Author Topic: Say Hi and Introduce Yourself  (Read 534250 times)

notarealdoctor

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Re: Say Hi and Introduce Yourself
« Reply #2750 on: April 12, 2016, 04:14:13 PM »
Hi, I'm new to the forums, but have been reading the blog since last fall.

I'm 30, married, and a new father. I started feeling the need to learn about personal finance when I realized I was going to be a dad, so I started reading everything I could online and found that I really enjoyed the subject, as well as the insights that MMM have given me into what is possible. Thankfully, our family doesn't have and hasn't had too much debt other than student loans.

I'm also a PhD student in Colorado (so my student loans haven't been accruing interest for the last 7 years), almost finished with my dissertation, and unfortunately realized in the past year or so that I don't really have any interest in spending the rest of my life in academia, so I'm currently on a quest to both find a new career and eventually become FI.

I'm excited to finally get connected with the community here!

ecomic

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Re: Say Hi and Introduce Yourself
« Reply #2751 on: April 13, 2016, 02:43:04 AM »
Hi everyone

I'm glad joining that nice community! Hope i learn more!
My economic tips in Smart Finance Mag

mattattack08

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Re: Say Hi and Introduce Yourself
« Reply #2752 on: April 13, 2016, 10:33:39 AM »
Hello, 

I'm new to the forum. My name is Matt and I'm from San Antonio TX.  Before I learned about MMM and the other great bloggers, I knew I wanted to retire early.  My wife's grandfather retired relatively early back in 1998 (IIRC) at around age 50.  Because of him, I knew I wanted to retire early too.  It wasn't until about Aug. of last year I stumbled upon Mr1500day's blog and soon after MMM.  I realized I really wanted FI more than RE.  Hope to learn a lot and contribute when I can.  Thanks.
"If death is the penalty for proclaiming the truth, I'll proudly and defiantly pay" -Against All Authority

Check out my blog: http://unrealthrashof1866.blogspot.com/

ESCH

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Re: Say Hi and Introduce Yourself
« Reply #2753 on: April 13, 2016, 09:36:15 PM »
Hi, I am 32 years old. When I was 19 I dropped out of college because I had a daughter and went into the workforce, quickly getting promoted and making great money at the time. Initially I was very frugal (my dad had RE, when I was in junior high) and I had picked up some of his habits. I was working a lot, taking care of my daughter (her mom dissapeared) and saving a lot without really even trying. However, within a couple years I saw my money growing and started thinking I need to enjoy life. I started spending like crazy. I stopped building savings. Three years ago I started a side business that did very well through dumb luck, and got married two years ago. Between my wife's income, my income, and my side business, we made over 220k each year in 2014 and 2015, yet my net worth was going nowhere. In early 2016 I decided enough was enough. I was making great money but spending it just as fast, and I was spending it on things that gave me happiness for only a short period of time. I came to realize I was more depressed than ever, and to see 440k of earnings in two years get frittered away with virtually nothing to show for it made me so disgusted at myself and what I had become. I finally drew the line in the sand and decided I was going to return myself to my old habits. I started reading MMM (refferal from my brother). The past two months I have been buying only necessities, drawing up a budget, cash flow projections and net worth projections. From 2003 until February 2016 I had built 378k in networth (most of that being 401k savings from 2003 to 2010 that grew with the market). I see myself/wife bringing in 250k in 2016 and 2017, and I should have a net worth of approx $500k by end of 2016 and $625k by the end of 2017. Although I'm disgusted by my financial behavior in the previous 5 years or so, I'm overjoyed with where I am headed. I feel like the people staring at there shadows in "The Allegory Of The Cave" and in the past couple months, I have finally seen the daylight. The past is the past, and I am extremely lucky in my ability to have very healthy earnings while living in a low cost-of-living area. My long-tem goals are to split our savings between retirement accounts and real estate rental properties and slowly but surely grow a real estate mini-empire that can not only set my wife and I up for the rest of our lives, but our children and (eventual) grandchildren as well.
« Last Edit: April 13, 2016, 10:14:50 PM by ESCH »

PursuingIndependence

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Re: Say Hi and Introduce Yourself
« Reply #2754 on: April 14, 2016, 11:27:05 AM »
Hello!

My boyfriend "introduced" me to MMM a couple years ago. I enjoy MMM's frankness, writing style, and was envious of his lifestyle so I read through all the posts but never got into the forums. After reading through I started a budget, changed my spending habits and now have moved to paying off my only debt, student loans.

However, I noticed though that this last year I spent more than I should have. So I had another "come-to-MMM moment" and have started to get into the forum. Most of my friends and family are happy to spend everything they have and can while I try to be a good influence they can be a bad influence on me. This forum has helped me remember why I do what I do and to go through my budget again. I'm sure I will continue to get inspired by others here and will stay on the path to independence!

crillswilson

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Re: Say Hi and Introduce Yourself
« Reply #2755 on: April 14, 2016, 02:07:09 PM »
Hi Mustachians,

I am pretty new to this, but I'm hoping to get my mustache on. Is there a specific forum for posting sob stories and enlisting there-there's? I've got a bit of work to do on my habits and I wish I'd started earlier.

All the best,
Willie

steamboat89

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Re: Say Hi and Introduce Yourself
« Reply #2756 on: April 18, 2016, 05:42:33 PM »
Hi, I'm Steve.  I'm a firefighter for Kansas City.  I've been a reader of MMM for a year or so and I've decide it's about time for me to start using this great forum feature.  Looking forward to asking questions and helping others on this site.   

runningthroughFIRE

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Re: Say Hi and Introduce Yourself
« Reply #2757 on: April 19, 2016, 08:23:48 AM »
Hi Mustachians,

I am pretty new to this, but I'm hoping to get my mustache on. Is there a specific forum for posting sob stories and enlisting there-there's? I've got a bit of work to do on my habits and I wish I'd started earlier.

All the best,
Willie
I'm afraid we don't do there-there's here, but you're welcome to a hearty facepunch and plenty of advice if you're willing to be open to it.  If you'd like specific advice, and don't mind sharing the details, you can always post a case study for your situation.

everymonies

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Re: Say Hi and Introduce Yourself
« Reply #2758 on: April 19, 2016, 03:57:42 PM »
Hi.

I've been reading the blog for a long time and finally decided to sign up for the forums. We are just about to make a move from the quite expensive city we live in, to a smaller town. Can't wait for a more walk-able lifestyle!

Gone

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Re: Say Hi and Introduce Yourself
« Reply #2759 on: April 20, 2016, 10:38:36 AM »
Hello!

I'm WestCanary. I'm from the south, and I don't like birds.

I'm a library manager who has always been frugal, but I recently had my first experience of "I would enjoy this job more if I didn't rely on it." My first real encounter with the stress of salary slavery convinced me that if I really want to keep enjoying my life and my work, I can't have one rely upon the other.

I've been a longtime reader of MMM. I've adopted quite a few of the tricks to save coin (and not adopted others cause I felt like they didn't apply to me). But I feel like it's time to really buckle down and figure out where I want to go from here.

Anyway, glad to be here folks!

NickM

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Re: Say Hi and Introduce Yourself
« Reply #2760 on: April 21, 2016, 06:27:33 PM »
Hi Guys!

I'm a self made entrepreneur that's had an interest in financial freedom since I understoood the concept of money as a kid.

The idea that money makes more money has always turned me on and it' been a focus of my journey as an adult in everything I do professionally.

In my prevous job of 10 years I worked as a director of an international commercial property firm, during which time I built up a decent sized residential investment portfolio. I then make the leap to start an online business and go out on my own. As it stands my wife and I have a net worth over $2mil and I run a company with 12 employees and thousands of customers dotted across the world at the age of 34.

I love the idea behind this community of like minded people and hope to be able to learn and contribute to the hundreds of ideas on this site.

Thanks :)

Nick 


FIREby2021

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Re: Say Hi and Introduce Yourself
« Reply #2761 on: April 22, 2016, 10:27:07 AM »
Hi folks,

Been lurking, learning and reading MMM, jlcollins, GCC for the last year or so, and it has resonated with many of our goals and practices.  Wife and I have been in the mode of optimizing what we do and refining our goals - may start a journal on here to track the final path, as I find it hard to capture my thoughts within a spreadsheet.  Anyway, hello from TX with respect for the collective here.

FIREby2021

ecomic

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Re: Say Hi and Introduce Yourself
« Reply #2762 on: April 23, 2016, 12:32:48 PM »
Hi Im Mark, I always run to places. Financial advisor. Clumsy as hell.
My economic tips in Smart Finance Mag

beelea

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Re: Say Hi and Introduce Yourself
« Reply #2763 on: April 23, 2016, 08:38:39 PM »
Hi, my name is Merin, and I live in central Kentucky. I've been reading this blog and forum for ages, but registered just today. Glad to be a part of the community now! Honestly, I registered today because I reached a financial goal this week ($250K), and I have almost no one to share it with. Most of my peers are in a very different financial situation than I am, and I don't think telling them or asking them to celebrate with me would go over well, so here I am.

annieme

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Re: Say Hi and Introduce Yourself
« Reply #2764 on: April 24, 2016, 09:56:49 AM »
Hi, my name is Merin, and I live in central Kentucky. I've been reading this blog and forum for ages, but registered just today. Glad to be a part of the community now! Honestly, I registered today because I reached a financial goal this week ($250K), and I have almost no one to share it with. Most of my peers are in a very different financial situation than I am, and I don't think telling them or asking them to celebrate with me would go over well, so here I am.

Congratulations on reaching your goal! 

Allen Farlow

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Re: Say Hi and Introduce Yourself
« Reply #2765 on: April 25, 2016, 06:40:09 PM »
Just stopping in here to introduce myself. I'm Allen. I'm a real person, just like you. I didn't even know about Mr. Money Mustache.com until I was in the middle of a Google search today. Crazy, huh?! If I had known about this I would have joined years ago. Now if you'll excuse me I have a ton of reading to catch up on!
« Last Edit: April 25, 2016, 06:44:28 PM by Allen Farlow »

Mistake Maker 500

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Re: Say Hi and Introduce Yourself
« Reply #2766 on: April 26, 2016, 01:21:44 AM »
Starting over is nothing new to me.  This is the first time I've started with a serious goal in mind.  I'm 38 now & I want to retire.  I look at this site & I want to beat myself in the head with a frying pan.  I could be retired right now if I had started the right way on my way out of high school.  The first of many, many mistakes. 

What to do now?  The only thing any of us can - do better than I'm currently doing.

rp2030411

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Re: Say Hi and Introduce Yourself
« Reply #2767 on: April 26, 2016, 04:02:39 PM »
Hello
I'm Joe. Long time MM reader, finally joined the Forums. Thanks to everyone for all of the helpful info.


weetziebat

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Re: Say Hi and Introduce Yourself
« Reply #2768 on: April 26, 2016, 05:38:52 PM »
Hi everyone! I've been a MMM blog lurker for a couple weeks and I finally signed up here to meet and chat with some fellow Mustachians. I'm pretty new to all of this but I really feel like the Mustachian way of life is so much more aligned with my own values and the way I want to live my life. Currently living in Los Angeles, CA, and working the 9-5 grind in a big tower downtown. Avid reader, knitter, painter, and biker. Hi :)

BrianHM

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Re: Say Hi and Introduce Yourself
« Reply #2769 on: April 26, 2016, 11:39:17 PM »
Hello!!

I'm Brian... just found this site tonight.  Hardly know where to start, being somewhat ADD doesn't really help much!  I'm 57, four years from full pension but wishing I could walk out the door today (experiencing a significant level of burnout).  Never really good with money (mostly the ADD thing and not having great habits), hoping to find some direction here.  The thought of the upcoming necessity of decluttering and downsizing makes me hyperventilate.

::takes deep cleansing breath, then folds up paper bag::

Living with me here in Massachusetts are husband of 30 years, two cats, two very full junk rooms (AKA home office and garage), assorted dust bunnies that may or may not be animate, carpenter ants and the occasional garter snake that wanders in from the back yard when the frog supply has diminished.

Looking forward to diving in!

~B
"Music washes away from the soul the dust of everyday life."   -Berthold Auerbach

jimsmith

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Re: Say Hi and Introduce Yourself
« Reply #2770 on: April 27, 2016, 11:08:48 AM »
Hi folks--

Thanks for a wonderful site and vibrant community.

Having inherited a thrifty disposition from my parents, I'm looking forward to sharing whatever modest contributions I can make, and hope to receive advice+pointers myself.

Thanks again!
jimsmith

sustythemes

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Re: Say Hi and Introduce Yourself
« Reply #2771 on: April 28, 2016, 12:24:19 PM »
Hi there,

Have been enjoying the posts for a while now, and just got in tune with the forum.  Looks like a great community.

I'm Julie ~ left my corporate job at 51, which seemed 'early' to me until I read about all of you!

Cheers

Chanel No5

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Re: Say Hi and Introduce Yourself
« Reply #2772 on: April 29, 2016, 07:07:33 AM »
Hello to all,

I am from New England and taking bold steps to make positive changes for a better quality of life. At this time, I am looking at what I have, what I value, what is the return and what may never happen again. I tend to be a little dreamy and hope things will just work out. Maybe someday people will understand me and I will understand them. Well, sometimes, it's not going to happen.

I like a quiet life out in a quiet town. I have a job but like most, it pays the bills and not too fulfilling, not many future prospects. I love to be at home, read, cook, garden, and write. I tend to be earth conscience and make many choices in the hopes I am doing my small bit to be responsible for what I do.

I finally cut the cable company yesterday. I tried to negotiate a better rate but found I was hearing a lot of marketing crap. I got a "better" offer when I asked to cancel service, but the better offer already had strings attached. So, I turn in the equipment Monday and will be readjusting. I hardly watch, but want to be informed, hardly go on line, but sometimes want to so options will have to be considered. My town library offers free wifi and that's most likely what I'll have to do. I use my PC at work to go online as well, but I hopefully don't abuse that opportunity.

I am back in school now taking on-line courses. My employer is supporting that so I can use the work PC to do many school related projects. Not sure how much posting I will do, but the reading is so interesting. I am glad to see how many people are working at improving life quality through choices they are making.

See you out there :)

RedmondStash

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Re: Say Hi and Introduce Yourself
« Reply #2773 on: May 01, 2016, 09:40:58 AM »
Hello to all,

I am from New England and taking bold steps to make positive changes for a better quality of life. At this time, I am looking at what I have, what I value, what is the return and what may never happen again. I tend to be a little dreamy and hope things will just work out. Maybe someday people will understand me and I will understand them. Well, sometimes, it's not going to happen.

I like a quiet life out in a quiet town. I have a job but like most, it pays the bills and not too fulfilling, not many future prospects. I love to be at home, read, cook, garden, and write. I tend to be earth conscience and make many choices in the hopes I am doing my small bit to be responsible for what I do.

I finally cut the cable company yesterday. I tried to negotiate a better rate but found I was hearing a lot of marketing crap. I got a "better" offer when I asked to cancel service, but the better offer already had strings attached. So, I turn in the equipment Monday and will be readjusting. I hardly watch, but want to be informed, hardly go on line, but sometimes want to so options will have to be considered. My town library offers free wifi and that's most likely what I'll have to do. I use my PC at work to go online as well, but I hopefully don't abuse that opportunity.

I am back in school now taking on-line courses. My employer is supporting that so I can use the work PC to do many school related projects. Not sure how much posting I will do, but the reading is so interesting. I am glad to see how many people are working at improving life quality through choices they are making.

See you out there :)

Hi Chanel -- we just cut cable ourselves (but not internet), and we've discovered that you can get decent TV reception with modern antennas as long as your TV is new enough to have its own digital decoder. Some channels come in better than others, of course. We have tall trees and an indoor antenna, so we get a few channels with strong reception and a few others with weak reception and a lot of pixelation.

Adge

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Re: Say Hi and Introduce Yourself
« Reply #2774 on: May 04, 2016, 07:48:53 AM »
Hello all! Another long-time lurker here who finally decided to make it official ;) Started reading MMM on a boring day in the office back in the fall, and it was exactly the kick in the pants I needed! I'm in my late twenties and have always been frugal, often by necessity, and have been saving money since I was 5, but in the few months since I started reading the site I've already started to make changes, and to see the real value of frugality as a path to freedom. Glad to be a new part of the community :)

prefixcactus

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Re: Say Hi and Introduce Yourself
« Reply #2775 on: May 04, 2016, 09:00:31 AM »
Hi!
I'm Ivan, also known to my friends as Cactus, an MSU student form Moscow with a cool bicycle, a serious DIY electronics addiction and a dream of making the world a great deal better someday, either with the power of SCIENCE, or with whatever other source of power I could lay my hands on :)

Naturally frugal by virtue of never having a lot of money to spend (but forcing myself to spend less than what I'm getting and 'stash the rest anyway, since I still have some terrible habits to get rid of, like eating in fast-food chains) and went through a serious philosophy shift recently due to a breakup with my (first and only so far) girlfriend, which paradoxically made me a lot happier with my life (but still occasionally missing the good times) in the end.

Full details on my situation in a full-size journal intro post, which I am hereby challenging myself to write before the end of the week for fear of Officially Obtaining the title of Soft-Bodied Wussypants.
« Last Edit: May 04, 2016, 11:25:06 AM by prefixcactus »

stacieh

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Re: Say Hi and Introduce Yourself
« Reply #2776 on: May 05, 2016, 12:42:13 PM »
Long time lurker here, I'm from south Texas in my early 30's. I've been "smart" with money, but I really need the motivation to start pouring money into my retirement accounts to make early retirement a priority. I would like to retire at 50; my husband says he has no desire to retire ever and would be incredibly bored. He does contribute to his 401(k) though and I contribute to my Roth and my company Simple IRA. Time to start funneling more money though into my retirement accounts; I would like to save as must as possible in the next 20 years to make early retirement feasible.

moustachibana

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Re: Say Hi and Introduce Yourself
« Reply #2777 on: May 07, 2016, 10:16:15 AM »
Hi, everyone.

I've been following Mr. MM since 2014 and decided to sign up. The presentation was long overdue. Just a random stranger that isn't very good at introductions.

pylonian

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Re: Say Hi and Introduce Yourself
« Reply #2778 on: May 08, 2016, 06:29:27 PM »
New to MMM, have been a Dave Ramsey follower with a love-hate relationship with his methodology and attitude, and finding this community pretty refreshing. Some recent life changes have me and DW thinking about larger scale lifestyle management along the lines of what MMM discusses - though with our own particular flare of course. Looking forward to diving in.

Kaybee

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Re: Say Hi and Introduce Yourself
« Reply #2779 on: May 08, 2016, 06:51:15 PM »
Hi, I'm Kristyn, I'm 35, single and still working on getting rid of my mortgage so I think I'm at -70k or so.

I used to be hardcore frugal and had scoured the web/library for all sorts of frugal blogs/resources, but I somehow missed MMM (it may have been timing, I think I stopped looking for new resources around when the MMM blog started).  A few personal issues came up and life was difficult in the non-financial sense so, because my income was fairly abundant, I stopped worrying about my finances and focused on getting well.  Then I moved across the country and took a paycut and realized I needed to get back to my frugal ways.  I'm so happy I found this "little" community, I sometimes felt like I was the only one making decisions that go against the societal brainwashing (You're walking? To the store??  Is something wrong with your car?!?!?).

Although I'm not deadset on early retirement (I *really* like my job...) I love the idea of being able to retire when I feel like.  I'm looking forward to hearing everyone's tips and making progress towards being debt free and then FI.
I'm late to the game but I'm trying to be quick to pick up how to play!!

Journal -> http://forum.mrmoneymustache.com/journals/kaybee's-chronicle-(kronicle-if-you-prefer-alliteration)/

G42

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Re: Say Hi and Introduce Yourself
« Reply #2780 on: May 08, 2016, 08:13:24 PM »
Hi everyone
I found MMM in late February and proceeded to read every post in order and then punch myself in the face for ignoring my finances for the past 15 years... since 25FEB, I paid off one credit card, killed cable, sold the TV, dropped the phone data plan down by several notches, got a library card, tuned up my bike, and started biking to work several days a week.
I'm trying to bike to work everyday (not quite there yet)... the second credit card is on a major pay off schedule, soon to be followed by the car loan (yes, MANY punches to the face, but at least it was 0%)...once I have clear title, I'll sell the car and buy a suitably mustachian used one for when I can't bike.
I'm late to the party, but it's never to late to get situated... I'm fortunate to have a good engineering salary, so FI is about ten years or less out, but that's better than thinking it would be never!
Happy to meet you all!
Cheers
G42

prefixcactus

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Re: Say Hi and Introduce Yourself
« Reply #2781 on: May 09, 2016, 02:01:41 PM »
Hi everyone
I found MMM in late February and proceeded to read every post in order and then punch myself in the face for ignoring my finances for the past 15 years... since 25FEB, I paid off one credit card, killed cable, sold the TV, dropped the phone data plan down by several notches, got a library card, tuned up my bike, and started biking to work several days a week.
I'm trying to bike to work everyday (not quite there yet)... the second credit card is on a major pay off schedule, soon to be followed by the car loan (yes, MANY punches to the face, but at least it was 0%)...once I have clear title, I'll sell the car and buy a suitably mustachian used one for when I can't bike.
I'm late to the party, but it's never to late to get situated... I'm fortunate to have a good engineering salary, so FI is about ten years or less out, but that's better than thinking it would be never!
Happy to meet you all!
Cheers
G42

Awesome M180 there! Keep it up!

whitecoatmoney

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Re: Say Hi and Introduce Yourself
« Reply #2782 on: May 11, 2016, 03:33:02 PM »
Hi everyone, I'm White Coat Money.  New to MMM but was told that this is one of the best personal finance blogs out there.

I also run a money blog targeted at healthcare professionals.  Feel free to check it out at http://www.whitecoatmoney.com/.
White Coat Money, MD
Radiology Resident & Money Blogger
http://www.whitecoatmoney.com/
"Digestible financial tips for medical professionals."

SaraDante

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Re: Say Hi and Introduce Yourself
« Reply #2783 on: May 12, 2016, 01:23:01 AM »
Hi all!!

Im new to this forum, i come from London so we can always go for tea :D

I have a post so feel free to leave your opinion.

http://forum.mrmoneymustache.com/welcome-to-the-forum/adidas-or-nike-or-some-other-brand/

EricNYC

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Re: Say Hi and Introduce Yourself
« Reply #2784 on: May 13, 2016, 01:16:36 AM »
Hello everyone!

I'm Eric, a 26-year-old software engineer from New York.

I've always had some Mustachian habits. I moved back home and paid off my student loans ASAP, less than three years after graduating because the idea of debt, or some portion of the money I got in my paycheck, after taxes and deductions and everything, not being "mine" really freaked me out. I've always walked or taken public transit, but that's a pretty normal NYC thing.

Finding MMM sometime around last summer was an extra kick in the pants. I was looking for financial advice because ooh, it's NYC, it's expensive (let's be fair, rents can be pretty high), and I forget how, but I found the blog and started obsessively reading. It wised me up to some of my sillier habits (the "modest" $60 a month on take-out coffee with my coworkers), made me feel proud of some of my other habits, and got me to start biking! In about half a year, I went from not being able to keep a bike upright to riding all 40 miles of the Five Boro Bike Tour a few weeks back -- for free, actually. And I hope to learn a lot more from all you fine folks!

joey323

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Re: Say Hi and Introduce Yourself
« Reply #2785 on: May 18, 2016, 10:35:29 AM »
I'm Joey, i'm teaching myself internet marketing, email, SEO, PPC, blog niche and amazon FBA, i have a bunch of what seems like legit resources and links. my goal is to make enough money so my mother does not have to work,and hopefully get her a house as my ultimate goal. currently 9-5 13.47$ an hour, Associates degree 28 years old. health nerd, nerd with women. PUA all that good stuff. Zen buddhist hindu rasta

kinetic

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Re: Say Hi and Introduce Yourself
« Reply #2786 on: May 18, 2016, 03:01:18 PM »
I'm Joey, i'm teaching myself internet marketing, email, SEO, PPC, blog niche and amazon FBA, i have a bunch of what seems like legit resources and links. my goal is to make enough money so my mother does not have to work,and hopefully get her a house as my ultimate goal. currently 9-5 13.47$ an hour, Associates degree 28 years old. health nerd, nerd with women. PUA all that good stuff. Zen buddhist hindu rasta

your goal is pretty cool.  i've been doing FBA for 3 yrs (though i haven't set or accomplished goals but i also haven't focused that way). tons of resources on blogs, fb, etc. let me know if you are looking for something specific and/or have questions.
"When you stop chasing the wrong things you give the right things a chance to catch you."

kinetic's journal: http://forum.mrmoneymustache.com/journals/kinetic-energy/

rubinho

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Re: Say Hi and Introduce Yourself
« Reply #2787 on: May 19, 2016, 02:35:50 AM »
I'm rubinho, 35 years old and I have squandered most of life, wasting my time on games, smoking weed all day until I hit rock bottom 1.5 years ago. There were circumstances that led to that lifestyle though I can point fingers but it's me that messed my life up not caring about anything. Even though I have changed mentally and physically and feel better than ever before, I still face adversity and despair every day. I am angry and frustrated because I am nowhere near I want to be, feeling like a failure a lot. I never finished any education after high school and am still in a low wage pointless job with hardly and potential. I came to MMM after some google searches for stoicism. I don't know where to begin with my path to independence of being financially stable and secure. I have a very long way to go, though it feels as I am in the position where I have nothing to lose and can only win.. in that essence I am free..  I hope I can get some information or tips here that plants the seeds today for a better future.

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #2788 on: May 19, 2016, 06:41:53 AM »
I'm rubinho, 35 years old and I have squandered most of life, wasting my time on games, smoking weed all day until I hit rock bottom 1.5 years ago. There were circumstances that led to that lifestyle though I can point fingers but it's me that messed my life up not caring about anything. Even though I have changed mentally and physically and feel better than ever before, I still face adversity and despair every day. I am angry and frustrated because I am nowhere near I want to be, feeling like a failure a lot. I never finished any education after high school and am still in a low wage pointless job with hardly and potential. I came to MMM after some google searches for stoicism. I don't know where to begin with my path to independence of being financially stable and secure. I have a very long way to go, though it feels as I am in the position where I have nothing to lose and can only win.. in that essence I am free..  I hope I can get some information or tips here that plants the seeds today for a better future.

Damn, interesting back story. I'd love to see a journal or something. A place like where you are, while commonly perceived to be crappy, is pretty awesome as a starting place, especially if you use it to kind of create the life you want.
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rubinho

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Re: Say Hi and Introduce Yourself
« Reply #2789 on: May 20, 2016, 07:48:30 AM »
Quote
Damn, interesting back story. I'd love to see a journal or something. A place like where you are, while commonly perceived to be crappy, is pretty awesome as a starting place, especially if you use it to kind of create the life you want.
Yes you're right it is a good starting place.. there are always people that are in a worse position than me. I still appreciate the things I do have. I recently registered a .com domain and I am going to make a website with content that is spiritual, life lessons and motivational. I hope to reach a big audience where other people can find a little peace in a life full of stress. Eventually I hope to make enough money of it but that is not my main goal.
Secondly my dream is to produce music, perform and travel the word and leave something behind when I die, my legacy. Third I hope to become a professional poker player. Those 3 are my prime objectives for the moment. I already worked very hard on my health by working out hard in the gym and by boxing. I believe that I can make my dreams a reality and I hope I can learn something here. I don't know why I found MMM maybe it's fate but I think I found the right place to hang out here once in a while and read/learn.

ender

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Re: Say Hi and Introduce Yourself
« Reply #2790 on: May 20, 2016, 07:53:28 AM »
Quote
Damn, interesting back story. I'd love to see a journal or something. A place like where you are, while commonly perceived to be crappy, is pretty awesome as a starting place, especially if you use it to kind of create the life you want.
Yes you're right it is a good starting place.. there are always people that are in a worse position than me. I still appreciate the things I do have. I recently registered a .com domain and I am going to make a website with content that is spiritual, life lessons and motivational. I hope to reach a big audience where other people can find a little peace in a life full of stress. Eventually I hope to make enough money of it but that is not my main goal.
Secondly my dream is to produce music, perform and travel the word and leave something behind when I die, my legacy. Third I hope to become a professional poker player. Those 3 are my prime objectives for the moment. I already worked very hard on my health by working out hard in the gym and by boxing. I believe that I can make my dreams a reality and I hope I can learn something here. I don't know why I found MMM maybe it's fate but I think I found the right place to hang out here once in a while and read/learn.

Post a journal or case study!

kinetic

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Re: Say Hi and Introduce Yourself
« Reply #2791 on: May 20, 2016, 05:34:30 PM »
i should introduce myself since i've been randomly commenting on things.  woman, mid-forties, married, have children, live in a costly paradise, 2 income family, waiting for one kid to finish high school and then we'll re-evaluate our plans about staying here or moving.  i've been using banktivity to get my financial house in order and it all doesn't look as bad as i'd thought. whew.  i plan on keeping a journal here . . . i just don't know how to start. have to go check out the first posts of other journals.
"When you stop chasing the wrong things you give the right things a chance to catch you."

kinetic's journal: http://forum.mrmoneymustache.com/journals/kinetic-energy/

climbingbadger

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Re: Say Hi and Introduce Yourself
« Reply #2792 on: May 21, 2016, 10:44:38 AM »
Hi. I thought I would introduce myself. I am 34 and "living" in San Diego, CA. I use quotes because I live in my 2010 Prius and by "living" I simply mean sleeping. As you might have heard rent is expensive out here. I am divorced and putting one child through an expensive pre-school. I just started up working with an electrical contractor as a laborer and I'm pretty excited to get into an apprenticeship as an  electrician. The job takes me everywhere in the area and it seemed kind of pointless to pay rent on a place to just increase my commute. Currently I just pull into a nice neighborhood for sleeping wherever I may end up after doing what I need to do after work. I've been living some badassity for awhile now but I briefly did rent a place. In that place I had nothing in my room but a bed that was already there when I moved in. Again, seemed kind of pointless to pay $1000/month for that.

My motto is "efficiency, efficiency, efficiency". Without it I would be majorly in debt and definitely unhappy. However, I live the life of a bum, with a job. It's a tough mental balance an I know this situation can't last forever. Therefore I'm looking for some like-minded individuals in the area that would be open to letting me establish some inexpensive hut or trailer living on their property. Perhaps in exchange for regular labor. I'm looking to learn more about everything but specifically about fabricating and building things.

Thanks for reading!


brute

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Re: Say Hi and Introduce Yourself
« Reply #2793 on: May 21, 2016, 04:37:48 PM »
Well, I've joined. I've been lurking for a little while, and avoiding joining out of guilt. But I've been reading back through all the blog posts and decided it was time for some help from a community of people who have a similar goal. So, a little about me I suppose.

I'm male, early 30s. A competitive powerlifter and strongman. Software guy, not that handy around the house but slowly learning. There are lots of good things, and lots of things that I punch myself in the face over, so here are a few.

We have two incomes, over $150k combined. Holy crap. How did we even do this? I used to live on almost nothing. My life is stupidly luxurious now, even though I didn't recognize it until I started reading here. I didn't have a jet or a 10,000 sq ft compound or a fleet of humvees, so clearly I wasn't that well off.
No debt.
401k maxed out with employer matching on a good chunk
A few investments, though really not worth that much, but we're adding to them every month.

The downsides
I'm driving an 8.1L 4WD pickup. I actually printed out a picture of MMM to hang it in my truck to guilt me into not using it as much. 
We're renting. Not the end of the world, but I would like to be building equity
We're spending to damn much on things that don't matter.

I've worked a deal with my employer where I can work from home 3-4 days a week, so the truck isn't as bad as it could be. I'm trying to talk myself into selling it, but it's more connected to my sense of self worth than it should be. It's not a big jacked up thing, just an old work truck from the farm that I don't work on any more.

Food is something I'm trying to cut the budget down on. Because of the kind of training I do, I need around 250g of protein a day. So lots of meat. But I'm switching to chicken thighs over ribeye and the savings are rolling in.

I like spending money. I was poor for a while. Living on $7k a year, barely getting by. Food banks, no furniture in my apartment, that sort of thing. I feel entitled to throw my money around now. I'm going to crush that weakness out of me. It'll take time, but with the help of you folks, I know I can do it.

Red_Gold

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Re: Say Hi and Introduce Yourself
« Reply #2794 on: May 22, 2016, 06:19:22 AM »
Hi there!

Long time lurker, pretty much life long mustachian by nature, although societal/peer pressures do get me at times.

37 y.o. female, originally from Russia but living in Sydney from 1995 (apart from 4 glorious years spent in Toronto, Canada). Married with 2 kids (17 & 14 y.o.). 2 incomes, 8 years left on mortgage (damn you Sydney property prices!!!) and about 50k in savings (AU shares, gold, silver and Vanguard managed funds). Librarian with about 55k annual salary, hubby makes about 70k. We both would like to FIRE before the newly proposed (by AU government) retirement age of 70. I am aiming to leanFIRE at 50-55. Even if that doesn't work out I'll be better off than a lot of people on similar incomes and should be able to at least work PT and devote time to volunteering and my hobbies.

I am hoping to learn much from this community and especially other Aussies out here.
Cheers!

MLynn

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Re: Say Hi and Introduce Yourself
« Reply #2795 on: May 24, 2016, 12:14:04 AM »
Hello,

Im 26, french, female, living mostly in Paris as for now.


I have no debt, no car, a useful degree so Im pretty happy.
« Last Edit: May 24, 2016, 06:11:19 PM by MLynn »

MoustachianWannabee

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Re: Say Hi and Introduce Yourself
« Reply #2796 on: May 24, 2016, 05:36:43 AM »
Hello everyone!

I'm new and very interested in learning The Way of the M(o)ustache.

I'm 35, just bought my own house. I live in the UK and have debt of about 11000 and student loans, but as student loans from the UK work differently, I'm not counting them as debt - they are more like a graduate tax.

Unfortunately, my current job is poorly paid so I need to get a better paid one, but I figure that I should try to get to grips with things as much as I can right now so that I can use whatever else I earn after that to get me into a better FI position.

I hope to learn much from you all and help you along the way as well. :)



scipsy

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Re: Say Hi and Introduce Yourself
« Reply #2797 on: May 24, 2016, 01:25:38 PM »
Hi, I have been reading the articles for a couple years now I think.  I'm a single 32 IT engineer living in Phoenix.  I just moved here from the Midwest after taking a small pay cut from doing consulting.  I live 1 mile from work and I bike everyday.  I also hike and mountain bike on the weekends.  The freedom I had financially was a big factor in being able to move.  It has been one of the best decisions I have ever made.

I am a long way from financial independence but I have really embraced separating my money from my happiness.  I make decent money after bonuses and my new job has a pension which is rare these days.  I actually used to work for this company and got hired back.  I was able to negotiate credit towards my pension for my prior years, more vacation, better job, and more money. 

I discovered financial independence blogs around the time I finished my masters.  I have always been somewhat frugal, but like most Americans, I love cars and motorcycles.   Luckily, I always walked away from every new car I considered purchasing.  I currently drive a 6 cyc. truck with 200k miles that has been paid off for 6 years now.  I'd like to get something more Mustachian but my truck is so reliable and I hardly drive it now.

I have been maxing my Traditional 401k and Roth IRA for the past few years.  I also opened a Vanguard account and have some automatic investing set up.  I also have been using my bonuses to buy more index funds.  I love tracking my spending and net worth changes from month to month.  I got a late start compared to a lot of people on the forums, but I am doing very well compared to my friends and colleagues who always spend their money.  I am currently living off less than 25k a year in expenses.  My savings rate is about 60%.   I am planning on being completely financially independent by 40 (in  8 years) and actually retire by 45 so I can travel/hike/backpack/camp around.  I'd also like to beat my parents to retirement.

I wish I could share the excitement of investing and being frugal with people I know.  They can't fathom how reinvesting my quarterly dividends is like Christmas.  I am glad there is a forum for like-minded people to discuss FIRE strategies.


bertusg

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Re: Say Hi and Introduce Yourself
« Reply #2798 on: May 27, 2016, 12:25:24 PM »
Hi All - have been reading for a while after a friend forwarded a post, really enjoy that i've found a bunch of people who are thinking wisely.

My biggest hurdle thus far, for the last few months - how do I actually start squeezing my spending down? I have managed to say no to large purchases I would have made before (a new truck, etc. relatively easily, but I struggle with core expenses. (Discretionary is easier, and I can manage cutting out some "luxuries" - however it ends up not being very material). My biggest expense - RENT - is hard to save on in my area...i am in the next to cheapest place I can be. Second - meals and groceries - very tough given the amount i work to eat out less (at cheaper places) and prep meals. I don't doubt that eventually I will be able to afford the flexibility to affect these expenses, but at the moment it all seems somewhat too fixed and insurmountable.

So how did you start making significant progress in cutting expenses? It's the core of making it all work, yet it's the hardest part AND I am finding little practical tactical advice...


scipsy

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Re: Say Hi and Introduce Yourself
« Reply #2799 on: May 27, 2016, 01:08:09 PM »
Hi All - have been reading for a while after a friend forwarded a post, really enjoy that i've found a bunch of people who are thinking wisely.

My biggest hurdle thus far, for the last few months - how do I actually start squeezing my spending down? I have managed to say no to large purchases I would have made before (a new truck, etc. relatively easily, but I struggle with core expenses. (Discretionary is easier, and I can manage cutting out some "luxuries" - however it ends up not being very material). My biggest expense - RENT - is hard to save on in my area...i am in the next to cheapest place I can be. Second - meals and groceries - very tough given the amount i work to eat out less (at cheaper places) and prep meals. I don't doubt that eventually I will be able to afford the flexibility to affect these expenses, but at the moment it all seems somewhat too fixed and insurmountable.

So how did you start making significant progress in cutting expenses? It's the core of making it all work, yet it's the hardest part AND I am finding little practical tactical advice...

It's all about living below your means and your savings rate.  Some people can save easier because they have a high salary already so it's easier to have a high savings rate.  It looks like you are already doing well (no car payment, cheapest rent for the area, and making your own food).  Also avoid expensive cell phone, internet, and cable plans.  I have lived without cable for 5 years and don't miss it.  I also have a $15/month cell plan with data. 

The way I put my self in the fast track to retirement was by investing in myself right out of college.  I am in IT and I spent many weekends getting career certifications.  I also job hopped 4 times to increase my salary in a 7 year span.  I also rented out extra rooms I had to people to practically pay my mortgage every month.  I am selling my home since I relocated 3 months ago for a new job so I am now in the cheap renting category like you.  Once I sell my home, I will save even more money (no real estate taxes, maintenance, mortgage interest, etc.) compared to just paying a low rent.

Keep reading information on this site and it will become easier and easier.