Author Topic: Say Hi and Introduce Yourself  (Read 1058053 times)

Tigerclaws

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Re: Say Hi and Introduce Yourself
« Reply #3700 on: May 31, 2018, 05:34:54 AM »
Hey everyone! I am Robyn from Georgia, I am excited to be a part of this community.  I am 53, own my home, zero debt.  I have been my mother's sole full time care giver for 1.5 years.  I am in plan and decision mode for future expenses in case of assisted living needs for Mom.

jimmyshutter

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Re: Say Hi and Introduce Yourself
« Reply #3701 on: June 03, 2018, 12:47:10 AM »
I just turned 53 and wish I was educated earlier in life about investing. I share the same values as many here and I've my quest towards financial freedom.

I hope to learn from many here. :)
« Last Edit: June 03, 2018, 12:52:46 AM by jimmyshutter »

MissyDOP

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Re: Say Hi and Introduce Yourself
« Reply #3702 on: June 04, 2018, 01:31:13 PM »
Hello, Missy from Virginia here.  We became debt free 2 years ago and have never looked back since.  People think we are weird because we pay cash for everything and live on a tight budget.  Look forward to meeting some likeminded people. 

JustJayMusic

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Re: Say Hi and Introduce Yourself
« Reply #3703 on: June 04, 2018, 02:47:11 PM »
Hi, I am Jay and have been lurking here for the past few days. My wife and I have a 11 year old son and live outside Philly. (Home of the Super Bowl Champs The Eagles, in case you forgot who won this year) We have slowly dug ourselves out of financial crisis from a failed business, and the outrageous debt that hobbled us for years. Finally back on our feet, (with a little breathing room from an small inheritance) now with money in savings, money in 401/matched 403/529 and the inspiration to grow our retirement fund with tips found here and other places. We still have one financial obstacle to get past (underwater house, we are renting at a loss) but working on solutions for that.

Pleased to meet you all!

Jay
Interested in my music? https://jayregan.bandcamp.com/

Ray1

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Re: Say Hi and Introduce Yourself
« Reply #3704 on: June 05, 2018, 11:40:36 AM »
Hi,
I'm Ray.  I've been lurking on this forum for the past several months and have learned a lot.  My wife and I have four children and live in the southeast.  Recently started a blog about side hustles and personal finance and I'm excited to be a part of this community.
-Ray

JustJayMusic

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Re: Say Hi and Introduce Yourself
« Reply #3705 on: June 08, 2018, 08:22:59 AM »
Hi Ray, Welcome, I'm new here too and wanted to say Hi! You should post your blog site in your signature. I have been looking for some side hustles too and would be interested to see if there are any new things around that I haven't thought of or have skills for . . .

Jay
Interested in my music? https://jayregan.bandcamp.com/

Raynae85

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Re: Say Hi and Introduce Yourself
« Reply #3706 on: June 08, 2018, 07:34:36 PM »
Hi!

Raynae here 33/F/Married/1kid/$100k NW

Ive been exploring MMM for about 3 months and am learning a lot about myself, my spending habits, and what I want for my future. My husband is about 5 years away from his 20yr. military retirement too. I have a good base (20% mustachian stubble), but am still learning and Im excited to be apart of the community. Id love to have my time to myself to read, spend time with families my, volunteer, travel, and perhaps start a small side business someday. Im also highly social and motivated so I dont terribly mind juggling a high paced career as a project manager and being a mother and wife for now. I do however want t break away and travel extensively in about 15 years. I wish I would have done more sooner, but here we are and here we go!

Im really excited to be on this journey! Im still trying to convince my husband fully though. Hes supportive, but he has no mustache yet. Ive made some big changes in the last month alone just being more mindful and reducing a lot of stupid lady luxuries and laziness.

Some highlights;
-fully funding $18500 to my 401k (18% now, previously 12%)
-increased mortgage principal payment to $500.00 per month instead of just $100 extra
-opened a vanguard account and bought my first $3000.00 in vtsmx

Im definitely curious to know how were stacking up and what we can improve on, but Ill save that for another thread. I have some big decisions to make upcoming so I appreciate your help in advance!

Thanks!

I Want to Believe

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Re: Say Hi and Introduce Yourself
« Reply #3707 on: June 11, 2018, 09:10:08 AM »
Hi,

My names Patrick from the southwest of England. I found this site looking at something else, and a lot of the ideas are resonating with me. I'm fed up with living in debt, and feeling like I'll never be free to actually live, but didn't understand how it was possible to get there short of a lottery windfall or something equally unlikely.

Reading the articles in the blog and forums showed me that anyone can do it, if they are determined enough. The hardest part is going to be convincing my other half that we need to make some drastic changes. Getting a better rate on the loan now our credit scores have improved is only the first step, but will make it easier to climb out of that deep hole.
« Last Edit: June 11, 2018, 09:16:22 AM by I Want to Believe »
Artificial Intelligence is no match for Natural Stupidity

JOAT MON

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Re: Say Hi and Introduce Yourself
« Reply #3708 on: June 12, 2018, 02:22:52 PM »
Hey everyone,

I'm a recent (1 year ago) college graduate living in/returning to San Diego. Right now I am living with my parents who live within biking distance of my job while I save up for the down payment on a house. I know that San Diego is a very expensive place to live, but I also find it an exceptionally pleasant place to live and am willing to pay for it.

I work as an electrical engineer and have what I would consider a very good salary. I started reading MMM because in a previous summer internship I had, I spent nearly all of the $17,000 I made that summer with very little to show for it. I was fortunate enough to have no permanent consequences from that experience as well as graduate college debt-free because of generosity from my parents. I am now working towards living at the very opposite end of the consumerism spectrum.

If anyone has any real estate advice for the area or if there are any San Diego area meetups going on, please let me know. I'm excited to be a part of the Mustachian community!

Cheers!

waylah

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Re: Say Hi and Introduce Yourself
« Reply #3709 on: June 14, 2018, 02:16:30 AM »
Hi!

I'm a scientist and I am so excited to find this place!
I love the idea of being proactive in planning for retirement. Both my partner and I have lots of hobbies we wish we had more time for. I love the idea of figuring out what you want THEN figuring out how much money you need for that, rather than the other way around of just earning money 9-5 because 'that's what people do', and then spending it on whatever.

I live in Australia, no kids (yet), and am new to this website and forum, and many of the concepts (and acronyms!) therein. First step I think is figuring out EXACTLY what our spending is, where it is going. Then I'm going to fill in a 'case study' and soak in all your excellent advice! :D

and keep reading!

overdrive23

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Re: Say Hi and Introduce Yourself
« Reply #3710 on: June 20, 2018, 08:48:01 AM »
New here & to FI/RE lifestyle. Slowly dipping into it and trying to get smarter.

My #1 main question is how someone in my current situation can expect themselves to do well with FI/RE. Most of the FIRE stuff I've read is great for people that are early in their lives/careers.

I'm 35, have a wife, house, kid, 2 cars, CC debt, college debt etc..... the "sadly typical trap" of life.

I'm paying as much as possible into our highest interest debt, just got confirmation from VZN that we have no contract and will be switching to Ting or RW shortly.

But honestly, I'm very far from making this happen and it just  seems insurmountable. Can anyone give positive guidance on how someone where I AM NOW can succeed??

diapasoun

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Re: Say Hi and Introduce Yourself
« Reply #3711 on: June 20, 2018, 02:08:04 PM »
@overdrive23, I'd suggest heading over into the Case Studies and Ask a Mustachian sections. Read around -- there's plenty of young folks and super high earners on here, but there's also plenty of folks starting in the position that you're in, too. You might also consider starting a case study yourself to get ideas and feedback.

Kole with a K

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Re: Say Hi and Introduce Yourself
« Reply #3712 on: June 21, 2018, 02:13:26 PM »
Hello!

I've been reading MMM for a while, after having a financial literacy class in high school, and thought I should get on the forums to find advice and knowledge from some pretty cool people.

I'm currently attending college and avoiding any loans in the process. Picking up internships and work where I can. Making sure I have enough money in my accounts to pay for each year.

College life definitely has lots of spending temptations, especially when your friends have no clue how to lead an even remotely mustachian life. I still join on friend outings, but often spend way less money on dumb stuff and overly expensive foods. So far, loans are out of the picture and looking good for next year. And it should stay that way!

Kole

GreenEngineer3

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Re: Say Hi and Introduce Yourself
« Reply #3713 on: June 22, 2018, 11:22:49 AM »
Hello to everyone!

Lee 45/M/Married/2kids/NC area/2028 Class Cohort

Been reading the MMM forums for over a year, but am only posting for the first time this week.  (Previous job did not allow me to interact online)  This forum allows me to interact with like minded individuals who would prefer to reach a level of financial security and personal freedom that seems to be foreign to anyone else that I associate with in my line of work.  Even my closest friends, in the same industry, can't fathom leaving the work place until they reach retirement age.  Enjoying today's indulgences rather than sacrificing for the future is the standard practice.  Whereas, my wife and I are much more frugal and want to pass those teachings on to our kids.... while still planning the day and activities that we will enjoy when we say 'enough is enough'.

Timelines: 3 years to mortgage paid off/5 years until college begins for oldest child/10 years til retirement

clarkebarry

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Re: Say Hi and Introduce Yourself
« Reply #3714 on: June 23, 2018, 01:19:10 AM »
Hi,

I am Clarke Barry.

I just love to travel & find interesting things to share around. Barely, I had any month without travelling anywhere. I am a swimmer, blogger and content writer.

Monypnny

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Re: Say Hi and Introduce Yourself
« Reply #3715 on: June 23, 2018, 07:02:19 AM »
Hi everyone,

I'm Moneypenny with 's cause that is the currency I'm trying to save as much as possible. I live in the Netherlands.

Mom of 2 little girls, wife, admin assistant/ secretary, 42.

Pardon my English in advance. My spelling check isn't very helpful at times and when I'm tired I don't see everything clear in my own language or any other.

John Galt incarnate!

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Re: Say Hi and Introduce Yourself
« Reply #3716 on: June 23, 2018, 02:44:13 PM »
Greetings to one and all,

A year or so ago I was on the www  reading about recipes for fried potatoes which led me to this website.

As I recall, the first post I read here that day was by Mr. MM himself on the subject of fried potatoes (his favorite recipe I think).

Since then I've been an occasional lurker; today I decided to register.

I'm FI/RE and  live in rural California.

I have B.S. in finance and a J.D. degree so there's plenty of subject matter of interest to me here at Mr. MM's site.

A LOUD HELLO TO ALL!





PickingDaisies

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Re: Say Hi and Introduce Yourself
« Reply #3717 on: June 23, 2018, 09:48:33 PM »
Hello
I am a long time follower of MMM and the blog (its only been a few years) and I decided to make myself official. I will continue to read until I one day get brave enough to ask for help or voice opinions.

Rivertop

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Re: Say Hi and Introduce Yourself
« Reply #3718 on: June 26, 2018, 04:45:39 PM »
Hey!

I'm Suzee. Long time lurker, first time poster. 55 from Texas and will FIRE late this year or early next year. Glad to officially join!

BMW Jalopy

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Re: Say Hi and Introduce Yourself
« Reply #3719 on: June 28, 2018, 01:13:49 PM »
Hi. I'm 55, married, kids almost out of college & thus off the payroll. I really need 5 more years to hit my FIRE numbers, but my nerves are fried really bad right now, and a vacation isn't going to help much. Sadly, I never had a high paying job until recently, so every "one more year" makes a profound difference in my after-FIRE spending power. To get up to speed, I'm consuming a large amount of this forum, Mad Fientist, and the reddit people. My spending is completely out of control, so I'm concentrating on that, to increase my savings rate and reduce my FIRE number. I'm finding the effort greatly complicated by having 3 other humans that I'm financially connected to. Very excited to be here, and I see that there are other late bloomers here as well.

dtmriley

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Re: Say Hi and Introduce Yourself
« Reply #3720 on: June 28, 2018, 03:44:08 PM »
Hi

My name is Dan, 27 years old. Trying to figure it all out, one mustache hair at a time?

Was just turned onto website from a friend who said this sounded like how I live.

I have no debt, biggest area I would say I need work/advice/knowledge is what to do with funds I do have saved, only small portion our invested in market. The rest is in checking acct lol.

I look forward to becoming more involved in this website and community.

Feel free to reach out !

Nomadic Becca

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Re: Say Hi and Introduce Yourself
« Reply #3721 on: June 30, 2018, 07:18:40 AM »
Hi, I'm Becca and Just discovered the world of FIRE. I'm based in Berlin Germany and Devon England but am half spanish so i am there sometimes too. My life philosophy for lack of better word is to live freely, maybe in an eco house in Devon or even better sailing around the world. I'm in my mid forties and i wouldn't say I'm retired but am looking for ways to make my money last and that involves some form of work. At present I'm looking at investments, i have enough property for now.

Looking forward to meeting you all.


sanderh

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Re: Say Hi and Introduce Yourself
« Reply #3722 on: July 01, 2018, 11:42:13 PM »
Hi, I'm Sam and have been lurking on the forums off and on for a few years. When I first discovered MMM, I read all the posts (took me days). Not exactly a Mustachian thing to do, sitting and not being productive. It turned out I was mostly living the Mustachian way already. I like hiking and outdoors, science and fiction.

Writer_Girl

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Re: Say Hi and Introduce Yourself
« Reply #3723 on: July 03, 2018, 07:44:52 PM »
Hey all!  You may have guessed by my user name, but I'm a writer.  I work full-time and have manged to pull in some decent side-income by writing.  We'll call it freelancing, but really it's more of a second job.

Basically, I need to retire early because I have something of an invisible (but progressive!) illness and I don't want to end up on disability relying on whatever tiny amount of money the government deems that disabled people are worth.  I want to make sure I'm provided for.

And even before I was diagnosed, well, I was frugal then too, and I had saved a lot.  Thanks, parents. 

I have a little nest egg, a very nice car (I know, I know, not mustachian of me) that I bought at 0% interest, a steady, full-time job that I don't hate, a job outside of that job that gets me the extra money,  a sparkling credit score, low rent, and a single smallish student loan I haven't paid off because it's keeping my credit score sparkly.  I graduated during the recession, so my 401k COULD be a lot better better, but unfortunately the first few years of my career were "staying afloat" and "not accumulating debt" and "not living in a cardboard box" so that went well.  Every year, I up it by 1%, and I use the company match and then some.

I want to learn how to best use the stock market in order to retire early using my freelance income.  Oh, and what I get paid for the clinical trials I'm in can go in there too.   (I'm not going to die though, stop worrying.)

Basically, I told the doctors to attack my incurable ass disease with everything they got, and I'm not going to stress but also going to go for early retirement with what I have.

My one vice:  makeup.  I won't put cheap stuff on my skin. 
My other vice:  my medicine costs more than twice my income but it's cool.  'Merica.



D.O.G.

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Re: Say Hi and Introduce Yourself
« Reply #3724 on: July 06, 2018, 07:02:34 AM »
Hello from Germany!  My name is Dirk, I'm 53 ys old, photographer and editor and live in the countryside of german Texas (= Bavaria). I have a family, a house, a dog, too many hobbies, a bend for thriftiness and - I think this qualifies me first and foremost - a big mustache :)
 
Thank you all for your interesting posts, I catch myself all the time procrastinating by constantly browsing this forum. I hope I may also contribute something worthwile reading!

Mo Geek

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Re: Say Hi and Introduce Yourself
« Reply #3725 on: July 06, 2018, 11:10:44 PM »
Hey everyone! I stumbled across MMM about 1.5 years ago (through a link in a youtube channel, no less!) and was immediately hooked. I've been lurking in the shadows of this forum ever since and thought I'd finally introduce myself!

I'm Monique, 32 years old and live in the Pacific Northwest. My fiance and I own a very modest house, a sweet old dog, and have way too many hobbies that revolve around getting out and exploring the outdoors, whether it be in a raft, on bikes, snowshoes/boards/skies, or in hiking shoes.

I'm super happy to officially join and look forward to becoming more involved in this rad community of mustachians :-)

PurpleMinion

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Re: Say Hi and Introduce Yourself
« Reply #3726 on: July 06, 2018, 11:35:01 PM »
Hello everyone! I've heard a lot about these forums over the last few years and I finally decided to head on over and sign up.

I'm married with two kids, and about two and a half years ago I decided to go back to school. I just graduated in May, and my dream job will be opening up next year. If I get it (which is very likely, although there are never any guarantees in life), my salary will double. Until then, I've laid out all our debts that we've accumulated and we're trying to pay them down as much as possible. Once my salary goes up, it will be much easier to do that, but until then we'll do the best we can. That's why I'm here. I can't wait to read some great tips and insight from you all!

Raymond Reddington

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Re: Say Hi and Introduce Yourself
« Reply #3727 on: July 08, 2018, 03:12:16 PM »
Been reading the blog for a couple years now, finally deciding to be more active in terms of pursuing Mustachianism and trying to surround myself with people with similar values. As I've gotten older, I just find people so...unfulfilling by and large. All they want to do is go out to eat and drink things, or spend money on expensive "entertainment" like movies or shows. Plus they mostly want to talk, typically about depressing subjects such as politics, or what they are doing with their life (which is typically not a whole lot, which is why it's depressing). Personally, I find people who are always striving for self improvement and talking about it to be invigorating, exciting to be around, full of ideas, and happy. There is too much cynicism, and I am capable of being a perfectly good pessimist on my own without needing to surround myself with more!

I'm 32, married, living in NYC, no kids. Homeowner with a mortgage. Enjoy brewing beer at home, going to the batting cages, hiking, investing, home improvements, etc. Have great credit, no debt, a moderately high paying job (this is by NY standards, so to many of you it will seem high) that I keep trying to save and invest more of the proceeds from. My job places a lot of demands on my time, so I'd love to retire by 50 (as that's when my pension will be fully vested), although I will certainly settle for 55 (as that's when I'll be able to start collecting from my pension).

I do own a car, but work features variable commutes, often to bad neighborhoods and at hours where public transportation is not running. I don't want to leave this job because of the minimal cost of healthcare and the pension. But I bought the car used, and it's paid off. When I can, I try to take public transportation to and from work. My biggest weakness is probably a tendency to eat lunch out way too frequently on work days.

I want to learn how to get the most for my money, diversify my streams of income in retirement, and otherwise live a healthier, more active lifestyle frugally, and make some friends while doing so.

It's funny, by all metrics, I'm doing great for my age, but yet when I run my own simulations, I always get results that indicate to me I squandered much of my 20s re: saving and investing (even though I did a fair amount), and will never be able to make up for the damage I did. So always looking for more to do that allows me to maintain a similar quality of life.
"The reality about transportation is that it's future oriented. If we're planning for what we have, we're behind the curve." -Anthony Foxx

"Silence is the best way of saying f*** you"

Retyrebye50

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Re: Say Hi and Introduce Yourself
« Reply #3728 on: July 09, 2018, 06:22:55 AM »
Hello friends,

Matthew from Northeast Ohio here. 39 (soon to be 40), married, no kids, (2) dogs. I am a mechanical engineer (20 years experience) and starting to get tired of the rat race. I am looking to retire in 10 years. I have already been browsing the website for a few weeks and anxious to start reducing my wasteful spending habits and start investing my money into the right places.
Nice to meet you all.

Britt

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Re: Say Hi and Introduce Yourself
« Reply #3729 on: July 09, 2018, 06:25:28 PM »
Hi, I'm Britt.

I'm 31 years old and in the middle of wedding planning for this October. I have about $31,000 in student loans that I am determined to pay off within the next year or two and this is the first year that I have actually really focused on saving for a rainy day. I'm starting off with baby steps (meaning that I'm focusing on one or two things at a time) because it's pretty common for me to throw myself into something completely, burn out and then give up, and I don't want that to happen here. Glad to have a place for support, ideas, common goals, etc.

SamBea

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Re: Say Hi and Introduce Yourself
« Reply #3730 on: July 10, 2018, 03:52:16 PM »
Hello!

I'm Sam and new to all this. 26 and living in NYC with good pay and some student loans as the only form of debt. This blog has inspired me to pay off my loans by October and try to retire by 41. Excited for the journey!


ladonnabaffuta

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Re: Say Hi and Introduce Yourself
« Reply #3731 on: Today at 10:23:57 AM »
Hi, everyone!

I've been reading MMM for a couple of years now, but only recently discovered the forum and the wealth of knowledge here! (Pun intended.)

I've always thought of myself as relatively frugal (through necessity, rather than choice) because I came from a very modest background. I also always assumed that I would need to work until standard retirement age and that retirement calculators were accurate (everyone spends every penny they earn, right??). I've recently begun to question all these assumptions. While I'm not anywhere near the mustache levels of people on this forum, I aspire to be much closer than I am.

I'm 34 and live in SoCal with my husband (no kids yet - hopefully one in the near future). Our combined income is $176.5k. We save about 40% of our income, but we could do much, much better. My husband is naturally pretty thrifty, but there are some things that he is not on board with just yet. I'm focusing on cutting my own wasteful spending first, and then will gently encourage him to consider it, too. (I've already been able to cancel Hulu, Showtime thru Amazon, and Netflix, so I consider these all big wins!) I plan to post my own case study once I get rid of some of the really embarrassing items.

Thanks to everyone who has posted here because I've learned so much already.