Author Topic: Say Hi and Introduce Yourself  (Read 534242 times)

walrus

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Re: Say Hi and Introduce Yourself
« Reply #2700 on: March 20, 2016, 10:29:09 AM »
Hello all!
I found out about MMM from the New Yorker like some others here. I'm 24, graduated college two years ago with no debt and am employed so I am starting from a pretty good place! My lifestyle is already fairly mustachian - I don't have a car, I walk or ride my bike to work and to run errands, I pack my lunch every day. However, I live in Brooklyn and pay absurdly high rent, and I go out to eat a lot on weekends, etc.. So I am having a hard time saving at the moment. Would love to hear from others who are living in NYC!

NinetyFour

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Re: Say Hi and Introduce Yourself
« Reply #2701 on: March 20, 2016, 11:07:09 AM »
Hello all!
I found out about MMM from the New Yorker like some others here. I'm 24, graduated college two years ago with no debt and am employed so I am starting from a pretty good place! My lifestyle is already fairly mustachian - I don't have a car, I walk or ride my bike to work and to run errands, I pack my lunch every day. However, I live in Brooklyn and pay absurdly high rent, and I go out to eat a lot on weekends, etc.. So I am having a hard time saving at the moment. Would love to hear from others who are living in NYC!

Here is just the thread for you!

http://forum.mrmoneymustache.com/meetups-and-social-events/nyc-meetup-on-sunday-june-22nd/

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MrsTuxedocat

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Re: Say Hi and Introduce Yourself
« Reply #2702 on: March 20, 2016, 05:38:55 PM »
I have been lurking on this site for the last month (or so), and thought it was about time to join. I am 31 and recently married to Mr. Tuxedocat. We live in a very HCOL area and are trying to save for a downpayment.

Wekeeprollingdowntheroad

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Re: Say Hi and Introduce Yourself
« Reply #2703 on: March 20, 2016, 06:52:50 PM »
Hello!
My wife (34) and I (43) travel full time, currently exploring America. I am an ex professional photographer, she is an ex dental hygienist. We've been on the road for about a year now and don't have any plans to stop. We mostly avoid people and the internet nowadays, so signing up here is new for us(me). I think I'm mostly here out of curiosity to see what other frugal retirees are up to.
We can be found on paddleboards,longboards,bicycles,disc golf courses or exploring natural or historic areas, or seeking out unique libraries or cinemas all over the USA. We do other stuff too as it pops up.
We got to this point in life by living in vehicles(i think living in a car exempts me from car clown status..) for 5 years while earning a nice salary(before marriage) then and having nice incomes and living (mostly) a minimum wage lifestyle after getting married. We enjoy the simple things in life, and our values most often coincide with that often spoken, but rarely embraced nugget that the best things in life are free :)

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #2704 on: March 21, 2016, 05:56:55 AM »
Hello!
My wife (34) and I (43) travel full time, currently exploring America. I am an ex professional photographer, she is an ex dental hygienist. We've been on the road for about a year now and don't have any plans to stop. We mostly avoid people and the internet nowadays, so signing up here is new for us(me). I think I'm mostly here out of curiosity to see what other frugal retirees are up to.
We can be found on paddleboards,longboards,bicycles,disc golf courses or exploring natural or historic areas, or seeking out unique libraries or cinemas all over the USA. We do other stuff too as it pops up.
We got to this point in life by living in vehicles(i think living in a car exempts me from car clown status..) for 5 years while earning a nice salary(before marriage) then and having nice incomes and living (mostly) a minimum wage lifestyle after getting married. We enjoy the simple things in life, and our values most often coincide with that often spoken, but rarely embraced nugget that the best things in life are free :)

I love that pic!! Awesome.
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Wekeeprollingdowntheroad

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Re: Say Hi and Introduce Yourself
« Reply #2705 on: March 21, 2016, 06:55:15 AM »
Hello!
My wife (34) and I (43) travel full time, currently exploring America. I am an ex professional photographer, she is an ex dental hygienist. We've been on the road for about a year now and don't have any plans to stop. We mostly avoid people and the internet nowadays, so signing up here is new for us(me). I think I'm mostly here out of curiosity to see what other frugal retirees are up to.
We can be found on paddleboards,longboards,bicycles,disc golf courses or exploring natural or historic areas, or seeking out unique libraries or cinemas all over the USA. We do other stuff too as it pops up.
We got to this point in life by living in vehicles(i think living in a car exempts me from car clown status..) for 5 years while earning a nice salary(before marriage) then and having nice incomes and living (mostly) a minimum wage lifestyle after getting married. We enjoy the simple things in life, and our values most often coincide with that often spoken, but rarely embraced nugget that the best things in life are free :)

I love that pic!! Awesome.

Thanks! This was after an unusual and epic snowfall in Kentucky a couple months or so ago. Everything shut down, but we went looking for the closest lake :)

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #2706 on: March 21, 2016, 07:10:59 AM »
I love that pic!! Awesome.

Thanks! This was after an unusual and epic snowfall in Kentucky a couple months or so ago. Everything shut down, but we went looking for the closest lake :)

Very nice. I think you are going to fit in quite well around here. Even though I'm pretty much landlocked here in Colorado, I somehow found myself often interacting with Prospector (canoes) and Jon Snow (kayaks) and discussion often turns to paddling about and enjoying the wonders that are missed by louder and faster machines. Oh, plus there is a friendly rivalry between the two and preferred modes of transportation.
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Wekeeprollingdowntheroad

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Re: Say Hi and Introduce Yourself
« Reply #2707 on: March 21, 2016, 07:20:13 AM »
I love that pic!! Awesome.

Thanks! This was after an unusual and epic snowfall in Kentucky a couple months or so ago. Everything shut down, but we went looking for the closest lake :)

Very nice. I think you are going to fit in quite well around here. Even though I'm pretty much landlocked here in Colorado, I somehow found myself often interacting with Prospector (canoes) and Jon Snow (kayaks) and discussion often turns to paddling about and enjoying the wonders that are missed by louder and faster machines. Oh, plus there is a friendly rivalry between the two and preferred modes of transportation.

Haha nice!! I'm a long time canoe man myself, but when we hit the road, a canoe was just going to be too much to cart around. Inflatable paddle boards are the answer. I have love for kayakers, but mostly it's the feel sorry kind of love 😎❤️ I have been intrigued by the new foldable kayaks out now, but so far our paddle boards own any kind of situation
Amen to preference to louder and faster machines. We cart around folding bikes as they are our preferred mode of land travel. I did give up our push longboard skateboard for an electric board though. There aren't always hills where we go! There's gotta be some lakes around you no?

Azaor

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Re: Say Hi and Introduce Yourself
« Reply #2708 on: March 21, 2016, 03:39:44 PM »
Hi everyone,

Frugal by nature, discovering MMM has helped me to realize the potential of it and in particular that retiring early is possible. My goal (yet to be fully defined) is to be financially independent as soon as possible.

As a new member of this community, I look forward to improve my mustachian skills and learn more about FIRE.

Neo

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Re: Say Hi and Introduce Yourself
« Reply #2709 on: March 22, 2016, 05:22:15 PM »
Hello Mustachians,

I have been reading the blog for about 6 months. Today I paid off all my credit cards ($3,021 in total) and I will be closing on my first 4-family rental property in about 45 days. Already cut the cable cord, minimized electric bills, minimized cell phone bills, etc. I think I'm in a good spot to really start lighting the savings fire. I will have to pay out around $15k to buy the rental property, leaving only about $2k left liquid in savings. I do have an IRA with about $50k and a 401(k) with about $10k which I get matched at 7% for every 6% I put in, which is pretty sweet.

The big hurdles left to eliminate are my car ($460/month with about $26k left on the loan) and downsizing my house (I have a $300k home but probably only need a $180-200k home). If I can get those two items in check, along with my other progress, I will really be on my way. The plan is to keep accumulating rental properties as finances allow.

Anyway, nice to meet you all and I look forward to learning from the great community here!

bananarama

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Re: Say Hi and Introduce Yourself
« Reply #2710 on: March 23, 2016, 07:14:10 AM »
Hello all! I'm Bananarama, and live in the NOVA area.

I found MMM through a CNN Money article (waaaaay back) and lurked a lot. I did manage to pay off 36kish in student loans in the last year using what I learned from the blog and forum! I still have a 27k or so car loan, but it's a Prius and I plan on driving it until the wheels fall off (also they gave me a 0% loan).

Recently started biking everyday - but haven't managed to incorporate it into my daily commute yet. My area has a lot of bike paths, they just don't go in the direction I need, and riding on the road is still slightly terrifying.

I hope to continue to optimize my finances so I can retire and really explore the world. My dream is to one day sell everything and drive around North America in a rv/van visiting anything that interests me while everyone else is stuck at work. I think if I really buckled down I could manage it by 35 (only 8ish years away).

Ellabean

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Re: Say Hi and Introduce Yourself
« Reply #2711 on: March 23, 2016, 07:43:06 AM »
Hi! I'm Ella. I'm married and I have two kids, nine months old and 4.75 years old. I read through the entire blog and realized that I am a car-clown consuma sucka. I can't change the car part yet(at least it's paid off and not an SUV), but I'm working on making changes to my lifestyle-- not buying things for the consumer thrill, not going out to eat, and enjoying the challenge of cooking, yardwork, and DIY. My husband and I have enormous student loan debt (I have a useless PhD and he is actually using his Master's), a mortgage, and high day-care costs. Our savings rate has been 3%. We are working on paying down our debt and upped our savings rate to 6%, which is a start. I'm happy to be here and look forward to learning from y'all!

NCSteve

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Re: Say Hi and Introduce Yourself
« Reply #2712 on: March 23, 2016, 10:40:49 AM »
Hi, I am Steve, my wife and I have taught in NC for 15 years. We plan to work 15 more years in order to have full pensions. I've been reading this forum for several months. We are working on paying off our debts and maxing out our Roths. Our goal is to be able to retire in our early 50's if we choose to do so and be comfortable.

mafire

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Re: Say Hi and Introduce Yourself
« Reply #2713 on: March 23, 2016, 12:52:28 PM »
Hi,

I'm Brian from Massachusetts. 25 years old and just starting my career. I'm looking to live a life with less things and more time to spend outdoors and with friends.

CLB

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Re: Say Hi and Introduce Yourself
« Reply #2714 on: March 23, 2016, 01:42:59 PM »
Hello from Texas!

Sustainable Happiness

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Re: Say Hi and Introduce Yourself
« Reply #2715 on: March 24, 2016, 06:34:50 AM »
Hi,

I'm a mid-20's Canadian (Ontario) personal finance junky working in a consumer-driven field knowing that it is not what I want to do with the rest of my life. Therefore my wife (a nurse, helping man-kind one step at a time) and I (not a nurse, not helping man-kind) have decided to build on an already fairly frugal lifestyle toward having enough F-You money in 3-5 years to have lots of babies and pursue employment that is less lucrative but more fun.

Currently landlording a couple duplexes (living in one unit) for a positive cashflow (i.e. no mortgage payment) and saving >40% of our income with the ultimate day-by-day goal of living life sustainably happy (pursuing FI and frugality makes this easier!)

Keep on rockin'.

moneycakes

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Re: Say Hi and Introduce Yourself
« Reply #2716 on: March 24, 2016, 10:23:25 AM »
Hi! I am Lisa, single mother of 3 college kids. I am a Registered Nurse and have been working full time in my career for 27 years. I found this blog by accident looking into ideas to speed my ability to retire. I raised my kids on my own and really lived paycheck to paycheck without saving anything. I started my first 401K in September 2015. I am working as a travel nurse now which enables me to save a lot more money because I do not have to pay living expenses. I am looking forward to gaining a lot of knowledge from you all and MMM. I have now read the whole blog in about 3 weeks time and have moved on to the forum to continue my education!

elmustacho

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Re: Say Hi and Introduce Yourself
« Reply #2717 on: March 24, 2016, 03:38:03 PM »
Hi,

I'm El Mustacho,

I'm a Software Engineer, been reading MMM for a little less than a year. Found it after reading books like Millionaire Next Door and Rich Dad Poor Dad.

Currently debt free, moving two blocks away from work  and building the emergency stash.

I've saved lots by having medical procedures and hardware repairs in Mexico, if anybody needs tips on how to save major money on some repairs in Mexico I'm your guy.



AussieCat

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Re: Say Hi and Introduce Yourself
« Reply #2718 on: March 27, 2016, 06:52:07 PM »
Hey all, from Melbourne, Australia :)

We (Cath - who posts - and hubby Al) are both 40 and we have two boys (8 & 10). We are aiming at FI by 43 (I think, I might post a case study for review), but will be enjoying a SWAMI lifestyle on a part time basis for as long as we choose after that. That's what this is all about to me - the freedom to make choices :)
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MissNancyPryor

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Re: Say Hi and Introduce Yourself
« Reply #2719 on: March 27, 2016, 07:28:07 PM »
Hi-  Long time lurker.  Having a case of the Sundays after a week of vacation and was reading the Epic FU series, figured I would sign up officially.  I am doing my cross-eyed best to fly this 747 into retirement (thank you Karen Black for the screen name).  DH and I already have large 401(K) retirement 'stache in place and are working on a big cash bridge to live on until we can withdraw that penalty-free.  We are both engineers and have lived well below our means our entire lives.  No debt, no mortgage, last kid almost done with college on a cash flow basis.  We are the Millionaire Next Door in every respect and when we read that book 20 years ago instantly recognized ourselves as prodigious accumulators of wealth, PAWs.  Shared the book around and were surprised at how many friends said they could never live that way (what? as a millionaire?  it is easy, so much easier than an under-accumulator of wealth, UAW). 

So when to pull the rip cord and FIRE?  Certainly before I am 50, though the hubby may want to work longer since he is less disgusted with working life.  For me, that date is almost exactly 3 years if I can stand it that long.  My health is starting to suffer from my high-stress job.  I do have FU money but the working gig pays pretty dang good so staying in the game will assure I can jettison easily before I am 50, so I just have to practice meditating through the crapola.  I am pretty good at calling BS and not putting up with it at work but it still gets under my skin too much.  I am torn for all the reasons we all know about and discuss here daily.     

I read Dr. Doom's blog, livingafi.com, and align very much with his attitudes (love you, Doomie!).  I realize I will never enjoy a job- any job.  I resent spending my life pursuing work that is unsatisfying and makes me nauseous every single morning.  Seriously, I feel sick every day I go and I start dreading Mondays on Saturday mornings.  I lead a team of technical experts and I love my group but really loathe the company.  I am a good boss and my group really seems to like me too since I am not a company hack, but it is still a high stress environment.  Dr. Doom has a great chart of fears/emotions/realities and even though I could leave right now I still can't bring myself to do it.  It is not OMY, it is TMY in my world.  When I was 20 I said I would be done by the time I am 50 and I have cleared that financial bar by 5+ years but still can't do it.  Perhaps it will take a medical crisis for me to wake the hell up, God help me.   

In any case I am glad to be on the board and perhaps making a contribution here and there will offer a nice outlet as the goal becomes nearer and my spine becomes stronger. 
« Last Edit: March 27, 2016, 09:48:11 PM by MissNancyPryor »

FinanciallyIndependent

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Re: Say Hi and Introduce Yourself
« Reply #2720 on: March 29, 2016, 09:31:49 PM »
Hi everyone! My name is Raj Malhotra. My wife and I are engineers who migrated from India to LIVE THE AMERICAN DREAM and have saved over a million dollars since 2007. We are in our mid thirties and have both quit working in 2016 (due to the oil crash).  We have two kids 4 and 2 yr old.  We are super savers have gotten lucky in the stock market and have rode the bull from 2009 through 2014.  Now we have effectively stopped working (because we think we are financially independent) to spend more time with kids, family in India and each other. 
It has been a week since I was laid off (I didnt have guts to quit and retire).  Now I am enjoying time but have no idea what to do?  I grew up wanting to make money and that was the single aim my wife and I shared.  But we feel that we have saved a lot and its time to relax.  The idea seemed nice when I was working but now with nothing to do I actually feel like doing something.  This is where I need your help.  I have no idea what I want to do.  All my friends have jobs during weekdays so I cannot bother them.  Are there any highpaying part time flexible jobs that you have found?  What else can I do to not go crazy by sitting and staring at a wall and feeling useless?  Is this normal?

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Re: Say Hi and Introduce Yourself
« Reply #2721 on: March 29, 2016, 10:09:09 PM »
Hi everyone! My name is Raj Malhotra. My wife and I are engineers who migrated from India to LIVE THE AMERICAN DREAM and have saved over a million dollars since 2007. We are in our mid thirties and have both quit working in 2016 (due to the oil crash).  We have two kids 4 and 2 yr old.  We are super savers have gotten lucky in the stock market and have rode the bull from 2009 through 2014.  Now we have effectively stopped working (because we think we are financially independent) to spend more time with kids, family in India and each other. 
It has been a week since I was laid off (I didnt have guts to quit and retire).  Now I am enjoying time but have no idea what to do?  I grew up wanting to make money and that was the single aim my wife and I shared.  But we feel that we have saved a lot and its time to relax.  The idea seemed nice when I was working but now with nothing to do I actually feel like doing something.  This is where I need your help.  I have no idea what I want to do.  All my friends have jobs during weekdays so I cannot bother them.  Are there any highpaying part time flexible jobs that you have found?  What else can I do to not go crazy by sitting and staring at a wall and feeling useless?  Is this normal?

From what I hear, yes, this is normal.  There was someone either here or another forum who saw a financial planner with his dad and the planner asked his father something along the line of 'you're retired.  It's 11am on a Tuesday.  What are you doing?'.  It's a valid point - with all this time, what do you want to do?  If you previously filled your time with work, you might have run out of hobbies to pursue during the day.

Maybe go travelling?  You could spend a few months in one country, another few in the next and give your children the experience of other cultures?

If you want to remain local, you could get really into the local activities?  Take your kids to the library for Story Time, take up a musical instrument and play in a local group, join a gym.  You could also take up unpaid or low-paying work in a neglected area, such as helping the homeless or promoting a local arts group?

Thinkum

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Re: Say Hi and Introduce Yourself
« Reply #2722 on: March 30, 2016, 08:31:07 AM »
Hi everyone! My name is Raj Malhotra. ....  Is this normal?


Welcome and great job! Since you have kids, why not take them to the library, museums, and parks? On the personal front, why not volunteer? How about taking some classes? Here is a good introspective question you should consider, what did you enjoy doing when you were a kid? What did you dream of yet were maybe discouraged from doing?

No matter what though, I find that when you have all day to do as you wish, you will still have some extra down time. It is kind of a struggle for go-getter types, but you will get used to it and should be into a nice groove eventually. Good luck!

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #2723 on: March 30, 2016, 08:46:43 AM »
Hi everyone! My name is Raj Malhotra. My wife and I are engineers who migrated from India to LIVE THE AMERICAN DREAM and have saved over a million dollars since 2007. We are in our mid thirties and have both quit working in 2016 (due to the oil crash).  We have two kids 4 and 2 yr old.  We are super savers have gotten lucky in the stock market and have rode the bull from 2009 through 2014.  Now we have effectively stopped working (because we think we are financially independent) to spend more time with kids, family in India and each other. 
It has been a week since I was laid off (I didnt have guts to quit and retire).  Now I am enjoying time but have no idea what to do?  I grew up wanting to make money and that was the single aim my wife and I shared.  But we feel that we have saved a lot and its time to relax.  The idea seemed nice when I was working but now with nothing to do I actually feel like doing something.  This is where I need your help.  I have no idea what I want to do.  All my friends have jobs during weekdays so I cannot bother them.  Are there any highpaying part time flexible jobs that you have found?  What else can I do to not go crazy by sitting and staring at a wall and feeling useless?  Is this normal?

You've gotten quite a few good suggestions so far. You will probably find some awesome information in the Post FIRE section of the forums. Also, some of the journals of the people who've already caught FIRE (Jon_Snow and TheGoblinChief are two examples that come to mind, but there are a lot more). TGC does homesteading and home schooling, while JS is big on figuring out ways to appreciate the area you are in and combining hobbies and health.
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dots45

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Re: Say Hi and Introduce Yourself
« Reply #2724 on: March 30, 2016, 02:11:44 PM »
Hello,

I mainly decided to introduce myself here as I came across a couple other threads I couldn't resist making a comment on.  Figured I'd add something to this thread too.  I've been lurking for a few months before making my first post.

I'm 30 and live in the pacific NW.  I've always had somewhat frugal habits in my life.  It's not that I want to avoid spending money, but rather I want to get the most value out of it as I can.  This is what drew me into wanting to invest more.  I also do a lot of deal searching online and things such as earning CC bonuses to fund vacations and such.

I was raised with the mindset of avoiding debt, unless its for a home.  While I was told its good to invest, my parents ended up retiring just as the stock market was hitting bottom.  That did affect my mindset for a while.  Also, I was paying back student loans and saving up to put 20% down on buying a property, so I'm a bit further behind than I'd like to be in terms of investments.  But I accomplished those two goals and now live in a Condo and fortunately was able to buy just as real estate prices started shooting up.  I don't make a high salary for my area but I also don't have any debts outside of the mortgage, or any other expensive tastes.

I identify with a lot of the money saving concepts talked about here, though not all.  But I think as far as general mindset, I'm similar.  And sometimes reading about new or different ideas can be helpful, even if I may disagree.  My goals in the near future are to keep increasing my retirement contributions from what I made in 2016, build up my emergency fund to exactly where I want it to be, and to post more on the forums. 

techwiz

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Re: Say Hi and Introduce Yourself
« Reply #2725 on: April 01, 2016, 09:08:03 AM »
Hi,
I love the information and community here at MMM.

Look forward to participating in the Mustachian Forum.

I was doing everything right (getting debt free, saving for retirement, starting education savings for my kids as soon as they were born etc....) 
However I Really wished I had read this stuff years ago if I was a little bit more Mustanchian at the start I would already be "FIRE". 

nara

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Re: Say Hi and Introduce Yourself
« Reply #2726 on: April 02, 2016, 01:14:50 PM »
Hello! I've posted, but never introduced myself.

My husband and I are in our mid-30's (no kids). We like to try to be frugal (and succeed sometimes), but mostly it's a struggle. We are jumping in late to the game on retirement and were never good savers. My husband inherited a windfall recently which has allowed for us to be debt-free and buy our first home. However, we really want to learn how to manage this new wealth as best as possible so that we may catch up on retirement goals and develop better habits. We now have our dream lifestyle of being self-employed and homesteaders..which has forced us to reexamine some of our financial/budgeting issues and to simplify a bit more. This site is a huge motivator.

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Re: Say Hi and Introduce Yourself
« Reply #2727 on: April 02, 2016, 10:16:37 PM »
Hello!  I've been interested in FIRE and frugality since I was a teenager, and have been checking in on MMM for a few years.  This is the first time I've ventured into the forums, though.  Recently I've been taking more purposeful steps towards FIRE, but I don't really have any friends or acquaintances IRL who are on that path (that I know of), so I'm interested in learning from (and hopefully contributing to) the community. 

Demographics-wise, I'm a single 33 y.o. woman, live in a medium-sized Midwestern city, with a secure tech job I generally like and which pays ok.  No debt besides my mortgage.  I've been in my condo for two years, and I'm on track to have it paid off in another 2-3yrs.  I calculate my savings rate at 58%, and estimate I'll be FI within 10 years.

Cyaphas

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Re: Say Hi and Introduce Yourself
« Reply #2728 on: April 03, 2016, 01:25:14 AM »
Hello everyone! Thank you for being the intelligent, awesome, frugal, inspiring bunch that you have been so far!

Looooooong time lurker. Finally registered! I've been a huge prophet for frugality for a few years now. Before MMM I thought I was a sane man in a sea of insanity. I've found this place to be a nice little island of clarity and I have many of you to thank for that.

My fiance and I are all about being and staying debt free. We will have the house paid off by the wedding date next January (On Oahu!)

I've lived in WA, WI, CA and TX. I currently live in the DFW area (White Settlement.) I work for a major transportation company and do a lot of side jobs to keep myself from getting too bored.
 
“For to be free is not merely to cast off one’s chains, but to live in a way that respects and enhances the freedom of others.”
-Nelson Mandela

“Gold is the money of kings, silver is the money of gentlemen, barter is the money of peasants – but debt is the money of slaves.”
-Norm Franz

DreamPassion

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Re: Say Hi and Introduce Yourself
« Reply #2729 on: April 03, 2016, 09:02:41 PM »
Hi to all! This is a good site for current plans especially about investments. I'm happy to join the community here. I'm looking forward to more tips around. Have a wonderful day ahead!

tiffany24

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Re: Say Hi and Introduce Yourself
« Reply #2730 on: April 04, 2016, 08:28:24 AM »
Hi all! I'm Tiffany. I stumbled upon this forum and other FI blogs. I never considered early retirement but have always been a saver. Now i'm hooked and eager to learn all about this community!

Age: 24 (almost 25!)
Gender: Female
Location: Boston, MA
Occupation: Analyst
Dependents: None
Debt Status: Debt free
Current Objective: Learn all things investing (have been using betterment to get started)
Next Objective: Save enough that down the road when i decide I want to have kids I can stay at home full time. I'd love for my boyfriend to be able to do the same!

Cyaphas

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Re: I'm so pleased to have found you!
« Reply #2731 on: April 04, 2016, 10:31:54 PM »
Hello all!
I feel like I've come home... I was raised with similar thoughts around spending, but in recent years, I've felt myself slipping. I just built a tiny house, and put the balance on credit cards. I've paid off half of the debt, but I've got $37,000 to go. My goal is to nuke that this year. A funny thing happens when in debt... It sure gets easy to charge more! I could sure use all the encouragement I can get! I'm so pleased to start really looking at my finances and cutting back in the places where spending has got out of hand!

http://www.mrmoneymustache.com/2012/04/18/news-flash-your-debt-is-an-emergency/


It sucks how 'natural' and prolific debt has become today. It really bothers me how many people I work around who make well over 6 figures and everything they own is through debt. When I take part in conversations at work that are soaked in debt and consumerism, I find myself screaming in my mind. It truly doesn't make any sense to constantly carry debt and especially over such frivolous things. When I see new cars, boats and giant empty houses I can't help but ask myself; this is worth debt slavery?

When I started writing this post I really thought it was going to be a bit more inspirational.

TLDR: I think of debt as slavery and it makes persoanlly buying things a lot harder, especially through debt.


“For to be free is not merely to cast off one’s chains, but to live in a way that respects and enhances the freedom of others.”
-Nelson Mandela

“Gold is the money of kings, silver is the money of gentlemen, barter is the money of peasants – but debt is the money of slaves.”
-Norm Franz

steve.edmund

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Re: Say Hi and Introduce Yourself
« Reply #2732 on: April 05, 2016, 02:20:53 AM »
Hello, I'm Steve.  I'm a US government contractor, living and working in Kuwait.  I'm 34, married with a 6 year old daughter.  My wife and daughter live in the US.  I stumbled onto this site last week and have really enjoyed the plethora of reading material. 
It's lit a fire beneath me and gotten me motivated to start saving for retirement and be able to return to my family.  So far I have saved basically nothing due to poor choices on my and my wife's part but I intend to turn that around starting NOW.
"What matters most is how well you walk through the fire." -Bukowski

marty998

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Re: Say Hi and Introduce Yourself
« Reply #2733 on: April 05, 2016, 04:12:54 AM »
Hi!  I'm Kevin.  I'm 27 and married to a pretty great lady with our first child on the way.  I'm at the very beginning of my FI journey, and have really enjoyed looking through the MMM blog the past few days.  I'm looking forward to learning more!

Interesting user name considering the content of the post :)

Dollar Slice

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Re: Say Hi and Introduce Yourself
« Reply #2734 on: April 05, 2016, 09:57:38 AM »
Hi!  I'm Kevin.  I'm 27 and married to a pretty great lady with our first child on the way.  I'm at the very beginning of my FI journey, and have really enjoyed looking through the MMM blog the past few days.  I'm looking forward to learning more!

Interesting user name considering the content of the post :)

I wouldn't worry, he's probably just an old-school Tom Waits fan...

http://www.youtube.com/watch?v=Q7JlVJymax4

...it's not at all alarming that people have started quoting me in their siggy lines.

Miss Piggy

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Re: Say Hi and Introduce Yourself
« Reply #2735 on: April 05, 2016, 01:50:19 PM »
Hi. I'm Miss Piggy. (Well, I'm not the REAL Miss Piggy. She's a little cuter than I am, but I'm a little thinner than she is.) 

I haven't lurked here for very long, but this seems like a good group of people who encourage each other. My husband and I are debt-free as of about 5 years ago, but I seem to have lost my motivation for saving. We worked our tails off to pay off our house and invest, and now...well...I need to jump back on that wagon. Hoping to learn and share a few things here with you.

Chris M.

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Re: Say Hi and Introduce Yourself
« Reply #2736 on: April 05, 2016, 02:46:51 PM »
Hi, I'm Chris.  I read about MMM in the New Yorker article (yes, I have a subscription, very wasteful I suppose, but luckily I get it as a gift). 

It has been very refreshing and inspiring to read the blog posts.  It's like a dose of tonic counter-acting 24/7 doses of consumerism from
every front pushing you to "buy buy buy".  It's causing me to re-think a lot of things.  My wife and I are fortunately already fairly frugal and debt-averse,
and in great financial shape.  But I'm realizing that there are a lot of expenditures that could get much smaller and thereby result in bigger savings in
the bank.  I've been biking more and making my lunches rather than buying them, for example.  The little things add up!  And reading MMM really
has helped me think more before succumbing to consumer temptations.

Chris-93AUS

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Re: Say Hi and Introduce Yourself
« Reply #2737 on: April 05, 2016, 11:34:25 PM »
Hello All

Long time MMM lurker here, finally decided to sign up for the forum.

My name is Chris I'm 23, live in Hobart Tasmania - shout out to the other Aussies and any Tasmanians.. :)

SteelBrigade82

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Re: Say Hi and Introduce Yourself
« Reply #2738 on: April 06, 2016, 02:59:20 PM »
Hello.  I've visited this site a few times over the years and finally wanted to stop by and sign up.  To be honest, I find MMM to be a bit strong to my liking but both Mr and Mrs MM have done it right and I hope to be in a similar spot that they (and many of you all) are in one day.

My first objective is to sell my vehicle (thankfully it actually has some equity in it) and use that money to buy a more full-efficient vehicle.

BECABECA

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Re: Say Hi and Introduce Yourself
« Reply #2739 on: April 06, 2016, 05:31:41 PM »
Hi! A job relocation saw us sell our house in the SF Bay Area last Fall, with the plan to rent in Southern Californa for ~6 months while we decided which neighborhood to buy our new house in. Luckily, a Google search for what to do with a bunch of liquid cash in the interim brought up an MMM article and I've been reading back through all the posts from the beginning (including all the comments, so it's taking me quite a while).

I've always been quite frugal, but I've still picked up quite a few gems from this blog. Since stumbling across MMM, we've bought bikes, have opted not to replace the second car that we sold in the move, have purchased a house that is less than 10 minutes from work, got our home loan through SoFi, and have added some Vanguard admiral shares to our portfolio, and discovered that my cousin is also a diehard mustachian!

Looking forward to all the things I'll learn as I make my way through the rest of the articles!

hodor

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Re: Say Hi and Introduce Yourself
« Reply #2740 on: April 07, 2016, 12:04:48 AM »
Another Aussie joining up here, I have been looking around for a couple of weeks so thought I might as well join up.



scrnplyr

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Re: Say Hi and Introduce Yourself
« Reply #2741 on: April 08, 2016, 02:33:22 PM »
Hi-  Long time lurker.  Having a case of the Sundays after a week of vacation and was reading the Epic FU series, figured I would sign up officially.  I am doing my cross-eyed best to fly this 747 into retirement (thank you Karen Black for the screen name).  DH and I already have large 401(K) retirement 'stache in place and are working on a big cash bridge to live on until we can withdraw that penalty-free.  We are both engineers and have lived well below our means our entire lives.  No debt, no mortgage, last kid almost done with college on a cash flow basis.  We are the Millionaire Next Door in every respect and when we read that book 20 years ago instantly recognized ourselves as prodigious accumulators of wealth, PAWs.  Shared the book around and were surprised at how many friends said they could never live that way (what? as a millionaire?  it is easy, so much easier than an under-accumulator of wealth, UAW). 

So when to pull the rip cord and FIRE?  Certainly before I am 50, though the hubby may want to work longer since he is less disgusted with working life.  For me, that date is almost exactly 3 years if I can stand it that long.  My health is starting to suffer from my high-stress job.  I do have FU money but the working gig pays pretty dang good so staying in the game will assure I can jettison easily before I am 50, so I just have to practice meditating through the crapola.  I am pretty good at calling BS and not putting up with it at work but it still gets under my skin too much.  I am torn for all the reasons we all know about and discuss here daily.     

I read Dr. Doom's blog, livingafi.com, and align very much with his attitudes (love you, Doomie!).  I realize I will never enjoy a job- any job.  I resent spending my life pursuing work that is unsatisfying and makes me nauseous every single morning.  Seriously, I feel sick every day I go and I start dreading Mondays on Saturday mornings.  I lead a team of technical experts and I love my group but really loathe the company.  I am a good boss and my group really seems to like me too since I am not a company hack, but it is still a high stress environment.  Dr. Doom has a great chart of fears/emotions/realities and even though I could leave right now I still can't bring myself to do it.  It is not OMY, it is TMY in my world.  When I was 20 I said I would be done by the time I am 50 and I have cleared that financial bar by 5+ years but still can't do it.  Perhaps it will take a medical crisis for me to wake the hell up, God help me.   

In any case I am glad to be on the board and perhaps making a contribution here and there will offer a nice outlet as the goal becomes nearer and my spine becomes stronger.

 "...I realize I will never enjoy a job- any job..."

lmao...i'm in the same sinking boat.  I should have practiced my guitar more.
"You know what they say, the first million is the hardest" - G. Costanza

Nigel Tufnel: "This goes to 11"

"Why do you want to re-tire? Aren't you tired enough?" - Tom the yard man

scrnplyr

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Re: Say Hi and Introduce Yourself
« Reply #2742 on: April 08, 2016, 02:33:42 PM »
Hi-  Long time lurker.  Having a case of the Sundays after a week of vacation and was reading the Epic FU series, figured I would sign up officially.  I am doing my cross-eyed best to fly this 747 into retirement (thank you Karen Black for the screen name).  DH and I already have large 401(K) retirement 'stache in place and are working on a big cash bridge to live on until we can withdraw that penalty-free.  We are both engineers and have lived well below our means our entire lives.  No debt, no mortgage, last kid almost done with college on a cash flow basis.  We are the Millionaire Next Door in every respect and when we read that book 20 years ago instantly recognized ourselves as prodigious accumulators of wealth, PAWs.  Shared the book around and were surprised at how many friends said they could never live that way (what? as a millionaire?  it is easy, so much easier than an under-accumulator of wealth, UAW). 

So when to pull the rip cord and FIRE?  Certainly before I am 50, though the hubby may want to work longer since he is less disgusted with working life.  For me, that date is almost exactly 3 years if I can stand it that long.  My health is starting to suffer from my high-stress job.  I do have FU money but the working gig pays pretty dang good so staying in the game will assure I can jettison easily before I am 50, so I just have to practice meditating through the crapola.  I am pretty good at calling BS and not putting up with it at work but it still gets under my skin too much.  I am torn for all the reasons we all know about and discuss here daily.     

I read Dr. Doom's blog, livingafi.com, and align very much with his attitudes (love you, Doomie!).  I realize I will never enjoy a job- any job.  I resent spending my life pursuing work that is unsatisfying and makes me nauseous every single morning.  Seriously, I feel sick every day I go and I start dreading Mondays on Saturday mornings.  I lead a team of technical experts and I love my group but really loathe the company.  I am a good boss and my group really seems to like me too since I am not a company hack, but it is still a high stress environment.  Dr. Doom has a great chart of fears/emotions/realities and even though I could leave right now I still can't bring myself to do it.  It is not OMY, it is TMY in my world.  When I was 20 I said I would be done by the time I am 50 and I have cleared that financial bar by 5+ years but still can't do it.  Perhaps it will take a medical crisis for me to wake the hell up, God help me.   

In any case I am glad to be on the board and perhaps making a contribution here and there will offer a nice outlet as the goal becomes nearer and my spine becomes stronger.

 "...I realize I will never enjoy a job- any job..."

lmao...i'm in the same sinking boat.  I should have practiced my guitar more.
"You know what they say, the first million is the hardest" - G. Costanza

Nigel Tufnel: "This goes to 11"

"Why do you want to re-tire? Aren't you tired enough?" - Tom the yard man

Interex

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Re: Say Hi and Introduce Yourself
« Reply #2743 on: April 09, 2016, 05:00:38 AM »
Hi - just joined as I was looking for an Ebates referal link.  Found a great community!

NuAmerican

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Is MMM sponsored by Vanguard
« Reply #2744 on: April 10, 2016, 06:38:14 PM »
I am getting a lot out of your site, and I appreciate what I have learned. I am also a cynic. In all transparacny, does Mr MM or Mrs MM receive compensation form Vanguard?

Dollar Slice

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Re: Is MMM sponsored by Vanguard
« Reply #2745 on: April 10, 2016, 07:10:08 PM »
I am getting a lot out of your site, and I appreciate what I have learned. I am also a cynic. In all transparacny, does Mr MM or Mrs MM receive compensation form Vanguard?

Hi NuAmerican :-)

MMM has a page discussing affiliates: http://www.mrmoneymustache.com/affiliates/  He specifically mentions not getting paid by Vanguard because they have no affiliate program.
...it's not at all alarming that people have started quoting me in their siggy lines.

gimmi80

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Re: Say Hi and Introduce Yourself
« Reply #2746 on: April 11, 2016, 07:25:05 AM »
Hi,

new member from Upstate NY, sharing the goal of FI.
-gimmi80

Frugal Lizard

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Re: Say Hi and Introduce Yourself
« Reply #2747 on: April 11, 2016, 11:27:05 AM »
Until I found out about MMM in the Globe and Mail at New Years, it hadn't occurred to me to retire early.
My dad worked at a day job until 8 months ago but officially retired so that he could work more hours at his farm.  He turned 75 in December.  My father in law bumped into mandatory retirement and then spent two years being depressed. 
I have been working a few hours a week from home but am primarily a stay at home mom.  My husband had a good r&d job in automotive so after mat leave with youngest ended, I quit the job I disliked in 2005.  A few years later my DH had a decent severance package and no job prospects.  My work is development industry so earnings dried up about 14 months later for me.  We hunkered down and looked at the severance money for tuition.  We were mortgage free and had some savings.  DH went back to school after six months of job hunting with not even one job that he had the experience for being advertised.  He did three semesters full time and started a new job at an entry level salary 20 months after the layoff. 
We were still doing ok but we decided to move to a better house in a much better neighbourhood that week. Crazy timing but all the other families had moved out of the neighbourhood and every house had been purchased for rental income properties.  Our block was quickly becoming a student ghetto.  We took out enough mortgage on the new house to allow us to make some improvements and cover some of the training courses that hubby needed to get his professional designation.  Things were very tight but we didn't touch our retirement savings or borrow any other money. I don't think the kids felt poor.
We are now living in our one mile for the most part - although hubbies work place is two miles away.  We have amazing neighbours. Any of these neighbourhood kids can come and live with me - they are fantastic kids.  Non-parents probably can't fully appreciate the merit of this but it is pure gold.  We can walk to the river and I can tell the kids to come home for supper and not worry. 
This past October, my DH got a raise that now exceeds what he earned in 2008.  There is potential for continued growth and he is really good at what he does.  The kids are old enough that they don't need me to be at home after school although they really like it.  I am working on expanding my business network and am seeing some gains there.
We are older than a lot of the Mustachian community but our income is a lot less than most people our age.  We have a some wealth accumulated from our hard work fixing up houses and past savings. And we have had a lot of experiences that many have not yet had the opportunity to.
I had thought that I would be working until my 80's until I discovered MMM.  Time to really think about the life we want.  Wonderful way to see what others are choosing.
Seeing the possibilities

CGooden

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Re: Say Hi and Introduce Yourself
« Reply #2748 on: April 12, 2016, 12:18:21 PM »
Hi, i'm new here, looking to learn from others experiences and hoping to provide people with whatever insight i have as well. Looking forward to it!

drunkenNoodles

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Re: Say Hi and Introduce Yourself
« Reply #2749 on: April 12, 2016, 02:56:08 PM »
Hi. Newbie. A few months of lurking. 29 and working tirelessly to pay off student loan debt (my only debt), but still crippling.

Began as a wise, thrifty youth. Lost control in college and early-twenties. In late-twenties now and thanks to some hard-learned money lessons, lots of research, and MMM, I have the mental part right. Now I'm working on the wallet part and striving for FI.

From NYC and living there currently, optimizing my budget and income to get FI in this depraved little city.

Really looking forward to contributing and interacting with the awesome MMM members.

Any New Yorker's or anyone visiting, feel free to reach out!