought it was time to introduce myself.  33 year old Canadian, married mother of 2.  I've just returned to work following my second and final maternity leave (14 months, thank you Canada!) and this has lead me to really start thinking about our financial future.  Ultimately, I want to reduce my hours to part-time so I can be at home more for our kids.  Annual household income of 150K CND.  200K in savings.  250K in RRSPs.

DH and I have always been good with our money, but we don't invest and that's my primary reason for checking out MMM, after hearing about it from a friend.  I don't know if early retirement is the ultimate goal yet, but I'm very excited to start thinking about it.

Things we've done right:
- Bought a small house with a fraction of the mortgage the bank was willing to give us.  Will be paid-off in 4 years :)
- No consumer debt
- Student loans were minimal and paid off within a year of graduation
- Bought our only car in cash (need it for daycare run)
- Commute to work by train
- Max out our RRSPs and RESPs each year
- Contribute quite regularly to our savings
- Generally frugal lifestyle, especially when compared to our peers (but not MMM level frugal, yet).
- Kids wear all hand-me down clothes.  We don't even buy them toys because grandparents do enough spoiling as it is.  So really our only costs so far are feeding them and daycare (which is thankfully government subsidized in our province).

Things we need to work on:
- Getting a better overall handle on our finances.  We need goals.
- Investing our money instead of keeping it in savings accounts
- Open some TFSAs (I know, so terrible we haven't done this yet)
- Ditch cable.  DH is really holding out on this one because of hockey. 
- Get DH to bring his lunch to work more often
- Lower our insurance costs by increasing our deductibles

Looking forward to learning a lot from everyone! We are really nervous about investing because DH once lost a small inheritance (5K) to Nortel, and that left us feeling pretty burned.  But reading more about things like ETFs is giving us the courage to give it another try.

epiben

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Re: Say Hi and Introduce Yourself
« Reply #2422 on: October 09, 2015, 08:52:45 AM »
Hello All,

I have just started my ride on the money mustache train.  So far it has been one month and I've really started to re-consider how I handle my expenses.  In my first month I was able to save about 40% of my take home pay.  Granted, this is short of my goal, but this is a good start.  My second child was born during this time, so that drove up costs a bit too, but I'm sure I could find any excuse for any given month, so I'll just say I can do better. 

The best part is that I really started to pull myself up by my mustache straps and have itemized what comes in and what comes out.  Although I had unknowingly been following a lot of mustachian ways of living (I have done all the work on our home myself, have all of my debt paid off with the exception of a mortgage, etc.) I really paid no mind to where my money was going to.  It turns out I was easily burning $600 on things I couldn't even remember.  What a waste! 

So, here I am, a month later, kicking myself for all the waste, but happy that I've cut it out of my life.  I have goals set, and I'm looking to hit 50% savings next month.  I'd say wish me luck, but luck is for fools.  I just better do it, right!

Thanks!

-Ben

stephQ

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Re: Say Hi and Introduce Yourself
« Reply #2423 on: October 09, 2015, 01:53:17 PM »
Hello! I'm Steph, a recently married 32yo currently living in So. California. DINK, debt-free & looking for ways to increase our savings rate. Grew up having spendthrift parents who didn't really emphasize the importance of saving. Started reading personal finance books in my early 20s out of curiosity and started applying principles of saving chunks of my salary automatically once I started working to max my Roth IRA and 401k. Stumbled upon the MMM blog through reddit a while ago and obsessively read through all the MMM articles. I was amazed there was a whole community of like minded folks who also were saving huge portions of their income and living on a lot less. I've been a long time lurker of this forum without posting anything, till now :) I really appreciate the advice found here from all the members and hope to be more inspired!
« Last Edit: October 09, 2015, 02:09:11 PM by stephQ »

jan62

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Re: Say Hi and Introduce Yourself
« Reply #2424 on: October 10, 2015, 03:43:45 PM »
Hi,  I'm Jan and I've been reading MMM for a few years and finally decided to join the forum to find some like - minded people.
In our mid 50's, have been paying off credit card debt this year which is almost done. My focus will then be on paying off our mortgage asap. We have two investment properties and money in super for retirement. 
The last few years a lot of people have been laid off at work including half my original team. More getting laid off at Christmas - not me but realistically I wouldn't be surprised if it happens in the next few years. Our loose plan is to pay off this mortgage and then sell up in 4-5 years and downsize.

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Re: Say Hi and Introduce Yourself
« Reply #2425 on: October 10, 2015, 05:21:58 PM »
Hello all, I heard MMM on the Art of Manliness podcast last month Sept 2015. I checked out the website / blog and am completely sold out to the MMM philosophy. Doubt me ? I now ride my bike to work in the (clown) car driving capital of the world, Los Angeles CA. Thus my nick name 2 wheel $ machine.

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Re: Say Hi and Introduce Yourself
« Reply #2426 on: October 11, 2015, 09:38:35 AM »
Good morning. I've been lurking and reading blog entries and forum posts for some time. I am 44, divorced, with two awesome boys. I happily tallied up my savings rate for this year (projected and so far) and it will be 60% ~ other than my parents and sister, there is really no one else to appreciate, hence my registering this morning. :) I'm learning a lot and hoping to learn even more. I have changed around my investments through my reading (netting some decent dividend income), and finally quit my part time job that was sucking the joy out of my life. It was very liberating.

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Re: Say Hi and Introduce Yourself
« Reply #2427 on: October 12, 2015, 05:03:29 PM »
Hi Everyone!

I've been lurking this forum for a while and have started reading MMM about 1 year ago. In spite of not knowing what college was even about, I graduated with little debt and paid off my student loans in about 6 months (woot!). Now I'm trying to get used to the idea of white-collar work - and justifying the ridiculous dolla dolla bills it grants. Growing up, work was defined by actual labor, not coming up with ideas (but I am thankful that I have a job that I am actually good at. Gotta count those blessings.)

Some background, my family immigrated from out of the US and have farming backgrounds, which has a whole set of of challenges for 1st-generation-1st-born me. There was no guidance on how to prepare in high school for college, how to play the college game, the ridiculous activity of "networking", how to "office job", etc. But it did teach me to value my family, nature, and hard work - and not to take on debt. (It was my Dad's advice to say NO to $100k of student loans. Thanks Dad!)

So now, I am so happy to have found this community so early in my working life. With no debt to my name (nor assets), but full support of my family, I hope to FIRE by 2025. Or at least move on to work that actually accomplishes something. I'm hoping with everyone's help I can learn more things about the world and figure my way through it.

That excitement!

AmandaS1989

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Re: Say Hi and Introduce Yourself
« Reply #2428 on: October 13, 2015, 09:24:30 AM »
Hello all!

I've been lurking for the past week or so and finally decided to join in on the fun! I found the MMM blog last month and have decided to start saving up for FIRE! I'm 26 and hope to have my FU money fully funded by the time I'm 45. I do not want to work forever and be a wage slave. If I work when I'm retired I want it to be because I WANT to, not because I have to.

I am currently in the process of paying off my last three CCs (about 3k in debt) so I can really start throwing some serious money at my SLs (63K worth). I have also started my 401k (4% on my part and 4% employer match) and have also started a Roth IRA with Betterment. I only have a little over $500 in my 401k and only $125 in my Roth with $1000 in my savings account but its better than where I was 5 months ago when I started my first full-time job as a staff accountant.

We've gotta start somewhere right?
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Re: Say Hi and Introduce Yourself
« Reply #2429 on: October 13, 2015, 09:56:32 AM »
My name is Jake and I'm ready to retire in about 10 years if possible. A couple of issues:

1. I only make about 32k annually. No college degree and need to find a way to step that up.
2. I have no clue how to invest in anything because I fear losing it. But I DO want to invest. Need some help on that please. :)
3. My wife and I are expecting our 1st child next month (Wholly S*&t!!!) and she'll be out of work for a few months.
4. Have debt but it's minimal.
5. I have the frugal gene in me but could use some polishing. I've cut cable and stream.
6.I have a decent inheritance coming to me and want to know the best advice on where to put it.
7. I have no savings or 401k. My wife doesn't either. :(

Can anyone help? Y'all (yes I'm Texan) rock!!!

grantmeaname

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Re: Say Hi and Introduce Yourself
« Reply #2430 on: October 13, 2015, 11:21:48 AM »
Jake, maybe you should make a case study thread for advice. There's a great stickied thread that explains what to put in it to be sure you get the most useful advice possible!

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Re: Say Hi and Introduce Yourself
« Reply #2431 on: October 14, 2015, 06:00:23 AM »
Hello to everybody.

John, 30. Engaged to the Mrs., 26. Both computer engineers. Found this forum and the blog 2 days ago. Since then so much more things make sense to us. Without actually knowing about it, we have been living quite a part of the Mustachian life. Other parts we have been missing wildly, mostly because of our ignorance. This will lead to some hilarious statements you will see below, I swear these are true. Plus side that will make things interesting: We are from the other side of the Atlantic. Recently (5 months ago) moved to the Netherlands and we are currently planning to stay here at least for 6-8 years. we are currently behind the retire-early train, as we were ignorant to much things that would accelerate our plan a lot earlier, but we have recently decided to chase after the 42-44 year old retirement. Here's some of our info:

Couple net income: 60.000 euros (approx. 69k USD). Yep it is low, we are on the beginning of our engineering careers anyways, and salaries in most of Europe are on a low standpoint for the moment. Expected to rise by 3000 annually.

Zero property taxes. That's precise, we own nothing that is taxable. No car, no house, no land.

Bank assets: 80k euros (92k USD) currently sitting completely idle (yep, that's one of the big things we have been missing -  not a single little plan for any kind of long term)

No kind of any debt whatsoever. No mortgage (obviously), no credit cards, no nothing.

We are living quite the modest life. We haven't have a TV for the last 12 years. We don't have expensive subscriptions to anything. I really really dislike new books and at the same time I love used books. I also never keep books at home, once we read them we give them away (that's right, we give stuff away all the time, we have a soft heart when it comes to taking other people's money for something that should be free in the first place like books). We use our bikes all the time (we're in the Netherlands, right?), rarely go out. I almost never shop for clothes but I do waste money on my personal computer and for my hobby of assembling and painting futuristic toy soldiers. Mrs buys clothes, but never expensive shit. We do on average 3 trips abroad per year, 2 to visit family and 1 to take some personal time. On that last one we were currently spending ridiculous amounts because it felt like we deserved it (more stuff I wisened up from during the last two days alone). With a rough estimation I would say we get by with spending 23000 euros per year. So we are saving 55% more or less.

Looking at the above, someone would say we got off to a great start and the mustachian dream can be seen in the horizon. The problem is I am not seeing it. My bank assets are too low to invest, or maybe I'm a coward. I also hate the fact that practically 50% of our yearly expenses go to pay for house rent. We plan to move in a much more affordable house come new year which would save us about 4200 euros per year (4800 USD). I am also wildly considering purchasing a house but I think I am too chicken to do it. Currently we are bleeding 1100 euros per month to stay in a 55 sq meter (500 sq ft) little apartment. Yes, I am aware that I do this wrong. I actually got aware of this 2 days ago, thanks MMM.

So my main question is: How do I un-coward myself to actually start doing smart choices when the purchasing prices are high?

runningthroughFIRE

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Re: Say Hi and Introduce Yourself
« Reply #2432 on: October 14, 2015, 07:42:32 AM »
Hello to everybody.

John, 30. Engaged to the Mrs., 26. Both computer engineers. Found this forum and the blog 2 days ago. Since then so much more things make sense to us. Without actually knowing about it, we have been living quite a part of the Mustachian life. Other parts we have been missing wildly, mostly because of our ignorance. This will lead to some hilarious statements you will see below, I swear these are true. Plus side that will make things interesting: We are from the other side of the Atlantic. Recently (5 months ago) moved to the Netherlands and we are currently planning to stay here at least for 6-8 years. we are currently behind the retire-early train, as we were ignorant to much things that would accelerate our plan a lot earlier, but we have recently decided to chase after the 42-44 year old retirement. Here's some of our info:

Couple net income: 60.000 euros (approx. 69k USD). Yep it is low, we are on the beginning of our engineering careers anyways, and salaries in most of Europe are on a low standpoint for the moment. Expected to rise by 3000 annually.

Zero property taxes. That's precise, we own nothing that is taxable. No car, no house, no land.

Bank assets: 80k euros (92k USD) currently sitting completely idle (yep, that's one of the big things we have been missing -  not a single little plan for any kind of long term)

No kind of any debt whatsoever. No mortgage (obviously), no credit cards, no nothing.

We are living quite the modest life. We haven't have a TV for the last 12 years. We don't have expensive subscriptions to anything. I really really dislike new books and at the same time I love used books. I also never keep books at home, once we read them we give them away (that's right, we give stuff away all the time, we have a soft heart when it comes to taking other people's money for something that should be free in the first place like books). We use our bikes all the time (we're in the Netherlands, right?), rarely go out. I almost never shop for clothes but I do waste money on my personal computer and for my hobby of assembling and painting futuristic toy soldiers. Mrs buys clothes, but never expensive shit. We do on average 3 trips abroad per year, 2 to visit family and 1 to take some personal time. On that last one we were currently spending ridiculous amounts because it felt like we deserved it (more stuff I wisened up from during the last two days alone). With a rough estimation I would say we get by with spending 23000 euros per year. So we are saving 55% more or less.

Looking at the above, someone would say we got off to a great start and the mustachian dream can be seen in the horizon. The problem is I am not seeing it. My bank assets are too low to invest, or maybe I'm a coward. I also hate the fact that practically 50% of our yearly expenses go to pay for house rent. We plan to move in a much more affordable house come new year which would save us about 4200 euros per year (4800 USD). I am also wildly considering purchasing a house but I think I am too chicken to do it. Currently we are bleeding 1100 euros per month to stay in a 55 sq meter (500 sq ft) little apartment. Yes, I am aware that I do this wrong. I actually got aware of this 2 days ago, thanks MMM.

So my main question is: How do I un-coward myself to actually start doing smart choices when the purchasing prices are high?
92K (USD because honestly I don't have a good conceptual understanding of value in euros) is certainly not too small to invest.  Depending on your bank's interest rate, you could be losing upwards of 1.5-2K a year to inflation alone.  As far as getting the courage to take the plunge: Knowledge. Get some books on investing, and head over to the 'Investor Alley' section of the forums if you have questions. Welcome to the community!

wpgdude

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Re: Say Hi and Introduce Yourself
« Reply #2433 on: October 15, 2015, 11:35:59 AM »
Well I discovered MMM sometime this past spring, and have loved reading his ideas and sharing thoughts with friends.  I'm 39, my wife is 42 and we have a 5 year old.  I never really gave retirement much thought until 5 years ago when my father past away at the age of 64.  This past spring my mother past away at the age of 63.  She managed to retire only a year before she passed away and regretted it during her past two months in hospital. 

So my eyes have been opened.  While I truly love my job as a high school teacher, I have my heart set on retiring at age 52 at the latest. (Retire when my daughter graduates from high school.)  We have been living somewhat frugal since my daughter was born as we dropped from 2 incomes to 1, with my wife being a stay at home mom.  Between my pension deductions, we save ~25% of what I bring home, not MMM standards by any means, but ahead of most of my friends. 

We have no debt, except for a mortgage (~190k on a 350k house, housing prices are much higher in Canada!).  I am now debating between accelerating our mortgage payments from 15 years left to under 10, or investing that money and making sure that our mortgage gets paid off from these investments before the day I retire.

I so appreciate all of the writings by MMM, it helps to give clarity on saying no to many not frugal things in life.  I know that I could reduce our spending further, but I am happy with a goal of retire at 52 and enjoy some luxuries (NHL hockey tickets) vs retiring even earlier. 

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Re: Say Hi and Introduce Yourself
« Reply #2434 on: October 16, 2015, 01:35:37 AM »
Hi Everyone,

Its the first time I've really been to the forum side of the site, but i have been following Mr Money for about a year or so now. I have made some major changes in my life because of it and on track to get student loans paid back and start investing. I am 25 and I have a 4 year old who is pretty awesome. We live in the flathead valley of Montana so in the Kalispell area. Would love to get to know some of you guys just to have some like minded individuals to talk with.

The Mrs and I work at home for Apple, so that has been a fun way to cut the costs of transportation down dramatically. We actually used to have a 2012 dodge charger which was amazing, but I came across Mr money and decided to sell it(actually made a profit thankfully) and went and bout a used 2005 Prius which has been amazing at the pump. So that was my first big step away from the traditional lifestyle and been following it getting better and better at little things all along the way. Cut cable, paid highest interest credit cards first moved the rest on to interest free until it was paid off, looked at the costs of our food, cut cable and bought an apple tv and hooked it up with netflix, etc We are actually hoping to get our first house so we can stop paying everyone elses mortgage. So I can't thank Mr money enough, and i am sure I can learn even more from you guys! 

If I can ever help with anything feel free to let me know, if you are nearby and want to meet up or just to have someone to chat with just reach let me know. :) ill be on here just watching and refining my mustache

Marcus

AmandaS1989

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Re: Say Hi and Introduce Yourself
« Reply #2435 on: October 16, 2015, 05:58:19 AM »
Hello Marcus and welcome! Those are some awesome changes you've made. The little stuff really does add up. It's great that you and your wife can work from home. Some days when I get up at 6 am to make my hour commute I wish that I could do that too. Good luck on your journey to FI!
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Eric222

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Re: Say Hi and Introduce Yourself
« Reply #2436 on: October 19, 2015, 08:04:38 AM »
Hi!  I'm Eric.

I've spent most of my life as a consumer sucka - always justifying it by the fact I've been in 'training' or 'school', etc.  That was bad enough, but then I decided to get married and have two kids during medical school and residency.  Follow that by a bad divorce during residency, and I got pushed over the edge financially.  I spent a lot of time feeling like I'd been unlucky - but that isn't true.  I made poor choices and only by owning them and looking forward can I fix it. 

Thankfully, and embarrassingly, my parents came to my rescue and allowed me to use their collateral to borrow the money needed to survive the divorce, get 50/50 custody of my kids, and get back on my feet.

I've been cutting expenses, and it was enough to get to being able to start to pay back some of my massive debt, but at my previous pace I was looking at working until I'm dead.  I'm not just on fire, I'm rolling in lava.

I stumbled across this blog a few weeks ago and realized I can do more. 
Here are the steps I've taken:
1)  Dropped collision coverage on my Toyota Matrix (I already had an appropriate car) and switched to a cheaper carrier (Geico of course).
2)  Dropped my rental insurance.
3)  Got a BJs (local Costco equivalent) membership for cheap through work.
4)  Paid off the installment plan on my phone and am switching to Ting, which will be more than adequate for my needs.
5)  Got a bike lock for my road bike that was collecting dust in my house.  I biked to work today for the first time in years.  It was 30 degrees out and it felt great!  Embarrassingly, it took less time to bike than to take the bus or drive.  I should have figured this out years ago. 
6)  I'm having a no restaurant November - this needs to extend to a no restaurant for years, but one step at a time. 
7)  Winterized my apartment to the extent possible.
8)  Bought LED bulbs for my commonly used lights ($13/6 bulbs FTW). 

Next steps are to turn these changes into habits and to spend less on groceries.  It is only myself and 2 kids (half the time - I suppose I have an average of 1 full time kid?)  I still spend $500/month on groceries. 

Now to stay the course.

Thanks for reading,
Eric

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Journal: Racing towards zero

Where I started...

Long term goals:  Stay fit, NW0 by 39, and FI by 50.  Required SR:  66%.  SR goal for monthly income: 60%.

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Re: Say Hi and Introduce Yourself
« Reply #2437 on: October 19, 2015, 02:26:52 PM »
Hello everyone!

We are a Mustachian-wanna be family with 2 kids from South Fl.  Hope to learn a lot on this forum from more experienced folks.  Soon will post a case study to get a much needed advice.

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Re: Say Hi and Introduce Yourself
« Reply #2438 on: October 20, 2015, 07:29:34 AM »
Szilveszter Hansen

Good day.

My name is Szilveszter Hansen, a fellow adventurer on the path to total freedom. While I do not wish to divulge too many personal detail, suffice to say I am just beginning to come into some money in my life and I am trying to make decisions that are beneficial both for me and those close to me. My plans are as of now, still secret but I believe you will hear a lot more from me once I put them into action.

For now, I will summarize the current situation. I live in an unspecified european country. I am somewhere in my mid 20's.

Assets:
Apartment, worth approx. EUR 185,000
Savings, currently all liquid assets, approx. EUR 72,000

Debts:
Student loan approx. EUR 13,100
Mortgage, approx. EUR 85,000

Net worth:
approx. EUR 160,000

Income:
Approx. EUR 2,200 (after taxes)

Fixed expenses (rent, food, insurance, etc.):
Approx. EUR 600

Savings goal (monthly):
Approx. EUR 1,000

Looking forward towards contributing to forum and lending my expertise.

In haste,
Szilveszter
« Last Edit: October 20, 2015, 08:00:38 AM by Szilveszter Hansen »

RapidLionInvasion

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Re: Say Hi and Introduce Yourself
« Reply #2439 on: October 20, 2015, 03:10:25 PM »
Hello! I posted on the celebrations thread before I saw this thread but hello! I'm 17 years old, I am absurdly interested by these financial talks, and I hope to start solid on the beginning of my own life as I begin college next year!

I do not plan to own a car or house. I have not done the exact math yet but this blog seems to suggest to me that its alot of money that I can invest.

I strongly hope to be financially independent at the age of 30. I do not wish to retire at 30. As a kid I have always thought that work should be fun and I think that after 10 years of "real world advice and experience" from other adults, this blog has granted me a concrete way to revive and protect that vision.

Being inexperienced, I don't know what other things I can say atm haha.

Anyways hello!
Ring ring ring

AmandaS1989

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Re: Say Hi and Introduce Yourself
« Reply #2440 on: October 20, 2015, 03:14:02 PM »
Hello and welcome. I wish I knew at 17 what I know now at 26.
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solon

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Re: Say Hi and Introduce Yourself
« Reply #2441 on: October 20, 2015, 05:16:22 PM »
Hello and welcome. I wish I knew at 17 what I know now at 26.

Wait until you're 36!

ciamae

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Re: Say Hi and Introduce Yourself
« Reply #2442 on: October 21, 2015, 10:11:30 PM »
Hello, Fine Frugal Folks!
1. My name is Cia Mae & apparently... I have no idea how to navigate a forum.
2. The MMM blog has reignited a flame I once carried that burned with desire to eliminate debt while maximizing life through beautiful simplicity.
3. I am irrationally *EXTREMELY* intimidated by investment jargon & numbers.
4. Hoping to find support & advice as I continue on my rediscovered path to financial freedom & life fulfillment!
xoxo:CM




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Re: Say Hi and Introduce Yourself
« Reply #2443 on: October 22, 2015, 02:50:33 PM »
Hello everyone!

My name is Amy and I'm a 28-year-old nurse from Southern Virginia.

I found this blog about 4 months ago and I have learned SO MUCH from it! It really has changed my life! I only wish I had found it sooner. I've always been fairly frugal but learning about early retirement and financial independence really opened my eyes. I do not plan on retiring "early" by most people's standards. My goal is simply to be able to comfortably retire at age 60.

I work as a nurse and DH is a cook. We make a combined income of ~68k annually. Though this isn't a lot of money, we live in a very low COL area. We have no student loan or credit card debt. The only things we owe money on are our house and DH's car. My car is already paid off. I have an IRA which I opened several years ago and don't really contribute much to it right now, since my ultimate goal is to have DH's car and our house paid off in the next 5 years.

Looking forward to learning more about investing, saving, retiring, real estate, and lots more from this forum.

Lodjuret

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Re: Say Hi and Introduce Yourself
« Reply #2444 on: October 22, 2015, 05:39:17 PM »
Hi I'm lodjuret from upper Sweden, just shy of 40.

Been reading mmm on and off for a year or two.

Manifold

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Re: Say Hi and Introduce Yourself
« Reply #2445 on: October 22, 2015, 07:59:39 PM »
Hi, I'm Manifold.  I'm 54, headed toward semi-retirement in August of 2016.  I was a member of ER.org, but I don't think I fit in very well there, so I was hoping to find a better fit here. 

I've practiced simple/frugal living for a couple of decades, and it's served me well.  I plan to cut back to < 20 hrs/wk in about 10 months.  I'm really looking forward to that. 


georgec

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Re: Say Hi and Introduce Yourself
« Reply #2446 on: October 23, 2015, 11:58:50 AM »
Howdy. I discovered MMM by way of both Raptitide and The Art of Manliness. Both resonated deeply with me, as did MMM once I finally gave it some attention. I'm glad I did. I find myself reading the backlog of blog posts and smiling, seeing myself among the stories, opinions and behaviors.

My path began when I first decided to go into business for myself as a freelance artist 8 years ago. I knew I needed to pay off my credit card and student loan debt first, and then pay off the ridiculous car loan I had at the time. I did so with a vengeance once I set my mind to it, and believe me I was a directionless blob prior to that. At least financially.

My first year in business for myself was extremely successful, and contributed to paying off the toxic auto loan. It also resulted in a lot of needless purchases, which I was fortunate enough at the time to quickly realize that I wasn't one single bit happier than I was when I was debt-free. I decided right there and then to maintain my strict financial behaviors and start learning about investing and planning for retirement. That was about 5 years ago.

The past few years have found me yet again re-focusing my life and priorities due to some extended bouts of severe depression. A dedicated regimen of healthier eating (full fat, no added sugar, no refined grains), regular exercise, meditation, and a realigned perspective on the focus of my art has been a massive help to get a hold on the depression and once again focus on the future, as opposed to dwelling on the past or complaining about the present.

At any rate, I found MMM to be aligned to the values I'd come to cultivate totally independently, and was needless to say a big fan right off the bat. I've been riding my bike to the grocery store, saving and investing as much of my income as possible, reducing my desire for consuming, and practicing Stoicism as best I can. I've even been working on an essay called the "Inconvenience Manifesto" over the past year, so you can imagine the smile on my face reading over the archives at MMM.

I started later in life down this path, so while I have a few years under my belt, I'm still working to learn and build my investments. I have a lot of questions still. I'm not sure I'll be retiring early, but I'm sure I'll be aggressively aiming to do so.

I look forward to communing with the like-minded folks here. I'm an avid non-fiction reader and podcast listener, and a big part of signing up for the forums was to hopefully share and discover recommendations in these areas.

Sawedoff

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Re: Say Hi and Introduce Yourself
« Reply #2447 on: October 24, 2015, 07:18:43 PM »
Found MMM through a Facebook post this past week and have been reading the blog ever since. I'm already semi-mustached in many ways, but I still have a LOT of room to improve. I've had the idea of retiring early, but my wife just shrugs it off.

Me and my wife are two sides of the coin. I spend minimally, making only a few purchases a year, except on food which is the majority of my expenses. My wife loves spending money on trinkets and useless junk that ends up sitting on a shelf, in a drawer, or getting tossed in the trash. Just trying to find ways to get her to stop being emotional about money and materials and see reason.

Either way, glad to be here and learn what I can to slow the money drain.

Freedomin5

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Re: Say Hi and Introduce Yourself
« Reply #2448 on: October 25, 2015, 06:49:55 AM »
Hi, I'm FreedomIn5. Hope to gain FI in 5 years.

MrDelane

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Re: Say Hi and Introduce Yourself
« Reply #2449 on: October 25, 2015, 04:46:23 PM »
I've been lurking on here for quite a while now and figured I'd finally register.
I really put my best foot forward by registering with a typo.

Is there any way a Mod could change my username to MrDelaney instead of MrDelane?

If so, I'd greatly appreciate it.
Thanks.