Author Topic: Say Hi and Introduce Yourself  (Read 696258 times)

adifferentlife

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Re: Say Hi and Introduce Yourself
« Reply #3350 on: July 07, 2017, 12:08:06 PM »
Hello to Forum Members- I have practiced the principles in YOUR MONEY OR YOUR LIFE (great book!),VOLUNTARY SIMPLICITY (a program of The Northwest Institute) and more recently Frugalwoods.  Throughout it all, I have have several financial set-backs (the DOT com crash and the 2008 real estate crash and I am a realtor! Had several years with almost no income and it hit my savings very hard!!!!!!!!) I am now a practicing mustachian- my actions are the only thing I can control and I Love MMM- - there is so much one can do and I APPRECIATE the chance to learn anything new that will make life more meaningful and fulfilling on a shoestring!

sanju

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Re: Say Hi and Introduce Yourself
« Reply #3351 on: July 07, 2017, 04:54:11 PM »
Hi Im Sanju. I am 28yrs old. My family had a lot of money problems while I was growing up and the topic of money has always caused a lot of freeze/collapse anxiety for me. I have been debt free since mid-2014, but I have not been very proactive with saving or investing my income. My friend introduced me to MMM and at first I thought FIRE would be impossible for me. After reading pretty much every post, I realized I needed to deconstruct and let go of self-limiting beliefs and thoughts. The life that I want for myself IS attainable. I am looking forward to beginning this new journey and chapter of my life.

Frugal Fran in Canada

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Re: Say Hi and Introduce Yourself
« Reply #3352 on: July 08, 2017, 11:28:44 AM »
Hi folks!

Long time follower of the blog, new poster.  Over the last few years, I worked hard to get my spending down and paid my debts. More recently, I took a job in a remote area, selling my overvalued Toronto condo for a tidy profit, purchasing a real nice actual house in the middle of nowhere (more or less).

I must say that an increased income (which still isn't huge) went a long way to making savings possible. It is tough to build wealth on $40k/yr as a single person in a major urban centre, even with frugality. And I suppose a good deal of moral fortitude is what made the move possible - it wasn't an easy thing to do on my own.

Anyway, I have found myself for the first time, with a sizeable chunk of investable cash, even after making a large mortgage pre-payment and moving 1700 km.

I'm 38 now, and while I would've loved to start earlier, it's great to have this cash to jump-start things, and now be able to make regular contributions. I've also held for the last 8 years (and continue to hold in my new position), a defined benefit pension plan, which helps my situation a lot. Right now I'm being conservative and aiming for retirement in 12 years, at 50, but if my career continues to grow as I hope, maybe I will be able to push that down.

I'm now getting started with index investing and have a few questions, so will be checking out the "Investor Alley" forum next!

Happy savings :)
FFinC

Mr Griz

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Re: Say Hi and Introduce Yourself
« Reply #3353 on: July 08, 2017, 02:47:20 PM »
Hello MMM forum folks.

Just found the MMM (and related) community the past few months and not a bit too late.  DW RE'd a few years ago and I hope to follow next next year (2018).  Despite some face-punch worthy mistakes we've actually been FI for at least five years.  Who knew!

Shara

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Re: Say Hi and Introduce Yourself
« Reply #3354 on: July 09, 2017, 07:50:20 PM »
Hello everyone!

I recently found this community as I was going through my finances and reading up on investor strategy.  I'm in my mid 30s and was already following much of the recommendations MMM makes, but finding this site and community am looking to dial it up to the next level.  Happy savings everyone!

Hermione76

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Re: Say Hi and Introduce Yourself
« Reply #3355 on: July 10, 2017, 10:27:36 AM »
Hello Mustachians! I've been reading the MMM blog for a couple of years now, and finally decided to join the Forums! I recently quit my extremely stressful job working for a crazy boss, and I'm doing some consulting work to tide me over until I find my next stable gig. My husband and I are middle-range earners, debt-free (we rent, though), and good savers -- but we could be BETTER SAVERS! We live in Southern California, where it's pretty expensive, but where there are LOT of opportunities for Mustachianism -- including riding our bikes, shopping bulk, eating simply, etc. I look forward to getting to know all of you, and flexing my little baby Mustachian muscles!

ZenfantTerrible

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Re: Say Hi and Introduce Yourself
« Reply #3356 on: July 11, 2017, 08:35:52 AM »
Hi everyone,

I am 29 and currently reside in Ottawa, Canada. I have only been working full-time for 18 months, having attended university for a long 6-7 years for an undergraduate and a Master's degrees. I was lucky enough to stumble on Mr Money Mustache while I was still studying (early 2014). As a result, when I started working, I had long been planning how to best manage the finances. I have spread the good word to my brother, who like me, is now putting a minimum 50% of his income towards low-cost index funds every month. Converting my friends to Mustachianism has proved futile so far, however...I am not giving up yet!


ZenfantTerrible

mckaylabaloney

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Re: Say Hi and Introduce Yourself
« Reply #3357 on: July 12, 2017, 08:39:36 AM »
Hi! I've been reading MMM for a couple of years and lurking on these forums for a couple of months -- thought I would finally join the conversation. I'm a 29-year-old lawyer living in a major U.S. city with six figures of law school debt that I can't wait to get off my back. Looking forward to sharing my progress with you all!

ajtegret

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Re: Say Hi and Introduce Yourself
« Reply #3358 on: July 12, 2017, 05:54:33 PM »
Hi all,

Finally got around to checking out the site and stoked to find a forum! Been scaling back the past few years - got rid of my car in LA recently and I'm excited to learn more ways to live simply, unburdened. Looking forward to diving into MMM!

Double0000000

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Re: Say Hi and Introduce Yourself
« Reply #3359 on: July 13, 2017, 10:44:34 AM »
Hi Mustachians - Posted in another thread so I figured that I'd post here too.

I've been going through my personal finance journey for 7 years now and have been browsing MMM for the last few years. Looking to graduate before 2030.

NorCalistache

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Re: Say Hi and Introduce Yourself
« Reply #3360 on: July 13, 2017, 02:09:57 PM »
Hi 'stachers, NorCalistache here. I'm a uni professor, teach economics. Mrs. NorCalistache and I have been together for 35 years, and our three kids have all successfully fledged. My FIRE date is August 2018. Mrs. NorCalistache and I share a preference for simple living.

One challenge is that while our adult children share this preference for simple living, other members of the extended family and some old friends of ours have the "high income, high spending" lifestyle. Once we cash in our chips next year and are FIRE, I think we will need to find other folks practicing simple living, as there will be challenges hanging out with folks who are big spenders.

attr

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Re: Say Hi and Introduce Yourself
« Reply #3361 on: July 13, 2017, 02:46:56 PM »
Hi everyone I also climb things! Lol mostly roofs....that are slanted...and sometimes slippery. Glad to be here apart of the community. Don't really know what to write, why do I have that weird awkward feeling of introducing myself to the classroom? So my name's Todd, I'm a roofer in Nashville Tn  and spend most of my days above ground...or in my boat on the lake.

See you in the forums!

kk1241

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Re: Say Hi and Introduce Yourself
« Reply #3362 on: July 14, 2017, 08:58:06 AM »
Hi I'm Katie! I am 24 years old and currently in grad school for physical therapy who is living off student loans and accumulating lots of debt FAST.


fluffmuffin

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Re: Say Hi and Introduce Yourself
« Reply #3363 on: July 14, 2017, 11:21:36 AM »
Hey yall! I hit a rough financial patch in 2015 and discovered MMM and other FI blogs while trying to figure out how to get back on track. I've always been on the frugal side, but I recently moved in with my spendypants boyfriend and have noticed myself starting to fall victim to the treat yo'self mentality. I'm hoping that getting engaged with the forums will help me stop backsliding and make sure my financial decisions stay in alignment with my values and long-term goals. I love my career so RE isn't my goal, but I want FI so that I can know I'm working because I want to work--not because I have to work. (My boyfriend, on the other hand, would love to RE but thinks it's impossible because of his student loans. Sigh...)

Looking forward to getting to know everyone better!

Tow Pro

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Re: Say Hi and Introduce Yourself
« Reply #3364 on: July 14, 2017, 12:31:14 PM »
What's up guys and gals, this is Mr. Tow Pro, as I am locally known :) I'm getting into a position where I can start looking into other forms of income. I've been towing in Madison Tennessee
 
 for a lifetime but now have a crew of guys on the road that can handle our call flow. I also have a few kiddos who are not digging the idea of joining the family business. I can't blame them! They are always talking about online streams of income so I want to start getting involved in the conversation with them.

Anyways, happy to be here!

anic

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Re: Say Hi and Introduce Yourself
« Reply #3365 on: July 15, 2017, 04:59:43 AM »
Hi everyone,
I discovered this website just this week and I have a feeling it's going to be a great source of information and inspiration. I'm 41, I have two young kids (almost 6 and 4), I'm separated. I have never applied my mind to money throughout my life and now I feel a great urgency to do so. So, I'm reading this site, trying to get a grip on basic maths and pulling my head out of the sand.

I'm nowhere near being in a position to retire and by the time I do get to fix the errors of the past, it'll be time to retire anyway! But at least I'll be looking at a more financially secure old age...I hope.

All the best to everyone.

Rachel_the_Lark

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Re: Say Hi and Introduce Yourself
« Reply #3366 on: July 15, 2017, 06:03:03 AM »
Morning everyone,
I've poked around here a couple times, but figured if I want to get serious that means taking the plunge and engaging with the forum.  I've got a decent track record with finances but want to take things to a higher level.  Looking forward to getting to know everyone here!

RedKing

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Re: Say Hi and Introduce Yourself
« Reply #3367 on: July 15, 2017, 11:15:29 PM »
Good morning Everyone.

I'm Patrick. German, currently living in Dubai. Moving soon to USA (and open for good advice in that matter). I've been following MMM for about a year now and finally decided to sign up to the forum.

Hope all of you have a great day!
The secret of getting ahead is getting started.

onewayfamily

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Re: Say Hi and Introduce Yourself
« Reply #3368 on: July 17, 2017, 08:13:16 AM »
Hi People!

I've been into MMM and even active on the forum for a few years (previously posting under andystkilda) but we've recently FIRE'd and gone nomadic so we started a blog to document our adventures. Hopefully we can also inspire more people (especially families) to win back more time-freedom and live a life more consistent with their values and aspirations.

I look forward to contributing and helping out where I can.

Cheers
We FIRE'd at age 28 (me) and 29 (Mrs. OneWayFamily) and are now trying to travel to every country on Earth - it takes longer with 2 toddlers!

If you'd like to keep track of where we're at - check out our photos @ Instagram or our lame attempt at a blog at onewayfamily.com

GenXbiker

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Re: Say Hi and Introduce Yourself
« Reply #3369 on: July 17, 2017, 09:16:28 PM »
Hello everyone. I'm 50 now and can feel the FIRE approaching! I work in tech.  I actually enjoy my job most of the time, but I look forward to the freedom and adventures that retirement can bring.

My "stache" is currently at about 73x my current yearly "bare bones" budget, but about 43x of a more "practical" FIRE budget to allow about $500/mo spending over budget.

I'm looking at FIRE in 2 to 4 years.

My budget will go up in retirement, plus, I don't want to just be scraping by.  I want to have a very nice cushion when I retire beyond just getting the bills paid.  And about 10 years into retirement, SS will be a bonus.

My frugal ways and saving go back over my entire career, so MMM just reinforces what I've already been doing for decades.  I've read posts in the blog and forum here from time to time over the last several years but just got around to registering.
« Last Edit: August 05, 2017, 01:04:34 PM by GenXbiker »

Cavechild

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Re: Say Hi and Introduce Yourself
« Reply #3370 on: July 18, 2017, 10:55:47 AM »
Been following the Site for a few years.  49 y/o about to FIRE.

NinetyFour

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Re: Say Hi and Introduce Yourself
« Reply #3371 on: July 18, 2017, 11:12:24 AM »
Been following the Site for a few years.  49 y/o about to FIRE.

Congrats!!
My Journal

Countdown to Freedom:  205 days; 24 weeks of classes; 71 days of classes

mosprott

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Re: Say Hi and Introduce Yourself
« Reply #3372 on: July 20, 2017, 11:20:27 AM »
Hi!

I've been lurking for a few years now. My husband just retired @ 60, and I'm working up the nerve to give notice any day now. Hoping to move to less-sweaty climes SOON! (Northern AZ, from DC Metro area)

mollyburnett

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Re: Say Hi and Introduce Yourself
« Reply #3373 on: July 20, 2017, 04:15:05 PM »
Hi all!

My name is Molly and I am 19 years old from Columbus, Ohio. I'm on this forum because my crazy uncle from Boulder, Colorado wanted to give my cousin and I a lesson in ways to be financially savvy in our near futures. So here I am! Through this forum, as well as from a couple other readings, I've learned about the dangers of living a material lifestyle and the outcomes reckless spending could have on my work life. Reckless and unwarranted spending may yield momentary happiness and satisfaction but, it ultimately will result in you spending more hours working than out spending valuable, priceless time with your family and friends. I've also learned that investing early is extremely important. Part of the challenge that my uncle gave my cousin and I was that he and his wife are going to be giving us money to invest in a Roth IRA. While it may seem annoying and unnecessary to do at such a young age, it will pay off in the end. The earlier you invest, the more money you save, the earlier you retire, and the more time you spend doing what you love instead of stressing over money.

In regards to what I wish to learn more about, I'm interested in the long term pros and cons of investing in stocks and bonds. Is it worth the risk?

CSuzette

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Re: Say Hi and Introduce Yourself
« Reply #3374 on: July 21, 2017, 05:08:17 PM »
Hi:

I am CSuzette and currently live in Boston.  I am a long-time lurker and cannot tell you why it has taken so long to figure out how to register :)  Every once in a while I would see something I wanted to respond to and couldn't.

I think I have always been naturally frugal...to the extent of spray starching and ironing my money when I was just a kid :)

The advice here is fantastic and I have some big financial decisions I need to make in the near future and look forward to receiving some valuable direction.

Thank you in advance.

CSuzette


Imma

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Re: Say Hi and Introduce Yourself
« Reply #3375 on: July 23, 2017, 10:52:08 AM »
Hi! :) I'm Imma, 27, from the Netherlands.

I was raised in a frugal and financially savvy way, with a mother working in the investment business, so frugality and FI have always been natural to me. Sadly, I also saw first hand in my family what can go wrong if you let go and succumb to the 'entitlement' consumer logic. I knew I wanted to FIRE before I graduated from high school and have always made my life choices accordingly. I have very little student debt and saved to buy my first home at 24, together with my partner who was not raised like me but picked it all up with an impressive speed. He's currently more frugal than I am. Sadly I have a low income due to health issues, but as we don't need much it's not a huge problem, and because I don't work fulltime I don't need retirement as badly as someone who's working 60 hours/week. I am a longtime blog reader and lurker but decided to finally register because I needed advice about the quickest way to FIRE for me. 

L2

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Re: Say Hi and Introduce Yourself
« Reply #3376 on: July 23, 2017, 08:31:49 PM »
Howdy all. I believe I found out about MMM via reddit about a year ago and have been reading the forum for a few months now, so I decided to join to interact with this awesome community and help hold myself accountable in reaching my goals. I really can't get enough of the FIRE concept...

A little bit about me: I am a 26 year old male who lives in Cleveland, OH and I'm a CPA.

Vienna4ever

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Re: Say Hi and Introduce Yourself
« Reply #3377 on: July 25, 2017, 04:55:50 PM »
Hello fellow like-minded friends that are looking to achieve FIRE!

 My name is Gastón and I am 41 years old, married for 20 years with two little kids. I am an American citizen, but altogether my life is spread across several continents: North America (Florida), South America (Argentina), and Europe (Germany+Russia). I work in Germany at the moment, and I trying to figure out my retirement strategies and options in this international milieu I am currently in.

I'm look for advice/experiences on expat retirement strategies.
« Last Edit: July 25, 2017, 04:59:03 PM by Vienna4ever »

EarthSurfer

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Re: Say Hi and Introduce Yourself
« Reply #3378 on: July 26, 2017, 08:13:04 AM »
Hi All!

It's time for me to transition from lurker to contributor.

I became a FIREbug back in the early early 90s with YMOYL, and paid off my first home in 50 months in the hometown of Mustachianism. That accomplishment awakened me to the power of intensely directed saving and investing.

Like MMM, I realized I made a ridiculously high income as a techie, and I didn't need much in the way of material goods to be happy in life. I'm at my happiest with a backpack and a long trail ahead of me. (Over 14,000 miles under my hipbelt.)

Since paying off my first house, I have been stashing at least 50% of my after-tax income, and choosing to take long periods off paid employment for travel and adventure. I have worked less than 50% of the time since 1998 as either an employee or consultant / contractor. Additionally, a good portion my stash has come from real estate "slow live-in fix & flips," utilizing the $250,000 capital gains exclusion to shield the profit from taxes.

While I have been truly FI since the early-2000s, I have subjected myself to full time employment at times to maintain access to health insurance, which is a must given my Rx bills costs were over $1,000/m (legacy from cancer in my 20s). While I hated paying $400-600/m for insurance on COBRA, it was the price for freedom. Now I am on an ACA HSA plan (~$450/m), all my meds are generic, and the monthly Rx cost is about $130/m.  I had never considered “full retirement” before Medicare eligibility an option due to the pre-existing conditions issue, but the ACA has allowed me to be self-(un)employed for longer than in the past.

Every time I plan to "fully" retire from tech, an interesting opportunity crosses my path. For the past 2 years, I have been maintaining trailing edge tech for former clients and employers, netting me about $85/hr for 600 hours work a year. At present, I enjoy the work, and I like the high return on my time with no capital investment risk when compared to real estate.

My strategy has always been "Adapt and Thrive!" For me the core to the FIRE / YMOYL / MMM lifestyle has been to find niches that I enjoy and exploit the opportunities. My exact path is not your template for success, but the basic philosophy will carry you far.

Particulars: single gay white male, early 50s, 2016 personal expenses: $22,800; paid off condo in Denver; stash ~$1.2m.

Cheers,
EarthSurfer
Retired early, retired often since 1998...

M0ntana

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Re: Say Hi and Introduce Yourself
« Reply #3379 on: July 26, 2017, 03:09:50 PM »
Hey guys! I'm M0ntana, a 27 year-old lawyer from Montreal, Canada. I was always financially literate but realize after a year post-call that financial independence truly is the most freedom you'll get in this (capitalist) world. I am not looking for ER as I love lawyering, but do wish to get FI so that I can start my own practice and delocate from the big city in a few years.

I currently own an income property that's paying more than half my mortgage, try to save/invest about 50% of my net income every month, and do not own a car (though my partner does). I very recently started a side-gig as a wine writer/blogger and hope this will allow me to develop another revenue stream... Overall I just hope to accumulate enough FU money to be able to live on my own terms, not having to answer to anybody. To dream is the first step, they say, right?

Looking forward to poking your brains, guys. See you 'round!

hayesb26

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Re: Say Hi and Introduce Yourself
« Reply #3380 on: July 28, 2017, 11:23:04 AM »
Longtime lurker, first time poster.  I'm Brett, a 28 year old CPA living in New York.  Always have been financially literate (hence the CPA) but have been far too lenient with the spending aspects after tracking my purchases for a year.  Was focused on paying off student loans through my early-mid 20s, and now have a positive net worth around 50k (cash/401k/roth IRA).  Looking to cut down unnecessary expenses and start saving approximately 50% of after tax income going forward.

Looking forward to chatting with everyone and continuing to learn!

Oemssi

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Re: Say Hi and Introduce Yourself
« Reply #3381 on: July 31, 2017, 12:03:22 PM »
Hello, just discovered this forum and decided to join. I'm a 30-year-old civil engineer from Tampere, Finland and aiming to retire early. I've always been quite frugal but found room for improvement after discovering the MMM blog.

I have an almost 6-figure portfolio of stocks and one rental property. I recently moved to the city center and got rid of my car, savings rate is in the 60-70% range.

There are some geographical differences that make the journey a bit more challenging here. Compared to the US and most of the western world, here in Finland salaries are lower, taxes are higher and consumables cost more.

Financial upsides here are universal healthcare and low interest rates, so gotta take advantage of those! And the fact that education is free, so I have a Master's degree and never had any student loan.

See ya around!
« Last Edit: July 31, 2017, 12:11:57 PM by Oemssi »

noplaceliketheroad

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Re: Say Hi and Introduce Yourself
« Reply #3382 on: August 01, 2017, 12:01:11 PM »
Hello mustachians!

I just discovered the mustache life a couple months ago...and DH and I are trying our best to live it while on a unique career path. We're both filmmakers from Los Angeles, but we recently relocated to the east coast for 6 months as DH has a gig out here. I don't know where we'll be next year. Would love to hear any recommendations from people who travel often and last minute for work!

Thanks all!


Snow

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Re: Say Hi and Introduce Yourself
« Reply #3383 on: August 02, 2017, 05:01:50 AM »
Hi all!

I just rediscovered the MMM blog a few weeks ago, and feel like an idiot for not absorbing all the wisdom earlier. I live in Norway (hence the snow reference) with my Mr. Snow in a roomy but sensible flat. I just started my 4 year phd (something you get paid for over here), which is absolutely terrifying.

When I graduated with a MSc in 2014 Norway just nose-dived into an oil crisis, meaning many people with similar skill sets to my own got unemployed and on the market, leaving a recent grad like me pretty helpless. I scraped by as best I could and slowly but surely managed to get my head above water (which is why 4 years of stability is an absolute luxury). Vowing never to return to such a state of utter helplessness, I plan to save at least 50-60% of what I earn and also try to start up a small side venture in order to put my eggs in several baskets, so to speak.

tommo

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Re: Say Hi and Introduce Yourself
« Reply #3384 on: August 02, 2017, 11:32:56 AM »
Hi,

I'm Ray, completely daunted by all this information. Want to retire young/ish like most here, where to start though?


Tass

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Re: Say Hi and Introduce Yourself
« Reply #3385 on: August 02, 2017, 05:08:27 PM »
Read through the whole archive in a couple weeks and thought it was time to dive in here. I thought of myself as a frugal person before I discovered how much room there is to take it to the next level! Working on bumping my savings rate from about 12% up to 30% at the moment. (Alas, rent is a reality of being a grad student in Southern California, and I have 3 years to go in my degree.) I'm not really interested in the early retirement part of this blog (yet) but I love the financial independence side.

@Snow Nice to see I'm not the only PhD student around!

alexpkeaton

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Re: Say Hi and Introduce Yourself
« Reply #3386 on: August 03, 2017, 01:31:15 PM »
This is my second post, actually, but it seems I should say "hi" here first. I've been lurking on and off ever since MMM's profile in the New Yorker. I've kind of been looking for a new forum/community, as my current "home" forum is slowly dying (prospers.org, if you're curious, membership is restricted so the death is inevitable).

I'm not fully on board with extreme frugality, but I appreciate that this crowd isn't religious about it. Spend money on things that are worth it to you and spare it on things that are not. I want to FIRE, but I also want to live in relative comfort now and in retirement. I also live in Manhattan which isn't exactly cheap, but it's a life choice I'm happy with. Doesn't hurt that my earning potential here is ~3x what it would be in most of the country.
« Last Edit: August 03, 2017, 01:40:24 PM by alexpkeaton »

one piece at a time

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Re: Say Hi and Introduce Yourself
« Reply #3387 on: August 03, 2017, 03:55:20 PM »
Hi Folks,

It seems I was living the MMM lite lifestyle before I found this site but it is certainly validating to see others discuss frugality. Unfortunately I can't share fully in the "muscle over motor" philosophy due to some limits, but the rest of the ideas are scarily shared. I'm still working having recently moved to a lower COL area. Two kids at school, stay at home wife, about 3 years from full FI (excluding mandatory retirement savings) and about 2 years from 40. As an engineer in a low stress role I thing I'll stick with working until the kids leave school. Hobbies include bass, rhythm guitar, gardening and motorcycles. Once I RE I'll be looking to gig more, but sticking to local shows for the moment.

User name is because I got my FI one piece at a time, and it didn't cost me a dime (of delayed gratification).

SOS

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  • Location: Savannah, GA.
Re: Say Hi and Introduce Yourself
« Reply #3388 on: August 04, 2017, 06:10:29 PM »
Hello Everyone,

I'm Andy from Savannah, GA. and I drive a Ford F-150.

This site is great and I'm glad I found it. Trying to change my ways and get my girlfriend on board.

Andy


Old Hippie

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  • Posts: 1
  • Location: Austin
Re: Say Hi and Introduce Yourself
« Reply #3389 on: August 07, 2017, 05:28:58 PM »
Hi everyone,

I am 66, FIRE'd at age 52, and just discovered the forum. I live in a suburb of Austin, Tx. and look forward to sharing ideas. I have always been liberal and seem to be more so as I grow older.

liveitupoutdoors

  • 5 O'Clock Shadow
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  • Posts: 8
  • Age: 53
  • Location: On The Road
Re: Say Hi and Introduce Yourself
« Reply #3390 on: August 09, 2017, 07:37:24 PM »
Greetings, MMM Community! 

I retired a couple years ago (earlier than most people I know, but later than most of you!) because life is short and travelling/mountain biking/rock climbing/hiking was calling me louder and louder with every passing year.  I rediscovered MMM via a friend and thank you all for sharing your insights and experiences for the benefit of all, including me; hopefully I can reciprocate here and there!  It's really nice to know that there's a whole community of like-minded co-conspirators who follow logical and frugal paths to achieve long term goals and overall happiness.  I was fortunate to have been brought up by frugal parents and the lifestyle stuck.  Now that I'm retired with more freedoms than ever, I'm looking forward to continuing to live life to its fullest:  the potential is virtually boundless!
Retired at 51 to Live It Up Outdoors!

Kai

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  • Posts: 6
  • Age: 29
  • Location: Olde Town Arvada, Colorado
Re: Say Hi and Introduce Yourself
« Reply #3391 on: August 11, 2017, 08:39:53 AM »
Hi there,

I'm new to forums so I certainly may botch some things here while I figure it out.  :)

Grew up in NE Florida.  Love to bodyboard.  Graduated with a finance degree from UF.  Moved to Kansas City to work in healthcare IT.  First gig was tech writing.  Got married.  Quarter life crisis after 2-3 years in the cubicle.  Could not imagine doing what I was doing for another 30-40 years.  Realizing there wasn't enough time to pursue the things I valued most in life while working 40, 50, 60 hours weeks.  In-laws were in real estate and I figured that was the way.  Quit renting and bought a place that we thought would be highly rentable when we moved out.  Switched to project management to increase income.  Bought another place to rent out a year later.  Already had all our investments in Vanguard index funds.  Friend mentioned MMM.  Binge read the whole thing.  Wife and I started making radical lifestyle changes.  Decreased our spending from 65K to 25K in 2.5 years.  Didn't invest in real estate anymore, socked it all into our Vanguard funds.  Became FI March 2016 just before our 28th birthday.  I left healthcare IT and took a job at a custom furniture shop.  Finally decided to move to the Denver area to be near our best friends.  Here we are.

Really grateful for MMM for reorienting things for us.  Definitely changed our lives.  Look forward to learning here, getting to know some like minded people, and helping anyone the way I've been helped.

junioroldtimer

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  • Posts: 1
Re: Say Hi and Introduce Yourself
« Reply #3392 on: August 11, 2017, 10:15:42 AM »
Hey guys,

I've just started getting into the FIRE concept and am excited to learn as much as I can. I'm 32 and looking to put a plan together. Really excited in getting to know y'all.

Tom

NevermindScrooge

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  • Posts: 9
  • Age: 33
  • Location: Noord Nederland
Re: Say Hi and Introduce Yourself
« Reply #3393 on: August 13, 2017, 01:14:37 PM »
Hi everyone!

I'm a thirty-something lab technician from the Netherlands and really bummed out the differences in tax systems between the US and NL. But, as MMM taught us, I try to be ridiculously optimistic; so I'll be happy about the wonderful bike lanes that are being maintained from our tax money.

Meanwhile I'm trying to figure out a way to work The System to my advantage (not much luck yet, it seems I need to get a Master's in Economy, Business, Accounting and Law to make sense of it all) and I try to save about 40% of my income to be Free in about 12 years. That's the optimistic plan. If we do something stupid in the next few years like getting married and throwing a big party at an expensive venue it'll take a few years longer.

Good luck to you all!

avocado lime

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  • Posts: 3
Re: Say Hi and Introduce Yourself
« Reply #3394 on: August 15, 2017, 08:12:38 PM »
Hello!

I've been reading the blog and checking out the forum since my early 20s and I'm now in my late 20s. Finally ready to start taking my finances more seriously especially since I've had my first "I hate my job" experience. Looking to be FI within the next decade which will be difficult with my low paying day job but I'm obsessed with real estate and am under contract to purchase my first rental property!

Thanks!

lazylonewolf

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  • Posts: 1
  • Age: 25
  • Location: Philippines
  • Hoping to be a retired ol wolfy soon!
    • Cat Nine - My webcomic!
Re: Say Hi and Introduce Yourself
« Reply #3395 on: August 16, 2017, 06:25:07 AM »
Hiya, Lazylonewolf here!

Single, 25, and living in the Philippines. Have a small amount of savings (20%/80% bonds and stock index funds in COL Financial), but no debt thankfully, although still living with parents. I have a lil webcomic site that earns me a bit, but planning to raise it further, if possible. I thought I was frugal (and saved at least 10% while I was working), but I'm glad I stumbled upon this website this early in life! Totally changed my life, and now a practicing Stoic (and Mustachian) to boot!

A. Wilk

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  • Posts: 3
  • Age: 30
  • Location: Japan
  • Housewife with non-mustachian husband
Re: Say Hi and Introduce Yourself
« Reply #3396 on: August 17, 2017, 07:18:05 AM »
Low income earner here!

Just found out about MMM April 2017.
I'm 29, housewife, with a 16 month old baby girl.

Husband is also 29, a first class active duty military with 9 years left, non-mustachian, but is on board with FI.


simone

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  • Posts: 8
  • Age: 40
  • Location: Geneve, Switzerland
Re: Say Hi and Introduce Yourself
« Reply #3397 on: August 17, 2017, 01:40:43 PM »
Hi,
Simone here:
  • 40 year old, male, single, living in Switzerland, near Geneve. I'm in IT
  • broke-up with my GF mainly for reasons related to how to spend money (she was in to buying expensive clothes and dining out - I couldn't care less about those)
  • I stumbled upon MMM 6 months ago, while doing a web search on Vanguard, liked the idea about frugality.
  • I make 100K net (after all taxes and health insurance), have 300K in the bank and own my house. no debts.
  • Right now I'm aiming at hitting 60% monthly saving and investing
  • I like to cook, brew hard cider, kombucha,curing meats, and fixing stuff
  • Last year I started flipping houses (countryside) with a 30% margin each

My plan is to move back to my country (Italy) and do a side gig around my kitchen related hobby, while being part time involved in flipping houses.

Comments?
« Last Edit: August 17, 2017, 02:13:12 PM by simone »

Jeferson

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  • Posts: 15
Re: Say Hi and Introduce Yourself
« Reply #3398 on: August 18, 2017, 04:18:46 PM »
Hi,

I am Michael, but my friends call me Jeferson (my old nickname), I come from Czech republic which is a small country in the hear of Europe. I am interested in forex trading to which I have dedicated over 2 years so far
Why do people think that my name is Jeferson?
 Read my trading journal

IsaacEmbley

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  • Posts: 3
  • Age: 25
Re: Say Hi and Introduce Yourself
« Reply #3399 on: August 22, 2017, 04:57:04 AM »
Hi Everyone, I 'm IsaacEmbley.