Author Topic: Say Hi and Introduce Yourself  (Read 578256 times)

catan

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Re: Say Hi and Introduce Yourself
« Reply #2900 on: August 30, 2016, 07:02:28 PM »
Hi all! I'm a single mother of two young kids. Very excited to have stumbled onto MMM blog and forum. I've always considered myself frugal and lived within my means, but have done nothing towards investments or saving for retirement, only cash in the bank due to major changes in the past 8 years (moves, marriage, kids, divorce). Living abroad now and looking to return to the US in the next 6 months.

kapnfriday

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Re: Say Hi and Introduce Yourself
« Reply #2901 on: August 31, 2016, 07:06:01 PM »
Hello fellow mustachians.  I'm 46 and recently discovered the MMM blog and have been making a lot of changes - cut cable and dish, reduced my auto and home owners policies by about $400/year, increased my 403b contribution, cut my own hair, started biking to work again - at least once or twice a week.  My wife is 44 and can retire in 10 years from the state of NC with 30 years of service.  This realization got me thinking, "hey, I want to retire in 10 years too."  We aren't starting from scratch, so that helps, but there are some hurdles we'll have to overcome to get there.  I've very much enjoyed reading these forums - very inspiring.

Archistache

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Re: Say Hi and Introduce Yourself
« Reply #2902 on: August 31, 2016, 09:00:34 PM »
Hello all you wonderful mustachians!
I'm a 44 year old single architect living in Houston.
I stumbled upon MMM about a month ago and it was like the heavens parted and the sun shone down!
I've been pretty frugal most of my life and really wanted to retire early but didn't think it was possible. Those traditional calculators are awful for potential mustachians!
Anyway, I've spent the last two years trying to figure out what I wanted to do with my life because I was not happy and I knew it.
I finally have my path forward and it feels amazing! I have between 6-10 years to FI depending on a number of variables but have already gone from a 25% savings rate to about 51%.
So glad to have such a supportive community to make this journey with!
-All that is gold does not glitter,
Not all those who wander are lost

kelo11

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Re: Say Hi and Introduce Yourself
« Reply #2903 on: September 01, 2016, 08:05:00 AM »
Hi all,

28yo here, living in the DC Metro area. High COL and High lifestyle inflation around here. Found MMM about 2 years ago, but have always been naturally frugal thanks to parents that helped me learn to value the money I earned. Made some mistakes in the past, didn't invest as much as I should have after college, but am on the right course now. Paid off $40K in student loans 2 years ago (5 years early), paid off my car note 2 years early, use credit card for everyday expenses (rewards) and pay off in full each month. Do everything myself that I can, no use paying someone else for convenience. Cut cable, saving about 60% of take home pay, and maxing 401K, Roth IRA and HSA annually. No debt.

Live with the beautiful soon-to-be Mrs. Kelo in a basic no frills one bedroom apt. Recently got her into the MMM lifestyle, bought her a bike, use public transit more, buy food in bulk (costco) and sold off her unnecessary gas guzzling wrangler she was paying $500 a month to rent from the stealership, so she can start attacking the rest of her student loans (Approx. $35K). Now looking to get her something older, smaller, more reliable and longer lasting. Also teaching her more about saving for retirement/investment and padding our stache as much as we can.

Rubyvroom

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Re: Say Hi and Introduce Yourself
« Reply #2904 on: September 01, 2016, 08:46:21 AM »
Hello!

I've been lurking a few months now and catching up on old MMM blog posts, but wanted to officially join and introduce myself.

My husband and I live in Minnesota and are hopefully on our way to FIRE in the 2020-2022 time frame. I literally just did my monthly tally of where we landed at the end of August, and we're up $55K from the beginning of the year in terms of net worth. Jay-Z's "Big Pimpin'" is now stuck in my head after seeing how well we're doing. :)

It doesn't seem that long ago that we were in worse financial shape. Maybe because it was only 2013... we still had student debt, car debt, and our home mortgage was at a ~6% rate. 2013 was the year we finally got our adult lives together as I like to say, although it took us till our early 30s to figure that out. We refinanced our mortgage (3.25%), paid off the student debt and car debt, and have had nothing but a mortgage outstanding since. We never had credit card debt, thankfully.

This will be the first year we max out our 401ks, max out our HSA, and have an ample emergency fund available. I've also been tracking and making small changes to reduce our expenses all year. I believe we're approaching a 50% saving rate.

I would say the area I'm struggling the most with is feeling comfortable diving into taxable investments when I know we want to buy land and build an Earthship with cash in 4-6 years (p.s. if there are any other Earthship fanatics out there, I'd love to talk more about this). I'm reading/learning more about investing though and I'll get there. It's purely a psychological block I have to get past.

Anyway... I've already found a ton of good info here, so thanks for the informative posts. I'm glad to have found this blog and forum community!

frugalmaybe

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Re: Say Hi and Introduce Yourself
« Reply #2905 on: September 01, 2016, 07:03:26 PM »
Hi,

Just found this site today. Read the first few posts, and it resonated a bit as I'm in my 40s now, have maxed out my 401k and have a lot of disposable income, but I spend too much and have only just started thinking about investing strategies.

Some facts about me, that are probably relevant(but nonetheless will be organized randomly here):
- I live in a very, very expensive part of a very, very expensive city. I.e. my rent is just under 3k/month for a one bedroom. But it's extremely important to me to have a comfortable apartment (and this one's close to work).
- I'm planning to move out of this area within a year or two
- I am relatively frugal compared to my coworkers and friends in the same profession in this city, but i still spend 2k a year on clothes, probably 5-7k on food per year, and my passion is travel so I spend about 10k-ish a year on that. I generally don't care about "prestige" when I buy things, but I do care about style with clothes, so I shop at h&m and buy timex watches, and value, with other consumer goods. When I owned a car it was a subaru and my laptops are always wintel.
- My salary is well above the median for my profession, but other than the 401k i'm not really saving money.
- When i moved to this apartment my salary was 60k a year lower (gross) and my rent was 500/month lower. I don't remember how much I was putting into 401k then, but say i wasn't saving any, then my salary was like 42k lower gross. Which is like 28k net. which is a little over 2.3k a month. So I could be saving at least 1800/month after taxes, but somehow i'm not :)
- I chose a very practical career, and it has always felt like the wrong "calling" but I've tried to make the best of it and when I like my coworkers and my work environment I like my job, despite not loving the work.

I have a lot of personal goals, some of which have nothing to do with money, and some that do. But some of the big ones have a huge opportunity cost as I am definitely planning to go back to school. So I'm trying to figure out how to make non-disastrous financial decisions without ignoring my "heart".

The education would take three years so the opportunity cost is high, given my current salary (and savings potential), but the income potential for the other profession is essentially identical (based on bls.gov salary data), though  i'd be starting over from entry level, so there is an opportunity cost with the lost seniority. And the cost for the degree is 50k + 3 years of living expenses.

In the near term, I'm beginning to look at after-tax investing...
« Last Edit: September 01, 2016, 07:07:09 PM by ennemkay »

cooperadyk

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Re: Say Hi and Introduce Yourself
« Reply #2906 on: September 04, 2016, 07:57:37 AM »
Hello all,

I discovered this site a couple of years ago, and really wish I had discovered it back when I started my PhD program instead of when I started to fail out of it. For the past two years I've been working as many odd academia-related jobs I could and living frugally, and managed to buy my first house this year! (I try not to think about the fact that if I had done this four years ago, the house I could have bought then would be worth twice as much now...) I actually call myself "semi-retired" now, since between my 10hr/wk job, tutoring gigs, collecting rent on my two larger bedrooms, and teaching one class in the summer, I can live (frugally) without eating into my savings.

I'm getting into coding, and thinking of doing some sort of startup or walking into a nice 6-figure  job for a year or two so that I can properly retire. But for now, I am just starting to bike and am picking up skills DIYing repairs around my house. Life's pretty grand, now that I think about it. But it's been hard to find other people in my situation, and it would be nice to!

Hotrod

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Re: Say Hi and Introduce Yourself
« Reply #2907 on: September 05, 2016, 03:34:54 PM »
Hi. My name is Hotrod and I am trying to embark on spending less money. I am an electrical specialist with a large oil and gas company. My amazing frugal wife and I have 5 awesome kids. She has an education degree and has home schooled all of them until high school age. We have basically lived off my income the whole time. We lived on an amazing 10 acre acreage in a large house, renting it and renting out the basement suite. Lots of great memories, building a ice rink every year, a bobsled track,motorbiketrack and golf driving range. Unfortunately the owner sold his acreage so we moved into the city. We bought a $500,000 dollar house so now have a big mortgage. Trying to chip away at a 30k line of credit debt. I need to help my wife but still want to enjoy life and live every day like it is my last with no regrets. Any tips? If anyone needs electrical help feel free to ask me.
"Keep it real"

Yorch

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Re: Say Hi and Introduce Yourself
« Reply #2908 on: September 05, 2016, 11:32:33 PM »
Hi everyone!

I'm approaching 40, and living in Canada. Until early this year I was quite profligate and foolish in money matters, with a cushy job and a comfortable salary that somehow was never enough. I discovered Mr. Money Mustache through the New Yorker profile article, in February. Since then my partner and I:

  • Obsessively read all of his blog posts
  • Obsessively read the literature on passive investment
  • Settled all our debts (car and line of credit)
  • Committed to never be in debt again
  • Reduced our consumption and waste dramatically
  • Started saving about 45% of our take-home income (we were barely breaking even before)
  • Began enjoying a more frugal life
  • Are looking forward to a semi-early retirement (despite having two kids and a late start)


Oh and the New Yorker subscription is not getting renewed: not worth it when I can access all material through my public library :-).

Many, many thanks to the Money Mustache family and community. You've been an inspiration and a life saver.

marty998

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Re: Say Hi and Introduce Yourself
« Reply #2909 on: September 06, 2016, 01:37:11 AM »
Hi. My name is Hotrod and I am trying to embark on spending less money. I am an electrical specialist with a large oil and gas company. My amazing frugal wife and I have 5 awesome kids. She has an education degree and has home schooled all of them until high school age. We have basically lived off my income the whole time. We lived on an amazing 10 acre acreage in a large house, renting it and renting out the basement suite. Lots of great memories, building a ice rink every year, a bobsled track,motorbiketrack and golf driving range. Unfortunately the owner sold his acreage so we moved into the city. We bought a $500,000 dollar house so now have a big mortgage. Trying to chip away at a 30k line of credit debt. I need to help my wife but still want to enjoy life and live every day like it is my last with no regrets. Any tips? If anyone needs electrical help feel free to ask me.
"Keep it real"

Obvious question... Can you sell the Hotrod to pay off the line of credit?

Of course, I'm assuming you have one based on your username :D

Nick_Miller

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Re: Say Hi and Introduce Yourself
« Reply #2910 on: September 06, 2016, 06:58:49 AM »
I am Nick Miller, a lovable law school dropout with a crooked nose and questionable hygiene living with 3 (4?)(sometimes 5?) wacky roommates in LA. No wait...that's my screen name's description.

In real life, I am a (still lovable) attorney, 42, married, with two elementary school-aged children. I discovered MMM a few months ago. We've been so stupid over the years, paying ourselves last, which typically resulted in our not paying ourselves at all. We haven't been outrageous, and we've paid off a lot of debt over the years, but we still have big law school debt and smallish investment accounts.

But that is changing! This I pledge, nay, promise!

The goal is for my wife and I to be FI in 10 years and be able to downshift in our careers from my age 52-62 so that we can travel more and work less while we're still relatively youngish and healthy. I would LOVE for my "downshift" to look like this: me tapping away on our home computer writing novels.  I've had one book published thus far - it's doing pretty well, and I'm working on #2 right now.

I really like this site! These people are fountains of information.

Macca

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Re: Say Hi and Introduce Yourself
« Reply #2911 on: September 06, 2016, 07:53:47 AM »
Hi guys,

I'm 37 years old and based in the UK. I have a very non-mustachian lifestyle and recently have realised that aspects of it are simply wasteful (for example eating out way too much due to laziness) and other aspects of it (buying high end luxury goods) are not particularly fulfilling, certainly when considered in light of the effort that has gone into earning the money. I have a not unsubstantial income stream from my self-employed job as well as other investments but the amount I shred through every month with little to show for it is ridiculous.

There are various other aspects of my life I've become a bit dissatisfied with, which I will go into a bit of detail on later. My initial goal, from starting to get a grip of my finances, is not necessarily super-early retirement or absolute pared-back living but really just to gain a better perspective on myself, what makes me (genuinely) happy, work a bit on those aspects of myself and my life that are dragging me down a bit and see what improvements I can make. I think then I'll be better placed to set goals for where I should be aiming to take my life in future. I think enough of the issues I am looking to deal with are related or can be related to Mustachian living that this would be a decent place to set out my goals and track my progress.

I'll start a journal shortly to provide a bit more background about myself, my situation, my "problems" and my goals. Hopefully it will be successful and provide me and others with some inspiration along the way.

Mac.

MuttIsMyCopilot

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Re: Say Hi and Introduce Yourself
« Reply #2912 on: September 07, 2016, 01:59:06 PM »
Greetings, y'all!

I stumbled on to the concept of mustachianism a few months ago and have been soaking up all the information I can. Figured it was time to join in. I'm currently married with two dogs and no kids in Arkansas. Growing up my family was fairly well off but never discussed money, so I've made a few significant financial missteps and am working on digging my way back out. I'm sure I'll lurk far more than I post, but am really enjoying the vast and varied knowledge this community has to offer.

Physicsteacher

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Re: Say Hi and Introduce Yourself
« Reply #2913 on: September 07, 2016, 03:34:41 PM »
Welcome, MuttIsMyCopilot! I'm a married Arkansan with two cats and no kids.

RichAndMeaningful

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Re: Say Hi and Introduce Yourself
« Reply #2914 on: September 08, 2016, 10:43:37 AM »
Hello everyone.

Just an early 20s millenial who likes to read and is excited to start working towards financial independence. I start working full-time in October.


My current financial situation is fine, flying to a new city to check out apartments before I sign a lease. Of course I'm using https://www.flyfrontier.com/ to find cheap tickets, and I'm also looking at cheap lodging for the few days that I'll be there.

Currently living at home with my parents. Been entertaining myself frugally with books from the local library, online reading, and practicing Spanish.

Edit: Interested in renting in several locations in the Midwest and Southwest US. Perhaps I'll look into owning rental properties once my finances are in order.

Edit2: I should clarify. My current financial situation isn't that fine, I'm about $26k in student debt, while I have about $4.5k in savings currently. I stay with my parents rent-free...in return I cover groceries now and then, cook major dinners for them 4x a week, and run errands whenever they ask me to. Pay for my own gas, but I don't pay car insurance.

I've got it pretty good with my parents right now.

Not making any money currently. I guess I could walk around my neighborhood and ask people if they need the lawns mowed...but more money isn't necessarily going to bring me more fulfillment!

I'm enjoying this time to just chill at home, learning and how to cook, and learning how to read. Taking mid-afternoon naps in the beautiful Georgia heat is something else!


« Last Edit: September 08, 2016, 10:57:11 AM by RichAndMeaningful »

KLK75

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Re: Say Hi and Introduce Yourself
« Reply #2915 on: September 08, 2016, 08:42:44 PM »
Hi.  I'm new.  I'm getting my stuff together.  This forum has been very helpful to changing my frame of mind.

Bones81

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Re: Say Hi and Introduce Yourself
« Reply #2916 on: September 08, 2016, 10:47:07 PM »
Hi All,

35 year old single guy with no wife or kids.  Make good money and only debt is a mortgage and credit card I pay-off every month.  I max out my 401k and IRA contributions and save some additional money on top of this, but I also spend way more than a single guy should on going out, etc.  Looking to cut back on expenses (I've already dropped satellite TV for a cheaper Sling package) and trying to get an idea of what my magic FI number is as I really don't enjoy my career at the moment and figure out what I want to do once I no longer have to work. 

Dividendmentor

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Re: Say Hi and Introduce Yourself
« Reply #2917 on: September 09, 2016, 10:32:20 AM »
Hi all Mustachians!

Thank you for letting me become a member of this forum. I have been following this site for a while, and thought it was the about time to join.

I am a 30-year-old man, living in Copenhagen in Denmark. Not married, and no kids, at least not yet.

My goal is to achieve financial independence within 10 years. I love freedom!! I want to be choice whether I would like to work or not. I intend to achieve my goal trough savings and dividend growth investing. At the moment I am saving around 30 percent of my net Income.

I have been investing for a couple years, primarily in my local market (Danish equities). I started reading about dividend growth investing about 2-3 years ago, and I believe that it is the best long term investment strategy. Today, I consider myself being a dividend growth investor. I have therefore made a transition of my portfolio into dividend growing stocks within the last year or so. The transition is almost done, ny now.

I am really looking forward to joining this community.

DividendMentor



Heleen

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Re: Say Hi and Introduce Yourself
« Reply #2918 on: September 10, 2016, 05:31:29 AM »
Hi all!

I'm a 27yo from Rotterdam, the Netherlands. I've discovered this website through my boyfriend, who I met 3 years ago. We happened to have similar spending habits, but for me it started when I was 22 or so because I wanted to care more about the environment (I don't own a car, my gas/electric bills have always been very low, I spend little money on food and clothing etc.) Just now I'm getting interested in the money saving part and gaining FI later on in life, my boyfriend teaches me a lot about what I should be doing with my money.

I'm in lawschool and work parttime. I have a students loan, but in the Netherlands the interest on this dept is lower than the interest on a plain savings account, you only have to pay if you earn above a certain income and if you cannot finish paying in 15 years because you income was too low, you don't have to pay at all anymore. So I guess I will keep working parttime, volunteer a lot and just keep my spending habbits as optimal as possible and I should still manage to save 60% of my income. :)

So far I love the positive energy and great tips on this forum!

Cy

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Re: Say Hi and Introduce Yourself
« Reply #2919 on: September 10, 2016, 11:27:36 AM »
Hi! I'm Cy, a college student who.. has yet to touch any significant money? And is working on alternate life skills before that.

minimalistgamer

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Re: Say Hi and Introduce Yourself
« Reply #2920 on: September 10, 2016, 04:25:17 PM »
Greetings. I am from the US of A, from the midwest.

I've been reading MMM for a while now, and I tend to agree with a lot of what is said on the blog (there are others that I disagree quite a bit), but that's life right?

Anyway, see you all around.

-MG.
I paid off my mortgage! You can read the details here -
https://minimalistgamer.blogspot.com/2017/01/paid-off-our-mortgage.html

Feel free to ask any questions.

summer.ruth2013

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Re: Say Hi and Introduce Yourself
« Reply #2921 on: September 10, 2016, 10:44:21 PM »
Hi I am Summer. I am a married mom of 3 (10, 4, and 3). I came here to learn how to get a handle on my debt so I can help my husband with his.

Markk

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Re: Say Hi and Introduce Yourself
« Reply #2922 on: September 11, 2016, 10:45:57 AM »
Hello, my name is Mark K and came upon this MMM community a few months ago.
My wife and I have been working the Mustschian lifestyle and didn't know there were so many of us.
I have worked for the same company for 31 years, enjoyed my job...didn't love it, but enjoyed it...until a few years ago, the company merged with another and I now exist in a cubicle about two days a week (work at different field office the rest of the time).
The cubicle/office atmosphere is just soul crushing to me. I can retire in about three years and if I get laid off next week, that is ok. This website has enlightened me enough that I can walk away from my job if I need to.
The one thing that keeps me working is the health insurance issue. I am not ready to spend $1000 dollars a month, but I am educating myself on that also.
This forum and website is very informative and helpful.

GreenShirt

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Re: Say Hi and Introduce Yourself
« Reply #2923 on: September 11, 2016, 07:07:54 PM »
Hello all, meet me!

I'm an infant in the adult world. I graduated college almost debt free about a year and a half ago and started working full time in the big city. My wife and I initially budgeted but stopped after a few months because it didn't seem to get us anywhere (silly us!). I enjoy my office job and what I do but it doesn't give me the warm fuzzy feelings that I experienced while working part-time as a tutor in college - though for obvious reasons, the difference in pay is night and day. I somehow discovered MMM 2 or 3 months back and since then have started budgeting again with my wife in an attempt to better the lives of our future selves.

evearino

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Re: Say Hi and Introduce Yourself
« Reply #2924 on: September 12, 2016, 06:17:16 PM »
Hi. My name is Eve. I found MMM about 2 months ago and am working my way chronologically through his posts (almost to 2014). This is my first time actively 'reading a blog' and 'joining a forum.'

Background: I'm a medical student, so will eventually have 250k debt, but equivalent earnings in 10 years. Medicine is a life goal, but now FI is as well. In 10 years, my Mustachian toolbox will be ready to kick that sucka debt to the curb.

Mustachian cred: I already ride my bike to and fro, small Saturn Ion in driveway has no loans and rarely used, live close to everything, actively reducing my lifestyle inflation, thrift shop advocate.

FIFoFum

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Re: Say Hi and Introduce Yourself
« Reply #2925 on: September 13, 2016, 01:04:30 PM »
Hi everyone!

This is my second take on this forum. I lost my log-in info and wanted to ditch the weirdly specific/identifying info I dropped in about myself in a few hundred posts. Been reading for a few years.

Middle age, single guy that just recently stumbled into semi-FIRE life. Still not sure if I'm going to take another job or build my own business with a focus of earning income or not vs. growing a skillset that I care about developing independent of all that. Still working out all the investment math to see just how risky or exposed I am. Still unable to use the R word with my family or social circle even though I voluntarily walked away from a secure job a few months ago. About to move back to the PNW (where I have lived before) and hope to figure out life, the universe and everything before I hit 42.


Reigning World Champion for Best Puppy Pics

Proud Pilgrim to Camp Mustache Canada 2017

http://forum.mrmoneymustache.com/journals/same-as-it-ever-was/

geebz

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Re: Say Hi and Introduce Yourself
« Reply #2926 on: September 13, 2016, 07:54:48 PM »
hi, I read my first MMM article a month orso ago after hearing someone mention the name and thinking "what an absurd name, i will have to google him".  Now I've read most of the articles and I am trying to become more of a disciple of the Mustache.

I've been living in the san francisco bay area for a while.... but despite spending all my salary I have built up some decent savings thanks to stashing my bonuses over the years.   I've realized from reading the blog I can do so much better! I feel like an idiot looking at my Mint summary.  Only so much face-punching you can do to yourself in a day though.   

I've been starting small - I ride my bike every day to work now, I have automated some savings from each paycheck, started cooking for myself (only for 2 weeks though, the challenge for me is going to be to stick to it), and I listed my ridiculous sports car for sale. 

newelljack

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Re: Say Hi and Introduce Yourself
« Reply #2927 on: September 13, 2016, 08:34:27 PM »
Hi, I'm Jack. I have been reading for over a year but am still working on my DW's conversion. Thanks for everyone's help in the Ask a Mustachian thread! No more face punches for me...

MightyMauler

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Re: Say Hi and Introduce Yourself
« Reply #2928 on: September 15, 2016, 01:26:25 PM »
Hi All-

Iím in mid-30ís and living in Indiana. Iíve been reading the MMM articles for a few years now but Iíve just recently started digging around in the forum.  Iím a frugal-by-nature type so the articles have always resonated well with me, although Iíve fallen a bit short of epitomizing the MMM lifestyle. 

Iím hoping that joining the MMM community will give me the inspiration I need to get fully on board and tighten up any slack in my budget.   It can be hard to stay frugal in a spendypants world and Iím hoping to use your collective wisdom for encouragement!

LucyWreck

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Re: Say Hi and Introduce Yourself
« Reply #2929 on: September 15, 2016, 01:56:38 PM »
Hello! Been reading/lurking for the past year... just about to post my first question to the boards, so thought I'd drop by with a quick intro first!

I'm a 33-y-o Chicagoan making the swap from "single" to "married" later this year. I work in product development for a software company. I like eating pie, drinking wine, and diving whole-heartedly into time-consuming hobbies/side gigs for a couple of years at a time (most recent: playing roller derby... current: on the market for something new).

Though I've long loved my budget spreadsheets and lecturing my friends about credit cards, I didn't know retiring before age 65 was a thing that anyone but the super-rich could do. Hanging out here has gone a long way to changing my thinking on that front, and my partner and I are slowly getting our financial house (which we previously thought was pretty awesome) in even better shape. While we both feel pretty good about our careers and work lives at the moment, and aren't in oh-my-god-get-me-out-ASAP mode right now, we'd love to give ourselves the flexibility to feel that way later.

Very much enjoying this blog and forum!

Eilonwy

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Re: Say Hi and Introduce Yourself
« Reply #2930 on: September 15, 2016, 03:12:01 PM »
Hi all.

I'm a Californian, living in an extremely expensive area. Married, teenage son. Homemaker.

Maybe 18 years ago, my husband picked up a copy of _The Tightwad Gazette_ at a garage sale and it changed our lives. We went from "we'll never be able to afford a house here, so let's just spend everything on fun" to "we can do this." And 16 years ago we did. After several refis, our house is a few years from being paid off and the mortgage is now less than half what it would cost to rent a place here.

Money was tight for awhile, but then the mortgage eased up and my husband started earning more. And we were both intimidated -- I grew up very poor -- and didn't know what the heck to do with any of the extra money. So I asked a friend who I knew managed on a small income and he pointed me to the MMM blog. So now I'm managing money and buying investments and stuff, and it's all still somewhat terrifying, but also satisfying.

zoomzip

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Re: Say Hi and Introduce Yourself
« Reply #2931 on: September 16, 2016, 02:14:19 PM »
Patent attorney in an expensive urban center - 37 years old with two young children.  I've been lurking for a while but have decided to join the fray on these message boards.  I have always been pretty frugal and a good start on FI (currently have half my FI goal in investment accounts and I have a good amount of equity in my home) - looking towards 2019/2020 for FI/RE.

TheStrenuousLife

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Re: Say Hi and Introduce Yourself
« Reply #2932 on: September 17, 2016, 08:27:04 PM »
Hello all!

I'm a 26 year old lawyer practicing in Ottawa, Ontario.  Been lurking for a long time and working my way through the entire MMM canon over the past year or so.  I've just reached the posts from January 2013!

sharonpope

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Re: Say Hi and Introduce Yourself
« Reply #2933 on: September 17, 2016, 11:29:50 PM »
Hey everyone, 35 here with kids, looking forward to learn new things from this great community.

MissMustache

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Re: Say Hi and Introduce Yourself
« Reply #2934 on: September 18, 2016, 05:18:01 PM »
Hey all!

I'm 23, live in Sao Paulo, Brazil and work as a software developer intern on an IT company.
I study on a public university so I don't have tuition fees.
I've been paying all my bills and living in shared apartments since I was 19 because I had to (lost my mother, father made my life hell).
It's had its ups and downs but things are starting to go well. I like my job and I'm neutral with small savings moving towards saver.
My total debt right now is $120 from a loan I took from my father and $300 from my credit cards (paid fully, no interest).
I'll pay it by the end of the month and become a saver.

I want to move out because I don't like the weather, the politics, the violence, the jammed subways and the dangerous lanes for cyclists (especially for girls).
And due to our weak currency I'll always earn way less than I could, which would delay my FI/RE goal.
I like Europe but it seems that their higher taxes would make North America more appealing.
I still have 3 years until I finish college but I'd like to build up my skills, get a job abroad and leave earlier.

I realized I'm more frugal than I thought, in comparison to the people I know but I know I can improve a lot.
I'm really enjoying learning with this community, let's keep it going :D

BrokeLawyer

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Re: Say Hi and Introduce Yourself
« Reply #2935 on: September 20, 2016, 04:41:07 PM »
Hi all!

Finally delving into MMM after three years on the periphery. I'm 29, practicing corporate attorney in San Francisco, salary of 170k. Approximately 210k in student loan debt remaining from undergrad/law school. In the process of refinancing the bulk of these down from 7.2% average to 4.2%. I own a rental property that I purchased two years ago for 40k. It rents out for $500/month. I owe 20k on that mortgage. House is probably worth 45-50k. I also own my primary residence in Oakland, purchased 9 months ago for 635k. Put next to nothing down. Due to appreciation, looks like it would sell today for somewhere north of 700k. Redfin/Zillow estimates put it at between 735-835k. Attempting to refinance as we speak to reduce interest rate from 6% to somewhere around 4%.

I purchased the house with my girlfriend (soon to be more than girlfriend). She makes 85k and has no debt. We are so very excited to get started in earnest as mustacheans!

Martin04

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Re: Say Hi and Introduce Yourself
« Reply #2936 on: September 21, 2016, 06:53:53 AM »
Hi everyone!

I'm 27, french, live in Germany. I work as mechanical engineer for a service supplier, doing development for car makers.
I'm happily married and don't have offspring.

Don't know much what to say if not that today is THE day I try something to get closer to retirement : I joined this forum :D

heyitsryan

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Re: Say Hi and Introduce Yourself
« Reply #2937 on: September 23, 2016, 09:39:17 AM »
Hello everyone,
     I'm Ryan.

I stumbled across the MMM blog and have spent a great deal of time expanding my knowledge of badassery in the realm of FI.

I've been learning about FI for awhile and have previously been a fan of Dave Ramsey. I'm not the hugest fan of his religious additions or the products he tries to sell, but have always been a fan of trying to eliminate debt.

Since reading the blog, we've eliminated nearly $700 a month in payments ( and eliminated all of my credit card debt in the process)! Now are attacking my student loans and am hoping to be at a positive net worth by 2018!

I'm a Healthcare Administrator and married with 3 kiddos.

DailyGrindFree

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Re: Say Hi and Introduce Yourself
« Reply #2938 on: September 24, 2016, 07:53:14 AM »
Hi everyone, we are Mr. & Mrs. DailyGrindFree , I am in my late 40's and she is in her early 40's. We just got started to get serious about early retirement several months ago. We already have some accumulated for our retirement and hoping to retire in the middle of 2020 or some time in 2020. I didn't do the specific math and read about portfolio theory until just a few months ago. Since We realized that it was attainable if we lower our expenses and be smart with our money we decided to shoot for 2020. If we need additional income I can always work part time for a few more years. My ultimate goal is to be done with cubicles and 9-5 routine as soon as I can.

Looking forward to getting to know everyone better and getting some good advice. I will be posting about our progress and I am sure I will have plenty of questions for MMM blog members.

Here is where we stand as of today: http://www.dailygrindfree.com/net-worth/

The Owl and the Pussycat

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Re: Say Hi and Introduce Yourself
« Reply #2939 on: September 28, 2016, 07:19:16 AM »
Hello,

I hope no one minds if I join in from England, UK?

We live in the rural North East of England (think old churches, green fields with sheep and pretty looking houses).  We have been debt free for years (expect for the mortgage) and save more than we spend.

We would love to be FIRE as soon as possible, but it will be a few years yet.  Things in the UK are very expensive so it is a bit harder to retire early here, but we will get there.

I have been looking for a FIRE forum for some time, but there is very little in the UK so I have been happily reading the posts here.  Looking forward to joining in with the chat.

The Owl

MarcherLady

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Re: Say Hi and Introduce Yourself
« Reply #2940 on: September 28, 2016, 09:19:08 AM »
Hi Owl, welcome from a Midlander!

There are a few of us UK people about on the forums - and also a few who are escapees turncoats expats and are now in the US and other locations.   
One step at a time

Target FIRE: 10/10/2020, but I hang out with the 2021 Cohort

The Owl and the Pussycat

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Re: Say Hi and Introduce Yourself
« Reply #2941 on: September 28, 2016, 10:40:42 AM »
Hi Owl, welcome from a Midlander!

There are a few of us UK people about on the forums - and also a few who are escapees turncoats expats and are now in the US and other locations.

Hi there,

(I am in Yorkshire so a few hours drive north from you.)

Thanks for the welcome.

Hideous Hog

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Re: Say Hi and Introduce Yourself
« Reply #2942 on: September 28, 2016, 05:13:09 PM »
*shuffles into the forum and looks around*

I'm Hideous Hog (y'all can call me HH for short) - fans of the immortal Victor Mollo may recognize my name and my pet hobby by extension.  I'm 54 and married.  Came here by way of another forum devoted to financial mismanagement.  I've got a kind of exasperating situation going on with our mortgage, and that's one of the things I hope to be getting advice on here. My coworkers' advice has all been along the lines of "get an Uzi and..." which, while satisfying, wouldn't really resolve things.

Ahem.  Sorry about that digression.

By day I fix computers.  By night, I'm an author.  At least, that's what I tell myself.  I hope to have my novel completed by the end of NaNoWriMo.  My wife is an attorney - not silk-stocking; she works for the government.  We live in Florida with two cats.
Momentum is not your friend when trying to bring 200,000,000 pounds of starship to a halt.

BalanceLife

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Re: Say Hi and Introduce Yourself
« Reply #2943 on: September 29, 2016, 12:42:53 PM »
Hi,

I am 37 years old, married, stay at home wife and 2 kids (3 yrs and 2 yrs - 15 months apart), working in IT. I have come from family of frugality (my grand father and father) - good at saving, not spending money but never in to investing except agricultural land 30-40 years ago which appreciated 300-400 times. For some reason I have drifted away from savings to little bit more on spending side may be after seeing extreme frugality from my father, thinking I never enjoyed my childhood and have to live well now. But lately started realizing importance of savings, money for future - even though I touch 6 figure in salary - my expenses are on high side - 2 kids, bought new car in 2014, 2nd car (mini-van) in 2015, home in 2016. I have started 529 for both kids, started investing little bit into current employer 401K . After all this I have very little or none to save or invest into anything else. I think I fell into vicious cycle of suburban life trap where I am 100% dependent on my job and I will be broke if I don't have a job. I want to change to mustachian life style as much as possible:

Immediate Goals:
My goals would be to max out on 401k, FSA and any other tax-free benefits - I pay too much in taxes
Pay off the car payments (I pay close to $1100 per month on my car and mini-van) as soon as possible
Reduce some of the expenses which never paid attention - reduce number of car trips, reduce water/electricity/internet bills etc.,
Sticking to Need vs Want - buy only things that are needed (no more just-in-case buys)

Short/long term goals:
max out in IRA as well
Start investing in after-tax funds - Which I think I need to learn a lot
Keep track of the NW  month to month basis
Have goals to every year in NW - I have set one for 2020 (750K) and one for 2040 (10M) - I don't know how realistic and achievable are these, need to evaluate. I am not planing to early retire though - would like to work as long as I can - thinking about financial security of grand kids as well.

Thx

doug111

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Re: Say Hi and Introduce Yourself
« Reply #2944 on: September 29, 2016, 11:32:36 PM »
Hi everyone,

I've started this thread to get some introductions going.  If you haven't posted anything on the board yet, this is a great place to say hi.  If you have posted, then say hi anyway.  :)

I'll go first.

Hi!  I'm Mrs. Money Mustache.  I'm married to this awesome guy that some of you may know and we have a great 6-year old kid.  We live in Colorado and life is good... very good.  :)

Who's next?
Hello my name is Doug, nice to meet you. I pretty much live in Portland Oregon or 5 minutes from there and I was soooooooo sad that I heard that your husband was here 2 nights ago !!!! I want to get a selfie with him soooooo bad !!!! Is he still in Portland right now on vacation maybe ?

Roundy

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Re: Say Hi and Introduce Yourself
« Reply #2945 on: October 02, 2016, 12:33:26 AM »
Hi, all. I've been reading the blog for a few weeks and taken a hard look at my current state of affairs in the process. Currently dealing with a huge pile of debt I placed myself under, but looking forward to accelerating the payoffs and stasching all of those workers in better places.

camry78

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Re: Say Hi and Introduce Yourself
« Reply #2946 on: October 02, 2016, 02:03:38 PM »
Hi, I read about Mr. Money Moustache when I was reading articles online about frugality (can't remember where exactly).  I've been reading the board for a while without signing up, so I finally signed up.

Troutskigolf51

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Re: Say Hi and Introduce Yourself
« Reply #2947 on: October 03, 2016, 08:56:33 AM »
Hi MMM community,
Brand new poster interested in getting my financial house in order.  I've recently have been doing a lot of reading on investing and more importantly retiring!
My spouse really would like to retire but isn't interested in finances and planning, so I have taken it upon myself to do the research and figure out a realistic plan where we could actually make it happen.
I've read a lot of posts here and like the tone and energy of the community.  I have lots of questions and especially clarifications and hope to find some answers and perspectives here.  Hopefully I will also be able to add something to the community from my own life experiences.
Thanks in advance,
Brandon


hajade

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Re: Say Hi and Introduce Yourself
« Reply #2948 on: October 03, 2016, 03:16:36 PM »
Hey Mustachians. I'm a 22-year-old recently converted to Mustachianism by my 26-year-old fiancť. We are both lucky enough to have jobs we love, but are trying to configure our lifestyle so that we can A) be less wasteful and more badass, and B) be able to retire before having kids. See you around!

Tavish

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Re: Say Hi and Introduce Yourself
« Reply #2949 on: October 04, 2016, 11:19:56 PM »
Hi, I'm a long-time lurker, finally ready to join in the conversation.  I'm recently (mostly) FIRE'd, and look to MMM forums for advice and inspiration on frugality, investing, work, and most importantly,  how to live a good and meaningful life. 

I'm a Seattle native, now living on an island north of the city.  I'm in the empy-nest phase of life, which I find to be glorious yet unnerving after spending so many years parenting DD, then taking care of my parents.

I love/value:  friends, freedom, nature, wildlife, dogs, intelligence, humor, honesty, the sea, a well-written phrase, and (unfortunately) potato chips.

I'm working on:  fitness, updating/improving my house/property, learning how to be a good/smart landlord, and doing things outside my comfort zone (like joining a forum!)

I'm looking forward to being a part of this community.











"The cure for anything is salt water:  sweat, tears or the sea." -Isak Dinesen