Author Topic: Advice please: How did you commit to the life path you are on?  (Read 8016 times)

FinallyAwake

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Just wondering if there’s anyone else out there who has been (or is) where I am, and can give me advice.

I am a dreamer and a planner.  My excitement comes from dreaming about (and planning for) what is around the corner.  As such, I have several different life paths that I live in my head, but I obviously can’t live them all;  I know sooner or later I’m going to have to pick one and live with it the rest of my life.  Hubby shares many of the same thoughts/dreams as me, so he’s no help when it comes to narrowing down our options.

For example:

Life #1- live in an RV and travel slowly around the USA, road-schooling  and living the slow life while kids grow up.  Oldest is 13, so this would need to happen ASAP.  After that, then what?  This would seriously derail the RE plan, but is that a cost that would return multiple other dividends?

***Variant of this one is to slow travel the world…. Or live in Costa Rica or something similar.

Life #2-  Go back “home” to the Midwest and build a big house that can host frequent large family gatherings, and have enough space that I can move in the parents when they need help.  Problem is, I hate cold, gray winters.  My family would love us being back.  And we are the only ones “rich” enough to provide the gathering and aging parents house.  This one feels like a lifelong “this is it” commitment, which scares the beans out of me…..while also giving me warm, fuzzy, future family memories vibes.

Life #3- Stay where we are…..1k miles from family, in the sunny south.  We have friends, and a great low cost of living.  Financials are coming together very well here.  DH’s job is okay and pays well, but not his dream.  (He tells me to look at job boards while he’s at work, because he’s willing to leave for the next big thing.)  We will be out of debt within 9 months, and plan to stock pile money for FI/RE after that and take lots of vacations.

There are other micro-lives that I’m dreaming up, but these are the major ones.

I know that Life #3 is the most practical, financially & psychologically (minus the continually looking for another job).  So why am I constantly researching RV life on the road?  Or looking for house plans with an in-law apartment and ground to build on?  I was just on our local college website looking at conversational Spanish classes in case we decide to live in Costa Rica someday!

What is wrong with us???   

Does anyone else fight this, like hubby & I do?

How do we pick a life and live it, without regrets?   Our kids are growing up fast (oldest is 13); if we’re going to take a huge U-turn, we need to do it soon…….

Mr. Green

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Re: Advice please: How did you commit to the life path you are on?
« Reply #1 on: May 23, 2017, 01:49:13 PM »
Life changes every single day. Some of us are natural planners and like to know that our futures have been thought of. Just don't forget to live in the present. Here's an example from my personal experience.

For almost 5 years my wife and I have intended to relocate when we FIRE'd. We planned to move near some very dear friends of ours, a couple states away from family but still close enough to drive back in 7 hours. We bought undeveloped land, invested a ton of emotional energy clearing it and designing our ideal property in our minds. The dream of living 200 feet from your best friends was a very strong pull. However, after I quit last summer and started the serious planning of building a house, the second thoughts really started hitting hard. I shrugged them off as fear of the unknown, moving to a new area, etc. We ended up putting the house on hold and maybe the move won't end up happening at all. We're just taking it one day at a time right now, living this awesome life that's in front of us.

I think that deep down, in your heart of hearts, you know which of the three you (you personally, not your wife, not your family) truly want. I think we all do. I did. But we frequently allow external sources to influence what we want by allowing that external voice to be louder than our own. Sometimes it's okay to compromise and pick the choice that is not your personal preference, but for the really big things I've found that not being true to myself leads to unhappy places. No matter which choice I make, there will always be a little piece of me that wonders what my life would be like the other way around, but you can't put a price on truly being at peace with where you are in your life.

You can still have your "default" life be a certain number (say, #3) and sprinkle elements of the other two in via trips, extended stays, etc.

Just don't miss the present. It's not worth it.

nawhite

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Re: Advice please: How did you commit to the life path you are on?
« Reply #2 on: May 23, 2017, 01:55:15 PM »
I live the RV life now without kids (see signature) and I think you're seeing it as much more of a "we will need to do this forever" thing than it really is. There is nothing wrong with doing the RV plan for a couple months or years to see how it works for you.

You'll want to do it the mustacian way and buy a cheap used RV that won't depreciate $3000/month for the first year like many people do. Our total costs all in for a 26' Class C RV, all the repairs, a complete gut and rebuild, a solar panel system and all the towing equipment were about $15k. Selling all of our stuff brought in about $4k. This isn't a big commitment compared to buying a house.

We'll probably move back into a sticks and bricks house in the next year or two as we miss the sense of community we get living in one place for a while. And that's ok. If we had a $80k-200k RV, it would be a much bigger deal to back out of the RV plan but as it is, we might not even sell the RV when we settle down again.


FinallyAwake

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Re: Advice please: How did you commit to the life path you are on?
« Reply #3 on: May 23, 2017, 06:43:55 PM »
I live the RV life now without kids (see signature) and I think you're seeing it as much more of a "we will need to do this forever" thing than it really is. There is nothing wrong with doing the RV plan for a couple months or years to see how it works for you.

You'll want to do it the mustacian way and buy a cheap used RV that won't depreciate $3000/month for the first year like many people do. Our total costs all in for a 26' Class C RV, all the repairs, a complete gut and rebuild, a solar panel system and all the towing equipment were about $15k. Selling all of our stuff brought in about $4k. This isn't a big commitment compared to buying a house.

We'll probably move back into a sticks and bricks house in the next year or two as we miss the sense of community we get living in one place for a while. And that's ok. If we had a $80k-200k RV, it would be a much bigger deal to back out of the RV plan but as it is, we might not even sell the RV when we settle down again.

Thanks for your perspective!  One of the things that has worried me about the full time life on the road is the "re-integration" aspect that comes at the end of the road.  But I do like your thoughts about narrowing it down to a few months or years.  Setting a time limit seems to help soothe the psychological aspect of hitting the road, and actually coming back....maybe to start working on the next dream!  :) 

FinallyAwake

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Re: Advice please: How did you commit to the life path you are on?
« Reply #4 on: May 23, 2017, 06:54:29 PM »
Life changes every single day. Some of us are natural planners and like to know that our futures have been thought of. Just don't forget to live in the present. Here's an example from my personal experience.

For almost 5 years my wife and I have intended to relocate when we FIRE'd. We planned to move near some very dear friends of ours, a couple states away from family but still close enough to drive back in 7 hours. We bought undeveloped land, invested a ton of emotional energy clearing it and designing our ideal property in our minds. The dream of living 200 feet from your best friends was a very strong pull. However, after I quit last summer and started the serious planning of building a house, the second thoughts really started hitting hard. I shrugged them off as fear of the unknown, moving to a new area, etc. We ended up putting the house on hold and maybe the move won't end up happening at all. We're just taking it one day at a time right now, living this awesome life that's in front of us.

I think that deep down, in your heart of hearts, you know which of the three you (you personally, not your wife, not your family) truly want. I think we all do. I did. But we frequently allow external sources to influence what we want by allowing that external voice to be louder than our own. Sometimes it's okay to compromise and pick the choice that is not your personal preference, but for the really big things I've found that not being true to myself leads to unhappy places. No matter which choice I make, there will always be a little piece of me that wonders what my life would be like the other way around, but you can't put a price on truly being at peace with where you are in your life.

You can still have your "default" life be a certain number (say, #3) and sprinkle elements of the other two in via trips, extended stays, etc.

Just don't miss the present. It's not worth it.

Jeez...you're only 33??  Such wisdom already!  :) 

Thanks for the reminder to live in the present.  I do try that, but need the reminder every day.

No matter which choice I make, there will always be a little piece of me that wonders what my life would be like the other way around, but you can't put a price on truly being at peace with where you are in your life.


Glad to know I'm not the only one wondering what my alter ego would be doing!  :)  This is the big trouble for me.  When I'm 80, will I look back and be happy with the choices we've made?  So far, so good.  But I feel like we're at a big crossroads in our lives, with our oldest being 13.  I just don't want to screw it all up.  :(  I think have analysis paralysis.

Thanks for helping me think this thru.  Just typing it all out, and then seeing your perspectives has been helpful already.

CanuckExpat

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Re: Advice please: How did you commit to the life path you are on?
« Reply #5 on: May 23, 2017, 09:53:48 PM »
I like what you wrote originally, and I can sympathize. Life is all about choices, and as we make some choices, we "destroy" others (in one sense), it's essentially the definition of opportunity cost, but applied to time.

I don't have an answer for you, and if you are like me, you will continue to wonder!

I will echo what other people have said: if you make wise decisions, most things are reversible, and you can combine many things. The RV existence for example, can be combined with short to medium term stays in areas where you would like to "settle". Just to pick one example.

pbkmaine

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Re: Advice please: How did you commit to the life path you are on?
« Reply #6 on: May 23, 2017, 10:10:36 PM »
Have you ever worked through George Kinder's Three Questions? When I was a financial planner, I used them with my clients to think about goals. They helped me with some key decisions n my own life as well:

http://www.getrichslowly.org/blog/2009/02/15/george-kinder-three-questions-about-life-planning/

EscapeVelocity2020

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Re: Advice please: How did you commit to the life path you are on?
« Reply #7 on: May 23, 2017, 10:12:50 PM »
Interesting dilemma, sounds a lot like a midlife crisis :)  Most of my life path has happened to me as opposed to necessarily going out and directing it.  Sure, I influenced a few big decisions along the way, especially in hindsight - that first date with my now-wife, taking a job outside my hometown, saying yes to a stint in the Philippines away from family, selling our home and moving the family to Norway ... I could go on and on. 

I guess the advice is to have a life that remains open for choices while also making some strides in a direction.  You never know what you will want to keep and what is best left behind until you try the lifestyle.  Thinking about it is only good for so long, eventually you have to stop looking and just leap. 

We are really happy to be back in the US after living abroad a few places, but we still travel because the world is awesome!  Eventually you'll craft a life or direction that feels 'right', or you'll just get old enough with enough experience that you'll calm down and feel good about having tried other things that didn't work out.  But by all means, get outside your comfort zone while you can - wait too long and the wanderlust might begin to fade. 

letired

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Re: Advice please: How did you commit to the life path you are on?
« Reply #8 on: May 23, 2017, 11:11:05 PM »
This is might be entirely tangential, so feel free to disregard.

I think you are doing the same thing I (and many people) try/tried to do with career planning. What do you want to be when you grow up? For me, I've never found a single answer. I tried to pursue The One Thing for a while, and it left me miserable (and made moving away from That One Thing very scary). So now, I try things. I'm on year 2 of experimenting with owning a house, year 10 of trying living in Texas, and year 4 of trying this career. So far so good! But none of these things are permanent. I'll probably live at least part time in the midwest closer to my parents in another 10 years to aid them in their declining years because that's important to me, and that won't be permanent either. I'm assuming I'm in this career for another 8 years or so, but I might develop a side gig that takes off  (watch this space for Cool Laser Cut Thing!) or my industry might collapse or I might get a windfall that allows me to retire sooner.

We can't live in all the infinite possibilities at once, but we can get pretty close to all the ones that are actually important to us. And by clinging less closely to any one dream, it makes it easier to move between them.

HenryDavid

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Re: Advice please: How did you commit to the life path you are on?
« Reply #9 on: May 24, 2017, 04:00:54 AM »
Got on this life path by watching, thinking, reflecting, reading, trying stuff out.
As a kid watched adults: who was happy, who not? Why? Who said they were, but obviously were not?
As a teenager read Thoreau, Vonnegut, others who said things like "march to the beat of a different drummer" and "build your castles in the air . . . now put foundations under them." In other words, think for yourself, figure out how to make it work.
Took a long backpack trip around Europe, learned a lot about how little you need and how little extra happiness comes from more stuff.
Thought I had it all figured out when I got out of grad school (frugality boot camp) and scored a great job. Started slipping into normal life though . . . took an unpaid leave, found equilibrium again. Returned to work a while longer and built up independence. Enjoying that now!

Trifle

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Re: Advice please: How did you commit to the life path you are on?
« Reply #10 on: May 24, 2017, 05:15:00 AM »
Our kids are the same age as yours, and a year and a half ago we did a major life U-turn.  We were living up north near family.  DH was miserable in his job, and we were less than thrilled about the weather and recreational opportunities.  So we started talking along the lines of "Based on what we like, where's the best place in the US we could live?"   We came up with a list of 5 areas that ticked all our boxes, and I (as the spouse with more job opportunities) started looking for jobs in those areas.  Got one within 6 months in a beautiful part of the south, and we moved.  It's been great.  Our lives are MUCH better than they were.

By far the hardest part was leaving family.  Some of them did not understand why we left.  We feel some guilt being far away when aging parents need something.  Usually we use our vacation time to visit family instead of traveling elsewhere.  But honestly, it was the right thing to do and we would make the move again.  No regrets.  We are looking at FIRE in a couple of years, and the way I look at it we can then spend as much time as we like up north visiting family. 

Do I still daydream about all kinds of other things?  Hell yes.  I think that is human nature for some people.  Now that we are in a happy place, I try to channel that energy toward FIRE planning, and our occasional non-family vacations. 

You sound pretty happy where you are, and it sounds like your finances are in a good place. I'd stay put.  You can scratch your RV itch with a long vacation maybe.  And if DH finds something good on the job boards, who knows?  Maybe you will end up moving to follow that. 

Good luck!     

Noodle

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Re: Advice please: How did you commit to the life path you are on?
« Reply #11 on: May 24, 2017, 07:55:38 AM »
I really recommend the book "Decisive" by Chip and Dan Heath. The topic is making good decisions and goes into a lot of facets--how to float trial balloons, the necessity for a back-up plan, etc. They have plenty of examples that relate to people making "lifestyle decisions." It definitely helped me think differently about decision-making, as I tend to get stuck in the analysis stage.

The other point I would make is one that others upthread have suggested--you don't have to make these decisions for a lifetime. You can try out one thing, and if it's not for you, you can try another thing. I think with our Mustachianism there is a tendency to want to analyze your way to the perfect optimized solution but it's OK to invest in some experimenting. (Decisive actually goes into this, and the idea of putting "guardrails" around your decisions.) For instance, you could try moving back to the midwest, but rent for a year or two before you build the big family home. Maybe RVing, or doing house swaps, in the summer would be enough adventure. Maybe if your oldest really wants to get in on it, he takes a year off before college to go along with you.

dude

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Re: Advice please: How did you commit to the life path you are on?
« Reply #12 on: May 24, 2017, 07:58:07 AM »
Big-Time Dreamer here. So far, I haven't fulfilled dreams so much as goals, though traveling extensively was a dream and I've done quite a bit the last 15-20 years. Current dream involves a retirement roadtrip (2-3 months) followed by working p/t at a hobby job while taking longer vacations, followed by (when DW retires) lots of slow travel in both places we already love and places we haven't yet been. Only thing standing in the way is getting DW fully on board. It's a work in progress, but it seems headed in the right direction. Won't be making any huge life changes (i.e., selling the house, uprooting), just spending more time doing what we have only limited time for now because of the 9-to-5 grind.

Laura33

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Re: Advice please: How did you commit to the life path you are on?
« Reply #13 on: May 24, 2017, 08:10:11 AM »
I am a dreamer and always wonder what is around the corner.  I get frustrated that choosing one thing means not choosing another.  I frequently wish that I could live multiple lives in series, so I could make different choices each time and see how that feels.  But I also know I only get to do this once.  Which, unfortunately, leads to analysis paralysis, because I feel pressure to make the One Right Choice.

But the reality is there is no one right or wrong choice -- there are as many that are right and wrong as there are sides to your personality.  So the best you can do is to work through the pros and cons of each option and figure out, on balance, which option best balances those.  And if you choose wrong, make another decision.

I took the "safe" route -- school, high-paying career, medium-to-low COL locations, stability, reliability, etc.  And even with that, life threw me for a loop a couple of times!  Lesson 1:  Accept that no matter what decision you make, you have only limited control over what actually happens and how things turn out.  Everything requires a leap of faith.

But beyond that, you made the decisions you did for a reason -- I suggest you figure out what led you to where you are now before you just chuck it to chase something else.  I frequently wish I had not been so scared earlier in my life, that I had taken risks before I had mortgages and kids in high school and all of that stuff that makes me even more risk-averse -- I mean, really, why couldn't I have just taken a year to backpack around the world?  But the reality is that that was not who I was at the time.  I had no money, no family who could fund me, and the thought of working dead-end minimum wage jobs just to scrape up money for a train ticket to the next location filled me with dread.  I came from no money, and so getting a job that could provide financial stability was the most powerful force that drove me.  So for me to kick myself for those earlier choices is disrespectful to who I was then.

But the flip side of that is that sometimes who you were then is not who you are now, and earlier decisions might not fit years down the road.  I have now achieved more than I ever expected out of school -- financial stability, same place and jobs for 13 years, married with kids, both families nearby, etc.  And I am getting antsy, because choosing to prioritize security meant trading away adventure.  So I do frequently reassess:  I remind myself of why I chose this (because we tend to take for granted the good things we currently have), and I look realistically at the pros and cons of the other options.  That is the same thing I would advise you to do:  figure out what drove you to where you are now, what needs are being met and what aren't, and what the tradeoffs are for your other options, both good and bad (hint:  if you are bored sticking around in your current location, do you really think you will be magically not bored sticking around in a location that you like even less?).  Which option speaks to you the most, *for right now*?  Do that.  If it doesn't work, rinse, repeat, do something different.

InnTee

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Re: Advice please: How did you commit to the life path you are on?
« Reply #14 on: May 24, 2017, 08:10:24 AM »
I dream about similar scenarios, FinallyAwake. Haven't made them happen yet though. I really like the advice from a few folks to try things rather than treat the decision as final forever.

Big-Time Dreamer here. So far, I haven't fulfilled dreams so much as goals, though traveling extensively was a dream and I've done quite a bit the last 15-20 years. Current dream involves a retirement roadtrip (2-3 months) followed by working p/t at a hobby job while taking longer vacations, followed by (when DW retires) lots of slow travel in both places we already love and places we haven't yet been. Only thing standing in the way is getting DW fully on board. It's a work in progress, but it seems headed in the right direction. Won't be making any huge life changes (i.e., selling the house, uprooting), just spending more time doing what we have only limited time for now because of the 9-to-5 grind.

You sound exactly like me, except my DW isn't working. Still hoping she comes around eventually to a less materialistic lifestyle.

Incandenza

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Re: Advice please: How did you commit to the life path you are on?
« Reply #15 on: May 24, 2017, 08:17:14 AM »
Quote
I know sooner or later I’m going to have to pick one and live with it the rest of my life.

I wouldn't be so certain about that.  Don't forget the benefits of outrageous optimism!  It may not be possible to do it all, but at the very least, with careful planning, you can do most of it.

Which is all to say, why not craft a plan that could include all of these things?  You've got a long life ahead of you. I bet it's possible to live some of it in Costa Rica, some back at home, and also take some time on the road.  Might be more of a challenge for most, but if you're on your way to financial independence you don't have much holding you back.

I get that big change isn't simple, particularly when you've got kids, but I think there's probably a doable plan that would allow you to embrace your big ideas.   



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Re: Advice please: How did you commit to the life path you are on?
« Reply #16 on: May 24, 2017, 10:31:11 AM »
I think you should do whatever that feels right to you. I have a friend who's a dreamer as well, she wanted to live in one country and thought that might be it, and then changed her mind, after living a number of years in different countries that she thought were right for her, she's still wondering what she wants to do when she grows up. She's in her 50's now. She doesn't care if she has to work til she dies and has no retirement money, she only cares about the present, what she wants presently and what makes her happy. There's nothing wrong with that. It's not the path I would choose, but it's fine for her because that's what she wants.

redbird

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Re: Advice please: How did you commit to the life path you are on?
« Reply #17 on: May 24, 2017, 10:32:25 AM »
I've never committed to a life path, in the sense that things happen. Something new will crop up and will turn my life a different way than I completely expected.

As an example - I FIRE'd less than 2 years ago. When I first FIRE'd, the plan was to move back to the US from overseas, live in a LCOL state, rent for a while so I could look for a place to buy, buy a house, and settle down there, while starting to take road trips around the US.

That didn't quite happen the way I expected. We rented in that first place we went to for about a year, moved many states away so husband could take a very temporary (less than 1 year) job to build up some more house-buying funds and so we could get a mortgage (EXTREMELY DIFFICULT post-FIRE due to all the post-housing crash regulations). Then we bought a house from a distance (with help, so we weren't getting it completely blind) in yet another state, and moved there.

So see - in less than 2 years even my life path has gone pretty different from original plans. My whole adult life has actually changed paths like this a lot. None of it has ever turned out like expected. So I don't see how you have to commit to any path necessarily.

Mr. Green

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Re: Advice please: How did you commit to the life path you are on?
« Reply #18 on: May 24, 2017, 10:33:38 AM »
Glad to know I'm not the only one wondering what my alter ego would be doing!  :)  This is the big trouble for me.  When I'm 80, will I look back and be happy with the choices we've made?  So far, so good.  But I feel like we're at a big crossroads in our lives, with our oldest being 13.  I just don't want to screw it all up.  :(  I think have analysis paralysis.
I can relate to this so much from the last 6 months. I want no regrets when I die, I don't care how scary the fear is. I've learned there is a difference though between fear and emotional turmoil. Fear can make you afraid to act, but turmoil can impact you so deeply that you become unhappy. It's been my experience that nothing is worth being unhappy just sitting on your chair. That's misery. Unfortunately, some times it takes "pushing past the fear" and realizing it's not going away to learn that the issue is deeper than that. When that happens you just have to adjust. It also means becoming very comfortable with failure. I've done a lot of failing over the last 6 months. If you're not used to it, it can be a really weird feeling. It helps me to remind myself of our (humans) loss aversion weakness(?), and how what you're "losing" probably isn't going to hurt like you think it will. It rarely does in reality.

Planners aren't great at taking leaps of faith, which is directly at odds with having no regrets. It definitely requires getting outside your comfort zone. I've been trying to toe the line as much as I can while still being happy overall.

CanuckExpat

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Re: Advice please: How did you commit to the life path you are on?
« Reply #19 on: May 24, 2017, 10:58:51 AM »

Thought I had it all figured out when I got out of grad school (frugality boot camp) and scored a great job. Started slipping into normal life though . . .

Unrelated: I really like the idea of grad school as frugality boot camp. I may just have to steal that!

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Re: Advice please: How did you commit to the life path you are on?
« Reply #20 on: May 24, 2017, 11:17:39 AM »
I think you're my clone. I flip flop daily on working 10 more years in a career track to be FI. Quitting everything to live in a van. Creating a "stable" life by buying a house and settling in one place. Doing a 6-12  month S. America tour. Doing PeaceCorps and work or volunteer in another country for a year. SAving money and moving into the mountains. The options go on and on. Pretty much anytime I hear of a couple doing anything other than working until 65 I want to do it.

I'm 33, and we have decided on no kids, so I feel its definitely a mid-life crisis of sorts. We finally had a really core group of friends in our new city, but they are all moving to the burbs and creating families and mutual interests are moving farther apart. That is pretty much the only path we have said no to at this time (the kids, maybe not the burbs). That, combined with finally finishing our student loans after 10 years of 3k/month payments, I feel a strong push to pick something radical and do it NOW. I know its completely irrational, but I feel old and like opportunity has been continually dwindling. We have already missed out on so much time being a slave to a job to pay the bills.  The problem is I want to do everything and want to do it now. But none of the legwork to set our life up to be able to do it has been done. I'm still struggling with the next path to take. The only thing I can really do is have faith that something will come a long that tugs me in that direction and try to calm my inclination to take absolutely no risks.

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Re: Advice please: How did you commit to the life path you are on?
« Reply #21 on: May 24, 2017, 11:53:56 AM »
Quote
I know that Life #3 is the most practical, financially & psychologically (minus the continually looking for another job).  So why am I constantly researching RV life on the road?  Or looking for house plans with an in-law apartment and ground to build on?  I was just on our local college website looking at conversational Spanish classes in case we decide to live in Costa Rica someday!

What is wrong with us???   

Does anyone else fight this, like hubby & I do?

How do we pick a life and live it, without regrets?   Our kids are growing up fast (oldest is 13); if we’re going to take a huge U-turn, we need to do it soon…….

I think this is kinda normal.  I research RV life on the road, read about tiny houses.  I think it's really really cool.  I read and research long distance hikes like the PCT.
I will probably never ever do these.  (My personality, I like the idea, but doubt I'll ever do it.)

For a couple of years, I researched moving back "home".  Not my home (no jobs there, too many Trump voters), but my  husband's home.  More jobs, cheap housing.  Could basically retire now. 
Probably won't do that either.

Fact of the matter is, for us - inertia is a powerful force.  We probably won't leave our HCOL area, because we are *mostly* happy with our lives.  We have enough money that we could do any of these things, if we really really wanted to.

I do figure out little ways to indulge my fantasies.

I have friends who are definitely more "doers", and they take long road trips in an RV (month or two).  They are actively planning a year off to move to Central America.  Their original timeline didn't work out but are still planning it.  One reason I like my MMM lifestyle is the freedom to do that if I wanted to.  Need to have $50k in an account before you move?  No prob.

mm1970

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Re: Advice please: How did you commit to the life path you are on?
« Reply #22 on: May 24, 2017, 11:54:58 AM »
I live the RV life now without kids (see signature) and I think you're seeing it as much more of a "we will need to do this forever" thing than it really is. There is nothing wrong with doing the RV plan for a couple months or years to see how it works for you.

You'll want to do it the mustacian way and buy a cheap used RV that won't depreciate $3000/month for the first year like many people do. Our total costs all in for a 26' Class C RV, all the repairs, a complete gut and rebuild, a solar panel system and all the towing equipment were about $15k. Selling all of our stuff brought in about $4k. This isn't a big commitment compared to buying a house.

We'll probably move back into a sticks and bricks house in the next year or two as we miss the sense of community we get living in one place for a while. And that's ok. If we had a $80k-200k RV, it would be a much bigger deal to back out of the RV plan but as it is, we might not even sell the RV when we settle down again.
Most recent Tiny House Magazine has an article about a couple that tried it out and gave up after a few months.

letired

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Re: Advice please: How did you commit to the life path you are on?
« Reply #23 on: May 24, 2017, 04:13:04 PM »
But the reality is that that was not who I was at the time.  I had no money, no family who could fund me, and the thought of working dead-end minimum wage jobs just to scrape up money for a train ticket to the next location filled me with dread.  I came from no money, and so getting a job that could provide financial stability was the most powerful force that drove me.  So for me to kick myself for those earlier choices is disrespectful to who I was then.

I really love this sentiment. Baby!Me made a lot of choices that Now!Me would not make again. But that was who I was then and I didn't know what I know now. Its hard for me to see it sometimes, but Baby!Me was a very different person in some important ways.

SachaFiscal

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Re: Advice please: How did you commit to the life path you are on?
« Reply #24 on: May 24, 2017, 04:47:32 PM »

For a couple of years, I researched moving back "home".  Not my home (no jobs there, too many Trump voters), but my  husband's home.  More jobs, cheap housing.  Could basically retire now. 
Probably won't do that either


Where in the US is their both cheap housing and not a lot of Trump voters? I want to go to there.

mm1970

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Re: Advice please: How did you commit to the life path you are on?
« Reply #25 on: May 24, 2017, 05:25:27 PM »

For a couple of years, I researched moving back "home".  Not my home (no jobs there, too many Trump voters), but my  husband's home.  More jobs, cheap housing.  Could basically retire now. 
Probably won't do that either


Where in the US is their both cheap housing and not a lot of Trump voters? I want to go to there.
Upstate NY.  But prop taxes are high.

At least, way fewer Trump voters than my home town.  I have to put in that caveat.

Trifle

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Re: Advice please: How did you commit to the life path you are on?
« Reply #26 on: May 24, 2017, 05:37:23 PM »

For a couple of years, I researched moving back "home".  Not my home (no jobs there, too many Trump voters), but my  husband's home.  More jobs, cheap housing.  Could basically retire now. 
Probably won't do that either


Where in the US is their both cheap housing and not a lot of Trump voters? I want to go to there.
Upstate NY.  But prop taxes are high.

At least, way fewer Trump voters than my home town.  I have to put in that caveat.

Yep -- upstate NY is liberal in many places and low COL.  But high property taxes and daaark cloudy winters.     

nawhite

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Re: Advice please: How did you commit to the life path you are on?
« Reply #27 on: May 25, 2017, 08:20:48 AM »

For a couple of years, I researched moving back "home".  Not my home (no jobs there, too many Trump voters), but my  husband's home.  More jobs, cheap housing.  Could basically retire now. 
Probably won't do that either


Where in the US is their both cheap housing and not a lot of Trump voters? I want to go to there.
Upstate NY.  But prop taxes are high.

At least, way fewer Trump voters than my home town.  I have to put in that caveat.

OMG the property taxes are high! I have a house in Denver that is worth 50% more than my parent's house outside Rochester, NY. My property taxes are literally 1/10th of my parents ($1,200 vs $12,000 per year). I thought about buying a rental in Rochester until I saw the property taxes and I couldn't make the numbers work even with a 1.5% rule house. The 50% rule looked more like the 70% rule there.

Schaefer Light

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Re: Advice please: How did you commit to the life path you are on?
« Reply #28 on: May 25, 2017, 08:41:40 AM »

For a couple of years, I researched moving back "home".  Not my home (no jobs there, too many Trump voters), but my  husband's home.  More jobs, cheap housing.  Could basically retire now. 
Probably won't do that either


Where in the US is their both cheap housing and not a lot of Trump voters? I want to go to there.

The ghetto in pretty much any town.

mm1970

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Re: Advice please: How did you commit to the life path you are on?
« Reply #29 on: May 25, 2017, 02:18:25 PM »

For a couple of years, I researched moving back "home".  Not my home (no jobs there, too many Trump voters), but my  husband's home.  More jobs, cheap housing.  Could basically retire now. 
Probably won't do that either


Where in the US is their both cheap housing and not a lot of Trump voters? I want to go to there.
Upstate NY.  But prop taxes are high.

At least, way fewer Trump voters than my home town.  I have to put in that caveat.

OMG the property taxes are high! I have a house in Denver that is worth 50% more than my parent's house outside Rochester, NY. My property taxes are literally 1/10th of my parents ($1,200 vs $12,000 per year). I thought about buying a rental in Rochester until I saw the property taxes and I couldn't make the numbers work even with a 1.5% rule house. The 50% rule looked more like the 70% rule there.

Ha ha yes.  A quick search.

My house in coastal So Cal
House: $800k, Prop taxes $7300

Three houses of similar size in upstate NY (1100 sf, we are talking SMALL here)
House: $75k, taxes $2600
House: $109k, taxes $4700
House: $169k, taxes $6000

ouch

Cap_Scarlet

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Re: Advice please: How did you commit to the life path you are on?
« Reply #30 on: May 25, 2017, 03:19:23 PM »
I think you can live multiple lives albeit not simultaneously.

We have done it.

But what I can tell you is this:

1. Its incompatible with having strong social roots.
2. It can be expensive.

But....

Its worth it to never have to say "what if...." no regrets and all that.

Rosy

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Re: Advice please: How did you commit to the life path you are on?
« Reply #31 on: May 25, 2017, 03:48:14 PM »
Have you ever worked through George Kinder's Three Questions? When I was a financial planner, I used them with my clients to think about goals. They helped me with some key decisions n my own life as well:

http://www.getrichslowly.org/blog/2009/02/15/george-kinder-three-questions-about-life-planning/

^^^ This^^^ - if you are seriously looking to change your lives - cool exercise and plenty of food for thought and realization of where your dreams and desires stem from. Honor your true self and appreciate what you have - make changes going forward as you see fit.
... at present, you are simply daydreaming, safe and secure in your world - not a bad way to experience life.

However, if the dreams become niggling, sort it all out and see if a change is really necessary or if you simply need an infusion of fun, different life experiences or are truly ready to follow your dreams.
That doesn't mean you have to start living in an RV tomorrow - take a trip or two - figure out how you could make it happen 2 or 5 or ten years down the road.
Of course there are always options and variation of your dream life - go on the road 6 months out of the year or three months - even if you were to choose # 3, you could still combine your RV dream with life #3 to a certain extent.

Life is always full of surprises - enjoy the ride, dream a little or a lot, know that some dreams are meant to remain dreams. It is good to look before you leap.
Enjoy the luxury of dreaming and taking a few tentative steps on a different path - commit, if you feel it is right, but be wise enough to take a different path or a step back, if you find this is not the right path for you. Nothing in this life is truly permanent:)

Yes, you can live out several dreams in your lifetime, why not?:), just remember that every choice has consequences.

doggyfizzle

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Re: Advice please: How did you commit to the life path you are on?
« Reply #32 on: May 25, 2017, 04:58:42 PM »
How do we pick a life and live it, without regrets?   Our kids are growing up fast (oldest is 13); if we’re going to take a huge U-turn, we need to do it soon…….

I think all three of your life paths are possible by potentially staying put.  If you've got a gusher of money right now where you are in the South, sit tight and enjoy it.  If you're in good health, wait to FIRE until kiddos are out of the house and then go on a yearlong RV adventure (have the kids meet you places in the summer) and rent a house in the Midwest in the Sping/Fall and spend time with family.

I think as long as you wake up happy and excited to start the day (which I'm fortunate to say I do), then you're well on your way towards a regret-free (or minimized life).  My wife and I live in a very HCOL area, but both have incredible jobs with flexibility and good pay/benefits, and by living a bit more frugally than most people will be able to retire once our kid is off to college.  We've got many adventures planned that involve family and exotic locales and time away from work, but both acknowledge that the more major 6 month-1 year long adventures are on the back burner so we don't interfere with our kiddo's schooling (once he starts, that is) until our early 50s when we retire.

FinallyAwake

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Re: Advice please: How did you commit to the life path you are on?
« Reply #33 on: May 25, 2017, 09:31:02 PM »
Hey y'all!  OP here.

I REALLY appreciate everyone's responses; the empathy, encouragement, and advice have all been amazing.

I have taken notes and DH and I are going to talk them over this weekend (presumably over a campfire with s'mores) and really hammer this out.  I'm excited to see what we can lay to rest and what we can turn in to an actionable plan.  The suggestion for Kinder's Three Questions was brilliant; I'm already starting to get an idea of what our next move may be!  :)

I plan to report back next week.  In the meantime, I hope you all have an amazing weekend.

THANK YOU!