Author Topic: Say Hi and Introduce Yourself  (Read 1169569 times)

25andfree

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Re: Say Hi and Introduce Yourself
« Reply #3550 on: January 03, 2018, 10:40:08 PM »
Who is the youngest self-made early retiree, through frugality?
Hey All, I am Michael. I am a 25 year old early retiree with an awesome wife and daughter. I want to find someone my age, maybe on MMM forums?, who has done what I've done at my age. I retired early, FI 2% SWR at the age of 24 with 1,200,000 in net worth. The majority of my net worth came from saving. We lived frugally (my wife, daugther & I) on less than $1500/month. We currently spend about $2500/month before considering things like our House Hack - duplex living and our tiny house we rent out on airbnb. We saved almost all of our salaries and invested that in real-estate, and I renovated the properties (buying them well below market value because they needed work). Anyway, majority of my wealth - say $1,000,000 of it was saved over the last 7 years of hard work. I graduated school debt free etc., and didn't really have a lot of help - I left home at 17. Am I the only one who found guys like early retirement extreme at age 17 and went dead set on retiring early?

I blogged about it on 25andfree.com/about.... where I was trying to find others like me (to create my own cult of sorts) and to help others...anyone know anyone? Am I the youngest? Maybe the youngest in Canada?

TribecksMustache

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Re: Say Hi and Introduce Yourself
« Reply #3551 on: January 04, 2018, 01:14:01 PM »
Hi! I'm TribecksMustache. I'm 24, single, and living the city life in the southeast US.

I'd always planned on retiring "early" (50ish). Imagine my joy at discovering MMM and realizing I could be FIRE much earlier! If I can find a job with a bike/walk commute, I hope to move that number up to 35, but for now my goal is 40.

gavint

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Re: Say Hi and Introduce Yourself
« Reply #3552 on: January 06, 2018, 08:44:45 AM »
Hi, Gavint here. 

I'm a Canadian living in Germany with my wife and four kids.  Life is good, debt free, steadily accumulating wealth on a moderate income, self-employed in a job I love: I play in the dirt and climb trees for a living - my 10 year old self would be proud!

Financial independence is on the (distant) horizon, but there is no hurry - as a self-employed person I already feel like I'm free.

Corone

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Re: Say Hi and Introduce Yourself
« Reply #3553 on: January 06, 2018, 12:23:10 PM »
Hi there!

I've been a hard core Dave Ramsey fan for several years, and following his plan got me from being in debt and being oblivious about my finances in 2014, to having a savings+ investment rate of 31,9% of my net income in 2017.

That savings rate needs to be cranked up a bit, so I came to the MMM blog, and now I'm on the forum too. My goal is to reach FIRE asap, but no later than 2030. I'm male, in my mid thirties, originally from Europe and currently living in the Caribbean. Investment opportunities like mutual funds are limited here, unfortunately.

I look forward to learning a lot on this forum!



arthanari

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Re: Say Hi and Introduce Yourself
« Reply #3554 on: January 08, 2018, 12:39:10 PM »
Hi,

I am Artha, I found you through some blog. Haven't explored much of this site yet. I read a couple useful articles. I am searching for tips and advice on how i can manage my financials better and learn how to negotiate on financial areas.

I am from Alpharetta, Georgia, so if any one around this area is there here and have any local tips and tricks n how to save and handle financials better please send me a note, i will be very excited to connect with you.

Looking forward to learn and share my experience with this community.

Have a wonderful 2018.

Thanks.

Arbitrage

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Re: Say Hi and Introduce Yourself
« Reply #3555 on: January 09, 2018, 12:59:09 PM »
Hello,

Longtime Boglehead, which has been instrumental in putting me into the position where considering early retirement actually is starting to seem real.  Current age is 39, with a 41-yo DW and two young children.  Even though I don't hate my job, every time I have some time off, it reminds me how much I prefer time off to time at work. 

We've always been frugal, and I don't know that DW would be willing to make too many (more) trims to the lifestyle.  Thankfully, our incomes have risen significantly over the past few years, without really increasing our lifestyle, so early retirement is hopefully still in the cards.  I'm going to shoot for age 45.  I think the biggest challenges will be funding college for kids (would like to fund at least 75% of it) and convincing family to move out of HCOLA.  Without that move, I don't think the goal is feasible. 

MrsW17

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Re: Say Hi and Introduce Yourself
« Reply #3556 on: January 09, 2018, 02:35:49 PM »
Hi there,

I heard about MMM for the first time through the Tim Ferris podcast a few months ago. It sounded like a nice idea, but not something my husband and I could realistically do.

But, and Im not sure how this came back up, I stumbled upon the podcast again and gave it another listen.

Now my husband and I have talked about financial independence and whether its something we could realistically achieve every day for a week.

I started perusing the forums a few days ago, and decided it would be way more fun to jump in and join the conversations!

My husband is a software developer and Im a self-employed writer and photographer, and we live outside of Nashville. In addition to our day jobs, we have plans to launch our first product business this spring and were really excited about it! Were both entrepreneurs at heart and hoping that business can help us reach our goal of buying a home with cash.

We arent sure where exactly we stand as far as our financial independence goes, but were 27 and 28 with no debt, a full emergency fund, retirement accounts, and additional savings that are currently earmarked to launch our business in a few months. Not too bad since we just got married last year and paid for all of that in cash!

SpareChangeYourLife

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Re: Say Hi and Introduce Yourself
« Reply #3557 on: January 09, 2018, 08:09:28 PM »
Hello Mustachians,

My wife and I are new here but have been lurking the MMM website for a little over a year now.  We are both teachers who are trying to make the most of our meager incomes and pensions.  While we will probably work until our kids are on their own, we are enjoying preparing for a possibility of FIRE on teacher's salaries.  I was a finance major in college and I also teach personal finance to other teachers, many times directly quoting MMM.  It has been a pleasure to help others along the way.

I am here to learn from and contribute to a community of like-minded people.  I look forward to the ride.

PVkcin

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Re: Say Hi and Introduce Yourself
« Reply #3558 on: January 10, 2018, 12:35:00 PM »
Hey, I'm PV Nick, 34, married with two kids, and planning to FIRE within about 5 years! I hope to join the conversations around here.

TheBeardedOfficial

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Re: Say Hi and Introduce Yourself
« Reply #3559 on: January 11, 2018, 03:23:44 PM »
Hey all,
Just found the FIRE community over the holidays and my wife and I are very excited.  Long time DR acolytes looking for next steps in our journey after popping out our 3rd kid in 3 years.  Case study to follow in the near-ish future. 

Looking forward to getting punched in the face and moving closer to FIRE together!

bowg

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Re: Say Hi and Introduce Yourself
« Reply #3560 on: January 11, 2018, 05:23:32 PM »
Hey all,

My parents were awesome and raised me Mustachianishly without ever hearing of it. I paid off college through summer jobs, biked to and from work and school in snowy 0 degree weather, hit up the library weekly, had lots of fun and free hobbies like board games and hiking, etc. I lived a while in Guatemala and effortlessly saved over half of my tiny part-time teaching salary. I have fond memories biking home from the market with eight bags of produce (about $15 worth, if even) balanced from my handlebars and spending twelve luxurious hours a day running, biking, cooking, reading, and socializing.

Fast forward four years to my first "real job" and somehow, gradually, I started falling victim to lifestyle creep. A Garmin running watch here, a Vitamix there, driving to work on rainy days, etc. The final wake-up call was spending $25 on a haircut. Eek!

Stumbled back across this awesome website and got inspired. I'm hoping to nip my spendy habits in the bud and rekindle my old Mustachian ways. Hopefully this forum helps and I can find some like-minded people in the Bay Area!!

Cheers,
Ellen
« Last Edit: January 11, 2018, 05:41:09 PM by bowg »

ulzxhi

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Re: Say Hi and Introduce Yourself
« Reply #3561 on: January 12, 2018, 09:45:49 AM »
Hello! I have been planning to FIRE since before I knew it was a thing, so a coworker introduced me to MMM to give me a leg up. I've been reading MMM's blog since last year but just created my journal today. Glad to meet you all! I'd love to make some friends. Please link to your journal here, drop me a line, leave a comment etc :D

please clickity for my journal here

Justo

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Re: Say Hi and Introduce Yourself
« Reply #3562 on: January 12, 2018, 02:02:02 PM »
Hello!

My name is Justo, I'm pretty basic, I live in Atlanta, I'm engaged, I love Basketball, I have "side hustles", I work in Corporate America, I am planning for Financial Freedom one day at a time!

Spoon

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Re: Say Hi and Introduce Yourself
« Reply #3563 on: January 12, 2018, 04:59:53 PM »
Hi

I'm Spoon, a 35 year old bloke living Downunder. I'm married with 2 daughters aged 5 and 2. I been lurking on the forum for just over a year and decided that its time to get involved.

I'm naturally frugal but had believed the world when they told me I was wrong, and am glad to have found a tribe that challenges conventional wisdom. To anyone reading MMM before starting work, Im bloody envious.
   
I currently plan to retire when I am 40 but running my own company makes my wage more variable than most. I will probably blow the plan up by building my own house in the next few years and believe this will increase my happiness and quality of life.
     
I enjoy writing (I managed to get some articles published before the birth of my youngest) but find it takes a decent amount of time to craft something that you are prepared to send out into the world. I find it difficult to break from the formal writing rules I learnt and look forward to jamming some swearing into my posts. Fuck. Hopefully in time it will come more naturally! 

Spoon   

simonkkkkk

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Re: Say Hi and Introduce Yourself
« Reply #3564 on: January 14, 2018, 11:56:37 AM »
Hi

I'm Spoon, a 35 year old bloke living Downunder. I'm married with 2 daughters aged 5 and 2. I been lurking on the forum for just over a year and decided that its time to get involved.

I'm naturally frugal but had believed the world when they told me I was wrong, and am glad to have found a tribe that challenges conventional wisdom. To anyone reading MMM before starting work, Im bloody envious.
   
I currently plan to retire when I am 40 but running my own company makes my wage more variable than most. I will probably blow the plan up by building my own house in the next few years and believe this will increase my happiness and quality of life.
     
I enjoy writing (I managed to get some articles published before the birth of my youngest) but find it takes a decent amount of time to craft something that you are prepared to send out into the world. I find it difficult to break from the formal writing rules I learnt and look forward to jamming some swearing into my posts. Fuck. Hopefully in time it will come more naturally! 

Spoon




Nice to meet u!

Rogernelson

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Re: Say Hi and Introduce Yourself
« Reply #3565 on: January 15, 2018, 03:47:53 AM »
hi everyone.I'm new to this forum.help me to stay here...thank you all.

Sarganis

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Re: Say Hi and Introduce Yourself
« Reply #3566 on: January 15, 2018, 11:00:28 AM »
Hi there!

I am Yury, 30 years old, living in this big wierd Russia country and drinking no alchohol.

The idea of MMM that ticked with me is that financial freedom through frugality actually makes the world a better place and makes you a better guest on our host planet.

So, I am excited to figure out what of those high-income badass ninja tricks would work for the largest third-world country.

Cheers, comrads!

p.s. sorry in advance for odd English.

ulzxhi

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Re: Say Hi and Introduce Yourself
« Reply #3567 on: January 17, 2018, 02:12:18 AM »
@Sarganis Hi Yury! My elderly Russian teacher has never had a sip of alcohol in her life, so no worries ;D

PS your country has the most beautiful language I've ever studied (and I've studied plenty). It's not my favorite to listen to, but man the semantics is absolutely GORGEOUS. I love how expressive, playful and free your language is. English is so BORING (yet practical), and I often find myself lusting after other languages. Yours has a special place in my dreamy heart.

khuletzz

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Re: Say Hi and Introduce Yourself
« Reply #3568 on: January 17, 2018, 02:30:06 AM »
Hello everyone

I'm Marion, looking forward for this site and I love to give some basic ideas financially and morally to have a peaceful life.

Have a great day

God Bless :-)

letstalkaboutdune

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Re: Say Hi and Introduce Yourself
« Reply #3569 on: January 17, 2018, 12:16:24 PM »
Hi everyone! 31 y/o, married with no kids, just joined the forum after finishing all the MMM posts.

My friend and co-worker turned me on to MMM this past November, which was very timely because at the time I was shopping for my first house. After absorbing the MMM wisdom, I now live within ~3 mi of work (and right next to two nice grocery stores), commute via bike, have majorly cut down on my expenses and increased savings, and am working on retiring in the next 9 years!

Looking forward to interacting with all the lovely Mustachians here.
« Last Edit: January 17, 2018, 12:18:20 PM by letstalkaboutdune »

NinetyFour

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Re: Say Hi and Introduce Yourself
« Reply #3570 on: January 17, 2018, 06:48:02 PM »
Hi everyone! 31 y/o, married with no kids, just joined the forum after finishing all the MMM posts.

My friend and co-worker turned me on to MMM this past November, which was very timely because at the time I was shopping for my first house. After absorbing the MMM wisdom, I now live within ~3 mi of work (and right next to two nice grocery stores), commute via bike, have majorly cut down on my expenses and increased savings, and am working on retiring in the next 9 years!

Looking forward to interacting with all the lovely Mustachians here.

Welcome!  That is a very cool story.  Good for your friend for recommending MMM, and good for you for having an open mind and making some big adjustments!  :)

pab88

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Re: Say Hi and Introduce Yourself
« Reply #3571 on: January 17, 2018, 11:02:50 PM »
Hi all,

I thought its about time I joined after reading nearly all the blog posts over the summer break.

Long story short I'm a single teacher from Sydney, Australia and have been working since I was 24 (I just turned 29). I relate to MMM's background because it sounds like we had similar vices in our younger days (i.e., cars, namely older, sportier Japanese ones). I also like o/seas travel and have done a number of cycling expeditions overseas, from 1 month to 3-months.

This past year I finally took the plunge and moved out from my parent's place and bought a modest, though pleasant and liveable apartment in an older block. It's within cycling range (10mi/16km each way) from my work. I know I've probably bought at the top of the property cycle and would not be surprised if its price stays the same for many years to come (or even slightly declines in real terms in the immediate future).

I'm not too worried as it is a buy and hold scenario for me to live in and is all I need (unless family happens, then it might not work). I managed to put up 190K in savings as a deposit as I saved a lot while living at home + made a mid-six figure windfall from a bet that came good in 2016. I even sold the supercharged sports car last year and am car-free for the first time since I was 16 (would be much stronger now if I dropped the car habit a bit earlier, oh well).

My expenses (in AUD - multiply by 0.8 for USD) are about 3000/month including 2000 in mortgage payment. My after-tax income is about 5750/month including a 4500 salary, 860 in flatmate rent and averaging 400 in side jobs. Hoping to pay the place off in 9 years and begin saving a 'stache for FIRE some time in my early-mid 40s.

Probably too much detail here for an intro but its not worth a case study.

NinetyFour

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Re: Say Hi and Introduce Yourself
« Reply #3572 on: January 18, 2018, 06:58:03 AM »
Welcome!  There are lots of Aussies on the forum.  And some regular folks, too.  ;-)

letstalkaboutdune

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Re: Say Hi and Introduce Yourself
« Reply #3573 on: January 18, 2018, 09:13:09 AM »
Hi everyone! 31 y/o, married with no kids, just joined the forum after finishing all the MMM posts.

My friend and co-worker turned me on to MMM this past November, which was very timely because at the time I was shopping for my first house. After absorbing the MMM wisdom, I now live within ~3 mi of work (and right next to two nice grocery stores), commute via bike, have majorly cut down on my expenses and increased savings, and am working on retiring in the next 9 years!

Looking forward to interacting with all the lovely Mustachians here.

Welcome!  That is a very cool story.  Good for your friend for recommending MMM, and good for you for having an open mind and making some big adjustments!  :)

Thank you very much! It's amazing the big effect just a few adjustments can have. Some of my coworkers have noticed my bike commute and are now considering it themselves - hopefully they follow through and start a trend!

NinetyFour

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Re: Say Hi and Introduce Yourself
« Reply #3574 on: January 20, 2018, 09:59:48 AM »
Hi everyone! 31 y/o, married with no kids, just joined the forum after finishing all the MMM posts.

My friend and co-worker turned me on to MMM this past November, which was very timely because at the time I was shopping for my first house. After absorbing the MMM wisdom, I now live within ~3 mi of work (and right next to two nice grocery stores), commute via bike, have majorly cut down on my expenses and increased savings, and am working on retiring in the next 9 years!

Looking forward to interacting with all the lovely Mustachians here.

Welcome!  That is a very cool story.  Good for your friend for recommending MMM, and good for you for having an open mind and making some big adjustments!  :)

Thank you very much! It's amazing the big effect just a few adjustments can have. Some of my coworkers have noticed my bike commute and are now considering it themselves - hopefully they follow through and start a trend!

Even better!  That would be an awesome trend!

MyHilariousUserName

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Re: Say Hi and Introduce Yourself
« Reply #3575 on: January 21, 2018, 01:00:45 PM »
Hi, I've found this site after going on google searches about issues with my financial aid office. I remember reading some of Mr Money Moustache blog some time back and sounded reasonable. I don't think I'm going to give my life story here because if the whole story isn't given, my experience has been that online people bite your head off. But yeah, hi!

JohnGalt615

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Re: Say Hi and Introduce Yourself
« Reply #3576 on: January 21, 2018, 09:21:05 PM »
Hello, new user checking in.

Found the blog through reddit a year or so ago. This seems to be an amazing community of people looking to optimize saving for the long term, and I'm joining to learn and discuss.

John

lemanfan

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Re: Say Hi and Introduce Yourself
« Reply #3577 on: January 22, 2018, 11:24:18 AM »
Hello, new user checking in.

Found the blog through reddit a year or so ago. This seems to be an amazing community of people looking to optimize saving for the long term, and I'm joining to learn and discuss.

John

With that nickname, you'd assume some political opinions as well. :)

Bemly

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Re: Say Hi and Introduce Yourself
« Reply #3578 on: January 23, 2018, 07:51:33 AM »
Hi all, recently found MMM through Tim Ferriss.

25, single in Orlando.

Have made some very serious mistakes that are proving painful.

BA in communication - mistake #1

Income (post-tax): $25,500/yr

Rent: $350ish with utilities (6 roommates)
Food: $80ish
Gas: $120 (truck and 19 mi one way)
Tolls: $100
Car insurance: $80
Phone: $60
Debt: 0
Eating out/misc: $20-40

Working on finding a remote job and trading in the truck. Even after that I'll still struggle to retire until I can up my income substantially.

Looking forward to discussions here!
« Last Edit: January 23, 2018, 03:37:06 PM by Bemly »

Major Tom

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Re: Say Hi and Introduce Yourself
« Reply #3579 on: January 23, 2018, 02:29:45 PM »
Hi everyone,

I have been lurking for a while, whilst thoroughly enjoying the content and the community.

I am 47 male from Down Under!

Will be sharing my thoughts and FIRE goals in good time.

Cheers

CowboyAndIndian

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Re: Say Hi and Introduce Yourself
« Reply #3580 on: January 23, 2018, 03:36:22 PM »
Hi everyone,

I have been lurking for a while, whilst thoroughly enjoying the content and the community.

I am 47 male from Down Under!

Will be sharing my thoughts and FIRE goals in good time.

Cheers

And all this while, we thought you were lost in space.

Sorry, could not resist;-)

(Space oddity by David Bowie)

MarkSmith09

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Re: Say Hi and Introduce Yourself
« Reply #3581 on: January 24, 2018, 04:42:04 AM »
Hi!
I'm Mark from Cranbury, NJ.

somers515

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Re: Say Hi and Introduce Yourself
« Reply #3582 on: January 24, 2018, 04:50:12 AM »
Hi!
I'm Mark from Cranbury, NJ.

Nice to see another central NJ mustachian - welcome!

ScreamingHeadGuy

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Re: Say Hi and Introduce Yourself
« Reply #3583 on: January 25, 2018, 09:38:59 AM »
Hi. 

I am a married 38-year-old man from Wisconsin with a 4-year-old daughter.  I've been reading MMM's posts and lurking for half a year (or so) and decided to finally register to post on the forum.  (So I feel like I know many of the posters already, even though nobody has seen me yet.)  I am currently a civil engineer working in private development; I find the job fun (three-dimensional puzzles!) and yet frustrating (permitting, stick-in-the-mud bureaucrats, paperwork, documentation).   For fun I read, join friends for D&D, exercise, play games on my computer, am involved in church and local government, and am "daddy". 

I had always been interested in retiring earlier than my parents did (my father "retired" at 55 when I was still in college and my mother at 55 also a few years later) - I thought 50 would be exceptionally early.  Well, little did I know back then (or even a year ago) there was this whole FIRE community that put my retire-at-50 dream to shame.  Since I started reading and learning more I've discovered could top that goal, based on our saving rate and low spending rate (based on life events when my wife and I married in 2010).  Now I'm looking at hitting my mark around age 42, depending on near-term market performance.  Hooray for those extra eight years of life!

Based on what I've learned and shared with her my wife (and I) became comfortable enough for her to recently quit her (torturous due to a change in boss a year ago) full-time job and is transitioning to part-time work for her employer for two more months before cutting the cord and becoming fully self-employed teaching online and tutoring world languages (along with personal fulfillment, reorganizing our house, and being "mama").

Virtus3

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Re: Say Hi and Introduce Yourself
« Reply #3584 on: January 26, 2018, 08:27:55 AM »
Hi all. I am a 29 y/o soon to be dad! I'm a long time Boglehead and lurker of MMM and many other personal finance and investing blogs. Finally decided to join and hope you guys can't help my wife and I improve our financial security. Glad to be here!

LIGRECLM

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Re: Say Hi and Introduce Yourself
« Reply #3585 on: January 26, 2018, 05:44:57 PM »
Hi There - Lauren aka "Ligreclm" here. I am a CPA (audit, not tax unfortunately), mama of a 3 y/o, wife to an electrical engineer. I just left the rigors of public accounting life and took a part time job with a nonprofit client for WAY less money (and less stress and less hours) so I can spend more time with my little lady and more time working out because I am very overweight (getting healthy is a priority). I am FREAKING OUT because I make about 30-35k less a year, which I am learning is actually a lot of money and was much of our disposable income and savings.

I am trying to take control of the situation and am looking closely at our finances, retirement, spending, and overall lifestyle so that we don't fall anymore behind than we are and maybe even get ahead.

My husband and I have always put about 5% into our 401k so we have about 200k in retirement, amassed a decent savings account (or what we thought was one) of about 40k. We have a mortgage on our house of about 175k, we have used cars, no student loans left and no credit card debt.

Our goals are as follows:
1) Learn how to spend LESS and where we can cut current expenses
2) Get money out of savings and put into income earning accounts
3) Figure out how to get house projects done without spending an absolute shitload of money. We have a house from the 1940's that needs new windows, insulation, kitchen relocation, shed, patio and landscaping, etc.
4) Increase annual retirement contributions
5) We REALLY want to have another child and will likely have to spend 20k on IVF or other treatments to have this child. We need to save for that.
6) Once we are in better shape financially, I would like to possibly invest in real estate or something similar. I love the idea of owning a few rental properties near me and Airbnb-ing them or having long term rentals. There are only 2 Airbnb's in my town and they are 75% booked for the YEAR so I am waiting for a relative to die and leave us some money or something to buy a little rental. Ha. I'm awful. Oh well.
7) Getting our family healthier by less technology, more exercise, more biking (hoping to commute to work in the spring!), and more TVless quality time.
8) I would like to learn how to earn money on the side. I am a quickbooks pro advisor so I thought about helping people that way, but I do accounting all day so I can't imagine doing it at night or on weekends too, its so boring. I am also an avid quilter, knitter, crocheter and am considering opening an etsy shop for my goods. In my next life, I would like to arrange national and international artisan tours of handcrafted studios and arrange classes. Wouldn't that be a dream.

I have been analyzing income and expenses and will probably be posting into Ask a Mustachian. I opened up a vanguard account and transferred some savings into there but can't seem to even pick an index fund to buy and am questioning whether now is a good time to buy, because isn't the market high? Bah I don't get investing. I am overwhelmed a bit and may need hand holding. It's pathetic but its true.

Thanks Everyone and I hope to get to know you!
« Last Edit: January 26, 2018, 06:34:52 PM by LIGRECLM »

vikingtantan

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Re: Say Hi and Introduce Yourself
« Reply #3586 on: January 27, 2018, 08:25:39 AM »
Hi everyone! I'm new to the forum, but not to the MMM blog. I recently escaped student loan slavery in August 2017. Since I was a lone adventurer in my quest for freedom from debt, I turned to Youtube and the mighty internet to learn from others escaping debt to help keep myself motivated. Now that I've accomplished that goal, I'd like to work on true financial independence. I've been feeling a bit lonely because I'm the only person out of my family or friends that has 1. Escaped debt 2. Trying to build an empire so I never have to work again. I'm excited to interact and learn from all the badass MMMs.

Current status: 35; No debt; a little over 5k in an emergency fund; currently living in South Korea;

1. Trying to figure out which company allows expats to open investment accounts while they live abroad cause from what I gathered Vanguard isn't cool with that.

2. I'll be in Korea for 1 more year and then probably moving back to the States. Current plan is to save $10K to transition back (more of an emergency fund in case I can't land a job right away) and open a Vanguard account as soon as I move back.

lex_luthor

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  • Location: Thornton, CO
Re: Say Hi and Introduce Yourself
« Reply #3587 on: January 27, 2018, 01:25:54 PM »
Wanted to drop a line & say hi. I've been a reader of MMM for a few years now, I think I've read almost all the posts, some more than once. I'm excited to be a new homeowner, got a fixer upper within biking distance to work (although in my line of work, it isn't very safe/smart to do so), but transportation costs have dropped tremendously. I'm 31, married, with a 4 year old and another one on the way (surprise!).

I'm interested in home projects (always busy), efficiency and organization / streamlining habits. I'm looking forward to meeting other local Mustachians and learning new skills / trades.

I was able to consolidate my student loans with SOFI based on MMM's article. It's been a huge catalyst for me. Now I'm looking for ways to continue to streamline and simplify so I can maximize what I currently make in order to set up a better future!

sterlingmossy

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  • Age: 53
  • Location: Midwest USA
Re: Say Hi and Introduce Yourself
« Reply #3588 on: January 27, 2018, 01:29:55 PM »
Hi,  I am 52, married, with two boys (24 & 21).  I am a Brit living in the midwest,  I have been in the USA since 1991.  I sold my company in 2016 and gained FI although I agreed to stay on consulting until the end of 2019.  I am looking for help and inspiration planning the next chapter.

dollarchaser

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  • Posts: 28
  • Location: St Louis Area
Re: Say Hi and Introduce Yourself
« Reply #3589 on: January 28, 2018, 06:53:20 PM »
Hi to all you bad asses.

Your community has been great to give hope of breaking away from "the man". I have been a factory slave for almost 20 years. Lots of perfectly good green soldiers have been sacrificed to consumerism. But I have been frugal and fortunate with some home purchases so Pete's messages are finding fertile soil. I even recall reading The Millionaire next door years back.

My DW is frugal and we are DINK's so I am putting a plan in place to push toward FI and some bad assity.

BamBam20

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Re: Say Hi and Introduce Yourself
« Reply #3590 on: February 01, 2018, 04:46:52 PM »
Hello World!
My name is Dom and I have been an MMM reader since October of 2012! The reason I know the exact month/year is because the first MMM post I ever read was the most recent at the time: "How to go from middle-class to kickass".
That post alone changed everything I believed about spending. Can't thank MMM enough for introducing me to the FI path!
I have been an observer of the forum for a few years and now that I recently discovered tapatalk, it will make it a lot easier for me to check the forum and interact.

Sent from my 831C using Tapatalk


MLR

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Re: Say Hi and Introduce Yourself
« Reply #3591 on: February 02, 2018, 10:15:40 PM »
Dear MMM readers,

After being inspired by MMM and then by a couple of other financial bloggers, I have decided to start my own blog to keep a track of my journey to financial independence. I would really appreciate if you can visit my blog and provide me feedback on my progress. I need your encouragement during this tough phase of my FI journey. My blog might not be perfect, you might not like my style but I ensure you that I will put in all of my effort to provide as much details on my journey and use your feedback.

You can visit my blog at midliferecovery.com. I will look forward to your comments and feedback there.


« Last Edit: February 02, 2018, 10:17:18 PM by MLR »

Clara Smith

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Re: Say Hi and Introduce Yourself
« Reply #3592 on: February 02, 2018, 11:47:36 PM »
Hello, I'm Clara Smith:
I'm a foodie and love to travel but due to some personal issues I can't really travel and do adventures.

FearlessTSmith

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  • Posts: 6
  • Location: USA...in a large hot city
  • More Badass Bit by Bit
Re: Say Hi and Introduce Yourself
« Reply #3593 on: February 04, 2018, 12:51:58 PM »
Hi, everyone.  Have been lurking enough on the forum to feel like I have friends even if they haven't heard of me before.  Hi snacky, SailorSam, frugalparagon, lhamo, ellefiji, monstermonster, etc. 

White cisgender male living in USA, FIREd more or less recently...just long enough to find out my too-frequent habit of "I'll procrastinate until I have to go work" has become "I'll procrastinate."  Started journal to chronicle my upcoming journey from having freedom to actually living it.

https://forum.mrmoneymustache.com/journals/from-fearful-to-fearless/

Evildunk99

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  • Posts: 11
Re: Say Hi and Introduce Yourself
« Reply #3594 on: February 07, 2018, 10:55:22 AM »
Hello Mustachians!  Ryan from Conshohocken, PA here (just outside of Philly).  I've perused the blog like many of you and wanted to make an introduction.

Current situation:

- 31 y/o, recently married
- Dual incomes ($130k combined), no kids
- Assets:  $60k in home equity, 2 401k's totaling $40k, 1 Roth IRA totaling $30k, cash & brokerage totaling $40k, 2 used cars totaling $15k
- Liabilities:  $75k in student loans ($800 / mo), $140k mortgage ($890 PITI)

Short term goal:  Use cash + roth IRA to purchase 2nd home, and rent out the existing one.  Ideally before we have kids ~2020

Long term goals:  1) pay off student loans ASAP, 2) use 401k's to pay for children's future college expenses, 3) compound rental property expansion to retire within 15 years, 4) use excess cash to fund a fun small business during retirement.


salmo trutta

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Re: Say Hi and Introduce Yourself
« Reply #3595 on: February 09, 2018, 02:36:27 PM »
Long time lurker / first time poster. Really enjoy the blog and the ideas it generates.

I recently achieved my goal of being a millionaire by the age of 50 and embrace the FIRE concept, but more the FI for now and not the RE just yet... I am 100% debt free, saving several thousand dollars per month, and generally just enjoying life.

FI for me is simply living a stress-free and simple lifestyle without the tedious task of trying to rub a few nickels together to make something happen. I love my job and enjoy my clients and the relationships I have there, so getting up everyday and going to work is still something I get excited about. No "Monday Morning Blues"... I do plan to retire soon and have a good plan in place. More to come...

I am into life-hacks (counter culture, new ways of doing things, shooting sacred cows), cool tools, DIY everything, technology (I work in the industry), voracious reading, fly-fishing on a daily basis, and Jeeping. In between I enjoy a good IPA (or many good IPAs) and clean simple local foods. Oh, and don't fret my daily driver is mod'd Corolla @ 30+ mpg and a solid messenger bike!

Cheers all, here's to a great 2018!
« Last Edit: February 09, 2018, 03:49:25 PM by salmo trutta »

SimplySueLoo

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  • Location: Wisconsin
Re: Say Hi and Introduce Yourself
« Reply #3596 on: February 10, 2018, 07:44:27 AM »
Hi, I'm Sue. Back living near Milwaukee in my home state of Wisconsin after many years living in and traveling to places with more exciting geography.  It's super flat here.  I have 1 nice husband, 1 nice dog.

People have always called me cheap.  But for many years I've worked on ways to exchange expense for freedom. LOVE this forum!

I'm in my early 50s, and furtively trying to convince my early 60s hubby that YES, WE CAN RETIRE!  I routinely pull out excel spreadsheets for my "state of our union" pro-FIRE presentation.

Ideal retirement for us has:  much hiking, much travel, much time to tinker with fun and flexible extra income (or savings) ideas

Nice to meet you :)

PKate

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  • Location: Northern New England
Re: Say Hi and Introduce Yourself
« Reply #3597 on: February 11, 2018, 09:43:04 AM »
Hi,  I am happy to find this place.  My DH and I are looking to get organized and be able to FIRE soon. While we are savers we are not organized and I am looking on how to make retiring early happen. 

 We are on either side of 40 and while we don't have kids I have medical issues that make things more expensive but still doable for FIRE.  DH's current work contract is ending in a few weeks and we will be shifting to working part time so we can get organized, work on developing our tiny farm, and time for our hobbies. 

Jeff K

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  • Location: Vermont, USA
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Re: Say Hi and Introduce Yourself
« Reply #3598 on: February 11, 2018, 03:21:49 PM »
Hi, I'm Jeff and I'm pursuing FI in Vermont with my wife.  I've been reading the MMM blog for over a year now and looking to connect with others in the FI community!

StealthFundip

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  • Posts: 15
  • Age: 21
  • Location: Wisconsin
Re: Say Hi and Introduce Yourself
« Reply #3599 on: February 11, 2018, 03:53:08 PM »
Hey everyone, I'm StealthFundip!  I'm a 21 year old from Wisconsin with a 2 year degree in Software Development, currently looking for a full-time position to truly get started on my path to FI.

Since first learning about MMM and early retirement, I've paid off both of my maxed out credit cards ($2700 combined) and finally have more than $50 in my savings account!

I read just about every post from MMM over the course of a month, and a few lurking suspicions I've had about money have been reinforced completely (For example, my 200 mile round trip commute is probably going to give most of you instant heart attacks!) 
One day I hope to have a cushy software development job within biking distance, and a garage full of all sorts of woodworking/welding tools so I can work on all sorts of projects in my free time. 

After I get enough to retire... I'm not sure yet.  Doing something to help with the exploration of space sounds pretty neat, but we'll see what happens along the way :)