Author Topic: Say Hi and Introduce Yourself  (Read 804096 times)

Germanicus

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Re: Say Hi and Introduce Yourself
« Reply #3550 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
https://www.iDollarize.com - smarter with money

dlcp

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Re: Say Hi and Introduce Yourself
« Reply #3551 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 #3552 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 #3553 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 #3554 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.

TikiTime

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Re: Say Hi and Introduce Yourself
« Reply #3555 on: January 02, 2018, 09:36:00 PM »
Hello y'all, having enjoyed reading the forum for years, decided it was way past time to join in.  Nothing like no more lurking to force yourself into walking the walk.  Cheers!

25andfree

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Re: Say Hi and Introduce Yourself
« Reply #3556 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?
Retired at the age of 24. I am 25. 2% SWR. Near 50x annual expenses. Married with 1 daughter.
Obsessed with personal finance. One of the youngest self-made early retirees in North America.

TribecksMustache

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Re: Say Hi and Introduce Yourself
« Reply #3557 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 #3558 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 #3559 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 #3560 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 #3561 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 #3562 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 Iím 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 ó and whether itís something we could realistically achieve ó 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 Iím a self-employed writer and photographer, and we live outside of Nashville. In addition to our ďday jobs,Ē we have plans to launch our first product business this spring ó and weíre really excited about it! Weíre both entrepreneurs at heart and hoping that business can help us reach our goal of buying a home with cash.

We arenít sure where exactly we stand as far as our financial independence goes, but weíre 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 #3563 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 #3564 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 #3565 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 #3566 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 #3567 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
hi friend! feel free to check out my journal ;D

Justo

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Re: Say Hi and Introduce Yourself
« Reply #3568 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 #3569 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 itís 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, Iím 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 #3570 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 itís 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, Iím 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 #3571 on: January 15, 2018, 03:47:53 AM »
hi everyone.I'm new to this forum.help me to stay here...thank you all.
roger

Sarganis

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Re: Say Hi and Introduce Yourself
« Reply #3572 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 #3573 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.
hi friend! feel free to check out my journal ;D

khuletzz

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Re: Say Hi and Introduce Yourself
« Reply #3574 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 #3575 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 #3576 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!  :)
My Journal

Countdown to Freedom:  91 days; 12 weeks of classes; 36 days of classes

SYDstache

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Re: Say Hi and Introduce Yourself
« Reply #3577 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 #3578 on: January 18, 2018, 06:58:03 AM »
Welcome!  There are lots of Aussies on the forum.  And some regular folks, too.  ;-)
My Journal

Countdown to Freedom:  91 days; 12 weeks of classes; 36 days of classes

letstalkaboutdune

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Re: Say Hi and Introduce Yourself
« Reply #3579 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!