Author Topic: Say Hi and Introduce Yourself  (Read 1119074 times)

SaucyAussie

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Re: Say Hi and Introduce Yourself
« Reply #3500 on: November 06, 2017, 07:12:30 AM »
Hi All - I'm Robert, 47 years old, 2 kids, divorced.  I got a late start on this caper but I have make up for it the last couple of years and hope to be able to FIRE around 52.

Bell

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Re: Say Hi and Introduce Yourself
« Reply #3501 on: November 06, 2017, 11:33:47 AM »
Hey folks. I'm a 28 year old librarian looking to retire before 40 or at least be FI.

Gaurav

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Re: Say Hi and Introduce Yourself
« Reply #3502 on: November 09, 2017, 09:58:00 AM »
Hi Everyone,

My name is Gaurav. I am 34 years old and based out of India. India, traditionally, has been a saving oriented society. With economic liberalization and globalization, consumerism is being heavily promoted in the country.

While I am a junior mustachian, I inherited habit of frugality from my parents. I don't let credit card debt pile up and haven't had a single cent of interest and finance charge ever since I started using credit card. Not many people in India use credit card in the first place. I have some savings (8 months liquidity), some long term investments (mostly Indian equivalent of 401k) equivalent to 12 months liquidity, negligible credit card debt. Elephant in the room is 25 year mortgage which I raised while buying an apartment 2 years back. I have prepaid most of it and the remaining will get over in next 3 years.

I have no car. I commute mostly by budget motorcycle and occasionally by bike. I live 8 miles away from my office. City transport infrastructure in my country is not at par and everyone ends up buying a motorcycle at least (it is very cheap to buy one in India compared to car. You need to fork out $1k for new budget motorcycle whereas a small hatchback car will cost $4k at least. Used cars market is not that common and reliable either.

I love endurance activities (running and hiking) and am a voracious reader. I live uncomplicated and uncluttered life. Interest is to achieve FI and move back to the countryside. Looking forward to contribute on MMM board and join the discussions.

Best regards,
Gaurav
             

JonEll

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Re: Say Hi and Introduce Yourself
« Reply #3503 on: November 10, 2017, 04:48:43 PM »
Hi everyone-

I am a long-time MMM reader, just recently discovered the power of the forums.

Here to learn, get motivated, and start my path to FIRE. I work in the real estate world.

Looking forward to the discussions!

ChewBarker

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Re: Say Hi and Introduce Yourself
« Reply #3504 on: November 11, 2017, 06:25:28 PM »
Hi there, I'm from New Zealand and have been following MMMs blog for a while but only recently got super motivated to apply the tools of the blog to my life. I intend to retire in 4-5 years. Shame I've started a little late getting out of the consumerism life style. Buying lots of stuff doesn't make me happier. Took me a while to get this simple concept.

I have a few killer bees to kill before they sting me to death. I'm in the lucky position of having a good income of $100k plus a commercial property that provides a passive income of around $75k. I also have $400k in my superfund. I work for Air New Zealand as a Flight Planner and intend to job share 3 days on 6 days off in four years time. In the meantime I'm aggressively destroying the debt I have on our home and commercial property. The biggest light bulb moment for me from the blog is "it's not about the money". For me it's about taking control of my life and creating freedom. Even now in my debt state I feel happier knowing I am taking control of my life. Thanks MMM love you longtime.
Bret

TheWifeHalf

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Re: Say Hi and Introduce Yourself
« Reply #3505 on: November 11, 2017, 07:42:39 PM »
Hi!
I'm 59,  and TheHusbandHalf and I have been married for 37 years and empty nesters for 3-4 years.
I guess we are already  FI, our money makes the same as he makes by working.  He does the same thing I do only on a bigger scale. He sits in front of 6 computers and tells people what to do - I sit in front of one computer at home and tell him what to do!

Yes, he's still working, until all this health care stuff is worked out nationally. He is thinking maybe in less that 3 years he retires.

I was in a car accident 10 years ago, had a closed head injury (coma, rehab patient). Though unless someone is told, it is not obvious I have any problems, but there are little things that we just can not be without guaranteed health insurance.
Why am I here?
I ended up here while doing what I normally do - using this computer to keep my brain stimulated, and decided "I bet there are things to learn here" so here I am!

FIREbender

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Re: Say Hi and Introduce Yourself
« Reply #3506 on: November 15, 2017, 06:31:52 AM »
Hello everyone!

I found MMM almost one year ago browsing through the internet, and kept reading through all his posts. Since then I've shared with my wife and we are working together to get our net worth from the red and back to black.

Both of us are young and impatient, but working hard to achieve our goals. I've been lurking and learning on these forums for a long while now, but figured it was time to become a part of the community.

I hope to learn and grow along with the rest of you here!

Eden

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Re: Say Hi and Introduce Yourself
« Reply #3507 on: November 15, 2017, 08:24:29 AM »
Hi, I'm Eden,

My husband and I just hit FI on May 8th 2017.  Life is good and we really enjoy the MMM blog. 

G-dog

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Re: Say Hi and Introduce Yourself
« Reply #3508 on: November 15, 2017, 05:43:39 PM »
Hi, I'm Eden,

My husband and I just hit FI on May 8th 2017.  Life is good and we really enjoy the MMM blog.

Woohoo!  FI! Love that you have an exact date.

Cubert

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Re: Say Hi and Introduce Yourself
« Reply #3509 on: November 17, 2017, 04:50:06 AM »
Hello, I'm Cubert. I live in Minneapolis with my wife and two kids. My goal is to take much of what I've learned from Pete and Mrs. MM to reach an early retirement by age 46. We're using real estate and small business in conjunction with my full time corporate gig to make it happen. Oh yeah, we avoid extravagances too. Honda Fit? Yessiree. Sadly not a stick shift, but I'm not perfect. :-)

Glad to be a part of the forum! Stashes on FIRE!!!

Greenback Reproduction Specialist

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Re: Say Hi and Introduce Yourself
« Reply #3510 on: November 17, 2017, 07:18:58 AM »
Hi, and welcome cubert!

KathrynM

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Re: Say Hi and Introduce Yourself
« Reply #3511 on: November 17, 2017, 01:55:24 PM »
Hi, I just joined today. I am from Colorado and enjoy skiing, hiking, and just generally being outdoors.....

Jantoven

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Re: Say Hi and Introduce Yourself
« Reply #3512 on: November 18, 2017, 08:34:59 PM »
Hi all!  Been lurking for awhile, decided to finally jump in and start posting.  My wife and I are in a HCOL area, grinding our way towards FI, not sure about FIRE.  Looking forward to contributing to this wonderful forum and learning from y'all.  :)

mrkm

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Re: Say Hi and Introduce Yourself
« Reply #3513 on: November 19, 2017, 03:49:32 PM »
Hello! My name is Mike, and I'm a 30-year-old public high school teacher in the greater Seattle, WA area. My wife (29) and I have a son (18 mo.), a 2-year-old golden retriever, and a 12(ish)-year-old cat. My wife is a novelist and freelance writer. We rent a home with my brother (28), an assembler at an aerospace company. There are many factors at play in our financial decisions, so I've been doing a fair bit of research, and I recently discovered the MMM blog and community. I hope to learn a lot.

FI/RE seems impossible for us right now, but we know that we can turn "impossible" into "unlikely" and "unlikely" into "attainable" with careful planning and decision-making. That's why I'm here!

See you all around the forums.

AFinancialSavvyDoc

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Re: Say Hi and Introduce Yourself
« Reply #3514 on: November 19, 2017, 07:55:47 PM »
Hey there!

New to the forms here.  Names Matt I am a first-year dental student and I am trying to better understand how to run a business before I actually own a business. I am strangely obsessed with being frugal and learning about finances. I want others to have the same information so I started a blog!  I'm excited to be part of this forum to learn and hopefully help others!

I like to ski and scuba dive! I am married and no kids yet!

That's me! 

AR

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Re: Say Hi and Introduce Yourself
« Reply #3515 on: November 20, 2017, 01:13:45 PM »
Hey Hey!
I found MMM about a month ago and have been on a bit of a binge reading (almost) all MMM's posts and now into the forums. 

Bullet Point Profile:
-I'm 33yo and just relocated to South Carolina with my wife for her career and to get away from the cold (we're Canadian)
-Based on my reading, i'm pretty certain I am a Mustachian and luckily my wife is pretty darn Mustachian as well...although we didn't know that was a thing until very recently
   
Examples:
 - We own one car that is 16 yo
 - I ride my 20 yo mountain bike as much as I reasonably can
 - Our primary residence for the last 18 months has been a sailboat with the equivalent of about 300sqft of living space
 - Although we love the sailboat, we just bought a fixer upper house within a short bike ride of my wife's work in a great community, with cash
 - Our yearly spending is about 25K
 - We will only buy wine that comes in a box
 - There is currently a piece of tinfoil in our drying rack that has been re-used at least 5 times
 - I do a bit of work from home as a consultant, but left full-time employment 18 months ago

I feel like I've found my people here and just wanted to say Hi!!

G-dog

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Re: Say Hi and Introduce Yourself
« Reply #3516 on: November 20, 2017, 04:50:33 PM »
Hey Hey!
I found MMM about a month ago and have been on a bit of a binge reading (almost) all MMM's posts and now into the forums. 

Bullet Point Profile:
-I'm 33yo and just relocated to South Carolina with my wife for her career and to get away from the cold (we're Canadian)
-Based on my reading, i'm pretty certain I am a Mustachian and luckily my wife is pretty darn Mustachian as well...although we didn't know that was a thing until very recently
   
Examples:
 - We own one car that is 16 yo
 - I ride my 20 yo mountain bike as much as I reasonably can
 - Our primary residence for the last 18 months has been a sailboat with the equivalent of about 300sqft of living space
 - Although we love the sailboat, we just bought a fixer upper house within a short bike ride of my wife's work in a great community, with cash
 - Our yearly spending is about 25K
 - We will only buy wine that comes in a box
 - There is currently a piece of tinfoil in our drying rack that has been re-used at least 5 times
 - I do a bit of work from home as a consultant, but left full-time employment 18 months ago

I feel like I've found my people here and just wanted to say Hi!!

You may want to check out the meetup threads for local informal meeting and more formal camps. Then you can see your people in person!

AR

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Re: Say Hi and Introduce Yourself
« Reply #3517 on: November 20, 2017, 05:47:04 PM »

You may want to check out the meetup threads for local informal meeting and more formal camps. Then you can see your people in person!

Thanks G-dog, I will do that!  Cheers.

BookLoverL

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Re: Say Hi and Introduce Yourself
« Reply #3518 on: November 24, 2017, 12:34:51 PM »
Hi everyone! I'm BookLoverL, I'm 24, and I live in England.
I first discovered MMM about two years ago and have been lurking since, but decided to finally make an account. Originally, I planned to do the recommended route of get a job, save money for 10 years, and then retire, but then I realised that I hate office jobs so much that even 2 years as an employee would be too long. Therefore, I'm currently living off the savings I had left from my university student loan (the year I graduated means that paying it back is basically set up more like a tax, so if I'm not earning, I don't have to pay anything) combined with some leftover money from a grant I got when I tried teacher training (also not for me, it turns out), while setting myself up as a freelancer/entrepreneur.
If I'm setting my own hours and doing my own work, I've achieved half of the things I wanted to retire early because of anyway. I'm still definitely very much into frugality and against needless consumerism. I'm not earning much yet, but I'm sure that I will be soon. I really don't want to go back to the mind-numbing tedium and conformity of office work, so I've got the motivation.
I'm looking forward to participating more actively in the forum.

Anatidae V

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Re: Say Hi and Introduce Yourself
« Reply #3519 on: November 25, 2017, 03:32:15 AM »
Hi everyone! I'm Quackersnatched. My favorite TV show is Duck Tales.
I've got the theme song stuck in my head now! Welcome!

MoneyMouse

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Re: Say Hi and Introduce Yourself
« Reply #3520 on: November 28, 2017, 01:25:49 PM »
Hello, everyone!

I'm MoneyMouse, from Alberta, Canada.
I discovered Mr. Money Mustache about two or three years ago, but haven't been thinking about it a lot until recently.
I'm still young in my working career (3 years out of University, but fortunately working in my field for now), but have no debt and am definitely a "dragon" with my money - I like to sit on a big pile of coins. But I need to invest this pile of coins for sure, and I'm resolving to make that my first step followed by trying to embrace more Mustachianism in my spending to boost my currently 8-10% savings rate as high as I can.

I already live within walking distance of work and my gym, and only use my car 2-3x a week for trips to my long-time karate club in a neighboring city (30 mins away in an ittybitty used Honda Fit).

I'm a little scared because my current job situation is very tight and I may not have a job for much longer at the time of writing, but I also know I'm in enough financial security right now that I don't need to throw myself into another job right away. My biggest worry right now in following Mustachianism is that both my partner and I earn less than $50,000 a year (each), and being in public and pseudo-public organizations, we're not likely to get a raise anytime soon. But for now, I can certainly work on cutting down my spending a ton.

Thanks, guys, and I'm looking forward to learning and adventuring alongside you!

desertkender

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Re: Say Hi and Introduce Yourself
« Reply #3521 on: November 28, 2017, 05:21:46 PM »
Hi, I'm Desertkender. I'm 24, live in Vegas, and studying to be a highschool science teacher. I love nature and like to draw fauna and flora. They make very pretty Christmas cards and calendars.

The goal is to be financially independent by 40 so I can dedicate the rest of my life to helping people fall in love with, protect, and preserve wilderness.

I'm here so that I can learn how to beat my debt down and make my 'stache grow quicker!

MrsBFI

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Re: Say Hi and Introduce Yourself
« Reply #3522 on: November 28, 2017, 05:56:23 PM »
Hey Everyone!

I'm a 20 something that recently graduated college and came to the realization that I'm not cut out for the rat race. My S/O and I are doing what we can to try and become FI as quickly as possible (at this rate, looks like that should be in my 30's for me, and a little later for him). We currently are house hacking our first property and are paying down debt as quickly as we can.

We are chronicling our journey if you would ever want to follow along (this includes the newest adventure of planning a wedding without going into debt!)
Look forward to becoming a part of this community and learning as well as hopefully passing on some knowledge as well!

www.befindependent.com/

waffles

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Re: Say Hi and Introduce Yourself
« Reply #3523 on: December 02, 2017, 11:18:22 PM »
Hi everyone!

I'm 51, and became eligible to retire just over a year ago. I had been told early in my career to put money into the retirement fund (TSP), be sure to get full matching, and leave it alone and let it grow. So I did.

Upon realizing I was eligible to retire, I suddenly realized I didn't know how to use all that money I had barely looked at in my retirement fund. So I turned to some internet research and found this site. I really wish I had found it earlier in my career but I am glad to have found it now! I have been reading here and jcollinsnh and feel like I have a better idea of how FI works.

Despite paying very little attention to my TSP I've done okay. Since I wan't looking at it in 2008 I didn't panic and left my stock investments alone, and continued putting money into stock funds.

So now I am looking at retirement affordability, and y'all are going to laugh at me and my fears. Because our accounts have gone up so much in this amazing bull market, it feels like pretend money, not quite real. Like vapor. So if DH and I retired now, a thumbnail of our finances would be:

My retirement:  70,000/yr
DH retirement:  30,000/yr
Total in retirement funds and taxable account: 2 MM
No kids, no debt beyond a small mortgage

And I am terrified of a giant market crash...yes, I've read about the 4% SWR and still am afraid the recent large increases in our accounts will melt away like snow in summer and leave us without enough to weather medical/inflation/emergencies ahead. I have mandatory retirement in just under five years from my current job but I am burned out NOW and am trying to figure out how much longer to stay. I swing between "we only get one life and we should have enough" and "a responsible adult would keep working to maximize retirement in 5 years, and age 56 is still earlier retirement than many".

Just typing this has actually helped organize my thoughts a bit. I am finding leaving my steady paycheck frightening and staying for now is safer but at the same time I would love to leave my stressful job and do my own thing. The pre-FIRE checklist on this site is very useful, and I am starting to do the steps there so I will be ready. Whenever that is.

If I'd found this site earlier in my career I'd be even better off! I grew up in a family that never discussed money and really have only been better educating myself about finances for the last few months.


gabster

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Re: Say Hi and Introduce Yourself
« Reply #3524 on: December 03, 2017, 07:11:07 AM »
Hello! My adorable dog and I live in the Washington, D.C., area. I found myself struggling with health crises for him and my other now-deceased dog this year, and these experiences inspired me to look more carefully at my habits to ensure I am prepare for the next emergency. I'm grateful to have found this resource. Thanks!

EarlyInJourney

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Re: Say Hi and Introduce Yourself
« Reply #3525 on: December 04, 2017, 04:16:59 PM »
Hi all,

After learning about FI/RE earlier this year and doing lots of reading and lurking on the MMM site and this forum, I want to get a bit more involved and (hopefully) make myself a bit more accountable re: goals.  As my profile name would suggest, even though I'm 40 years old, I'm not very far along on this path.  I have certainly not been frugal or very smart with money, and my current finances/net worth bear this out:

Not so hot:
- Student loan debt  61K
- Credit cards     11K
- Car lease remaining  5K

On the positive side:
+ HSA  7K
+ 457B  3K
+ Cash  4K

So yeah, not great.  But there are 3 things that make me feel much better about my financial situation:

- My partner and I are earning and saving -significantly- more now than we had been, due to new, much better paying jobs in a new state.  Over 200K/yr joint income, currently saving 50-60% of net.
 
- I'm vested in one state pension (this one very solid), which will/should pay 2K/mo starting at age 65.  I'm 3 years away from vesting in my current state's pension (this one a bit less solid), which should/will pay $3200/mo IF I work here until age 60 or $4900/mo if I make it to age 65.

- Assuming Congress doesn't mess with it in the meantime, the Public Service Loan Forgiveness program should wipe out a big chunk of my student debt in 4 years - about 50K!

I'm much more about FI than RE, since I actually like my job and the thought of working for another 20-25 years doesn't make me cringe.

Thanks for all the insights and advice y'all have shared,
EarlyInJourney

Northaholic

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Re: Say Hi and Introduce Yourself
« Reply #3526 on: December 06, 2017, 05:52:18 AM »
Yellow,

I am also a Mike. There are many like me, but I am my own. I currently live in North Western Minnesota. I have been try to read and get into the amazing world of money mustaches for about half a year. I am 25 now and time marches on, so there is no better time to start grooming my mustache a.s.a.p.

It seems that I am very similar to a lot of other people on here it seems. I enjoy creating things, writing, cooking, and trying to find any way to get ahead.  I live in a very ahh... unmustachian environment. The NW MN is a literal frozen tundra 1/3 of the year with punishing temps of (60 below to 10 above) and long commutes (30+ miles) to a work place are normal. You have to be a gluten for punishment to live here, my Centralized Canadian neighbors have my condolences as well.

I am not sitting to terrible financially, but it will be an uphill battle for a while. The biggest downfall I am seeing so far is loans. Specially my car loan as I had a run of bad luck with vehicles having fatal issues 1-2 years into owning them, just when I paid them off....

Where I live, unless you are very lucky, everyone needs a vehicle for at least 1/3-1/2 of the year. So I buckled down and got a new basic Subaru Impreza. Amazing on snow and ice, and on the gas. My average daily commute is about 40-60 miles.

Debit:
Student Loan -18k
Car -18k
Bank Loan -2k
Credit Card -1k
Possible house soon -45k

I work 2 jobs with a net income of about 2,000-2,400 a month. I have no issue living cheaply, but it seems like there is a never ending life tax associated with existing. I have come away with a bunch of amazing tips from this site already. But is anyone else in this kind living situation?

Thanks everyone!

Best Regards,
Northaholic

Darin Shreves

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Re: Say Hi and Introduce Yourself
« Reply #3527 on: December 06, 2017, 07:55:05 AM »
Howdy, all!

I'm Darin, a 33-year-old un-married no-kids lawyer who rents in Kansas City, Missouri.

I learned of the MMM blog a few months ago from a close friend, a tip for which I'll always be grateful. (I wonder if he's also a forum member here?) Discovering MMM was, without exaggeration, a "Eureka!" moment; I was immediately hooked. Since then I've been reading every MMM blog post in chronological order. Thus far I've made it to February 3, 2013, so there's still lots of reading and learning ahead.

I was, in my pre-MMM life, fairly mindful of and careful with my personal finances. A few years ago I read Burton Malkiel's "A Random Walk Down Wall Street" and it was hugely impactful. However, MMM's grander Mustachianism/badassity approach inspired me to do more, particularly since it has the side benefits of promoting human well-being and protecting the natural environment, two causes I care about deeply. I've already implemented some of his techniques (such as buying a hybrid bike and using it to commute to work), but I want to do more, which is why I joined this forum today.

I look forward to swapping ideas with everyone and connecting with fellow Mustachians in the Kansas City metro!

cloudo

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Re: Say Hi and Introduce Yourself
« Reply #3528 on: December 08, 2017, 10:21:21 AM »
Hello everyone, I'm a long time lurker, first time poster.  I work for a medical device company and have a side hustle playing online poker.  I want to achieve FIRE so I can read, learn, write, and play games at my leisure.

pvilla

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Re: Say Hi and Introduce Yourself
« Reply #3529 on: December 09, 2017, 08:32:11 PM »
Dave here. Just paid off debts but refi mortgage close to 3K per month. 61 year old. Spouse younger, needs almost 20 year to retire. 2 children - 15 and 8.

thefrugalhaligonian

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Re: Say Hi and Introduce Yourself
« Reply #3530 on: December 11, 2017, 05:55:18 AM »
Whats up, party people?

I'm Melissa from Nova Scotia! I run a twitter account called Moneyhugger Halifax, and potentially a blog in a near future.


NiteWolf

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Re: Say Hi and Introduce Yourself
« Reply #3531 on: December 12, 2017, 07:28:19 AM »
Hi everyone,

I'm NW and will be moving to Winnipeg from Thailand soon. I'm married with 4 kids.

speedofsound

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Say Hi and Introduce Yourself
« Reply #3532 on: December 15, 2017, 01:59:56 PM »
Hello. My name is John and I'm a married, no-kids guy living in the Kansas City area.  I have been working on this plan for a while. I'm a CPA and wife is an accountant. I also play the piano for money sometimes.

HHIA: $135K
Debts: $0
NW: $200K ($100K liquid, $100K invested in retirement accounts).

Monthly Expenses:
$1000 - Rent
$300 - Utilities and Insurance
$30 - cell phone (shared)
$25 - sundries (Netflix, Amazon Prime Student Account)
$250 - one or two dinners out per week.
$50 - gasoline (I live 3 miles from work, wife w/i walking distance)
$200 - groceries

We rent but are thinking of buying a small (800-1000 sf) house with cash.

My biggest struggle: dealing with family who don't get the plan and spend profligately, and pressure me. They tell me I'm not 'living up to my status', etc...I don't ever break, but I can admit to bending (emotionally) in private moments and having frustration. This is the thing I need help with most.
« Last Edit: December 15, 2017, 03:56:17 PM by speedofsound »

t185

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Hello from PA
« Reply #3533 on: December 18, 2017, 12:15:16 PM »
Been a cheap bastard my entire life.
Surprised it took me this long to find this site.

Brannen

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Re: Say Hi and Introduce Yourself
« Reply #3534 on: December 20, 2017, 08:29:46 PM »
Hello All,

Currently binge reading the blog and planning a budget for 2018. I live in Georgia and brew beer for a living, good times are cheap and the weather is hot. Any other mustachios in the south that want to meet up and exchange stories and a drink (on me of course).

Currently crushing the last few thousand of student debt and on my way to a promotion and positive net worth!

Cheers!

froggie

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Re: Say Hi and Introduce Yourself
« Reply #3535 on: December 21, 2017, 05:03:14 PM »
Hiya,
Froggie here.
I am 36, single mom, from greater DC area. Originally from France, moved to the US 15 years ago.
I was just doing my thing and working hard to retire in 6 years. And then, just last week, I got fired (the no-more-job-unexpectedly kind):
https://forum.mrmoneymustache.com/welcome-to-the-forum/who-else-got-fired-the-week-before-christmas/

My new free time led me to the MMM forums!

Yay to unplanned "holidays".

CCHQ

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Re: Say Hi and Introduce Yourself
« Reply #3536 on: December 23, 2017, 03:31:07 PM »
Hey there. I make videos. People even pay me for them.
« Last Edit: December 26, 2017, 07:21:51 PM by CCHQ »

montgomery212

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Re: Say Hi and Introduce Yourself
« Reply #3537 on: December 24, 2017, 02:25:25 PM »
37 yr old, single, female, lawyer, living in DC for almost 3 yrs Ė in NYC for ~10 yrs before that.  Just started reading here in the last few months and esp. during this Christmas time off, but Iíve always been a live below your means type.

Went to a top law school and the trajectory from there is a big city law firm where you make top dollar (while working 24-7).  You work like that for 8-10 years, and then the firm owners decide whether to make you a fellow owner (partner).  Recession hit when I was a newly minted 2nd year associate and I quickly realized that current partners were freaking out about business falling off and were not even looking to keep associates for 8 yrs, let alone allow any new owners to share a piece of the pie.  So I always thought Ė this is going to end and then I will be unemployed/searching for a ďregularĒ job so take advantage of the big money now.  But reality is I worked SOOO much, there was no time to spend money anyway though rent etc. in NYC is expensive.

So as expected, I got pushed out in year 8 at age 33, then ended up unemployed for 18 months and then had to move to DC for a government lawyer job, which I hated and still do.  When I first started in the government, I had the view of Ė Iím not staying, Iím out of here in a year etc. Weíre at 2.5 years, and Iím still here.  Reality is, the market in my industry is REALLY tight and given that it took me 18 months to find this job, itís not like Iím going to find another one anytime soon. 

Plus this job pays well and itís now occurring to me Ė Iíve already made it for 2.5 years and at 3 years, thereís another 1% of my 401k (TSP) that is a government match that becomes vested, so why even consider leaving without that.  That 1% will only be ~$5500, but I think 6 more months is worth $5500.

I feel weird posting exact numbers, even though this is an anonymous site.  Maybe I will, as I grow more comfortable here.  But for now:
Ė   Maxed out my 401k to the IRS max 18k (17k back in the day) since graduation in 2005 (except the 18 months unemployed). 
Ė   Have only had a match for the last 2.5 yrs in the govít though Ė that (vested) 7% has added up really quick and almost ďmakes upĒ for my lack of contribution for the 18 month unemployed stint. 
Ė   Plus I aim to save at least 33% of my net each year. 
Ė   Some of that savings is invested in a brokerage account, which now amounts to about ĺ of my 401k balance.  When I was first building up that account when at a higher salary, I used to move a fixed amount to funds/ETFs every month so I had a great build up thru dollar cost averaging over 3-ish years (2011-2013).  In the last 2.5 yrs, I havenít been doing automatic investment, but still end up putting in a similar amount over the course of the year.  As the market goes higher and higher, I find myself buying the dips more.  I try to be careful not to go too deeply into individual stocks though Ė right now the balance is 75% S&P or sector ETFs and 25% individual stocks (blue chips/decent dividend payers w div reinvestment).

Goals
-   Get out of this government job, as the unhappiness is sucking the life out of me.  IDK if that involves a move back to NYC (much higher COL) and/or a lower salary and most certainly losing the sweet 7% match.  Just donít want to be one of those people who stays in the government for job security and one day I realize that 20 yrs of my life went by bc I was too scared to make a move.

-   Corollary to getting out of the job -- do I try to establish a business so I never have a crappy layoff or lousy job situation again? And do I do that now or find a way to stick it out for another 5-10 years at a good lawyer salary and do it then? (I donít want my own law firm Ė so no idea what a business would be.)

-   Kick the net worth to the next level to make FIRE even more of a realistic possibility (itís somewhat realistic now but it matters how I handle the next 10-15 yrs).  IDK what that entails though Ė a rental property? More stock? I donít own my own home and family/friends always pressure me about that, but doing the math the return on the S&P since I graduated in 2005 (including the recession) has outpaced the increase in housing value including in NYC and DC.  Plus cash/investments feel more flexible to me.  Iím glad I didnít move to DC and buy ASAP only to find that I hate this job and then be sort of stuck bc youíd have to sell a home if you found a better job in a better city or even 20 miles away (the commutes here are killer and determine precisely where you live).  Though I do have a goal of buying/paying off an apartment before retirement to eliminate housing costs in retirement.

Would welcome any thoughts. Just reading this thread has been so helpful.

CanuckExpat

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Re: Say Hi and Introduce Yourself
« Reply #3538 on: December 24, 2017, 02:58:51 PM »
37 yr old, single, female, lawyer
...
Would welcome any thoughts. Just reading this thread has been so helpful.

You are Single Female Lawyer?!?! That is awesome.
Futurerama references are thoughts right?

and welcome

Sharkey

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Re: Say Hi and Introduce Yourself
« Reply #3539 on: December 29, 2017, 07:50:26 AM »
Hi!

Yet another overpaid software engineer here. But with a twist: I live in Ireland.

I only really discovered the whole early retirement concept this year.

However, I'm not in too bad shape financially. I've always funded my tax-deferred retirement account, I own a comfortable but not-too-expensive apartment and I can walk everywhere and don't own a car, so my basic living costs are reasonable. I do spend way too much on travel and books, though.

Still, I'm at the point now where I could stop funding my retirement account and just cover living expenses and mortgage - it should grow to be more than sufficient by normal retirement age.
If the market cooperates by being flat or positive, I ought to be able to cover basic living costs from 4% of investments in 2.5 years.
If it continues to cooperate, I ought to be what I'd consider fully FI (including a fully paid off mortgage, keeping it doesn't make sense here) in a little over 4 years, and then I will RE. I have plans to go study afterwards in a new field, education is affordable here.

Chadbert

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Re: Say Hi and Introduce Yourself
« Reply #3540 on: December 29, 2017, 09:43:34 AM »
Hi, I’m Chad. I’m married with one kid and one on the way. I live in a MCOL area with a frugal wife, so we are on our way. DW is better at saving and not spending and she is teaching me better habits


Sent from my iPhone using Tapatalk

hegemony

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Re: Say Hi and Introduce Yourself
« Reply #3541 on: December 29, 2017, 05:18:15 PM »
Hi all - I've been lurking here for awhile, but I think it might be time to wade into the fray.  With the new year coming on quickly, I've been thinking through some financial plans and personal challenges for 2018.

I'm 37 and female, living in Ontario, Canada with my partner of almost three years. 

I work in education in an administrative/faculty support role.  I've been in this job for three years, after leaving a job as a part-time faculty member (reality: full-time work, part-time pay, limited benefits).  I completed a doctorate nearly six years ago after spending a good long time in grad school.  Thanks to a lot of frugal living and taking on a number of different jobs, I graduated with savings instead of loans. 

I've largely kept up the frugal living, despite needing to a buy a car for work and moving to an area with a higher cost of living.  I have a good pension, a solid savings account, and relatively few regular expenses.  But despite having savings and no debts, I still feel behind where I should be/would like to be, particularly in terms of investing.  This is something I hope to work on going forward, along with cutting back some of my miscellaneous spending and making some other health-related changes, and this forum is a great inspiration and resource.

Wintergreen78

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Re: Say Hi and Introduce Yourself
« Reply #3542 on: December 29, 2017, 06:52:32 PM »
Hi,

Iíve been lurking for a while, finally decided to sign up for the forum and join the conversation. I live on the Central Coast of California. Iíve been with my current career for 13 years, and kept my lifestyle inflation fairly well in check. Iíve made a point of directing most of every raise toward savings. About a year ago I set spring of 2018 as a FIRE goal. About 2 months ago I sat down with my boss and picked the end of January as the date.

So, 1 more month! Iím pretty excited.

I had never set an explicit goal to retire early, but around the time I started looking at the numbers seriously, I stumbled across the MMM blog and forum, along with other sources on the web. They were a big help in realizing it was feasible and seeing some of the ways other people had been able to make it happen.

NinetyFour

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Re: Say Hi and Introduce Yourself
« Reply #3543 on: December 29, 2017, 07:36:00 PM »
Hi,

Iíve been lurking for a while, finally decided to sign up for the forum and join the conversation. I live on the Central Coast of California. Iíve been with my current career for 13 years, and kept my lifestyle inflation fairly well in check. Iíve made a point of directing most of every raise toward savings. About a year ago I set spring of 2018 as a FIRE goal. About 2 months ago I sat down with my boss and picked the end of January as the date.

So, 1 more month! Iím pretty excited.

I had never set an explicit goal to retire early, but around the time I started looking at the numbers seriously, I stumbled across the MMM blog and forum, along with other sources on the web. They were a big help in realizing it was feasible and seeing some of the ways other people had been able to make it happen.

Congratulations--that's great news!!!

You may want to join this thread:  https://forum.mrmoneymustache.com/welcome-to-the-forum/2018-fire-cohort/

Wintergreen78

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Re: Say Hi and Introduce Yourself
« Reply #3544 on: December 29, 2017, 08:27:40 PM »
Thanks! Done.

Germanicus

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Re: Say Hi and Introduce Yourself
« Reply #3545 on: December 30, 2017, 04:42:59 AM »
Hi guys,

I'm also new here. I am following mr money mustache for a while now and I have read a lot of his posts but I still need to read many more, but that is no problem since it is a lot of fun!

Also, I'm trying to blog about my own life en personal finance. With this I hope I can help people with some experience of my own.

Btw, I'm Dutch for whoever wants to know :)

nice to meet you all and I hope i can contribute to some discussions.

cheers,
Germanicus

dlcp

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Re: Say Hi and Introduce Yourself
« Reply #3546 on: January 02, 2018, 07:49:34 AM »
Hello, I've lurked here for a while and finally decided to join the forum. I'm 32, female, married with two children.  I am excited to join in the conversation and learn even more about saving and investing.

chloes1

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Re: Say Hi and Introduce Yourself
« Reply #3547 on: January 02, 2018, 09:45:15 AM »
Hi all,

I'm 49, and a single mother to a 10 yr old.  I live on SSDI and so have a fairly fixed income.

I came here after deciding to get the remnants of my life together.  Since coming here I have paid off all but two recurring bills.  The one credit card will be paid off in two months, and the car loan should be gone in January 2019.

My situation us such that saving any meaningful amounts of money is utterly counter productive... but I can at least learn to live well within my means.

Wintergreen78

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Re: Say Hi and Introduce Yourself
« Reply #3548 on: January 02, 2018, 09:07:28 PM »
Hi all,

I'm 49, and a single mother to a 10 yr old.  I live on SSDI and so have a fairly fixed income.

I came here after deciding to get the remnants of my life together.  Since coming here I have paid off all but two recurring bills.  The one credit card will be paid off in two months, and the car loan should be gone in January 2019.

My situation us such that saving any meaningful amounts of money is utterly counter productive... but I can at least learn to live well within my means.

If you are paying off credit cards, you are getting rid of high interest debt, which is one of the best investments you can make.

CoconutAlligator

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Re: Say Hi and Introduce Yourself
« Reply #3549 on: January 02, 2018, 09:29:12 PM »
Hi Everyone,

I'm a 30 year old single male living in New York. I've always been interested in living more simply but finding this community has been reaffirming in my goals. I went to college, then to graduate school in math and taught throughout my 20's. Luckily I'm not in debt I was only able to save about 30k throughout this time which I regret now and moving to New York has burned through that. I now have a job I want to save as much as a I can to make up for lost time. I'm hoping to learn more from everyone.