The Money Mustache Community

General Discussion => Welcome and General Discussion => Topic started by: Mrs MM on February 17, 2012, 09:16:36 AM

Title: Say Hi and Introduce Yourself
Post by: Mrs MM on February 17, 2012, 09:16:36 AM
Hi everyone,

I've started this thread to get some introductions going.  If you haven't posted anything on the board yet, this is a great place to say hi.  If you have posted, then say hi anyway.  :)

I'll go first.

Hi!  I'm Mrs. Money Mustache.  I'm married to this awesome guy that some of you may know and we have a great 6-year old kid.  We live in Colorado and life is good... very good.  :)

Who's next?
Title: Re: Say Hi and Introduce Yourself
Post by: Mike Key on February 17, 2012, 10:01:51 AM
Hi, I'm Mike.

I climb things.

Title: Re: Say Hi and Introduce Yourself
Post by: velocistar237 on February 17, 2012, 10:06:51 AM
Hi, I came over from Jacob's blog a few months before the torch passing. Turns out I am more like MMM than ERE. My wife and I have two kids, ages 3 and 1. I live in the Boston area. I'm about 10 years from retirement, so it's good that I generally like my job designing spaceships.
Title: Re: Say Hi and Introduce Yourself
Post by: adam on February 17, 2012, 11:48:38 AM
Hi.

I'm Adam, and I'm in debt up to my eyeballs.
Title: Re: Say Hi and Introduce Yourself
Post by: Guitarist on February 17, 2012, 01:51:27 PM
Hi, I'm Peter.
I like to create waves.
Title: Re: Say Hi and Introduce Yourself
Post by: Mr Mark on February 18, 2012, 05:12:26 PM
I'm Mark, and I figure I'm about 2 years away from FI so I can 'retire' at 50. Looking to manage the transition and study how to best acheive it.
Title: Re: Say Hi and Introduce Yourself
Post by: Grigory on February 18, 2012, 05:41:47 PM
Hi, I'm Grigory. (Kudos if you know how to pronounce it haha) Found MMM's blog after his guest post on ERE and have been an avid reader ever since. :)
Title: Re: Say Hi and Introduce Yourself
Post by: GG on February 18, 2012, 06:13:50 PM
Hi!  I am GG.  Reached FI last year retired for a while  and now I am enhancing the 'stache!  Married, 4 kids, 2 grandkids.
Title: Re: Say Hi and Introduce Yourself
Post by: mugwump on February 19, 2012, 09:47:53 AM
Hi, I am Milly. I also found MMM from GRS and feel it is a better fit for me. I did a hybrid early/part-time work retirement at 55, and have been enjoying life ever since. I live in CO not far from Longmont, and it's great to see a blog from someone close to home.
Title: Re: Say Hi and Introduce Yourself
Post by: dang on February 19, 2012, 09:50:20 AM
Hi, I'm Dan.  I'm years from FI, although much closer than before I found MMM.  Hopefully, I'm in the middle of a life changing experience.

I'm married, and have 3 kids.
Title: Re: Say Hi and Introduce Yourself
Post by: Melissa on February 19, 2012, 10:27:50 AM
Dang, I would love to know more about your plans.  I have had people tell me that there is no way to achieve FI with three children.  How old are you kids now and how old will tney be when you reach your goal?
Title: Re: Say Hi and Introduce Yourself
Post by: Melissa on February 19, 2012, 10:31:19 AM
I guess I should have introduced myself first. My name is Melissa and I am 37 years old.  I live in Ohio with my husband and three children.  We have a 9 year plan to reach FI, but I think with the help of MMM and this community we will hit that even sooner.

Thanks for getting this set up Mrs MM!
Title: Re: Say Hi and Introduce Yourself
Post by: Welmoed on February 19, 2012, 10:40:32 AM
Hi; I'm Welmoed (pronounced "VEL-moot". I live in Maryland with my husband; our two kids are almost grown (one out of college, one senior in college). Our financial picture used to be quite rosy but changed suddenly and drastically about ten years ago and we're still trying to recover from it. We're not in debt (that is, our obligations are less than our assets, but just barely), but need to stop the financial hemmorrhage that's still going on. I have a "money demon" that causes huge anxiety when bills come in; there's always the fear that there won't be enough to pay them. I need to make peace with my finances and hope to find some answers here.
Title: Re: Say Hi and Introduce Yourself
Post by: Landor n Stella on February 19, 2012, 08:50:40 PM
Hi, "we" are Landor and Stella, although usually it's just Stella that posts...

We're married, 2 dogs, debt load over 55k, living in the middle of Indiana. Goals include reducing debt to ZERO and then working to FI.
Title: Re: Say Hi and Introduce Yourself
Post by: Erin on February 20, 2012, 06:47:10 AM
Hi - I'm Erin. Just turned 30 - married - no kids - 3 adult step kids - future kids questionable. 10 year goal to FI so I can enjoy "retirement" with my much older manfriend. Currently paying off manfriend debt & attempting to learn to "invest".
Title: Re: Say Hi and Introduce Yourself
Post by: October on February 20, 2012, 07:00:50 AM
Hi, I'm October.

My partner and I found MMM this year and are working to pay off our loans by December and be completely debt-free by April of 2013.  Then we'll be concentrating on getting our finances together enough to be able to move from cold and snowy Michigan to sunny and warm New Mexico.
Title: Re: Say Hi and Introduce Yourself
Post by: Scoot on February 20, 2012, 07:55:16 AM
Hello. My name is Scoot and I am a recovering retail addict.

26, single, female, Chicago, office drone. Developed horrible spending habits in my teens, realized the error of my ways about two years ago. Paid off all my debt, but still have an absolutely disgusting credit score that will take ages to repair. Addictions include fast food / restaurant food, Target, and travel (especially to the San Juan Islands for kayaking and whale watching). But I'm saving approximately 70% of my take-home pay nowadays so I'm not doing so terribly - my money mustache is growing fast.
Title: Re: Say Hi and Introduce Yourself
Post by: Mercutio on February 20, 2012, 10:10:00 AM
hi, I'm Albert. I started reading MMM after hearing about it on ERE. I'm 24, fresh out of college, working, and contemplating a career in medicine. But I've always been interested in being financially independent, so now I'm reconciling whether I should just work and save or go back to school and tack on more debt to work in a profession that I have a passion for (and save more, after I get start working). I've decided against medical school as that is not the lifestyle (debt, lack of free time for family and friends), and am currently considering nursing, physical therapy, or physician assistant programs.

Thanks for making this forum and all the informative blog posts, Mr. and Mrs. MMM!
Title: Re: Say Hi and Introduce Yourself
Post by: madgeylou on February 20, 2012, 10:27:29 AM
hey y'all! my name is madge and i live in pittsburgh where i'm hustling to grow my business, working a day job, and caring for my elderly grandma. i have very little time outside of those 3 pursuits but that's OK for now!

i still have some student loan debt but have dug out of everything else ... right now i'm just in financial flux, trying to stash away as much cash as i can to buy time to get my business to the point where it can pay my bills. that's the first milestone!

thanks for putting these forums up, mrs. mm! really enjoying them so far.
Title: Re: Say Hi and Introduce Yourself
Post by: Two9A on February 20, 2012, 11:36:08 AM
Hi, I'm Imran and I have the weight of the world on my shoulders.

Perhaps not the whole world, but three houses' worth; currently just under £242k. The long-term plan, as with most of us here, is to pay that down a good while before it comes due, and then start building to FI. It could take a while, though...
Title: Re: Say Hi and Introduce Yourself
Post by: Rich M on February 20, 2012, 07:56:06 PM
I'm Rich,   <---that's my name.

I am retarded,

I mean retired.

I actually I'm not retired....I love my job.  But I want to see other views people have on what money means to them and what their goals are.

I live in Boulder, Colorado, Ride a Bike but live a modest lifestyle that many Boulder folks, as eco as they claim to be, don't seem to do.

Title: Re: Say Hi and Introduce Yourself
Post by: dinko628 on February 21, 2012, 12:49:20 AM
Hi all. Name's Brad (or dinko, for forum's sakes).

I graduated from college in May 2011 and was promptly greeted with ~$100k in loan debt. Hurrah! Luckily, I majored in Computer Science so I make a healthy salary, but I'm still working on eschewing some stupid decisions (e.g. a $32k sports car that I'm trying to sell, a stupid amount of credit card debt, posh and luxurious spending habits, etc.).

Finding the MMM blog has been a godsend - I know/knew pretty much nothing about personal finances, and I've never heard someone put it so obviously and matter-of-factly. I tell everyone I know about MMM.

I'll have a post in the Ask a Mustachian soon with some more details about my situation and what I can do to help. I sent MMM an email after discovering the blog back in late January, so it's all written up already. Can't wait to connect with other mustachians :D
Title: Re: Say Hi and Introduce Yourself
Post by: MsLogica on February 21, 2012, 02:13:26 AM
Hi!  I'm Millie.  I am 24 (for a few more weeks) and I live in the UK.

I don't have any debts (apart from student loans, but they're run differently over here to how they are in the U.S.) so I'm just looking build my capital and reach FI.  I've been reading FI blogs for a year now, and MMM is my favourite :)
Title: Re: Say Hi and Introduce Yourself
Post by: Mike Key on February 21, 2012, 04:47:06 AM
Welcome to the forums everyone!
Title: Re: Say Hi and Introduce Yourself
Post by: chrissyo on February 21, 2012, 11:10:03 AM
Hi! I'm Chrissy. I found MMM last year when he published a guest post on ERE (which I found through GRS). I really love the blog, because MMM writes in such a no-nonsense way.

I currently live in the UK with my husband, Mark, and will be relocating to the US this year. We are debt-free, but feel like we have a lot of room for stache growth before reaching FI.  Our combination of financial planning and luck has put us pretty far ahead of most of our peers, but I find the badassity of MMM and other Mustachians inspiring. It makes me question my own financial decisions more than I ever have before, and also often makes me think about things in a new way. 
Title: Re: Say Hi and Introduce Yourself
Post by: td on February 21, 2012, 12:01:01 PM
I'm td. I'm 21, working on graduating college so I can start building my 'stache.
I have zero debt and about 1.5 years of living expenses.

My goal is to own (i.e. no mortgage) my first property at 25, and completely financially independent by 30.
Other things I dream of are owning a franchise, owning an apartment complex, taking a trip to space, inventing something useful, building my own house (i.e. pulling out the hammers and saws, not hiring contractors. Never understood why people refer to that as building their own house) I may get married after I achieve the above.

I hope to glean lots of info and motivation from the forums, like I already have from the blog.
Title: Re: Say Hi and Introduce Yourself
Post by: Freedom2016 on February 21, 2012, 03:52:52 PM
Hi, I'm Stacy. Just found MMM after several weeks of combing personal finance & frugality blogs. I'm 38, married, and we're expecting kid #1 in two months. H and I have a long way to go to be worthy Mustachians (we've done okay in getting down to "good debt" only but we've frittered away a lot of cash on thoughtless consumerism). We've never considered the possibility of being FI before the usual retirement age, but it excites me! Looking forward to learning from this community. :)
Title: Re: Say Hi and Introduce Yourself
Post by: Erik Y on February 21, 2012, 04:17:19 PM
I'm Erik.  42 years old, married to my bride for almost 20 years.  We have six kids ages 4 - 18.  We live in Orange County, CA, but I'm always quick to point out that I'm not from here.  I'm still working and probably will be for a while, but we certainly plan and dream.
Title: Re: Say Hi and Introduce Yourself
Post by: MsLogica on February 22, 2012, 07:24:48 AM
My goal is to own (i.e. no mortgage) my first property at 25, and completely financially independent by 30.
Other things I dream of are owning a franchise, owning an apartment complex, taking a trip to space, inventing something useful, building my own house (i.e. pulling out the hammers and saws, not hiring contractors. Never understood why people refer to that as building their own house) I may get married after I achieve the above.

Wow, your dreams are epic!  Good luck with them all!
Title: Re: Say Hi and Introduce Yourself
Post by: td on February 22, 2012, 10:18:24 AM
My goal is to own (i.e. no mortgage) my first property at 25, and completely financially independent by 30.
Other things I dream of are owning a franchise, owning an apartment complex, taking a trip to space, inventing something useful, building my own house (i.e. pulling out the hammers and saws, not hiring contractors. Never understood why people refer to that as building their own house) I may get married after I achieve the above.

Wow, your dreams are epic!  Good luck with them all!

http://www.mrmoneymustache.com/2011/05/28/weekend-edition-the-magic-of-thinking-big/ (http://www.mrmoneymustache.com/2011/05/28/weekend-edition-the-magic-of-thinking-big/)
I also read the book and take it seriously. Thank you :)
Title: Re: Say Hi and Introduce Yourself
Post by: zinnie on February 22, 2012, 11:35:11 AM
Hi everyone, I'm Zinnie, late 20's and starting to get serious about early retirement. Parents always instilled good frugality/ savings/ investing values in me so I'm well on my way to a good 'stache but I didn't do the specific math and read about portfolio theory until just a year ago. Since I realized how easily attainable it is my husband and I have buckled down on expenses and are shooting for both being done with this 8-6 job thing by age 40. I'm in a position that is very often freelanced, so if I get a few more years of solid in-house experience I could be on my way to part time work from home even sooner.

I just started reading MMM a few months ago, and was thrilled to see the new forum! Looking forward to getting to know everyone better and getting some good advice. I will probably be posting some issues in the near future...
Title: Re: Say Hi and Introduce Yourself
Post by: fruplicity on February 22, 2012, 11:58:14 AM
Hi everyone,

I would love to see MMM's message change the world!

My money world view shifted quickly after college, I've been reading pf blogs regularly since 2006 and MMM soon after it was "born".

My spending has always been frugal but income has always been low by choice/lack of knowing what else to do. This plus student loan debt means FI is out of reach for a while, but always on my mind.

I try to concentrate on the small victories - Next month we're hitting a net worth of 0, up from -37,000 when I started tracking it three years ago! YES!!!





Title: Re: Say Hi and Introduce Yourself
Post by: shedinator on February 22, 2012, 01:40:01 PM
I'm Shedinator. Husband, Father, and Mini-Moustache extraordinaire. Also, I like pie.
Title: Re: Say Hi and Introduce Yourself
Post by: larsenju on February 22, 2012, 11:12:29 PM
Hello everyone!

My name is Justin, and after working my way through college, I am proud to say I am only lightly in debt.  Leading up to graduation I decided to devote all efforts to eliminating the debt that I hold, and I have been able to cut in in half over about 5 months. 

I found MMM in my research into methods of financial independence, and I haven't looked back!  I am walking to work, cutting food budget by eating more simply 5 nights a week and trimming the beer budget, and saving to build a small emergency fund before shifting focus towards investing.  Our debts should be gone around the time our first child shows up.  At that point my wife wants to stay home, but unless I can find a way to dramatically increase my income, we would lose our ability to save. 

I want to own a home, be debt free and retired within 20 years.  A lovely goal, I just need to find my way from here to there!


PS, as a home brewer I wholeheartedly encourage DIYing that particular indulgence. 
Title: Re: Say Hi and Introduce Yourself
Post by: DC on February 23, 2012, 01:31:41 PM
Hi
I'm DC, early 20's from south Europe (probably the only non-English native speaker around here).
I found MMM through ERE which I found a few weeks before it "ended".
I'm going to graduate soon so it was a blessing finding about PF so soon and devising my way to FI.
Title: Re: Say Hi and Introduce Yourself
Post by: kolorado on February 23, 2012, 06:00:04 PM
I grew up frugal, fascinated by consumer/money math and used to doing things differently than the herd of my peers. I'm not a stuff person. I don't care about impressing people with what I have. I don't mind if they're impressed with who I am or what I can do though. ;) I love to learn. I'd rather do than have, even if the doing is volunteering to clean up the park. I get a bigger kick out of helping than anything I could purchase.

I feel I should add that we are fairly low-income. FI is attainable for everyone at every income level and in nearly any situation. We're proving it. And we aren't deprived and living off ramen to do it. ;)
Title: Re: Say Hi and Introduce Yourself
Post by: The Money Monk on February 24, 2012, 02:54:05 PM
Hi Everyone.

I rocking onward on my journey toward self-sufficiency, Freedom, and financial independence.
I am turning 28 this sun (Feb 26th) with a goal of FI by my 40th Birthday.

I started a blog to track my progress, keep my self accountable, and share tips. If anybody wants to follow the journey, check out:

www.themoney-monk.blogspot.com


Title: Re: Say Hi and Introduce Yourself
Post by: tmspitz on February 24, 2012, 09:22:21 PM
Hi,

I'm Tara.  My husband and I are both teachers, live in NY (not city).  We have 2 kids ages 5 and 2.  we don't have much debt (car loan of 5k, student loans of 12k, and mortgage 120k), but are trying to keep going, and move to the next steps...

Title: Re: Say Hi and Introduce Yourself
Post by: biliruben on February 25, 2012, 04:13:36 AM
Hi all - 

I'm Cam.  Just quit my job, and hanging with my 5 year old this summer while I ponder my next move and usher him into Kindergarten. 

Would love to be financially independent, but live in Seattle, where large mortgages are pretty unavoidable.  Fortunately I have a hard-working wife.  We are both working on the frugality thing, but I'm not sure she is completely on board yet.  "The Talk" is a work in progress.  I figure if we can figure out how to break-even month to month on her salary, it will be much easier to work towards financial independence after I start bringing in some income again. 

Trying to figure out if I should: 

1) Try and make money opening a bike shop where my passion lies, or
2) Use this fancy degree I have to make the push to FI much more quickly but less enjoyably, or
3) There is some way to do both.
Title: Re: Say Hi and Introduce Yourself
Post by: Parizade on February 25, 2012, 12:02:38 PM
Hi, I'm Parizade and I was an ERE addict before following the torch to MMM. My goal is to retire "on time" in my 60s. I was doing pretty well before I got married, then deadbeat ex left me a mountain of debt and a baby to raise alone (Baby is now 6'4" and planning a frugal wedding to his sweetie).

I enjoy just about any outdoor activity, including camping.
Title: Re: Say Hi and Introduce Yourself
Post by: Sacadoh on February 25, 2012, 04:49:27 PM
Sacadoh here, a UK employee and investor. I love the website & many of the ideas it contains. I live in the UK and am slowly learning how to max out tax efficient savings, having started with ISAs & Pensions. VCTs next if I can figure out how they work.

I am 44 now & am on target for a 51 retirement, but this may be a challenge to to the arrival of a late third mini sacadoh last year.

NB I found 500 ml of baby shampoo in Morrisons for 9p this week.
Title: Re: Say Hi and Introduce Yourself
Post by: Mehitabelle on February 25, 2012, 06:14:45 PM
Hi - I'm Siobahn.

I'm married and live in Manhattan with my husband and 2 kids (15 and 11).  We have one income and homeschool our kids.  Our assets exceed our liabilities, but most of it is equity in an apartment purchased 20 years ago and about 300K in retirement funds.

We still overspend, and with our older child close to college age this is becoming more worrisome.  We've done a lot of cutting back but out big weaknesses are food spending and travel spending (visiting family in CA).

I enjoy the MMM website and am hoping to gain inspiration to further cut spending and generally just keep my eye on the prize.
Title: Re: Say Hi and Introduce Yourself
Post by: twinge on February 26, 2012, 07:44:05 AM
Hi,
I live with my husband and 2 kids (11 and 3) in the Washington D.C. area.  We currently both work full-time but have flexible schedules and can work from home so we also spend a lot of time with our kids.  We generally save about 30-40% of our income, but I have been noticing that as our jobs have gotten more stressful, we have started to drift away a bit from the environmentally, financially, and quality of life sound practices that we had developed for years and that we really value.  For instance, we used to rarely use a car, work for several months, take off several months etc.  Now our incomes are higher and more secure, we have consistent and good health benefits (very necessary due to a pre-existing health condition of our younger child) but the quality of life seems to be starting to drift downwards.  I'm trying to figure out ways to nip this in the bud and change directions, while still facing the reality that we need to keep  good health insurance and that the new economic climate and our larger family makes our former flexible contract approach to income less viable. So, in mustachian terms, we've shaved off a bit... and are seeking to regrow in a slightly new style.
Title: Re: Say Hi and Introduce Yourself
Post by: sol on February 26, 2012, 11:22:51 AM
I'm a 35 year old federal employee who sort of took his retirement up front and thus didn't start working until I was 31.  I spent my 20s travelling the world and being carefree and irresponsible.  And getting a PhD.

My wife and I now save about half of our combined incomes and provide a relatively lavish lifestyle for our two kids.  We both love our work and don't intend to retire anytime soon but are both drawn to the idea of achieving a financial status where work is an option and not a necessity to avoid starvation.  Due to our consumptive lifestyle, this is probably still 10 years away.

We rent one of the two houses we owned before we got married.  It pays for itself, but does not bring in much income.  Hard to sell it in this market.

I tend to mentally frame "financial independence" as "no longer in debt" because any standard of living you maintain that you cannot continue to pay for indefinitely without working means that you have obligated yourself to work in the future to support it.  You've borrowed from your future to pay for your present.  I call that debt.  Most of my friends call that a normal career. 
Title: Re: Say Hi and Introduce Yourself
Post by: Sir Sideburns 'Stash-a-lot on February 26, 2012, 12:05:38 PM
Hello, I'm Sir Sideburns 'Stash-a-lot (I know, what were my parents thinking doling out a name like that!?) and I'm an avid personal finance reader.

I love the writing here and the thoughtful comments.  MMM seems to have attracted a pretty interesting group of people and I look forward to learning from you all over the years to come.
Title: Re: Say Hi and Introduce Yourself
Post by: Chel on February 26, 2012, 05:57:53 PM
Hi everyone,
My name is Chel.  I'm 32, married with 1 child who is nearly 3 and live in So. California.  Though we are not striving for complete FI (yet), I have found this blog and comments very informative; it almost acts as my own support group.  Our immediate goal is to get our finances in order so when it is time for baby #2 I can stay home and create a slower paced, more enjoyable lifestyle for our family.
Title: Re: Say Hi and Introduce Yourself
Post by: Bakari on February 27, 2012, 08:48:07 PM
Why hello everyone!

My real name is Bakari Kafele, which is what I use in real life, but I often write things on the internet using the names Jacob Aziza, Lenard Simp, David Craig Hiser, and occasionally Robert Paulson.
I am also the BioDiesel Hauler (http://www.biodieselhauling.org/ (http://www.biodieselhauling.org/))

My entire life has pretty much embodied the compatibility of frugalness and environmentalism, although it never occurred to me to say it that way until a few years ago. 
Some examples are my tiny house and my temperature tolernace, which leads to using very little energy, my small scale DIY solar system, and my mileage improvements to my (biodiesel powered) truck.
I have instructables on all these and more: http://www.instructables.com/member/JacobAziza/ (http://www.instructables.com/member/JacobAziza/)

I found Jacob of ERE when a mutual fan of his and mine tracked me down on Facebook and suggested I look him up, which led to me meeting ERE Jacob in person soon after. I've been following MMM since his guest post on ERE.
I blog too, but not regularly, and not about any one consistent topic, which means I will never have a loyal readership:
http://biodieselhauling.blogspot.com/
Title: Re: Say Hi and Introduce Yourself
Post by: James on February 28, 2012, 09:52:56 AM
Wow, I leave for a week right after this forum is started and when I come back it's huge!

I'm up in Wisconsin, and am slowly changing my life from a "normal" consumer to an ERE type with low consumption lifestyle.  Got a ways to go, and have found that MMM brand of badassity is the perfect fix for my lazy ass.
Title: Re: Say Hi and Introduce Yourself
Post by: Kyle W on February 29, 2012, 05:15:10 PM
Hello I'm Kyle

I'm currently a student studying Child and Adolescent Development at the lovely CSUF

I did my part at started at a local community college.  My parents are quite mustachians themselves and saved up enough  money for my college education I should get out debt free, thank you parents!!

I don't have any debt but I do have a weakness for gadgets and buying stupid crap.

I currently run a small bookstore locally part time and love it, sales are fun.

I'm currently typing this out at our local Library that I rode my bike to, I was inspired by some of the recent posts so I I drank the medicine and I feel good. 

Also tried the raw oats in normal cereal, a little chew, a lot more filling.

Anyway that's me
Title: Re: Say Hi and Introduce Yourself
Post by: Aloysius_Poutine on March 01, 2012, 12:10:14 AM
Hey everyone, I'm 28, married, very close to having a first child, and very close to finishing my university degree here in Victoria, BC, Canada.

I've been awful with money my whole life. I've been in some form of debt continuously since I was 16 years old, when my parents lent me money to buy a dirt bike. I think they wanted to teach me a lesson about how it feels to be in debt. They probably didn't expect me to think, "this isn't so bad- and now I have a dirtbike!"

My wife came from a frugal family, while I'm from a family of high income spenders. She convinced me to start changing my ways, and this lead me to this whole financial independence idea.

I'm about $30K below zero on student loans, and I have a $175K mortgage on a condo, which I'll one day need to swap up to a house (around $500K).

I'm firming up my career path decision in the coming months. Regardless of what career I pursue, I plan to work for 15-20 years and live off the nestegg of 50%+ savings.

Anyway, nice to be here. I love learning the way of the 'stash!
Title: Re: Say Hi and Introduce Yourself
Post by: Daley on March 01, 2012, 01:34:35 AM
Howdy everyone, I'm a bit of an internet recluse and privacy/security fiend... been in IT for over a decade and looking to shift gears elsewhere, re-inventing my life as I'm going along on a shoestring budget. Married, no kids. Minimal debt excluding the wife's student loans (which still makes me break out in a cold sweat seeing).

I probably won't do much around these forums beyond occasional lurking outside of pruning and tending this particular mega-info-dump thread (http://www.mrmoneymustache.com/forum/share-your-badassity/communications-tech-isps-voip-cell/) I started detailing how to gut the living daylights out of your communications bills. Hope you all find it of use. :)
Title: Re: Say Hi and Introduce Yourself
Post by: Jarvis on March 01, 2012, 08:20:51 AM
Hi, my name is Jarvis.

I'm 26, married to a fantastic girl, and we have a chubby little 3 month old baby.  We're currently in San Francisco because I got a sweet deal on a well-paying job with living expenses and a work vehicle provided.  Needless to say, we won't stay in San Francisco when this I'm through with this job.

We've been working hard and saving since we graduated from college (she's a nurse, I'm a health physicist).  We're about a month away from hitting 200k net worth, which we're quite excited about. 

I don't have an exact date in mind for financial independence, but it's probably 4 years away.  We're planning to wait to have a second baby for about 4 years, and I plan to either work part time or not at all when baby #2 arrives.

I enjoy working out very hard.  I currently do the olympic lifts and barbell complexes for cardio outside in front of my house.

I also thoroughly enjoy modern boardgames, as showcased at www.boardgamegeek.com.

Mustachianism is my lifestyle, and I like it.
Title: Re: Say Hi and Introduce Yourself
Post by: orangeclocker on March 01, 2012, 08:36:50 AM
Hi, I'm 32, in a committed relationship, no plans for kids. My girlfriend and I both work in healthcare in Minnesota. We are aggressive savers and just refinanced our townhouse; we will have it paid off in less than 10 years, making FI shortly thereafter a very real possibility. We have a 27ft sailboat on the Mississippi (Lake Pepin) with plans to upgrade after the GF's school loans are paid off in a couple years. No debt besides the house and her school loans. The goal is to spend much of our retirement sailing - just not sure where yet.

We also very much enjoy motorcycling (well, she enjoys passenger-ing) and are in the midst of planning a 3 week late summer trip through the SW US.

I'm into photography (with a very anti-mustachian addiction to buying lenses), swimming, biking, running, snow sports, and making things with my hands...wine, food, woodworking, mixed media art, roasting coffee, etc.

I stumbled upon MMM after stumbling upon ERE not long ago. Looking forward to insightful posts and discussion.
Title: Re: Say Hi and Introduce Yourself
Post by: K on March 01, 2012, 01:24:35 PM
Hi! I found the forum this week after I was searching for solutions to my habit of spending money. The Mustachian philosophy sure did the trick! I had never thought about "retiring" from my 40/week computer job -- now, I have been inspired to make this happen before I have kids!
My wife and I already practice many of the Mustachian ways, but I am seeing many more things we can be doing to maximize our 'stache.
In the spirit of Maximum Mustache March, I have challenged myself to ride my bike every day -- even in inclement weather.
Title: Re: Say Hi and Introduce Yourself
Post by: ultrarunner on March 01, 2012, 09:38:29 PM
Hey All!

I'm Chris, live near Boulder, CO  (seems a few others are also in the area... great to see we aren't all the stereotypical Boulder trust-funders!). 

I like to run 50 and 100 mile trail running races (ultramarathons) for fun, hence the username.  My parents apparently dropped me as an infant.  Repeatedly.  :)

I stumbled across the "True Cost of Commuting" article a few months ago and it really resonated with me.  Been hooked ever since.

  - Chris
Title: Re: Say Hi and Introduce Yourself
Post by: redeyedtreefr0g on March 02, 2012, 08:26:09 PM
Hi, I'm froggy.

I am a 27-year-old girl working as a school bus driver, a job which I generally love since answering that radio advertisement 3 years ago.
I left high school with dreams of becoming a pilot, and unfortunately lived close enough to one of the top aeronautical schools in the world to actually act on that dream. I also had my future-husband (3 years younger) at the time I graduated high school, and I lived with him and his family since wearing that cap and gown.

Given the choice, I'd have never gone to college. It was one huge long period of stress and craziness, and not just from family issues. Trying to work as close to full time as possible while also going to school full time with a 5 hour block of flight time set in the mix as well... it's a wonder I didn't do something stupid like crash a car due to fatigue. In any case, I ended up not being able to hold to the strict teaching methods required of flight, so I ended up with a bachelor's degree (because I'm stupid/stubborn and wouldn't quit) in general Aeronautics, with minors in Aviation Safety (my choice) and Aeronautical Studies (those pilot classes with no certifications to go with them). I have no idea what to do with that.

I now have somewhere in the neighborhood of $187,000 in student debt, and am doing nothing to pay them off. I was out of work for a very long time due to living situation after getting my degree, and when I did get a job and tried to contact loan people to make payments, they all wanted $200 a month EACH and I only made $4-500 a month. I stopped communicating with them at all...


My husband and I have been on our own a few times, but always ended up back with family. One time it was an emergency to support his mom after she found her boyfriend, and his dad finally understood that she seriously didn't want to be with him (they'd been divorced since I met my husband) and stopped paying for her to live where she was. Another time we needed help and moved in with his grandfather. Then we moved out on our own, and jobs got messed up. We moved in with my mom to mutually (theoretically) help each other out with decreased costs. Mom lost the house and we were all evicted...

It just seems like a good idea to live with others, but then somehow we never actually save anything that way. But when we are out on our own, it seems like the income is just barely enough to cover bills, or maybe it's really not and the credit card just hide it well until the lease is up, exactly the same way.



Right now I am working, and my husband is not. He had major trouble finding work out here once we moved from Florida to Oregon. I was able to just step into my position from one county to the other, while it seems that everything he is able to do is a field where licenses are required... for whatever reasons he hasn't found permanent work.

He decided to go to college to get the paperwork to back up his considerable skills in business (he was always considered too young to hold a management position, which I know he would absolutely excel at), and perhaps move from that to a culinary degree as he has a passion for cooking and some dreams of owning or running a restaurant. I'm paranoid that he'll dig himself a hole similar in shape, if not the size, of my own. We used excess financial aid to repair our car (1995 Chevrolet Caprice 9C1 decommissioned highway patrol car, we also have his first car a 1980 Camaro) and pay down some credit card balances.

With me having no income over the summer, paycheck money withheld last year (to ease the gap between May and August), that paid for our move, did not last very long. We are staying rent-free with the friends who attracted us to Oregon in the first place, but we felt the need to not be leeches and paid for groceries and such on credit, even when we had no money coming in. Our balance on the cards is a little over $5,500, 81% of the total credit available, and I don't like it.

To make matters worse, we realize that we don't like this tiny little town, and will be moving again, this time to try Colorado in Longmont. My whole immediate family followed "the grandchild" to a couple hours from there also, but that isn't why we are going there, just a perk (I'll be close to my TWIN again, squeeee!)

I'm worried like never before, because I know I won't have an income (from my desired job) over the summer, we won't have extremely nice friends to put up with us for "free", it'll be somewhere near $800 to move, and I have no idea how we can manage all that especially with credit cards so high. My husband manages the money so I'm sure he has a plan, and somehow it will "work out", but that doesn't help my anxiety about the whole thing.

So yeah, there's my long introduction in written form, and I'll go back to lurking...
Title: Re: Say Hi and Introduce Yourself
Post by: Osprey on March 03, 2012, 01:56:00 AM
Hi everyone!
I'm Osprey and I've been lurking since the True Cost of Commuting article. I am also demonstrably dense because a few months after that I signed up for a 40-minute commute. It's all sinking in though and I have been making changes. This forum is great when I can limit my time on it...
Long live Mustachainism!
Title: Re: Say Hi and Introduce Yourself
Post by: sulaco on March 03, 2012, 08:45:51 AM
Howdy,

I'm Jon, 30, currently living in Seattle with my wife of well over six years. Sometime in the next few months our son will come home - we are waiting for him to receive an exit visa so he can finally have a permanent home.

I have given our family a goal to be FI by February 1st, 2018. It's definitely a stretch goal, but is mathematically possible :D

This summer I got into stock trading, then read Consumer Detox. I liked the idea, but not the book - I found Jacob's blog posted on hacker news one day and came across MMM a short time later. I really liked the case studies because it allowed me to measure my own spending habits, as well as get several tips along the way.

My wife has had this ability since birth - she generally won't spend an penny more than necessary. She's still sceptacle that we can replace our income with passive sources within the next six years, but happy that I've become allergic to spending money.

Since finding MMM I've read Debt is Slavery (a nice short intro), Your Money or Your Life (a textbook for sound financial living), and I'm working my way through ERE (the nitty, gritty details).

For the first time in my life I feel like I have all of the "stuff" I need (too much, actually). Interested in growing my dollar follicles into an impressive 'stache.
Title: Re: Say Hi and Introduce Yourself
Post by: Gerard on March 03, 2012, 09:07:49 AM
Hi folks,

I'm Gerard. I live in Newfoundland (the far east of Canada). I grew up cheap/poor, but spent many years with a non-frugal spouse. I'm in the midst of paying off a lot of back debt, which combined with pay increases should leave me able to retire in about 5 years (aged 57). But I love my job (university professor), which I started late in life, and I might stick around longer.

Speaking of which, I can't imagine the stress involved in carrying over $100K in student loans. Folks, please consider university in Canada, or at least think about moving to go to school! Graduate tuition at my university, for non-Canadians, is $632 a semester.
Title: Re: Say Hi and Introduce Yourself
Post by: kaeldra on March 04, 2012, 02:08:31 AM
Another Seattle-ite here (transplanted from SF Bay Area) - I'm Tracy, a 26yo graphic designer working at an environmental consulting firm. Minimal debt and a good bit of savings currently, but thinking about buying a house soon... although me and my partner's dream is to build an off-the-grid earth-sheltered house in the Cascades - as soon as we can either not work or work from home. I love hiking, digital painting, photography, and beading. Looking forward to sharing the journey to FI with you all!
Title: Re: Say Hi and Introduce Yourself
Post by: MountainMan on March 04, 2012, 09:15:22 AM
I'm the MountainMan.

I don't live anywhere near the mountains, but I'd like to someday.

Aiming for financial independence within 10-15 years.  Sooner if I can manage it.
Title: Re: Say Hi and Introduce Yourself
Post by: Rich M on March 06, 2012, 06:57:23 PM
I'm Rich(ard) and ride a bike in Boulder, CO.
Title: Re: Say Hi and Introduce Yourself
Post by: Imperator on March 07, 2012, 10:08:07 AM
Hi!

I'm Imperator. PhD student in the UK. Very frugal. :-)
Title: Re: Say Hi and Introduce Yourself
Post by: LalsConstant on March 08, 2012, 07:22:27 AM
Oh, an introductions topic.

Let's see, I'm a 30 year old recovering idiot with 2 college degrees, no debt, small savings, and a life goal of saving 20% of everything I make in tax deferred space, saving another 20% after tax to pay cash for cars and real estate and surviving the zombie apocalypse, giving 10% away to causes I care about, and living on the last 50%.  This isn't quite what early retirement people do but it's similar.

I am... not even close to that goal , but I'm doing way better on all of these goals than I was 8,4, even just 1, year ago.  After factoring in the effects of taxes, I'm something like 11%, 9%, 0% and 80% on those proportions!

But baby steps people, I've just barely learned to not have debt after all.  Fortunately I'm single so no one has to suffer my foolishness but me.

Annual income currently in mid 40s, but for most of my adult life it's been around the low to mid 20s.

Anyway  things about myself: 

I'm a pessimist, as I question everything from whether I've in fact read an actual account of a truly, well funded 30 something year old retiree who didn't have an 8+ figure net worth, to the wide spread assumption growth stocks return 12% a year regardless now and forever, that you can look at a P/E10 ratio and magically know how that investment is going to perform in the future, to how early retirees can be so negligent in planning for the inevitable zombie hordes shambling through the streets and countryside.

I look at the early retirement community, small as it is, as being two degrees of magnitude above my current level of badassity.  I believe in a concept called strategic stretch, and I try to implement it by looking at what other people are accomplishing, and then saying how can I bridge the gap between what I'm doing, and what they're doing, and maybe get closer to being better than they are.
Title: Re: Say Hi and Introduce Yourself
Post by: SMC on March 08, 2012, 07:58:28 AM
Hi I'm SMC.  I found MMM through ERE and read every article in less than a week.  I found that i could really relate to MMM, it turns out I have a lot in common with him.

I'm a civil engineer in Alberta, Canada.  I'm 24 yrs old, my goal is FI by 40.  My passion in life is mountain biking, which isn't exactly the cheapest hobby, but it makes me happy!

I should add that I never even thought of early retirement until I read ERE/MMM, I always just assumed I would be working until 65.  However I don't particularily like working everyday, and I'm already a pretty frugal person, thus the idea of ER quite appeals to me.
Title: Re: Say Hi and Introduce Yourself
Post by: CNM on March 09, 2012, 11:25:16 AM
Hello, I'm CNM. 

I'm not FI, but getting there slowly.  My spouse and I paid off my student loans yesterday ($60K) but we still have our mortgage (~$200K) and another $25K of the spouse's student loans to pay off.  AND we are expecting our first kid in August. 

Former Boulder resident.  Current Santa Fe resident.
Title: Re: Say Hi and Introduce Yourself
Post by: tjt on March 11, 2012, 11:46:45 PM
Hi I'm TJ and I live in San Francisco.  I found MMM and ERE through a comment on Get Rich Slowly.
I've made a lot of mistakes in my life but I'm sure it could be worse.  The thing that bothers me the most though is how much time I've wasted.  That's part of the reason ERE and MMM appeal to me.  I can at least repair the damage asap. 

I'll be posting for advice on cutting spending and finding better paying work/more work.

Thanks everyone for all your great posts!
Title: Re: Say Hi and Introduce Yourself
Post by: nz on March 12, 2012, 02:31:12 AM
Hi, I'm 47 and hope to semi retire by the end of this year.
 I'm a teacher in New Zealand and live on a couple of acres on the edge of a provincial city. I have a pretty serious vege garden,chickens,pigs and a cow(beef not milk). Love reading peoples stories on their way to financial independence and nice to know there are kindred souls throughout the western world.
Came to MMM via ERE.
Title: Re: Say Hi and Introduce Yourself
Post by: nolajo on March 12, 2012, 04:29:12 PM
I'm a 24 year old indentured office servant in New Orleans. It's been about three years since I graduated college, and while I'm not thrilled with my day job, I am thrilled that my net worth is now about -$6k. While it'll be a bit before the student loans are actually paid off (that net worth calculation includes some retirement/investments/savings), I'm pretty pleased, since I started about $35k in the hole. That only represents saving/paying down debt to the tune of about 40% of my net income, but I'm getting there.

I do enjoy reading some personal finance stuff, but never got all that into ERE. I actually found MMM after Lifehacker posted his article about being hungry (if memory serves). Now, I've got to say that it's my favorite PF site, barring the occasional article at Get Rich Slowly. The combination of financial security, regard for the environment, and encouragement of bad-assitude really works for me.

My post-college 'stache has been growing a bit based on a few things:
- I live close to work and bike most days (I haven't actually bought gas in a month!)
- I've added a second job that I actually do enjoy
- I managed to slash my electric bill by about 40% this past month by womaning up and turning the heat off
- I've mostly managed to adorn my home and myself on a shoe-string, leading to great surroundings without consumer debt!

My biggest pitfalls are:
- Number one biggest - I like living by myself. I had a couple of bad Craigslist roommates and had no desire to do that again when no one I knew/liked needed a roommate when I needed to move.
- Eating out/take out. I'm happy to cook with a friend, but the day to day drudgery of it has never been great. I'm currently trying to figure out a system that works for me to reduce my eating out.
Title: Re: Say Hi and Introduce Yourself
Post by: NoviceMustachian2012 on March 14, 2012, 06:08:05 PM
Hi, I'm Toms. I'm unemployed, have debt up to my eyeballs and just joined this awesome and epic forum. Hope to learn the Mustachian ways.
Title: Re: Say Hi and Introduce Yourself
Post by: jwystup on March 15, 2012, 07:13:18 AM
Wow, there are a lot of posts to read. I have to admit, I didn't read them all...

Hi, I'm Jen and I'm 26. Last year, I got a new job (one I don't hate, same field though) an hour from my hometown. Bought a house 2 miles from the new job (squashing that commute). I found MMM when the article about how much a commute costs you was posted on lifehacker (very relevant!). I recently started riding my bike to work, this week it has been every day since we have amazing weather. I have some fenders ordered so that I can ride in the rain too!

As far as spending habits go, I've always been responsible with my money. I had a budget from the time I had to pay my first bill. But I always spent all of my money. Even when I started making a professional salary, I spent it all after paying the bills, keeping a small savings cushion. Now we're (me & live-in boyfriend) working on cutting out waste and saving money where we can, simply NOT buying things we don't need has saved so much! I recently paid off my car and the money that was going there is working on paying off student loans. I also have that new mortgage to work on.
Title: Re: Say Hi and Introduce Yourself
Post by: colbiwon on March 17, 2012, 07:00:12 PM
Hi, Jedi Master Colbiwon here, just found the MMM blog a couple of weeks ago through the comments over at the Get Rich Slowly blog. 

Get rich slowly has been a huge motivator for helping my wife an I get out of debt, but I haven't even been over there since I found MMM.  I had to read everything from the beginning, and I just finished today.  I have to say that MMM's straight forward, no nonsense approach is refreshing.  I am so sick of peoples complainy-pants attitude about how all there financial problems are someone else's fault.

MMM keep laying down the law.

Master Colbiwon.
Title: Re: Say Hi and Introduce Yourself
Post by: spacecoyote on March 19, 2012, 01:52:48 PM
Hi everyone, I'm Nick - a 26 year old software engineer from central Pennsylvania. I've been a bit of a lurker to the MMM blog for a few months, trying to soak up as much knowledge as I can so I decided to jump into the community here as well.

My wife (a high school spanish teacher) and I have been discussing some ER possibilities of late due to high stress levels at her job and lackluster opportunities at mine. We're generally pretty good with not buying excessive stuff but could definitely do better to supercharge our 'stash. Our goal is to be mortgage-free in about 4 years, which is a little far-fetched but not altogether impossible. After that, we want to save up for a B&B in Costa Rica :)
Title: Re: Say Hi and Introduce Yourself
Post by: FactorsOf2 on March 20, 2012, 08:02:37 AM
Hey All!  Sonya here. I'm also acting as proxy for my DH David.  We're both PhD students in CT (Physics and Statistics, respectively).  Can't even remember how we stumbled across MMM, but were instantly hypnotized by the spinning mustachioed money on the header turntables. 

We just passed the debt=0 mark and are now putting away hefty savings even while those around us bemoan the impovernished state of graduate students. "Wake up people, 30k/yr/person is a shit ton of money!"

Nice to meet you all :)
Title: Re: Say Hi and Introduce Yourself
Post by: Hamilton Beachbum on March 20, 2012, 12:02:56 PM
Hi all

I'll summarize the boring details:
-37 years old
-married to my beautiful wife
-stable dual income both in IT
-no kids, no intentions
-paid off primary residence
-rental property with a small mortgage, will be paid off Apr 2015
-migrated here after discovering Jacobs site
-late start realizing FI is possible, so we estimate about 7 years until we reach the goal
-I enjoy beer, bowling, chillin' on the beach, and the company of my great friends and neighbors

I'm here to learn some Mustachian techniques and to share some of my ideas.  I have come to realize that I was born with basic Mustachian instincts, but MMM and Jacob really helped me get the whole picture straight in my mind.

I'm looking forward to contributing to the forums!

HBB
Title: Re: Say Hi and Introduce Yourself
Post by: Economically Humble on March 20, 2012, 05:11:43 PM
Hi All, I've been reading mr money mustache and think really great.  I sold my SUV about a year ago and now ride a bike... I'm in better shape and my bank account is thanking me.  I still have much to learn and I'm tracking my own experiences and thoughts over at EconomicallyHumble.com, a fledgling site.  I hope to get to know some of you in the years to come! PB
Title: Re: Say Hi and Introduce Yourself
Post by: kudy on March 20, 2012, 09:04:35 PM
I'm afraid that I won't remember all of you, but I tried to match details to names/faces ;)

I'm Kevin, 29, in Northern Colorado; I have no debt, and very little savings so far. I'd love to soft-retire by 45.
Title: Re: Say Hi and Introduce Yourself
Post by: gangr on March 22, 2012, 08:29:20 PM
Hello everyone.

I lurked around ERE and have read Jacob's book a few times. I am married to a wonderful women and we are foster/adoptive parents so, while I do have kid(s), the number has a tendency to vary. I would consider my level of Mustachianism to be "cleanly shaven," but we hope to pay off my wife's student loans this month and will only have our mortgage and stache to focus on in the future. My formal education is in accounting, finance, and management, but I still don't know what I want to do when I grow up. 
Title: Re: Say Hi and Introduce Yourself
Post by: PaulTecumseh on March 24, 2012, 01:05:54 AM
Hi I'm Paul and I'm from Tucson, AZ. I'm 25, single, and have one awesome daughter who is about 15 months old. I found this site back in January and I have greatly enjoyed reading and learning as much as I can from it. I'm nowhere near most of the people I see on these forums when it comes to careers/education/investments because I have little to none to speak of. However, I am excited to work my way towards all of those things and earn as much time as I can with my daughter and the rest of my family.
Title: Re: Say Hi and Introduce Yourself
Post by: Brotherbryan on March 24, 2012, 09:51:31 AM
I'm Brotherbryan.  Working towards FI because love freedom in general. Slave to none.

B.
Title: Re: Say Hi and Introduce Yourself
Post by: cdttmm on March 25, 2012, 07:37:27 AM
Hi all -- I'm cdttmm.  I've been an avid reader of all things personal finance related for the past 8 years.  Love MMM and have been following since the beginning.  Been hanging out here on the forums but haven't been posting much yet.  I reside in lovely New England with my partner, 3 dogs, and 2 cats.  I retired for the first time at 36, but have since returned to work for a start-up.  I'll probably try to retire again sometime around age 45, but I don't expect it to take.  :-)
Title: Re: Say Hi and Introduce Yourself
Post by: YoungAndWise on March 25, 2012, 06:22:04 PM
Hello, I am Willis.

Nothing unusual about-16 high schooler, deep south, and I just came over from Early Retirement Extreme.

Title: Re: Say Hi and Introduce Yourself
Post by: Blaise on March 25, 2012, 08:55:51 PM
Hello all. I'm blazini (real name Blaise), a 30 year old CPA currently working as an accountant for a real estate company in Northern New Jersey.  Contrary to popular believe, not all accountants do taxes.  I have a wife (27 yo school social worker) and a daughter (1 month old, unemployed), and want to have at least two more kids in the future.

Our financial situation: $130k per year combined salary (holy crap that's a lot of money!), $67k in student loan debt, no mortgage yet since we rent(ed). Once the baby was born we moved in with my wife's parents to save money, and share food and household expenses with them. 

Our goal is to have one of us quit their job and stay at home raising our kids, and then pay off student loans, get a house, pay off the mortgage, build up a stash, and retire in 10-15 years.

The biggest obstacle to this, in my opinion, is the high cost of housing (including property taxes) here in NJ. As MMM pointed out in one of his articles, a typical 2,000 (or smaller) sq ft fixer upper home in this part of the country can run around $400k easy, and property taxes are $12k or more a year. Perhaps I'll convince my wife to relocate somewhere less insane, but for now we'll keep on trucking.

P.S.  Love the site, found it from the comments section of GRS. Rock on fellow Mustachians!
Title: Re: Say Hi and Introduce Yourself
Post by: C99 on March 26, 2012, 01:33:04 AM
Hi,
I'm going by "C99", just started reading MMM and ERE a couple weeks ago and it's all just blown my mind.  I'm 49, been working in IT with a good income for 25 years, no kids.  If I'd paid attention to this stuff earlier I'd be FI already.   I've been just a little too careless with both expenses and investments.  I read Your Money or Your Life back when it was new, but since it was all based on getting a guaranteed 8% on treasury bonds, I just assumed early retirement wasn't possible any more except for those who luck out on stock options or have truly gargantuan incomes.  Boy, reading about the lifestyles of the smart and frugal has been really eye opening! 

I'm working my way through the ERE book and the archives on both sites and starting to track my savings & expenses.  I also started cleaning up my financial house by moving savings out of money market into stock and bond funds.  I had the vague idea that those types of investments were just too risky nowadays, so I've been earning just about zero on big chunks of my savings for years. 

I picked a goal date for FI of 2017 at the latest, since that will make 30 years working anyway.  I hope I can hit it sooner, but the health insurance thing may be the blocker for me.  I'm unlikely to be able to purchase insurance due to pre-existing condition.  Hoping the upcoming 2014 changes will help with that.

Looking forward to learning more and connecting with like-minded folks.
Title: Re: Say Hi and Introduce Yourself
Post by: Kriegsspiel on March 27, 2012, 01:47:41 AM
Hello.

I wanted to wait until I read the blog from the beginning before I registered on the forum (also, I didn't notice it).  Anyways, I am currently a Captain in the US Army, and hopefully will be getting off active duty in a couple months.  You could say I am still a noob to the world of personal finance, I used to just not really care how much money I had, whether I had a budget, or anything like that.  I started a Roth IRA when I was deployed to Afghanistan, and just thought transferring my money into the account would make something happen, I didn't even know I had to pick stocks to buy!

Luckily, I have never been a big consumer, so I have no debt except for a 2% loan from USAA that I'm still paying off.  Unfortunately I also bought a new 2011 BMW 328i after I got back from Afghanistan.  I bought it cash, so I am not paying it off, but I wish I hadn't.  Having a nice car is too much pressure :)

My plan is to start budgeting/saving more, time now.  My goal now is to live on about $19,000 a year (roughly 25% of my income), which seems very doable after reading for a while.  When I get back to the US, I am going to put the BMW up for sale and get a more economical car that I'd feel more comfortable driving.  I don't have a job lined up, so I will move in with a friend and do some part time work until I'm hired somewhere.

SO TL;DR version: I am new to the whole thing, despite not being 22, I'm still pretty optimistic.
Title: Re: Say Hi and Introduce Yourself
Post by: veronica mars rover on March 27, 2012, 08:08:38 AM
Hiya, here's my stats:

- Late twenties
- Married
- Young kids
- East Coast
- Graduate degree, but not having a lot of success breaking into my field (and laid off almost two weeks ago).
- In so. much. debt.

I'm on the fence about making some radical life changes so that I can manage my debt and start sleeping again. 
Title: Re: Say Hi and Introduce Yourself
Post by: Mrs MM on March 27, 2012, 10:23:26 AM
Welcome everyone!!  I love reading these introductions - it's great to see people coming from all over with all kinds of different situations.  Awesome!
Title: Re: Say Hi and Introduce Yourself
Post by: zemblamatic on March 27, 2012, 02:10:37 PM
- Mid 30s from the UK
- Software person in our beloved financial services sector (boo!)
- Married with several children

Found MMM through ERE and various UK personal finance blogs after cold-sweat moment realising I had no plan or particular provision for the future. Time for a plan.

Title: Re: Say Hi and Introduce Yourself
Post by: chamboo on March 30, 2012, 08:34:35 PM
Hello,

I'm a self made millionaire at age 29, and while I'm extremely frugal (and enjoy it), I have shamefully lived the other side as well (though thankfully short lived).  I am now looking to find more fulfilling work and investing ideas.  Thanks for having me.
Title: Re: Say Hi and Introduce Yourself
Post by: HumanCalculator on April 01, 2012, 10:03:48 AM
I'm the HumanCalculator,

I work with numbers and IT. Had a mustache at square 1, met a girl, shaved the mustache, lost the girl, moved across the country, rediscovered myself, was jobless for a few months, accumulated 12k debts, moved back to square 1, met a great partner, spent too much,discovered MMM, paid off debts in 3 months, growing a mustache again, will be moving in a house together, feels this is gonna be a challenge for my mustache.

I also love cake.
Title: Re: Say Hi and Introduce Yourself
Post by: KimPossible on April 02, 2012, 06:51:07 AM
Hi, I'm KimPossible.  I'm 38, married with two kids.  Work full-time and have one side business and working on starting another one.  My (full-time) career is sucking the life out of me, and I don't expect that to improve in the future.  As a result, I'm paying down our debt as fast as possible and trying to create alternate income streams.

The good news is that I make a lot of money.  The bad news is that we owe A LOT of money.  It's all tied up in our house, aside from some student loans I owe the parents.  We don't have any credit card debt.  Unfortunately, we remodeled our house several years ago, and it turned into an epic project.  (A very expensive one.) 

I got interested in simplicity and decluttering a few years ago, which led to a significant lifestyle change.  I've always been interested in personal finance, but the change to a simpler life was the best personal finance change I could have made.  I stopped shopping for fun several years ago, we don't really eat out, and I've discovered the fun of thrift store shopping for clothes for myself and the kids. 

My goal is to pay off the huge debt, reach FI, and quit the day job.  I'm looking at a few years until getting there, but I'm hoping that the other income streams will help.  I discovered MMM a couple of weeks ago and have read through all of the posts.  They've been a great kick in the pants!  Thanks, MMM and Mrs.MM--you've been a great inspiration already :)

It's nice to meet you all!
Title: Re: Say Hi and Introduce Yourself
Post by: FI@2022Jem on April 02, 2012, 02:34:24 PM
Hi,
My name is Jennie.  I am 25 and married (husband age 40).  I am finishing a masters in social work in a month.  Husband owns a small business, makes enough to get by and never wants to retire.  My goal is to reach FI then continue to work on my own terms.  We have a small condo and a rental property with positive cash flow (2 morgages).  I have about 30,000 in student loans and slightly more in retirement.  Husband has only recently started a roth and views the rental as his retirement.  I have been hooked on personal finance for about a year and found MMM last week.  i'm so excited to be here!  thanks for the community!
Title: Re: Say Hi and Introduce Yourself
Post by: Mr. Tiny Stache on April 03, 2012, 06:38:14 PM
Hello everyone. I am a 35 year old software geek living in Seattle, WA with my wife. I am a relatively high salary earner, although that is a more recent phenomena. I spent most of my twenties working in non-profit before going back to school for a Computer Science degree and the software career that followed. In the last 5 years my income has increased approximately 650%. I have made some smart decisions, like paying down debt. Unfortunately I have not kept a tight hold on my expenditures and I did not spend a lot of time looking ahead.

I have been a reader of mrmoneymustache.com for some time but have only recently decided that financial independence is a major goal of mine. I am just starting to take steps to reduce our expenses and build up my stache (hence I am Mr. Tiny Stache). It is very daunting. Without some major reductions in living expenses or some radical increases in income I am looking at a 15 year road. Not sure that still qualifies as "early retirement."

I have a number of challenges to navigate as I pursue FI. I am currently a renter. My wife and I plan on having kids soon-ish. While most of my debt is gone there is still an appreciable amount of student loans in the family (currently deferred while my wife finishes her Phd).

I'm still sorting out what I want to do once I hit FI. It will probably be similar to what I do now but with my own agenda. I might not even quit the day job but instead renegotiate the terms.
Title: Re: Say Hi and Introduce Yourself
Post by: Blindsquirrel on April 08, 2012, 06:28:32 PM
  Really like your site. I am 44 years old, married, we are DINKs but have 3 awesome cats. Live in the semi sticks of Ohio. I made many mistakes in finance but we are doing way better than. Have been on the frugal side all my life and am looking for the freedom and security of being in a bullet proof financial situation.
Title: Re: Say Hi and Introduce Yourself
Post by: gooki on April 11, 2012, 05:01:18 AM
Hi I'm Dave from New Zealand.

31, married (awesome wife, with a frugal streak), one kid and a second on the way, currently living of one income.

We are debt free, own our own home, have paid off both student loans, yet reading MMM has helped me focus on what I want to achieve in life. I have fond memories of having my father around all the time when I was younger, as he took seven years off work to build a boat in our backyard. I want to do the same (not build a boat), but be home for my kids when they get home from school, be around on the weekends, and be able to afford to take long holidays with them.

Living in NZ means not all the numbers posted on MMM are applicable, but the attitude sure is. And owning some shares in a US listed company (the one I work for), keeps me interested in US economics.

PS as  user interface designer, a bone in my body twinges slightly every time I visit this site. I hope as the popularity grows a few resources can be spent making the visually appeal as awesome as the written content is.

PPS I'm a hoarder - I have a problem buying audio equipment, and electronic gadgets. I've managed to stop buying new things, and it's now time for me to take the next step and sell my existing hoard that is never used.
Title: Re: Say Hi and Introduce Yourself
Post by: Lex on April 12, 2012, 03:20:25 PM
Hi,

My name is Lex and I live somewhere in continental Western Europe. Late thirties, married, two kids, job that pays well. Despite my more or less poor upbringings I worked my way through university and got interested in the whole frugal movement out of sheer necessity. Dollar stretcher, Amy D., YMOYL and recently MMM and ERE, the works. Managed to avoid the biggest financial mistakes, also thanks to my wife who has never read any frugal literature but who comes from a farmer's family where being frugal is ingrained in the DNA.

The time not spent working or with my family I read, ride my bikes (not simultaneously) or study foreign languages, although I notice that the older I get, the harder it becomes. I tend to mix up the languages I acquired after childhood.

In a couple of months we might be moving to another part of the world, which might be the subject of a new topic to get some input.

I don't have any plans to reach FI in the near future, although I might change my mind in a couple of years. I love my job, even with its ups and downs, but I get this ridiculous amount of European vacation so I have more than enough time to enjoy life.

The MMM blog and forum are great and provides some real things to think over, although not everything applies to the situation here in Europe. There are, as far as I know, no blogs or sites of similar quality on this side of the Atlantic.
Title: Re: Say Hi and Introduce Yourself
Post by: CatM13 on April 16, 2012, 07:05:46 AM
Hi! I'm Cat. I'm 34, married and have a 6 year old. We've made some bad $ decisions in the past, but we are trying to learn from our mistakes and we are closer now than ever to having no debt (except for the mortgage). Everything else should be paid off by the end of the year :). I found this site through ERE and I like the tone better. I finally finished reading through all the posts and decided to check out the forums.
Title: Re: Say Hi and Introduce Yourself
Post by: Phundit on April 17, 2012, 03:24:43 PM
Hi there!

Neophyte Mustachian checking in. Here are the vital stats:

*Age: 24
*Gender: Male
*Location: San Diego, CA
*Occupation: Lesser IT Nerd
*Dependents: None
*Debt Status: Debt free as of March 2012 (some trust loans remain, with 0% interest--doesn't count)
*Current Objective: Build up emergency fund
*Next Objective: Buy a house while the market is down

I've been diligently fighting the rice-and-beans battle against student loans, but only recently found MMM and decided to pursue FI.
Title: Re: Say Hi and Introduce Yourself
Post by: Guardian on April 17, 2012, 06:35:06 PM
Hi,

I am Jason and I'm a 22 year old living in the Phoenix Metro (Arizona). I haven't figured out what I want to do with my life career/job wise and that's my biggest source of stress. I'm a runner (anything from 400m to running Ragnar Relay(200+ mile relay race)), have an amazing girlfriend who I plan to marry when the time is right, and I'm a very curious, analytical person. I'm nearly 20k in debt from trying to figure out what I want to do in college and it brings me down every day. I feel if I had an exact path that I wanted to follow that didn't involve more debt, I'd be happier and able to just put myself into it fully. Yet I lack that path.

I've been reading MMM since the first articles and have shared nearly every article with friends and family. Looking for help/advice :)
Title: Re: Say Hi and Introduce Yourself
Post by: LindseyBob on April 18, 2012, 03:39:15 AM
Hi all,


I'm Lindsey, I'm 24 living in Witney in the UK - are there many other Brits here? I live in a tiny apartment (read: shoebox) with my boyfriend (no kids) and we're both climbing the career ladder as scientists.


I came across MMM a few weeks ago at just the right time - I've spent the last year getting myself of the right financial track and now I'm picking up speed! We have just cleared our debts (except student loans but as somebody else has already pointed out - its different in the UK so they don't really count as debt) and now we are are somewhat of a blank mustache canvas!

Looking for any good pointers for someone just starting out from scratch.

Cheers!



Title: Re: Say Hi and Introduce Yourself
Post by: Stephanie on April 19, 2012, 12:19:29 AM
Hello,

My name is Stephanie.  I am 35.  I live down the Front Range from the MMMs in Manitou Springs, CO.

I found MMM through an article on biking in the winter.  Which I thought was crazy!  But I kept coming back for more.  Now, I am offically hooked on this blog.

The ER lifestyle is a great continuation for me of the Live Simple / Zen lifestyle I have been practicing the last few years.  You might be amazed how much extra "stuff" even a minimalist can own.  All my friends laugh at me when I complain that I have too much stuff, still.  But my philosophy is unless I am activley using a 'thing', it needs to go.

Thanks to MMM, I got a much needed kick in the butt to actually BE, instead of coasting on my past minimalism victories.  Just sold two items on Craigslist.  Awesome.

Starting of with just about $0 - in part due to bad financial decisions.  The attitude of why save, when I could choke on a biscuit tomorrow.  :-)

My goal is FI in 10 years or less.

Love the MMM community.
Title: Re: Say Hi and Introduce Yourself
Post by: HowMuchCanAKoalaBear on April 21, 2012, 02:53:33 AM
Hi I'm an Aussie 50yrs old retiring this year, found the forum through Jacob's site...:)
Title: Re: Say Hi and Introduce Yourself
Post by: jaspel on April 21, 2012, 03:37:30 AM
Hi! I've been trolling for a while and thought I should join on in.
Title: Re: Say Hi and Introduce Yourself
Post by: Sparky on April 23, 2012, 07:51:14 AM
Hi, I've been wandering around and posting for awhile, but I should do this :)

I'm Sparky, I am addicted to travelling, my girlfriend and eating food from around the world. In my real life I'm a industrial electrician in Alberta Canada.

Also, I've made 2 pies in the last 3 days and consumed all of it.
Title: Re: Say Hi and Introduce Yourself
Post by: spi on April 23, 2012, 05:55:39 PM
Hi I am spi. I found MMM through ERE a few months back and finally read through all of the posts last week. I really like the writing style.

I am an almost 30 year old software engineer and am married to a teacher. We live in the Boston area. Our only debt is student loans which we are paying off as quickly as possible. I have been fairly good with money and haven't had any debt besides a car loan and student loans. Though I didn't really track my spending for the first 4 years out of college so I didn't know how I was actually doing. Doing a lot better now and attempting to live more of the non-consumer lifestyle.
Title: Re: Say Hi and Introduce Yourself
Post by: Happystache on April 25, 2012, 08:32:32 PM
Hello - brand new and happy to have found the financial equivalent to the honey badger - I plan on fully embracing the mustachian way of life - San Diego style.
Title: Re: Say Hi and Introduce Yourself
Post by: Bank on April 27, 2012, 09:45:49 AM
Hi, I'm David.  My stats are that I'm 36, live in the Boston area, married for a little over a year now, no kids, 1 dog, 1 cat.  No debt (although that will change, at least temporarily, as we are closing on a house soon), and a stash of about $300K.  I work as a corporate finance and corporate bankruptcy consultant -- hence the name I chose.  My wife is a teacher at a private school.  Together my wife and I make a great salary (over $200K) and we've been following MMM since the True Cost of Commuting article. 

If you think that our 'stash is small compared to our income, you would be right.  I could make complainypants excuses for why this is --- all of which would be true, but which would also be beside point, because MMM and early retirement are about the future, not the past!! 

In that vein, I'm here to support you all in your journey to FI, and to receive the well-deserved punch in the face when I need it.  As is the case for many savers, when I go out in the world, I can easily be misled into thinking that I am a super-frugal ace who has the world by the tail.  When I come here, I am inspired by all of you who have done so much more than I have, and done it on a lower income.  It makes me want to work out my frugality muscles harder, and makes me less likely to spend money just because I can afford to or because spending is easier than the alternative.

My wife and I are still discussing what early retirement will look like for us, but we are on pace to have all our "middle finger" money put away within 8-10 years at our current consumption levels.
Title: Re: Say Hi and Introduce Yourself
Post by: Plainview on April 27, 2012, 10:03:18 AM
Hey forum, I'm 27, from England originally, and I moved from Berlin to New York in January.  I've been developing a frugal side for about 7 months now (since coming across the Commuting article, just like the commenter above) and in two weeks will be starting my savings and investments in earnest.

I'm also dead keen on the wood work/welding/DIY side of things - I gouged, drilled and coated my first project this week and now have a kitchen chopping board to show for it.  Very much looking forward to learning from this community and hopefully contributing something back, too.
Title: Re: Say Hi and Introduce Yourself
Post by: Baboo on April 27, 2012, 10:24:51 AM
Hello, I'm Baboo.  I've been married 10 years, have 3 kiddos.  We both work full-time (he's a chef, I'm in HR).  I discovered MMM via his Mrs  on a "Mommy" forum and am loving it.  We're knee deep in debt, but I am completely inspired to make steps toward mediocre debt, then zero debt.  We live in Western Maryland, where the seasons bring beautiful, drastic changes.  Happy to be here!
Title: Re: Say Hi and Introduce Yourself
Post by: $_gone_amok on April 27, 2012, 06:21:39 PM
Hey everybody. My wife and I are in our early 30s with 2 kids. We live in a high cost of living area in Northern California, even though we make decent money, we still feel poor given how much money is spent on mortgage and day care. We would like to semi-retire in 15 years.
Title: Re: Say Hi and Introduce Yourself
Post by: kdms on April 28, 2012, 02:58:32 AM
Good morning....I'm Karen, and came across MMM yesterday afternoon and was so struck by the post 'your debt is an emergency' that I spent the next three hours figuring out how to shave $100 a month off our combined phone, wireless, and internet bill.  (Which tells you how just how ridiculously high it was to begin with, and we just hadn't given ourselves the kick in the pants we needed to fix it.)  We're from Ottawa, ON, and have one toddler, a very depressing mortgage, and a very tight income vs expenses ratio each week.

I came across mention of MMM while reading comments on a homeschooling blog....which was my number one reason (up until now) to live frugally.  (It still is the number one reason, but is no longer the only one.)  Come hell or high water, we are determined to find a way to homeschool our son when it comes time for him to be enrolled in school (in around 4.5 years).  Ideally, we'd both like to stay home, but would also be ok with figuring out how to live on one income, with a slightly later goal of FI.

Neither of us are so enamored with working that we couldn't live without our jobs....so we're beating at the debt every way we can, but have made some bad decisions (some of which we didn't learn from the first time and thus turned around and made them again...sigh) and it's taken us an atrociously long time to grow up and truly accept the folly of consumerism.  We've managed to squash 25K out of 30K consumer debt since last July, but that last 5k is dragging and I'm hoping to learn as much as I can from more experienced mustachers and boost the flagging morale around here.
Title: Re: Say Hi and Introduce Yourself
Post by: darkelenchus on May 01, 2012, 03:13:32 PM
Hello everyone! Mid-30s, married 8 years, living in Milwaukee, WI. My wife works at a title company and I'm currently an adjunct college professor, but looking to venture into online business. We both have a natural tendency towards frugality (haven't owned a car since 2007, simple vegetarian homecooked diet, etc., thrift-store shopping, etc.), hence no outstanding debt beyond our mortgage, which we'll be paying off at the end of the month. Then we'll immediately begin strategizing ways to grow the 'stache!

I've been following the blog for awhile (since the guest posting on Early Retirement Extreme last May) now. It's really been great! I'm much more actively aware of my frugal tendencies and the site has really helped me see how turning them into sustainable habits can be incorporated into the goal of financial independence. Just dipped my toes in to the forums. Lots of great discussion and as rich a resource as the blog! I'm looking forward to reading up and participating!
Title: Re: Say Hi and Introduce Yourself
Post by: BZB on May 01, 2012, 03:28:34 PM
Hi, I'm in Houston, TX. Mr. BZB and I both work full-time, have a toddler. No debt, renting a house, both recently finished grad school. I found MMM thru ERE blog. Haven't progressed very far in my journey yet. I'm trying to combine Your Money or Your Life program with the inspiration and encouragement I find here and on ERE forums. Have not had The Talk yet with Mr. BZB about mustachianism or YMOYL - just filtering it thru my own head and trying to change my own behaviors first. Am currently on the first step of YMOYL.
Title: Re: Say Hi and Introduce Yourself
Post by: Dicey on May 02, 2012, 01:25:26 AM
Well, damn, I think I'm older than all of y'all and I don't even qualify for a senior discount yet! I admit, it was all the cussin' that attracted me to your site. I've been a long time reader of TSD, GRS, ERE, MvD, MMM (and others) in roughly that order. I think MMM commented on one of those blogs and I followed the profanity to this comfortable, yet provocative place.

I've always been frugal underneath my pretty dresses. I also live a relatively clean (read: boring) life. My momma was griping at my potty mouth the other day. I said to her, "Momma, I don't smoke nor drink to excess nor do drugs nor gamble nor ask you & daddy for money. Will you please just ignore the blue cloud around my head and love me anyway?" Her answer, I leave to your imaginations. I shall just say that the apple, it's a' sittin' right up under that there tree.

TSD's and GRS's voices have changed, Jacob has un-retired and largely stopped posting, MvD doesn't post regularly enough and is still in the debt dispensation stage which doesn't resonate as much with me, which leaves MMM as the king of non-sellout FI bloggers. And the world.

I've never been in piles of debt, other than mortgage. I live in a high COLA, so my mortgage is big and I do not aspire to pay it off. What I do want is FI. I had cancer when I was 20 and as a result have a deeply rooted need for financial security. Retiring early is a secondary goal.

I have a theory that it's far easier not to gain weight than it is to actually lose it. I think debt is the same. I've got the frugal gene (refer to tree overhead) and have always been good at saving. What I suck at is what to do with the money once I've saved some, and figuring out how to pay for my self-funded retirement. As James Taylor sings, "That's Why I'm Here". Thanks for lettin' this old gal hang around, tryin' to learn something. And for the cussin', too.
Title: Re: Say Hi and Introduce Yourself
Post by: The Clean Shave on May 02, 2012, 04:12:12 AM
Hey all,

I'm The Clean Shave (currently the entire face, my goal, figuratively speaking, is to grow a mo). I occasionally reply on the MMM website as The Dutch Clean Shave, but I've ditched the national indicator over here since I've no ambitions to stay put.

Recently graduated in international business (BA), with a focus on marketing. I have since learned from experience how immensely unentertaining and unethical it can be, so I'm looking elsewhere for the long term.

As a kicker, due to my studies I'm also pretty well versed in all things related to finance, trade, consumer psychology and what not. This leaves the path open to all kinds of other fields in business management, so I've recently enrolled at a university in Sweden for a Master's degree (did you know Swedes, Norwegians, Danes and Fins let Europeans study for free if you cover cost of living?) to move the focus of my educational and professional background to another interest of mine: the IT industry. Also, I won't lie about the fact that I'm interested in learning a new language and getting to know the culture.

To cover above mentioned cost of living and start with the smallest of stashes, I work for consulting companies in branding and help run a couple of websites.

In my free time I climb, run, cycle and read, and I intend to add swimming to the mix if time permits.

Cheers,


TCS
Title: Re: Say Hi and Introduce Yourself
Post by: QuietContrary on May 02, 2012, 08:06:19 AM
Hi there,

Just registered today, though I've followed the blog since that time last year when Lifehacker posted MMM's article about the cost of commuting.
I live in a small country in the west of Europe where, as a nation, we're coming to terms with a dreadful spending spree that lasted the best part of a decade.
Now I'm lumbered with a mortgage on a one-bed apartment and facing the prospect of new property taxes and charges for basic services such as water. (Yes, I know such levies are common in other countries, but they're a novelty here.)
Over the past 18 months, I've paid off small-scale debts (credit card & car loan) and built up a small savings cushion (roughly, 1.5 x monthly salary) but I'm saving for a holiday in Australia (a good friend of mine is getting married and she's asked me to be bridesmaid) and I'd like to build my savings 'stache a little more.
Here in this little country which sounds a little like Iceland, there's a definite distaste for frugality: it's seen as running against our national character and something that only sappy English and German people indulge in. I have one good friend who is cash-conscious - but on the whole, it's very difficult to have a serious discussion about how to mind your money when (like me) you're single and all you want to do is spend all your money on nice frocks, fun holidays, and jugs of sangria.
Help me guys!

QC
Title: Re: Say Hi and Introduce Yourself
Post by: clarkai on May 02, 2012, 12:09:26 PM
Hi, my name is Anna, and I've been reading MMM for a year now. I'm 23, married, and have a house + mortgage that we inherited. I came from a penny-wise but pound foolish family (meaning we bought second hand clothes and appliances, but my dad had an hour long commute to work and no savings), and my husband came from a family where neither of the parents were very good at money management. So, I've got a pretty good handle on the "smaller" aspects of frugality (buying used, buying to last, no car loans etc) but not so much on the bigger aspects, like investing.
Title: Re: Say Hi and Introduce Yourself
Post by: annaliese on May 03, 2012, 10:46:48 AM
Hi there,

My name is Annaliese (if you can't tell from my username, ha). My husband and I have been reading MMM for a few months. I found it from a link someone put on a friend's Facebook page. It was crazy when I first started reading, because it felt like I was reading things my husband and I had written...so I have to say we definitely feel good to find people who feel the same way in our crazy society! A very brief background: we're 30 (me) and 32 (him), have two kids (8 and almost 10), we don't have a tv, we love our bikes, we're non-religious, popular culture makes us sick, etc etc etc...I could go on, but I won't. =) I also have a blog about our family/money/frugality which is fun for me because I like helping others. I am glad to be joining this group and hopefully I can get my husband on here, too!

Annaliese
Title: Re: Say Hi and Introduce Yourself
Post by: frutopia on May 04, 2012, 08:18:14 PM
Hi, I'm frutopia, and I've been an avid reader since the Cost of Commuting article I found via Lifehacker. I'm mid 20s and work in finance, where I got caught up in a lot of the status symbols that people love to brag about in my field. Bought a nice house and paid for an expensive wedding just as I found out about Mustachianism, so I'm starting from near zero but with a fierce desire to do things the right way from now on. I'm also learning how to lovingly bring my wife around to these ideas. I look forward to learning lots from you all.

Title: Re: Say Hi and Introduce Yourself
Post by: debthater on May 04, 2012, 10:34:34 PM
Hi!  I love MMM and MrsMMM and all of you that post in the forum!  I have learned so much and feel like this community makes me feel normal.  I feel very abnormal at work because of my MMM interests and values.  I love to cook and bake.  I also run and bike.   I LOVE coupons, thrifting, and garge sales.  I view shopping for something I need as a fun adventure. 

My husband and I are naturally very frugal.  We graduated with 6 figures of student loan debts.  When I came out of grad school the job market had tanked.  I was lucky enough to land a string of great jobs.  However, I knew that I could have not been so lucky.  Out of fear, I have always lived on less than half of what I made.  Now I enjoy my lifestyle but do worry that I should be spending even less (we save 50%+ of our after tax income plus max out 401ks but have a nice income so could be doing even better).  We are proud that the students loans are insignificant compared to what they were initially.  My husband loves his job and does not want to retire early.  He likes the idea that I could stay at home with our kids with our current spending.  I like the idea of tightening things up even further so we don't have to worry in the event that he looses his job. 

I have found some great tips here and advice that I think will help us to save even more.  Can you believe I had never been to Costco before reading the MMM shopping report? LOVE it now!  I can't wait to learn more from all of you!
Title: Re: Say Hi and Introduce Yourself
Post by: lhamo on May 09, 2012, 06:42:08 AM
Can't remember how I first found this site -- I think it was in the context of Jacob's ERE retirement announcement (though I am not a regular ERE reader).  Anyway, found this site a few months ago, and liked what I was seeing -- after a few interesting articles through the "random article" feature, this past weekend I decided to read through the whole archive.  Great stuff, and have now made this a link on my favorites bar.

I'm an early 40s female originally from the US, currently living in Beijing, China with my DH (originally from China -- we met in grad school) and our two kids.  We're here for both professional and personal reasons -- currently both working in the non-profit sector after getting two Ph.Ds in a not-terribly-marketable social science over a decade ago, but part of the reason we're doing that in China is to give our kids a bilingual/bicultural environment to grow up in and allow them to know the China side of our family.  Transoceanic family situation is a huge obstacle to true mustachianism, so for now we both have full time jobs that help support our two trips back to the US and several trips to visit DH's family, as well as a bit of travel for fun.  Our 'stash is solid and growing, aided by a very timely investment in the Beijing property market a couple of years ago at the bottom of the post-financial crisis dip.   Prices in our development have more than doubled since then, so even if the bubble bursts I think we will not lose money.  Knock wood.  We are pretty much saving one of our full-time salaries at the moment, and I did some calculating that showed we could probably get by on mine alone if DH's job should disappear (his is less secure than mine).  Still, I wonder some times if all the things we are giving up by having to work as much/hard as we do outside the home are worth the sacrifice, and I have broached the idea of cashing in our "lotto ticket" (ie. our apartment) with DH and trying something totally different.  He's not ready at the moment, but if our circumstances change it might not be too hard to convince him.  I really like my job and I'm good at it, but open to doing other things if the opportunity presents itself.

I am a moderator at another forum with a similar focus on FI, etc., and recognize some friends here (waving!).  Tone and focus of this forum is different, and I'm looking forward to looking around and getting to know more people here.

lhamo 
Title: Re: Say Hi and Introduce Yourself
Post by: XcaliburGirl on May 12, 2012, 06:57:44 AM
Hi all!

I'm in my late-twenties, married, no kids, and plan to be functionally debt-free in the next couple of months. No real savings, though for the first time in a while we have two decent incomes. I've always had mustaschian tendencies, but through the influence of my more "live in the moment" husband and recent salary increases, I've been allowing lifestyle-creep and neglecting savings. When I got my first job at 18, I was disappointed that I had to be 21 to take advantage of my company's 401k. Then, somehow I made it to 27 without ever contributing to one. My excuse was that my company didn't offer matching until this year. Of course, that just meant I wasn't saving for retirement at all. I think I might need to punch myself in the face.

I started looking at personal finance blogs recently when we suddenly decided we wanted to buy a condo, but had no downpayment. I'm not sure if the fancy condo and my newly-remembered early retirement aspirations can mesh well, but for now, I just want to save a significant portion of our income.
Title: Re: Say Hi and Introduce Yourself
Post by: illy5603 on May 15, 2012, 02:39:54 PM
Howdy,

My name is Chad. I am a recovering car guy and gadget collector. I don't like working and want to stop as soon as possible. I am doing well on the income column and am here to to work on the expenses column.
Title: Re: Say Hi and Introduce Yourself
Post by: flygirl on May 19, 2012, 03:26:56 PM
Hi! I'm M, I turn 26 in two weeks, I live in Boston with my...er..."clean shaven" boyfriend. I learned about MMM from the cost of commuting article - I was already biking to work, but I was thinking about the future and maybe someday living in a suburb and how I STILL WANTED TO BIKE TO WORK!

I was raised to always save half my income (starting with babysitting money, etc - for college) and sorta never got the message that not everybody does that. When I graduated from college, I paid off my loans (ahh! terrifying!) in like 18 months by living with my parents for a year (nice folks!) So I'm debt free, but I don't make much money, so my stache is growing slowly (but I'm starting school on the company dime in September!). Beyond my existing emergency fund, I'm saving 50% of take home, split 40/60 index investing and Roth 401k.

I'm not going for true ER, I mostly just want to have opportunity money around, maybe build a tiny house, maybe get a real house, and ideally move to a 4-day work week asap. I like my job right now though, so that's awesome!

hi!
Title: Re: Say Hi and Introduce Yourself
Post by: Zoot Allures on May 21, 2012, 04:57:58 PM
Hi, all--new reader here from Portland, Oregon. I'm glad to have found this site, which is a lot more entertaining and interesting to read than most of the PF sites I've come across. I'm fairly new to frugality, let alone aspirations to FI, so I have plenty to learn. I can tell you that when my HELOC and car loan (older Honda Civic hatchback) are paid off by year end, those monthly payments will immediately start going to my 403(b) instead. Dare I say this is a rather mustachian move on my part?

I'm a new landlord, having recently decided to downsize to a small apartment while keeping my house as an investment property. I may move back into it someday. In the meantime, I seem to be clearing about $200/mo. above my mortgage. I'm using a property manager because I was a little nervous about landlording and wanted as few hassles as possible, but I imagine I'll get tired of giving away that $1200/year at some point. Anyway, now I'm daydreaming about downsizing even further or getting a group house with like-minded/similarly situated people. I'm 41 and have lived on my own for most of my adult life, so it would have to be the right situation for sure.

See you all around.

Title: Re: Say Hi and Introduce Yourself
Post by: yomimono on May 23, 2012, 07:59:45 AM
Hi. I'm a long-time MMM lurker.

I'm a 26-year-old woman living in Madison, WI.  I'm currently employed as a firewall programmer for a company in Texas (I telecommute). 

I discovered Mustachianism-lite via some other personal finance blogs in 2006 (before many of them became watered-down "10 tips to reduce your car insurance bill" tripe), when I was working a job I hated for the local power company.  I "retired" from that job on 15k savings, spent it all riding bikes around the country, went back to school and generated 20k in debt, graduated last May, and made my last student loan payment on May 1st of this month.  I am now $0 in debt and have a positive net worth for the first time in about 3 years.

Saving comes pretty easily to me, but I know very little about investing.  I'm hoping to learn about unorthodox investment vehicles from the folks here who are further along in their journey.  I'm very interested in making investments locally, which have some concrete benefit here for all - socially responsible investing with some teeth.
Title: Re: Say Hi and Introduce Yourself
Post by: stashette on May 23, 2012, 04:45:22 PM
Hi, I'm Stashette from Indiana!  I love biking, traveling, and dreaming of FI. 

I've been a huge MMM fan for several months now, but I'm still pretty new to the forums.  One reason I love this site it that it refuses to just be average.  I am so tired of personal finance sites that just recommend paying off debt and maybe putting 10% to retirement.  Heck no!  I like a challenge and MMM delivers.

I've already had lots of life changes from this blog--I got a new job, I got a bike (um... two bikes, actually), and rarely drive my car anymore.  I'm sure there are more in store!
Title: Re: Say Hi and Introduce Yourself
Post by: Will on May 23, 2012, 05:50:54 PM
Hi, my name is Will, and I live in Vancouver, WA.   I just recently found out about MMM and I must say: I LOVE IT!  Great attitude in so many places, very entertaining and so informative.  I found out about MMM from some comments I saw on GRS.  My goals (for now) are to be credit card debt-free by next May (if not sooner!) and car loan debt-free 2 months later, then throwing a crap-ton of money into investments!  Maybe 10 years from now I can be retired too!
Title: Re: Say Hi and Introduce Yourself
Post by: hazel on May 25, 2012, 03:08:18 AM
Hi my name is Hazel Im from New Zealand and have been reading the MMM posts daily for around 2-3 months. Im a 26year old reformed anti-saver and love my new frugal lifestyle.

Im attempting to get rid of my student loan (which is interest free) and save for my first home and reading these blogs is a fun way to keep on track.

Thanks
Title: Re: Say Hi and Introduce Yourself
Post by: Spartana on May 26, 2012, 01:17:25 PM
Hi - I'm Spartana,  a female, spartan living, early retiree. I retired at 42 after years (mostly at sea)  in the U.S. Coast Guard and then a few more years as a government employee. Have a small combined military/government pension and healthcare benefits and live a very frugal lifestyle. Divorced and child-free, I have no debt (never really did except for a short term mortgage I paid off rapidly), I do alot of budget travel and adventure type sports (biking, kayaking, hiking, running, climbing, etc...). Sold the house awhile ago and am footloose and fancy-free to travel with my little rat-dog right now. Plan to travel for now and then "eventually" buy another place - a small, tiny, tiniest, dinkiest home I can - paying cash of course! Waving "Hi" to all the other's here from the Financial Integrity Simple lIving Forums where I first heard about this site.
Title: Re: Say Hi and Introduce Yourself
Post by: EarthSky on May 27, 2012, 10:10:09 AM
Hi I'm EarthSky, and just recently discovered this site through the Simple Living Forums (hi Spartana, and others!)  I'm a single mom striving to live a simpler life through decluttering/downsizing, living frugally and deepening spiritually.  My greatest challenge is how to do this with children, as most of my 'stuff' is keepsakes (their school work, art, prized collectibles from nature, etc.)  I'm also working toward FI, but have a long way to go to retire debt from cross-country moves, cost of living with spouse with no money management skills, and divorce.  I'm at a new juncture in my life, so looking forward to sharing and learning from this group!
Title: Re: Say Hi and Introduce Yourself
Post by: MooreBonds on May 27, 2012, 12:05:55 PM
New to the forum - heard it recommended over at the Early Retirement forum (courtesy of Nords).

Am a 35 year old male, single (hopefully married down the road), having enjoyed nearly all of my life in St. Louis. Well on-track to be FI by my mid 40s. Only debt is a mortgage. Lived far below my means in my 20s and early 30s, which helped pad the 'stash and let me loosen the strings a little bit when I bought my house 3 ago (but still live more below my means than the majority of my peers outside of forums like this).

When I'm not enjoying my free time with managing my investments and some outdoor activities like hiking, kayaking, a bit of cycling (when I finish remodeling my basement), I "enjoy" my day job as an engineer designing building systems for a consulting firm. Although I would definitely not work if I were FI, my job is fairly interesting and enjoyable enough to make me say that it isn't a drag like some people have to put up with at their careers. Of course, there's the usual BS that comes along with many work places, but overall, it's good (except for the 401k investment options!).

My user ID is a combination of ranking Roger Moore as my favorite James Bond character, as well as passing a certain financial goal a few years ago and transitioning my portfolio to add in a greater % of fixed income (roughly 20%-25%).
Title: Re: Say Hi and Introduce Yourself
Post by: Jake D on May 28, 2012, 12:32:13 AM
Jake from Perth, Western Australia.

Just finished reading the blog from day 1 to current post, came to the forum to fill the time now that I have to wait in between posts.

29, married, with a 2.5yo girl and a 6mo boy.

Stopped driving my car  (our second vehicle) the 3 or so kms to the train station about 3 months ago. I've been either walking or cycling since (only to the train station, Perth's rail system lets me travel about 20 minutes on the train to a station basically under my desk. It would take about 90 minutes to cycle, then shower/dress otherwise). Loving the fact that I put about a quarter of a tank of fuel in my car every 3 weeks.

Picked up a bike trailer for free from facebook 2 weeks ago and my girl loves cruising to the shops with me when I need to grab milk or bread or whatever.

Wife is definitely on board with living a frugal lifestyle. Our biggest expense is our mortgage, but we both see it as an investment, as we won't have to pay a dollar of rent ever again sometime in the next 5-10 years. We pay an extra $150 per weekly pay into our mortgage.

The Australian public health system makes it safe enough to not pay for private health insurance, so I pay the equivalent of  private health premiums into a high interest saving account, earing about 5%.

Interest payments on investment residential mortgages are tax deductible over here, so we moved out of the house we own, rent cheaper and pay the difference into our mortgage, receiving tax deductions at the same time.

My next big change is downgrading our primary vehicle. A ford falcon station wagon. Probably as small as our family needs dictate, and bought quite frugally about 6 years old and paying cash. We can bank about $5k or so by selling it and buying the same model a couple of years older (from 2004 to 1999/2000) with an LPG conversion already in place. (In Australia, our cars mostly run on what we call Petrol, and Americans call Gas, For about half the price per litre, and a small compromise on mileage, we can get them converted to run on LPG, which stands for (liquefied petroleum gas, i think) This was very common a few years back as the government provided incentives to do so, in some cases making the conversion free. It was massively popular on Ford Falcons.

I also have a shitty personal blog, but I wouldn't recommend you read it, it's mostly me whinging/venting about pointless shit.
Title: Re: Say Hi and Introduce Yourself
Post by: BunnyBoi on May 28, 2012, 08:50:37 AM
Hi

I am from the small South East Asian country of Brunei, a college student and is currently 17 years old.

I discovered MMM when I found NoMoreHarvardDebt (NMHD) through Yahoo.

My single mom has been frugal her whole life and has passed down such skills and thinking onto myself so when I discovered MMM, I learnt of how such techniques can be applied to a more 'extreme' form.

However sadly coming from a country that has a very different situation to that of which MMM is located in. I do find it very difficult to apply of which I had learnt from MMM specifically but I love the challenge this gives me.

I hope to one day to have my own family and hopefully pass this down to them.

I love how what I have already learnt from my mother has been shown on MMM, and more the fact that there are groups of people here who want to discuss how they use such thinking to apply in their lives.

But currently just hoping to finish my education first before I even go near the word retirement xD.
Title: Re: Say Hi and Introduce Yourself
Post by: Donovan on May 30, 2012, 04:42:53 PM
Hi

I'm an Indiana resident living out of 2 houses (my parents and my fiance's parents) depending on the day of the week.  I'm 22 years old, but due to a school transfer still have 1.5 years of school left...yay?  I'm studying Software Engineering and just got another nice scholarship to help out, but still...no fun to be here for more time.

I found MMM from a Lifehacker article not long ago, obsessively read most of the old posts within three days, and am now hooked.  This is such an amazing idea!

In addition to my studies/work, I rock climb (indoors at school and work), lift weights, teach Muay Thai at school, play classical guitar, and grow some mean strawberries and roses ^_^

I'll be around :)
Title: Re: Say Hi and Introduce Yourself
Post by: judycoco on May 31, 2012, 04:51:05 AM
hi -  i'm 53, have my son's PLUS 45K student loan to pay off (been just paying interest fro the past 10 yrs).  have defined benefit pension plan from govt job. can "early retire" from job at 55 losing about 30% of monthly payout but gaining 100% of freedom or collect 100% at age 60.  decisions to make...

Title: Re: Say Hi and Introduce Yourself
Post by: simonsez on May 31, 2012, 05:10:16 AM
Hello, I'm Dillon.  I am 26 and live in the DC area.  I am a federal worker with school background in economics and demography.  I grew up in the St. Louis area and am an avid sports fan.  My student loan debt has been a stressor at times due to the sheer amount and time I thought I would be paying it off for many years (delaying children, home ownership, FI) but this website does provide good perspective and being FI and happy are within easier reach than I originally thought.

I like to think of mustachianism as akin to the economic concept of maximizing an individual's utility based on a complex set of variables (the traits that make us all different) in any given situation (this is called life).  The reinforced financial and life perspectives on this website can show that often times individuals are irrational actors and are not optimizing their happiness or financial situation (often highly correlated).  In other words, sometimes humans aren't maxing out their utility and it can feel good to get punched in the face from time to time as long as you realize how to avoid getting punched in the face in the future (or get better at avoiding at least).
Title: Re: Say Hi and Introduce Yourself
Post by: Money4Nothing on May 31, 2012, 08:45:26 AM
Hi All.  I'm Chris and I stumbled on MMM earlier this year and have really enjoyed the material.

My "retirement" began about 3.5 years ago and it seems to agree with me (I'm in my mid-30's, so I guess I have time to change my mind).  After spending my professional career buying commercial real estate as an acquisitions officer for a large investment company, the financial markets were kind enough to give me some time off to reassess my priorities and to consider alternatives to the standard 9 to 5 narrative.

Recently, I've been spending my free time traveling, skiing, reading, biking, hiking, playing guitar, volunteering, and enjoying a simpler, more mustachian, lifestyle.

Cheers.
Title: Re: Say Hi and Introduce Yourself
Post by: jbhernandez on May 31, 2012, 02:44:50 PM
Joe here from Queens NY. That's one of the outer boroughs of New York City, just in case.

I read "Your Money or Your Life" way back when, as well as some of the Rich Dad books, but the information I've found here is first rate (cost per calorie, for example). Kudos to MMM.

I'll tell you more about later , but for now just wanted to let you know that I ran some errands on my bike. Had to WD40 the rust off, but it rode just fine. 2.5 miles total. Now I just gotta get rid of at least 1 car. Two car family in NYC is totally unnecessary.
Title: Re: Say Hi and Introduce Yourself
Post by: happy on June 02, 2012, 03:47:52 AM
Hi,

I've been reading ERE and MMM since the beginning of the year, and wish I'd figured this stuff out years ago. Actually at times I've been pretty frugal but then fallen victim to consumption creep over and over :(
I'm 53 year old single mum with two teenagers, NOW with a plan for FI just before 60. A month or two ago I committed to 50% saving. I've worked part-time for 17 years:  if I can't stand my job any longer I reckon I drop my hours  even more in 3.5 years.

Being new to moustachianism I'm due for hard punches in the face for housing, commuting and food.....ouch! If I can just improve in these areas maybe FI will be even sooner.

Anyone else here from Down Under?
Title: Re: Say Hi and Introduce Yourself
Post by: happy on June 02, 2012, 04:03:21 AM
Gidday Jake D from Perth WA.  I missed your location when I posted a few minutes ago. Any other Aussies?
Title: Re: Say Hi and Introduce Yourself
Post by: brianmeadows on June 03, 2012, 09:26:43 PM
HEllo my name is Brian I have been reading this blog since the real cost of commuting which in a round about way help my wife and I buy a house a few months later. We are now on our way to mustachism and loving every minute of it. Live in Southern California which just goes to show you can get to financial freedom anywhere
Title: Re: Say Hi and Introduce Yourself
Post by: c0ffee on June 04, 2012, 11:27:49 AM
Hi. I'm Jeff, and you can count on me. Oh, wait, that's what one of the kid's toys keeps repeating.

We have the typical stuff -  two incomes (well once The Boss returns from mat-leave), 3 kids, mortgage, vehicle loan (oops!), and RRSP/RESP. Looking to figure out the best way to dump the debt and maximize the savings.
Title: Re: Say Hi and Introduce Yourself
Post by: Jake D on June 04, 2012, 08:04:20 PM
Gidday Jake D from Perth WA.  I missed your location when I posted a few minutes ago. Any other Aussies?

I was about to tell you Gooki was from Australia, but I just checked his his location tag and it says NZ. Either way, he's pretty active and a lot of his numbers are closer to Australian ones than the US/Canadian ones. (Interest rates etc)
Title: Re: Say Hi and Introduce Yourself
Post by: Maddie on June 05, 2012, 02:57:21 AM
Hi

I'm Maddie from New Zealand.  I started reading ERE a few years ago and came over here when J passed the torch to MMM.  I spend a lot of my free time obsessing thinking about and planning for FI. 

I have been saving properly for about 4 years (late bloomer - spent too long studying (pointless things), then had a volunteer job in a third world country for a few years, then took a year off to travel and bum around and burnt through my savings & even, for the first time in my life, racked up a small amount of CC debt.  Thankfully managed to pay it of in 4 months, the motivation was seeing them take large chucks of interest off me).  The awesome lesson I learnt from that was that I NEVER want to be in debt again.  I started to get really serious about being FI in March last year, saving over 50% of my take home pay every month since then and doubling my networth in that time.

My man and I (and non-mustachian cat) are in this together.  He's just made us a program to track our expenses and do all sorts of fancy things (can't use Mint here).  Before that I had many worksheets tracking my and then our networth and other things. 

We only just seriously started tracking expenses in May.  Our joint monthly saving goal is ideally 75% but more realistically between 65-70%.

We are 33 & 34.  I want us to retire by the time I am 40....  I think we will have a better idea as to whether this is achievable once we have a few months of tracked expenses...

Our goals now are to learn about and start investing (scary).  I wish we had Vanguard here!

Oh and surprise, surprise we are both INTJ and work in IT :D...
Title: Re: Say Hi and Introduce Yourself
Post by: CG on June 06, 2012, 09:16:58 PM
Well, I don't say "Hi" but "Hello" as although I've lived in Australia since 1975 I am still very English in my habits, having grown up with parents who lived through the Depression.

I don't drive and have never owned a car. I do my shopping by bike but mainly travel by tram at senior's concession rates (free at the weekend).

I have always rented. I have no television, I drink 'cask' wine (same as 'boxed'), heat water for a bath once a week, use the communal washing machine, and dry clothes on the line.

The older I get the more I feel the cold, even when wearing umpteen layers of wool indoors, plus ‘wrist-warmers’ and woolly hat. My trick is to use one of these very low wattage panel heaters http://www.thermofilm.com.au/products/bliss/bliss.htm (http://www.thermofilm.com.au/products/bliss/bliss.htm) under my desk, and top up with whole-room heating only in the early morning and after the sun sets.

Then I do my reading in bed with two hot water bottles, and a shawl around my shoulders.

I'm what's known in Australia as a 'self-funded retiree', with a sufficiently low income that I qualify for some extra benefits such as telephone and the new carbon tax allowance. I occupy myself doing the books for my son's small business and some (volunteer) editing and proofreading. My extravagance is travelling to the UK once a year to visit my sister, but I usually add on a holiday in European country that I haven't been to before, to make the long-distance travel worthwhile.

Do I qualify as Mustachian?
Title: Re: Say Hi and Introduce Yourself
Post by: gooki on June 09, 2012, 08:38:10 PM
Yes
Title: Re: Say Hi and Introduce Yourself
Post by: JamesAt15 on June 10, 2012, 11:54:10 PM
Hi all,

 I am another James, and I live with my wife and two small kids in Tokyo, Japan. I've been here about 15 years now after moving from the States, and will probably be here for the long haul. I am in my early 40s so really early retirement is probably out for me, but it would be nice to be able to retire at 55 instead of 68, let's say.

 Living in Japan has its own financial idiosyncrasies. Interest rates are low - our 35-year home loan is now at 2.85%. It was at a variable rate of about 1.6% before, but we switched it to a fixed rate to lock it in. On the flip side, most savings accounts will earn you about .01% yearly interest on your balance. Buy a one year time deposit and they'll bump it up to .1%.

 I hope to improve my frugal skills and work on improving our savings and investments and get my little employees working for me a lot harder than .1%. Cuz I am pretty sure that is just not going to work. 
Title: Re: Say Hi and Introduce Yourself
Post by: Lavender on June 12, 2012, 10:01:48 AM
Hello Mustachians,

Just got caught up on reading all the blog posts from the last year and some. Love this community...it puts into perspective a lot of things that have so far been kinda vague and uncrystallized in my head and sorta gives me a kick in the butt (or a punch in the face) to stop being a wimp already and DO IT!

By way of introduction, I'm a 33 y/o female, married, two kids (4 and 3 years old) and a stepson in college. I would have loved to quit working when the kids were born but couldn't as I was on a work visa and it was either work full time or go back to my home country. I'm using the 'forced' work period to build up a small 'stash - a little difficult for the following reasons:

a) my husband and I both work in academia, so the pay kinda sucks, considering we are 'highly educated'
b) stepson in college + two kids in daycare = bleeding at both ends (college tuition and childcare expenses)
c) the husband, although environmentally conscious and not at all spendthrift, is not at Mustachian levels, and is much older (he's 50) so does not want to be told what to do; also, I really cannot and won't question or interfere with his spending decisions with regard to his son.

Despite these, here's where I am (I tend to think of my finances in the singular; although we do joint tax returns, we have separate bank accounts, split household expenses more or less equally, and for the present, he takes care of college and other expenses for his son while I take care of daycare and saving for college for our kids).

Retirement - ~100K (I tend not to take my husbands retirement savings into account when calculating mine, because of the age difference and the other circumstances - there may well be nothing there for me when I am 'retirement age'. If there is, then bonus!)
College savings - ~15K
No car loans, 10 years left on low-interest (3.2%) mortgage with current principal balance of $157K (husband makes these payments ~$1500 per month).
Grocery bills are probably ~$500-$600 per month, again, husband pays these
Daycare expenses ~$1000 per month
Utilities average $350 per month
I put away about $4000 in retirement/savings, and another $1000 into college savings per month.

My husband loves his work and plans to continue at least until our mortgage is paid off. I plan (now that I am off the visa hook) to quit working full time in a few months, and just do some freelance work (scientific editing) and pursue my passion (teaching dance) both of which should bring in enough money to pay the bills and continue saving while allowing me to spend more time at home with the kids. (I currently do both these side-hustles in addition to my full time job, and save more than 100% of my main income stream into retirement and college accounts, using just the side income for expenses).

What do you Mustachians think of my situation? Am I somewhat Mustachian, or still very clean-shaven? Trying my best to maintain marital harmony and live Mustachian-ly :)


Title: Re: Say Hi and Introduce Yourself
Post by: Lavender on June 12, 2012, 10:10:22 AM
PS: These amounts are what I have been able to save over the last 11 years (I first landed in the US in 2001 with $0) on an average annual salary of 35K. Been married for about half that time.
Title: Re: Say Hi and Introduce Yourself
Post by: CuencaSolo on June 12, 2012, 08:19:04 PM
My last intro post disappeared, but it was too long anyway.

I'm John, dba CuencaSolo on this and a few other sites.  I'm a single guy of 63, retired in Cuenca in the Andes of Ecuador for nearly two years now.  Before that, I maintained ancient mainframe programs at Dallas City Hall.  ("Cobol?  You mean I get to work on the new stuff?")  Only for 13 years, and Texas cities don't allow some of the scams you hear about in places like California or Illinois, but my civil service defined benefit pension would still embarrass a gangster.  That was more comfortable back when most big companies had traditional pension plans, so government employees did not stick out.  Now I have to blush as I say:  Thank you, Dallas property tax payers!

I'm good with crossing cultural boundaries, and pretty good at languages, so it was an easy decision to cut my basic living costs in half by moving to a relatively pleasant Third World country.  I won't be getting a car here (walkable small city, usable buses and taxis.)  Other than that, I would rate myself low in Badassity and high in WussyPantsitude.  I rent in a secured condo building, with weekly visits from a cleaning lady, and call for a repair person if I need anything much more complex than changing a light bulb.

I'd be glad to give details on living costs and ways of doing things if people are interested, but this is an extension of the basic MMM themes.  My lifestyle here is an instance of what you do after FI, rather than how to attain it.
Title: Re: Say Hi and Introduce Yourself
Post by: Blondie on June 12, 2012, 08:32:11 PM
Hello.  My name is Carol and my DH is Ian.  We are not the target market for Mr. MM, however, since I found him while googling early retirement, I have not been able to turn away.  I read back through the articles and most comments.  I absolutely love the philosophies, cheeky attitude and best advice available, including relevant and thoughtful comments.
We are retiring at the end of this year, me at 56 and him at 58, and moving to a small village in central Mexico where a beer is 60cents and 2 large bags of wonderful produce is about a buck and a half.  I am looking forward to continuing to live my aspiring Mustachian lifestyle.  I sincerely wish I had young, hip people talking to me like Mr. and Mrs. MM 30 years ago.  All the advice I got as I floundered through my financial life was sales pitches on mutual funds and very little on how to get the Saving Money Punch in the Face I so desperately needed.  I raised my 2 sons mostly alone and got to the $90k salary range in time to meet my 3rd and last husband and move to a small town in southeastern BC, Canada.  I work at a small government job now that has more than met my needs for the past 4 years: small, DB pension.

I have raved about MMM since I found him, in particular to my sons who are most definitely in the target market: 30ish, high earners, single and needing sound financial direction they can relate to.  I, sadly, was a lousy role-model.  Son #2 is a MMM subscriber and we often talk about the latest article.  He told me on Sunday, his goal for FI is when he turns 40 in 12 years.  Now, we have to work on the #1 son.  At 32, definitely needs the Punch in the Face.  Maybe we could do a MMM make-over.

Thanks very much for doing this, you are truly an inspiration.
Title: Re: Say Hi and Introduce Yourself
Post by: jbhernandez on June 13, 2012, 11:14:06 AM
My last intro post disappeared, but it was too long anyway.

I'm John, dba CuencaSolo on this and a few other sites.  I'm a single guy of 63, retired in Cuenca in the Andes of Ecuador for nearly two years now.  Before that, I maintained ancient mainframe programs at Dallas City Hall.  ("Cobol?  You mean I get to work on the new stuff?")  Only for 13 years, and Texas cities don't allow some of the scams you hear about in places like California or Illinois, but my civil service defined benefit pension would still embarrass a gangster.  That was more comfortable back when most big companies had traditional pension plans, so government employees did not stick out.  Now I have to blush as I say:  Thank you, Dallas property tax payers!

I'm good with crossing cultural boundaries, and pretty good at languages, so it was an easy decision to cut my basic living costs in half by moving to a relatively pleasant Third World country.  I won't be getting a car here (walkable small city, usable buses and taxis.)  Other than that, I would rate myself low in Badassity and high in WussyPantsitude.  I rent in a secured condo building, with weekly visits from a cleaning lady, and call for a repair person if I need anything much more complex than changing a light bulb.

I'd be glad to give details on living costs and ways of doing things if people are interested, but this is an extension of the basic MMM themes.  My lifestyle here is an instance of what you do after FI, rather than how to attain it.

Hello John,

I love Cuenca, Ecuador for that matter, and it's a great place to live. I'm going to guess you are paying $300 for that rental?

I would not call it Third World, but I can understand why others might. Here a a few pics from my most recent trip in March for those who may want to look.

http://www.flickr.com/photos/9452251@N06/sets/72157630058245337/ (http://www.flickr.com/photos/9452251@N06/sets/72157630058245337/)
Title: Re: Say Hi and Introduce Yourself
Post by: Uncephalized on June 14, 2012, 02:10:57 PM
Hi!

I'm Uncephalized. I'm 24, recently married to a lovely young lady, and a mechanical engineer working in Phoenix, AZ. I don't know my net worth, because my parents and relatives are compulsive investment-account funders and so by the time I graduated high school I had more stocks, IRAs and investment accounts than I knew what to do with. I mostly ignored them for several years because I had no clue what I was supposed to do with them. Then I spent a bunch of it to live on for a couple of years when my parents were no longer supporting me and I was finishing my degree, then unemployed for 6 months.

So now I'm in the extremely exciting process of figuring out how much I am worth--which happily, despite my former cluelessness, seems to be a significantly-positive amount--as well as exponentially increasing my Badassity. I'm figuring out all my accounts, combining, streamlining and simplifying my investments, and paying off the relatively small amount of credit card debt my wife and I accrued recently related to our wedding expenses. I read MMM obsessively from the first post to the current one in about 4 frenzied days, and now I'm putting his principles in action! I want to be self-employed well before 30, and financially independent not too long after that. But for now I'm sticking with my pretty-cool engineering job, 'cause it's easy money, baby!

I want FI because I always have ideas and concepts for inventions to create, businesses to start, stories to write, and a million and one things I want to DO! and FI is the only way to have both the money and the time to do them! We're also planning to start a family in a few years, and I want to be around for my kid(s).
Title: Re: Say Hi and Introduce Yourself
Post by: winfield on June 16, 2012, 01:14:28 PM
Hi, I am new to the forum after reading the blog posts from the beginning over the last month or so. I live in Central PA and recently became motivated to move towards a more mustachian lifestyle even before learning of the term. I spent 3.5 years driving 90+ miles one way to work 5 days a week after meeting who is now my wife online. Luckily I have found new employment and spend only 28 miles 5 days a week on the road. Having endured a 4 hour round trip for that period of time gave me a new perspective on time, life, income, spending and basically what really makes someone happy. Thanks in advance to everyone involved in making this blog/website a success as it has been my companion in the last couple of months for driving me towards a more sustainable future.
Title: Re: Say Hi and Introduce Yourself
Post by: Will on June 18, 2012, 01:05:05 PM
As a relative "noob" can someone please explain what the different colors of the little squares under our names represent?  And what about the number of squares?  And what are all the different levels?  I've seen stubble, handlebar, magnum, etc., but what is the "ranking" of those?
Title: Re: Say Hi and Introduce Yourself
Post by: grantmeaname on June 18, 2012, 01:15:50 PM
Stubble 1-49 posts
Bristles 50-99 posts
Handlebar 100-249 posts
Magnum 250-499 posts
(edit: Senior Mustachian 500+ posts)

You get another square for each named rank you achieve. Moderators and admins have administrative powers (the banhammer, but also splitting, merging, and moving threads), and they get more squares than that.
Title: Re: Say Hi and Introduce Yourself
Post by: Worsted Skeins on June 20, 2012, 06:39:37 AM
It was only last week that I learned I was Mustachian.  I have been calling myself a Frugalista, a term that dates back to Amy Dacyczyn's Tightwad Gazette newsletter (which eventually evolved into a series of books).  All this was before the Web, of course.

My husband (in his 40's) continues to slog away in the corporate world, but our frugality has allowed me to work for pay only when the job suited our lifestyle and my personal goals.  I homeschooled, I do a lot of volunteer work in my community, and I have the time to cook from scratch, sew, knit... I am the Chief Financial Officer of this household.

After our Dear One graduates from college, we could retire---or change our lives so that my husband does consulting work part of the year.  Hence I was thrilled to discover this community which should inspire us as we run the numbers.

Title: Re: Say Hi and Introduce Yourself
Post by: apple on June 22, 2012, 06:54:55 AM
new moustachian here.....

im a young professional in canada (28), immigrated here 12 years ago from southeast asia....sponsored my dad and stepbrother last year...

had no discipline with money and had tons of debt ... which causes me great stress...so i've been reading tons of money blogs and found MMM...

background:

due to PAST bad spending habits, im currently paying close to $500 in interest, per month and $1500 debt payments...to sum it up

future is looking bleak...i've been trying to get out of this terrible cycle for 5 years but had to buy a house last year for us to live in...which came with a ton of costs....

trying to do the cash spending only but very hard...i no longer buy clothes, shoes or anything else that is not a NEED.....

hoping in 3 years I can pay this off and start saving 40% of my income

a stressball until then
Title: Re: Say Hi and Introduce Yourself
Post by: Tiamat on June 22, 2012, 05:23:58 PM
Hello, I'm Tiamat. I'm a fan of simple lifestyle types of forums and enjoy the support I find in them. I'm looking forward to posting here.
Title: Re: Say Hi and Introduce Yourself
Post by: Parr0thead98 on June 22, 2012, 07:58:43 PM
Hi, I;m Pete, married, 2 kids.  Looking to be a Moustachian in Summer 2013!

Found this site from Nords over on www.the-military-guide.com.

On track to retire at age 47 next year, but wife will be rejoining the workforce out of a desire to get back into Nursing.
Title: Re: Say Hi and Introduce Yourself
Post by: CuencaSolo on June 23, 2012, 09:16:35 PM

Hello John,

I love Cuenca, Ecuador for that matter, and it's a great place to live. I'm going to guess you are paying $300 for that rental?

I would not call it Third World, but I can understand why others might. Here a a few pics from my most recent trip in March for those who may want to look.

http://www.flickr.com/photos/9452251@N06/sets/72157630058245337/ (http://www.flickr.com/photos/9452251@N06/sets/72157630058245337/)

Good call on the rent.  I have seen much higher asking prices lately in the Gringo Tree email list, but I hope they are atypical.  I pay:

$280 rent
  $63 condo charge (includes central hot water and propane for the stove, both luxuries here)
  $39 cleaning ($9 a week for about 90 minutes)
  $22 internet (pretty slow, down for hours at least once a week)
  $15 purified drinking water (in 20-liter bottles, $2 including a tip when the guard brings it up)
  $10 electricity (with a charge for street lighting!)
    $4 water, sewer (and maintain public parks!)
    $3 landline phone (plus a bit every 3 months to buy minutes for a cell phone)

$436 monthly total.  That's in an apartment of about 700 square feet, nominally 2 bedroom 2 bath.  One bedroom is really too small to use that way, and the master bath shower leaks, so I use the other one.  No heat, which is normal here even though overnight lows are often 50 or a bit less.  You wouldn't want AC; it rarely gets close to 80.

I might as well include some other prices in case anybody is curious:

Small supermarket close by, big one 20 minutes walk, poor discount store 40 minutes.  Veggies 50 cents to $1 a pound, except stuff like asparagus at $3; fruits $1 to $2 a pound; meats $4 to $8 ($1.50 for the greasy hamburger!).  Lots of the temperate zone produce like apples comes from Chile; many packaged goods come from North America or Europe, at a typical markup of 25 to 50% over home country prices.  Most irritating ripoff:  Kleenex, made locally under license at nearly 5 cents per tissue.

City buses 25 cents (crowded mostly when the school kids use them, very rough ride); taxis from $1.50 to $5, they cruise and there's lots except when it rains.  Gas is $1.48 a gallon, $1.05 diesel, but the government is looking at the cost of maintaining that subsidy and hyperventilating.  Starchy lunch specials in restaurants $2 to $3 (cheese and potato soup, rice with small servings of meat and salad, token dessert like Jello, glass of fruit juice with purified water.)  Good coffee grown nearby just went up to $3.50 a pound.  No bargains on wine, all imported; mediocre beer is reasonable.

Doctor visit $35 (that's high end, English-speaking specialist); dental checkup and cleaning $25.

Third World is an obsolete abbreviation, yes.  This is a much nicer place to live than some other countries falling in that category.
   
Title: Re: Say Hi and Introduce Yourself
Post by: liquidbanana on June 25, 2012, 12:48:15 AM
I'm liquidbanana. I live in a horrid but cheap place called Oklahoma. I live with my five year old son and my sexymansoulmate. We've got the frugality thing down, but not the making money part, but we're working on it!
Title: Re: Say Hi and Introduce Yourself
Post by: Daley on June 25, 2012, 09:19:47 AM
I'm liquidbanana. I live in a horrid but cheap place called Oklahoma. I live with my five year old son and my sexymansoulmate. We've got the frugality thing down, but not the making money part, but we're working on it!

A fellow sufferer! Hooray!
Title: Re: Say Hi and Introduce Yourself
Post by: Russ on June 26, 2012, 06:39:51 AM
Hi everyone, I'm Russ. I'm just finished my 3rd year studying mechanical engineering, and will be graduating next summer after a semester-long internship and one more semester of classes. Being a poor college student, I have the frugal thing down pretty well; I do, however, have more stuff than I would like, and am working on downsizing. I probably won't do that much posting, but when I do, you'll see me in the DIY and Ask a Mustachian subforums since I'm a lot more interested in the lifestyle than the analytical finance right now.
Title: Re: Say Hi and Introduce Yourself
Post by: nevinera on June 26, 2012, 06:50:47 AM
I'm Eric, and you've all made me tremendously excited about my future! I don't even *like* owning stuff!
Title: Re: Say Hi and Introduce Yourself
Post by: John Spartan on June 26, 2012, 06:44:29 PM
Hello All,

I discovered this website sometime around January.  I've been lurking around since then trying to learn as much as I can.  I am a 4th year pharmacy school student who is graduating in May 2013 (with piles and piles of debt).  I'll give my situation eventually and see if there are any kind souls who'd offer me opinions on the best way to attack it.  I just wanted to stop in and say hi first and read around the boards to see if something similar to my situation has been posted.

Have a great day!
Title: Re: Say Hi and Introduce Yourself
Post by: matchewed on June 27, 2012, 08:45:37 PM
Hi Everyone,

I've been reading this website and several other financial/FI blogs since 2008 when I started researching Roth IRA's to begin extra savings for retirement outside of my company's 401k. I'm 31, single, I live in CT and through the awesome knowledge gained in the ERE website and MMM I plan on hitting FI in 12-17 years. I work in Manufacturing performing a Quality Assurance and Compliance function. My net worth is 100k.

Most of what is discussed and advised in here are things I was doing on a small scale and seeing real results. Sadly I'm not much for contributing, which makes me feel somewhat conflicted as I owe so much to this community (I learn just as much from discussions in the comments and forums as I do from the articles). Some of my goals for this year is to teach myself to do winter bike riding, take up some volunteer activities, and save enough money for a down payment on my first home.

I just want to end with thanks. Although I don't speak up much I do truly appreciate this community.
Title: Re: Say Hi and Introduce Yourself
Post by: Kibatsu on June 28, 2012, 04:47:03 PM
Hello everyone,

I finally decided to sign up after lurking around the blog and forums for a week or two. I had heard about MMM around the /r/frugal community on reddit or one of the surrounding subreddits, came over to take a look, and loved what I found. Early retirement / financial independence has been a goal for me for a while (I'm 21, so I have the opportunity to do things right from close to the beginning) but hadn't realized it could happen so quickly.

Anyway, I'll be finishing up my undergrad math degree in Ohio next year and hope to get into Michigan's statistics graduate program. With some effort I cut my monthly expenses from around $900-1k to $700-750 over the last year or so and with MMM it looks like I can shave off a little more waste and put that low spending rate to good use toward FI. (Holy shit my apartment is set to 10 degrees warmer (88) than it ever was last year and I'm fine with a small fan and a steady supply of water!)

Hope I can find a way to give back to the community for their enlightening help!
Title: Re: Say Hi and Introduce Yourself
Post by: grantmeaname on June 29, 2012, 07:17:51 AM
Hey, college students in Ohio are alright in my book. Any chance you're in Columbus? We're trying to put together a meetup (http://www.mrmoneymustache.com/forum/meetups-and-social-events/columbus-oh-area/) if you go to that college in Ohio.
Title: Re: Say Hi and Introduce Yourself
Post by: Moose on July 02, 2012, 09:05:02 AM
Jay here. Graduate student in Boston in my late 20s. Been frugal all my life, except for a stint in NYC.
Title: Re: Say Hi and Introduce Yourself
Post by: Nords on July 02, 2012, 11:54:30 AM
Nords here.

I'm a long-time member of Early-Retirement.org and Bogleheads.org, and I see a few familiar names here. 

I'm finally getting around to filling out my profile and putting up an intro post.  Thanks to MMM for the forum, and for sending a new blogger from here over to take a look at my blog!
Title: Re: Say Hi and Introduce Yourself
Post by: Echo on July 03, 2012, 10:46:57 PM
Hi everyone, my name is Robb Engen and I am the Echo half of the Boomer & Echo blog that I write with my mom, a retired financial advisor.  I live in Lethbridge, Alberta with my wife and two daughters (oldest is 3 and my youngest was born three weeks ago).  My wife stays home full time with our kids.  In 2008 she was diagnosed with MS.  She's doing fine, but the diagnosis at such a young age really made us stop and re-evaluate our life goals and finances. 

I left a 10 year career in the hotel industry where I was working 60-80 hours a week and travelling every 4-6 weeks, and now I work at the local University doing the marketing and business development for our Athletics program.  It's a 7 minute drive to work (you wouldn't want to bike or walk with the 100 KM/HR winds we get here), I'm home for lunch most days, and home by 4:45pm every day.   

My mom and I loved talking about personal finance and investing, much to the chagrin of the rest of our family and friends.  We started our own blog to continue the conversation with other like minded people who wouldn't be so put off by talking about money.  I never understood why money is such a taboo subject.

I found the Money Mustache blog through the Wisebread Forums and I'm really enjoying the badassity, which is rare in the personal finance blogging world.

I'm really looking forward to learning and contributing here in this community.

Cheers!


Robb Engen
www.boomerandecho.com (http://www.boomerandecho.com)
Title: Re: Say Hi and Introduce Yourself
Post by: carolinakaren on July 05, 2012, 12:08:28 PM
Hello Mustachians!

I found you all by way of ERE.  Started here in February this year and read through all the posts.  I haven't been using the forums all that long, but am very glad I checked them out, because there's tons of good info in here.  I'm nowhere close to FI, but my only debt is my mortgage of $137,000.  (My goal right now is to get rid of it!!)  I am a CRNA...since almost no one has heard of that, it is a Certified Registered Nurse Anesthetist.  I'm divorced with no children and have a great boyfriend who is beginning to grow a bit of a 'stache himself.  I've always been interested in money, and how to maximize it's usefulness.  I think I started searching for personal finance blogs after reading YMOYL.  That's the book that really lit a fire under my ass, and I've been chasing FI ever since!
Title: Re: Say Hi and Introduce Yourself
Post by: mobius on July 11, 2012, 12:27:34 AM
Hello all. I am the unending force known as mobius. I am about to be 30. Married to a beautiful woman that I actually really like too (seems a novel concept) and I really enjoy cycling.
I've always been a bit more frugal than most of my peers, but I'm extremely wasteful by mustachian standards.
I'm also really lazy.
I'm here for encouragement to reduce my expenses, increase my savings, quit wasting so much time with mindless entertainment and maybe some advice on a new career.
I also found this site a few months ago via ERE. And I had only been reading it for a short time before I realized the torch had been passed to MMM.

Thanks in advance for all the knowledge and inspiration you guys/gals will provide.
Title: Re: Say Hi and Introduce Yourself
Post by: militaryincome on July 12, 2012, 09:07:26 AM
Hello!

I've been reading the blog ever since a friend posted the cost of commuting article on Facebook.
I graduated high school in 2007, spent a year in college, decided it wasn't for me at the time and joined the USMC.
My parents, who albeit provided with an awesome quality of life, always tended to ignore monetary issues.

I got married this April and want to ensure I can provide an awesome, low-stress life for my family.
I am looking forward to learning more about investing and growing my 'stache.
Title: Re: Say Hi and Introduce Yourself
Post by: MsD on July 13, 2012, 01:43:02 PM
Hello, everyone.  I'm MsD, husband is MrD.  I don't recall how I found the site exactly, but I enjoy it very much.  We've been saving for a long time and have just made the leap into early retirement. 

I have moments when I freak out and think, "what the *bleep* are we doing!?!"  I like to come here and read and remind myself that just because what we're doing is rare, there are others who are doing the same thing.

MsD
Title: Re: Say Hi and Introduce Yourself
Post by: mustachecat on July 13, 2012, 01:54:59 PM
Hey all! I'm mustachecat. I'm 27 and I live in New York with my dude and two cats, one of which actually has a mustache. It's not as big as the one in my avatar, alas.

My dude and I are getting married later this year, and we've started gunning for early retirement. We've been together for six years, and it definitely stings to know that had we been smart with our money from the start, we would be so much closer to financial independence and the lives we want. But, hey, better now than later.

I can't remember when I started reading MMM, but it's been my favorite personal finance blog since the day I discovered it.
Title: Re: Say Hi and Introduce Yourself
Post by: elincolnp on July 13, 2012, 02:27:54 PM
Hi Everyone!

I always thought I was just a cheap-skate, and never really imagined a life where I wouldn't have to work until...forever. But ERE and MMM definitely opened my eyes to not working~gasp!

Now, only 6 months later, I'm about to buy my first rental investment property, sell my car, move to a cheaper city (Boston to Portland, OR), and I've pretty much stopped shopping and eating out completely. I was always great at saving money, but it feels so much easier when there's a goal in mind (like getting to keep my own time!)

I just turned 22, work as a marketing consultant, and my fiance and I are aiming for FI in 8 years. I was homeschooled as a kid, and I know first-hand that there's nothing more valuable then spending everyday playing with your parents/playing with your kids. I'm so excited to have the chance to spend that kind of time with my own kids.
Title: Re: Say Hi and Introduce Yourself
Post by: kisserofsinners on July 16, 2012, 03:49:02 PM
Hey there,
My name is Rebekah. I'm 33, married, and the wife and i have just been forced to really look hard at our finances. Our land lords are selling our SF apartment. We've chosen the hail mary pass; we're going for it!

However, we were both raised really poor and without any real money education. I've been working (starting with spreadsheets in 2006) growing my 'stach. I clawed my way out of debt (for the 3rd damned time) over last summer.

I know we're doing really well, but my optimism pumping two people is hard. I love the blog and love having other kids around who know i'm not crazy.

Thanks. Looking forward to joining the ranks.
Peace
Title: Re: Say Hi and Introduce Yourself
Post by: FausseBourgeoise on July 18, 2012, 08:23:20 PM
Hi guys and gals!
Turning 25, in long-term relationship with a guy set on professional school(he comes from money; I don't), Canadian (raised in Vancouver suburbans), grad student, I teach. Speak a bunch of languages. Have +8 to disguise self when speaking to francophones as they believe I am from France, but I have never been there. Love to cook. Facing $6,198.77 in student loans from my undergrad. Trying to figure out how to kill it in the face while paying full time student fees and still writing papers.
Title: Re: Say Hi and Introduce Yourself
Post by: Sylly on July 19, 2012, 11:02:34 AM
Hi!

I'm Sylly, and yes, I can be a bit silly at times.

Found my way here from No More Harvard Debt a couple of months ago. Been slowly reading through the backlog of MMM posts, and lurking in the forums every now and then. I'm drawn here by the intelligent discussions as much as by the message of the site.

Financially not too bad off (no debt, good paying job), but still building my nest egg, since I didn't finish grad school and enter the workforce until 30. Currently in early 30s, with major expense(s) in the horizon (some sort of wedding, and then a house). Compared to most Americans, I'm frugal. Compared to most Mustachians, I still have fat to trim. In this forum, I'm mostly looking to build up my knowledge of retirement planning & investing and to be inspired to build my frugality muscles by observing the examples of those more muscled than I.

Cheers.
Title: Re: Say Hi and Introduce Yourself
Post by: TheFuzz on July 20, 2012, 10:33:06 AM
Hello!
My name's Chris. I'm 23 and living in Seattle.
When I moved out here after college, I started off my mustachian journey with $1500 in liabilities and $0 in assets (having lived off my meager savings before finding my first job). I have a lot to learn but I'm making progress (Net Worth is well on the + side now!). Thanks to all of you here for serving as inspiration. I will do my best to add value to this incredible community!
Title: Re: Say Hi and Introduce Yourself
Post by: CindyHartman on July 21, 2012, 10:33:05 AM
Hi!  I ran across this forum yesterday whiled googling "average grocery bill for 2 in 2012" - and found out I'm spending way above average.  So a new project in the works for me to bring that under control. 

I'm a Realtor in Jupiter Florida, and my husband owns a home inpsection business.  We moved to Florida about 3 years ago - and plan to build our businesses through our retirement... love it here so far.
Title: Re: Say Hi and Introduce Yourself
Post by: ShanghaiStashing on July 24, 2012, 12:57:57 AM
Hey Everyone,

I found this forum / blog a few weeks back and love it. I'm 28, living with girlfriend, Canadian who has recently been expatriated to Shanghai.

We're working towards financial independence at 35. No debts currently and we don't own a home as we sold our Toronto condo when we moved to Shanghai.

We both grew up in incredibly frugal families (My mom cooked everything from scratch so I didn't even know what Kraft dinner was until I was 13 and went to a friends house and ate organge pasta)!

Anyway, great to meet you all through the computer.
Title: Re: Say Hi and Introduce Yourself
Post by: ludwig on July 24, 2012, 03:57:08 AM
Hello,

My name is Julien, I live in Perpignan in the very south of France.

I'm 29 years old, I have a wife and a 2yo son. I work as web developper in a firm who's making dating web sites and I'm freelancing a lil bit.

I found this blog 2 or 3 weeks ago following a Ryan Carson post on hackernews and it was like an eye opener, I'm spending way too much money on things I don't really need.

So I'm starting my journey on mustachism road ;-)

Nice to meet you everyone.

P.S: forgive my bad english...
Title: Re: Say Hi and Introduce Yourself
Post by: It Figures on July 24, 2012, 07:30:22 AM
Hi, I am a married 43 year old mom of three children in Hamilton Ontario.  I love this website and I check it out as often as possible.  Every time my husband and I even consider a dumb purchase, we inevitably realize we have to punch ourselves in the face for even considering it!  Thanks Mr and Mrs MMM for being such awesome role models:)
Title: Re: Say Hi and Introduce Yourself
Post by: jdoolin on July 25, 2012, 09:25:53 AM
Hello,

My name is Jeremy and my wife and I are newly converted Mustachians.  We're very excited about our future and our new lifestyle and within the last three weeks (the time it has taken me to read all the MMM posts from first to current) we have made big changes and huge plans!  FI within 12-15 years looks probable for us!

Look forward to being part of the community, learning from everyone and trying to contribute myself!
Title: Re: Say Hi and Introduce Yourself
Post by: CanuckExpat on July 25, 2012, 12:04:29 PM
Hello everyone,

Approximately thirty year old Ph.D. student from Baltimore (at the moment) here. I discovered the blog originally due to a post on the Bogleheads forum (this post specifically (http://www.bogleheads.org/forum/viewtopic.php?f=1&t=92522&start=50#p1335162)). It must have been the combination of the content and the writing style, but I really liked what I found and eventually ended up reading through all the posts and most of the comments (it's usually quite rare for me to read any blog comments). The next step seemed to be finding my way over to the forum. I'll try to keep to mostly harmless.
Title: Re: Say Hi and Introduce Yourself
Post by: Kimbl on July 26, 2012, 07:51:07 AM
Hello, everyone!

My name is Kimberly.  I found MMM about 4 months ago and have read almost every post from the beginning.  I've recently been lurking on the forums and hope to start participating.

About me - I'm a 40s something, single female with 2 youngish children.    My relatively recent divorce caused some pretty serious upheaval in my personal finances that I'm slowly bringing until control.  One of the downsides of being the parent that decided to mostly SAH and only work part-time.  I'm fortunately a naturally frugal person and a budding minimalist so things are not nearly as rough as they could be.   I have a sizable mortgage (planning on selling in the Spring) and no other debt.

The MMM postings and all the informative comments are inspiring.   I don't have any expectation at this point of reaching FI any earlier than normal, however, I am starting to feel that I will be a able to provide a good quality of life for my girls and me and fund my own eventual retirement by following much of the advice presented here. 

I look forward to our future interactions.  Be well!

Kimberly

Title: Re: Say Hi and Introduce Yourself
Post by: Cook for Good on July 27, 2012, 12:28:57 PM
Hi everybody! I'm really excited to have found Mr. Money Mustache and all of you. I'm Linda Watson, the Cook for Good lady. I help people save money, eat well, and make a difference by cooking delicious, seasonal food from scratch for $5 a day per person or less using mostly organic ingredients and just $3.21 a day using good, thrifty ingredients. I found this site because MM1970 reviewed my book so kindly that just made me blush again when I looked up the link: http://www.mrmoneymustache.com/forum/ask-a-mustachian/brand-new-lady-mustache/msg15746/#msg15746 (http://www.mrmoneymustache.com/forum/ask-a-mustachian/brand-new-lady-mustache/msg15746/#msg15746) She grouped my Wildly Affordable Organic with one of my favorite books, Amy Dacyczyn's The Complete Tightwad Gazette.

For the last two weeks, I've been focused on my Summer Challenge a try. The polished Encore Challenge starts tomorrow and I though some of you might want to give it a try. It really shows how easy, delicious, and downright cheap it can be to cook seasonal food from scratch. The first week uses my 20 minute a day starter plan and the next week you cook everything from scratch. http://www.cookforgood.com/challenge/ (http://www.cookforgood.com/challenge/)

I live in Raleigh, NC, with my husband (or Taster as he's called in my book. What a brave man!). When I'm not cooking, I'm gardening, walking, swimming in the public pool, reading (mostly library books) and volunteering for community events. I'm looking forward to learning a lot from all the Mustaches! ... Linda
Title: Re: Say Hi and Introduce Yourself
Post by: ivormustache on July 28, 2012, 10:08:39 AM
Hey everyone.

I'm not exactly new to MMM but new the forum only. I'm a 26 year old South African guy paying off some student debt and enjoying the natural progression of my financial and emotional freedom I've gained by tapping into the MMM way of thinking!

I'm a rookie rock climber and obsessed with my own finances (in a good MMM way).

"Let what is be." - Eckhart Tolle
Title: Re: Say Hi and Introduce Yourself
Post by: wiferkhart on July 30, 2012, 01:43:46 PM
Hi - I've been a lurker for a while - getting inspired by the mustachians and then realizing that the husband and I are one of you. 

We homestead part-time in rural Wyoming but maintain regular jobs and a condo in Denver.  We're building a weekend/retirement home from found/recycled objects and working toward finding jobs that let us do what we love AND give us plenty of building time.
Title: Re: Say Hi and Introduce Yourself
Post by: ak404 on August 01, 2012, 10:41:21 AM
Hi, I'm Greg and I'm a bike mechanic who's waist-deep in debt from school loans.
Title: Re: Say Hi and Introduce Yourself
Post by: Nia on August 02, 2012, 02:33:45 PM
Hi there - I stumbled onto MMM quite by accident when I first started researching debt reduction. At that point, I had only just woken up to the fact that living beyond my means was not the smartest or most sustainable way to go about things, and I was beginning to look into ways to reduce my massive pile of debt.

I went for Maximum Mustache and started reading the blog from the beginning, and now I'm completed converted.

I'm coming from way behind… I'm not young, I'm buried in debt, and I have no savings to speak of. But I do have a few things going for me, like earning a good salary and the personal tendency to be like pitbull with a juicy bone when I really want something. And I really, really want an exit strategy from Cubicle Life.

So I created a budget and made a plan to get out of debt and start building a stash. Step 1 in my plan was definitely the most painful – I gave up my beautiful money-pit of an apartment in the city 20 miles from my job and moved into the spare bedroom in my mother's apartment, which just happens to be exactly 2.5 miles from the suburban office where I work.

Nothing says "I'm serious about this sh*t" like moving in with your mother at 40, right?
Title: Re: Say Hi and Introduce Yourself
Post by: Relevant on August 03, 2012, 04:00:02 PM
Hi,

I'm Leo, age 51, and on target for FI in 4 yrs, 7 months, and 17 days. Although I didn't know it until today I've had mustachian tendancys my whole life. I'm an avid DIY from carpentry, plumbing, electrical, auto mechanics, taxes, finances, etc...

I joined the group to share and learn. I recently launched my own web site to help people with their IRA and 401k plans. All of the information on my site is free. I only offer one small service and I openly state in my about page that 50% of net profits will be donated to charity. My primary motivation is to help others attain a secure retirement and to share what I've learned over the years.

I am happily married with 1 daughter in college.

www.RelevantInvestments.com (http://www.RelevantInvestments.com)
Title: Re: Say Hi and Introduce Yourself
Post by: The Fleetwood Project on August 05, 2012, 10:51:07 AM
Hello all, my name is Peter, I am 20 years old and studying chemical engineering. I am just starting off my life as a mustachian, so my path to FI is a long one.

Fortunately, my parents were fairly good with teaching me financially. I will graduate with zero debt, and have been fortunate enough to put myself through school with help from my parents. Anyways, I am here to learn, and look forward to conversing with you all!
Title: Re: Say Hi and Introduce Yourself
Post by: derekh on August 06, 2012, 07:51:58 AM
Hi, I'm Derekh!

I am 21 years old, currently a senior in college, working a part-time job, no debt, but with only 4.5k in savings.

I hope to retire by 30 to a farmstead and live self-sufficiently.

My current major goals are: trying to play the dating game frugally and find someone who shares my interests, getting a second part-time job, trying to tell my family I'd rather be a farmer than a barrister, etc.
Title: Re: Say Hi and Introduce Yourself
Post by: totoro on August 06, 2012, 11:29:22 AM
Hi there - writing in from Victoria, BC, Canada.  I'm 40 re-partnered and recovering from the financial hit of divorce.  I'm a pt lawyer working for myself with a combined family of four children.  We are looking at FI in seven years (we hope).   Both of us are frugal but not radically so. I am learning about all sorts of investments as I was focussed on real estate previously.  Love to see people share ideas - wish I had found this 20 years ago...
Title: Re: Say Hi and Introduce Yourself
Post by: vieja on August 08, 2012, 11:46:30 AM
Hello everyone

I am 41 and own a business with my husband.  We have one child with 5 years left before graduation.

We started down this path as newlyweds 14 years ago because we found ourselves without much income around the same time.  Little by little we realized that early retirement is a possiblity.

Our retirement goal is 5-8 years away.

I am a firm believer that there is more to life than earning a dollar.  I also hate the sense of obligation that comes from needing to make money.  Bybeing frugal I can buy my freedom much more quickly than if I spent like those around me.

We don't have much of a social life outside of work but I love to read anything I can get my hands on and do online sweepstakes.  I won $26, 000 last year on a sweeps and used it for debt reduction!

I look forward to getting to know you all better.
Title: Re: Say Hi and Introduce Yourself
Post by: mindaugas on August 09, 2012, 12:25:35 PM
Hey, I'm Mike and live in the Denver area. I have no retirement goal, just like to use this site and forums as encouragement to change my lifestyle, pay down debt, etc. I didn't get any good financial teaching growing up so I got to learn it the hard way. Like many other folks out there I have credit card debt, student loans, and car payments. But a year ago I found this blog and started to change. A few years from now I should be able to pay things off and live comfortably and worry free.
Title: Re: Say Hi and Introduce Yourself
Post by: tc_traveler86 on August 10, 2012, 04:23:23 PM
Hi!
I'm Tanya, I'm an international grad student in the US.
Love the blog and will probably post a long version of my financial situation shortly looking for specific advice.  So far the general advice I've obtained from MMM blog posts, comments and forums has helped trim some fat from an already lean budget.   
Title: Re: Say Hi and Introduce Yourself
Post by: kkbmustang on August 11, 2012, 01:21:25 PM
Hi-

I live in Dallas, Texas with my husband and two kids. I found MMM from No More Harvard Debt and read it from post number one through present day in the last few days. I dream of FI but we have a long way to go and a lot to learn from MMM and you all.

Title: Re: Say Hi and Introduce Yourself
Post by: JasonB on August 15, 2012, 11:06:02 AM
Hello,

I'm Jason, a 25 year old in the Northeast US. I graduated from a Big 10 school 2 years ago with over 57K in student debt. I'm down to about 52K now. I'm off to grad school in about a week. Luckily, my tuition is paid and I'll have a cozy stipend (more than my full time job paid). While I doubt I'll erase my student debt while pursuing a masters, I am determined to at least make a huge dent in it through all the badassity I can muster.

-Jason

Title: Re: Say Hi and Introduce Yourself
Post by: Jaherman99 on August 15, 2012, 07:12:01 PM
Hey there!  I've been lurking around for quite a while.  I'm in IT like many of you here, down in the Tampa area. My name is Jeff, and I started seriously cleaning up my financial life about a year after getting a divorce from a marriage of 20 years.

I came out of the divorce with a boat payment, dock fees, a car payment, a two mortgage house and barely a break even budget.

In the the Last 3 years, I dumped the boat, paid off the second mortgage and car, refinanced my primary mortgage, read MMM end to end, and found myself a lovely new wife, I'm getting married in March.

I'm commited to retiring within 5 years.  Even though my new bride is more frugal than me (!!) she needs some convincing that we'll be FI so soon.  I'll get her on board, I'm sure :)

Looking forward to becoming freinds with you all.
Title: Re: Say Hi and Introduce Yourself
Post by: Yellow Desert Dog on August 16, 2012, 03:29:15 PM
I live near Phoenix, Arizona with my wife and 2 teenage daughters. I started getting interested in FI last December when I was offered a VSP. I declined then but when the VSP came around again in May I took it.  Still don't have our monthly expenses where I want them but making progress.  We used to spend at least $7000 per month, we have cut it down to a more reasonable $5,500 per month. So far things we have cut: 


I feel like we are slowing reducing our expenses but the big one that we are having trouble with is groceries.  My oldest daughter and I eat gluten free and she is a very picky eater.  We spend around $1,200-$1,500 per month on groceries for 2 adults and 2 teenage girls.  That cost includes cleaning supplies, paper towels, cat food and litter, etc.  We also overspend on miscellaneous stuff ~$400 per month (my wife still hits Starbucks occasionally, there is always something at school we just have to buy, etc.)

A big concern I have at the end of the year is health insurance.  As part of my severance package the company paid cobra the rest of 2012.  My oldest daughter has type 1 diabetes and the insulin/test strips are expensive! (~$3500 per year in medication). I am pretty concerned about this since she got the stomach flu in May and had a 3 day hospital stay.  I don't believe we can be denied insurance but suspect that they will charge us a lot more.

I stumbled across this site about a month ago and really like everything I have read so far.  I really am looking forward to learning more from everyone here.
Title: Re: Say Hi and Introduce Yourself
Post by: elindbe2 on August 17, 2012, 09:07:38 PM
I'm a 25 year old guy who just moved into the city to start my career.  I feel like I have a great base to start from, so I hope to achieve FI fairly quickly.  I started with 0 debt, luckily my parents paid for my schooling, and I was never the type to abuse credit cards.  I work as a software engineer for a great company in downtown Chicago and make about 80k base plus an end of the year bonus depending on my performance.  So far, I've saved up about 25k and every time I put a few thousand more in I can feel my mustache starting to sprout.

I'm interested in financial independence for many different reasons, but some of the main ones are: freedom to work as I please, dislike for consumerism, a desire for simplicity, and being able to wake up every day to make a big, lazy breakfast and sip coffee while reading for a couple hours.  I also have become very interested in music and would like to devote more hours every day to practice.
Title: Re: Say Hi and Introduce Yourself
Post by: corcoran on August 27, 2012, 08:44:30 PM
A huge "Thank you" to both MMM and Mrs. MM for creating this website and sharing your stories and thoughts.  I have to say when I read the blog posts the thoughts feel like they're my own. Over the last 2 weeks I've read all of the posts from the beginning to May '12 and I figured it was time to register.

So about me: I'm a 32 year old California dude that has been dreaming of the stock market (and compounding interest) since I was 11 (watching the DOW break 3000). Glad to see that the goals I've been idly striving to meet are already a proven course of action thanks to the MMM Master Plan.

Thanks again for the providing detail, motivation, and focus that is helping me develop my frugal muscles and my badassity!
Title: Re: Say Hi and Introduce Yourself
Post by: StashinIt on August 28, 2012, 11:58:27 AM
Greetings mustachians,

My name is Tyler, I am 28 years with a beautiful wife and our first child on the way!

We currently live in southern California but plan to move in the next year to somewhere more affordable. I then plan to start my own business and never work another day in my life (for someone else that is).

I've been reading for about a month now. I enjoy reading MMM because it is entertaining and it challenges me to look at things differently and consequently actually change my behaviors. I found this forum from a comment on Get Rich Slowly.
Title: Re: Say Hi and Introduce Yourself
Post by: NunyaBidness on August 28, 2012, 06:13:05 PM
Hello Everyone

New Whiskey Forming Mustachian here residing in NYC. I was frugal and a heavy saver but I went through it with heavy partying during  the recession and unfortanetely lost the rest to grad school.
 Well I am graduating in December with a Dual MBA and  some debt but it is interest free (engagement ring and furniture).

I am looking forward to being car less in february when my girlfriend's lease ends in February. We are also ending our $180 per month gym membership in October and using that to pay off her debt quicker.  My girlfriend is not on board with some of the mustachian techniques such as getting rid of cable. Does anyone else live in a Half-Stachian homes?

Title: Re: Say Hi and Introduce Yourself
Post by: madage on August 30, 2012, 07:51:48 AM
Matt, here. I'm 31 with a stay-at-home wife and two children aged three and five. We reside in Texas but are originally from Michigan (Go Blue! Roll the Tide!). I earn a good salary as an engineer for a large corporation, and although we do a better than average job of saving money, MMM's early retirement has inspired me to make several lifestyle changes to more quickly grow the 'stache. Also, the average American's rate of savings is worse than horrible, so comparing to average is crap.

My wife is typically supportive of proposed changes, though would prefer to generally spend the extra money freed up by said changes than supercharging the savings. It will take some work to break all of our antimustachian tendencies (about halfway through a 3-yr loan on a new vehicle (1.9%), a lengthy van-pool commute to work for me), but I'm looking forward to that sweet, sweet day when I achieve FI and no longer have to work for a living.

Thank you, MMM and Mrs MM for providing this excellent resource. I'm looking forward to participating in the great discussions here.
Title: Re: Say Hi and Introduce Yourself
Post by: dunks on August 30, 2012, 01:04:21 PM
Hey Mustachians!

I'm dunks, and I live in New England. My dream is to get to that magical place where my investment dividends can replace my income, and then I want to become a farmer/homesteader!

Would love to hear anyone's story if they have done something similar.
Title: Re: Say Hi and Introduce Yourself
Post by: kkbmustang on August 31, 2012, 04:34:30 PM
I've been posting elsewhere in the forum for a week or so, but just read this string. I found MMM through No More Harvard Debt.  I'm married, 39, the Hubs is 42, and we have two kids (7 and 9) and one dog. We live in Texas. 

Title: Re: Say Hi and Introduce Yourself
Post by: Tradies wife on September 01, 2012, 05:24:19 PM
Hi Out there,
Chris (34) and Belinda (32). Two lovely kids, 5 and 3. Checking out how you Americans do things differently, and what are the 'universal' badassity traits are. We are living in country Victoria, Australia.

From Mrs. Tradie. We are probably at a whole different stage, and I haven't found anyone yet who is doing a similar thing. We have been really frugal with our money, and managed to accumulate 'stuff' that generally makes us money. Like a couple of investment properties. I am currently on family leave from teaching Secondary students. This allows me to do casual relief work, while maintaining my job for up to 7 years while my babies grow up. Just got asked to make the decision if I want to return to work next year. To be honest, although the money would be handy I love spending time with my kids more.

Mr. Tradie is a Diesel mechanic, and we operate our own buisness. So work times are flexible. A huge amount of effort goes into the buisness, particularly around hay season. But then, it does allow him to do the occasional Kinder drop off and pick up, and have lunch at home a few times a week most weeks.

Our income is very small, but we live life BIG! I buy things with cash not credit. We grow food, we go fishing and camping. We are frugal. And I would also add that after reading MMM we have brought a family cargo bike, to become even more frugal.
Title: Re: Say Hi and Introduce Yourself
Post by: Wendyimhome on September 04, 2012, 08:56:55 PM
Hi All,

I've been reading for some time; finally registered.  Really cool site here.  I like the Mustachian philosophy and writing style.  I'm a lawyer by trade -- believe me, it's no easy way to the Mustache.

I'll be posting from time to time, especially for moral support in the face of a spouse who is a bit of an Anti-M.

I'm trying to convert her with daily blogging on the subject, but, so far, with no success.  By the way, in a shameless, but Mustachian, pitch at free publicity, my website is http://practicalfrugalliving.wordpress.com/   It's a far cry from MMM, but I think it complements it well.  Looking forward to some interesting chats...




Title: Re: Say Hi and Introduce Yourself
Post by: cambridgecyclist on September 06, 2012, 11:26:36 AM
Hey everyone; I'm cambridgecyclist, I'm 37 years old and I stumbled across this blog about two months ago. It really resonated with me since I've already been living well below my means, and it's inspired me to reach a new level of badassity by cutting down expenses even more! The most limited resource I have right now is time; the idea of getting more time to pursue my interests is incredibly appealing.

I live and work in Cambridge, MA. By day I work as a network designer and help build the Internet. I have a side hustle providing web hosting and programming services, which creates a small mostly-passive income stream, pays for my home Internet and cell phone, and generates the occasional lucrative but brief consulting gig. I've been commuting by bicycle for over a decade, with a break of a few years when I moved out of the city for a while. Outside of work I spend time learning new skills or practicing the ones I have. I'd rather create something than passively consume! In the last year I've learned how to TIG weld, built a crazy bicycle with eccentric hubs, built a bike trailer from scratch (in the process learning how to use a hydraulic tubing bender), built several bicycle-mounted stereo systems, learned CAD in order to make a 3D printed control panel for two of those stereo systems, rebuilt a half dozen bikes and sold them on Craig's List (not profitable -- break-even -- but fun), built an irrigated urban garden with ridiculously productive vegetable plants, converted a busted 9 speed bicycle into a slick singlespeed, made a bicycle with an electric plasma taillight and built a custom case for it (learning how to use a bandsaw in the process), and reconditioned a bicycle frame jig with the help of some friends. I've also built three huge workbenches with shelves and one freestanding shelf, picking up some structural carpentry knowledge in the process. I built a ZFS-based file server from mostly spare parts. I make award-winning homebrewed beer, cider, wine and mead (great for barter and as gifts, and easy on the wallet too).

My partner and I's biggest challenge financially is that the cost of living here is really high -- however -- we really love living here, our friends and community are here and family is close enough to visit on the weekends. We rent an apartment that is much nicer and less expensive than anything we could buy around here. Fortunately we both share the same outlook on frugality, although she's less comfortable parking money in dividend-paying investments than in standard savings accounts (we maintain separate bank accounts and personal finances, although we don't split hairs with joint expenses). She's got side hustles teaching Suzuki piano and as a hula hoop performance artist, and by day works as a project manager. We both make good money at our day jobs and have backup interests that can be spun up to generate more income if the primary jobs disappear (although that's unlikely to happen).

Reading MMM inspired me to track expenses more closely by signing up with mint.com and we've dropped over 50% off our monthly grocery bill in the last two months by being smarter about where we buy groceries. Otherwise it looks like we're somewhere between 4 and 6 years to complete FI with a comfortable buffer, although I'm itching to get there sooner!
Title: Re: Say Hi and Introduce Yourself
Post by: JoieDeVivre on September 06, 2012, 09:57:53 PM
Hi, I'm JoieDeVivre, 26-year-old wifey to a wonderful guy and chief herder of 2 rascals under 3 years. I get the feeling we make quite a bit less than MMM's target audience, so by the time our income kicks up, we're gonna be freaking frugal ninjas!

Life is interesting around here with 4 generations under one roof--we rent a room from my parents, and my grandparents have recently moved in as well. It's not for everyone, but so far we scratch each other's backs and get along pretty well. I'm also quite amused when we go out someplace together; we make quite a procession.

I'm a recovering Dave Ramsey follower, although I'll never get over my allergy to debt (nor do I want to!). We have about $9000 in student loans to knock out, and then I'll start to breathe again.

Aside from keeping the kiddos from tearing the place apart, I like to make science experiments in my kitchen (kefir, anyone?), and I'm working toward becoming a natural childbirth educator. Yep, I'm one of those crazies who had her babies in her bedroom--and it was awesome! Ciao.

Title: Re: Say Hi and Introduce Yourself
Post by: SilverForge on September 10, 2012, 09:46:34 AM
40-something fellow "waking up" from the "American Dream"... to the reality of serious issues... Gonna start a family- just bought the "MiniVan" (no kids yet- but if you build it- they will come philosophy!)... and wondering How to STOP digging the holes I am in... already learned one lesson- STOP DIGGING! HA!
Title: Re: Say Hi and Introduce Yourself
Post by: Pollyanna on September 10, 2012, 12:03:45 PM
I found this blog a couple months ago, but just registered today to participate in the forum.  I'm 55, married for 29 years, two grown sons 24 and 27 who are fortunately out in the workforce at good jobs.  We always thought we were being pretty smart money-wise, but if I knew "then" what I know now (and am still learning), I'd be FI by now.  We did pay totally for our boys' 4 years (each) of college, always participated in 401K (to the max after a few initial struggling years).  But we had a somewhat spending lifestyle and even now need to work on weaning ourselves from it. 
Title: Re: Say Hi and Introduce Yourself
Post by: Solo on September 10, 2012, 09:29:08 PM
Hi everyone. I've been following MMM for about a year now, ever since Lifehacker (if I remember correctly) linked to one of his posts and drew me here. Since that day, MMM has been one of my required reads each week as it overlaps with many of my own interests and values.

A little background; my wife, newborn son, and I (37) live in a fully paid off house the NY Metro area. With hard work, a little luck, and a lot of self control (I love technology, gadgets, and home theaters, all of which can eat into any well laid financial planning if not careful), we're debt free outside of a mortgage on a Manhattan studio apartment that I purchased in early 2001. We consider it our retirement home, or if that doesn't pan out, a very nice long-term investment. Even with the real estate bubble, it's worth double what it cost. :-)

I'm not one for getting involved in online communities, but considering the topics and lively discussion MMM generates, the genuine spirit to help one another, and the shared interest in FI and DIY, this seems like a good place to get my feet wet. I'm truly looking forward to participating and I hope I can help even half as much as this blog has helped me over the past year. See you around!
Title: Gday! .. an aussie version of Hi
Post by: vinaeco on September 11, 2012, 12:28:46 PM
Gday All

new to the forum, I'm an Aussie in the US making software so people can make better decisions financially..  we believe the key is to get your income, spending & debt under control.

Super interested in studies into the link between money and happiness and the difference it makes when people choose experiential consumption over material consumption

We hope our tools will help people get better connected to their financial reality (constraints!) and in doing so work out how to be happy living within their means

Look forward to connecting with people here and sharing my experiences!

Vincent
Title: Re: Say Hi and Introduce Yourself
Post by: namimomoftwo on September 11, 2012, 07:16:23 PM
Hi, I'm Nami, a mother of two toddlers, married to a wonderful hubby for over 10 years.

I found MMM through Jacob's site and have been lurking till now.

MMM and his community are great! We can change the world~.


Title: Re: Say Hi and Introduce Yourself
Post by: josephpg on September 12, 2012, 10:23:31 AM
Hi, im joseph, im 20 and im living with my parents. I discovered this site through hacker news, and latched on recently as my family has experienced financial difficulties. im currently trying to save up money, i have 2000 right now, trying to get it to 3000 by the end of the month while learning how to live as cheaply as possible in order to attain a 50% savings rate when i move out. I have two jobs, one of which is looking to hire me full time in a few months. I also have a lot of family and some good friends. Im here for advice on how to grow faster and be stable, as well as what i need to buy and how to spend my time. I used to want to retire by 35 after getting a degree by 25 and working 10 years in software to save up all i needed, but my mind has been changing a lot lately. i hope i learn a lot here.
Title: Re: Say Hi and Introduce Yourself
Post by: Ryan on September 12, 2012, 07:27:33 PM
Hey all

I am 20 years old, my wife is turning 19 on Saturday .  We plan to be FI around age 30-35.  Our current goal is to buy a fixer upper house and turn it into a rental.  Neither of us had plans for college so we went straight into the working world.  We currently bring home 40-50k and save 50-60% of that.  I grew up poor with a father who made poor financial decisions and she grew up on a farm.  So we are both very frugal and happy with the simple things in life. 
Title: Re: Say Hi and Introduce Yourself
Post by: maryofdoom on September 13, 2012, 10:24:44 AM
Hi friends,

I'm Mary, as you might have guessed from my username. I'm 30 and my husband Spencer (name changed to protect his paranoia) is 32. We live in southwestern PA, right outside of Pittsburgh...or, as the locals like to call it sometimes, Pennsyltucky.

We are farther along on our FI journey than many people I know. Spencer's always been a saver, as evidenced by his holding two jobs right out of college and paying off his student loans before we even met. I went to cheap state school and had money left in my college fund for grad school, so when we got married in 2009, it was refreshing to not have student loans to worry about.

Right now I make $48k/year as an editor and technical writer, while he makes $40k/year plus an annual bonus as a draftsman/one-half his office's IT department. Our financial goals mostly revolve around paying off our house and car loan (I know, it's a dirty word around, but we're working on it as fast as we can).

I think we differ in our approaches to money. I think of money as a tool that allows you to do the things that you want to do, while he views it as a necessary evil that you need and can keep you from doing the things you want to do. He is very much of the mentality that "Once you get a job, you hold on to that job for DEAR LIFE AND NOTHING WILL TAKE IT AWAY," whereas I don't see the point of sticking it out in a miserable work situation until I'm 65.

We are also firm believers in the side hustle. I do freelance editing projects, while he plays drums in a moderately successful local swing band. His gigs paid for a lot of the activities we did while we were dating, and now they pay for him to get lunch at work throughout the week. I'm looking to expand my editing work through a variety of avenues, but we'll see how those work out.

Spencer's hobbies include woodworking, riding the unicycle, and playing bagpipes, while I enjoy reading and embroidery. I'm looking forward to getting to know all of the Mustachians around these parts!

(And yes, I was on Jeopardy! in 2010. I only won $1,000, but I had a blast.)

Title: Re: Say Hi and Introduce Yourself
Post by: Angelfishtitan on September 14, 2012, 02:04:43 PM
Guess I should have started here, but whatever!

Hi, my name is Justin. I am 24 (going on 25, innocent as a rose), and hope to be FI at about 35. I will probably continue working part-time (at least for a little while) after that just because I do like what I do, just not being forced to do it. I live in the middle of Connecticut with my lovely wife, currently renting, but soon to be buying a house. I am part of a company that designs military engines as a project engineer (for people who don't know what that is, I manage project financials and make sure the project runs smoothly with all the other disciplines on it).

I enjoy brewing (when I wasn't renting), gaming of all the various types, and cracking things open to know how they work. I am happy to have found this site and the community that comes with it, it is a refreshing pace from most of the other finance sites.
Title: Re: Say Hi and Introduce Yourself
Post by: Dr. Doom on September 15, 2012, 02:50:05 PM
Hey

  Really happy to have found this community.  I'd been reading FIRE posts for a couple of years but realize my philosophy is closer to MMM, which is that I don't want to retire, but instead move toward meaningful and varied work which doesn't lock me in to 40-50 hour weeks. (which, after you've lived through enough of them, start to feel like an endless forced march toward death.  Probably because they are.)

I live in the Boston area, just hit my 35th birthday, and co-own a home with a great gal.   No kids.  We both have been working in computers (IT and software development) for 14 straight years and it's been old for at least 11 of them.  It's not that the work itself is completely horrible, but the politics, 24/7 system support, and relentless demands of the business grind everybody down over time.   

The good news is that, despite job hopping a few times, we've never had any gaps in employment and we're both on the frugal side, saving around 50-60% of our salaries yearly.   

However, we're in a period of limbo because
a) money hasn't been an issue in a long time
b) we've stockpiled a ton of assets in our 401(k) accounts, as well as outside investments (she has a paid off rental condo in Boston and I have a decent portfolio with Vanguard)
c) it's no longer exciting to just watch the money pile up.  We're confident and calm but also somewhat bored and need to make some decisions as to how to define and approach the next phase of our lives.

I have a feeling that the way to find the path forward is to embrace badassity. 
Title: Re: Say Hi and Introduce Yourself
Post by: PJ on September 15, 2012, 02:52:52 PM
Hi all! 

My name is Pam and I've been lurking on and off for quite a while, but finally decided to connect into the community.  I'm single, no kids, and I live in Toronto, Canada.  I have a very un-Mustachian number of pets (4 cats, 2 dogs), and live in a house rented from my parents.  I'm a vegetarian, an amateur artist, and I love to read.  Oh, and while trying to get my financial house in order, I'm also working hard on decluttering my home, and am active in the forums on the website unclutterer too (I'm PJ there too).  I actually think that the work I've done to declutter has been instrumental in clearing my head enough to tackle my financial mess too. 

I've spent most of my working life in the developmental disabilities field, but a few years ago I went back to school and got my Masters of Divinity.  I was ordained as a priest in the Anglican church in January, and have been working in a church in north/central Toronto since June 2011.  While going to school I made a lot of poor financial decisions and have accumulated a bunch of debt, which is spread between a line of credit and a relatively low interest rate credit card (why yes ... I have run around screaming as if I'm being attacked by killer bees, and I do find myself punching myself in the face repeatedly!) 

I'm not sure that I see myself even wanting to retire early, but I do want to have a better quality of life while spending less money and being more mindful of the environment, and also provide myself with financial security for when I do retire.  I'm definitely on board with some of the Mustachian ways of living, and can probably take on more of them in order to dig myself out of debt as quickly as possible.  Looking forward to the journey!
Title: Re: Say Hi and Introduce Yourself
Post by: pippingeek on September 15, 2012, 03:43:01 PM
Hello to all the gang here

Been reading for a while, wanted to get caught up before I hit the forums.

I'm Pip, 37, single in NYC, $30k in grad school student loan debt (and of course I didn't complete the PhD, so I'm currently overeducated and underpaid) and about to take on $75k more, but that will put me in a program that will give me a $100k starting salary in a recession-proof health care career, so I think it's a good move overall. Rent could be cheaper as I only share my apartment with my cat, but I don't own a car, I bike to work 3 days a week (the other 3 days I take the subway into the city for school with multiple stops and often 14 hour days, so I feel entitled), don't have a tv, wear jeans and a tshirt to work every day, and generally don't really spend on anything nonessential but drinks with friends. And as a lightweight, the bar bills are not so bad, though I'm trying to cut out the drinking at least for a couple months.

Just starting to get a handle on money as it's only in the last few months I haven't been living check to check (was making about $18k when I started my job a year ago, am now one of the people running the place and making at least twice that, but it took a little time to get there), I was without a home for two months over the Christmas holidays, it's been a crazy year. And I just want to not be poor anymore, and be able to have the opportunity for crazy (to me in the past at least) ideas like investments and passive income. We'll see, I've got a long road ahead of me, both with school on top of a 40 hour work week just to get into a grad program, a massive loan to do it, and probably 4-7 years before I am out and working. But meanwhile at least I love my job and can choose my own hours, so that makes it a lot less like work while I'm trying to pay down my debt and find time to study and occasionally have a social life.

So hi! Glad to come somewhere with an automatic team on my side!
Title: Re: Say Hi and Introduce Yourself
Post by: WootWoot on September 16, 2012, 12:01:32 PM
Hi, everyone!

I am 48 years old, married, college graduate who has no debt (woot woot!). I was unemployed for two years and am just getting back on my feet. I am happy I found a job but it pays less than my last job, and I'm afraid I won't be able to meet my obligations. Luckily I have a cheap home and paid-off vehicle. I'm wondering if I can make some changes that will lower my monthly bills, though. I *THOUGHT* I was living quite frugally...but maybe not (just posted about phone bills in another thread).

Nice to meet y'all!
Title: Re: Say Hi and Introduce Yourself
Post by: Darrell on September 19, 2012, 02:08:03 AM
Hello fellow forum fans.

My name is Darrell. My wife and two kids (17 & 13) and I live in Inuvik, which is in the Northwest Territories, Canada. I (and the kids) are Inuvialuit, and my wife (Stacey) comes from a Danish-Canadian heritage and was born in the beautiful province of Saskatchewan. I love Canada and have seen almost every inch of this country - from coast to coast to coast.

I'm in my early 50's (actually considered an elder in my culture, which fact still amazes me) and am working on overcoming a peculiar condition ... I've never, ever, worried about money. My family is completely debt free ... no mortgage as we rent (although we have owned a home before - loved the experience but will never own again - would rather invest our way to FI) and we are now discussing the concepts of "badassity" (I love the whole idea but am facing some resistance) and how to begin implementing this as our household culture. I've been reading the MMM blog (and it's varied tangents) for a couple of weeks now and am enthusiastically enthralled. I appreciate everything about the blog and especially love reading the comments sections - I hope to start contributing soon.

If any of you fellow Mustachians ever make it to my end of the world, let me know and please stop in ... I'll provide the low cost (five-cent) tour ... all are welcome here eh!
Title: Re: Say Hi and Introduce Yourself
Post by: oxide23 on September 21, 2012, 11:19:17 AM
Hi Everyone, I'm 44, no college debt, but I do have a small mortgage. I do my best not to waste money on anything silly. I've always been interested in efficiency and high quality. To reduce my need for money I ride my bike as transportation(most places, but I do own a small car), installed PV solar panels and thermal solar panels on my house. I had my house insulated and sealed to save on heating. I heat my house with wood as much as I can. I also bought the smallest house I could find in town, within biking/walking distance to work and stores. I did about 90% of the fix up work myself. I replaced my yard with a vegetable garden and I keep bees and sell a little honey. I save (and invest) a bit under 1/2 of my after tax income. I like to live small because I really don't need all the stuff my culture tells me I need. I also enjoy fixing things. I don't really plan on retiring, but at 52 I should have enough to do so. I began saving seriously at 26. I live far below my means. In the event that I die before I retire, I know my family will be stronger for my lifestyle. I'm very happy knowing that. I have everything I need. I feel lucky and very happy with life. Good Luck everyone.
Title: Re: Say Hi and Introduce Yourself
Post by: 10moreyears on September 21, 2012, 06:27:03 PM
Hi, I found this site back in the spring and have been reading every post. Thanks MMM for the punch in the face! I have been reading PF blogs for several years but the content and discussions here are unmatched anywhere else. I have always been somewhat frugal but this site has lit a fire in me. I'm 50, married with 2 high school age kids. I'm ready to plan my exit strategy from the corporate rat race. Looking forward to participating in the discussions here.
Title: Re: Say Hi and Introduce Yourself
Post by: J.O.S.H. on September 23, 2012, 03:13:56 PM
Hi, I'm Josh. I'm 19, about halfway to FI, and plan to retire on my 21st birthday, if not sooner. This stuff is pretty easy, no? :)
Title: Re: Say Hi and Introduce Yourself
Post by: ClimbingRocks on September 25, 2012, 12:20:51 PM
Sweet! People who won't think I'm psycho for ditching the car and buying a bike!

Hi, I'm Rebekah. I'm 30 and in the process of rebuilding from a divorce (I wanted nothing and that is exactly what I got). I'm planning to return to college in January to keep working on my engineering degree, and I have just found a full time job in addition to my part timer, so hopefully I'll be able to stop couch surfing and start building up some savings and retirement within the next few weeks. I've lived on nothing for the last couple of years and am looking forward to continuing that habit while I (finally!) start to re-grow my 'stache. It's nice to find people with a similar mindset :)
Title: Re: Say Hi and Introduce Yourself
Post by: Laina83 on September 26, 2012, 06:49:49 AM
Hi! I'm Laina. My husband and I are in our late 20s and are on our way to FI!We have a 15 month old and have been having fun proving that you can have kids without breaking the bank. We both work full time which is hard since we wish we could spend more time with our kiddo. At the moment we are chipping away at student loan debt and an auto loan (used 2008 prius), contemplating selling our second car (2007 yaris hatchback) and squirreling away all of our extra cash into index funds. We look forward to proving that we can retire before 40!
Title: Re: Say Hi and Introduce Yourself
Post by: KulshanGirl on September 26, 2012, 10:46:07 AM
Hi all!  I'm Megan.  I followed a FB link to a post here and then sat and read the entire blog from start to finish.  WHEW!  I am glad to report that I am pretty good shape at this point, but I could use some help from here forward for sure!

I'm 41 and bought a house right before the boom, in 2002.  It's a tiny 600sf cottage with a low mortgage amount refinanced at a great rate, and it's within 2 miles of absolutely everywhere we need to go in an awesome pacific NW college town.  I couldn't rent for what I pay on my house now.  Score!  I am unmarried but live with my husboyfriend and our 2 year old.  We have separate finances, it's a long story but it's best for us. 

I have no consumer debt and paid cash my used 1998 Volvo XC70.  We both work full time so daycare is our biggest expense right now.  I know it's seen as unmustachian to have a child in care, and it was difficult at first, but now I have to say that it's wonderful for us.  She is happy, bright, independent, creative, and she LOVES her school.  She comes home every day looking like she got dragged through paint, gravy, pine needles and smiles.  I really do see it like she spends her day with "the village" with friends and beloved and trusted adults.  I know it's not perfectly ideal and I would love to stay home with her.  YMMV but I heart our daycare, and right now we both do need to work.

I make $40K per year, plus bonuses that end up being around $8K.  Between my contributions and my employers, I put 21% into my 401k. ($51k in that as of now) I am pretty frugal, and after all the bills are paid (husboyfriend pays half of expenses) and some is set aside for things like property taxes and insurance, I have around $600 per month left over, and about $1500 per quarter also from the bonuses.  In the past I have added to my "F-this" savings/emergency fund, ($12k in a savings account) but then it kind of piddles back out for this and that.

My biggest leak is that I am adult fan of LEGO.  *hides*  It is a hobby that brings me a huge amount of joy and happiness, and it's something that I can share with my child when she is older.  But man, it is spendy.  I have toned it way down though.  *punch self in face, etc etc*

The big question is ... What should I do with my roughly $13K per year?
1.  Max out my 401k or
2.  Pay off my mortgage in about 5 years or
3.  Stuff it into a Vanguard fund and let 'er rip or
4.  Some combo of those things

I'm not looking to leave my job any time in the very near future.  I love my life how it is now although I'd like to go part time when my daughter is in grade school.  I just want to know how best to deploy my employees.  Right now I have quite a few of them, but they just sit around.  :)

So gald to find this community! 
Title: Re: Say Hi and Introduce Yourself
Post by: deselby on September 28, 2012, 03:34:17 PM
Hello forum! My name's Brett and my fiancee and I currently live in Boulder, Colorado, though we're originally from Northern California. After my unsuccessful PhD experiment came to an end in February, I was saddled with a big chunk of student loans and no job. Around this time I discovered MMM, and my fiancee and I both adjusted to a more Mustachian lifestyle, with the goal of eliminating our combined debt by year's end.

Now things are looking pretty good. I've got a full-time job (and some part-time work) and we're less than two months from being completely free of our debts, and we see no reason to change our habits in the future.

I'd say the most profound thing we've learned in the past several months is that living a life of delayed gratification, low consumption, hard work, and self-reliance isn't just a recipe for getting your finances in order. It's a recipe for leading a happy, fulfilling life, and early retirement is the byproduct!

Thanks to Senor 'Stache and family for the inspiration!
Title: Re: Say Hi and Introduce Yourself
Post by: ErinG on September 30, 2012, 06:46:27 PM
Hi, I'm Erin! I'm a married mother of 3. I work full time outside the home and spend the majority of the rest of my waking hours parenting and running the household and worrying about the bills. I'm still trying to figure out what other interests or talents I have.
I've been reading the blog for a couple of months and just recently discovered the forum. Yay! I'm happy you're all here and I'm happy to be here! I think it's a great place!
Title: Re: Say Hi and Introduce Yourself
Post by: GuitarStv on October 02, 2012, 09:38:01 AM
Hi!  I'm Steven, and have been reading the blog for a couple of weeks.  I'm currently living in the east end of Toronto, Ontario (Canada) with my wife.  We're both software engineers, and have worked hard to live debt free up to this point (excepting our mortgage, which we hope to have paid off in the next five years).  None of my friends, and few of the people in my life are very frugal, and MMM's blog has really made me feel better that there are other cheapies out there like me!
Title: Re: Say Hi and Introduce Yourself
Post by: crajoh71 on October 04, 2012, 01:42:44 PM
HI! im John,
Graduated college last year. I got a great job right after graduation and I am trying to retire by 40. Damn student loans.
Title: Re: Say Hi and Introduce Yourself
Post by: Kamikaze Emu on October 04, 2012, 01:56:49 PM
Hi, I am Jason.

I found the blog a few months ago and the timing could not have been better!  I just turned 31 and I am three months away from eradicating a $20,000 debt wall that I have been working on for the last 21 months.  The blog has been great for me as I was already in a semi-frugal mindset with my debt repayment goals and it has given me great motivation to put that debt away asap and start planning my exit strategy.  I hope to be semi-retired and living on my not yet purchased homestead in 15 years or less!  Keeping that in mind I find more and more motivation to push my savings rate higher and I am really looking forward to keeping my savings instead of seeing it go to debt repayment.

Cheers, and thank for all the help so far. 

Title: Re: Say Hi and Introduce Yourself
Post by: Erica/NWEdible on October 05, 2012, 10:57:08 AM
Hi, I'm Erica.

I'm really good at growing my own food, not taking on debt and not wasting food. I really suck at getting my electricity usage down and I live in a house that is more than we need but we love it. Oh...and I have an SUV. So, you know, maybe I have stubble, maybe not. :)

We're in a good place financially, which is something that became apparent from reading MMM and re-working my definition of "enough to retire". We are debt-free. I want to cut out waste from the budget and our lives for financial, philosophical and environmental reasons. Although I've never been the world's biggest shopper, for about the past 5 years I have become more and more disenchanted by *stuff* (buying it, maintaining it, cleaning it) and we are at the point where there is nothing we want more of except time.

We are shooting for ER (or perhaps semi-retirement) because my boy is two and we realized that my daughter mostly got the benefit of two SAH parents for her early years. It was *great* and I want the same for my son. We figure it's kinda now or never. Making that shift is more of a psychological thing at this point. ("Oh, you mean I *don't* have to play the bullshit corporate climber game? You mean I can just opt out of that whole system? AWESOME!")

I write a blog called Northwest Edible Life (www.nwedible.com (http://www.nwedible.com)). It's mostly about gardening, home preserving, cooking from the garden, keeping chickens, DIY home hacks, urban homesteading, etc. The gardening stuff has a strong Pacific NW bias because that's what I know. We talk about frugality and values-based spending too sometimes, but mostly it's how-to's and garden porn. :)

Thank you for this really excellent resource and all the inspiration that is built into the MMM blog and community. Solid work, Mr. & Mrs. MM.
Title: Re: Say Hi and Introduce Yourself
Post by: Nurse Frugal on October 05, 2012, 03:30:16 PM
Hi, I'm nurse Frugal.  Trying to fight the daily struggles of my alter-ego: Mrs. Complainey pants, and trying to stay on track to be a bad-ass mustachian.  Husband and I are currently trying to pay off our house, hopefully by this time next year ;)
Title: Re: Say Hi and Introduce Yourself
Post by: prudence on October 09, 2012, 01:09:27 PM
Hi All,
I'm Beth and discovered Mr. Money Mustache about a month ago and have since read this blog from start to finish. At 50, I'm late to this game but eager to get to the finish line.  I have always been frugal but spent almost 20 years with a partner making bad financial decisions and I lost a lot of ground. Ive been divorced 6 years now and have gotten myself back on track.  I'm debt free except for a 15 year mortgage on a house I bought 4 years ago. I live in the very expensive northeast and work in IT.
I'm looking forward to more inspiration from all the badasses on this blog!

Title: Re: Say Hi and Introduce Yourself
Post by: yolfer on October 09, 2012, 03:47:56 PM
I'm Joe. I've been reading MMM and posting on the forums for a little while but forgot to do an intro.

I'm 32, married, 3 kids. We live in Seattle, WA at our "Urban Homestead" (with chickens and a garden).

When I'm not reading MMM, I enjoy being a dad, cycling, running, music, video games. For paid employment, I'm a software developer. Calculators say I'm to be FI in 10 years, but who really knows? I'm just enjoying the journey for now.
Title: Re: Say Hi and Introduce Yourself
Post by: wagonwheeljr on October 09, 2012, 05:59:30 PM
Hello, my name is Gerry and I am in pretty deep but with some sacrifice and planning I intend on winning my FI! This will happen!
Title: Re: Say Hi and Introduce Yourself
Post by: savingtofreedom on October 11, 2012, 03:21:07 PM
Hello,

I have been lurking on the site for some time now and I am looking forward to finally join the community.

I have always been a rather frugal person - other than my clothes hoarding shopping tendencies (always at 70 - 90 % off).  Husband and I have put away a pretty good amount but would like to build up as much as a savings cushion as possible and continue to cut the expenses to allow ourselves early retirement.

I am 32 and I am pretty confident I can make this happen by 40.

Looking forward to hanging out with some other frugal folks.

-savingtofreedom
Title: Re: Say Hi and Introduce Yourself
Post by: frompa on October 12, 2012, 06:34:28 AM
Well, I've been poking around here for months, and posting once in a while, so I guess I should introduce myself.  I am middle aged, been pretty frugal my whole life, but have been dealing with the financial consequences of big health problems for one of my children (I have two) a few years ago, followed immediately by a quite unexpected divorce after 25 years of marriage.  Wahoo, what a ride it's been! Also, because of my ability to live on next to nothing, while I was dealing with this mess, I really didn't have to make much money, so I didn't; now, I'm facing reality and looking to mega-ramp up my income and 'stache. I'm debt-free, including owning my house free and clear.  I really enjoy the quality of MMM's writing, and the depth of insight I find in his pieces as well as in the comments and forum entries.  Thanks all, you have already been an excellent source of information and support!
Title: Re: Say Hi and Introduce Yourself
Post by: flyfamily on October 12, 2012, 10:27:50 AM
'Hi' to everyone.

My husband and I have been together 20 years. We have two, school aged children.
We made a conscious, motivated change approximately 3 years ago to live more simply and prepare for husband's retirement from his 1st job.  We had relocated the year before, which meant that I had to leave my career of 10+ years.

I became a homemaker, which has helped our family downshift. We sold 1 of our 2 vehicles, and we paid cash for a motorcycle for husband to commute to and from work on. He's been riding for 2 over 2 years now. We also scaled back our housing costs to well below our monthly allotment and began paying off debt, to where we have now been able to live on less than 50% of our net household income! We still have more debt to repay (along with the 1 auto loan). However, we're on track to be completely debt free, have savings, all before his retirement. He'll have a pension (gov't), and we do not have long term plans as husband is in Aviation.. so we could go anywhere around the world. With that in mind, it's opened us up to the realization that we can live life on our terms, that it doesn't have to be defined by working 60+ hours per week or both of us working full time and spending it all on lifestyle and expenses.

A year after we began making changes, I was diagnosed with two incurable diseases, which my specialists are still trying to get under control. It really reinforced for us that the decision to simplify and carve out a future with less stress, was the right move.

We also have a family homestead, with our portion being 10 acres that we have a 1 bedroom cabin (electric only) sitting on. We don't have long term plans there, at the moment. However, wherever in the world we may end up after his retirement, it will give us a home base. The land has been in his family over 100 years, so it's an important part of their heritage.

That's about all.. enjoying the boards!
Title: Re: Say Hi and Introduce Yourself
Post by: inthebiz on October 12, 2012, 11:46:44 AM
This community is amazing. Thank you for building such a great resource.

I'm in the financial services industry and and recently moved from downtown Chicago (and the rat race if there ever was one) to a very rural part of the country - all in the name of the Mustachian way, I'd have you know.

I enjoy this blog/forum because it helps me stay grounded and learn ways to help the financially savvy and not-so-savvy alike, which is one of the main reasons I chose the career I did.
Title: Re: Say Hi and Introduce Yourself
Post by: CarolynM on October 12, 2012, 12:31:47 PM
Hello, everyone!

I'm Carolyn and I discovered the blog yesterday (and spent my entire work day reading it!)

Title: Re: Say Hi and Introduce Yourself
Post by: Self-employed-swami on October 12, 2012, 01:49:13 PM
Hello.

I'm a late 20's lady who is married to an awesome fella, and I've always felt the drive to cut out frivolous spending, and pad the FU fund. I own my own business, and am $67,000 away from having my mortgage paid off, and I think MMM can give me the tools to not only motivate me, but also get my husband more converted to FI philosophy.  He grew up in a much different type of household than I (My parents never had credit cards, and paid cash for things.  I also grew up hearing 'no' a lot) whereas his fam spent to the maximum of their credit allowances, and sometimes beyond, so the idea of 'depriving' himself  (not buying everything you want, exactly when you want it) is slowly becoming more normal to him.

I quit my office job 2 years ago to become self employed, and I have an abundance of time off because of it.  (Hence the swami title).  I love my job now, and I very rarely dread it.

This forum also seems to be filled with other awesome people, who understand that saving can be much more gratifying than spending.  :)
Title: Re: Say Hi and Introduce Yourself
Post by: marty998 on October 12, 2012, 05:52:30 PM
Hi I'm Marty, from Sydney Australia (are there any other Aussies on here?)

Started reading MMM a couple of weeks ago. Start to end, couldn't stop myself reading the lot.
 
26 now, set myself the goal of being FI in 9 years. Notwithstanding the sky-high housing costs here I reckon I can still do it.

cheers
Title: Re: Say Hi and Introduce Yourself
Post by: mustachianit on October 13, 2012, 08:58:08 AM
Hi,

I am Andria and my husband and I live in Chicago.  Started doing this last January and the changes are mind blowing.  I have never been so happy before.  ; )  So, grateful for learning about another way things can be done.  Hoping to retire at 54 which is better than 75.  Spending what I was spending before I do not think retirement would ever come.

Title: Re: Say Hi and Introduce Yourself
Post by: Moskit on October 13, 2012, 10:55:02 AM
Hi,
I'm from Buffalo. Started reading just a couple of days ago. Very interesting. I was never a spender, because always had to keep my nickels and dimes counted but it was very interesting to find out that other people share the same ideas of limited consumerizm.
I've immigrated to the US 10 years ago and finally have a stable source of income. Not huge, but enough to pay off all of my debts I accrued getting my aducation and let me retire at age 55 (this is a legal retirement age for women in Russia).
Looking forward to learn more from this forum.
 
Title: Re: Say Hi and Introduce Yourself
Post by: Geborgenheit on October 16, 2012, 06:07:53 AM
Hi just discovered MMM today. I am a Brit living in Germany with an American husband and our 3 American-born kids. We have done OK in some ways but we are far, far away from any level of financial badassity. Hoping to read and learn but firstly pay attention to where our money is going! We live in a country where frugality is celebrated and virtually everyone (except me) rides a bike.

We have no mortgage as we sold our house when we left the US. We own our cars and have never had car payments. We have a good start on savings (200k +) but we are 43/44 and we have no current financial plan and nothing planned for retirement. This is our wake-up call and I'm actually very excited to find this site as I believe we should now be able to create a blueprint to move forward with. We have been good in the past at working together toward financial goals (such as never having car loans, paying down debt and making necessary sacrifices). We lost the plot since we had kids 12 years ago however and although we haven't acquired new debt we also seem to have squandered a lot of money on ??

Humbled and hopeful.
Title: Re: Say Hi and Introduce Yourself
Post by: weston on October 16, 2012, 06:15:23 AM
I'm Weston. I've been reading the blog since the very beginning and have been reading the forum on RSS feed for several months. I just registered a few minutes ago.

I'm 58, the father of 4 daughters with 2 granddaughters. I'm the sole shareholder in my own law firm specializing primarily in Immigration and Personal Bankruptcy law. My oldest daughter is also a lawyer and works for me. I was very pleasantly surprised by how many lawyers apparently frequent this forum.

At 58 I certainly don't believe that early retirement is going to be in the cards. My wife (who also works) and I have a less extravagant lifestyle than many of our friends who have lower incomes than we do. However, we have been in agreement for many years that one of our top priorities was to have our kids get quality educations without being burdened by excessive student loans. All 4 of them have worked during college but with 4 kids it was still a rather substantial burden upon my wife and I. I don't regret it for a minute, but now that our youngest is due to graduate next summer it's time to get real about putting more money aside for our retirements.

Hope to get a lot of inspiration and information.
Title: Re: Say Hi and Introduce Yourself
Post by: Mr. Moneymustcash on October 16, 2012, 01:21:50 PM
Hi,

I'm Mr. Moneymustcash, not to be confused with Mr. Money Mustache. I have just begun my journey to financial independence. I have already implemented many changes to my life and am enjoying the ride.

I live in Austin, TX
Title: Re: Say Hi and Introduce Yourself
Post by: Woolie on October 16, 2012, 02:04:38 PM
Hi all,

I'm a 34 year old single mom to a 3.5 year old little boy. Not long after my son was born I realized that my life needed to change. Since then I have been slowly minimalising my possessions and not spending as much money. Getting rid of the clutter has only increased my desire to have less, spend less and do more with my life.

So then I found MMM. And here I am to learn more, do more and be more!
Title: Re: Say Hi and Introduce Yourself
Post by: Dr Dave on October 16, 2012, 11:33:39 PM
Dave here. I am vet(erinarian) and live/work in Arizona. Serious long time lurker and blog reader, feel the need to join right about now, funk soul brothers.
Title: Re: Say Hi and Introduce Yourself
Post by: happy on October 17, 2012, 06:06:58 AM
Hi I'm Marty, from Sydney Australia (are there any other Aussies on here?)

Started reading MMM a couple of weeks ago. Start to end, couldn't stop myself reading the lot.
 
26 now, set myself the goal of being FI in 9 years. Notwithstanding the sky-high housing costs here I reckon I can still do it.

cheers

G'day Marty,

Yes, there's a few of us and I suspect a few more lurkers.  Every now and then an Aussie thread is posted, which is good, since there are some differences from US.. the high cost of housing within a cooee of Sydney being one of them.  I've found  The  General principles of Mustachianism  to be very applicable even so. Welcome!
Title: Re: Say Hi and Introduce Yourself
Post by: mustache brony on October 17, 2012, 07:09:41 AM
Hi,

I’m Andrew. I started reading in March (when a friend linked an article), and am finally delurking. I’m 27 and have found the principles of Mustachiansim to resonate (although still working to complete my entire list of mustache changes).
Title: Re: Say Hi and Introduce Yourself
Post by: atlbrew on October 17, 2012, 02:25:15 PM
Hi, I'm Michael and I am 27 and have been married for 1.5 years living in the New Orleans, LA area.  Have been reading the site for a while and reading the forums but finally decided now is the time to become active!  I am looking forward to it.  Have always practiced close to mustachian ways and never realized there is an entire community like me until I discovered this site.
Title: Re: Say Hi and Introduce Yourself
Post by: noob515 on October 18, 2012, 02:10:59 PM
Hello everyone!

I just found this site a couple of weeks ago, and it's been inspiring so far.  A little about me: married for 8 years, working in Washington DC with a ridiculously long commute (however, I only drive 7 miles to the train station, and my train ticket is largely subsidized by my employer)... we just bought a modest house for $225k.  Combined income of $115k.  My student loan debt is $70k.  We spent many years digging my husband out of credit card debt and paying off HIS student loans, so I feel like I'm just treading water, financially.  My goal is to pay off the student loans asap.  Beyond that, I'm not sure yet.  (besides the obvious - to retire early!)

Anyway, I'm very excited to start implementing some of the changes from this blog/forum.  :)
Title: Re: Say Hi and Introduce Yourself
Post by: FrugalHawk on October 19, 2012, 12:01:46 PM
Hi! I have been reading MMM for a few months now. I'm married, my spouse and I are in our mid-20's. We have always been fairly frugal, and we will have paid off $108,585.20 + interest in student loan debt in 4 years, 6 months on an average income of ~85K per year living in major California cities.

I joined this community because there's no one in my "real life" who I can talk to about money issues. My current goal is to reach FI/ER in 10 years.

I'm excited to learn more and perhaps contribute to this community.
Title: Re: Say Hi and Introduce Yourself
Post by: Anguilla on October 19, 2012, 05:23:30 PM
Hello all, Anguilla here (cause I love the island) 32, single , with no kids, no mortgage or rent, only debt is $14k of student loans which I will pay off next May. Just started making "good money" this year so I can save $30k a year once I pay off the last bit of student loans.

Planning to retire by 50. I could do it sooner, but I want to buy 2 pieces of property cash.

My Dad retired at 62 and has about $200k saved. He never had a car payment, cell phone, credit card, paid cash for his house, and was just overall a great example of FI. He gets Social Security of a little over $1k a month, (health insurance paid by state government he worked for)but his monthly bills are Gas/electric, cable/Internet and verizon landline for a total of $400 a month. My mom also gets SS of $400 a month and uses that for the grocery shopping.

If I didn't see it with my own eyes, I would have NEVER believed retiring early was possible!
I would have thought Mr. MM was lying or something because everybody makes it seem like buying a $300k house and having a car payment and credit card debt are a MUST!


Anyway now that I got a good paying job, I need to make sure I stay on the path to retire early. Oh and I live in the Baltimore area which is less expensive than the DC area but I use to hangout out in DC all the time (better night life and money pit).
Title: Re: Say Hi and Introduce Yourself
Post by: dionysiandame on October 20, 2012, 04:21:38 PM
Hey all, what's good? DD here, 28, married, no kids, one underwater mortgage, and no debt besides a car loan at $12,000 (I know I know!) and my student loan (which is at $7000 right now). My husband purchased the condo before we were together, but we've built a plan to crush our consumer debt before we start focusing on the mortgage. I have no credit card debt of my own.

I used to be one of those people Mustachians talked about, but as I've been reading and tightening my finances, I've gone from someone who makes over $50k a year and had NO savings, to someone who saves a little over $1100 a month and is still looking for ways to pare down.

Like some others, I'm in love with personal finance now, especially investing and saving, and there aren't many people interested in talking about these kinds of subjects.

Thanks for having me!
Title: Re: Say Hi and Introduce Yourself
Post by: jmw13 on October 21, 2012, 08:37:39 AM
Hi, Im Jessica.

I had planned to do a minimalist Oct-Dec where my husband and I (no kids) didnt buy anything new.  In my frugal blog reading I came across a comment mentioning MMM.  As I was naturally curious, I found the blog and have spent the last 7 days doing nothing but reading every single post.

We are in debt 92.5K not including mortgage (majority is student loan, but i no longer consider that "okay" debt).

In the last week, I sold my 2012 Toyota Tacoma that I literally drove only to and from my workplace 3 miles from my house.  I replaced it with a used commuter bike for $250 plus $100 in biking accessories (helmet, lights, locks, etc).  Did a test ride yesterday, I will survive the rides to work, but I am looking forward to my legs (and butt) acclimating to this type of exercise.

We also looking at dropping the overpriced cell phone bill (which has been driving me nuts for years) and eliminating our crossfit membership since we feel comfortable on our and will start building our home gym at far less per month.  Another shocking revelation was the cost of one diet soda and one rockstar per day that my husband and I formally indulged in when looked at over a ten year period, that is also out the window! 

I cant help but be sick with the waste of my last 13 years since I first starting working at 15.

We are very excited to be aspiring Mustachians and look forward to Financial Indepdence.  Goal is to dig out of the hole over the next 4 years, then get on the FI pathway for another 7 years, retiring at 39...  Are you for real?!? :)
Title: Re: Say Hi and Introduce Yourself
Post by: Self-employed-swami on October 21, 2012, 11:03:06 AM
Good job Jessica on selling the taco.  They are fabulous trucks :)
Title: Re: Say Hi and Introduce Yourself
Post by: ArizonaRed on October 22, 2012, 08:48:05 AM
Hello everyone I'm Bruce aka Red. 
I was introduced to MMM a year or so ago by a friend who was reading ERE.  I bookmarked the blog and proceeded to forget all about it.  And now having voraciously read through all the posts on the blog in the last 3 days I wish I had read so much sooner!

I'm overseas working right now (Independent Contractor doing security for the gov't) so I've been creating lists of things to do as soon as I get home.  Luckily my wife is much more frugal than I have been and is excited for the changes.

While I haven't been completely Anti-mustachian (We have no debt other than a house that was bought in 2005 in Phoenix OUCH!) I have squandered far to much money.  I'm looking forward to beginning to work my way to financial independence!
Title: Re: Say Hi and Introduce Yourself
Post by: thurston howell iv on October 22, 2012, 10:10:25 AM
Hello, I'm new here. Been lurking for a bit but lately I've felt compelled to join the Mustachian ranks and maybe start learning something or being able to contribute.
I can't seem to get enough of this forum. It's Great.

Already started posting all over... Yippee.

When I get more brave I can spill the beans on my financial quagmire and see about getting some real world mustachian advice!
Title: Re: Say Hi and Introduce Yourself
Post by: JulieB on October 23, 2012, 09:33:23 AM
Hi all, I'm Julie from France. I've been reading a lot of MMM blog posts and forum, and decide today to join the community. Hope it'll help me and my husband to become more mustachian and contribute to the discussions.
We have zero debt, a pretty cheap car we don't use a lot because I go to work walking, and my husband uses PT (in France we're lucky to have a very developped Public Transportation, and nice sidewalks to walk everywhere) . Unfortunately we don't own a home as prices in Paris are way too high, so we're trying to relocate. I'm an engineer with 3 master degrees and my husband's an engineer too with a physics PHD. We're not really well paid regarding American wages (a little bit over 5000€ for both of us) so we're looking for another position in a less expensive place than Paris.
Title: Re: Say Hi and Introduce Yourself
Post by: mattgregg on October 24, 2012, 02:21:32 PM
Hello,

I'm Matt. I have been reading MMM for a couple months. I have recently decided to buy a house.

Cheers
Title: Re: Say Hi and Introduce Yourself
Post by: Matte on October 24, 2012, 09:36:03 PM
I'm Matt age 24, Maple Ridge Bc (town of 50 000 about an hour from Vancouver Bc) I have been frugal and entrepreneurial since I was pretty young.  I must say I like this site of outside the box thinking.  I have owned 17 vehicles, 3atvs, multiple boats, and made a profit off importing, fixing, selling most of them.  I have been working multiple jobs since grade 11, Most of the money going to cars insurance and gas.  Did one summer in fort mcmurray when I was 18, 29 bucks an hour in 2007, first taste of money, bought a corvette in the USA, drove it for the rest of my college then sold it after graduation.  Graduated an engineering diploma program at 19, hired months later, paid off student line of credit that winter, bought a house that winter, middle of the recession.  Used my student line of credit to make the downpayment and build a basement suite.  Paying off the line ode credit well making mortgage payments forced frugality on me.  Now I'm married, working on net worth, awaiting my findependance day.  Aiming for fi 40, Canadian tax and cost of living does not help.  Currently I have been able to create a net worth of about 120k between house appreciation/improvements, savings, rrsps and minus my 1 percent loan on my truck, corp plan loa, cost less new then 5 year old truck, not too mustachian but nobody perfect. 
Title: Re: Say Hi and Introduce Yourself
Post by: extralean on October 25, 2012, 04:26:38 AM
Hello Mustachians,

My name's Thomas, 26, and I've recently moved to Sydney after living in France for four years (I am Australian).  After reading every blog post, I am now focussing on building my 'stache and enjoying my life.

Looking forward to learning more as I sculpt my moustache.

T.

Title: Re: Say Hi and Introduce Yourself
Post by: ruthiegirl on October 25, 2012, 09:01:48 AM
Hey Gang,

I am Ruth, mom to my four little people and super wife to my amazing husband. 

I am new to the boards here, but certainly not new to the low-spending, Mr Mustache lifestyle.  We have lived a life of bounty and happiness on a single income while we raise our kids. 

While we have been good about living debt-free, we have not been so great about building savings and that, my friends, is the next big adventure for our clan. 

Cheers! 
Title: Re: Say Hi and Introduce Yourself
Post by: jtmoney on October 25, 2012, 12:51:21 PM
Hi, I'm Jesse.  I'm a single, 27 year old graduate student.  I currently don't have much net worth at all, but I also have very little debt (under $3000, and not collecting interest right now).  I have about two years until graduation and my goals include FI by 40.  So glad to have a place for reasonable discussion in todays consumerist society.  Glad to be part of the MMM crew.
Title: Re: Say Hi and Introduce Yourself
Post by: Captain and Mrs Slow on October 26, 2012, 06:58:44 AM
Hi Rob here

I'm Canadian, a house husband and married  to the same lovely lady for 28 years but no kids. Currently living in bike unfriendly Madrid and moving to very bike friendly Munich next year (hence the name Captain and Mrs Slow as we tend to be the slowest bikers around).

We paid off a ton of consumer debt over the past 7 years but paying debt off was a piece of cake compared to this savings thing, it is proving to be quite a challenge so hoping people here can help out.

We do own a small apartment in Frankfurt (will be paid off by age 65 and then give a bit of income) but currently rent in Madrid and will do the same in Munich when we move next year.

We won't be retiring early but I do expect our retirement will be comfortable.
Title: Re: Say Hi and Introduce Yourself
Post by: Deano on October 27, 2012, 03:20:57 PM
Hi there, Dean here. My wife and I live close to Hamilton Ontario. I've been somewhat frugal for quite some time now but both my wife and I have found ourselves in well-paying jobs that have made us realize we're lucky indeed. We're looking to make the most of the money we make while still leading enjoyable lives...yes we realize this is possible!

We own a home (no, the bank still does, we're working on it though) and walk to work. We have one car between us...used and paid for. We both had some pretty serious debt that is now all gone so we'd like to make sure we never borrow again. I'm constantly dismayed by the culture of consumption we live in but I'm no monk. I enjoy nice things, I just make sure I don't abuse the privilege I have.

Title: Re: Say Hi and Introduce Yourself
Post by: jrhampt on October 28, 2012, 10:08:30 AM
Hi, I've been posting in the forums for a while but have never introduced myself.  I found MMM through ERE.  I've also been a regular reader of GRS, FMF, and FinancialSamurai.  I liked a lot of Jacob's stuff, but his lifestyle was a little too spartan for me, and GRS wasn't quite extreme enough after I had paid off student loans and started to grow savings.  I think MMM has the perfect balance (probably because he is targeted toward higher-earning professionals who could really be saving a lot more than they are without even feeling a pinch in their lifestyles).

My husband and I live in New England with no kids and one evil cat.  We purchased a home 4 years ago and that is our only debt.  We do have three cars (two fuel-efficient at ~ 40mpg and one Jeep), which is not very Mustachian of us.  I'd like to get rid of the mortgage in the next 5-7 years while continuing to max out tax-deferred savings and contributing substantially to taxable investments.  Our savings rate is a little over 50% of gross and still room to grow. Together we have a goal of $1M liquid investments in 4-5 years. We continue to find more ways to optimize our consumption and lower our spending thanks to ideas from the blog and the forums, and my husband was recently able to switch to a lower-stress job with a small paycut.  He works in the energy industry, while I work in insurance informatics.  Hiking, biking, camping, and the library are our favorite low-cost activities.  We live almost right on the Metacomet trail and there are lots of great short hikes to do close to home.
Title: Re: Say Hi and Introduce Yourself
Post by: pac_NW on October 28, 2012, 11:43:13 AM
Hello all - my name is J.  I am new to the forum and have been reading MMM for the past year.  I have been near the decision of semi-retirement for the past 18 months and still wrestling with how to go about it - the actual mechanics of leaving a job I love (but consumes too much personal time), making changes to become more self-sufficient (am very into urban gardening), thinking about a new career direction which allows me to spend "work time" on issues like the environment, and then the all important question of rebalancing my portfolio to support the next thread in my life.  Not quite "middle age" - prefer to think of the 40's as the new 30's.  Moved in the past 3 years to a more affordable locale than previous and work from home when I am not on the road (which is often). Also working on convincing my family about this new step as it is a big deal to "give up" a revenue stream in exchange for a new direction.  So, I joined the forum this weekend to really dive into these topics and explore them with you.
Title: Re: Say Hi and Introduce Yourself
Post by: madmax on October 28, 2012, 09:22:45 PM
Hi,

I'm Max, I live in the bay area. I'm 26, recently married and I've been fighting a losing battle against the high cost of living in this area and just decided to take things to the next level by joining mmm. :-)

Cheers
Title: Re: Say Hi and Introduce Yourself
Post by: NWstubble on October 29, 2012, 11:29:37 PM
Hello All,

Been lurking for a while now and decided it was about time to contribute and take part in a great online community. Late 20s, married, no kids yet. We had our financial awakening several years ago and have been debt free and building our 'stache the last few. However, I am all about the continual learning process and constantly seeking to optimize so I look forward to learning from all of you and maybe sharing some of our experiences as well.

Cheers,

NWstubble
Title: Re: Say Hi and Introduce Yourself
Post by: Scooby Doo on October 31, 2012, 07:47:03 AM
Hello everybody!

I'm 33 and live in Scotland - I got here via a link to the 'True Cost of Commuting' article, as my current commute has gone over an hour each way (it was 35 minutes when the motorway opened 7 years ago!), and I've been moving towards a Mustachian outlook over the last year or so in any case.

Now it's time for the next level, especially with a Scrappy Doo on the way!
Title: Re: Say Hi and Introduce Yourself
Post by: Self-employed-swami on October 31, 2012, 09:34:00 AM

Now it's time for the next level, especially with a Scrappy Doo on the way!

Congratulations!
Title: Re: Say Hi and Introduce Yourself
Post by: CanuckStache on October 31, 2012, 09:52:01 AM
Hey All. I'm a Canadian currently living in the US (New Orleans). I've always considered myself pretty good with money, but went through a few things in the past few years that really shook me up financially.

I'm a 32 year old self-employed internet guy, and have made good money all through my 20's. I travelled the world and basically have been semi-retired since 23-24 years old. I unfortunately didn't save much money - I saved enough for a 20% downpayment on a condo which I bought about 4 years ago and had a few $k in the bank. I wasn't living large, but very much taking advantage of the lucky cards I'd been dealt.

Then, I went through a costly divorce which was very unexpected - right after I paid for all my ex's education - and the same month as that started, my business took a major turn for the worse (90% drop in income). Flash forward to about a month ago and I was sitting with about $80k in debt (not including mortgage). I was drowning and not making enough money to cover the debt payments. Then, I got lucky and managed to sell off a chunk of my business for $90k. It was hard to do (considering I could have sold it a few years ago for $500k+) but the market changed and so had my life. It gave me the opportunity to wipe the slate clean so to speak.

So today I'm sitting debt free, minus the mortgage (which has $310k left on it). I'm intent on never letting my financial guard down again, and being more diligent about saving. I have to admit despite being very frugal I definitely suffered from "lifestyle inflation".

Right now I'm in a good place. Great new relationship, and she's on board with the frugal lifestyle. Business is starting to pick up again, but still pretty far behind what I was making before. My condo is rented out and paying for itself, and our combined rent and utilities are only about $1000 a month.

Anyways, glad to join this community - Great information in here, and I'm looking forward to contributing some of my experiences as well.
Title: Re: Say Hi and Introduce Yourself
Post by: nvestysly on October 31, 2012, 06:51:26 PM
Hello I'm nvestysly (invest wisely) - I bookmarked this web site many months ago and just now came around to reading some of the blog (starting at the beginning).  I like what I see so I decided to join.

I'm 53, DW is 50 and we've been retired for over a year.  Yeah, I know... kinda lame in Mustachian terms but soooo much earlier than most people we know.

Most influential book - The Richest Man In Babylon.  Second most influential - Your Money Or Your Life.  Lots of other good reading material out there.  I try to read a few books on the subject every year.

Hobby - travel in our RV and working with Habitat for Humanity RV Care-A-Vanners.

Thanks
Title: Re: Say Hi and Introduce Yourself
Post by: togetoutoftheratrace on November 01, 2012, 02:17:33 PM
Hi.

I'm Adam, and I'm in debt up to my eyeballs.

Hi I'm Kevin and I'm with Adam :-)
I'm from Seattle and live in Texas with wife and two kids. Have a strong desire to retire early with passive income in Hawaii where my wife is from
Title: Re: Say Hi and Introduce Yourself
Post by: crystalwheel on November 04, 2012, 09:13:56 AM
Hi all!

I'm Crystal and we (husband Noel) live in Central Texas.  We are retired...me just since 10/15/2012...yea me!

We have two adult children.  Son 24 is graduating from UTSA in December, Daughter 22 - is still in school, currently lives with us but is planning to move out in January. 

Current total debt is $15450.57. 

This is for a Morgan portable building for my business and is being paid for by that business. 

I have until  April 2013 to pay $7,590.00 of that at zero percent and until September 11, 2013 for the remaining 7860.57...so I'ma pretty busy with that goal right now!

Glad to be here!
Title: Re: Say Hi and Introduce Yourself
Post by: RIVERMAN on November 04, 2012, 04:09:31 PM
Finally there are others who realize a difference between being 'cheap' and 'frugal'.  I am 34, married, two kids (6yo and 9 months) and live in oregon. My greatest advantage in life was growing up poor with a mom who was an accountant. I have stumbled into mentors in life who without knowing helped me appreciate the importance of time over making money but knowing you need the latter to enjoy the former.

Graduating from SO University  I have a degree I never use, though I in no way regret having it. I almost retired in 2007 at 29 not knowing the worlds 2nd depression was entering full swing.

Im a building contractor and have owned several rentals since I was 20. In the last few years I almost lost everything. I had 7k left in the bank and a paid for home worth 300k. I sold my home, invested in good real estate deals and began rebuilding net capitol again. Luckily, its not what you make, its how much you spend that helped me through.

I have paid off my house again, and now build spec homes with cash (as my credit was decimated as I lost all of my rentals) My net worth is around 1million again and I plan on building rental properties that are paid for. I plan to 'retire' in the 1-2 years.

It has been a real challenge but you can never stop believing or losing sight of your goal. Being frugal is a lifestyle with long term rewards that most people living for the 'now' cannot see. I am constantly learning and shaping my economic paradigm and find this blog encouraging and insightful.

thanks to everyone, keep it up!
Title: Re: Say Hi and Introduce Yourself
Post by: trinny on November 05, 2012, 03:26:05 PM
Hey all,

My name is Ana and I've been reading the MMM blog for quite a while and finally decided to join this fine community of like-minded individuals.  I've always been a fairly frugal person and I enjoy finding non-traditional ways to solve life problems. 

For example, about a year ago, I started blogging my experience transitioning from a high carb (overweight and tired) lifestyle to a low carb one (30lbs lighter and full of energy!).  Any other low carbers out there?

I haven't blogged in a few months due to a hectic life, but I'm hoping to start up again soon and am thinking of doing a series on how to eat low carb on a Mustachian level food budget or something similar.  It's been quite an interesting challenge for me!

Anyhow, I've enjoyed all the tips and tricks I've found here to create an even better lifestyle and I look forward to learning more, growing my money mustache, and helping out wherever I can as time permits.

Glad to meet you all!
Title: Re: Say Hi and Introduce Yourself
Post by: The Taminator on November 07, 2012, 10:33:20 AM
Hi all.  I'm The Taminator. I'm just about to turn 40 and live and work in downtown Toronto, Canada. I'm debt free other than the remaining mortgage on my condo, about $204k. I'm virtually obsessed with FI and ER and am now trying to figure out how to make it happen. I've just started a new relationship and we've got some pretty great ideas going forward, though the relationship is still too new to implement them. It does make me excited for the future. It's pretty awesome to be with someone (finally!) who is almost as committed as I am to the ways of the 'stache. Once we move in together sometime next year I will have to take on some debt but it's small and we can power through it.

I'm looking forward to learning even more about investing, primarily in real estate, from the forums.

The Taminator
Title: Re: Say Hi and Introduce Yourself
Post by: Phoebe on November 08, 2012, 10:46:21 AM
Hi I'm Phoebe.  I started out very anti-mustachian and racked up $65K of debt after graduating college, but have since paid it off and now have a pretty decent stache of about $250K.  My husband and I are 28 years old, banking about 75% of our income, and looking to find ways to bring out cost of living down even more.

I recently started a blog to document our journey:
http://allyouneedisenough.blogspot.com/

Title: Re: Say Hi and Introduce Yourself
Post by: Rufus T. Firefly on November 08, 2012, 06:48:05 PM
Hello all.  I am a new to the forum but have been a follower of MMM for about a year now.  Trying to implement the great advise I read here from MMM himself and his loyal followers.  I'm 43, single parent of one adult/teen trying to make up for lost time.  I exhibited many of the bad habits read here and hope to slowly but surely make permanent changes for the better. I look forward to the learning experience!  I'm a Journeyman Chevrolet Auto Mechanic for 17 years/25 years total experience.  If anyone has auto service/repair inquiries, I'd be happy to help.  FYI, diagnosing vehicles online is pretty tough. 
Title: Re: Say Hi and Introduce Yourself
Post by: forward on November 08, 2012, 08:12:19 PM

Hello,

I've been reading this blog/forum for the last month or so and I thought I should introduce myself. 
This site is a complete eye opener for me.  I have always been frugal but it was just my natural approach to things.  I would save some money and then spend a chunk.  Once I read this, I realized what my goal was and what I need to work for = FI and its actually achievable! 

In the weeks before I arrived here I was planning to buy a new (used) car.  Bad idea.  I will keep my 2002 for a while longer.  Funny thing is, its a CRV, and I always thought it is a frugal choice, I now realize, not so much. 

I am making some changes but one concern is that I tend to lose interest in things after a few months.  So I need to work to stay on here and allow the good people here to keep me motivated.

Thanks for your help.
Title: Re: Say Hi and Introduce Yourself
Post by: Our UK Correspondent on November 09, 2012, 04:30:14 PM
Hi, Andrew here. Really enjoyed reading a lot of the material here and felt it was time to join in. Happily married, no kids, 2 good incomes and we are saving well for FI. I have learned a lot from the site, but interestingly, the main gains have been reminders of lifes very simple pleasures. As an example, I used to buy sandwiches, bottled water and tea (see my name) at work. Expensive, and consider the packaging I was throwing out every day. I now buy fresh bread every day from a local bakery, its delicious. I bring my own water bottle. I also bring my own tea. Cost has been cut fourfold, at least. There is no packaging, so good news for our planet. And, I am supporting my local independant baker, which feels like a good thing to be doing. FI is so much more for me than DCA, Safe Withdrawal Rates and Asset Allocation. Its really about sustainable living for myself and, hopefully, some of those around me.

Its an intrinsically satisfying way to live.

Cheers,

A
Title: Re: Say Hi and Introduce Yourself
Post by: annabel on November 12, 2012, 06:32:30 PM
Hi, I'm annabel; 41 and divorced. I have been following MMM for at least a year now; at first I pooh-pooh'ed his style but now I take what serves me so it's all good. I'm actually starting to like him.

I have an excellent-paying job but I live in the Bay Area (super-expensive). Have a nice investment portfolio, a stash of cash, house not underwater (I bought when the market bottomed out), 4 year-old car paid off, no CC debt. My challenge is that thanks to my bad former partner choice I am now paying a ton of child support. I need to get through the next 5 years on breaking even with my revenue (maybe even saving some?) and watching my investments grow. I am currently working with a financial counselor - I was an extreme anti-mustachian and never even had a budget. I need a lot of hand-holding right now.

Long term goals are up in the air. I like my job and want to continue working and putting away money. I wouldn't mind retiring on a sailboat in the Caribbean eventually :)

annabel
Title: Re: Say Hi and Introduce Yourself
Post by: Iank on November 12, 2012, 08:04:06 PM
Hi I'm Ian. I live in central Illinois and have been following MMM for quite a few months now. A co-worker did a little financial presentation for employees and mentioned MMM to us. I immediately checked it out. Super awesome stuff here!
Title: Re: Say Hi and Introduce Yourself
Post by: k9 on November 16, 2012, 02:57:51 AM
Hello all.

My name is K9. I'm from France and I'm thinking about growing my own mustache.
Title: Re: Say Hi and Introduce Yourself
Post by: DreamingofFreedom on November 17, 2012, 09:46:44 AM
Hi all!  I'm a fairly recent MMM convert.  I'm a 25yo with a fair amount of student loan debt, but I'm now looking at retirement in ten years. 
Title: Re: Say Hi and Introduce Yourself
Post by: decisionprof on November 17, 2012, 09:34:03 PM
Hi - really enjoying everything I read here!  I've been a reader now for the last 4-5 months.  Have a Doctorate (Ed. Leadership) with a concentration in decision analysis.  The decision-making process we used in our coursework can be used whenever you need to make an important (and most often - financial) decision.  Examples - buying a car, house, taking a new job, moving to a new city - and even choosing a college.  I am currently a prof at a small private liberal arts college. I can hardly stand some of the stories I hear of students taking out huge loans and then deciding they don't even want to pursue a job in their major.  This week - a young lady spoke of a $109K loan she took out to attend this college and now has to pay back.  All I could think is that her debt was in line with the cost of a house in this city.  These types of decisions are LIFE CHANGING and she will most likely have to live with the payments related to this decision for decades.  I want to use what I have learned to help people make better - more informed decisions.  Thinking of starting "The College Decision Experiment" and sharing the steps of decision analysis with a group of families that might be interested and blogging our journey.  My child is a junior in high school, so I would lead the process and include our family as we work on this decision too!  Does anyone out there know anyone who might be interested?    Thanks to the MMM's for all of your work on helping all of us think about our lives in a new and different way!  Very exciting and important work!
Title: Re: Say Hi and Introduce Yourself
Post by: mensa on November 18, 2012, 06:11:40 AM
Hi All:

I've been lurking for some time and decided I was being anti-social. I've enjoyed the many thoughtful discussions I've read in the forums, and hope to contribute, as well as learn.

Cheers!
Title: Re: Say Hi and Introduce Yourself
Post by: PJ on November 18, 2012, 01:33:45 PM
I want to use what I have learned to help people make better - more informed decisions.  Thinking of starting "The College Decision Experiment" and sharing the steps of decision analysis with a group of families that might be interested and blogging our journey.  My child is a junior in high school, so I would lead the process and include our family as we work on this decision too!  Does anyone out there know anyone who might be interested?

Welcome to all the new members, from another relatively new member.  And @decisionprof, maybe you should start a thread to tell us more about these "steps of decision analysis" - I for one have had my interest piqued!
Title: Re: Say Hi and Introduce Yourself
Post by: Herr Handlebar on November 18, 2012, 07:02:19 PM
Guten Tag,

I have been reading the MMM posts since May of this year. My wife and I started implementing some changes to our lives in June but she really got on board at the end of October. We are trying to hit a 60% savings rate but there are a lot of challenges between here and 60%. I'm on my 3rd career in this lifetime. I'm certain I will have a few more. I have worked in non-profit, banking and finally software development. The wife and I are fortunate this this career has been the most lucrative so far.

I feel like we found MMM and the quest for FI just in time. We are planning on kids, home ownership and all that comes with it. Planning for FI before these big changes gives me confidence we can do it with all the efficiency required to have fun and reach FI. We are going to be recording our experiences in a blog.

I'm very grateful for MMM's posts and the awesome community that has developed around them.
Title: Re: Say Hi and Introduce Yourself
Post by: Hatawa on November 19, 2012, 01:21:29 AM
Hi all!

I'm Natasha from Russia. Been following MMM for about a year and really love all the articles and discussions. Learning to grow my 'stache.
If any of the Mustachians are ever on this side of the world - drop me a line
Title: Re: Say Hi and Introduce Yourself
Post by: lara_shultz on November 20, 2012, 01:40:54 AM
Hi everyone! I am Lara and I just signed up on your forum. I want financial freedom and I think your site rocks! :)
Title: Re: Say Hi and Introduce Yourself
Post by: Invictus on November 20, 2012, 08:05:47 PM


 Hey. New guy here. I've stumbled across MMM through a number of preparedness/FI centred blogs and found the community interesting and useful. Thought I'd check out the forums.
Title: Re: Say Hi and Introduce Yourself
Post by: SwordGuy on November 22, 2012, 12:23:52 AM
Hi,

My wife and I make $156,000 a year.  We finished paying off everything we owed last March after an eight year slog and a three year "big push".    We've just finished some splurging to celebrate plus doing a lot of deferred maintenance on the house.   We have a few thousand dollars more deferred maintenance to take care of in the new year and then we should be set for quite some years to come.

I'm 55 and my wife is 65.  She's planning on working to 70 as she's enjoying her job and I keep her young enougn no one's noticed she's at retirement age. :)  Both our jobs are relatively secure, mine is portable enough I can get work somewhere if an intown job isn't available.

I'm hoping to retire in 5 years when she does, if I can swing it.

We have circa $300,000 in 401K or IRA accounts.  I have no idea what it's doing in there.  I've spent the last few months reading up on investment options.  This site has been very helpful!  We have $60,000 in CDs that we can invest within the year. 

I'm hoping to move into dividend paying stocks via an index traded fund for the 401K/IRA money.  I'm not convinced city bonds are a good investment, I think a bunch more cities are going to go broke over the next decade as their underfunded pension plans start to really pay out to the baby boomers.  One task I need to do is consolidate the contents from the various accounts I've accumulated via different employers.

I live in a military town so the rental market is pretty good.  I would like to use the  $60,000 and some soon-to-be savings to buy a rental property outright - assuming the market for properties and rentals stays good.  I think if we work at it, we could buy 1 inexpensive rental home per year in cash.  Or, I might put 1/2 down on two and pay them both off the next year.    I want to see what happens with the defense budget before I invest too much in rental property, though.  I'm researching rental prices and home values to see whether I should aim for $60,000 starter homes or $120,000 homes.  I can spread my risk of a bad renter if I have more homes, but I'm (probably) more likely to get more bad renters at the $60,000 home rental price point.  Unless I can find some mustachians to rent to.  Hmmm...  I could do a rent discount to mustachian army members to attract a higher caliber of renter.

I'm maxing out my 401k ($22,500 plus employer match) and putting in $12,000 plus employer match into my wife's.  I think I should start maxing out a Roth for her instead of her 401k given she'll have to start pulling out the account contents in 5 years.

I still have several month's worth of reading to do before I start moving money around, but now I think I am on the right track with my research.

I'm looking for bikes now so we can start riding for health and errands, and so I can start commuting 1/2 way.   My city is extremely bike unfriendly.  Too many of the suburban areas don't connect so one is forced to bike on busy roads full of very bad young male drivers.  (My car insurance went way up when I moved here from the big city.) 

Anyway, that's where we're at.

I look forward to learning from all of you!
Title: Re: Say Hi and Introduce Yourself
Post by: kythuen on November 23, 2012, 12:41:23 PM
Hi!  I'm Kyth - single, female, 41.  My singleness is complicated by long-term housing partnership with my best friend (she owns; I rent) -- more like a marriage than a room mate situation in terms of flexibility and overall annoyance factor :), but more like a rental in terms of actual $$ ROI for me. 

I'm about $80K in debt between student loans and a new car I bought early in the year, before I had ever heard of MMM.  (But it's a Yaris!  So, there's that, at least.)  My only asset is about $8k in my 401(k).  I'm in a stable job I like with strong prospects for promotion, currently making $66K.  I'm just starting to live off only half my monthly take-home so I can pay down the debt (and re-hab my credit rating along the way).  If my math is right, I think I can be debt free at 45 and start getting serious about investing and possibly home ownership.  I'd like to be financially independent by the time I hit 55 - opinions on feasibility welcome!  I'll probably be posting a detailed case study as soon as I work up my nerve. 

I think I have the debt-snowball method down, but I'm a complete n00b about investments; I'm scouring every word written about it in these forums.  :)
Title: Re: Say Hi and Introduce Yourself
Post by: grantmeaname on November 23, 2012, 05:40:52 PM
If my math is right, I think I can be debt free at 45 and start getting serious about investing and possibly home ownership.  I'd like to be financially independent by the time I hit 55 - opinions on feasibility welcome!
Welcome, Kyth!

The math behind early retirement is shockingly simple (http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/)-- it's basically only a function of your savings rate. If you break even at 45, that gives you 10 years to save up your nest egg. That requires a savings rate of 66% (http://www.networthify.com/fi), which is difficult but certainly doable. Feel free to start your own thread in the "Ask A Mustachian" (http://www.mrmoneymustache.com/forum/ask-a-mustachian/) subforum if you have more detailed questions.
Title: Re: Say Hi and Introduce Yourself
Post by: MidwestSeth on November 23, 2012, 06:27:56 PM
Hi!

Newly wed, 24, new career, new house, life is great. Student loans to kill off before long and start investing. This site will accelerate that whole process. Thanks!

Stumbled on this site and have been reading on it for a good couple hours. Within 2 hours I've decided to cut cable TV, my cell phone contract, and spend less on groceries. Can't bike to work(outside sales). But I drive a Ford Focus, intentionally for reliability and gas mileage, plus it was CHEAP. Glad I found this site.

Great Hub of Badassity!
Title: Re: Say Hi and Introduce Yourself
Post by: sstonge517 on November 24, 2012, 12:25:51 PM
Hey everyone, I've been following this blog for a few weeks now and I figured it was time to stop lurking and introduce myself. So anyway, my name is Sean, I'm 27, single, and currently working as a software engineer in the Chicago area. Yep, that's right, yet another engineer :P. I recently bought a 2 bed/1 bath condo, and I'm happy to announce that my thermostat is currently set at a very mustachian 55 degrees! Well, that's me in a nutshell, I'm looking forward to getting to know everyone.
Title: Re: Say Hi and Introduce Yourself
Post by: garnetfree on November 24, 2012, 09:30:56 PM
Been reading MMM for a long while. Can't remember how I found the blog but I love it.

I was in a black hole for the past few years and made some turns for the worse. Am back in the game and ready to be back in black.

Title: Re: Say Hi and Introduce Yourself
Post by: Spruit on November 27, 2012, 09:12:19 AM
Hello fellow (beginning) Mustachians!

I've been lurking the blog and forum for about a year now and finally decided to say hi. I'm a bit of a wuss myself so it's great to read about people making a change for the better. You all provide such a nice source of info and surprising views, it is truly a pleasure to tag along. Because I'm from the Netherlands and have to adjust certain tips and tricks (IRA, 401K and what not) to dutch equivalents but it certainly adds new insights to my financial ideas.
Title: Re: Say Hi and Introduce Yourself
Post by: Cypherstash61 on November 27, 2012, 09:48:13 PM
Hi I am Bob

Looking forward to FI
Title: Re: Say Hi and Introduce Yourself
Post by: Otto Pilot on November 28, 2012, 11:32:27 AM
Hello all, I just finished reading through the blog, so now its time to jump into the forums...I'm a 36 year-old recovering attorney and reserve military officer living in Austin.  I've been preaching sound finance and assisting servicepeople get ahead of the credit and debt game for 10 years in the JAG corps on active duty.  Looking forward to joining the community.
Title: Re: Say Hi and Introduce Yourself
Post by: Jake P on November 28, 2012, 12:39:26 PM
Hi everyone, my name is Jake and I stumbled on to this site in January after making a new years resolution of getting my finances under control.  This site has helped a ton and also helps keep the wife and I on track when one of us starts feeling a little spendy. Thanks a bunch!  It has been almost a year since we started reading MMM, and we have eliminated 15k worth of debt, I put 100% of my last raise into my 401k and we are currently living well within our means and raising 3 kids on a combined income of around 70K.
Title: Re: Say Hi and Introduce Yourself
Post by: sherr on November 29, 2012, 12:04:23 PM
Hello all, I'm Stephen. I loved reading this site so much that I went through the entire backlog of articles in about a month. My wife and I are fairly young so we have a long way to go, but we look forward to making wise choices with our money and being happier and healthier as a result. We live well within our means but I will be looking for ways to improve on that, including the new (scary!) prospect of becoming a landlord coming up early next year.
Title: Re: Say Hi and Introduce Yourself
Post by: themush on November 29, 2012, 01:08:46 PM
Hello,

I'm Douglas, I found this blog via Reddit's r/personalfinance. I've been reading for a bit and figured the forum might have good information also. Currently have a negative net worth. But, after doing some researching and learning over the last few months - I should be debt free by this time next year. Last night I put together a comprehensive plan and used the retirement math post to determine that I'm about 13 years from retirement. Trying to increase my income to knock that number down to 10 or lower.

Any tips on how to increase income at 30 with seemingly no real marketable skills would be lovely.
Title: Re: Say Hi and Introduce Yourself
Post by: grantmeaname on November 29, 2012, 04:26:25 PM
Not to be unduly snarky, but can I suggest spending less money?
Title: Re: Say Hi and Introduce Yourself
Post by: thedrone on November 29, 2012, 06:08:13 PM
Name's Edward.

I actually stumbled upon this website when looking for a reason why NetworthIQ wouldn't send me my registration email.

I've been mostly anti-mustacian for most of my adult life.  When I didn't have debt (credit card, car loans), I spent all my money.  When I did have debt (credit cards, car loans), I paid it (trying to overpay where possible), but I spent so much overpaying was often difficult.  Unwise life choices definitely contributed to a lot of this difficulty.  I've always been aware of my finances, networth, 401k portfolios, and that I wanted investments that actually grew exponetionally one day, but I never made the correlation that my spending, not my income or my debts (though a contributer), was the problem with not acheiving my goals or making my goals seems VERY far off.

Fast foward to 2012 and I found mint.com.  I had been using a similar financial tracking service through BofA, but the budgeting through mint was so much easier to use, I could actually use it and stick with it.  Also, through mint's recommended services, I was able to shave years off paying $17,000 in credit card debt which in turn made it easier to pay off $23,000 in 2 car loans and a 401k loan through either outright payoff or lower interest rates.

It's possible to be debt free next year, but it's a long shot.  I will be out of all my crazy debt by 2014, though.

I have a long way to go, but I'm well on my way for retirement in 7-10 years.  It would be 5-7 if I didn't have so much debt.

All in all, I'm excited to continually learn, absorb, possibly contribute, and watch the 'stache grow!
Title: Re: Say Hi and Introduce Yourself
Post by: Mrs Firecracker on November 30, 2012, 07:10:59 PM
Hi, been reading the blog for a month or two. We are a family of 3, with a toddler, 2 jobs, and 3 mortgages (we bought homes separately before we met, and before the economic downturn). We're underwater on the places we bought when single and have a few other debts, but we're generally into leading simple lives so the way of the Mustachian appeals to us. We're hoping to pay off non-mortgage debts within two years or less and start building a bigger 'stache.
Title: Re: Say Hi and Introduce Yourself
Post by: teacherman on December 01, 2012, 06:16:40 PM
Hi Mustachians! I am Aaron, 26, married. I am a teacher at a private school in New England. I never really entertained the idea of early retirement but I am concerned with financial stability and responsibility. I came across the MMM recently and have loved it! It is really helpful. So far the two biggest things that have stuck out to me are cutting down my cellphone bill (two iPhones--around $140/month--I hate that I love my iPhone:) ) and my auto-related expenses. Thanks for being badass!
Title: Re: Say Hi and Introduce Yourself
Post by: Crash87 on December 02, 2012, 12:52:53 PM
Hello All,

A friend introduced me to the MMM website and there are some great ideas on here! I'm 25 years old and my goal is to achieve FI by between 10 and 15 years!

Hold me to it!
Title: Re: Say Hi and Introduce Yourself
Post by: nom_nom_babies on December 02, 2012, 10:44:21 PM
Howdy!

I stumbled here while Google searching for Paleo recipes on Marks Daily Apple.  This site is great, I've spent the last 24 hours reading and I'm hooked.

I'm a 22 year old single Air Force officer, looking to start becoming financially independent.  After all, that's the American Dream right?  My biggest challenges are student loans and stupidly buying my dream car.  Anyway, I look forward to growing financially and personally with the all of your sound and direct advice.
Title: Re: Say Hi and Introduce Yourself
Post by: vbjoe on December 03, 2012, 01:17:33 PM
Hi Everyone! 

I'm a 29-year old living in Denver, CO and love the 'local' flavor of the blog.  I was about $10k into credit card debt and not making any real headway thanks to other debt obligations ($75k mortgage on a speculative land investment).  Thanks to the recommendations on this blog I'm down to $1,400 on the c/c plus I now own a car that gets 39mpg with no loan on it.  More changes to come as attempt to grow my 'stache!

Cheers!
Title: Re: Say Hi and Introduce Yourself
Post by: RosettaStoned on December 03, 2012, 02:29:08 PM
Hello All,

I’m 30 yr old living in the Sunny SoCal/Pasadena area. I found the site through JD Roth and his More Than Money blog. With two little ones below the age of 6, my wife and I are hoping to save for ER/FI in the next 10-15 years.

The most tangible change we’ve made since reading MMM the last two weeks is we’ve finally committed to buying the bikes we’ve discussed buying off and on for well over 3 years now.

The Mrs. and I both come from homes in which our parents lived well beyond their means and are now in their mid-60s with no retirement to speak of. Our hope is to break the cycle and instill Mustachian values in our little ones.
Title: Re: Say Hi and Introduce Yourself
Post by: Miss Stachio on December 03, 2012, 08:49:53 PM
Hello!

I'm a gal who was raised frugally by first generation immigrant parents and has been happily practicing frugality ever since.  I just got out of grad school (with no debt) and started 'real life' working with a much better wage but in a location that also has very high costs of living.  It's interesting talking with my colleagues - they eye me with suspicion when they find out I don't have a TV, a smartphone or an apartment with more than 2K/month in rent even though I think I'm spending like crazy!  To be fair, they might also be thinking I'm spending exorbitantly when they're making the "WTF?" face.

In any case, this blog has been great in helping me organize my often random thoughts about FI and environmental sustainability, especially by showing so many examples of folks defining what FI means to them and then reaching it.  It's great to have such a supportive community.  I'm excited to start making my plans for achieving FI and putting them into action!
Title: Re: Say Hi and Introduce Yourself
Post by: Kaytee on December 05, 2012, 11:02:39 AM
Oh, hi there.

Formerly up to eyeballs in debt, currenlt debt levels are hovering around my navel - annihilation rate - 45.8%. Concurrently, stashing some cash while continuing debt annihilation. Only ~$58K left, all student loans. All auto loans, medical debt, and credit cards have already been paid off.

Also, working as a civil engineer while also a 31 yo, married mother of a 10 mo who is occasionally spotted bellydancing, cooking, reading, gardening, and napping. Not simultaneously.
~Kaytee
Title: Re: Say Hi and Introduce Yourself
Post by: BrownStache on December 06, 2012, 10:36:31 AM
Hey everyone,

I'm a 25 yr old from NJ. Found the blog back in October and just finished reading every post, so I've started rooting around the forums in the last couple days.

I just finished grad school a year ago, and picked up $75k in student loan debt along the way, but I got a job paying over $20k more than anything I've heard of from undergrad friends so I guess it's not too bad. I should have my student loans paid off in 4 years.

I'm currently working for a consulting firm while living with my parents and not owning my own car. Using the "shockingly simple math behind early retirement," I'm looking at FI by the time I'm 41, even if I were to move out of my parents' place today.

Here's to the next 10 years of further cutting my spending and increasing my earnings for an even earlier retirement!

PS: RosettaStoned? Am I correct in assuming you're a fellow Tool fan?
Title: Re: Say Hi and Introduce Yourself
Post by: RosettaStoned on December 06, 2012, 11:00:45 PM
PS: RosettaStoned? Am I correct in assuming you're a fellow Tool fan?

Yup :)
Title: Re: Say Hi and Introduce Yourself
Post by: Free in Ten Years on December 08, 2012, 05:33:51 PM
Hi there,

I'm James, I'm 27 and have been reading MMM for about 6 months. Since then I've made some fairly large changes in my financial life, and have managed to save about 75% of my salary since then. I am planning on being financially independent in 10 years (hence the name) and my partner is in on it too. After that I hope to travel semi-permanently.

We don't have any debt with the exception of a mortgage which we've reduced by about 30% in the first 4 months by following MMM's advice.

The funny thing is the more frugal I become and the more consciously I spend my money, and the more I do things for myself, the happier I become.
Title: Re: Say Hi and Introduce Yourself
Post by: jonofd on December 09, 2012, 04:36:07 PM
Hello Mustachians!!!

I'm Jon, and obviously I'm new here. I'm married and just moved to Lexington KY about 6 month ago. I'm a full time firefighter/paramedic, it's my dream job and I finally get to work at it now. The guys at work remind me that I'm going to have to work 27 years to qualify for my state retirement, however after starting to read this website, I'm thinking I'll be able to start retirement way sooner!

Would love to get to meet anyone that involved here in the Eastern/central KY area.

Have a great day!

Jon
Title: Re: Say Hi and Introduce Yourself
Post by: kiwichick on December 10, 2012, 02:27:11 PM
Hi all,
Long time lurker, first time poster. My name's Tracey, I'm 26 and I live in New Zealand. Bought my first home on my own a year and a half ago, which was a huge achievement for me considering I was in debt up to my eyeballs a few years ago with nothing to show for it. Trying to pay the mortgage down as quickly as possible and achieve financial freedom.
Title: Re: Say Hi and Introduce Yourself
Post by: Di on December 12, 2012, 09:41:49 AM
Hello everyone. Been lurking since July, really fascinating website that resonated with me from the very first time I read it.

My name is Daniel and I'm 21 years old. I have always lived a very frugal life, it's actually almost to the point now where spending money is psychologically painful. I live with my mom and I'm a 4th year college student with no debt. I go to the state college where everything is paid for. I also have more than $19,000 in savings and I use my mother's car to get around. I'm not really sure how I'm going to make money though since I have very narrow interests, none of which are particularly useful for income, and I'm thinking about leaving school altogether because I hate it. I also have the problem of living in a city with a high cost of living (Los Angeles). I think I might try being a dietitian or personal trainer or maybe I'll give the school thing one last shot and go into computer science.

At any rate, I look forward to learning and growing with everyone.
Title: Re: Say Hi and Introduce Yourself
Post by: Blackbomber on December 12, 2012, 12:36:50 PM
I've found the MMM blog two weeks ago, or so, and have just finished reading every post (even the ones I felt didn't apply to me). This couldn't have come at a better time, and I'm really fired up about eliminating the nonsense in my life, getting the finances back on track, and even the optimism and health aspects, which I hadn't considered problems of mine until considering it from the mustachian point of view.

So anyway, with becoming up to date with the blog, I've ventured over here to learn, and perhaps contribute as I can.
Title: Re: Say Hi and Introduce Yourself
Post by: chris009 on December 12, 2012, 07:30:23 PM
Hello,

Someone pointed the MMM blog out to me and I'm a bit intrigued. I can't say I'm fully 'bought' into the idea, but I've been a fairly frugal person my life and I'm really the only person I know that saves most of their earnings. I'm hoping I can learn something. Even if I don't buy completely into the philosophy here, it can't hurt really to learn how to save more.
Title: Re: Say Hi and Introduce Yourself
Post by: I_am_DLR on December 13, 2012, 02:00:13 PM
Hi, my name is Rob. I take pictures of things, and I suck at money.

I heard about this guy named Money Mustache from my housemate, and thought he must've been some sort of Cheap-o lunatic. But, dealing with a bout with boredom at work one day I decided to give the site a once-over. I read the first article and I was hooked.

Over the last 3 weeks or so I've read every article written, and my views on things have changed drastically. My journey to financial indepedence has just started. I'm 29, and though I have no debt worth mentioning, I've got basically nothing saved for retirement. I'm working a dead-end job with no opportunity for advancement, making $10/hr, and having to support myself and my girlfriend(who can't work consistently due to a chronic health problem).

I've recently been pushed(by myself mostly) to start making money in photography. I'm hoping to have my own business started during the first quarter of next year.

So, there's my story. Now, let's see if I can manage to add something useful to this forum. :)
Title: Re: Say Hi and Introduce Yourself
Post by: MustacheMike on December 17, 2012, 02:01:39 PM
I'm Mike. Just turned 30. I live in the Lower Mainland of British Columbia. Love my wife. Love my job. Life is good. But I also love money, especially saving it and growing it. After coming to this blog, I realize that Conventional Wisdom can and should be fiercely challenged!
Title: Re: Say Hi and Introduce Yourself
Post by: motipha on December 18, 2012, 01:27:17 PM
Hei, I'm Timo.  I'm 33, started reading this blog maybe 4 months ago, and I'm so glad to have found it.  All my life I've been frustrated by the idea of having to work until I'm in my 50's, but felt like it was just a thing I would have to accept.  What get's bandied about here as possible is kind of what I wanted to do all that time.

So, starting a little later than I wished, but I'm going to try it.  40 is my target:  I want to be out of this by I'm 40.  I've got to find ways to get my savings rate way up, and I've got to figure out what I want to put that money towards, but I'm taking concrete steps:  The car is almost debt-free, and I'm getting my refinancing done sooner rather than later.

To add some fun to the process, my girlfriend is trying to sort out her own debt, and she's not as on board with the idea as I am.  not that she wants to keep working, but she's more pessimistic about the likelyhood of ever getting out from under the machine.  Things are changing, but we have some bumpy times because of it.  Still, I hope we will be one of those success cases.
Title: Re: Say Hi and Introduce Yourself
Post by: Andrei on December 19, 2012, 08:26:57 AM
Hi,
I'm Andrei, 34, from Bucharest, Romania.
I've been reading MMM since Jacob at ERE passed the torch. So I guess i'm an old lurker :)
Big fan.
I've definitely improved my life since i became a Mustachian-in-training.
Title: Re: Say Hi and Introduce Yourself
Post by: aces2 on December 23, 2012, 03:18:05 AM
Hello!

My name is Cody.  I found this blog around a month or so ago.  I'm addicted really, EVERY ARTICLE IS PACKED WITH SO MUCH WISDOM AND MONEY SAVING POWER!  Spent the last four years being a hardcore Dave Ramsey fan.  Dave is the man!  He got my wife and I (Natalie) out of $75K in debt in a little over two years.  Since, she has quit her job as a elementary school teacher, we've moved overseas (Air Force), and had our first child!  We are shooting for FINANCIAL INDEPENDENCE by the time I "retire" from the AF.  We haven't quite reached $100K net worth, but are close.

Screw retiring at 60!  Shooting for age 38 in 11 and 1/2 years.

Title: Re: Say Hi and Introduce Yourself
Post by: Christiana on December 28, 2012, 01:42:22 PM
Hello!  I am a stay-at-home mom to three children, soon to be four.  Our goal is not exactly early retirement, but a sustainable self-employment that we can carry on into old age.

I honed my frugality with five years of living on a graduate student stipend.  When we married, we had $50k in student loans, and took about four years to become debt-free.  Right now, we're in the middle of some serious household downsizing, and possibly changing jobs and/or moving somewhere more congenial.  I read MMM to revive my optimism, after a number of financial setbacks in the last few years.   

I write about my "something from nothing" projects on my blog.  I've also self-published two books so far, The Naturally Frugal Baby and The Serendipitous Sabbatical:  Rest in Unexpected Places.   

My husband created and now sells a guitar amplifier kit:  the Stella Amp.
Title: Re: Say Hi and Introduce Yourself
Post by: kendallf on December 30, 2012, 03:15:56 PM
Hi folks, I'm Kendall, a 46 year old engineer from Jacksonville, FL.  I've enjoyed reading the MMM posts over the past few weeks; I found the blog via Mark's Daily Apple.  My wife and I have already been taking steps to simplify, become more minimalist, and be healthier and more fit. 

Reading some of the material here has switched a light bulb on in my head: hey dummy, practicing better frugality dovetails beautifully with all of the other stuff you want to do to be happy, and you should get busy!

So, my initial areas for (huge) improvement are: eating in (I'm shooting for one dinner out per week, taking my lunch to work), and car related expenses.  I like fast and impractical cars, and I have too many vehicles, but at least I carpool and ride my bike to and from work enough to drive very little anyway. 

Hope to learn a few things here, and maybe contribute in areas that I have knowledge.  I'm an avid cyclist, mechanic, fabricator, DIYer, and a few other more random things. 
Title: Re: Say Hi and Introduce Yourself
Post by: BlueMR2 on January 01, 2013, 08:14:19 AM
Hi, I'm Brian.

Looking forward to an early "retirement" (I get bored easy, so I'll always do *something*, but less of it and more on my terms :-)  ) despite having several expensive hobbies and only middling income (low for my profession overall, but not too unreasonable for the area I live in).  Other than the hobbies we don't spend a lot of money (have never had cable, have a $100 a year cellphone, no home phone, all the usual little items).  Been living the motto that "take care of the small things and the big things will take care of themselves".  Have essentially been debt free my entire life.  Had a mortgage for 9 months just because I didn't want to take an early withdrawal penalty (would have been a bigger loss than I paid in interest for those few months).  Hoping to learn some more tricks to help save a few more $$$ here and there to let me keep the expensive hobbies while still shaving more years off my need to work full time!
Title: Re: Say Hi and Introduce Yourself
Post by: 147kerry on January 04, 2013, 04:46:13 AM
Hi I'm Kerry

I live in Sydney - Australia and am a single mum with three sons.
Am tired of working 'for the man' and am looking to become FI asap
Title: Re: Say Hi and Introduce Yourself
Post by: jba302 on January 04, 2013, 09:01:29 AM
Hello, I'm Joel. 29 y/o and recently married living in the Twin Cities. Been reading this page for the past couple of months and slowly getting lined up with a smarter financial lifestyle. We have about $20k in debt (the vast majority due to the wedding...) on 0% cards with a sub 1-year plan to get back in the black. Got a townhome that is becoming rental property and will be buying a long term home in 2 years (we want land for gardening and a better garage).

We have a hell of a lot of headroom to make improvements considering we make 140k/year and only have 2 kids part time (split custody with her ex). Looking forward to getting involved here and really kicking it up several notches.
Title: Re: Say Hi and Introduce Yourself
Post by: GoStumpy on January 04, 2013, 10:35:24 PM
Hello Everyone!

Ventured over here from what I've been hearing on other forums, first I had to figure out what "MMM" was, but now I'm enjoying reading everything!!

I'm a frequent of YNAB's community, smartcanucks.ca, and a few others...

I'll be reading a ton tomorrow & hope to post my story soon!  Beginning the journey to debt-freedom!!

Keep fighting the good fight!
Title: Re: Say Hi and Introduce Yourself
Post by: Ihoo on January 05, 2013, 02:08:12 AM
Hello everyone. I live in the SF Bay Area and rent a nice apartment in down town Oakland. My wife and I own two rental properties in Seattle. One is in the process of being refinanced to a 3.125% interest rate and the other own we are hoping to sell when the market recovers. Once the homes are paid off and sold, we will be debt-free.

We currently save about 45% of our income or invest, we pay 30% on mortgages and use the rest for expenses. We have one car, and 0 bikes and feel that we are on track for greater financial independence in our forties. We are 34 now and are very happy and grateful of the progress that we've made so far.
Title: Re: Say Hi and Introduce Yourself
Post by: tmac on January 05, 2013, 06:59:12 AM
I've posted a few times, so I guess I should come back and introduce myself.  :)

I'm just starting to think like a Mustachian, but I've always been fairy frugal. I live with my husband, three kids, two dogs, and two cats, in a small town in the southern U.S. The mortgage is just 10% of our income, but its an 1830s cottage that needs a lot of work. I'm 42 (as of yesterday!), DH is 45, and the kids are 16, 9, and 7. As for the pets, we're on animal attrition plan. We love them, but once they're gone, they will not be replaced.

We're not from here, and hope to move back to my hometown once our oldest graduates from high school. The cost of living will be higher, so we're trying to get on a solid footing before we go.

We are self-employed, and I work part-time in the business. We have three additional employees, so DH works from home most days while they take care of on-site issues. Family income is $100k

We're not big spenders on most things (clothes, entertainment,etc.), so I'm using a rolling tally of expenses to find areas to cut. I saw two months ago that our food costs were our highest monthly expense, so we've cut back a lot in eating out and got more savvy about groceries. After just a few weeks of focus, food dropped down the list and auto payments moved up, so we're selling one car and using proceeds to pay down the other. I can see that the insurance category will be next, so I reevaluated our life policies and am quoting new auto. This rolling focus seems to be keeping me motivated and helps with my tendency to get distracted by other projects.

Our personal debt is the mortgage ($50k on a $70k house) and two cars, bought used ($4k on $10k car, $9k on $11k van). No CC or student debt. We also have a low-interest loan from the purchase of the business from the previous owners ($24k, paid down from $200k 5 years ago). All of that will be gone before we move.

Finally, I do have a bike, but it doesn't fit well. Once that's remedied, I plan to get my biking on. I've questions about the logistics of that with kids and such, but they can wait for a more appropriate post.

Thanks for your help so far, and in the future!  :)
Title: Re: Say Hi and Introduce Yourself
Post by: CookerS101 on January 06, 2013, 08:53:55 PM
I want to start new year right, that's why I want to learn more about handling my finances.
Title: Re: Say Hi and Introduce Yourself
Post by: Budget_Ninja on January 07, 2013, 06:29:02 PM
Hey, I tried posting somewhere else in the forum but after a lengthy response was kind;y notified I was unable to post.  So... testing?
Title: Re: Say Hi and Introduce Yourself
Post by: tayl7784naj on January 07, 2013, 07:25:58 PM
Hi.  I'm a recently divorced dad.  I pay spousal support and child support.  I had a poor lawyer that billed excessively during the 3 year course of the divorce and drove up high legal bills.  To satisfy legal bills I borrowed against my 401k.  This is all on me.  I get that.

I have maxed the loan amount from my 401k.  I live rather modestly, do not own anything and rent.  I have a car loan and a cycle loan.  I owe 3 k on the car and 5k on the cycle.  Neither could be flipped for cash.  I rent and do not own property.

Every month, 50% of my take home goes to x and kids.  I try to live on the rest but have been upside down on living expenses most every month.  My largest expense is auto and gas.  I spend over 500 a month in fuel over a long commute.  This on a car that gets 29mpg.  I cannot move any closer to work or I wouldn't be able to see my kids regularly.

If I were able to cancel just one of my 401k loans by a hardship method, I could live a normal life (well a new normal).  Short of buying a house and just wanting to survive the next few years, is there any way short of quitting my job to be able to declare a hardship and cancel out my 401k loan?  It's a quality of life issue.  Remember I do not live excessively in the slightest.

I would love to know anyone's take on what options are available to me.  I have nothing to sell.  Live check to check and have plenty of credit available but I do not want to keep going down that road.

My company 401k officer wants me to prove why I need it to the letter of the rule.  I'm not a lawyer so I need help to figure this out.

Thank you !!
Title: Re: Say Hi and Introduce Yourself
Post by: John74 on January 09, 2013, 08:51:36 PM
Hi everyone,

I am a 38 year old guy living in the Bay Area. Married, no kids, 2 cats. Retired.

I enjoy reading MMM's blog posts as well as anything related to frugality, financial independence, and early retirement.
Title: Re: Say Hi and Introduce Yourself
Post by: marty998 on January 10, 2013, 03:06:28 AM
tayl7784naj, my sympathies I give, you seem to have been through a pretty rough patch. For most of us we have a solid foundation to work from but you seem to be on pretty shaky ground.

I hope this doesn't come across the wrong way but you seem to be in a position where the only way is up. Your options may be limited but so long as you have the right mindset you always have the opportunity to improve your circumstances. Just keep your head up and keep plugging away and run with any piece of good fortune that comes your way (as they say, you make your own luck).

You seem to have your head screwed on right, especially resisting the temptation to dig a hole with credit. Maybe start a thread in the "ask a mustachian" section and post some hard numbers, there's an incredible number of people here who are willing to lend advice for free in a nonjudgemental way.

cheers

 
Title: Re: Say Hi and Introduce Yourself
Post by: R0GUER0B0T on January 10, 2013, 10:32:37 AM
Hello,

I have been reviewing the posts of Mr. Money Mustache for a few months now, on and off, and am utterly impressed.  I love the perspective, love the humour, and have been able to convince my wife that our goals should very well be debt free, early retirement, financial freedom, etc. 

As we work for the public service of Canada, we have pretty good pension setups already if we were to chose to continue to work until our set retirement without penalty (55, with 25+ years of service).  It changes a little once one looks into early retirement options, but that doesn't mean we can't do it.  We're pretty conservative in our spending anyway.  Our only debt, our mortgage, we plan to utterly destroy within a very short period of time. 

Anyways, just saying 'Hi', and that I greatly appreciate and am impressed by the sharing of truly beneficial information. 

Cheers!
- L.T. Smash
Title: Re: Say Hi and Introduce Yourself
Post by: Viv A. Stache on January 10, 2013, 10:40:45 AM
I'm Jen and I've been lurking for 6 months. I was directed here by the FI subreddit. My husband and I have a 2 yr old daughter and live in MD. We've just started taking our finances seriously, and will be consumer debt free in 3 months, according to the plan. I use YNAB, and I'm in love with it. Since heading down the FI path, we've cut our spending down to 50% of our income, all of which will get banked as soon as the CC/Car loans are at 0.  I'm more seriously frugal than my husband, but he's on board if it means retiring before the little one is off to college. I'm in the Navy, and if I decide to make a career of it, I have 15 yrs to go til pension. I would love to get out and finish my bachelor's, but the military offers so much support and stability, I'm not sure its a good plan.  I'm here mostly for the advice, so I look forward to hearing from those of you who already have it figured out!
Title: Re: Say Hi and Introduce Yourself
Post by: hoyahoyasaxa on January 10, 2013, 07:21:07 PM
Hi all,

I've posted a few times but wanted to take a moment to introduce myself.  I'm 27 and live in Queens just a few miles outside of Manhattan with my wife.  I am currently unemployed (worked for a campaign consultant through the election) and my wife works as a collections manager for a museum.  In just a few months here, we've cut our spending considerably and have grown quite a bit as husband and wife as we've become more and more on the same page about how we want to live our life financially.  I'm exploring a possible career change right now into financial planning (fee-only financial planning) and hoping it works out.  Oh, and as soon as I get working again, my wife and I are looking to move up to the Rockland/Bergen County area.
Title: Re: Say Hi and Introduce Yourself
Post by: Ed Mills on January 11, 2013, 05:07:35 PM
Greeting all,
I'm Ed and I've been reading M³ for about a year and a half.  I'm 49, married with a son.  Love to run, cook out, drink wine, lift weights, read, and travel.  I infrequently blog at www.millionaireeducator.com (http://www.millionaireeducator.com).  I hate to gush, but the blog is my favorite because it shows people how free themselves from the never-ending-work-drudgery-and-mindless-consumerism cycle.
If I can help any of you, don't hesitate to ask.
Ed     
Title: Re: Say Hi and Introduce Yourself
Post by: momo on January 11, 2013, 05:57:38 PM
Hello fellow Mustachians!  MMM's lucid and robustly empowering ideas deeply resonate in me.  My gf was the most anti-Mustachian person I ever met, but in recent months she has embraced a savers mindset.  It is a tough adventure but one I hope we can complete together.  For myself, I feel the BEST reward is getting closer to achieving freedom.   Adam Baker's TED talk http://www.youtube.com/watch?v=9XRPbFIN4lk&feature=youtu.be expands on the very same idea.   

Glad to be among other contrarians seeking ERE.  Here's to growth, self-awareness and radiating Mustachian badassity!

Cheers!
Title: Re: Say Hi and Introduce Yourself
Post by: JRstasher88 on January 13, 2013, 12:52:46 PM
Hey all!

I'm a newish reader to the blog (been going through every post since the first one), and loving every minute of it! Thankfully I come from a family background of parents who live well below their means, and thus many of these principles are not too foreign to me.

With that said, it's certainly time for me to start sprouting my 'stache. I am an underemployed recent college graduate with a four-year degree in a weak field. Unfortunately, this has meant bouncing around between dead-end jobs making 8 or 9 dollars/hour while looking for stable work. Although it hasn't been easy, I've been staying frugal and am even making triple payments on my student loans (luckily with just 6k left thanks to my parents paying most of my education). It's certainly eye-opening to watch many 20-something peers party and waste hundreds of dollars a month on bars/clubs/gambling while knowing that many of them have even more debt than me. Instead, I can't wait to start investing and saving for the future.

I will be starting a new full-time salary position in February, but it only pays 20k/year with a year-end bonus between 4-6k. I plan to continue working one of my part-time jobs on the side, with the goal of bringing home about $500/week after tax. It's going to be a long year with very limited free and fun time, but I think it's a good first step in getting some better financial security. I can't wait to read more and learn more from everyone else on here.
Title: Re: Say Hi and Introduce Yourself
Post by: Skyn_Flynt on January 13, 2013, 01:32:47 PM
I'm 44, but achieving FI has been in the back of my mind since I read The Power of Money Dynamics by Venita Van Caspel back in high school. She emphisized in the book that a river of money flows through your hands over the course of a lifetime, no matter how modest your career is - make sure some of it is diverted into savings.

And I've always saved something every year, but the last few years have gotten me to sharpen the pencil and track expenses every month... compare to priors and look for ways to trim further...

My upbringing was very basic. My parents made clear to me by example, why you must save for unemployment phases, which seem to occur especially with recessions :-/ and can last for a year or more, while stitching part time jobs together. They drove old cars until they were junk, paid off their mortgage, bought clothes from Goodwill and consignment, etc.

I don't have a target date for FI - but I've accumulated a handful of rental homes and a 401K of about $70K, and that seems to raise eyebrows when I admit this to people. There are sadly quite a few non-savers even with professional salaries, it seems. :-(
Title: Re: Say Hi and Introduce Yourself
Post by: mickmey on January 14, 2013, 01:56:03 PM
Hello! I found your site while googling answers to my somewhat complex question.  While looking around, I discovered I liked your style!

My husband and I are both in our mid 30s.  We have two very small children (2 and 3 months).  He's active duty in the army with 7 1/2 years to go before he hits 20 and can receive a pension.  I did 12 years active duty and then transitioned to the reserves so I could be a SAHM.  I still make a good chunk at my "part-time" reserve gig, but we're essentially a 1-income family. 

We have no consumer debt, no vehicle loans, no school loans.  We do have mortgages.  One that we live in and two rental properties that were previous residences (love the military life!). 

We're kind of leary of the stock market.  Partly because we're very conservative investors and partly because we aren't really saving for the long term.  We'll both draw pensions, so we need money in our mid-40s when hubby retires from the army...not at 60 when we'll both be doing well with our pensions. 

I'm always looking for smarter ways to invest in a manner that suits our style!
Title: hello from Beautiful British Columbia
Post by: Madame Toastmaster on January 14, 2013, 01:58:51 PM
Hey everyone!
While I was doing some writing, I typed a quote into google to see its origin and somehow MMM came up and was # 3 on the list.  His writing totally cracked me up and being a fellow Canadian, I was hooked.  Mr. Money Mustache is my new hero.  Let's nominate him for a Nobel, shall we?  Been reading the entire blog to catch up.  My life has been coming together really well over the past few years.  I totally believe God brought me here to get the rest of my act together and I'm ready to do that.
I'm 44 and although my nature is to be frugal, I've lived wastefully for much of my life.  I'm married 8 years to my 43 year old awesome husband and we have a 6 year old daughter whom I home school.  Live in rural British Columbia, ferry-bound in quite possibly the most beautiful place on earth. 
My husband and I are both recovering alcoholics- 10 years for him and 9 for me.  Spent the first few years of sobriety just learning how to live like normal people. 
My husband works for the ferry corp and he also does landscaping in the summer.  He loves the ferry because he's so chatty and gets to see so many people every day but he is a workhorse and can't keep up the landscaping for too many more years imo. 
He just started making high-end knives and sheaths as a hobby and I believe he could sell them easily. 
I am working towards a part-time career as a public speaker as I want to home school my daughter the whole way.  Right now I am training to qualify for the World Championships of Public Speaking which will be in Cincinnatti this August. 
We make $40,000 a year though it is a feast in the summer, famine in the winter situation  that we have never remedied.  We've done too much gorging in the summer resulting in no savings. 
We have a work van paid for, a 2005 Honda Civic with 200 k on it, paid for, a 2007 bonneville Triumph paid for.  We just got our first mortgage which we thought was pretty miraculous in itself.  We borrowed the $17,500 from the sellers for the downpayment and the mortgage is $169,000.  We are also $9000 into our 10000 line of credit and owe approx $1500 on each of our 2 credit  cards. 
We are just making it by the skin of our teeth now, living in denial. 
I redid our budget this week and realized that I could save us $600 a month getting rid of crap we don't need and paring down.  My husband is the one I have to convince.  If we don't do this, we will never save any money. 
This week I am going to put together a proposal for him.  I've already found out that he will never have to miss a hockey game as they stream live from CBC, I've found a place where he can watch his rugby (which he rarely watches anyway and is just using as an excuse) and I promised him we would get Netflix.  I promised him he would eat delicious meals for the rest of his life and would never go without and we would all be happier and healthier and richer.  I've been trying to get him to dump the tv for a decade as I never had it in my prior adult life and know the benefits of ALL that spare time- I need to do this before Survivor starts or we may not have a chance!!!!!
Part of it is just addiction transfer- tv is the new alcohol so we need to make knife making and art and playing with the family the new tv. 
Anyway, I am very hopeful with my realism and realistic in my hope.  I have pretty much accomplished all of the things I have set out to do once I make up my mind and I am determined to make this happen.  Prayin' for help!
In the meantime, I'm enjoying the hell out of MMM's writing and think he's one of the funniest blogs going.  Nice ta meetcha all!
Title: Re: Say Hi and Introduce Yourself
Post by: hurricane0884 on January 14, 2013, 06:12:21 PM
Hello Everyone!

I am Andrew. I have been silently following MMM and this forum for some time now and I have decided to join the fun!  I have just graduated from Arizona State and have a pretty good job lined up. I look forward to applying some of these skills I have learned!

My wife and I hope to be apart of this growing culture!
Title: Re: Say Hi and Introduce Yourself
Post by: GoCubsGo on January 15, 2013, 11:38:06 AM
Hi I'm Nick, 39, married, two kids living in the Chicago Burbs.  Quit the corporate world three years ago to follow my love of Real Estate investing and haven't looked back.  Found the MMM blog recently and am starting to re-think some things....  I've been Mustachian w/o realizing it  in the past (which has led to a solid financial situation) but definitely need a few face punches going forward.
Title: Re: Say Hi and Introduce Yourself
Post by: atlantalee on January 17, 2013, 10:24:37 AM
Hi,

I spent a lot of 2012 reading various Personal Finance blogs, most offering pretty standard advice.  I was starting to get bored when I stumbled upon this blog.  I've spent the past month or so clicking the "Random Article" button to catch up on all things Mustachian.  Finally, a PF blog that makes sense and challenges people to better themselves in more ways than just financially! I've already started incorporating bits of advice into my life... cut the cable (despite making a living working for a cable network), dusted off the bike for weekend errands, and I'm going to start commuting 7 miles to work once I find a decent bike.

Thanks to Mr. and Mrs. Mustache for inspiring me to be more conscientious.
Title: Re: Say Hi and Introduce Yourself
Post by: Tripcode on January 17, 2013, 10:35:09 PM
Hi, I'm Joey.
I'm 23, with about 16k in student loan debt and I make around 22k after taxes.
I've got shit credit, and have to pay 600 a month to my loans.

Let's get this started.
Title: Re: Say Hi and Introduce Yourself
Post by: turtlefield76 on January 19, 2013, 02:41:06 AM
hi all,

i've been a lurker for a while and have enjoyed reading through this blog quite a bit.  i've gone about things a little differently than most.  i was an extreme idealist in my youth and made a vow to myself to never spend my time or energy to working in job a hated making money for someone else.  i was very much of the 'follow your bliss' mindset and i decided i would only spend my life's energy toward the creative pursuits and lived much like Jacob at ERE in terms of lifestyle spending.  very very extreme.  at one point i was making $500-600/month playing and teaching music but still managed to save money for the year ($220/month rent $60/month food zero for everything else).  fast forward 10 years or so add a wife and daughter and have a spending lifestyle much like MMM's which feels down right luxurious.

my wife is in informal education and combined we've never made much money but have always spent way below our means.  it's just become natural.  i didn't get really interested in investing until we started saving for our first house and with the arrival of my daughter investing and financial planning has become quite an obsession.  not really saving for FI per say because i'm already living my dream life.  i'm here because it's great to find a group of people with similar frugal habits and lifestyle. 
Title: Re: Say Hi and Introduce Yourself
Post by: French Freed on January 20, 2013, 04:14:37 AM
Hi,

I'm a 36 years old guy, single, living in France. Pretty frugal from a long time, but far from retirement as I started to work lately...

"Owning" a Domain Name for years, I started to create my Website this morning, just before reading the latest article "How to Start a Blog". Ain't that fun?

Sorry for my poor English! Nevermind, most french people are really unable to read english, so I wonder whether MMM would allow me to translate articles in french on my own blog?

 Now I have to learn from reading community stuffs!

Title: UK Moustachian
Post by: MrMoneyMotivator on January 21, 2013, 12:35:09 PM
Hello!

I'm a newly converted Moustachian from the UK Soon(tm) to be a complete Badass!

I am blogging on MrMoneyMotivator.com (http://MrMoneyMotivator.com) (yes, I totally 'borrowed' the TLA from MMM, hope he doesn't mind too much!) and hoping to give a British style outlook on Financial Independence and Early Retirement (FIER me!), from an early 30's ex Army guy with no kids and an ex-wife!

Any UK Moustachian's are welcome to come on over and say hi, and you USofA'ians will be warmly received too :)
Title: Re: Say Hi and Introduce Yourself
Post by: ccwishon on January 22, 2013, 10:19:58 AM
Hello!

I'm a 26 year old Californian who is working to acheive financial freedom on an educator's salary. Having grown up in a very materialistic part of Southern California, I'm finding this blog and this community to be a breath of fresh air!

Also, thanks to MMM I have now made my first-ever investments in the stock market, and I enjoy checking on them every day and seeing the money grow :)

I am also embarking on a "buy nothing new" year and blogging about it here: ccwishon.blogspot.com

(Sorry for the shameless plug!)
Title: Re: Say Hi and Introduce Yourself
Post by: ceh on January 23, 2013, 02:18:33 PM
Hello everyone.  I started a couple threads already, but haven't formally introduced myself.  I hope to post more and contribute wherever I can.

I am 27 years old, married, and living in Maryland.  I worked for a few years as a mechanical engineer, and just recently started my PhD.  I have been reading the MMM blog for quite a while, and decided I needed to check out the forums to see how everyone else is living a mustachian lifestyle.  I wouldn't quite call my lifestyle mustachian, but I am definitely working on it.  I have always been pretty frugal, but I am working on finding other income streams while in graduate school so that I can increase my family's cash flow.

Other than that, I enjoy being active.  Unfortunately grad school and a long commute have cut down on my exercise recently, but I am determined to find more time for running and weight lifting.
Title: Re: Say Hi and Introduce Yourself
Post by: Stashasaurus on January 23, 2013, 07:03:40 PM
Hey everyone,

After creeping on the forums since August 2012 I figure it is about time I post.  I am a recent graduate and feel like this blog and forum will help me keep myself on track.

My biggest goal post graduation is to have a 10 year career, something I would never have thought possible pre-MMM. I will have to post my monthly financials to get the necessary face punch. Sadly I am looking forward to it.

 
Title: Re: Say Hi and Introduce Yourself
Post by: marty998 on January 23, 2013, 11:45:06 PM
Welcome Stashasaurus. As long as you don't have a boat, I think you'll be fine.

http://www.mrmoneymustache.com/forum/ask-a-mustachian/im-new-here-slap-me-in-the-face-!-(-canadian-)/

If you do, maybe sell it before posting :)
Title: Read every article so time to join the forum!
Post by: PKFFW on January 25, 2013, 03:58:14 AM
Hi Everyone,

WOW!

Took me about 6 weeks of reading but I've now read every article.  Was a bit weird to read the straight line article just now and not have a link at the bottom to the next article!  So I thought it was about time I joined the forum and started reading it too.

So a bit about myself...

Firstly, TL;DR version......love the blog, we are doing pretty good but will be making some changes, glad to be here and will post when I think I can add something in the forums.

Long version.........

I'm 39 and my wife is 33.  Both work full time.

We are a DINK household.  Total household income last year was $136,000 after tax.

Last year we managed to save $65,000

Only personal debt is our home mortgage which currently technically sits at $300,000 at 5.44% variable rate, however we have $46,000 sitting in there saving us interest that we can redraw if we desperately need it so really the mortgage is $256,000

Living in Sydney, Australia it isn't as simple as "live close to where you work" unfortunately.  My wife, a Police Officer, has a 30 minute commute each way to her work but houses in that area would be way out of our price range anyway.  When her tenure is up in another 6 months she is hoping to get a transfer closer to home but we shall see.  I'm a fire fighter and part of my job is travel all over the place to cover for people who are on leave.  Some days that can be a couple of hours drive each way.  However, I do get paid more to do it and I also get paid extra per kilometer I drive.  That per kilometer part that covers my work related driving actually covers all my costs and makes me money. Her car is a tiny 3 door hatch back.  Mine is a ute but I need it to carry a load of work gear around the place and our dogs when we go camping or to the dog park.  It does get 29 mpg though so it's not all bad!

We have a combined total of $158,000 in our superannuation(our version of 401k stuff) which kind of sucks.  The GFC pretty much cut it in half.  The rules have recently been changed allowing us to manage this money ourselves.  So we are looking at setting that up and either investing in more property or in dividend paying index funds.

We have used the saved equity in our home to invest in property and we are currently in the process of purchasing a total of 6 investment properties.  Through the tax benefits and rents and a government incentive given to rent the properties to lower income families(but still good tenants with jobs) they will all end up being cash flow positive.  We will be better off by approximately $30,000 per year starting around July/August this year when they all get finished being built.  That will all go to paying down the personal home mortgage quicker.

Overall I feel we are doing pretty good, having never had cable tv, don't eat out much, cook our own food, only go to the movies on cheap tuesday and only about once every few months, etc.  Not a deprived life but careful and well within "budget".  About the only real "antimustachian" expense is our 2 large dogs and cat.  They do cost a pretty penny let me tell you!  However, they are part of our family now and our responsibility and we love them so don't even think about suggesting we get rid of them!  :-)

After reading the blog though, some changes are being made.  The grocery store is about 2km away so no more driving there, it's biking there now.  The coffee's we occassionally buy whilst out with the dogs are gone since we have a nice coffee machine at home.  We track everything we spend with an app on our phones.  Phones will be changed to a cheaper plan as soon as the contracts are up as well.

So there you have it.
Title: Re: Say Hi and Introduce Yourself
Post by: William on January 25, 2013, 11:33:50 AM
Hello, everyone.


I just turned 23 years old.  I grew up on a family farm in Nebraska so I grew up into a frugal lifestyle.  Many farmers net much higher than average salaries but they do not feel the need to show off.  I began investing at age 10, picking my own mutual fund.  I have a bachelor's degree and zero debt of any kind.  Soon I will be starting a new job in Lincoln, NE.


Thanks for having me!
Title: Re: Say Hi and Introduce Yourself
Post by: Vanessa on January 25, 2013, 02:07:30 PM
Hi Everyone,

I have been a reader of the site for about 6 months now and I must say that I ressonate with what so many people say here, what they struggle with (that they admit they struggle) and how they live their lives.  I am lucky to have close friends who also think like this, though I feel family and community-at-large really can drain me on some of the philosophical differences of how people choose to live their lives.

A little background about me: My husband and I are in our early 40's and have a 9 year old daughter.  We lost our younger daughter to childhood cancer about 5 years ago now.  While we were always people who didn't follow the norm (keep up with the Jones mentality), the loss of our daughter takes us a major step further from the mindless-consumer-egotistical way of thinking and living. 

About a year ago, my husband, who is in the financial industry, decided that he is financially better off long term in this industry if we made the move to Chicago from Milwaukee, so we did.  Because we have been sort of mustachian people our whole life, we came out of the move okay, although I am really feeling the pinch of the much more expensive cost of living and tougher commutes.  I also work as an instructional designer (create e-learning) and found a gig that isn't killing me as far as the commute goes.  I am willing to stick this out- to the Rice Lake, WI guy (love your posts by the way)- I would live in that direction if I could figure out a way...I digress...

I will make the best of my situation right now though~ and I do fairly often see cool people posting in the Chicago area and I am glad there are many mustachians here.  I'd love to meet anyone in the area who is trying to raise a family with mustachian values- and who is looking for similar meet-ups. 

Love reading so many of your posts!!!  ~ Vanessa

ps. Pretty much my only non-mustachian habit is going to Depeche Mode concerts, which I will travel near and far to follow them.  If you are a fan of theirs, most likely you know they are releasing a new CD and going on tour this year...I'd also love to hear from anyone who is a huge fan.  Thanks~ these are the things that I look forward to most in life.
Title: Re: Say Hi and Introduce Yourself
Post by: Purple on January 26, 2013, 01:34:25 AM
Hi I'm Purple,

I am also an engineer and live in Melbourne Australia with my husband and two kids. The motto of our household has long been, 'Go Hard or Go Home' which is really about maximising badassity.

I am so grateful to MMM for his blog. What an awesome guy to be so independent minded but still connected and loving to humans ... and then, give this incredible gift to us all.

Our MMM journey is constantly evolving and I thank you all for your contribution to it.

Purple

Title: Re: Say Hi and Introduce Yourself
Post by: tarantoga on January 26, 2013, 10:42:02 PM
Hi Everyone,

I'm in my mid-40s with wife and 2 kids in the SF Bay Area. I believe we have many mustachian behaviors already (frugal with spending, usually buying older cars and doing the work myself, buying less house than being qualified for, doing most of house renovations myself, biking often, public schools for kids) but we're way behind on retirements savings despite a very healthy 6-figure income (one earner). Luckily I'm very compatible with my wife in the regard of finances and spending.

What brought me here is that I have a very realistic shot at getting a huge stock option payout from an IPO in the next 1-2 years. I want to make sure I'm ready to make it last for early retirement instead of buying the flashy car and house - and that will mean we'll have to become even better at being mustachian. And of course there's always the possibility that the IPO won't come through - and then we need to make more drastic changes to allow for retirement "some day". This blog showed me that it's possible without sacrificing a good life.
Title: Re: Say Hi and Introduce Yourself
Post by: earlybird on January 27, 2013, 01:44:35 PM
Hi All! 

Like others I found MMM from GRS and it's a much better fit for me. I love MMM's sense of humor, cursing, and writing style. I'm sure I can be punched in the face for a few things but I'm making positive changes.

I'm 49, a registered nurse, and soon-to-be-married again. I was widowed at 45 when my DH of 20 years died after a short illness. We were DINKs. During our marriage I was not at all frugal. We both made good money but I liked to spend it on stupid shit that I now see didn't make me happy. We had good credit but were really in debt. Long story short, luckily we had life insurance or I would have lost our home. I couldn't afford the mortgage on a nurse's salary alone. Not to mention the CC debt. I put the life insurance money to good use and paid everything off including the house. One of my goals this year is to not purchase any clothes, shoes, or jewelry. I have enough.

Fiancé has been a lifelong saver. I'm quickly learning. Unfortunately he was laid off from work and is currently looking for a new position. He's very smart so I'm sure something will come up. Since he saved so much for so many years we've had no problem adjusting to his loss of income. He isn't on board with ER just yet but I think he will be soon. I can't wait to retire! Nursing is a difficult career.

I've been lurking here for quite a while and only recently finished reading every single blog post and thought I'd get started in the Forum. One day soon I will start a post about our financial situation so that I can get wise advice from others in the Forum.
Title: Re: Say Hi and Introduce Yourself
Post by: Noblesse Oblige on January 27, 2013, 09:13:56 PM
Hello Mr. Money Mustache Community.

I would like to begin my maiden post with a message of gratitude.  Thank you Mr. Money Mustache for creating this website and sharing your message with the world.  Your outreach has touched the lives of many, mine included.  I would also like to thank the MMM Community for its dedicated and provoking participating in this forum.

It has been one year, to the day, since I discovered MMM and found within me the long-dormant qualities and characteristics that this community is built upon.  Though I have not been an active participant, I have been a faithful, if silent, companion.  MMM has become a daily indulgence and I have watched this community grow, as I have grown with it.

I am originally from South Dakota, but moved to the Washington D.C. area in 2010.  I serve in the United States Federal Government.

Prior to "my MMM awakening," I was the victim of ignorance and apathy. My circumstances were not poor, but I was without bearing and lost in the doldrums of middle-class American society.  Since then, I have learned to appreciate financial responsibility and wield my ambitions.

I will do my best to bring value, in whatever form it may take, to this community.  I am a stranger to online forums, but shall strive to emerge from the back-benches, now and again.  I anticipated anxiety, perhaps even a degree of fear, when contemplating participating in this forum; however, as I write these words to you, I find it pleasantly liberating.  I suppose that I should not find this all that surprising.  After all, for me at least, that is what is at the heart of FIRE:  liberation. 

I thank you for your indulgence in reading. 
Title: Re: Say Hi and Introduce Yourself
Post by: Purple on January 28, 2013, 01:42:46 PM
Good one Noblesse Oblige
Title: Re: Say Hi and Introduce Yourself
Post by: babycakes6001 on January 28, 2013, 02:42:13 PM
Hi my name is Elyse and I am new into the financial business as a CSA.
Title: Re: Say Hi and Introduce Yourself
Post by: taxman on January 28, 2013, 08:10:19 PM
Finally finding my way.  Not sure I perfectly belong in this special mustachian group -- feel too "lucky and privileged" based on reading many of the entries.  But, I am already trying to figure out how to make sure my kids understand the MMM philosphy -- as they grow up in a much more privileged way than my wife and I did. 

Basically had my head buried in work and many other activities for 20+ years.  Never bothered thinking about liberation!  Regardless, perhaps I am as lucky of a mustachian as they come.  Just passing my mid-40's and finally figuring out that MY TIME is too valuable to continue working 50-80 hours a week.  Making north of $200k a year, saving close to 50%, after tax.  Ironically found this website with a thread on severance that was very controversial in mustachian-land.  I am quitting soon, but have lot of deferred comp and figuring out whether there is some way to scrounge some from my employer as I depart. 

Saved a LOT in route to getting to this point and investing wisely.  Always get more of a thrill saving money than earning it.  Often feel I don't belong in the community in which we live - everyone spends like there is no tomorrow.  Have a nice house, small mortgage, but no other debt, nice wife, 2 boys (16 and 13) - but not nearly enough time to truly live/enjoy/etc.!

Looking forward to reading more, joining in, and ENJOYING life.  Best of luck to all of us!
Title: Re: Say Hi and Introduce Yourself
Post by: martynthewolf on January 29, 2013, 02:16:37 AM
Hi all,

I'm Martyn, I'm 25 years old, hailing from the U.K. I have recently found out about this forum. It's opened my eyes quite a bit. I have a decent income and a small amount of debt that I'm starting to much more aggressively reduce thanks to posts I've read on this forum and I'm starting to think about getting some money put away and working for its' self. At the minute though I don't even know where to begin with doing so.

So I hope all you kind MMMs will be able to guide a financially naive guy towards FI.

Thanks for building such a great community.

Title: Re: Say Hi and Introduce Yourself
Post by: FattyLumps on January 29, 2013, 11:26:40 AM
Read the entire MMM blog in about 3 weeks and it really resonates with me. Frugality is in my blood, but my big financial "mistake" (depending on who you ask) was student debt; my wife and I have about $50k in student loans. Speaking of the wife, she's about 50% on board with Mustachianism; pretty frugal, but doesn't see early retirement as a goal etc. I'm 23 years old, so we have time but our low income is going to make overcoming the debt a challenge.

Looking forward to rubbing elbows with some real mustachian badasses.
Title: Re: Say Hi and Introduce Yourself
Post by: alex808 on January 29, 2013, 09:08:51 PM
Aloha from Hawaii

My name is Alex and I have been living on Oahu for 4 years, previously lived in Florida and NJ

I work for a government contractor building websites for the DOD

If anyone has any questions about living or traveling to Hawaii let me know
Title: Re: Say Hi and Introduce Yourself
Post by: duckybelkins on January 30, 2013, 08:56:53 AM
Hi! I'm Heather, I'm 25, and I'm a student.

I'm very intimidated by this website/community because so far I make no money, rely entirely on my parents, I'm new to finances, and I'm probably very wasteful.

But I feel very very useless because I don't make money right now so I'm hoping this website will help give me ideas about saving money, making money, and where to put what little money I have so that it'll work for me.
Title: Re: Say Hi and Introduce Yourself
Post by: Accidental Miser on January 30, 2013, 11:58:42 AM
Hello,

I am attempting to repair a quarter century's worth of questionable money moves.  Finding this blog has changed my life in some important ways.  My wife and I have five grown (or nearly grown) sons, three of whom still live with us. 

Because of what we've learned here, we have paid off a ton of debt and are on a five-year glide path to Independence.  It may take six (or four) but we'll get there soon.  For most of our married life, we had one income and spent it all and then some.  We are both now employed and in the process of saving and deleveraging.

I look forward to joining this community as we all journey to the sunny uplands of freedom!
Title: Re: Say Hi and Introduce Yourself
Post by: JamesL on January 31, 2013, 10:43:21 AM
Hi everyone,

I'm glad I stumbled accross this site because it's turned my thoughts of early retirement upside down. I originally wanted to retire in my 40's-50's, thinking that was early. Now after reading this I'd love to shoot for my 30s!

I'm a 23 year old college student who is also working for the University, which gives me free tuition because I'm a full time employee. So I'm making money and getting free tuition, all while living at home. I took the safe route, by going to Community College and then this sweet deal.

Unfortunately I spent some time trying to figure out what to do and am still somewhat in that process (changed majors 3 times). I have 17 months until I finish my undergrad, in accounting. So I'll be 25 when I finally graduate, but better late than never I suppose! Hopefully I can make some nice $$$ as an accountant, and continue to live frugally.

I've always been pretty smart with money, but this site gives me even better goals and opens my eyes to silly spending. I drive a Toyota Echo (I saw that was one of your recommended cars- booya!), and ride my bike to work when I can (11 mile ride each way). I just opened a Mint account but by my estimates I'm saving around 80% of my income (living at home rent free and majority of food free can't be beat).

My income is barely over minimum wage, but I have employment matching for my roth account up to 7%, so I've been doing that since I've been eligible. I also maxed out my Roth IRA last year and am now saving for a house slowly but surely. Because of health insurance benefits, free school, and my matching retirement, my low paycheck doesn't make me feel too bad. I live in Southern California though so house prices would make most people cry, but that's the price I'm willing to pay to stay near family (and the weather, although I prefer a more low key vibe other states like Idaho have)

Anyway, I look forward to being a part of this community and I'll be soaking in all the knowledge I can!
Title: Re: Say Hi and Introduce Yourself
Post by: Mountainman75 on February 01, 2013, 03:06:13 AM
Always enjoyed the mustachian-esque lifestyle, and been reading the blog for a while now. Finally decided to pony up and register for the forums after reading a few threads on rental refinancing, etc.

My wife and I are stationed overseas, currently in Vienna, Austria. She is employed by the US govt. which brings us lots of perks, but also the hassles of managing properties in the USA remotely. We currently own 2 rental properties in Washington DC and rural Virginia.

My current "day job" is working for a small renewable energy engineering company, but I have a lot of side gigs catering events. Between us we do more than OK, and manage to wipe out $75k of debt over the last 1.5 years. Working towards managing our properties better, with the goal of being able to retire on passive income sources inside of 15 years.
Title: Re: Say Hi and Introduce Yourself
Post by: Bill76 on February 01, 2013, 08:20:34 AM
Hey, I'm Bill.  I live with my wife, 3 kids, 3 chickens, 2 ducks, and 1 dog in Tennessee.  I just discovered MMM a couple of months ago, and after reading everything on the site, I'm starting the process of moving us towards badassity.  Thankfully, my wife is naturally pretty frugal (moreso than I am), so she's been on board with the small changes we've made so far.

My day job as an engineer pays pretty well, and my wife stays home with the kids.  She brings in a little bit of extra income selling things on Etsy and craigslist, but we don't count on that in our monthly budget.  We currently own one rental property (my house from before we got married), netting around $450 monthly before factoring in maintenance and repairs.

I probably won't post a whole lot, but I'll share my opinions every once in a while.
Title: Re: Say Hi and Introduce Yourself
Post by: Kenoryn on February 02, 2013, 03:16:02 PM
Hi! I'm Kenoryn. I'm a 28-year-old civil servant in the Ontario government. I'm a musician, and play in band and in my local symphony. I'm slowly learning woodworking and woodcarving. I bought a fixer-upper house a couple of years ago with no reno/construction experience and have been slowly renovating it and gaining all kinds of new skills along the way. I hope to build my own house someday (with my boyfriend). I grow most of my own food (that is, I grow almost all of my produce, including tomato sauce, salsa, ketchup, jam, etc., and I'm just getting into growing grains (we bought a grain mill last year!)  We eat very little meat, but what we do eat, as well as dairy, and the more exotic spices and things like coffee that just don't grow in Canada, although we're trying, we buy.) I'm interested in health from a diet perspective, an environmental perspective and a fitness perspective. And I have all kinds of other skills I wish I had more time to learn. :)

I was thrilled to find the MMM blog and discover there are other people there whose lives don't revolve around working and acquiring stuff! Still have lots of improvements to make in my own life.
Title: Re: Say Hi and Introduce Yourself
Post by: Parkertom on February 03, 2013, 07:38:30 PM
Hi, my name is Tom. I just happened upon MMM during a google search last weekend. I promptly spent the whole last week reading every blog post from start to finish. I am excited to put the Mustachian principles into practice. We do a pretty good job at saving and have been saving about 25% of our gross income. Have a ways to go. I am excited about what we can do.

I live in Northern Virginia, which is a pretty high cost of living area. My wife is a teacher and we have two children, a 7 year old and a 5 year old.

Time to get a bike, sell my 2012 car and get started!
Title: Re: Say Hi and Introduce Yourself
Post by: crazy jane on February 05, 2013, 02:21:27 PM
Hi, I'm crazy jane. I have been a regular reader for the past six months and have always been on the frugal side.

I live in the Chicago area and I biked to work in the snow today. This is normal for me as I've been biking regularly to work (junior high math teacher) for seven years. I drive a Ford Focus stick shift on occasion. The rule is "Don't mess with lightning!"

My two kids are 21 and 24. They were raised to be independent and have left the nest. I'm using Mustacian principles to pay off my only debt which is a small mortgage.

Looking forward to financial independence and continued learning from MMM and all the people in the forum.
Title: Re: Say Hi and Introduce Yourself
Post by: NickG on February 06, 2013, 08:10:24 PM
Hi, I'm Nick

I'm a 24 year old Ohio native that loves the outdoors and fitness. I'm an office monkey presently, working on getting my monthly savings up around 55%.

I came across this website just surfing the interwebz a few weeks ago. My financial life isn't in the worst shape, but the discussions here and on the blog have gotten my gears turning with new ideas on saving and and supplemental income.

I look forward to having discussions with everyone here!
Title: Re: Say Hi and Introduce Yourself
Post by: Wooderson on February 06, 2013, 09:28:27 PM
Hi, Wooderson here.  39, married, children on the way.  I have always been frugal, averse to debt, etc. but never thought about FIRE until I ran across MMM.  It may be a possibility for me, we will see in a few years.  Interests would be auto racing, soccer, biking, metal work, home projects, hunting, personal finance, camping......  Maybe I need to be more frugal in my interests :)  I look forward to following along and hopefully providing insight where I can.  BTW, I posted in Investor Alley looking for advice about a 401k to Vanguard IRA rollover, among other things.
Title: Re: Say Hi and Introduce Yourself
Post by: Rural on February 08, 2013, 04:45:58 AM
Hi, I'm Rural, and the name is true. Married with dogs, and nearly finished building a house in the woods. I found MMM through another money-saving site and I think it's a much better fit for me. We're currently saving around 60% of our net income (in the form of equity, mostly, as we've been building), and soon we'll be ready to start sinking that amount into true retirement savings instead of a place to live in retirement.

I won't be joining in the biking discussions; it's five miles, minimum, to anywhere from here, and 35 to work for me. It's 45 to his work, and he's looking to make a change to that when he can (teacher on a yearly contract); meanwhile we carpool. We won't be moving out of the house we've built with our own hands, though. :)  We will be retiring to it eventually, maybe soon, maybe not, but we intend to work longer if that's what we choose, not because we have to.
Title: Re: Say Hi and Introduce Yourself
Post by: BPA on February 09, 2013, 07:35:03 AM
Hello.  My name is Lisa and I live in southern Ontario.

I've used frugality to help me afford working part-time for the last 7 years.  Working part-time has been a big sanity saver since I am raising a son with special needs and school days can seem too long for him.  It was great to be able to pick him up at noon and not worry about losing my job. 

That frugality is making it so I will be able to retire in 1967 days with a small, defined benefit pension.  My major goal is to pay off my mortgage, so that I can keep my house here and live comfortably on my pension.  Should I fall short of that goal, I have a couple of back up plans, but all my spending decisions now end with me thinking, "Will this decision result in me having to work past June 29, 2018?"  Keeps things in check.

Love the MMM and ERE communities. 
Title: Re: Say Hi and Introduce Yourself
Post by: Sweet Tart on February 09, 2013, 10:19:04 AM
I've been reading MMM for the past few weeks and I'm finally ready to introduce myself.  I live with my DH and 16yo son in Seattle.  I also have a 21yo son who is a Junior in college in Boston.  DH and I have a goal of moving to Hawaii when our youngest graduates from HS and moves on to his next life adventure (college, work, travel?).  Alex808--I'd love to pick your brain about living mustachian on Oahu as we currently see that as our first stop on this adventure.

Sadly, we are far behind many of you in getting to FI (I am 50, DH is 45).  I got divorced 10 years ago after 11 years as a SAH mom.  I learned frugality along the way, but lost all of my savings in the divorce and just trying to get by.  I fully admit that I was not thinking things through at the time and just tried to survive without taking on debt.

I got remarried 5 years ago and also went back to school around the same time.  I spent two years getting the coursework I needed to take (and pass) the CPA exam and I have been working as an accountant for a private company for the past 2.5 years.  I just got my CPA license in October.

I freely admit that DH and I have not been living very frugally or mustachian at all.  We've come close along the way, but have let life's ups and downs get in the way of fully embracing this philosophy.  Well--no more!  2013 is the year that we buckle down and get our finances in order.

We've worked out a budget that gets us spending at about 50% of our income and February is our first month of implementation.  The rest is being funneled towards our debt--a 0% interest cc that we used to help our son with tuition payments and my DH's student loan.  We also have a mortgage on our home which is not underwater, but pretty darned close.  We hope to get out of the house without having to bring anything to the table when my DS graduates from HS.  I am actually really looking forward to living in a smaller place that requires less maintenance.  I bought my ex out of the house at the height of the market and have regretted it ever since.  But DH and I are leaving regrets behind us and moving forward!

We're also far behind in our retirement savings for our ages.  Right now we have ~$100,000 in various 401ks and we only contribute 4% each (up to our employers' match).  Once we blast our debt out of the water we plan to hit savings hard! 

I'm so glad that I found MMM and I'm excited to be implementing changes based on what I've read here.


Title: Re: Say Hi and Introduce Yourself
Post by: Left on February 10, 2013, 04:12:07 PM
Joined today after reading here for a few weeks. Some of the things haven't caught on for me, but I'm trying to live frugally but with a standard that I can enjoy. Well being a single 27 year old, I'm able to put away about 1k/month which I figure isn't bad. This is after making my 401k contribution. I'm still learning how to invest what I save so I'm a little wet behind the ears as the saying goes. Well hoping to stick around here for more tips and community.
Title: Re: Say Hi and Introduce Yourself
Post by: daniel099 on February 12, 2013, 02:04:07 AM
Hi everyone i am new here i am Daniel live here at Philippines and i am 25 years old.
Title: Re: Say Hi and Introduce Yourself
Post by: Theadyn on February 12, 2013, 07:51:34 AM
Hello all, new here, have been reading for a few months.  Newly widowed 41 y/o with grown daughter.  Pretty much starting from scratch on the investing, although have been very avid frugalite for years.  Getting ducks in a row now to start working towards FI.  For now have been cutting everything lifestyle wise down (got expenses down to about 1k monthly, including mortgage).  Will need to concentrate on the earnings soon (getting over recent injury resulting in surgery and physical therapy, yay).  Besides the small mortgage (down to 70k), have a small debt from recent injury, less than 4k, to work on.

Still at a cross roads, I must admit.  Not sure I want to get back gung-ho into working tons of hours to build up a large amount or find a niche in life that I truly enjoy so it doesn't feel like 'work', let the creativity in that find the money for me...  if that makes sense.  My husbands recent passing and all the financial things that ensued has left me really craving security.  At the same time, I know life is wayyyy to short to be punching a clock for the man and not enjoying things that matter  Hence, here I am.  Love the thoughts and ideas floating around here.

Cheers.
Title: Re: Say Hi and Introduce Yourself
Post by: .22guy on February 12, 2013, 01:23:29 PM
Hi there,
I'm new here, great site with lots of practical information.  I won't bore you with all the details, but I feel like I'm doing pretty well with my journey to FI.  But I'll probably be posting some threads asking for some advice in the near future. 

Title: Re: Say Hi and Introduce Yourself
Post by: forward on February 12, 2013, 04:01:40 PM

I have been on here a few months and have not taken the time to introduce myself and that's not right!  Finding this and related communities has honestly been a revelation for me.   I am 45 and have always said the words - I want to become FI but I never really actively did anything about it.  I have always been frugal and assumed it would happen or on the other hand it would not happen because it just isn't possible.  Now I understand it is and it is up to me!    I just was not very smart about things and I have been working since I was 14, wow I wish I had realized all of this sooner.

I have much to learn and much to do to make it happen but what an eye opener this has been!
Title: Re: Say Hi and Introduce Yourself
Post by: ReadingLearner on February 14, 2013, 04:15:18 AM
Hello everyone :)

I would like to introduce myself: I am not a full "mustachian"  yet (only a wannabe for now :P), given that I have been very anti-mustachian until 2011 when i finally decided to start paying down by $23K debt! I have $10K remaining and am trying to pay it down this year.  I'm 29 years old and it would be nice to retire early. It is quite the challenge given that I have some expenses that I can't seem to get rid of (Canadian Cell phone bill, debt repayment schedule, live far away from everything,etc). I would like to be retired early (an official mustachian!) and right now, I am slowly developing the traits of frugality. I'll be moving closer to my work in a few months so that I can walk and save $100 from my monthly buspass. Also, my next step is to buy groceries by walking to the grocery store. Also, I don't know how to ride a bike just yet, but will learn in the near future :) This blog, however, has been quite the useful source! So glad to have found it! I look forward to learning and growing my badassity muscles with all you fellow mustachians :P

Title: Re: Say Hi and Introduce Yourself
Post by: HelloHuey on February 14, 2013, 06:58:15 AM
Hello!

My name is Huey and I'm a 22 year old living in Denton, TX.  I started reading MMM last April because my job allows me to surf the net, so I read the whole blog start to finish in a couple of months.  MMM really caused me to see each dollar as significant, and that has brought change to many aspects of my lifestyle.  I am lucky enough to be debt free, with my whole life ahead of me.  I occasionally go into debt for certain mustachian investment opportunities when they prevent themselves.   I'm currently working two jobs at 50-60 hours a week to get a head start on my nest egg, and I've put the majority of my savings into the stock market.

I'm excited to see where life takes me!
Title: Re: Say Hi and Introduce Yourself
Post by: Rollin on February 14, 2013, 07:29:07 AM
To all MMM forum users I'm new here and would like to say hello.  I've recently found the MMM website via a bicycling forum that is about living car free - there was a link to the post that MMM offered about getting ready for bicycling in winter (really cool by the way - no pun intended).  I love the direction MMM it is going.

I've been frugal (to some degree) for most of my life - at least more frugal than the "norm."  Was debt free from June 2001 through October of 2012.  I owned two homes during that time and autos etc., but now own a third home that I had to take a loan out on (20% in cash though).  My plan is to sell the other two (maybe rent one) and payoff the one with a loan - and get back to debt free.

I have a good retirement plan (actually a number of "funds") that I started on when I was 24 (three decades ago) and planned on retiring at 50.  However, in deciding to take on a new family I agreed (with myself) to go another 10 years full-time.

I really believe that "your money is your life" and understand how much I trade in time to have certain things that cost money.  I sometimes forget about that path though, but it's sites like these - and forums like this one - that get me excited about getting back to and staying on my track.

A little about me.  Healthy, happy life with a large family.  Working full-time to support all - including three teens that are extraordinary, but that are also being exposed to the standard American lifestyle in more ways than I like.  Not everyone in the family thinks like I do (imagine that!) about money and life, but I do live the way I think I should* and eventually at least they will understand that there are options and alternatives to the standard way of doing things.  Then, it's their choice.

* For example, I believe that riding a bicycle to work is an option to consider, as is riding the bus.  I do these two and drive a vehicle to work, but the mix is probably 30% bicycle, 10% bus, and 60% SOV (single occupancy vehicle - except when we van pool to meetings  - I take as many as 8 at a time).  This in an area (west-central Florida - USA) that normally doesn't see "executives" doing that.  Sometimes I feel like Superman (or would that be Clark Kent at that point in time?) jumping into the phone booth when I arrive at the office at 7:00 am, change into my "normal" work clothes costume, and resume the life that an executive lives.  But, I feel that for those that "find out" that I do things differently, they also can at least see that they have a choice, or alternative to the "norm." I dream that they think to themselves - "Hey, I've known him for many years, he's an upstanding citizen, spends much quality time with his family, he seems rational, kind, and not at all weird.  Maybe there is something to what he does that I might start doing to better my life."  At least I think it betters my life!

I look forward to joining in on your online conversations.

Lastly, to register you really need to jump through some hoops!  I tried a bunch of different responses that would comple the phrase that was supposed to end in "Badassity."  Never had it so tough!

EDIT:  I now see the "Badassity" phrase right on top!  Face in palm now.

Thanks all!
Title: Re: Say Hi and Introduce Yourself
Post by: EarlyRetirementMild on February 15, 2013, 01:20:32 AM
Hello friends!

I'm James.  I found this website via a UK money saving website and have been somewhat hooked since January. Well done all!

Me and the family live a fairly frugal life in London and I shall be investing c45% of nett income this year.  FI date tbc but maybe another 9 years.  I have a strong 'don't tell me what to do' streak so FU money holds strong appeal.

I work as an occupational psychologist (I/O I think you'd call it) and am pretty interested in Behavioural Economics & the irrationality of our relationship with money.  Personally, I think that I work too hard for my money to waste it on shit.  However, I do like my cafes and taking my daughters for a 'babyccino' after swimming!

Anyway - thanks for the site and the good forum.

Hope to forumify with you soon.

James

PS - I'll be visiting Orlando on business this month - any insider tips for things to do and see?
Title: Re: Say Hi and Introduce Yourself
Post by: psychomoustache on February 15, 2013, 02:34:05 PM
I feel like with this site/forum - I'm going to have the support to make changes that I've wanted to my whole life - I just couldn't stick with it on my own.

We are starting late on the savings track - mostly because of our big trans-atlantic move 15 years ago when we sold everything we had in the States and just broke even after 9 years there, and started over here in France. I took a few years off to have babies, and am back to work now since only 7 years ago. DH is an engineer so he makes most of what comes in, and I am a psychotherapist/psychoanalyst in private practice making 800 euros a month net. (DH is French BTW)
So what woke me up (DH is not entirely on board with mustachian-ism, even if he is highly anxious and a bit obsessive about money)...we have been doing Dave Ramsey now for years, and made some progres (paid off all debt except the house for example) then just have stalled out. We still have very little in retirement and liquid. Part of that is we live in a socialist system and they save for us (NOT to make lousy excuses for our lousy behavior, but still) and part of it is - well we just kind of are lazy poops. Or whatever. Well me especially - DH is a pretty hard-core cyclist and NEVER takes the car. Me- I am scared of the constant Brittany rain which is of course ridiculous.

What shocked my system and got me here (after drifting through various money-savingy-type blogs this is the place that just punched me in the face where I needed it as the Man Says) is that I recently learned that the French government is raising my taxes on my private practice AND asking me to pay back taxes on the past 2 or 3 years. I don't have French diplomas, so they don't consider me to be providing health services here, so I don't get a tax break as if I were a healthcare professionnel. Bref, as we say here, it's not going to be worth it to fight the French administration.

I don't have much of anything myself in retirement, and DH has his French engineer pension coming (I know, pension-schmension) and we only have about 130K in an IRA sitting in the States. This is just not acceptable, and it's our own fault - and we have been Dave Ramsey-drifting along on our lazy butts too long. So I had an epiphany - we are now going to live on his (rather generous) salary, and completely save the little I make (and hopefully more) and also, (unfortunately) find room to pay the back taxes.
I am still very American and don't trust the French gov't to provide for us - besides - I just hate the dependency factor. I started my practice even though I was told there was no room for more therapists or psychoanalysts in our small town - and I am booked. So F that.

First the Bad news then - we are old (I'm 47 and DH is 53) and we have three kids, one is college age. The Good news, we have everything we want or need (health care is solid, college education here costs next to nothing, we live in a big old house with just one paid-for car). So I figure better late than never, and we can still do a lot with the time we have left to work (I would actually LIKE to work about 20 more years or so, though not necessarily as much).
Thank you so much for being here and I look forward to growing a freakin huge mustache. With little curls on the ends...for style.
Title: Re: Say Hi and Introduce Yourself
Post by: icefr on February 15, 2013, 08:15:41 PM
Hi! I've posted a bit, but I never got around to writing an intro post. I'm in my early twenties, a little over three years out of college. I moved to the States from Canada with a job offer after college and bought a condo last year, so I'm settling in. I'm not as frugal as many people around here, but compared to many of my coworkers, I'm pretty frugal. I love comparing my stash growth to MMM's! Now if only my spending compared to his better...
Title: Re: Say Hi and Introduce Yourself
Post by: Tujin on February 15, 2013, 10:08:13 PM
Just wanted to take the time to write a quick introduction.

Hi, my name is Terry, and I'm a (recovering) sukka consumer. I'm going to be starting a journal in that section, and I'll give more specifics there, but here are the basics: I'm 28, wife is 26, and we have an 8 month old son. We also have a rambunctious Chocolate Lab named Lucy, but we have curbed her furniture destroying habits, which is obviously an important thing. :) My wife and I are both Navy veterans going to school on the GI Bill. I had the good fortune of a 75k/year job pretty much dropping into my lap, (was previously attending school full time) so we moved out here to Phoenix, and now I'm enrolled at half time. Part of the GI Bill (for those who aren't familiar) is that you get a monthly housing allowance in addition to tuition and a book stipend. A pretty sweet gig, I've gotta say. Unfortunately my very consumer mindset (I had a thing for buying expensive parts for 'fast' cars) didn't feel like this was enough, so I also took out all the financial aid the schools would give me - which is a lot these days. Consequently, I have 30k in student loan debt. Being enrolled at half time keeps me from having to make payments, but I am going to pay them off sooner - but I'll discuss that in my journal.

What really opened my eyes was reading this blog (which a friend pointed me to after I asked his advice on how best to invest the 7k tax return I have coming (despite the fact that I have a lot of debt to retire) and really considering what he was saying. When we were living on 35k/year, our average daily happiness was pretty much identical to our average daily happiness here, despite the fact that we are making (and spending) SIGNIFICANTLY more money. I looked at what that difference in annual spending would add up to after 10 years, and lets just say it was enough to motivate me to start taking this seriously, and make big changes now.

So here I am! I was considering starting a blog, but right now I think that would quickly get pushed to the side as my life IS legitimately very busy. Look forward to learning and sharing my experiences with all of you.
Title: Re: Say Hi and Introduce Yourself
Post by: Filibuster on February 16, 2013, 09:40:27 PM
Hi, my name is Jay.

I make a reasonable living, and really got sick of not knowing where all of my money is going. I was browsing the personal finance section of Reddit, when someone mentioned this site. I thought to myself... "Hell, I've got a mustache, I should see what this fella has to say." So far, I like what I see!
Title: Re: Say Hi and Introduce Yourself
Post by: bicycletraveler on February 17, 2013, 08:52:32 AM
Hi everyone!

I've been reading the MMM blog/forums for about 6 months now and decided it was time to say hello :) I'm 29, and I live near Boston. I've always been more of a saver than a spender (except when it comes to travel), so the Mustachian way of life isn't a huge adjustment for me. The three areas of my financial life that I do feel like I need to keep working on are food costs (too much take-out!), travel costs, and income. Finding a better-paying job has been a struggle, especially given that I like to take off for far-flung places (sometimes on my bike, sometimes not) for several months every year or two.

-BT
Title: Re: Say Hi and Introduce Yourself
Post by: Marantha on February 18, 2013, 04:12:27 AM
Hi I'm Maran Tha
hi to all here
Title: Re: Say Hi and Introduce Yourself
Post by: Goatee Joe on February 19, 2013, 08:14:36 PM
Hi yall!  I'm Goatee, found this site thru a random Facebook "like" from one of my buddies.  I'm originally from the mountains of rural Southwest Virginia, and my wife's a city girl from Chicago.  She and I live in Arlington, VA and enjoy biking, hiking, cooking, travel, and hanging out with our families.  I am a Fed and she's a teacher.  We're both fairly frugal, though she says I'm borderline obsessed with saving money!  I can't help it... for some reason I just always enjoyed having a stash, all the way back to when someone got me one of those plastic quarter banks when I was a little kid.

Been enjoying reading MMM since we stumbled across it this past fall.  This site is the exact tonic America needed at the exact right time.... lots of people wandering lost in the wilderness of mindless debt, really needing some punch-in-the-face guidance.  Then there's the early retirement discussion that's got me thinkin.... hmmmm.  Definitely one of the most useful resources on the internet these days... keep up the good work, MMM!
Title: Re: Say Hi and Introduce Yourself
Post by: startingover on February 19, 2013, 08:38:24 PM
Hello!  I'm Startingover, because it's the best thing to do in my situation!  I am 43 and live with my boyfriend and his son.  We are all saving and working for early retirement.  (Lucky Boy, he's only  15)  We bake our own bread, pay extra on bills, bike and save, save, save!  I am learning so much from the others on this blog.  Thanks to MMM for bringing us all together!
Title: Re: Say Hi and Introduce Yourself
Post by: azanon on February 21, 2013, 05:14:23 AM
Hello guys,

I decided I'd like to participate on this forum because from what I've seen so far, this is hands-down the best blog on the strategies and mindset necessary to achieve financial independence (FI).  MMM blogs are nothing short of excellent, and are easily of better quality than most books I've purchased on the subject. 

Me?  I'm in my early 40s, have a wife and child, and have made substantial progress towards FI myself.  I'm ultimately going to need a bigger stash than MMM for two primary reasons: 1. My moustachian badassity is not nearly as fine-tuned as MMMs, and 2. I don't really have any sort of trade skills where I could earn additional income if the need were to arise.  Well, maybe that's too harsh, I probably could in a pinch, but it would just be easier to amass what I need now given my current income level.  In other words, when I pull the plug, I ideally like to be completely done with working for pay. 

Those differences aside, I share MMM's passion for FI, and also his desire to help others come to understand that time, family, and personal experience are so much more valuable than over-priced, space-hogging material possessions.   America, in particular, is severely stricken with an over-consumption disease of sorts, and this really saddens me because I believe that so many of us are missing out on a greater happiness.  Let's all work together and help individuals come to understand that there really is a better way.

Thank you,

Az
Title: Re: Say Hi and Introduce Yourself
Post by: Ultimate Cheapskate on February 21, 2013, 03:45:05 PM
Hi -

I'm Jeff Yeager, aka "The Ultimate Cheapskate." I'm an author, freelance writer, and general pontificator about enjoying life more by spending and consuming less.  It's good to be here.
Title: Re: Say Hi and Introduce Yourself
Post by: Kriegsspiel on February 21, 2013, 03:50:06 PM
That was quick, someone was just talking about you.
Title: Re: Say Hi and Introduce Yourself
Post by: Cid47 on February 23, 2013, 04:57:02 AM
Hi all!

I'm new to the world of mustachianism, having discovered it just a little over a week ago when I stumbled upon the blog while trying to figure out if I'm paying too much in electric bills (I am, of course). In the past 9 days I have read all of the blog entries and most of the comments afterwards and can say with all honesty that my mind has never been so completely blown. So now I'm on the track to full mustachianism. Look forward to sharing this road with you all!
Title: Re: Say Hi and Introduce Yourself
Post by: Obgyn65 on February 23, 2013, 08:57:43 AM
Hello - I am obgyn65 and this is my first post. I am pleased to have found this website.

Take care everyone

Ob
Title: Re: Say Hi and Introduce Yourself
Post by: 1e7ksi on February 23, 2013, 03:18:34 PM
Hello all!

I am a current college student studying engineering at my local in-state university trying to graduate with minimal debt and be Financially Independent by 30.


Live Long and Prosper,
1e7ksi
Title: Re: Say Hi and Introduce Yourself
Post by: Last Best Place on February 23, 2013, 08:11:24 PM
Hello, I'm Carrie.  Married, 2 boys, early 40s, and we live in the last best place, which you'll know about if you've been here.

We have enough in retirement accounts to be fine when we get old, our only debt is a mortgage that we expect to pay off within a few years, and we both work jobs that we'd still do if we were sitting on a Buffett-size stash.  What am I doing here?  My husband put me onto MMM as a kindred spirit.  Love the blog.  It's affirmation that we and our friends (and family) aren't crazy, just differently motivated.
Title: Re: Say Hi and Introduce Yourself
Post by: MrMoneyMullet on February 24, 2013, 07:17:18 AM
Hi, all, I'm Mr Money Mullet (which I hope won't cause people to confuse me with the REAL MMM).

28 years old, full-time student in a top-5 MBA program. Current goal is to minimize debt from this program while setting myself up to save 50%+ of income once I graduate. Married with a toddler. Compared to the average person, we've been smart with our money, but compared to most FI folks, we're not very badass... :(

Looking forward to learning a lot and contributing to the community!
Title: Re: Say Hi and Introduce Yourself
Post by: diablopea on February 24, 2013, 05:31:19 PM
Hi.  I'm 41, married with a couple of cats.  My only personal debt is my mortgage which we're currently starting to snowball.  I have some business debt with a partner (my brother) but we're rapidly getting that knocked out.  We own 1 hair salon and 2 cosmetology schools.

I'm no badass but any working to adopt some of the practices.  I just found this website this past week.
Title: Re: Say Hi and Introduce Yourself
Post by: 6birds on February 25, 2013, 11:52:14 AM
Hi, I'm Patrick.  I'm a former boat driver turned financial analyst after pulling my head out of my ass, paying $126K in debt, and finally paying attention.  If I remain on track, I will attain Financial Independence (deep sigh) in 5 years.   

I'm 41 with a hot wife and two amazing girls.  My life is good and steadily improving over time.

My focus is my family, and I've committed to providing the type of education that I did not have nor care to explore on my own.  I was convinced that the world of money was evil until I actually understood what money is and what it does.  Thanks for having me.
Title: Re: Say Hi and Introduce Yourself
Post by: mamaof4 on February 25, 2013, 12:42:22 PM
Hi!  I'm Torie.  A 37 year old mom of 4 girls age 13, 9, 7 and 3.  My husband and I live in Bakken Oil Country (google it, it's nuts) where consumerism is at and all-time high.  We are feeling the effects in an increase in grocery and fuel costs.  I turned to MMM to help me!  My hubs is a systems engineer and I am a server at an awesome locally owned restaurant. We live about 20 miles from the town where we work. Moving is not an option for us, the housing costs here are insane.  A 2 bedroom apartment is renting for over $3k a month.  We have paid off $35000 or so in debt in 2 years. We still have about $25000 in student loans and our $250000 mortgage to pay off.  I am looking for encouragement and inspiration to live a lifestyle not easily seen in western North Dakota.
Title: Re: Say Hi and Introduce Yourself
Post by: layzbones on February 25, 2013, 05:47:57 PM
A quick introduction - hopefully you'll be seeing me around here regularly, such a fun place to follow!

I'm Jordan, 27-years young and happily employed.  I'm a mechanical engineer and a proud bargain hunters so I'm hoping that those will provide a good foundation to my soon to be 'stash.  I'm already an avid cyclist and just started commuting to work after buying a home that I love a 15 minute bike ride to work on <35mph streets and greenways outside of Charlotte, NC.  I've spent my last few years adopting new, and relatively expensive hobbies that have left me in a bit of debt (as well as a few large purchases for the new home).  Main goal right now - pay off the debt.  I have about $1k to spare each month right now, and am working with $2300 @ 15% and $4500 @ 0% for two yrs and hoping to knock that out in the next 6 months or less.  Then its off to start towards my goal of 50% take home saved.

I'll probably be starting a journal on here to document my progress and interesting finds along the way.  It will also keep me motivated and give me a bit of accountability.  I'm a big DIYer so hope to share some of that as well.

Thanks in advance for the kind words, help and encouragement!
Title: Re: Say Hi and Introduce Yourself
Post by: hzsfre on February 25, 2013, 06:26:43 PM
I'm James. I'm a software engineer in the Seattle area. I'm in my mid-twenties, with a live-in girlfriend, a puppy, and (thankfully) no children yet. I'm also debt-free, if you ignore my mortgage :-) My girlfriend and I hope to be financially independent in 10ish years.

My girlfriend is currently in nursing school and working part time in the hospital's lab. She doesn't make much money, but our arrangement is that she pays for food, so she has the ability to optimize her costs by cooking, buying in bulk, coupons, etc while continuing to make meaningful contributions. She'll be done in just under two years.

I pay for everything else. I've started saving more recently; I'm now taking the bus to work (bus pass furnished by my employer! haven't bought gas in 2 months), refinancing my mortgage to cut out FHA PMI, and generally trying to become more frugal.

The biggest thing I worry about is my girlfriend's parents. They are immigrants have almost no savings to their name, since all their money has been drained by lawyers in the pursuit of green cards. They seem to be planning to work until they die, but in reality, their kids are their retirement plan. I'm hopeful that my girlfriend's siblings can contribute to that end, but part of me suspects they won't be able to, since neither of them really seem to be world-beaters. I'm trying to figure out how to balance FI goals with the prospect of supporting her parents through retirement.
Title: Re: Say Hi and Introduce Yourself
Post by: Angie55 on February 25, 2013, 07:17:05 PM
Hi! Angie here. Married near 30's engineer living in CO.

My only goal in life is to pay off my husband and I's (awful grammar I know) student loans. We started in 2007 with 242k in debt for both car and student loans. Six years, a job loss, 2.5 years of unemployment, and a move cross country later we have widdled it down to 100k to start off 2013.

Currently my entire salary goes towards loan payments... Absolute best case scenario (primarily stopping myself from buying a house)  we will have everything paid off by YE2014. I'm trying to somehow scrounge up enough extra money along the way to finish a month earlier. Sounds easy but a month of payments is nearly $4,000.

Debt causes me so much stress on a daily basis. I spend hours every week just staring at loan repayment spreadsheet even though nothing really changes. I wonder what my life will even be like when its gone. Although then it will just be on to the next challenge of making up for lost time. I dream of the day I don't have to drag myself out of bed to sit in a cubicle all day and make Excel spreadsheets to pay off loans I signed for when I was 17.

Hopefully this forum will give me some momentum and keep me going. There are lots of days when the end seems so far away. I'll spend hours trying to find $10 in the budget only to realize its makes no real difference in the overall payoff. I feel like we are going to be playing catchup for the rest of our lives.

Sorry for the depressing post. But in all honesty momentum has been going pretty strong. February will be the first month we have stayed in budget! And we are down to 92500 in loans to start off March. I hope to one day either retire early (very unlikely due to how far behind we are) or open our own business together.
Title: Re: Say Hi and Introduce Yourself
Post by: taintedbean on February 25, 2013, 07:56:39 PM
Hi Mustachians!

Just joined the forums today after a couple weeks of furiously reading the blog and lurking the forums. Already owe my deepest thanks to this community.
I am a recent college grad (22) taking a Masters program in School Counseling in the Washington D.C. area. Living with parents currently, and I am fortunate enough to have no debt even once I complete grad school! (woo).

Looking forward to contributing to this forum in any way that I can.
Title: Re: Say Hi and Introduce Yourself
Post by: EMP on February 25, 2013, 08:37:00 PM
Hi all. I'm Erin. I've been following since ERE and finally decided to join. I'd be doing much better at this whole thing if I had anything resembling ambition, but I manage to have a good time regardless. :)
Title: Re: Angie's say hi
Post by: Dee18 on February 25, 2013, 09:14:14 PM
Angie:
It sounds like you are doing great!  You've paid off 60% of your debt in three years!  I understand your obsession with those spreadsheets, but keep in mind the point of FI is so you can enjoy life.  Do you really want to be spending so much time thinking about debt?  When I became too obsessed with being frugal, a friend advised me to pick one time a week when I could look at my balance sheets.  You might consider doing that.  And use the rest of your time for something more enjoyable--go for a run, grow some herbs, meet a neighbor.  And  celebrate how far you've come.   Enjoy your health and youth and marriage!
Title: Re: Say Hi and Introduce Yourself
Post by: spoonman on February 26, 2013, 07:19:20 PM
Greetings!

I've been a lurker in this forum for almost a year and thought it was time to formally join the community.

DW and I save about 55% of our pay (after taxes, 401k contributions, and HSA contributions).  We are dividend growth investors and have been piling up a nice stream of passive income.  We plan to be FI (of the ERE variety) in about 2 years.

I would say that we are quite frugal.  Right now the only thing that is a significant challenge for us is the condo that we bought in late 2009.  It might be another 2 years (we hope) before we can sell and get all of our money back.  If it wasn't for the house, we would have moved back to a small apartment closer to work, which would have enabled us to save an even bigger fraction of our take-home income.

I want to let it be known that I am thankful for MMM's work and the support this community is providing via this website.  It's nice to see a community of people that share our frugal and monetary convictions.

Jazz
Title: Re: Say Hi and Introduce Yourself
Post by: ScienceRules on February 27, 2013, 07:49:42 AM
Hi All!

I've posted a couple times, but figured I should come back and introduce myself. My husband and I are third year PhD students in Seattle. We have an adorable puppy who just turned 1. We do have a car loan and a mortgage and as PhD students don't make that much (about $1800 a month each). But we have no student loans through full ride scholarships during undergrad and being research assistants now. Since reading this blog we've stopped eating out (we ate out a lot!), ditched a cell phone and decreased the other to $30/month, used pinterest to find DIY cleaning supplies, recipes, etc and just stopped wasting money. Instead of spending all our paycheck each month, we save between $1500-1800 a month. I am so glad we found this blog now when we are young (23 and 25). The next decade will be rough since my hubby is planning to go to med school once his PhD is done, but with the plans we are implementing now it should be manageable without student loans. Thanks MMM!

ScienceRules
Title: Re: Say Hi and Introduce Yourself
Post by: KarlDebtSlaveNoMore on February 27, 2013, 09:11:05 AM
Hello everyone!

My name is Karl.  I am in my early 30s, married, father of one, and live in NY.  I'm an IT guy by trade.

Due to a series of bad decisions, my wife and I accumulated a large pile of debt by the time we got married.  So over the last three and a half years, we have progressively paid off nearly 200K of debt through a combination of thrift and industry.  The incentive for doing so had little to do with FI and much more to do with protecting my family from an outright economic collapse.

Along the way, I discovered this blog and a few others.  And over time, I began to realize that becoming FI is not as difficult as it seems.  At this point, the focus is on achieving full financial independence for my family.  Our monthly savings rate is at around 65% and I'm looking for various ways to increase it further.

I want to take the time to thank MMM for showing me so many money saving tricks.
Title: Re: Say Hi and Introduce Yourself
Post by: Charamei on February 28, 2013, 07:25:37 AM
Hi everyone.

I've been lurking for a few months and it seems about time to say hello.

I'm 26, no consumer debt or car, employed in a low-end office job and bought my first house last year with 25% down... it turned out to be in a worse state than initially thought (structurally sound but, uhh, let's just say 'dirty' and leave it at that), so after some emergency fixing-up I am currently asset-rich but cash-poor. I've spent the last year doing two things: rebuilding my stash and taking a proofreading course.

I'm not looking to achieve FI (yet) so much as set up a freelance business that will eventually be able to supplant my day job, with the proofreading as a basis and a hefty dose of 'whatever else pays' thrown in for variety. Then I can sell the house and move outside London, which should bring my cost of living down quite dramatically.

An even shorter-term goal is to get the stash above £10k again. It's hovering at £7.3k after some expensive dental work flattened the curve for a few months. That's significantly higher than last year, but seeing four digits rather than five is mildly depressing even when I know it was for a good cause.
Title: Re: Say Hi and Introduce Yourself
Post by: N. on February 28, 2013, 08:09:32 AM
Whopsy. I should have started here.

My name is Nathalie. I'm 35, married with two teenage (full-time) step-kids, and live in the Toronto, Canada area. I'm self-employed and work from home and hubs works for 'the man' in a career that sees him traveling a minimum of 50% of the year. (I get a frequent raised eyebrow when I show up as the only 'parent' for parent-teacher meetings.)   :)

I'm not yet a Mustachian, though have been lurking around the personal finance blogosphere for several years. I'm fiesty but open, and I love the sense of community here.
Title: Re: Say Hi and Introduce Yourself
Post by: tuyop on February 28, 2013, 09:12:08 AM
I'm tuyop, 24, from Halifax, Nova Scotia (Canada). I'm living with my partner of three years in Ontario.

Through bad decisions, I accumulated nearly $60 000 in debt ($59 128 including a car loan, to be exact) shortly after graduating university. I realized that something was wrong and started a thread on the Something Awful Forums in May 2011 to track my progress out of the debt. Through that thread I found out about MMM when someone sent me his article on biking through winter. I didn't end up biking through winter (couldn't afford lights and the missus doesn't have a bike yet so we just commute together), but since, I have read every article and had a pretty dramatic awakening to frugality and financial independence.

In the past two years I've paid the debt down to $39 229.41, and an inheritance and medical payout (training accident at work in 2010) that I have coming up should clear up the debt this year, at that point I can't wait to start my own 'stach in earnest, as well as change careers out of my job that I hate.

My partner and I currently live on 50% of our income and are aiming to redesign our lifestyles towards a more environmentally friendly, self-sustaining goal. We're interested in DIY, gardening, and minimal living.
Title: Re: Say Hi and Introduce Yourself
Post by: gazzamatic on March 01, 2013, 09:15:43 AM
Hey Everyone,

My name is Gary.  I've been reading MMM for a little over a year and thought I should finally create an account on the forums.  I live in Minnesota with my wife and our 2 kids.  I am not a natural Mustachian, but luckily my wife is modorately frugal so the only debt we have is our mortgage.

Over the last year I've been building up the stash, mostly through mutual funds and dividend paying stocks.  Now I am working on finding my first rental property, which is very exciting!

-gazzamatic
Title: Re: Say Hi and Introduce Yourself
Post by: Kenoryn on March 01, 2013, 11:32:45 AM
Tuyop and Nathalie, fellow Ontarians, you should add yourself to the Mustache Map & help represent!

http://www.mrmoneymustache.com/forum/meetups-and-social-events/mustache-map!/
Title: Re: Say Hi and Introduce Yourself
Post by: ace1224 on March 01, 2013, 01:12:57 PM
Hi!  I'm from coastal NC, and I just discovered MMM and read the list of all posts from the beginning of time in one weekend.  I am super pumped to grow some stubble and have already started slashing at my budget.  I haven't quite cut the cable cord, but I did turn in all but one box and then bundled that with the internet for some serious savings.  I'm really hoping to get on board with biking and my food budget needs serious help.  other than my mortgage and my car i am debt free after paying off all my credit cards and will never go into debt again for stuff. 
Title: Re: Say Hi and Introduce Yourself
Post by: minnie1928 on March 02, 2013, 11:39:34 AM
Hi!  I've been lurking since around the New Year.  I found this site mentioned on savingadvice.com and I'm always interested in finding new personal finance sites/chatboards as I find that it helps keep me focussed in a positive direction.

We live very frugally in some ways, and not so frugally in other ways.  My goal is to get us moving in the more positive direction.  I currently work about 1.5 miles from work but still find myself driving to work ( I know!  this makes NO sense).  I'm still working on trying to find the best mode of transportation that's not a car.  But, I have many factors to consider in order to find the best fit.  But, I'm atleast thinking about a solution which is more than I was doing a few months ago.:)
Title: Re: Say Hi and Introduce Yourself
Post by: crumbcatcher on March 05, 2013, 10:14:36 AM
I'm a 42 year old working mom with a well-paying career and nowhere near enough of a 'stache to think about retiring early. I'm supporting my ex, who is a stay-at-home dad, until he finishes school and gets a job, or the end of this year at the latest. Since I'm currently living on half of my income, I'm optimistic about being able to save everything that is currently going to him after spousal support finally ends.  Another challenge? My son has Asperger's Syndrome and I'm paying for a number of different therapies, some partially covered by insurance, some out of pocket. Still, all of that is coming out of my half of my income so I'm not being a complainypants. :-)

After crunching the numbers I think I will be able to attain early retirement ten years from now if I continue my frugal ways and really start socking that money away next year. Finding MMM last month was an inspiration, and I look forward to becoming part of the community. It's exciting to have found like-minded folks and to realize that I can really do this!
Title: Re: Say Hi and Introduce Yourself
Post by: Jeremy on March 05, 2013, 08:44:12 PM
Hi everybody!

I started reading the Early Retirement Forum years ago, met up with Nords one time when we were in Hawaii (Hi Nords!), met up with Billy & Akaisha Khaderli in Thailand, read ERE from time to time, and now I catch up on MMM when I can. I really enjoy the MMM style, a lot of people could use a good punch in the face! :-D.

It's great to see so many people on the path to early retirement and generally being badass.  My wife and I retired a few months ago in our 30's and are now traveling around the world permanently.  We are now in Mexico, heading south... Our Spanish needs some work, but it gets better everyday

During the planning process I never found a travel blog that really shared how much it costs to permatravel, so I created one! We are blogging our journey with full financial information over at www.gocurrycracker.com (http://www.gocurrycracker.com).  My wife is a semipro photographer so that spices things up a bit

Hit me up if anybody has thoughts, questions, or advice!

All the best

Jeremy


Title: Re: Say Hi and Introduce Yourself
Post by: nancylee on March 06, 2013, 11:43:24 AM
Hi,
I am new here, been lurking a few weeks. Pretty funny forum!! Lots of humor here, along with great advice.

My husband and I are in our early 50s, and have made every stupid, ridiculous mistake with money, and then some, that you could imagine. I am a teacher, have always been employed, and would like to retire at 55. By retire, I mean an active retirement: I am also a freelance writer, potter and jewerly maker. My husband is disabled from a big city fire department, he has a triple tax free pension.

We are going to to work to get out of debt from some stupid things we bought in two years, and then working on our two mortgages, or selling one of the houses. Looking forward to learning all about how to save and live happily on less!
Nancy
Title: Re: Say Hi and Introduce Yourself
Post by: Frank of Denmark on March 06, 2013, 02:26:51 PM
Hi everybody,
My name is Frank, and i live in the southern part of Denmark about 2 kilometers from the danish/german border. I, like many others, have made a ton of bad financial decisions. Recently i finally managed to get rid of 2 large drains on my salary and then i found MMM through another blog by a guy named David. His blog is called Raptitude. I now realise i have wandered in darkness and ignorance, but thanks to MMM, i have seen the error of my evil ways.

P.s: English is (obviously) not my first language, so you might find some weird grammatical or linguistic hiccups in my post. If they make you
laugh, let me know why so i can join the laughter.

Frank
Title: Re: Say Hi and Introduce Yourself
Post by: babysteps on March 06, 2013, 04:58:02 PM
DH & I live in the Southern Tier of NY. 

Our journey - let's just say we were deserving of many face punches!  Probably still are...

We once owned 4 personal residences at the same time (I know!  ouch), 3 leased luxury cars, etc.  We did have multiple income streams and our own real estate business, but the real estate crash and a single really large luxury project that was 90% of our activity meant everything went down the tubes. 

Then the scales fell from our eyes and we started on a much saner path!

Now, still have 2 cars but own them outright and they are little Mazdas that should last a very long time (celebrate all progress!).  Do have a mortgage (one much smaller house in a much less expensive area) but are on track to pay off in hopefully less than 8 years (vs 12 years to maturity) and the payment is under $700/mo (our *electric* bill for one of our primary residences used to run that high). 

I know, still not completely MMM but we are moving in the right direction! 

Our cost of living is about 1/6 of what it was 3 years ago, probably 1/10th or less vs. 5 years ago.  Shopping is no longer a leisure activity.  We still love food & wine but eat out a *lot* less often (like 2x/month vs. 4x/week).  We make money on clothing (have been consigning parts of the legacy wardrobe, only current purchase activity is occasional socks & underwear).  Lots of DIY on our part and great local agriculture mean our enjoyment of living is up and the cost is waaay down.

By some standards we are retired now - no outside jobs, flexible schedule.  Like, "it's sunny today let's visit a winery" flexible :)  We are doing local, sustainable real estate investing.  We buy a scratch & dent house for cash ($7-12,000 usually) and resell but hold the mortgage.  So far we've done 15 houses (5 of those multi-unit) in about 2 years, all were vacant, all but 1 are now occupied.  Rents are high relative to house values around here, so for no more (sometimes less!) than rent a family can cover PITI & own their home outright in 12-15 yrs.  We assume most will pay us off early as they either switch to conventional financing or sell (2 have already re-sold after fixing up).  If rents were lower relative to house values this wouldn't work...a 2 bedroom apt rents for $600-900, 3br are $700-1,200 (depending on quality, location, etc).
Title: Re: Say Hi and Introduce Yourself
Post by: SweetRedWine on March 08, 2013, 05:23:16 PM
Hello,

I've been lurking since September 2012, having found MMM through a brief mention on the blog Funny About Money.  I spent lots of money of lots of stupid stuff in my 20's, though I always avoided credit card debt.  In my 30's I'm ready to buckle down and save and invest.  Since I started reading MMM I have maxed out my 401k deductions, and increased my other savings.  I save with the intent that I may someday need to take time off to care for family members, or I may get older and be subject to job discrimination.  Either way, it's something I'd rather plan for now than worry about later.  Also, saving/investing keeps me from accumulating useless possessions.  I have a tendency to accumulate clutter, so this keeps me calmer.

The majority of my real life friends are spendthrifts, with no appreciation for not buying everything they can.  Even those that shop carefully still can't help but buy stuff.  They tend to think I'm rich because I don't complain about credit card debt.  I really appreciate the different point of view I read here.
Title: Re: Say Hi and Introduce Yourself
Post by: imustachemystash on March 08, 2013, 08:18:54 PM
Hello fabulous Mustachians!  I'm Kristin and I feel like I belong with my own kind here.  I'm married and have 2 young boys.  I work part time and I am hoping my husband will get to enjoy the freedom of only working part time in 10 years or less! 
Title: Re: Say Hi and Introduce Yourself
Post by: Knightblaze on March 09, 2013, 12:20:49 PM
Hi all.

My name is Anies, been lurking and found this site on a depressed evening searching for answers to my woes.  Concrete advise here and a real pick me up in terms of trying to turn things around in my life.

I used to be pretty good with my money, my father drilled it into my head at a young age to be responsible which I half followed. I have always been a responsible individual when it came to paying my obligations and keeping a low balance in terms of debt.

I was also young and didn't think about retirement or future planning so I didn't really keep a savings account and the 401k I did have was tapped as I did want to transfer the small amount(2500) to roll it into a different one with my new job but being young and stupid it never made it there.

Essentially life flew by,  at 25 I met my future wife,  got married at 28, we had our first child 20 months ago and now at 31 I feel so down and out. I have nothing for retirement and not sure if I should enroll in my companies 401k now(fully vested) or wait until my credit card is paid off(further delaying savings for retirement).

After we got married we scrapped the honeymoon as we were supposed  to close on a condo which fell through a week afterwards due to the association not wanting to deal with fha(which wasn't revealed to us at the time of attorney review). Lost a bit of money ey from fees and inspections and after a few more months of living with my in laws my wife couldn't deal with it and we decided to rent an apartment.

Living at the apartment was great, the excitement of being out on our own and we were doing quite well. Given the this was slightly after we were married I added my wife to my health plan and kept working without really noticing any change in pay. Suffice to say when I brought this up to human resources they wanted 7months of back pay to cover their loss on premiums which hurt. I was at this point forced to live on less cash and more credit and seriously got buried in a huge amount of debt. We were also forced out of our apartment due to hurricane Irene and lost belongings and are now essentially staying with my in laws again.

We have been here for 14 months,  wife was unemployed and caring for our son. My original plan to pay off 15k in debt was essentially on hold as I had to help cover baby expenses. Luckily she was accepted for a job 2 weeks ago and my expenses have been freed up. This past month I've sent 900 to my credit card and am sitting at 13.3k with a goal of 8900 by August and hopefully 3-4k come January.

I can't help but feel depressed at times and I know I'm tackling this the best I can(leaving myself essentially enough for gas every 2 weeks) and the rest going to the cars(now just mine) both are leases(can't get out of them) , cell phone, storage unit, insurance, credit card(1) and my student loan. My wife's expenses are her car, student loan and daycare which basically kills her income for the time being(1k a month).

We have about 13k in savings left over from tax returns and our previous attempt at home ownership.  I just feel like that even if I dig myself out of credit card debt I'll never be able to own a home,  let alone try and save for retirement. I've also been trying to find a higher paying job to help me accelerate this process in order to get on track.

I'm sorry for rambling and intended this to be short and sweet but just felt good to get it off my chest.

Title: Re: Say Hi and Introduce Yourself
Post by: LilacVioletIris on March 10, 2013, 08:45:12 AM
Hi, my name is Lilac. I am 36 and DH of 2.5 years is 41.

I was introduced to Mr. Money Mustache through a post on mothering.com as I have been trying to figure out how to save money on our telecommunications portion of our budget. DH and I started following a cash flow plan about 15 months ago, saved a $1000 for emergencies, and have been whittling away at $157K of our debts (mostly mine before I married DH - credit cards, student loans, mortgage).

DH and I want to increase our stash!
Title: Re: Say Hi and Introduce Yourself
Post by: startingover on March 10, 2013, 12:27:21 PM
Welcome to the family, Lilac and DH!  You will learn a lot through Mr. MM as well as the forum!  I love the forum because it shows me we are not allow!  Keep up the good work!
Title: Re: Say Hi and Introduce Yourself
Post by: Jon_Snow on March 11, 2013, 12:35:49 AM
I have probably breached some forum etiquette by posting elsewhere on the blog before offering a proper introduction. Well, here goes.

The thought of ER didn't really occur to me until about 5 years ago - I somehow stumbled across a Canadian blog, Free at 45, in which the blog creator was bound and determined to retire by 45 years old. Quite simply, a spark was kindled in my brain- I knew I hated my job, but just assumed I would be doing it until 60 or so, just like my father before me. I knew my wife and I were growing a nice "stache", thanks to good incomes, a small mortgage, and a seemingly genetic tendancy towards frugality. Thus I started devouring every shred of info the ol' intrawebs could offer up on the subject of ER/FI. Its how I eventually found my way here I suppose.

As our mortgage has dwindled, and our incomes haven risen in the last 5 years, our "stache" has swelled to the point where I am now ready to make the same changes that MMM has - around this time next year I intend to inform my employers that I will no longer be offering my services to them - I will be 42. My wife supports me, although she is adamant that she wants to continue to work (she actually insists that she likes her job). I don't know if I will be "retired" or simply a "kept man" - I don't think I'll care. Though to be honest, managing our soon-to-be seven figure "stache" will now be a much bigger focus of mine - I view it as I would a sprawling garden - it needs tending and care for it to continue to (hopefully) flourish. Dividends will largely replace my current salary, so I will probably consider investment income as "mine", while my wife will continue in her burgeoning career - I am not sure at which point I will be able to convince her to join me in an world free from such indignaties as alarm clocks, deadlines and commuting.

I read alot of posts here that inspire me - younger people who are just embarking on the same journey that I have almost completed. When I was 30, the very thought of ER was a pipe dream - but 10 years of Mustachianism, from 2003 to the present, has allowed me the opportunity to experience a different kind of life.

On another forum I frequent, I related in great detail an encounter I had with a pod of orcas while I was sea kayaking - let me just say that the impact that this moment had upon me was profound in that it made me question how many other moments we are all missing out on while we are slumped in our cubicles, or (in my case) slogging in the mud at the bottom of a hole trying to repair a damaged sanitary pipe. I may never experience as breathtaking an event as when I felt my kayak rise up a few feet because a 10000 pound bull orca had swum beneath my fragile boat - yes, the mass of the animal displaced enough water to lift my boat - but I want more TIME and FREEDOM to seek out similar wonders. The world is full of them.

ER isn't for everyone, but for many of us it really is the best path to happiness. I wish each and everyone on this board success in their own journeys.
Title: Re: Say Hi and Introduce Yourself
Post by: fat bruce lee on March 11, 2013, 08:54:12 PM
Herrowwww!

I'm 33 and from the San Francisco Bay Area, born and raised.  I happened onto the MMM site from Get Rich Slowly in a post about other sites/blogs people read.  Worked out because I probably would have dropped $20K+ on a used Tacoma when I didn't need it.  I'm glad my hesitation held me back from doing it, then stumbling upon MMM's site. 

I think I'm fortunate to have that lightbulb go off for me to get my shit together.  I'm definitely fortunate to have a job that pays well.  Will have to maximize my efforts pre FI!  Its allowed me to be essentially debt free as of early this year. 

I'm combing through the posts and making my notes here and there.  One thing for sure is its pretty damn hard to find a used practical car for short money.  But I'll be glad to get rid of my baby SUV and get a bike for my commute to the train. 

Looking to celebrate milestones as they come.
Title: Re: Say Hi and Introduce Yourself
Post by: Lynx on March 12, 2013, 04:55:56 AM
Hi, My name is Beth. I live in NC on the coast. I'm 50 and in nursing school. I got here from ERE. I love the forums. I have a bike, no car, so don't punch me in the face (Today anyway, we just met).
Title: Re: Say Hi and Introduce Yourself
Post by: KatieSSS on March 12, 2013, 01:59:16 PM
Hi everyone,

My name is Katie and I live in Washington, DC. I'm originally from the Midwest, so DC prices still make my mouth drop open at times. I've been reading personal finance blogs for about two years now and have slowly turned my financial situation around. I paid off my student loan debt from graduate school a few weeks ago and am currently working on getting rid of my last piece of debt - my undergrad student loan. I live alone in a studio apartment and take the bus/metro everywhere. I have a good job and work a few shifts a week as a waitress to pay down my debt faster.

I heard about MMM through a family member who is also trying to pay down debt. I've enjoyed reading the posts these past few months!

My immediate goal for this year is the eliminate all of my debt. After that, I will focus on getting my emergency fund up to 6 months of living expenses (currently at 2 months). I haven't looked beyond that at this point because it really helps me to have one main goal and put all of my efforts towards it!

Since reading MMM and other PF blogs/sites, I now find things I grew up thinking were "normal" (i.e. huge cable bill and multiple debts) as anything but!
Title: Re: Say Hi and Introduce Yourself
Post by: mommyNiece on March 13, 2013, 04:14:07 PM
Hello!  How ironic that I picked today to join .... I'm KatieSSS relative that pointed her to MMM.  I've been lurking around the blog since before the end of last year.  I've finally made the first step and put together a budget.  I even paid off one credit card - only to get the new statement and see a new charge.  My husband is being drug along and has no idea really what I am doing.  It will literally be a "show me the money" moment to get him on board.  Not that I am anywhere  near where I need to be.  I will likely not be able to retire until I really hit retirement age and that saddens me.  But now that I have found this blog I have hopes that I will be able to retire debt free.

Recent changes:  I'm taking the bus to work 97% of the time (its free).  I've set up a budget - but just this month and have adapted a money envelope system.  As I said - I have paid off one credit card ... 2 more to go.  I'm pretty sure I will be able to pay another card off before the end of the year and get the 2nd one 1/2 paid off.  A good start but definitely not a badA$$.

Thanks everyone and MMM for showing me the errors of my horrible spending habit ways!
Title: Re: Say Hi and Introduce Yourself
Post by: Bigote on March 14, 2013, 05:10:14 AM
Hi All -

I found the blog a couple of weeks ago and read it all in a couple of days.  44 years old and recently retired, I'm married with a preschool-aged kid.  I was in a ridiculously overpaid profession, had an IPO in my early 30s and an extremely fortuitous real estate investment, all of which combined has left me with a net worth north of $5MM excluding primary residence and a fully-funded 529.   

I would call myself situationally mustachian - for example I got rid of cable in 1994, and I drive a 15 year old compact car.   On the other hand, I have indulged some very non-mustachian impulses now and then but could still generally pull it off living on 25% of my old salary. 

Anyway I like the mustachian concept and while there's much I won't implement, I generally like to tread lightly on the earth, eschew consumerism, and hopefully raise the boy in a similar way.

Title: Re: Say Hi and Introduce Yourself
Post by: snshijuptr on March 15, 2013, 09:52:13 AM
Hi my name is Melissa and today I am graduating my PhD. With that part of our life journey over, my husband and I are reaffirming our commitment to living frugally. Ever aince I heard of the concept of Financial Independence, I have loved the idea of acheiving it early. My husband on the other hand sees himself working for the rest of his life. I would rather work part time and part year to free up time fto spend with our kids (we have one now and plan for a second)  and travel.

So with my graduation, we have enough saved up for about a 10% down payment on a house around here, but I have crappy grad student income history and no job currently lined up. Our plan is to both look for new jos cloaer to our families (we have a lot of applications out) and temporarily move in qith my parents while we add to our savings, build an income history, and then find a house.

We currebtly live with 1 car (a beloved Honda Fit) and have the cash saved up to buy a second. We also have enough cash saved up to pay off my "high" interest student loans.  My hope ia that we can align our jobs and housing to either commute by bike or carpool and uuse the car money to pay off my husbands student loans.
Title: Re: Say Hi and Introduce Yourself
Post by: Mr HighFalutin HillFolk on March 15, 2013, 10:35:22 AM
cheerio y'all.

i purt'near bankrupted myself keepin up with them Joneseses...them Joneses...aww them folk next door.

now i'm a just a chap trying to recover from blind consumerism.
Title: Re: Say Hi and Introduce Yourself
Post by: higginst on March 15, 2013, 11:38:52 AM
Whoops! Didn't introduce myself before I started posting. Anway, I'm higginst and I live in a small city (under 20,000 people) in northern British Columbia, Canada. I'm interested in becoming more mustachian. My wife, not so much. I have a 4 year old son (almost 5) and we plan to have more kids in the next couple years.

I'm working on becoming more mustachian to eliminate the debt, start saving, and once my wife is working as well, hopefully have enough to retire by 35 (currently 25).

Title: Re: Say Hi and Introduce Yourself
Post by: P Dubya on March 15, 2013, 04:07:34 PM
Hey y'all

Names Paul. I live in Melbourne, Australia. Originally from England. I love the site. I'm buckling down and currently plotting my ten year exit strategy. Looking forward to getting stuck in elbows deep with y'all.

Peace x
Title: Re: Say Hi and Introduce Yourself
Post by: DaveSch on March 15, 2013, 09:23:34 PM
Hi Everyone.
My name is Dave and I live near Corning, NY. I've been visiting here a couple times a day for the last
two or so weeks. I feel at home here as everyone says that I am frugal. I will relate a story about
something that happened 20 years ago or so.

My brother was visiting, and he went over to visit the neighbor lady, an older person, very nice. Couldn't
have had a nicer neighbor. She said to him, "I don't mean nuthing by this, but your brother is kind of
tight, isn't he?" She was referring to the time I offered to take a payment of a bill she had and deliver it
at the same time I was making a payment, so she could save a stamp.

Well, my brother had to tell her the way HE saved money. She never brought up the subject again.
I was really sad when she moved out.

Anyway, that is where I am coming from and I look forward to posting now and again.

Dave
Title: Re: Say Hi and Introduce Yourself
Post by: clifp on March 16, 2013, 02:08:34 AM
Aloha

I'm Clif, I retired at 39 in 1999 and moved to Hawaii. I am also a retirement/money forum junkie MMM will be my 5th or 6th. Early-Retirement.org is my main forum hang out.
In the last couple of years I've been buying real estate in Vegas, where I met areblspy. I still plan on buying more there but I am more cautious.
Title: Re: Say Hi and Introduce Yourself
Post by: jrs on March 16, 2013, 08:57:27 AM
Hi Everyone,

Glad to be here.  Just started reading the MMM blog, and the philosophy really clicks with me.  I want to take a moment to say a big thank you to MMM for writing! 

Starting from the ground up with saving towards FI.  Early thirties, single, living in Henderson (suburb of Las Vegas) NV.  Got the bicycle up and running last weekend after years of neglect in the garage, and fortunately just moved to a place close enough to bike to work (twice a week for now, but more as fitness improves).

Cheers!
-jrs
Title: Hello from Boston, MA!
Post by: Helsinki on March 16, 2013, 10:38:28 AM
Jusmoing in to to say hello from Metrowest Boston, MA. Really excited to balance our budget and do what it takes to become financially independent.

Love MMMs philosophy and ideas...

Looking forward to connecting,

Mr & Mrs Helsinki.
Title: Howdy
Post by: Dr.Vibrissae on March 17, 2013, 04:19:47 PM
Hi all,

I to took me silly long time to read through all the posts and get here, but here I am at last! My name is Sarah and i am finishing up a Veterinary pathology residency before embarking on a PhD, so I am ridiculously over-educated and underpaid.  Still I'm much happier than working in practice, so I think it's all worth it. 

I'm more naturally Mustachian than the Mr., but despite his love of cable and reluctance to get rid of any of his "pretties"  he's a pretty good sport about my efforts on the financial front.  In fact we're like a reversed traditional family since I handle all the finances, while he probablly doesn't even know how to log into our bank account, and he spends his time keeping us in delicious food on the cheap.

FI is a long way off, but this place keeps me motivated to undertake the steps I know i should be doing anyways (I'm a born procrastinator and often need a kick in the pants/punch in the face).

Excited to finally jump into the forums :)
Sarah
Title: Re: Say Hi and Introduce Yourself
Post by: Jwilliamson22 on March 18, 2013, 08:51:39 AM
Hey! My name is Jordan and I am currently plotting my world take over. It started with paying off 17k in student loans in 6 months, purchasing a duplex and living in one side, setting aside an EF, fully funding my Roth and contributing up to my company match. This has all occured within 2012.

I am excited to be part of the forum officially instead of just browsing the blog!
Title: Re: Say Hi and Introduce Yourself
Post by: brewer12345 on March 18, 2013, 01:53:19 PM
Now that I have over 50 posts here, I suppose an introduction is in order...

I am brewer12345 and I am an alco - whoops, wrong group.  I am pushing 40 and so is my wife, two kids at 6 and 8.  We live in suburban Denver and I am a cube dweller at the moment.  I am a finance type with a background in credit analysis and financial institutions.  Planning to split from the day job early next year and join my wife in being self-employed with a lot less aggravation, stress and taxes and a whole lot more time with family and doing what I want. 
Title: Re: Say Hi and Introduce Yourself
Post by: chardog on March 18, 2013, 08:56:47 PM
Howdy,

Happy to say I am retiring at the end of this month.  Discovered MMM about a year ago but have had the same basic philosophy since growing up. 
Title: Re: Say Hi and Introduce Yourself
Post by: Mama Minou on March 19, 2013, 09:16:10 PM
Hi,
I'm Mama Minou. I live in the PNW with my sweetie and our two teen boys. We live on an "urban farmette" with more animals than we should.
I'm a new, midlife Mustachian...better late than never!

Title: Re: Say Hi and Introduce Yourself
Post by: easton on March 19, 2013, 10:04:14 PM
Hey Everyone,

I'm 25 and live in PA. Found this site a few weeks ago after I started trying to tighten up my budget due to the Federal furloughs coming. I work for the DOD so I'm in line for a 20% pay cut. Realized that wow, I've been so foolish with my spending habits, so trying to turn that ship around and get on the right financial track. Face is looking pretty bruised right now from all the punches, but hoping to grow a nice mustache one day :p

-Easton
Title: Hello from Kenmore, WA
Post by: purpleqgr on March 22, 2013, 05:46:36 PM
Hello, everyone!  I'm Just A Dumb Cat living a few miles from the MMM meetup that happened in the Seattle area a few weeks back.  I'm just about to turn 40, and trying to get back on track for an early-ish retirement after wiping quite a bunch of my savings and net worth out through the big mistake of buying a house in California back during the boom years!

 I found this site a couple of months ago (thanks, Reddit!), and have already gone from a not-so-bad savings rate to well over 50%, moved some cash on hand to paying down my mortgage for some better returns, and am more aggressively pruning back the wasteful spending on 'stuff' that I've not seen much return on.  This site is fantastic!  I look forward to jumping out of my current career and in to early 'retirement' in 5-7 years.
Title: Re: Say Hi and Introduce Yourself
Post by: tkirk62 on March 23, 2013, 11:43:41 AM
I am a university student studying kinesiology. My dream is to be FI by 35 at the latest, then start a large health and wellness facility consisting of a gym, physiotherapist, chiropractor, dietician, etc so there can be one place where people go to improve their health or recover from a health problem.

I have already got a good start on my stash and last year received about $150 in dividends in my first year of saving. This year I want that to be around $300.

I also have a big interest in starting my own little business, starting as a side business in the summers while I'm in school and hopefully growing it to be something noteworthy by the time I am working full time. I have been seeking opinions and advice about that here

http://www.mrmoneymustache.com/forum/ask-a-mustachian/university-student-thinking-about-a-side-business-during-summer/
Title: Re: Say Hi and Introduce Yourself
Post by: finance_hacking on March 23, 2013, 07:35:20 PM
Howdy all,

I've been reading the MMM blog since the first week it came out, so I figured it was finally time to jump into the forum and contribute to the conversation.

I'm in my mid-20s, live in the midwest in a very low cost-of-living area and I work with computer/network security, which is a very lucrative career right now.  This boils down to me being able to save a huge portion of my income.

I saved up a very large travel fund in order to be able to go on a 'mini-retirement' trip with my girlfriend.  We plan to travel all around the world.  I'm going to be approaching my employer about an alternative working arrangement, but if that doesn't work out we'll just both quit our jobs and travel until we run out of money (in that fund only- we won't be touching the 'stache).

I like to have the option of being nomadic - either traveling for pleasure or else relocating for the right career move, so I am focused on investing my 'stache in index funds and the like.  I do not plan on buying any real estate and becoming a landlord.

I also love to bike!
Title: Re: Say Hi and Introduce Yourself
Post by: TheDood on March 26, 2013, 08:36:55 PM
Hi Everybody!

I discovered the site about 2 months ago and decided I had to start at the first post and read them all for my Mustache basic training.  I'm now signed up on the mailing list and figured it was time to join the community as well.  I won't bother with my whole backstory and everything here, but just thought I should at least post here to say Hello :)
Title: Re: Say Hi and Introduce Yourself
Post by: Janja on March 27, 2013, 09:50:48 AM
Hello, everybody, I am so glad I finally found Mr. Money Mustache. What fun!

My husband and I are grandparents, but we got kind of a late start financially for various reasons and have been "playing catchup." As I read the MMM blog, I am thrilled to discover that my husband has already been doing many of the practices. No longer will I chuckle at his taking the same lunch to work every day for the last few decades. And my admiration only increases as I recognize his wisdom in staying completely out of debt (except for house, which we paid off last month), living close to work, keeping expenses low, and so on. We now have our stash, and he will take "early retirement" next year at the age of 65 (it all depends on when you begin, right?)

I am interested in learning more and more about proudly cutting expenses (ignoring my friends who say I "deserve" a housekeeper, etc.), although I do have a few challenges. I would LOVE to give up my gym membership and get a bike, but I have multiple sclerosis, and my lack of balance makes it impossible for me to ride--so I swim at the Y in a saltwater pool.

I do have high hopes, however, for figuring out the most Mustachian ways to meet the challenges in my life. Here's one that has always stumped me: I look SO much better with blonde streaks in my hair. I mean, really, I can't imagine feeling okay with what is now my natural color. I have no problem at all with cutting my own hair, I think it looks just fine, but I have never been able to highlight my own hair as well as a salon. I wish there was an easy way to give up this annoying expense.

Okay, I suddenly realized that I am making the need to keep highlights in my hair equivalent to having a chronic autoimmune condition--but surely other Mustachian ladies will understand! :)
Title: Re: Say Hi and Introduce Yourself
Post by: Freda on March 27, 2013, 01:04:45 PM
Howdy.  I'm 37, hubby is 45.  I work in behavior health, he works for the government.  Our kids are 25 and 18, neither lives with us.  3 dogs, 2 cats.  Just a few years to debt free! 

We're also debating moving overseas in a few years, as he can get a job transfer which would allow us to see the world and maximize savings at the same time.  He already draws VA disability and military pension, and in 12 years will be able to draw on a government pension.  In the meantime we're prepping by streamlining our possessions and readying our house either for locking up or selling, whichever makes the most sense when it's time to go.  So we're working both ends - earn more, and spend less - because we want travel to be our first priority!
Title: Re: Say Hi and Introduce Yourself
Post by: marty998 on March 27, 2013, 03:23:17 PM
Howdy.  I'm 37, hubby is 45.  I work in behavior health, he works for the government.  Our kids are 25 and 18, neither lives with us.  3 dogs, 2 cats.  Just a few years to debt free! 


Tell me you did not have a kid when you were 12?
Title: Re: Say Hi and Introduce Yourself
Post by: Ms. Doodles on March 28, 2013, 07:54:35 AM
Hi All,

Ms. D here, a 32-ish debt-free Houstonian DINK.  Been a forum lurker to gather tips, insights, and entertainment.  Let's just say, MMM jumped start my enthusiasm for FI early this year.  And there's no turning back!

Mr. D and I plan to venture overseas in two to three years for possibly years of pleasure, business, and adventure.  The Mustachian philosophy is instrumental in our goal.   Armed with kitchen experiments, decluttering accumulated "stuff', a less consumerist mindset, and an appreciation for the simplest things, our quality of life has taken an upturn.  Who would've thought financial planning is fun? 

-  Ms. D
Title: Re: Say Hi and Introduce Yourself
Post by: BlueBird on March 28, 2013, 01:03:51 PM
Hi friends,

I'm 32, in public health, and from the DC area.  My husband is 38 and active duty military.  He has just over 20 years in and we're planning military retirement in the next 1-3 years, but for now they have us living in the wild, wild west. We have a daughter who is 19 and off at school.  Before anyone does the math on that, I'm wife and mom version 2.0 and so not her bio-mom (but she is very much mine). 

We're fairly naturally frugal about most things, although we've made our share of mistakes.  We realized pretty early on that although I'm very employable, we needed to not count on my income at all since the military moves us whenever and whereever they please.  Sometime last year it occured to me that we could probably retire "for real" shortly after my husband retired from the military.  At that point we figured it would take 10-15 years after that.  Having found MMM, we're not projecting full retirement in 5-6 years, which we're thrilled about! 

Anyway, I just finished up readying all of the blog posts and thought I'd mosey on over here. Looking forward to "meeting" you all.
Title: Re: Say Hi and Introduce Yourself
Post by: superheropunk on March 28, 2013, 05:48:11 PM
Hi!
Title: Re: Say Hi and Introduce Yourself
Post by: StrangeWool on March 29, 2013, 08:51:20 AM
Howdy,
I'm a 37 year dude in Houston, married (wife 29) with a 1yo and another on the way (around September).  I've been lurking since last October or so, and I can see things really started to move in the right direction since then.  I don't have a ton of debt ~$12,000 @3.25%, but I also have very little savings ~$15,000.  I am starting very late--and really--I'm just hoping to retire comfortably on time.

I've been facepunching my self on a regular basis thanks to you good folks, and I look forward to some more!  I might even muster up the strength to start a journal sometime soon.
Title: Re: Say Hi and Introduce Yourself
Post by: Jessica on March 29, 2013, 09:00:48 AM
Hi everyone,

I'm 33 and just getting started on working towards FI.  Up until about a year ago I figured I'd do like everyone else does - work forever, buy stuff, groan about Mondays, etc. I really want to escape that and I'm here to learn more and get the ball rolling!  Currently I'm mostly debt free, except for the dreaded car loan <shame> so task one is eliminating that stupid bill.  Next up: growing the stash!  Cheers all.
Title: Re: Say Hi and Introduce Yourself
Post by: limeandpepper on April 03, 2013, 05:23:11 AM
Hi everyone, I've been reading the MMM blog and forum for awhile now, finally registered for an account. I've always been frugal but reading blogs/forums keep me inspired and motivated!
Title: Re: Say Hi and Introduce Yourself
Post by: Jenga on April 03, 2013, 04:21:28 PM
I'm Jenga.  I'm 37, and the Official Bank Of The Extended Family, which has made saving for retirement difficult.  I've been working on finding a better balance on that, and will soon  have my only debt, a loan I co-signed, paid off! 

I've been reading MMM for quite some time, and thought I'd make an account today, as I often wish there were someone as fascinated with this stuff as I am to talk to.   The next goal is to get to Financial Independence/Early Retirement as soon as possible. 

I hate biking, which perhaps makes me out of place here, but I walk pretty much everywhere, so hopefully that is sufficiently mustachian. :D
Title: Re: Say Hi and Introduce Yourself
Post by: Jenga on April 04, 2013, 08:08:03 AM
One of my first actions once I decided to ER in the immediate term was to announce to all family members that the Official Bank of The Extended Family everyone thought I was running was closing down for business at the end of 2012. So far, so good and that act alone has saved me around $8K pa of expenses.   

It really does make a surprising amount of difference!  LOL
Title: Re: Say Hi and Introduce Yourself
Post by: MikeStache on April 04, 2013, 11:23:58 AM
Hi, I'm 37 and have been reading the blog and the forums since a friend posted the link to the savings rate vs time to retirement post on FB. I've been spending more time on the forums lately so I finally signed up. My wife and I have always been fairly mustachian. Even before our daughter arrived a few years ago, we kept expenses fairly low, we paid off our mortgage in about 6 years and had started accumulating a decent 'stache. This has allowed her to be a SAHM home until our daughter starts school next year.

ER was always a goal of ours but reading here has just accelerated that desire. Our savings rate is relatively low now that we're on the single salary (10-15%) but will go way up when DW returns to work.
Title: Re: Say Hi and Introduce Yourself
Post by: startingover on April 04, 2013, 08:56:29 PM
I love to hear about new people to the forum, and to MMM!  Welcome.  Good luck to your family.  Keep going the way you are, enjoy life, and each other!

Title: Re: Say Hi and Introduce Yourself
Post by: expatartist on April 04, 2013, 11:19:21 PM
Hi, I'm 38 (from the US), and met The Man (44, from the UK) in a bar in S.Korea ten years ago. Your forums have been a welcome kick-in-the-ass to get me out of some bad habits! Also the hedonism creep that tends to happen towards middle age.

We've done lots of things in a lot of places, mostly in the Asia-Pacific region. Now we're slowing down and taking stock of the future. After years of financial ups-and-downs depending on different currencies and careers, we're looking at ways to deal with/maximize our finances internationally. We're not really into ER, more into making the most of what we have already, and how to build a stache that will work for us wherever we live.

Based in Beijing. For now.
Title: Re: Say Hi and Introduce Yourself
Post by: Suze on April 05, 2013, 07:49:51 PM
Hi All,

I'm a public servant in my late twenties and am just over a year into my first 'real' job after finishing up nearly a decade of university study. Late last year I bought my first home, a small apartment 6km from work - perfect riding distance. My current plan is to pay off my mortgage in under ten years although I am still figuring out how and when I'll be able to achieve FI. While I was already sensible with money, MMM has given me the motivation and ideas to get seriously frugal!

Looking forward to spending time in the community and getting some great ideas from other MMM readers.
Title: Re: Say Hi and Introduce Yourself
Post by: Freda on April 08, 2013, 01:03:32 PM
Howdy.  I'm 37, hubby is 45.  I work in behavior health, he works for the government.  Our kids are 25 and 18, neither lives with us.  3 dogs, 2 cats.  Just a few years to debt free! 


Tell me you did not have a kid when you were 12?

He has a child, 25.  I have a child, 18.  We have no children together.
Title: Re: Say Hi and Introduce Yourself
Post by: Lord Cashmoney on April 11, 2013, 01:14:44 AM
Hello my fellow Mustacians!

I've been waiting for the perfect time to pop up and introduce myself for a short while now. Don't let the alias fool you! Despite appearances, really don't have delusions of grandeur relating to some form of aristocracy or some longing to live a Downton Abbeyesque existance... (ok, perhaps I would actually love to live the "Downton" life... but that's a conversation for later!)

I'm a recent adopter (but not yet a total convert) to Mustachianism. I'm 27, living alone in the beautiful Emerald city. Through certain life circumstances, I attended college a tad late and, via the same circumstances, ended up shouldering the entire cost of my education myself. After the dust had settled, I had a student loan bill totaling $55,000.00 tacked on the back of my degree... Fifty grand! I wasn't shocked by this though as I knew what I was getting into. Far from the relaxed college experience of sleeping in, red solo cup-laden dorm parties and afternoons spent lounging on the freshly-cut grass of The Quad, my college experience entailed 16+ credit hours each term, a job of some sort, an internship of some sort, volunteering of some sort and maybe, just maybe if I was lucky, a chance for a little downtime here and there. I went to school for Advertising and Graphic Design...

I can already hear the muttering from you all...! "Advertising?! You mean you have a career solely supported by persuading maxed out consumers into giving up yet more of their unused credit card balances? That is terribly un-Mustachian!" Well... That too is a story for another time. Long-story short, I was so ravenous, so completely focused on doing the best work that I could that when I did graduate in 2009 a full 2-terms early, my career exploded. I went from making $21,000 at my college job to $52,000 at the one that immediately followed. Then, after a layoff, a move across country with only my savings as a backup and a year and a half of job ambiguity and contract work, began working for a large, Seattle-based internet company with a starting salary of $95,000. Success! My ship has come in! Time to crack open the bubbly and take a nice deep drag on that cigar! ... right?

Not exactly. You see, I did mention that I was only a fairly recent convert to Mustachianism. And the trigger-point that tipped me towards the side of the 'stache? Parking receipts. I was sitting in traffic. Not ordinary traffic either; we're talking 'Seattle' traffic. The kind of traffic that just doesn't move for what feels like decades because at some intersection far beyond the horizon line, a bridge might be up. Or someone failed to merge correctly and are now blocking two lanes of traffic instead of neatly staying single file. I digress! So I'm sitting in traffic. Its the end of the week, I'm tired, It's cold and rainy out and my car is filthy. Well, not filthy, just littered with tons of little paper parking receipts. Each one had $15.65 on it... So I'm sitting in traffic, not moving, idling away the tank of premium gas. Then it hit me. How much did I spend on parking last year total..? I certainly drove to work a lot.. When I got home I started doing the maths...

$3800+ on parking alone.

I kept looking at the number and just wanted to vomit. But I didn't stop there. I added up the interest paid on my student loans.

$3741.31 just on student loan interest.

But it didn't stop there. Let's not forget the cash spent eating out at lunch everyday. Or too many take-out dinners, or the gym membership that I never used because it was too far out of my way, or the gas I burned going absolutely nowhere, or the loan interest on my credit card debts, or the cable TV I was never able to watch because I'm stuck in friggen traffic, or any of the other countless things that I was literally throwing my money at for absolutely no good reason! I felt sick, like I had been punched in the face by some stupid clown who laughed annoyingly and scampered off joyously with thousands of dollars of my hard-earned money, only the clown was me... it was ME! I was in shock for days, and after that, I decided to make a permanent change.

Enter the Badassity: I may be a new, converting Mustachian, but these are some of the things that I've done to make that shift happen.
- Started biking the 2-miles to work (yes, I spent all that money parking my car in a pay lot that was only 2 miles away from my apartment. Story on that insanity later.)
- Put my entire first-year hiring bonus ($7,000) towards credit card debt. (So long 19.99% and 17.99% interest rates!)
- Cutback on my eating out by learning how to cook -food- food.
- Balanced transferred some other $2,200 from a card with 17.99% interest to one with 5%.
- Up-ed debt payments from just a bit more than the minimum to about $2500 a month.
- Put the car to sleep, except on weekends. (Total drive-time has fallen waaaay down).

Dropping about $10,000 on my debts immediately after I received my first paycheck from my new job was an amazingly cathartic experience. I had broken out of what was "normal", since "normal" was living my life as wastefully as I had been. As I saw those high-interest balances incinerated by the sheer scale of the initial blast of money I unleashed upon them, something had changed within me. Now, all I see are areas for improvement and I'm looking forward to the journey ahead.

I can't wait to share more of my experiences, from the very big events such as quitting commuting by car cold-turkey, to the very small ones, like repairing my flip flops with an old bike inner-tube. Being amongst people who are encouraging of the process as I strip the idiocy from my life to become my alter ego, Lord Cashmoney is exciting, and I can't wait to see what I continue to learn from such an awesome group of people as this.

Damn it's good to be here! :)

~ Lord Cashmoney
Title: Re: Say Hi and Introduce Yourself
Post by: Bigote on April 11, 2013, 02:45:08 AM
Great intro post, and welcome!
Title: Re: Say Hi and Introduce Yourself
Post by: olivia on April 12, 2013, 06:33:27 PM
Hi all!  I'm married, 31, and my husband is 34.  We make great money but spend way too much of it, and I'm looking to change that as soon as possible.  I've already cancelled my cable ($130/month) and my CrossFit membership ($175/month) and I started biking the 5 mile round trip to work.  (Previously I was walking to public transportation, so I wasn't driving, but I also wasn't getting the exercise of a bike.)  My husband recently transferred to a closer office and now walks to work, so we rarely drive our one car.  (2007 Subaru Outback.)  I'm looking forward to implementing more changes to get as mustachian as possible ASAP.

I have a background in fashion and it's all too easy for me to get sucked into gorgeous clothes and shoes.  That's my biggest spending temptation, aside from eating out.  My husband's only temptation is eating out, so clearly that's one category where we can get into big trouble. 

I'm excited to be a part of the forum!
Title: Re: Say Hi and Introduce Yourself
Post by: Lord Cashmoney on April 13, 2013, 09:37:31 AM
My husband's only temptation is eating out, so clearly that's one category where we can get into big trouble. 

Welcome, Olivia! I can completely relate to the eating out thing. Before my recent and increasing conversion to Mustachianism, I to would eat out for just about every meal except breakfast... and sometimes even that too! Just in the last year, that resulted in about $5000+ in money that I'll never, ever,ever see again. I'm only just now starting to turn that around.

What part of the fashion industry do you work in? Being in the advertising world, I know how easy it can be to get into the habit of just "having" the latest stuff just... because! I'd love to see how you and I both turn careers in these most-unmustachian industries into ones that work better for us both.

Welcome to the forum!

~ Lord Cashmoney
Title: Re: Say Hi and Introduce Yourself
Post by: olivia on April 13, 2013, 08:05:25 PM
My husband's only temptation is eating out, so clearly that's one category where we can get into big trouble. 

Welcome, Olivia! I can completely relate to the eating out thing. Before my recent and increasing conversion to Mustachianism, I to would eat out for just about every meal except breakfast... and sometimes even that too! Just in the last year, that resulted in about $5000+ in money that I'll never, ever,ever see again. I'm only just now starting to turn that around.

What part of the fashion industry do you work in? Being in the advertising world, I know how easy it can be to get into the habit of just "having" the latest stuff just... because! I'd love to see how you and I both turn careers in these most-unmustachian industries into ones that work better for us both.

Welcome to the forum!

~ Lord Cashmoney

Thanks for the welcome!  We spend a ridiculous amount on food too!  We've cut back considerably but it's still more than it should be.  (Like at least twice as much as it should be...YIKES.)

I used to be a buyer for a clothing boutique for about 7 years, but I'm actually in a totally different field now.  When the economy tanked and my hours got cut back considerably, I took that as a sign to move on!  Since then I've worked in biomedical research, so basically the opposite of fashion. 

As soon as I left I stopped spending a ridiculous amount of money on clothing!  Being surrounded by stuff is definitely not helpful for not spending.  Hopefully you can work on accounts for ugly stuff?  :P
Title: Re: Say Hi and Introduce Yourself
Post by: stinkindog on April 14, 2013, 08:03:06 AM
My name is Trish. I am 48 and live with 3 dogs and a herd of cats.
I live in a small town/rural area and work full time for the local public library. I also mow two yards during the summer for extra cash. I am pretty frugal but I know there is always room for improvement.
I just inherited a small amount of money and have been wiping out all of the debt I have. I had one cc balance (now gone-yeah! )and I paid off the Jeep. I paid off the debt to my parents.  I have started setting up savings and retirement funds and have upped the deferred comp. and employer IRA amounts. I started a stock fund and this week I will be setting up tiered CDs. I am going to make some gifts to my siblings, the local spay/neuter clinic and an animal rescue that does good work. I have set aside some money for home improvements too. When I get those things complete I am going to pursue a refinance of my mortgage.
I do some bartering with my mom-as in I do her shopping and she buys my groceries. I mow her yard and she does my laundry. I drive a 2000 Jeep that I am going to sell and have a 92 Chevy pickup to haul wood.
Once I refinance I am considering renting out my home and living in a smaller trailer/tiny home to get the mortgage paid quicker. I'd like it to be paid off by the time I go to take care of my parents. It will happen-just not sure when so I am really trying to get everything in order as soon as possible.
So hi to everyone.
Title: Re: Say Hi and Introduce Yourself
Post by: misstache on April 15, 2013, 04:51:18 PM
Hi!

I'm Misstache and I'm just starting to take my finances seriously, at the ripe old age of 31. I'm the opposite of MMM and Mrs.MM in that I was born in the US and made my way to Canadia, where I now have permanent residency.

I am super grateful to have found this blog, and plan to be involved on the forum. I'm stoked to see there is already a well-established section for Throwing Down the Gauntlet, as the last  online community I was part of I tried to start stuff like that, and rarely was anyone interested.

Currently reading She Laughed All the Way to the Bank, and plotting my business-to-come-this-year.

I happily live in a place where there is basically nothing to spend money on except housing and food. So I'm well positioned to make my way quickly to living off of a small percentage of my income, with just a few well-needed tweaks, hopefully!

Looking forward to getting to know ya'll.

Love!

Misstache
Title: Re: Say Hi and Introduce Yourself
Post by: adesertsky on April 15, 2013, 07:24:00 PM
Hi!

I'm Alison.  I'm 32 and live in the Chicago Northwest suburbs with my dear husband, 38, and a doggie and kitty with no plans for kids.  I work 7 miles away as a project manager and hub-a-lub takes the Metra downtown where he is a medical research assistant.  We have one 11 year old car- a VW Passat a bought new when I graduated college (which was probably a mistake but I plan I driving it until it is a classic and beyond).  We have $285K on the mortgage, $2,144 on credit cards, and $86K in our 401Ks.  Even though I am a pretty organized and logical person in general, money makes me weird.  I get a bug in my head that I *should* be able to afford something because I work hard and yadda yadda yadda and so use that as an excuse to just do/buy things. 

My turning point was upon returning from vacation in California a couple weeks ago, my water heater busted and, upon reviewing my finances, realized that I had to spend the last of the $15K inheritance I got from my Grandparents to pay the plumber an my credit card.  How depressing and I felt like crap for just letting it all go down the drain!  I sat down with my husband and told him that we couldn't continue to do things the same way anymore.  We made a budget for the year and a plan to pay off the credit card quickly so we could start to rebuild our savings. Still- it didn't seem like enough. 

After googling around for money info, I  found this site and I AM TRANSFORMED!  I actually think I can be FI in my early 40s!  I told my husband and he laughed (he requires a little more convincing).  I'm excited to keep learning more and see progress.  I even rode my bike to the library and picked up a copy of YMOYL.  Yay!
Title: Re: Say Hi and Introduce Yourself
Post by: Mo Money on April 15, 2013, 08:02:00 PM
Hi, I'm Mo Money.  I'm 50 (a relative oldster in this environment, I guess) and am at this point FI, but pondering whether to "jump" and get the heck out of my boring, high-pressure, health-killing office job.  (My favorite song is Radiohead's "No Surprises":   "A heart that's full up like a landfill, a job that slowly kills you....")   

I just discovered this blog a week ago, and I confess it's like I've just found a parallel universe where perhaps I'm a much better fit.  I do like nice things, but I buy 'em on sale and wear 'em out.  I am really pretty dull. 

As to money?  I save a relatively paltry (by MMM standards) 40ish percent of my income.  But at my ripe  age, that amount of savings -- coupled with time -- has put me in the low seven figures of net worth.  I'm a hard-core indexer, though I could still use some advice on my portfolio -- absolutely no bonds in it right now.  That's for another post, however. 

Anyway, here I am, in my PJs, in my study, lights out but blue computer screen glowing, saying hello.
Title: Re: Say Hi and Introduce Yourself
Post by: KingMe on April 15, 2013, 08:53:49 PM
Hello. First post, but recently I became an active reader. My wife and I live in Washington, DC, and have two kids - 4 years and 3 months. I'm looking forward to participating in the forums.
Title: Re: Say Hi and Introduce Yourself
Post by: teamzissou00 on April 16, 2013, 11:03:52 AM
Hi all!

I'm just now realizing there is a forum after a month of furiously reading all the blog posts.  I think I just found my new home. 

I'm 32, married with a 10 mo. old boy.  I've been working on a budget to track all our spending, and find ways lo lower it.

Basic questions:
1) do I budget an amount for vacation, or spend from my savings...or both..?
2) do I count the principal I pay on mortgage each month into my % saved amount?
3) how do I add back my 401 k contributions in figuring my % saved?

Looking forward to chatting with you all!

My weaknesses- taco time and blu rays- where is the support group?  ; ). Wink
Title: Re: Say Hi and Introduce Yourself
Post by: tuomasj on April 16, 2013, 11:50:00 AM
Hey!

I'm a semi-serious path towards financial independence. I invest certain amount of money every month, but there is definitely still room to grow the monthly savings amount.

Our way of tracking monthly budget is quite simple one, at the beginning of the month we put money in a "living expenses" bank account. Then we use that debit card for our living expenses and adjust our daily spending accordingly.

--tuomas

Title: Re: Say Hi and Introduce Yourself
Post by: Adventure on April 16, 2013, 01:53:42 PM
Hello everyone,

I've been reading the blog on my RSS reader for I'm not sure how long and it is one of my favorites! Other than Dilbert of course. Thanks to the inspiration from this blog my wife and I refinanced the mortgage, and are working our way out of the hole we're currently in. I'll be posting a question in the "Ask a Mustachian" section for advice on which to do first - eliminate PMI or payoff student loans. Thanks!

Adventure in California
Title: Re: Say Hi and Introduce Yourself
Post by: davisgang90 on April 16, 2013, 05:31:39 PM
Hi,  I'm Rich Davis, 44 years old 23 years active duty Navy.  I need to get much more frugal and figure out what I want to do when I grow up.
Title: Re: Say Hi and Introduce Yourself
Post by: Suba on April 16, 2013, 08:04:38 PM
Hello!

My name is Suba. I am 31 and my husband is 32. This year will be a year of changes for us (buying a house, moving to a different state and starting a family). We have been trying to save for 3 generations (our parents - it is our culture to take care of our parents, they have pensions but we want to cover any big medical expenses they cannot handle, our future kids - we want to pay for their college and of course our retirement). We want to be financially independent by the time we are 40. Let us see how that goes :)
Title: Re: Say Hi and Introduce Yourself
Post by: tuyop on April 17, 2013, 06:23:57 AM
Basic questions:
1) do I budget an amount for vacation, or spend from my savings...or both..?
2) do I count the principal I pay on mortgage each month into my % saved amount?
3) how do I add back my 401 k contributions in figuring my % saved?

I don't think I understand what you're asking.

- Save for your vacation, then spend the amount that you saved on that vacation.
- That's debatable. Technically paying down your mortgage principal contributes to your net worth, so I don't know.
- No idea.
Title: Re: Say Hi and Introduce Yourself
Post by: Caoineag on April 17, 2013, 06:49:04 AM
Hi. My name is Crystal. I'm 31, married and have been reading here for awhile and decided to join so that I had the see new posts since last visit option. :D
Title: Re: Say Hi and Introduce Yourself
Post by: TansyPants on April 17, 2013, 12:27:45 PM
Hi! I'm Tansy.
I'm 26, studying computer science (for free, online from home, with the aid of my software engineer boyfriend), working part time in a cafe. The boyfriend pays 75% of the rent and all of the groceries and utilities. I do the cooking/cleaning/clothing repairs/bed warming. As his income is approximately 8x mine, and he had previously survived on take out for lunch and ordering in for dinner this arrangement works out as a net savings for both of us.

We live in Hoboken NJ where we pay a ridiculous amount for a 650sq ft one bedroom apartment (though still 1600/mo less than a similar space in Manhattan cost us, not to mention a $300/mo tax cut for him. NYC income tax is a bitch.) he commutes to work via a combination of foot and commuter train travel (except when it's raining, or he doesn't feel like going in, when he works from home. Seriously, who wouldn't want a job this flexible??) and I study at home, and work a 5 min walk away. We own neither cars nor bicycles.

My goal is to "retire" as early as possible, and live a homesteading type existence in my home country of New Zealand. His goal is to make enormous quantities of money writing software for boot strapping asteroid mining robots and eventually live on an interstellar spacecraft/asteroid/some planet more interesting than Mars. I am resigning myself to the possibility of homesteading in a zero g environment and adding a study of aquaponics (a closed system involving the production of fruit/veg and fish- we're setting up a mini system in our living room now.), plumbing, welding, and electrical systems to my existing base of construction, equine massage, farming and computer science.

In the mean time, He has nearly finished paying off his student loans and is interviewing at Google next week. I am studying and using part time income to pay off existing debt- Student loans of about 10k, nothing else. Yes, I studied music, international business, equine management/massage, environmental economics, and hospitality before deciding the best thing to do now is to learn to successfully make money and then go do more interesting things. On the bright side: I can climb trees and wield chain saws, maintain large machinery, weld, drive stick, ride horseback, provide soft tissue massage, do simple plumbing, plaster interior walls, build simple structures, make repairs, build a methane digester, knit and sew, mix cocktails, find my way around with a topographical map and a compass, make fantastic espresso, cook seriously tasty food for cheap, talk to strangers, build a solar oven/dehydrator, butcher a sheep/deer/cow/rabbit/pig, hit a target with a rifle ( I admit to still missing every time when that target is still alive. Perversely, I can hit a dead rabbit in the head 5 times out of 5 from the same distance I missed it at twice while it was still alive.), preserve meat and veg and fruit in a variety of ways, and reason moderately well. I figure most of those will come in handy eventually.

Since reading this blog (I just finished all of the posts) I finally applied for my first ever credit card ( I have NO credit history in this country. Not bad, just none and I need to fix that) Paid an extra grand off my debt last month. Doing no spending for the rest of this month in order to pull that off again this month, and have upped the time I spend studying so as to at least double my income some time this year. I've also recently gotten access to my parents costco membership and they will drive me to costco and home again in their brand new Prius for the price of a home cooked meal and a bottle of wine. This is excellent as we currently (don't hurt me) order in overpriced groceries from Fresh Direct. The boy doesn't mind because it's still under half what he used to spend on sushi in a month, but a $600/mo grocery bill for two people and 3 cats is ridiculous.

Anyhow, enough waffling. I have a lot to thank this blog for already, and much, much more in the future, I have no doubt.


Title: Re: Say Hi and Introduce Yourself
Post by: soczab on April 17, 2013, 03:34:16 PM
Hey everyone.

I'm mike, in my late 20s.  A big history buff if you want something personal!  I stumbled over this place when trying to educate myself with the internet, and in reading a bunch of the comments/blogs decided to stay!
Title: Re: Say Hi and Introduce Yourself
Post by: phosgene on April 18, 2013, 03:24:34 PM
Hi, I'm Eric.

I found this site on a link from Reddit and after reading through most of the posts I realized that I'd totally screwed up my personal finances.  I am a Server Administrator for a large university system so I deal with computer stuff all day long.

I am now working to correct my horrible financial decisions by implementing some Mustachian changes to my life.  As a matter of fact I just used some of my cash to buy a bike even though I am attempting to deal with my debt emergency as it will be an investment rather than a financial drain.  I live close enough to work that there's no reason to be driving my car.

My saving grace is that I don't have any substantial student loan debt (I have paid it down to having less than $1000 left).  My problem is the 1998 Jeep Wrangler I overpaid terribly for that is now about ruined and I am way, way under water on the loan I took out to pay for it, in addition to the 10 MPG efficiency.  Hopefully the bike can save me on gas and parking.  I also have a fairly large credit card debt ($5300) which I am attacking right now.  Not sure what to do about the Jeep at this point though.  Shouldn't have taken out the loan - lesson learned!

I am saving about $1100 per month through a combination of 403(b) retirement, high-yield savings account, and credit card debt repayment from a roughly $2800 per month take-home after implementing some of MMM's ideas.  Once I get my debt paid off I hope to begin investing some of the cash I used to pay off my credit cards in ETFs/mutual funds.

I'd just like to thank MMM and the forum for all the help and ideas they've given me to straighten myself out and I hope I can be just as helpful.
Title: Re: Say Hi and Introduce Yourself
Post by: cgmorton on April 18, 2013, 03:56:49 PM
Hi all!

I'm CG.  I'm 24, with a debt-free degree in Computer Science from a state college (US).  I've been working for 2 years now, making way too much money first in finance (saved 50% living in CT), and now health-care (saving more like 75% in the midwest).

On the one hand, I could retire if I keep this up for 5-6 more years.  On the other hand, I find big-corporation work pretty unsatisfying, so I may quit even earlier, and use my stache as a runway for some kind of self-employment gig.  Even keeping my current outrageous lifestyle (I don't even have roommates!) I could live on my savings for 3+ years.

Anyways, I've been reading this blog for over a year now, and thought I'd try to get involved in the community.  I'm interested in economics, real estate, and pretty much anything you can think really hard about.  Nice to meet you all!
Title: Re: Say Hi and Introduce Yourself
Post by: Mazzinator on April 18, 2013, 08:05:09 PM
Hello everybodee!!

I'm michelle 36 married, he's 39 and in the army. Have 2 kids, 9mnths and 2yrs. i found MMM through babycenter "we are debt free" group. My biggest moment is when i realized we had been on "baby step 2" for 4 years and STILL owed $100k. Um, yea..something has to give.

Since then, around Nov 2012, we've been trimming the fat and just upped our "savings" aka debt repayment to 23% BUT we finally just adjusted, as in yesterday, DH withholding allowances sooo waiting to see the exact extra money coming in to up that!!

Also, we are moving to Oahu in June!! And hope, no should, no, we WILL downsize and double or even triple our snowball...

MMM (and mint) has completely changed our life!!!
Title: Re: Say Hi and Introduce Yourself
Post by: Margaret Fuller on April 19, 2013, 01:11:49 PM
Hi everyone,
I've decided to call myself "semi-retired" because I work 4 days/week and go to school on the other day.  I'm in the middle of changing careers, from an analyst/attorney for a state agency to a hospital chaplain.  I don't know if I'll be able to find a "semi-retired" position as a chaplain, but I'll work on that.  I have school loans that are currently deferred that I'll be paying off until 2033 or something, but they're at a 1.65% interest rate.  We have a Dave Ramsey-style emergency fund that we're planning to cut in about 1/2 and invest the other 1/2 in higher-interest things. 

My spouse has been "semi-retired" for almost 20 years when he decided he didn't like full-time work and became a consultant, working 2 days/week.  We have a 3 1/2 year old child.  We'll rent until we have enough $ to make a 20% downpayment on a house (at least that's what I want to do, my spouse is more flexible).

I found out about this site over a year ago from my sister and am checking it out again because I am now ready to become a mustachian!
Title: Re: Say Hi and Introduce Yourself
Post by: MorningCoffee on April 22, 2013, 06:44:32 AM
Hi everyone,

I've been lurking for a while and enjoying the forum threads. Thought it was about time I say hi!

I'm 35, hubby is 37 and we have a 3 year old and 6 year old. We are on our way to ER and have always been somewhat frugal. I'm starting to learn more about investing since I quit my big-fat-pension job 6 years ago to stay home and raise my kids. Since the kids will both be in school soon, I'm slowly building up a few side gigs and launching my own business to work on my terms.

Thanks for building such a fabulous community and wealth of information!
Title: Re: Say Hi and Introduce Yourself
Post by: jimithng23 on April 23, 2013, 07:27:03 PM
Hey fellow 'Stashians.

I'm 33, DW is 35.  We have 2 kids, 4 and 2, a dog and a cat.

Complete with $47k of debt and a $106k mortgage, we're living the american dream!  /sarcasm.

I was turned onto the path of Badassity by starting with Dave Ramsey's 7 Baby Steps.  Step 1 is nearly complete, and Step 2 is underway.  Funny to stumble on MMM's blog through the comments section on badmoneyadvice.com.

But I digress...DW is a SAHM, which is a blessing, and my income is north of $100k for the last 2 years.  What do we have to show for it?  Well, you saw that stat line above, + a measly $13k in a 401(k).  We had "The Talk" nearly 3 weeks ago and now that we're on the same page, the big picture is coming together and we're totally motivated to rid ourselves of the leech of debt and work towards total FI. 

Looking forward to learning more and more from you all each day.
Title: Re: Say Hi and Introduce Yourself
Post by: Monkey Master on April 24, 2013, 09:39:13 PM
Good morning,

I am 33 years old and I currently live in Sydney, Australia. My wife and I plan to retire at 35. I have started a blog to share how we reached that decision and how we are planning to bring it to fruition.

Until we realised we could retire early, we wasted a lot of money on restaurants, clothing, etc... and are coming from a consumerism background. It took us some time to realise it until the birth of our child 7 months ago. Since then, we are working hard towards our early retirement goal.

After silently taking the time to assimilate all the information on this site and others, I have decided to become a voice in the community as well, sharing how we reshaped our philosophy and concretely building financial independence.

Monkey Master
Title: Re: Say Hi and Introduce Yourself
Post by: Constance Noring on April 25, 2013, 08:32:26 PM
Months of reading over my husband's shoulder have finally gotten the best of me, and I realized I should probably just make my own darn account and try pitching in on the conversation every once in a while. You learn a lot when you're married to the Howard Cosell of MVNOs, and maybe I have some useful info of my own to share. :)
Title: Re: Say Hi and Introduce Yourself
Post by: crowstache on April 26, 2013, 10:56:26 AM
Greetings!  I’m 44, married with two children (12 and 9), and living in the Sacramento, California area.  I stumbled upon this blog about a month ago while searching for advice on getting a Costco membership.  The name Mr. Money Mustache immediately caught my attention as I have quite a sizeable furry lip appendage of my own!  I’ve always had some mustachian ways (although my friends would just say I was cheap), but for some time now DW and I have been struggling with a lifestyle that has simply not been sustainable on our current income levels.  What worked when we were DINKs simply doesn’t work anymore now that my wife only works part time and we have two kids.  As a result we have accumulated fairly large balances on two credit cards and have virtually no savings (insert face punch here).  Since finding MMM, I’ve been re-inspired with a new sense of optimism and a chance to turn things around.  I’ve already gotten a new home insurance provider (saving us close to $1,000 a year), modified our auto insurance (saving about $100 every six months), and started a refinance of our mortgage from 4.25 to 2.875% (saving us about $150 a month).  When our cell phone contract ends in December, I have no doubt we can save some money there too.  Although I wish I had gotten started on mustachianism earlier, I still think there’s time for us to make a big difference for our future.  what I like best about this blog is that it demonstrates so many positive ways to take control of one’s own financial destiny, save money, and still live a very good life. 
Title: Re: Say Hi and Introduce Yourself
Post by: MoneyMage on April 26, 2013, 12:21:09 PM
'Sup. I found this somehow via another site's discussions on Dave Ramsey and YNAB. Ramsey seems great if you are trying to get out of debt, but that's not us, we just have a mortgage with only 12 years left on it. I was drawn to this site for financial freedom and a fresh outlook on how to live.

My spouse and I are 31 and we work in software. We like our jobs, and we get excellent benefits, so neither of us has a desire to retire really early, but we like being able to do whatever we want for food and hobbies without having to worry about our money. We got off on a great start as DINKs but now that we're popping out offspring we realize we need to rethink our spending habits if we want to afford the best private schooling. Cutting cable looks to be our next move... we can live without it!
Title: Re: Say Hi and Introduce Yourself
Post by: Jayne on April 26, 2013, 08:52:52 PM
Hi, I'm Jayne. I'm married, working full time, and our only child just graduated college with NO debt. My husband retired 7 years ago, and he would like some company. I saw the WaPo piece, and have to ask: what are you doing for health insurance?
Title: Re: Say Hi and Introduce Yourself
Post by: EMP on April 26, 2013, 09:01:33 PM
Hi, I'm Jayne. I'm married, working full time, and our only child just graduated college with NO debt. My husband retired 7 years ago, and he would like some company. I saw the WaPo piece, and have to ask: what are you doing for health insurance?

A lot of people have a high deductible plan with HSA. But that question would be better asked under Ask a Mustachian.
Title: Re: Say Hi and Introduce Yourself
Post by: emilylwaters72 on April 27, 2013, 11:15:00 AM
I'm Emily.  A year ago I worked at an abysmal job and had my three kids in child care because we didn't think we could make it on my husband's modest probation officer income.  Now I'm soooo grateful not to have to do that rotten job anymore and living better than before.  I get satisfaction out of doing things myself and my husband does also.  The house feels more "ours."  When we give gifts, we invest a portion of ourselves in them, either by carefully shopping for them or else making a portion of them ourselves.  Our kids aren't so entitled and needy as they once were.  And considering the alternative of slaving away in a widowless office, writing decisions for an emotionally incontinent 50-year-old boss, my present circumstances are heaven reincarnated. 

I learned of MMM from the Washington Post article yesterday.  We've never been flush with income, so of necessity my husband and I have adopted most of your foundational rules, except we send our young ones to a charter school that requires me to drive there four times a day (3 miles, one-way) for pick-up and drop-off.  Also, we haven't adopted the attitude of making every single penny work for us.  We aren't big investors and have modest college savings accounts for the kids and $80k in retirement.  And we are out of money every single paycheck.  But we're trying. . . .
Title: Re: Say Hi and Introduce Yourself
Post by: citrine on April 27, 2013, 01:53:57 PM
Hi everyone....found this site though the Simple Living Forums.  I am 38 and DH is 49, we have two sons 17 and 20 and two cats.  We are in the process of paying off the mortgage early, funding one college tuition, and gearing up for a second one!
We definitely can trim a lot more fat out of our budget and are aiming on living off of 25,000 once mortgage is paid off....definitely doable if we stick to it!  DH works full time and I work part time in my business which leaves plenty of time to take care of things around the house, cook, garden, refinish furniture, and read :)
Title: Re: Say Hi and Introduce Yourself
Post by: TheNessaEmpire on April 27, 2013, 06:07:57 PM
MMM people of the world!! I'm stepping up from up being a lurker and into a hopefully useful contributor. I'm Vanessa, 32, fabulous frugal chick with some stuff figured out about what I want from my finances, quality of life and general empire building.

Got some major personal milestones accomplished:
Lifestyle expense trimming ones
Many a friend have been converted to my ways of HD antenna + Roku instead of cable
Downgrading internet service
Switching cell phone providers a la MMM style
Grocery shopping in bulk at BJ's
Health insurance costs lowered by doing incentives and switched over to a HDHP plan, saved me like 600 bucks a year
Almost all purchases go through a few processes:
First is the waiting period. I try to wait at least 30 days for personal stuff and always search for used or previous generation.
Craigslist number one. I've bought cars, houses, electronics, furniture all sorts of stuff
Salvation Army/Flea Markets/Farmers Markets for produce, clothes, accessories, what have you 
Habitat for Humanity Stores for house materials
eBay then Amazon for price comparisons for part replacements or bulk discounts
After all that, I'll start looking at regular stores. I hate paying retail prices. It's like I'm paying a premium to give someone I don't like my hard earned money. Grr.

Financial goals I've reached: 
Maxing out my 401k
Maxing out my stock purchase plan for all the free money I can get
Opened and funding max to HSA account (The best tax savings account you can have in America, seriously)
no mortgage, no car debt, no CC debt
Student loan debt started at 70k and have about 35k left. I'm on a 4 yr plan for that
Live on about 25% of my salary or one rental property's income
Net worth went from about -85k to about 160k in the last ten years

Rental Properties for cash flow! what what!! I have 4 properties and closing on 3 more next month. All purchased cash or with owner financing. I buy crappy houses and rehab them to decent shape and rent them out at fair rates. Froufrou co-workers call me slumlord, regular folks call me awesome. I have a partner and a great team to work with. All rehab costs are paid in cash and our time so expenses and labor are on serious lock down. I find more houses than I have cash to buy. I'm actively looking to fix that lol. Had my biz partner switch the big boy Tundie work truck into a rollerskate --Scion XA thank you MMM. Since most of my time is spent driving to look at properties and not hauling rehab materials from Home Depot. That and gasbuddy cut my gas bill from  450/mo to 130/mo.

Love to speak the language of my silent life partner -the IRS. I focus on putting as much as I can in tax advantage/retirement accounts and do lots of strategic planning. This year, I'm planning to open more retirement accounts to lower my tax liability through the real estate LLCs. Taxes are the probably the biggest expense I'll pay over my lifetime, so I want to make it count.

One of my fav posts from MMM is about the utilities savings. Omg, I went crazy with the 1.0gpm for all the faucets and showerheads on all my properties and switched out all my cheapo lighting into cfl or led. None of my properties have central air, instead they have ac units or ceiling fans and dehumidifiers. My library had that energy efficiency kit so I could do all sorts of testing like a mad woman.  I'm looking at one property where the owner pays for all utils in the rent, it eats about a quarter of his gross rent income. Ouch. These are only 500 sqft units!  First thing I'd do is change all new leases to tenant pays for all utils and doing maintenance on all existing units to "upgrade" their plumbing and light fixtures to the 1gpm aerators and CFL bulbs since I'm locked into paying those costs for the next 12 months. If I get that property, I'll serenade MMM with songs of praise in KWh bc that guy makes no cashflow with that kind of overhead.

I've got lots of things to work on. My free time is very scarce with all the real estate projects I have going on with my ft job and I'm not balancing other parts of my life well. I need focus and support for things around my personal life --preparing meals at home, keeping physically active and being social. My friends don't always think its fun to look at houses or putting up a bathroom door lol. Those are areas of wealth that need as much attention as any of the money stuff. My eyes were open to that when I had hurt myself working out and had to pay muscledudes to do the stuff I normally do. Health is an asset and can have real costs over a lifetime. I'd like to keep them low by staying healthy for as long as possible. One of excesses is my bike collection. I have about a dozen bicycles in my garage that I stopped making time for and haven't ridden since in the last year. In college, I used to flip bikes it's probably my fav side gig I've ever had.  Bringing it back into my daily habits would be a twofer on the priorities list, less gas and getting exercise. I'm still not at full recovery but its a goal. 

Life was not always to the extent of today's awesomeness...
I had overdrafted bank accounts and maxed out CCs
Months where I was out of work, lived on credit and that ended about as well as you can imagine
Almost got my first car repo'd
Defaulted student loans
Failed business ventures with no zero cash left to live
Failed relationships where I've had to start over with little more than my dog and car in the assets column

pphhshh! eff that. I'm solid as a rock, partly because of my past mistakes, serious financial education, belief in myself and the ability to do things other people around me aren't doing.
Title: Re: Say Hi and Introduce Yourself
Post by: desk_jockey on April 28, 2013, 09:19:11 AM
Hello Everyone,

I’m David, from Atlanta.   Found the site over a year ago via the Triestoohard & gestalt162 posts over on Reddit.  Read all the posts here, some many times over, and even posted a few replies under other names.   I guess it’s time to start using the community and see what else I can learn.

I have always been a saver and have lived well beneath my means.  About two years ago, due to a variety of factors my savings rate went >50% to ~30%.  MMM has been an inspiration to get things back under control. 

I was also among those that saved for retirement without really thinking about it.   Kinda guessed that I’d need some $4M to retire and would be working until age 62+.  Reading MMM has been eye opening.  I realize now that I’m only a few years from F.I.   

I chose this username for another site years ago when I was much less satisfied with work; now I keep it as a reminder...   I’ve used the knowledge and confidence gained here (and a few select other sites)  to cut back/out the “required” things in my job that I hated most and focus more on what I like.   Am enjoying my job more than ever these days and as this continues I could see myself staying on for several years beyond F.I. until I find my next adventure. 

Thanks MMM & Family, and thanks to all
Title: Re: Say Hi and Introduce Yourself
Post by: TheSokols on April 28, 2013, 06:17:13 PM
Hi,
We're The Sokols, family of 3 (+ 2 cats + 2 dogs), living in metro DC area, aka "Ninth Circle of Hell". Mr. and Mrs. are firmly middle-aged, older than Mr. & Mrs. MM we suspect by a decade or 2. We'll post our question elsewhere, but we are big fans of small cities, tiny houses, frugality, badassity, etc. We even like bikes but due to spinal injury, Mrs. S. is no longer able to ride a bike with loads of stuff in tow or on her back.  We have one area of non-frugality - we LOVE to travel. We do splurge on that, but don't create debt doing so and have no plans to cease.  We are planning on leaving the DC area for good once Daughter is in college. We grew up in NYC and have lived in NYC, LI, NoVa and Pinellas Co., FL.
See youse!
Title: Re: Say Hi and Introduce Yourself
Post by: Old Yorker on April 29, 2013, 02:10:34 PM
Hi
I live in the UK - hence Old York - and enjoy reading PF books, blogs etc. I found this through the excellent UK site, Monevator, and liked the style of what I've read so far.

I reckon I could retire tomorrow, but I quite enjoy the corporate life I lead! It's disappointing that so many people hate their jobs and it makes me feel lucky that I really don't. I do fantasise about retiring early, but wonder if I'll miss the world of work. Today, for example, I played golf with colleagues from related businesses (who are now friends) at a beautiful course, all paid for by our companies who clearly value us enough to allow us to do this sort of stuff!

Anyway, nice to join another community of like-minded folk!
Cheers
Title: Re: Say Hi and Introduce Yourself
Post by: why2kie on April 29, 2013, 04:16:26 PM
Hello everyone,

I'm 28, single and live in Germany. I found and read the MMM interview in Washington Post, with the title "Meet MMM, the man who retired at 30. Directly after I read the half of the interview, I'm fully agree with the philosophy of MMM, since I could finish my study in 2011 by saving money from my part time job (without debt) and minimal financial support of my parents.

In the last years, I often think how I can achieve FI if I still work as an employee. I'm also thinking to become self-employed person or to start a small business. However, I still have difficulties, ideas, and capital to realize my plan, and also less courage to take a risk maybe. On the other side, I don't want to have a discussion with the most people here, who complain about the retirement at age 67 or 65.

I'm feel so lucky to find MMM's blog and have an opportunity to read and share with all of the Mustachians around the world.
Just, contact me if one of you also live in Germany.

Thanks for the share MMM
Title: Re: Say Hi and Introduce Yourself
Post by: jfer_rose on April 30, 2013, 12:49:05 PM
Hi,

I'm so glad to be here! I just discovered MMM and after spending the last day nosing around, I would like to try to move up my retirement age as much as possible. I thought I was in really good financial  shape since I'm putting 20% of my salary toward retirement and another 10% toward savings. I am humbled by what I've seen here so far and also inspired to do better!

Also, my career is based on making my city better for walking and biking, so I am loving what MMM has to say about those forms of transportation!
Title: Re: Say Hi and Introduce Yourself
Post by: OzzieandHarriet on April 30, 2013, 10:31:54 PM
Hi -- I've been lurking a bit. It seems I'm older than the average here, at 55. What got me here was I've been plotting to quit my job and so have been looking for info. I think I'm too late for ER at this point, though not by some people's standards, I guess!

I would love to get feedback on my situation, but maybe I'll post questions in the question forum.

Anyway, this is an interesting little corner of the web and I'm glad to be here.
Title: Re: Say Hi and Introduce Yourself
Post by: ajh1983 on May 01, 2013, 11:48:43 AM
Hello!
I've been reading only for a few days, but finding this site feels like coming home.  The ideals and values I see expressed here are very much my own, despite being surrounded by plenty of very materialistic people in my years.

I am an active duty veteran ('02-'06), college grad, and will be starting medical school in two months across the country with my fiance!  We are very excited.  Although taking on the enormous debt ahead is not very mustachian of me, the following 7 years are an investment in my future.  Our plan is to live frugally and retire on ~10 years pay down the road, leaving me at about 48.  I took the long road, but I'm entering a career I find fulfilling and which is very stable during times of economic hardship.

Thanks and I look forward to learning more from you!
Adam
Title: Re: Say Hi and Introduce Yourself
Post by: lunette on May 01, 2013, 01:23:18 PM
Hi! I found the site last night - Mustachianism is a good frame for a bunch of the choices I've been making over the past few years, and I'm hoping that by hanging out around here I'll get some social motivation to shake off some of the consumerist schtuff that still clings to me. 

I'm a single 30-something freelancer. The theory of my life is that I have gumption and creativity and countless options. This means I won't *need* to retire because I could always figure out how to make a living doing something I like.

In practice, however:
- I don't love my work (it's fine, it's even fun in low doses and it possibly does some good in the world, but I would not spend most of my time on it if money were out of the picture).
- I worry about work too much, and **oddly enough** I don't seem to have much time for strategizing a better life.
- I rarely take more than one day completely off, except when I book an expensive retreat for which I clear my calendar.
- Part of the reason is worry about money - and even more so, a general vagueness about my financial life - that nudges me to say yes to every job and court every potential client.
- Though I've tried to move toward a more DIY life, to a great extent I'm still stuck in my old rat-race pattern of keeping busy and paying for conveniences.
- My savings and investments are few.
- Plus I'm not consistently getting in the exercise and meditation that would make me happier and more efficient.

The good news:
- No debt
- I'm a recovering workaholic (literally - I started going to Workaholics Anonymous 12-step groups, though currently I'm not managing this)
- My freelance business is growing (more prestigious clients, bigger projects and I'm raising my rates), so earning potential is modestly rising
- This spring I gave up my apartment and went nomadic. I was staying with different friends around the US for several weeks and now I'm renting a room in a guesthouse in Portland, Oregon. This lifestyle hasn't been as cheap as you might think (travel tickets, restaurants, etc.), but it gives me a lot of mental freedom about where I could ultimately live and how I could organize my life, which is why I did it.

All in all I'm in a pretty good place, perhaps even teetering on the brink of happy simplicity. I think a good goal for me would be to work less than full time AND save half my income. Then I have more capacity to enjoy my life and to take steps toward better work, plus if I want to chuck it all at age 50 - or if I get sick and need to scale way way back - I can do that.

As part of this I want to try living in an intentional community (i.e. a commune) where reasonable rent, low food costs, spiritual practice and exercise (gardening, maintenance) are built in and socially enforced. So I'm looking for a good one on my travels.

Next step is to get a more detailed breakdown of my spending. Hope to post a case study soon over in the Ask a Mustachian board.

<waves>

Title: Re: Say Hi and Introduce Yourself
Post by: Wyobraska on May 01, 2013, 04:25:04 PM
Hi Guys,

I'm Wyobraska. I'm 33, and an aspiring Mustachian. I just found the blog a couple days ago, but since then, all I have done is read, read, read. I already follow a lot of the principles found here, but I have learned quite a bit in the last couple days.

I even opened my first brokerage account with Vanguard today. w00t! I already had my Roth IRA there (which I'm maxxing out), so adding a second account was a breeze.

Anyway, it's nice to meet everyone!

- Wyobraska
Title: Re: Say Hi and Introduce Yourself
Post by: dpw13 on May 02, 2013, 12:27:17 PM
Hello all!

I just found this website and forum a few days ago and think its great to meet like-minded people! I'm an aspiring Mustachian - not there yet.

About me:
28 / European, live in NYC, work in finance.

While my salary is good by national standards, living in NYC tends to negate most of this. I've got a relatively small amount of savings/401k balance, so working on this but eventually I want to own several income-generating properties.

Overall goal is to be financially independent so I can travel much more and work as I choose.

Looking forward to sharing advice and experiences!
Title: Re: Say Hi and Introduce Yourself
Post by: Guy Incognito on May 02, 2013, 12:45:31 PM
Hi everyone.  Lurker for a few months, first time poster.

Live in Houston, TX, 31yrs old, work in the Finance industry.  Income is quite variable and not super secure (some years great, some years not so great, and I'd even admit to being laid off once before).  Got one awesome 6-month old kid and one awesome wife who's at home with him. 

Net worth is about $537k, including $42k of home equity on a $200k home (basically just b/c I put 20% down) and the rest split between $80k in cash and $415k in ETFs.  Nervous about the high-flying market right now which is why I have so much cash right now earning 0.1%...lame.

Could certainly do better on our monthly expenses ($4k-$5k/mth), but made some progress in last couple months that should help...i.e., killed the last $7k on my wife's car loan, switched her cell phone from AT&T to Straight Talk, consolidated home & auto insurance, switched all our bulbs to CFLs, no more restaurants, etc.  Goal is $3k/mth of expenses and I know we can get there with some conscious effort.

Stupid things I am still doing --
(1) Paying $133/mth for Comcast cable + wifi + home phone
(2) Commuting 28miles 1-way to work in a 2004 car getting only 21mpg
(3) Owning a 2012 Kia SUV, purchased new (wife's car)

Anyway, glad to be here - enjoy this site a lot!
Title: Re: Say Hi and Introduce Yourself
Post by: EK on May 02, 2013, 02:05:57 PM
Hi!  I made my first post over in the Ask A Mustachian area, so I kind of already introduced myself, but I feel like a big mooch asking for help over there and not contributing anywhere else.

I've been reading MMM for a few months and lurking in the forums.  It's kind of an exact right message at the exact right time thing for me.  Back in January, I began actively trying to simplify a life that was starting to feel out of control in terms of consumption.  For the better part of my early 20's I spent a lot of money accumulating the basic "stuff" of adulthood- furniture, professional wardrobe, pots and pans, etc., and when I'd bought enough of that stuff to function well on a day to day basis... I didn't know how to to turn the spending off and it resulted in me pissing away a hell of a lot of money.  That, combined with an expensive move from Brooklyn, NY to Fredericksburg, VA has left me and my husband in our mid-20s with no money in the bank.

But, we've buckled down, pulled the spending into control, and now we're targeting a minimum 50% net pay savings rate. 

I must say, this is a remarkable little place of the Internet.  I'm shocked at the number of kind strangers here who have had the patience to wade through my wordy and complicated ask a Mustachian post- and also how kind and thoughtful those responses have been.

So hi.  I'm very happy to be here.
Title: Re: Say Hi and Introduce Yourself
Post by: MrChubbles on May 02, 2013, 03:11:53 PM
Hi,
MrChubbles here. After 11 years working as an Engineer in the UK and the Netherlands, I arrived in the US 17 years ago..essentially broke...due to a LOT of living beyond my means... :-) STILL not retired, but I COULD if I adopted full-on Mustachianism...although my significant other likes to live inexpensive cities..so I may have to go half mustache ;-{
Title: Re: Say Hi and Introduce Yourself
Post by: jenscaffidi on May 02, 2013, 05:29:18 PM
Hi! I'm Jen and I don't remember how I found this site (a few months back), but I can't stop reading. I've been on a personal quest to eliminate waste, kill my debt, and become more financially independent for the past few years, and the blog has been inspiring me by showing me additional ways to do those things.

Let's be friends.
Title: Re: Say Hi and Introduce Yourself
Post by: Abraxas on May 03, 2013, 12:57:28 AM
Good Evening.

I happened on this site by complete accident but am thoroughly digging the philosophy espoused here, as it mirrors several aspects of my own worldview. I've told my spendthrift friends and family all along: it's not about what you make, but what you save. Falls on deaf ears for the most part. They've forgotten how to use that large organ .....the one above the neck, I mean (assuming they ever used it in the first place).

I registered here because I wish to interact with individuals who possess faculty of mind where money's concerned.

 
Title: Re: Say Hi and Introduce Yourself
Post by: Keigan2cool on May 03, 2013, 01:52:17 AM
Hi,

My name is Keigan and I am an enlisted member in the United States Air Force.
I'm in a unique position because I am currently stationed overseas with my wife.
I basically get to see the world on the governments dime which is nice but as some of you are aware there are other things expected of us as repayment. I am currently finishing up my first tour overseas in Japan and I am also finishing my first deployment as I write this introduction.
Title: Re: Say Hi and Introduce Yourself
Post by: hybrid on May 03, 2013, 10:13:49 AM
Hi, my name is Chris and I chose the moniker hybrid for two reasons.  One, because our lifestyle is a hybrid between what MMM preaches (I have been called  cheap-ass on numerous occasions) and what MMM abhors. Also, because I am an avid golfer and hybrid reminds me that my passion also takes a lot of coin out of my pocket (so how can I be a cheap-ass?  I golf at a country club.)

The missus and I live in Richmond VA.  We bought our first rental house last year and have money in the stock market, we have a healthy 401K balance.  I am 46, she is 59, we have two kids and two middle to upper-middle class incomes and have been married 28 years.  Other than that, no debt except two years left on the hatchback on a 0% loan, so I am in no hurry to pay that off compared to the mortgages.  We are on par (pun intended) in better shape than many we know, but I would prefer to have no debts at all, retire earlier, and am looking very seriously at ditching some of the luxuries (golf, for starters) and throwing everything we can at the two mortgages and continue investing as we have.

Found this site after seeing the article in the WaPo and have been avidly reading ever since.  It speaks to me. 
Title: Re: Say Hi and Introduce Yourself
Post by: SoSouthern on May 04, 2013, 08:23:24 AM
[/font Hi all, My name is Lewis. Married with a 2 year old son. I came across MMM a few weeks ago after researching the Lending Club and noticed MMMs experiment with his investments popped up in Google search. His review helped me fund my account and purchase some notes.

I turn the big 30 this month. Yay me. I don’t know how I’m going to feel, but I have been looking back on my life trying to determine if I did it right, made bad choices, did I learn anything, and trying to figure out where to go after this major milestone in my life. After reading some posts on this site I felt I needed to join. MMM is doing what I said I wanted to do and he is proving that it is very possible and turning naysayers into believers.
Title: Re: Say Hi and Introduce Yourself
Post by: ScubaAZ on May 04, 2013, 11:51:39 PM
Hi all,

    I am a recent law grad and new attorney in Phoenix, AZ (loved MMM's post on Phoenix!).  I've been perusing the site for about 3-4 months now, and buckling down on my budget.  I just turned 30, have some savings from before law school (and sadly the $100k of debt it took to do it), and think its reasonable to retire around 40 (or at least have the option).  I'm mostly looking for inspiration from the other Mustachians. 

Title: Re: Say Hi and Introduce Yourself
Post by: nktokyo on May 05, 2013, 05:30:55 AM
Hi there. 31 year old living in Tokyo & FI for a little over a year. I used the MMM techniques and "escaped" before I knew this blog existed and just noticed these shiny forums. Excited to meet some like minded individuals. My thing is property so I'll probably hang out in the Real Estate area and see if I can't help some folks out. Keen to see how other people have done it (or are on the way to) - it's always good to lear new ways to stay off the hamster wheel.
Title: Re: Say Hi and Introduce Yourself
Post by: bayescraft on May 05, 2013, 07:17:32 PM
Hello. I am a non-prominent but active member in the LessWrong scene (http://lesswrong.com/) from which my user name comes. I'm an engineer. That's not uncommon here, but even more common there.

I enjoy building things, so I anticipate continuing to work. Thereby, I anticipate a graduated FI starting in a at least one year, where I'd be FI if I move to my ideal location, extending as late as four years from now. The long timeline is if I stay where I am (Los Angeles), so as you could guess, I've been doing this for a bit already.

Hopefully I can contribute to a more positive and deep community. I like the blog, but I have to say, in my experiences as a lurker, I've been disappointed by this community. Not a lot, but a little. Which means that I think I can make it better.
Title: Re: Say Hi and Introduce Yourself
Post by: aj_yooper on May 05, 2013, 07:36:30 PM
I recently started reading MMM (I'm a fan!) and am grateful for the humor, good will, and expertise on the blog; I wish I knew more of these ideas when I was younger, which is true of a lot of things, I guess.  My wife and I were never into consumerism and we are socially and environmentally conscious, but the blog and MMM has given me more motivation and validation.  We are retired (I am a late retiree at 62 while my wife retired at 52).  We love being our own boss of time and definitely believe ER or retirement is a very good thing.  We have a Vanguard stash, but I need to get ready for mandatory withdrawals and we enjoy learning how to be more efficient with our household expenses.  We are in an un-stuffing phase of our lives.  I enjoy reading the members' questions and it pleases me that many are starting out early. 

Thank you to Mr. and Mrs. Money Mustache and the MMM helpers for doing all this stuff-the blog, bulletin board, and personal appearances; you have helped many find their bearings and move to greater joy and personal freedom.  We all lucked out when you got to ER. 
Title: Re: Say Hi and Introduce Yourself
Post by: NoraMaha on May 06, 2013, 02:30:06 AM
Howdy howdy!
24-year-old female, located in Southern California.

I am a freelance artist and fine artist.
Stumbled on the blog while researching used cars.

Started reading around, and OH LORD this community is for me.
Making my "living" trading doodles for money has certainly taught me how to live creatively and frugally.
Title: Re: Say Hi and Introduce Yourself
Post by: golffan63 on May 07, 2013, 03:06:43 AM
Hi, I am a Mustachian wantabe!Stumbled upon it for the first time. From Southern Ontario Canada. Just me and my wife who is anything but a Mustachian. My life is good but need to curb spending and get myself out a jam. I made a post yesterday and despite several viewings no one has offered advice to date. Love the site so far and look forward to it  helping us in the future!
Title: Re: Say Hi and Introduce Yourself
Post by: acroy on May 07, 2013, 01:50:47 PM
Howdy from cool & sunny North TX!
Long-time living a MMM-lite life, found the site a couple months back, finally got round to registering.
About me:
-Married, 35yrs old
-5 kids (a 'handful'!) 7-4-2(twins)-1
-no debt other than 30yr note at 3.75%, 130k balance on 180k house
-100k income, lower management @ a food-related company
-450k assets between 401k, ira, and savings
-saving about 45k/yr, living on about 45k/yr
-Biking has been the primary form of transportation my entire friggin life!
-but I still have 3 cars ....
-NEVER any debt (other than mortgage); paid for Engineering degree myself by mowing thousands of friggin lawns, etc.
-Been living a frugal lifestyle since forever. I am fortunate to be genetically repelled by most expensive things. Except cars... damn you Porsche and your kin.

Living a 'well below our means' but not quite 'badass MMM' lifestyle. We have a few luxuries like the 33,000 gal inground pool (makes Texas summers very nice); 3 cars for no good reason other than 'cause I'm a dumb gearhead, and occasionally we buy more clothes than really necessary from the thrift store.

Cheers all, looking forward to bouncing about the forum a bit.
Title: Re: Say Hi and Introduce Yourself
Post by: alex on May 07, 2013, 08:33:44 PM
Hi, my name is Alex.  I live in West Palm Beach.  I'm the guy who made the U.S. Version of the retirement spreadsheet (a while back).

I’ve got a new web-based tool that estimates your savings over time based on your budget.  It’s still in early beta at this point, but I would love to get some feedback.   Please let me know what you think! 

Check it out here: http://forecast.calcitout.com (http://forecast.calcitout.com)
Title: Re: Say Hi and Introduce Yourself
Post by: Mayan on May 07, 2013, 10:22:48 PM
Howdy all.  I'm pretty new to the blog and figure the community will be a nice motivation booster.  I'm 25 and in many ways already live in line with Mustachian principles (debt free, bike to work most days, cheap hobbies) but there are certainly some areas I can improve on.  My goal isn't early retirement per say, but to transition to working in an area of my profession that I love.  It will likely require more school and has limited opportunities for lower pay than I make now.  Living frugally and building my 'stash right now will go a long ways towards making that happen!
Title: Re: Say Hi and Introduce Yourself
Post by: kk on May 09, 2013, 07:57:28 AM
Hello all.

I am Karunesh Kaushal, 23yo. I live in north India as of now but will be shifting (most likely) to Mumbai in a few months. No girlfriend, unmarried. Having some gluttony and laziness issues, nothing too much, but enough to put on some extra weight :-)

I have some savings, substantial by Indian standards for middle class kids of my age, but not enough to buy some real estate. Maybe I will do that later. I think the reason for having saved till now is because I have been living with my parents, and though they have not read this blog, they are Mustachians in every sense of the word.

As a kind of hobby, I like to go through different blogs once in a while, and read a whole blog within a few days. This time, MMM is the one I will be reading. And this one seems the one with the most bang for my time. The comments at posts are really helpful too.

Loved reading posts here on this forum.
Title: Re: Say Hi and Introduce Yourself
Post by: phillyfilly on May 09, 2013, 08:07:28 AM
Hi, everyone!

I found this site through the Washington Post article, and it really intrigued me. I'm 22, finishing my final semester of college, and hoping that implementing some of the lifestyle changes shared on this site will help me become financially secure once I enter the "real world."
Title: Re: Say Hi and Introduce Yourself
Post by: Mr. Minsc on May 09, 2013, 08:11:10 AM
Hey all!

My name is Kevin, 31, and born, raised and residing in Prince Edward Island, Canada.  Through one way or another I found my way here.

Being what I suppose you'd call a late bloomer in life I didn't step far away from the family dairy farm until I was 25.  That's when I went out and did my plumbing apprenticeship and began catching glimpses of life beyond my doorstep.  During this time I started getting caught up in the "status quo" mindset but something about it never set right with me.

Here I am, financial goals to clear off.  The first is to streamline my spending.  Thanks to MMM and other awesome financial blogs I'm developing new spending habits.  Debt wise, I've bounced between slightly under and over spending so it more or less balanced out.  There's about $99K left on my mortgage.

There's changes I want to make but as you know it can be difficult with out motivational support.  It's difficult to find it within arms reach so I'm casting my net out to the world wide ocean. :D

While I don't personally like to grow actual moustache I do hope to grow one in my mind. ;)
Title: Re: Say Hi and Introduce Yourself
Post by: Shzasaver2 on May 09, 2013, 10:05:53 AM
Hi!
 I made my first post over in the Rental Propterty forum, so I kind of already introduced myself, but I feel like a big mooch asking for help over there and not contributing anywhere else.

I've been reading MMM for a few months and lurking in the forums.

I love all of this and hope to streamline our lives even more then we have. 

We are 5yrs from FI, maybe earlier, and looking forward to it.

M
Title: Re: Say Hi and Introduce Yourself
Post by: brokeresident on May 09, 2013, 12:25:43 PM
Greetings!

I'm a 4th year medical student who is graduating and will be starting pediatric residency next month. Looking forward to actually getting paid rather than paying to practice medicine :)

I found MMM awhile ago after reading several blog posts and have adapted some frugal techniques to try limiting my expenses. I'm glad to see there's an active forum of like-minded people with whom I can discuss these things :)
Title: Re: Say Hi and Introduce Yourself
Post by: CU Tiger on May 09, 2013, 09:16:36 PM
I am 48 and my husband is 49. He has an IT job making $120,000 and I am an administrative assistant making $41,000. He loves his job and I...do not.
We have $20,400 left on our mortgage and expect to pay it off within the year. We have no other debt. Our net worth is about $650,000 including 401ks, Roths, and after tax investments.
I thought we were doing ok, comparing us to the average American. Compared to MMM and the hardcore savers and investers here I now see that there is a lot more we can do.
We have no children, but do have two funny dogs. We love them and they bring a lot of silly fun into our lives.
Years ago we took Dave Ramsey's Total Money Make Over. We did not have debt but the course taught us to communicate about finances and make plans to grow our assets. I look on this blog and forum as two great new tools to live smart and retire more than comfortably, whether we retire at 52 or 62. I am glad I found this place while googling YMOYL, a book I read years ago.
Title: Re: Say Hi and Introduce Yourself
Post by: Kibryant on May 10, 2013, 12:14:47 PM
Hi, all!

Kathleen here, living in Arlington, TX, squashed between Dallas and Fort Worth. I'm a newbie on the forums but have been following the blog for a good while - I figure it's time to stop lurking and join the conversation.

Just bought my first bike for my work commute, and am in the process of unloading the 5-year free-loading, money-blowing boyfriend so I can focus on building my financial future in earnest. My current financial status is somewhat bleak (Dare I say nonexistent? No 401k, all of $1,600 in savings, $1,400 car loan, and a few thousand in student loans), but that should change substantially in the next several months when he finds a job and moves out. It's sobering how fast my 52k/year has disappeared supporting two people and two cats.

Fortunately I've got plenty of time - being 25 and ambitious means there's plenty of time to get my at together! Looking forward to learning and growing with all the folks here on the forum.
Title: Re: Say Hi and Introduce Yourself
Post by: rebeltoconform on May 10, 2013, 02:18:28 PM
Hi everyone!

My name's Ray in Ferndale, MI - currently a very up-and-coming suburb on the outskirts of Detroit.

My financial situation:

Mortgage: 72,400 @ 5% ($800/mo)
Car lease: $300/mo for 33 more months

Salary: 30K plus overtime (this has averaged to an extra $10K/year)

And that's it - no debt and no savings. I grew up mostly frugal, and a job in video post production taught me the evils of consumerism. When I decided to trade in my paid off used Hyundai for a new Ford Fusion in February, I didn't realize how much I would regret it. Now that I have embraced Mustachianim, I am considering both a refinance on my mortgage to get that paid off quicker and/or trading in my lease, incurring whatever penalties come with it, and buying a reliable used car.
Title: Re: Say Hi and Introduce Yourself
Post by: freerider156 on May 10, 2013, 09:37:04 PM
Hi. My name is Mike and I live with my wife in Portland OR. We have a daughter who was born a week ago and we're looking to get out of debt and work towards and early retirement. We are a one income family and have a lot of student debt, so we're trying to figure out the best way to go about paying things off, saving for a down payment on a house and to start saving for retirement. I am very new to MMM so i am just trying to read through the articles and get some encouragement and ideas as we move forward.
Title: Re: Say Hi and Introduce Yourself
Post by: Not Fully Baked on May 11, 2013, 10:21:05 AM
Hello All from Vancouver Canada,
Just joined after a few days of appreciative reading and badass action planning. So grateful to find this resource and community. As a family, we've got a long way to go. MMM will be the homebase.

Cheers all. Thank you.
Not Fully Baked (i.e. always learning and growing)
Title: Re: Say Hi and Introduce Yourself
Post by: PolymathPaul on May 11, 2013, 12:16:47 PM
MotelyFool seems geared more towards those who want to be rich by the time they retire, not people who want a long life of retirement, so I decided the MMM spot was more for me.

I took my time to finish college, and luckily avoided too much debt, but at almost 30 and just recently getting my first stable job with a real income, I've got some catching up to do.
Title: Re: Say Hi and Introduce Yourself
Post by: OnMon on May 11, 2013, 12:38:03 PM
Hi! I'm a 30-year old RN in Chicago, married, renting, no kids. Current assets: $36K in a joint savings fund for a future home down payment; $16K in my rollover IRA from an old job; $15K in my work 401K; $9K in my husband's 403b; misc CDs, savings bonds and investment accounts at prolly $19K in total. Current debts: Student loans! $21K at 6%/15yr; $8K at 5.45%/10yr; $30K for my husband at 4.35%/30yr. We currently both save way more than we did in our 20s, largely due to higher incomes and no changes in expenses, but still pretty low compared to a mustachian ideal (maybe 20% or so, prolly a little higher if you count after-tax pay that we throw at our loans). Our debts are grating on me (I still don't know if it was the right choice to go back for my Accelerated BSN at $90K instead of an AD which I probably would have paid through school at about $30K - but eh, what does regret buy you?) and I've been dreaming of FI, oh, since my godfather gave me a copy of "Rich Dad, Poor Dad" when I was 22. Obviously, though, I'm flighty when it comes to implementing FI! Mostly my dream of FI involves being a part-time parent, free to take sabbaticals doing things like WWOOF (http://en.wikipedia.org/wiki/WWOOF) or volunteering my skills internationally as a nurse. I do really love my job, the flexibility and freedom of nursing employability, so I can totally see myself as a part-time worker (non)drone until age 50 or 65...but maybe if we work on it, I'll be our sole income earner during that time, and my husband can be free to pursue his renaissance-man dreams of radio production or teaching schoolkids how to build computers. Or I'll volunteer my experience and time to work on changing the U.S. healthcare system for the better! I come from an upper-middle class family & both my parents are in their 70s, so that's how we've come to have random assets in the middle of our debts, though what we should do with those assets leaves me scratching my head. In this low-interest rate market we've been working on buying, but I'm bummed about adding more debt to our load by buying, and Chicago still doesn't seem to be an equitable market comparing our rent to ownership costs - not to mention the choke-hold of low availability right now (so NOT a buyers' market, when the lack of properties on the market is leading to bidding wars on the piddling stuff available).

So yeah: to sum up, I'm a do-gooder and daydreamer who is hoping that working toward FI will take us to a happy place in 10-20 years or so, or maybe even sooner. I'm inspired to do better on saving (switch out my Trader Joe's frozen meals for something like Jacob's lentil soup (http://earlyretirementextreme.com/cooking-for-6-days-in-30-minutes-for-less-than-4.html) as a work lunch, maybe?) - I already bike to work, shop at thrift stores, wash hair with baking soda, have a $15/month prepaid cell plan plus Google voice...but I know I can do better, and I long for a day when my husband will also be more motivated to make his lunch & take public transit to work. Hi!
Title: Re: Say Hi and Introduce Yourself
Post by: lbdance on May 12, 2013, 01:26:12 AM
Hi All
Another Kiwi joining the forum. I found MMM approx 2 months ago and spent the first month catching up on all the posts. Had been on a plan to more aggressively pay off our mortgage and have never had any other debt. However I had never thought about aggressively saving to ensure that we could achieve early retirement. MMM opened my mind to this, and subsequently I have got my significant other somewhat onboard. He leaves most of the most stuff to me :)
Slowly working my way round the forum - nice to meet you all
Title: Re: Say Hi and Introduce Yourself
Post by: Tammy on May 12, 2013, 05:14:19 PM
I'm Tammy. Been following the blog for a long time. New to this area of the site.

Live in phoenix. Work as psych nurse. Ride my bike a lot and it makes me happy.

Anybody know if theres a smart phone app for the forum?
Title: Re: Say Hi and Introduce Yourself
Post by: factminder on May 13, 2013, 11:58:52 AM
Hi, I'm John,
 
trying to read between the lines and mind facts vs. opinions.
* Even if you on the right truck, you will get run over if you just sit there.(Will Roggers)
Title: Re: Say Hi and Introduce Yourself
Post by: Itchin4Scratch on May 13, 2013, 08:20:23 PM
Hi everybody!!!  We became a family of 3 last year, and my "hubby" and I are approaching the end of our 20s this year.  I just discovered the MMM blog in December, and I am halfway through reading it.  Unfortunately, I haven't even THOUGHT about getting serious with money or retirement until our son was born, and my hubby is still not serious.  Throughout our 20s we also experienced terrible financial hardships, all that could have been avoided if we were given any tiny little bit of financial management lessons. 

Now, I'm learning things way too late, and I am furious that our school systems and colleges don't require any classes in these skills.  Financial management is extremely important to learn!!!!

I'm going to start a journal blog now, and I am excited to meet other Mustacians and learn from the best!!!!  :)  Thank you so much for this blog!!!!
Title: Re: Say Hi and Introduce Yourself
Post by: GrayGhost on May 13, 2013, 09:57:46 PM
Hi everybody,

I'm currently a student in the NYC metro region, and upon graduation, I will be commissioned as an officer with the military. My commitment with them is four years; after that, I'll be free to stay on or go on my own way depending on my wishes.

I'm very responsible with what money I have so far, as I am able to max out my IRA, pay rent in one of the most expensive places to live in the US, and sustain myself.

I intend to buy a house wherever I'm stationed, for the most part, and then rent it out once I get stationed somewhere else.

I've got a couple hobbies, but for the sake of privacy, I'd prefer not to discuss them.

I look forward to learning more about how to live frugally and happily, and I am glad for any advice that comes my way.
Title: Re: Say Hi and Introduce Yourself
Post by: KiwiMust on May 13, 2013, 11:56:51 PM
I'm Heather, 37, living in New Zealand, not married, no kids, no debt, but not much else to my name either.

I have always lived semi-mustachian (always paid off credit cards monthly, walk everywhere possible, which in my case includes work and everywhere else I need to go regularly (I have now started cycling those places that were a bit too far to walk) and have ancient low fuel car (not that it gets used much, just can't seem to give up the convenience), but somehow still managed to spend ridiculous amounts of money (I couldn't tell you what on).

I miraculously somehow had enough money to take four months off over summer (anyone living in NZ will know this was the best summer ever), this was not exactly by choice, but when my contract finished I decided not to panic until February when, happily, a new contract was given to me, and it made me realise there is a lot more to life than work. The last couple of months while getting through the MMM blog, have got me excited about every extra dollar that comes my way, dividends that before I would have ignored, I am now gleeful about, it is quite amazing how much money comes your way when you start taking notice of it.

To be honest apart from rent and house expenses (shared house, so fairly low) all I spend my money on is food and drink (slowly weaning myself off the excessive nights out). I have no interest at all in shopping anymore and am selling my excess stuff online, while previously I would have thought it not worthwhile, now I am loving watching the dollars come in.

Property prices here are crazy high at the moment, so my plan is to save hard and when it becomes more reasonable, or at least there is decent choice, buy. If anyone can advise on where to put my cash in the mean time, that would be fantastic, currently have some shares, but looking putting any new savings into Smartshares after reading other Kiwis' discussions.

I have never, ever read a blog from beginning to end before, this has been enlightening and although I am a little jealous of those in their twenties who have seen the light already, I am so grateful to have got there now rather than in ten years, or never.

Thanks MMM!
Title: Re: Say Hi and Introduce Yourself
Post by: SkinnyGreenMan on May 14, 2013, 01:16:10 PM
Hi Everyone!

I'm Scott, 24, from California.

I've been a lurker for a while, and I feel like I should probably just go ahead and introduce myself.  I started reading the blog a while back while trying to optimize my finances, and was hooked from the start.  I did the whole "start at the first article" thing and just plowed straight through all the posts in a few weeks.

Low-cost living is not new to me.  I'm a recent college graduate, and basically lived quite frugally while in college to keep student loans down.  After I graduated, I was hired by an institution within walking distance of the college I went to, so I basically decided just to keep living with my roommates and maintain my low expenses for a while.  In fact, I rode the bus to work and didn't even buy my first car until I had saved up enough to buy it outright.  I've always paid credit cards in full each month and built up a great credit rating while in college.

I graduated two years ago.  Living cheaply since has paid off.  After one year my student loans were gone, and after the second year, I had saved a down payment for a condo nearby.

I found MMM a few months before I had finished saving my down payment.  After I digested the whole idea of FIRE, I was able to attach a goal to all the savings and groundwork I had laid so far.

I'm currently in the process of moving out from my rented apartment and into my new home.  My intention is to rent out my spare rooms to college students (currently to people I know and lived with as a roommate for the last few years.  I'm still connected to the student community in general, so chances are I'll be able to find people wanting the rooms for some time).  I estimate I can cover more than 2/3 of my mortgage from the two spare rooms.  This is a temporary lifestyle for me while I build my net worth.  But even years down the line, when I'm ready to move on, I very well may keep the condo and just rent out all three bedrooms.

Once I get through the whole financial whirlwind of buying this place, I'll start investing through Vanguard and my job's retirement accounts.  My goal is FIRE in 10 years, at age 34, since that's what my calculations tell me is the most appropriate.

I think my path is pretty much set for now, but I look forward to learning and improving my short-term and long-term way of life on the cheap as I go, and I look forward to participating in this great community!
Title: Re: Say Hi and Introduce Yourself
Post by: warpgirl on May 14, 2013, 03:25:43 PM
Hi, I'm Sarah. I work in DC and I'm married to a frugal guy, but it took finding MMM for me to fully get on board and get serious about saving everything we can!
Title: Re: Say Hi and Introduce Yourself
Post by: FrugalAussie on May 14, 2013, 08:18:40 PM
Hi.  I'm an Australian, from the West coast where the average cost of a home is $450,000 to buy, about $1800/mth to rent, and food, especially compared to the USA is expensive, so reaching early retirement is that much more difficult.  I'm enjoying life now my kids are independednt (well one is, the other's taking his sweet time, he gets way too much financial aid from me but that's going to stop soon) after being a sole parent for 17 years.  I'm frugal but am going to step it up a notch so I only need to work when I feel like it ie. when the job is inspiring.  My preference is 2 days per week, to get the perks of employment without the BS. I also do contract work - organisational development and training, which pays well.  BUT I have enough FU money to last about 5 years, then I could sell a rental which would buy me another 5 years, then my supannuation kicks in for another 5 years, then the Age Pension if it's still around when I'm 67. Being frugal and financially literate are the two tools that got me ahead.  Then three years ago I meet a fellow Mustachian, together we really kick ass so he's looking to retire in the next couple of years also, something he wouldn't have considered without my influence.  We're a great team and have so many plans that we'll never find retirement boring. 
Title: Re: Say Hi and Introduce Yourself
Post by: exranger06 on May 15, 2013, 10:27:36 AM
Hi I'm Jon. I live in CT and I'm 25 years old. I like to think I'm very good with money, even though I still have some very anti-mustachian habits. I enjoy reading personal finance blogs among many other hobbies. I'm currently helping my fiancee get out of debt and trying to improve her spending habits. I'm also trying to save up money to buy a house.
Title: Re: Say Hi and Introduce Yourself
Post by: mgbrin on May 16, 2013, 10:15:35 AM
Hello, I'm Marvin, 52 and live in Lincoln, NE.  Discovered MMM from the Washington Post article.  Where have you been all my life?!?!?!

At any rate, while I don't have much debt (mortgages on two rental houses, a small business debt of $2k), I really have nothing else to show for my 30+ years of earning.  I'd put my net worth under $100k with the houses.

But, most importantly, my wife and I have agreed to follow Mustaschianism and are working on constantly optimizing our lives towards it.  Our incomes are modest (62k for me, 24k for Mrs Marvin), but I am looking forward to begin saving a large chunk of our take home pay ASAP.   For instance, my daily commute is 10 miles RT, I'm looking at trying to bike it.  My wife's is 6 miles RT, and so far we are trying to carpool even though our hours don't mesh up that well.  We plan to move closer to her work so she can walk, and hopefully get to a place where my commute would be no more than 6 miles RT and on bike routes. 
Title: Re: Say Hi and Introduce Yourself
Post by: PCRepairCat on May 16, 2013, 10:31:43 AM
Hello everyone,

     I'm Josh, just about to turn 30, and I'm certainly interested in cutting the day job loose early so I can focus on writing full-time.  No debt, but a fairly useless generic English B.A. and I'm still working on getting certified to prove my PC necromancy (repair) skills aren't ethereal.  Then I hope to jump to a job that pays more than 17k so I can save a greater percentage of my income.

      Twitter brought me here, and I hope to use Mustachian lessons to frugal my way to a better life.
Title: Re: Say Hi and Introduce Yourself
Post by: catccc on May 16, 2013, 12:38:25 PM
Hi, I'm 33, married, w/ 2 kids, living in bucolic Southern Chester County, PA.  Spouse stays at home with our DDs, ages 4 & 2. 

Our current stash consists of 243K in retirement accounts, 133K in cash, and 31K in other investments (mutual funds).  No debts.

My salary is 88K/annually, and my PY bonus (paid in March of this year) was 6K, so our income is about 94K.  This year, the plan for that 94K is:
5K- benefits (medical and dental)
15K- taxes
28K- retirement (we max my 401K and both our Roth IRAs)
6K- non-retirement savings
40K- other living expenses

Our expenses last year came to a whopping 49K.  Big ticket items included multiple family vacations- Turks and Caicos, a New England Road Trip, and the Holidays on the West Coast.  Other than travel, we live pretty frugally.  Before kids we did a lot of backcountry camping and traveled internationally about every other year.  We've always loved travelling, but this year we will learn to be homebodies.

Trying to cut it down on expenses a lot.  I am hoping to stay below 40K this year.  Would love to bike to work (about 10 miles) but need to learn to bike/work up to that.

Why so much cash?  We are currently renters, but looking to buy in the future.  We have very specific land desires and would like to buy in the 300K range so we can easily pay off in 15 years, the cash will a giant down payment to assist with that.

Would love to be financially independent by 45, that is 12 years away!  I actually had previously set 48 as my goal (15 years away, nice round number) but I wonder if we can speed things up a bit... I  also post a early-retirement.org, but I love the more "extreme" ways of mustachianism.
Title: Re: Say Hi and Introduce Yourself
Post by: RMD on May 17, 2013, 08:07:14 AM
HI, I'm RMD.  I arrived here from some posts on the Family Finances board on Baby Center.  :)  I've been reading for a while and finally decided to jump in.  Learning a lot, solidifying stuff I already know and haven't put into to practice.  Glad to have found a community of like-minded people!

Oh...and I'm 42, married with one son- age 5.  I'd love to retire in 5 years...but the spouse isn't entirely on board with the concept.
Title: Re: Say Hi and Introduce Yourself
Post by: workathomedad on May 17, 2013, 08:19:12 AM
I'm 30 and work from home. My "job' recently took a big pay cut, and I'm looking to reduce our family's expenditures down to at least 30-40k/year to start. I haven't actually kept a budget, but estimate in the past we've been spending 80-120k/year without realizing where the money actually went.

After reading MMM I've had the motivation to stop buying new stuff. Just with this simple step, I think my spending will be reduced to ~70k/year.

My largest current expenditures are:

My first step will be to list one of the owned vehicles for sale. I then plan to list the second. I believe I will be stuck with the lease as I entered the contract only 1 month ago before reading MMM (d'oh).
Title: Re: Say Hi and Introduce Yourself
Post by: Heather in Ottawa on May 17, 2013, 08:41:34 AM
I'm Heather... 38, married, no kids, but a clowder of stray cats I collected along the way. Finally settled in Ottawa, no mortgage (thanks to many years of moving around Canada renovating as we went). Looking forward to earning a predictable income now and cruising towards FI, ETA about 8 years from now. I love biking, board games, and interesting adventures. I have a natural frugal streak in me, and reading this blog and forums is definitely helping me to develop it to a whole new degree of badassity!
Title: Re: Say Hi and Introduce Yourself
Post by: Ms Prosperity on May 18, 2013, 05:20:27 AM
Hi from Australia! I just found this site last night, and haven't read all the blog posts yet, but intend to work through them slowly.

I'm engaged to my partner, we have three kids together and we own our house outright. We're mostly good at cutting back on things, but there are a few more bad habits we still need to get rid of. I look forward to getting to know everyone.
Title: Re: Say Hi and Introduce Yourself
Post by: Chowder on May 18, 2013, 07:08:37 AM
Hi, I'm 24 and finished school with 6 figures of student loan debt.

I've been reading for a while and I'm already putting 60% of my income towards my loans. I'm also constantly trying to optimize my payoff strategy and the latest numbers should have me to a positive net worth in 4 short years...
Title: Re: Say Hi and Introduce Yourself
Post by: rubybeth on May 18, 2013, 08:10:03 AM
Hello all! I'm Beth, early 30s, married, live in Minnesota, and have only 5 months left until we are debt free ($52k in student loans; necessary degrees to get our jobs). After finding MMM a bit over a month ago, I realized that we are much closer to retirement than I ever could have hoped. We are already pretty 'mustachian' without realizing it, much of which I learned from my parents, who are financially independent but still work because they enjoy it (both part-time, and my dad has his own business he runs from home). Looking forward to reading more of the forums and chiming in when I have something useful to add.

I'll leave you with one of my favorite quotes: "You're not stuck in traffic, you are traffic."
Title: Re: Say Hi and Introduce Yourself
Post by: geekette on May 18, 2013, 01:43:34 PM
Just found this place a few days ago - about the time my DH got laid off (wah wah).  I can't say he was happy in that job, but it sure beat looking for a new one...

Thankfully, we've always been frugal and have no debt and a low 7 figure net worth, including about 800k invested, plus our paid off house.  I would almost consider us at the FI point, but the sticking part is health insurance.  Early 50's and each of us have a history that makes insurance companies quake (we're both quite healthy, but they still don't want us).  I'm hoping the next couple years will allow us to get coverage outside of him working.

Title: Re: Say Hi and Introduce Yourself
Post by: grantmeaname on May 18, 2013, 03:03:43 PM
Just found this place a few days ago - about the time my DH got laid off (wah wah).  I can't say he was happy in that job, but it sure beat looking for a new one...

Thankfully, we've always been frugal and have no debt and a low 7 figure net worth, including about 800k invested, plus our paid off house.  I would almost consider us at the FI point, but the sticking part is health insurance.  Early 50's and each of us have a history that makes insurance companies quake (we're both quite healthy, but they still don't want us).  I'm hoping the next couple years will allow us to get coverage outside of him working.
Could this be the time to downshift and do something else that's entertaining, if you don't need to accumulate any assets and just need health coverage? What about an adjunct professorship at a business school, for example? (Obviously that's dramatically limited by the specifics of the situation, though.)
Title: Re: Say Hi and Introduce Yourself
Post by: geekette on May 18, 2013, 03:13:12 PM
Just found this place a few days ago - about the time my DH got laid off (wah wah).  I can't say he was happy in that job, but it sure beat looking for a new one...

Thankfully, we've always been frugal and have no debt and a low 7 figure net worth, including about 800k invested, plus our paid off house.  I would almost consider us at the FI point, but the sticking part is health insurance.  Early 50's and each of us have a history that makes insurance companies quake (we're both quite healthy, but they still don't want us).  I'm hoping the next couple years will allow us to get coverage outside of him working.
Could this be the time to downshift and do something else that's entertaining, if you don't need to accumulate any assets and just need health coverage? What about an adjunct professorship at a business school, for example? (Obviously that's dramatically limited by the specifics of the situation, though.)
Interesting thought, but not for him.  He's great one on one, but never in front of a group.  He's more the "stick me in an office, give me a buggy program, and I'll fix it" type person.  Neither of us is good at thinking outside the box, but you're right, there should be something out there, and we do have the freedom to wait for it.
Title: Re: Say Hi and Introduce Yourself
Post by: Tesseljoan on May 20, 2013, 04:20:34 AM
Hello everyone! I'm Tessel and I'm an idiot, as I managed to accumulate 55000 euro in student loan debt... In the netherlands, a country where higher education is so subsidized, a student loan this high is a feat in itself. Stumbled on Dave Ramsey two years ago, and decided to get rid of this debt as quickly as possible. However, finding MMM was such an eye-opener! With Ramsey frugality feels like a chore, and not like you can lead a rich life while getting out of debt. Now we enjoy making ht emost out of what we have and slowly but surely we plow through the debt and save a bit of money.
Title: Re: Say Hi and Introduce Yourself
Post by: SimpleMama on May 20, 2013, 09:30:00 AM
I guess I posted a long intro with a question in the general discussion but I'm a middle aged mom who is working hard to live on a budget.

I wish I had found MMM way of life a long time ago. I want to relieve stress off my husband, and while he may not be able to retire too early, I'd love to see him enjoying an earlier one than some of his peers.
Title: Re: Say Hi and Introduce Yourself
Post by: audrey on May 20, 2013, 12:17:56 PM
Hello.  I'm another one who came over from the Washington Post article.  DH and I live in Northern VA.  He is 39 this week and is in a job he doesn't really like, but pays really well.  I'm a 36 year old stay-at-home mom with two kids, ages 11 and 8.  I'm half way through a master's of library science program, but wondering if it's worth it in the long run since I really enjoy being a SAHM.  I was offered a job as a librarian's assistant in December and decided not to take it because I really love staying home with my kids and getting to do what I want to do when I want to do it (I volunteer regularly in a library so I get to decide when I help out).  I'm glad that my DH works hard for our family, but at the same time, feel guilty because he doesn't like his job and I love mine.  I wish I would have discovered this way of living right after we were married and before we had kids, but alas, some things are not meant to be.  I'm trying to let go of my regrets as I know there's nothing I can do about them now.  We're trying to figure out ways to cut our spending to save more money so DH can retire earlier.  I've been devouring the MMM blog since I discovered it a month ago and finished reading all the posts today.  I have a list of things to do and I'm excited for the journey, even if it seems daunting at times.
Title: Re: Say Hi and Introduce Yourself
Post by: Albert on May 20, 2013, 01:29:47 PM
Hi,

I'm 35 year old man currently originally from Latvia and currently living in Switzerland (previously 8 year in US). Found this blog a week or two ago by reading MSN. I love my job and don't wish to retire any time soon, but many of the ideas expressed in this blog are close to my heart. Being careful with money must be in my nature - I've never had any debts in my life, not even a mortgage. On the other hand I don't have huge amounts of money saved either...
Title: Re: Say Hi and Introduce Yourself
Post by: MJ on May 20, 2013, 07:51:37 PM
Hi,

I'm MJ. I've got 4 rental properties that pay for my current house, but my wife and I both work like dogs for The Man. Cars are paid for - and we save a lot - but we spend a lot, too. I love the idea of spending less in order to work less. Hoping to learn more about it here... and maybe convince the wife, too.
Title: Re: Say Hi and Introduce Yourself
Post by: Lennart on May 21, 2013, 08:33:14 AM
Hi,

I'm 21 and studying Civil Engineering (on my way to getting my Master's Degree at the age of 25). These past days I've been pushing the 'random article'-button to the limit, after being referred here by LifeEdited (http://www.lifeedited.com) (which is a great blog and a recommendation for every Mustachian). Since I'm getting mostly articles I've already read, I decided to join the forum to get even more tips 'n tricks.
Title: Re: Say Hi and Introduce Yourself
Post by: Stranger on May 21, 2013, 09:17:24 AM
Hi there,

I'm 29 and an accountant. My spouse is a psychologist. We're working on beefing up our work experience and professional credentials so that we can go hard for the next five years or so, and then have kids and reduce our work to part-time in our forties.

The good: We're debt-free, own our cars, and have a healthy amount saved up through savings and a few small windfalls.

The bad: We're still fighting trying to break bad spending habits. For her it's clothes, for me it's gadgets and entertainment. We're anticipating the need to take in (i.e., house and feed) my parents in the next 10-15 years as they have nothing saved and are spendthrifts with inconsistent income streams. That's going to be tough.

I'm glad I found this blog and this community, I've decided to join the forum to share and gain wisdom.
Title: Re: Say Hi and Introduce Yourself
Post by: MissGina on May 21, 2013, 09:37:42 AM
Hi All,

I'm a tax specialist and soon to be CPA with no debt. Right now I save $2,500 a month and live off around $1,000 a month. I'm hoping to continue my savings rate, but I'm a little unsure of kids right now (age 33). If no kids, I should be retiring in another 15 years MAX!

Title: Hello
Post by: Mozactly on May 22, 2013, 05:49:35 AM
Hello everyone.

I've been reading the blog nonstop for the last couple of weeks after seeing the story in the Washington Post.

I grew up in a frugal family, so find myself with minimal student debt a year after getting my M.S., no car loans and a savings account for cushion.

I thought I was badass until I started reading the blog and these forums. I hope to learn more to reduce my spending and increase my life enjoyment.

Look forward to the discussions!

Title: Re: Say Hi and Introduce Yourself
Post by: blinx7 on May 22, 2013, 09:55:04 AM
Hi,

I am a 28 yo living in the Boston area and a lawyer (married with a baby coming soon).  I have always had the temperment of a saver but recently got a little more spendy after getting a corporate job with lots of hours.  I am trying to cut back now and get back in my old ways so I don't get sucked into a certain lifestyle, and a certain job to maintain that lifestyle. 

I love the philosophy of this blog because it goes beyond traditional investing sites (like Bogleheads, which is great in its own way) and hits a number of seperate passions for me.  First, there's no need to spend lots of money to have a satisfying and fun life.  Most of messages our consumer-driven and advertising-saturated society has thrown at us are, pardon my french, bullshit, and need to not only be actively ignored but vocally resisted.  Picnics rule, Gucci drools!  Second, consuming less is not just good for your wallet but good for the planet -- you don't need to buy a new Prius to protect the environment, you can just hop on your bike!  Third, income - expenses = freedom.  Freedom doesn't mean working 60 hours per week for 40 years to buy a fancy house in Palm Springs and sit on your yacht.  Freedom means having the time to pursue your passions without needing to worry about paying the bills or what other people think.  Love it.

Title: Re: Say Hi and Introduce Yourself
Post by: ioseftavi on May 22, 2013, 01:17:43 PM
Hi folks. 

I'm 28 and considered myself "above average" as a saver and investor, given that I had been saving something like a fourth or a third of my income since graduation (mostly in the form of retirement accounts, plus some after-tax savings).  However after stumbling on this blog, I see that I can do even better still.  I aim to try!
Title: Re: Say Hi and Introduce Yourself
Post by: gardenarian on May 22, 2013, 03:19:35 PM
Hi, I'm Gardenarian. I'm a librarian and I like to garden.
Title: Re: Say Hi and Introduce Yourself
Post by: exitstrategy on May 22, 2013, 07:42:06 PM
Appreciate the thoughtful blog, and the great discussion in the forum. 

My husband and I are ~40, 2 kids...used to be very frugal, but got a bit too spendy the past few years because it was easy.
We own a business, so don't always have a regular salary amount (for better or worse), but have also been diversifying into owning investment properties (commercial and residential).  A slow year last year while simultaneously making a property purchase means we've spent almost all of our cash reserves...but the good news is we spent the few years prior focusing on paying off debt: retired $60k in student loans and $30k in HELOC.  No car loans or CC balances, but mortgages on residence and investment properties.

Happy to be here, am sure I'll learn a lot!
Title: Re: Say Hi and Introduce Yourself
Post by: DebtBaby on May 23, 2013, 02:07:12 PM
Hello :-)

I'm 24 and from a north east USA small state that everyone seems to love to hate (well, maybe just NYers). Currently, I am residing in Atlanta.  My mantra up until recently has always been "go big or go home." While that mantra has definitely helped in other areas of my life, it never helped when applied to my finances.

Graduated undergrad with a little over 100k of debt (ah, to be young, dumb, and an English major). Got married last year...and the  wedding along with some foolish purchases added to that student loan debt. Bought a house and now have a mortgage. Then we went and got a car.  So much happened so soon. Husband and I saw ourselves starting to be sucked into a track of excessive consumerism. So we are now recovering debt babies hoping to become wealthy simple living adults one day over the rainbow.

Thankfully, DH has no student loans and very little credit card debt so there is a light. Oh, and our income isn't too bad.

Very excited that I finally stopped lurking and joined the forum. Hope to become well versed in the art of mustachianism and to meet other cool people. =)

Title: Re: Say Hi and Introduce Yourself
Post by: camrg on May 23, 2013, 07:48:00 PM
Hello-

I found MMM a few days ago and have had a hard time thinking about anything else since! I'm 26, married, living in the Tahoe region, working a 8-5 engineering job that pays fairly well and provides some flexibility. We live in a rental (reasonably priced, view of the mountains), drive a car w/ 261k miles on it (its bad on gas but it just won't die) and have a paid-for Wrangler for the warm days and a dual-sport motorcycle for the trails around here.

We're lucky to have no debt, two good jobs, and a decent start on savings. What eats up our cash is mostly travel and food, which together constitute over half of our expenditures each year. Eating organics, grass-fed beef, and a protein-heavy Paleo diet lead to some pretty high grocery bills, but restaurants on our frequent weekend trips really pile up. Being smarter about travel and less indulgent w/ food should help push the savings rate from 30% to over 50%. My goal in lowering expenditures is to reduce perceived risk and be more open to entrepreneurial opportunities.

Cameron
Title: Re: Say Hi and Introduce Yourself
Post by: farmstache on May 24, 2013, 06:31:24 PM
Well, hello, MMM community!

I'm 28yo, architect, and I live very far away from most of you - in Brazil. Things are different enough around there to make me spend a lot of time searching for alternatives to the common solutions (the hardest being the lack of craigslist and used goods for sale in general), but that only adds to the challenge! I live on a huge city, so most of the problems are the same (namely food prices, terrible commutes, rent, etc).

It wasn't me who found MMM, but my husband (well, we skipped the whole getting married thing, but we do live together). It was great, because since forever I've been the crazy one in the couple: I wanted to have a less time-consuming job, move to a smaller city, find a job that allowed me to work from home, have my garden, chickens and whatnot. It was close to early retirement, but all I could make him picture was a life of frugality and no pleasure, with uncertainties and hard to sustain. I almost fell from my chair when he came home all happy saying he found this awesome blog where he figured he could get financially independent or close to it very soon, and moving to smaller city was cheaper, and who the hell needed a new car or clothes, or expensive toys? He suddenly realized simple life can be good, and I'm all the happier for it.

Now we're working toward this goal, and of course I must admit I'm still learning and fighting with "needs" myself. We're excited, though!
Title: Re: Say Hi and Introduce Yourself
Post by: jplechat on May 24, 2013, 06:46:02 PM
Hi my name is Jon,
After agreeing w/ virtually everything that MMM has written in his blog, I decided my next step is to get on this forum and more like-minded mustachians. I'm 29 years old and aspire to be retired by age 35.
Cheers!
Title: Re: Say Hi and Introduce Yourself
Post by: Luck better Skill on May 25, 2013, 06:36:56 AM
Howdy,

  I am Kevin.  Was raised frugal with a personal dislike to being in debt.  In the top of my league with friends and family.  A friend directed me to MMM.  Learned I was playing in a subset of the minor leagues.  There is an entire world of badassity above me.

  Enjoying absorbing the wisdom of this and linked sites.  Thank you for the help.  <insert sarcasm>  Only complaint is that I have move frugal to #2 in what I look for in a serious relationship.  <end sarcasm>
 
PS The icon is an albino squirrel, nicknamed Casper, who hangs out around my place
Title: Re: Say Hi and Introduce Yourself
Post by: Boz86 on May 25, 2013, 09:37:15 AM
Another Wash Post follower, great find as I'm retiring from the military soon.

I already had the discussion my wife about not working another career just because "that's what everyone does," and this site is giving me lots of ideas on how to successfully semi-retire. So I'm going to concentrate on upgrading the house so we can sell in a couple of years and move out of high-tax Maryland (mostly waiting on son to finish college nearby).
Title: Re: Say Hi and Introduce Yourself
Post by: mstryin on May 25, 2013, 08:23:11 PM
So, I'm older than most here - closer to 50 than 40; with a husband closer to 60 than 50.  2 kids - oldest starts college in 2 years which frankly keeps me awake at night worried about how we'll help so she doesn't graduate too far behind with debt.  The second has a few years yet before college concerns.

I seriously dislike my job, commute way too far (over 30 miles each way) and am just starting to modify my spending habits after a lifetime of living it up. My husband stopped working and collects a government pension.

We still spend too much, but if I don't change now to set an example for my kids, they'll be exactly where I'm at  - I hope for better for them.
Title: Re: Say Hi and Introduce Yourself
Post by: vic on May 25, 2013, 10:42:18 PM
Heya,

As a 22 year old who recently graduated with my masters in Computer Science and landed a solid job, I have been considering my financial options with an interest in saving heavily and reducing my spending footprint. Interestingly, at each company that I interviewed with, my questions regarding savings and 401ks surprised the interviewers and each commended me on my forward thinking, claiming that few others consider saving at such an early age. Having already worked a few weeks at my new job, my money mustache has already begun twitching at the unnecessary spending my new colleagues happily engage in.

Although I have made some arguable grievous financial blunders, as MMM has so bluntly stated in his articles, I can truly envision early retirement even at this early stage in my life. With my only debt being student loans, which I can pay off in less than a year with my salary, I am looking for every opportunity to reduce the amount of time it takes to reach FI. Soon to be a DINK with two stable and relatively high paying salaries, I am looking forward to not having to work until I'm 67 to retire.

-Victor
Title: Re: Say Hi and Introduce Yourself
Post by: BlackRat on May 26, 2013, 03:46:12 AM
Hey Everyone!
I'm a 20yo student in Australia. I've just decided I won't pay off my student loans as I go (they only go up to match inflation, and paying them now rather than later only gets me a 5% discount), I'll have ~20k debt, but lots more  investment opportunities.
 By the time I leave uni I think I should have enough money for a downpayment on a cheap rental property - if I choose to go down that route - I find real estate fascinating and have browsed through real estate ads since I was about 12 (originally looking for the cheapest acreage I could find to start a farm on, now looking at rental fixer-uppers).
I'm hoping to "semi-retire" at 30-32 with ~250k, but continue working for my basic expenses for at least 10 years (so my stash can compound unencumbered) - while raising most of my food on whatever cheap acreage I manage to find ;)

BR
Title: Re: Say Hi and Introduce Yourself
Post by: MustacheCowboy on May 26, 2013, 05:02:57 AM
Hi everyone!

I've been reading and lurking since August and have been busy punching myself in the face until recently. I'm 32 with 2 kids and my wife and I are working on optimizing our life. Since I starting reading MMM we have ditched the SUVs and have started to actually pay down debt!

Glad to finally be a member of the community.
Title: Re: Say Hi and Introduce Yourself
Post by: DougStache on May 26, 2013, 08:40:52 PM
Hey everyone!

I stumbled across MMM right in the nick of time.  I'm getting married in about three weeks (holy crap, getting close!), and we will have many big decisions coming up in the next year: Combining cell phone plans, buying a house, and (possibly) replacing an old car.  I've always been fairly frugal by not wasting money on petty things, but spending on things that I deemed important to me. 

Before reading MMM:

Now I know:

Looking forward to growing the "now I know" list, along with my stubbly stache!
Title: Re: Say Hi and Introduce Yourself
Post by: moestache on May 27, 2013, 07:47:25 AM
Hi

I'm a 29 yr old town planner who discovered MMM a few months ago and have since been avidly following his blog. These past few months my husband and I have been working on cutting down our spendings and optimising things better. We weren't really that spendy but we were never really frugal either.

Anyway some small mustachian changes we've made in the past few months:
Bike or walk to the shops instead of driving
Walking to the bus stop instead of driving to the train station every day to go to work
Reducing our grocery bill

Looking forward to immerse ourselves more in the MMM way of life.
Title: Re: Say Hi and Introduce Yourself
Post by: RetiredAt63 on May 27, 2013, 09:02:23 AM
Hi

I'm Pat, will  be 63 and retired in a few months.  Always frugal (should I blame my Scottish ancestors?) married to a very non-frugal guy, separated from him for 4 years now and loving it.  We have a daughter who is almost finished university, relatively little student debt since she has always had a part-time job.
I found MMM from another blog and read it all, plus all the comments. I live in South-Eastern Ontario where the living is not easy or cheap, as has been pointed out many times on this blog.
At this point I hardly watch TV so am considering ditching Bell totally (phone, Expressvu) and just relying on my cell phone and internet.  I live in the country, literally, so a car is still in my future, but the mileage will be tiny, and my cars last forever.
Right now I am gardening, painting my house (inside) and taking care of the last bits of my job.

I look forward to joining in the discussions.



Title: Re: Say Hi and Introduce Yourself
Post by: Frugalady10 on May 27, 2013, 10:46:48 AM
Hi I am Katie I am 28, married to a31 yr old guy with 1 seven yr old kid and one on the way. We aren't really mustashians, but sympathizers I guess. We have no debt, and don't waste money on dumb stuff. We have a decent nest egg and investment portfolio, not nearly enough for retirement. But, by spending wisely my husband left his day job to focus solely on his passion ( music- he has a degree in music performance) and we are able to live on his freelancing and my part time income. I am still trying to figure out what my passion is - i like working part time and devoting the rest to my kid (s). Right now we "share care" (he watches kid while I work and I him). We each work around 20 hrs / week. Sorry i typed alot! Anyway although we are not retired like the mustashe family, but we both only work part time and I get a lot of tips from this site (and laughs).
Title: Re: Say Hi and Introduce Yourself
Post by: milkshaken on May 27, 2013, 05:11:20 PM
Hi, I'm Kirsten. 

I'm 29, I live in San Francisco and I'm "RDP"'d to a great gal who shares similar financial values.  We have $25,000 in student loans but no credit card debt.  We're presently saving around 20% of our income and looking for ways to get that number up even higher. We're saving aggressively for home ownership and early retirement and starting to get excited about creating passive income streams.  We're looking forward to making our lives even more mustachian in the coming years!
Title: Re: Say Hi and Introduce Yourself
Post by: Coneal on May 27, 2013, 10:00:30 PM
Hi I'm Charlie

I'm a single 35 yr old, live in Charlotte and have been debt free for 4 years.  Currently save 40% of income.  Hoping to learn a few tips and tricks here.
Title: Re: Say Hi and Introduce Yourself
Post by: Hadilly on May 28, 2013, 11:41:19 AM
Found MMM through the Washington Post and have been obsessively reading ever since.  We are a family of five living in Northern California. I'm 42, my husband is 39. No debt, but high housing costs. I've also, ever since reading the blog and forums, been noticing just how much lifestyle creep has taken place.

I work part-time, my husband full-time. Both jobs are very stable and reasonably well-paid. I don't  think we are going for FI.  I have floated the idea but there is little interest from my spouse. We have a lot of compelling reasons to stay here too (schools, family, friends, no commute, good weather, etc).

MMM has been great for refocusing my attention and setting financial goals. For a long time we had only one, save for a house. Well, we bought one and have been rebuilding savings over the past year, though a bunch of out-of-pocket medical expenses are going to wipe it out again. We should be able to actually build net worth next year (2014).

Our new goal, as I see it, is to agressively save so we can deal comfortably with college and retirement. We don't have debt but I have become aware of how insanely easy it is to fritter away money on small things, eating out, impulse buys and impulse travel, etc. I am going to start sweeping 3k into savings every month and then live on the remainder. Our children have noticed how we have already stopped eating out.

I've been reading the info on how to allocate between taxable and non taxable accounts. We need to allocate ROTH money that is just sitting around and also subsequent savings. Also shift some poor performing funds around too. Probably the biggest thing we are not doing.

I really appreciate the attitude of question everything and continually optimize. I'm taking my time though, hitting the low-hanging fruit and will gradually get around to things like insurance and cell phone plans.

The irony is that, as the chief spender of our household (I am also the person with a 3k annual clothing budget, which I have stopped using), it is up to me to implement this stuff on the saving and spending side. My husband is already a perfect mustachian who bicycles to work, brings his lunch, and buys any expensive toys with work funds. Luckily, it means that he is not protesting the regime change.

I look forward to contributing and continuing to learn from the awesome community.
Title: Re: Say Hi and Introduce Yourself
Post by: EmJay7 on May 28, 2013, 04:38:32 PM
Hi, I'm EmJay. My husband and I started hitting our debt hard about a year and a half ago, and kicked all our debt ('cept the house) in the shorts summer. Since then, we've been working to pay off our house, save up to buy our next (more efficient) vehicle, and set ourselves up for bigger and better adventures. I've only been reading the blog for a few months, but it definitely connects to how I view the world and where we want to go in the future.

I'm looking forward to reading and posting on the forums. In particular, I'm interested in finding ways to reduce our home expenses (we're about a grand higher than I'd like) and live in a very rural area without being completely dependent on our vehicles. And also anything about gardening in a snowy northern clime. Send me a note or I'll see you on the boards!
Title: Re: Say Hi and Introduce Yourself
Post by: Katnina on May 28, 2013, 06:24:26 PM
Hello!  I'm Kat and I live in NYC with my fiance and our two rescue dogs.  I am 32 and happily retired!

My plan when I was in college was to work on wall street until age 35, then retire and pursue my passions.  Thanks to my super mustachian lifestyle during 9 years in the finance industry, I was able to build up quite a 'stash.   I was laid off from my hedge fund job last year at age 31 and realized I could buy several rental properties which would generate enough income to cover our basic expenses & that I would never have to work for anyone again!  I now own five rental properties in the Detroit metro area which are managed by a property manager (I started with a $22k duplex fixer upper and added from there).  My fiance, who moved to NYC from Detroit 3 yrs ago, is still working as he has student loans and a mortgage on the house he used to live in in Michigan (which is now a rental) to pay off.  Once we get those debts out of the way, he can retire too & we will have 6 rental properties generating income for us.

We do live in one of the most expensive cities in the country, but we prefer to live simply, so our expenses are very low relative to our peers. I paid off the mortgage on my studio apartment at age 30, and we coexist happily in our tiny place, so our housing costs are minimal.  We don't have a TV, most of our meals are homemade, and we try to buy stuff used instead of new because its better for both our bank account and our planet.

I feel like I am viewed as kind of a freak by my peers who are still stuck in the consumerist lifestyle, and was thrilled when I found this blog a few weeks ago because it helped me realize there are other financially sane people in the world!  I've been telling my friends who have been complaining to me about their inability to save money about Mr. Money Mustache & truly hope they will see the light & embrace badassity!

Nice to meet you!
Kat
Title: Re: Say Hi and Introduce Yourself
Post by: limeandpepper on May 29, 2013, 07:03:09 AM
Katnina, that's kickass! Would love to hear more about your retired life and how you're pursuing your passions these days. :)
Title: Re: Say Hi and Introduce Yourself
Post by: Katnina on May 29, 2013, 12:10:01 PM
Thanks, limeandpepper!  I am loving being retired!  I'm really into gardening so I volunteer for an organization that teaches gardening and environmentalism to NYC public school students.  I also love sewing and cooking, and spend a lot of time doing both.  I take my dogs for lots of long walks and spend time with them in the park.  My sister and I write a blog together where we write about frugality and I post a lot of recipes that I make up on the blog, which I enjoy a lot!
Title: Re: Say Hi and Introduce Yourself
Post by: jiggy-z on May 29, 2013, 03:10:47 PM
Hello all. Looking forward to the journey.

I have been in a fog the last few years and am just getting around to trimming.  What an eye opener.  I always figured i would work forever. But now that i know I don't have to, I a, anxious to get moving.  I own a construction company, and i know i won't be able to do this forever.

A few quick thoughts:

It sure is hard to start changing things.  Seems like life is made to easily get into spending but hard to get out of.  Lots of initial set up is required.

The wife is going to be tough to bring around.

I wish I had seen this site before getting two new cars-probably going to need to post up on that.

I have a stage one plan-get all the easy stuff (lower insurance premiums, grocery spending, gym membership, booze, piano rental, frivolous bullshit) and hopefully along the way pick up a few more that I have not even thought of.

Stage 2-investemnts- Part one is just to throw some $ at the mortgage until I figure out what to do, but in this bull market it frankly scares the shit out of me.

After that I am stuck-this is where major decisions will come into play (kids and the private school-probably a separate post), commuting,home etc.

Frankly, with just a quick spreadsheet analysis, I feel I won't be able to make it (early retirement-I am already 46) due to outgoing cash.  Funny thing is, if I can get some spending under control, I am almost there.  Net worth is almost there, but everything is tied up in real estate, home, ranch, and retirement stuff I can't touch for a while.

Me the wife and kids are in great health and have a lot going for us, so close, but so far.  I also need to work on my optimism.  Thanks for the support.
Title: Re: Say Hi and Introduce Yourself
Post by: huadpe on May 29, 2013, 06:54:11 PM
Hi everyone!

I'm 25, and relatively new to investigating the MMM school of thought; I found it via the Washington Post profile earlier this month.  I'm doing pretty well financially, and thinking about how to optimize my situation.  I am undecided to be honest about how early I want to retire.  For it to work, a big thing is that my boyfriend and I have to be on the same page about it (and live in the same country).  I haven't broached it with him yet because I'm still not sure where I want to go myself.  Right now, I'm on track towards a quite comfortable non-early retirement; so this isn't about a dire situation, but moving from a ~20-25% savings rate to something higher.

I guess what I'm looking for here is to engage with people about this and decide on how far I want to go towards frugality.  I currently live a lifestyle that, while not extremely spendy, definitely could be pared down.  Though some of my non-necessities are very important to me, such as traveling to Canada to see the boyfriend.
Title: Re: Say Hi and Introduce Yourself
Post by: jamaicaspanish on May 29, 2013, 08:30:03 PM
Hello everyone,
New readers of MMM, but long-time adherents of his philosophy.
Bought years of retirement through our public school retirement system (ask me how),
sold our stuff in the States, and found jobs teaching in Jamaica.
Living the island life, following precepts MMM espouses, and enjoying life more than we thought possible 25 years ago.
And if you want to visit Ja, mon, we can host.
Title: Re: Say Hi and Introduce Yourself
Post by: limeandpepper on May 30, 2013, 05:32:56 AM
Thanks, limeandpepper!  I am loving being retired!  I'm really into gardening so I volunteer for an organization that teaches gardening and environmentalism to NYC public school students.  I also love sewing and cooking, and spend a lot of time doing both.  I take my dogs for lots of long walks and spend time with them in the park.  My sister and I write a blog together where we write about frugality and I post a lot of recipes that I make up on the blog, which I enjoy a lot!

That sounds awesome! That is similar to what I might imagine myself doing, especially cooking and making up recipes and blogging, all of which I already do, but I would love to have even more time to do it!
Title: Re: Say Hi and Introduce Yourself
Post by: PantsOnFire on May 30, 2013, 06:16:42 AM
I'm Dan, a 32-year-old father of a 2-month-old, happily married for 8+ years.  I have two sources of debt: a mortgage (just bought this house 4 months ago on a 30-yr fixed conventional mortgage), and a car loan.  I've been doing my best to stay on top of the numerous financial challenges that have come our way and stay prepared for the ones still looming on the horizon. 

The house we bought came with some known issues, none of which were urgent, and one big unknown and urgent issue--the sewer was partially blocked.  $4k later that was fixed, but our move-in stash has taken a hit and our front yard is a mess.  Our new child is a constant source of joy, but there are also of course expenses involved. 

As much as I'd like to pay off my car loan (I have more than enough money in savings) we are not quite comfortable predicting all the child-related expenses, particularly because both my wife and I received notice yesterday that we will be furloughed one day a week for the next 11 weeks, so we have a 20% reduction in income right at a time when our spending is pretty much guaranteed to go up significantly. 

So for now I will sit on some cash even though I have debt.  It feels weird. 

Anyway, I'm enjoying the MMM community immensely.  Sometimes I feel like I'm surrounded by financial morons, and if I were to mention that I have this *one* loan that really bothers me, they'd have no clue that I'm being serious.  With a new start with a new addition to the family, in a new house, in a new neighborhood, it's nice to have a community like MMM to help guide me toward the big financial plan that's going to be part of the foundation of my child's upbringing. 
Title: Re: Say Hi and Introduce Yourself
Post by: Katnina on May 30, 2013, 07:33:50 AM
Hi Dan!  Congrats on the new house and the new baby!  Does the furlough time mean you can reduce paying for child care by 2 days each week?  That could help a bit at least on the expense side.  I don't have kids so I don't know much about kid-related expenses, but the Tightwad Gazette has a TON of tips on saving money on child rearing.
 Unfortunately the blocked sewer line issue is more common than you would think-I've heard about issues like this from several people.  I own rental homes in the Detroit metro area, in fairly old neighborhoods with clay sewer pipes that get clogged with roots.  luckily, my real estate agent suggested I have a camera sent down the line all the way to the street whenever I had an inspection and that helped catch a few potential disasters.  So if you ever decide to buy another house, it's worth it to have that done.   If roots are an issue, it also makes sense to get the drain line snaked once a year.  Preventative maintenance at $100 a year is worth it (or less if you rent a tool from a big box store but that is beyond my diy capabilities!).
Title: Re: Say Hi and Introduce Yourself
Post by: PantsOnFire on May 30, 2013, 08:25:16 AM
Thanks for the warm welcome, Kat!  Congrats on being retired--that's quite an achievement! 

The sewer was only partially blocked, so it didn't rear its ugly head in inspection.  If we had opted for a video pipe inspection we would have caught it, but alas we didn't go that far.  We had a drain service try to snake it but they were only able to remove some of the blockage before the snake just jammed up and couldn't be removed.  So now we had ~20 feet of steel cable in the sewer pipe as well.  We talked to the neighbors and 2/3 of them have had to replace their 60-yr-old terra cotta sewer pipes within the last 10 years or so so I figured it was overdue anyway.  I said, "oh well, it's time" and wrote the check.  10 days before my wife is due to deliver our first child is not the best time to hem and haw over whether we should spring for a functional sewer.  Now we have 4" PVC from the basement out to the street so in theory the sewer is good to go for the next 50-100 years. 

We will indeed be reducing the daycare costs by about $60/week by going down to 3 days of care instead of 5.  We had to fight with our employer to even allow us to take different furlough days, but they eventually did concede that furloughing us on the same day each week didn't help them at all and it would hurt us significantly.  My mother has also offered to help watch our son part-time, so I should be able to get a few hours of DIY work done on the house on my furlough days while she gets some quality time with her grandson. 

I'll look for the Tightwad Gazette at our library.  Since we're probably losing something like $4500 in income over the next few months, we'll need to take every opportunity we can to limit our spending.   

Cheers!
-Dan
Title: Re: Say Hi and Introduce Yourself
Post by: mahina on May 30, 2013, 07:27:13 PM
aloha mmm folk~
i found this site a couple of weeks ago, and i'm excited to see so many quick wins and transformative concepts here. my husband and i retired in hawaii (yes!) in our early 50s.

we hail from the 'voluntary simplicity' generation, so we've had a good bagful of money-saving tricks for a long time. fun to see so many new ones here!

we have a guest cottage that makes us some extra cash through aibnb, social security, and a reverse mortgage that lets our home equity pay for property taxes, homeowner insurance, and repairs. we had a good deal of investment money that disappeared when the economy tanked some years back. oh well. we have little money, but we have it in hawaii!

we're able to grow quite a bit of our produce, but rely on a buying club, costco, and sales to fill the gap on items we can't make ouselves (like wine!) or grow here (oats!).

i look forward to participating in the community forums, and learning new ways to make the most of retirement.
a hui,
mahina
Title: Re: Say Hi and Introduce Yourself
Post by: Katnina on May 30, 2013, 07:38:55 PM
Wow, that sucks about the sewer line, Dan, but at least you won't have to worry about it again!
If your front yard is already torn up and you are thinking about putting a veggie garden in at some point, now may be the time!  It is a good way to reduce food expenses, and you will know you are feeding your baby amazingly healthy veggies when he starts eating solid food.  Some neighborhoods have restrictions against front yard veggie plots but even if yours does, there are ways to incorporate edible plants into an 'ornamental' garden.
Good luck!
Title: Re: Say Hi and Introduce Yourself
Post by: Carpe Dime on May 31, 2013, 07:06:53 AM
I found this site via the article in the Washington Post. It took me until  last week to read the entire blog, including a significant number of the comments. While my wife and I are not living beyond our means, we were managing our funds fairly inefficiently. In the last three weeks, we've overhauled our monthly spending, and realized we're only 2-3 years away from FI--depending on any raises, additional mustachian karate chops to our spending, or better-than-expected investment returns.

I have to say, this is one of the most civilized communities I've found on the web. I'm sure MMM does a good job of weeding out the truly destructive comments on the blog, but seeing the posts here in the forum extend that goodwill is incredible.

All this enlightenment has been a real punch in the face (the good kind).

Thanks all!
Title: Re: Say Hi and Introduce Yourself
Post by: teen persuasion on May 31, 2013, 09:50:34 AM
Heard about this site a few months ago, but I'm just getting around to reading thru it all from the beginning, a few posts at a time.

DH and I are 46, and the parents of 5 kids ranging in age from 8 - 22.  I was SAHM until the youngest hit school age, so I'm getting a late start at the saving for retirement thing.  We've always been frugal, by necessity, but it is just in the last 5 or so years that we've finally gained some traction in creating a 'Stache: paid off DH's grad student loans, paid off mortgage 15 years early, added my part-time wages.  All that freed up money has been going to retirement accounts, from a measly 5% of DH's pay a few years ago to 50% of our combined now. 

I've always felt like MMM does (spending money doesn't = enjoyment), but DH has complained about being "deprived".  Suddenly, DH is beginning to see the light, and loves the idea of early retirement (after previously thinking he'd never live to retire).  I'm hoping to learn lots more about investing, now that we've got something to invest.
Title: Re: Say Hi and Introduce Yourself
Post by: ChiStache on May 31, 2013, 10:29:09 AM
Hi there, I'm ChiStache. I'm 30 years old. Live in Chicago. Married to a great frugal hubs. I graduated from one of the most expensive law schools in the country in 2008 with about $200k in student loan debt (face punching myself everyday since). I've spent the past five years working to crawl myself back from the brink.

The hubs and I bought our first home two years ago, it's a two-flat in the city, so we rent one unit and live in another.  The rent covers almost all of our mortgage, which has been a huge help. We do not own a car. We've been tossing more than half of our take home pay at student loan debt, and project to eliminate it altogether in October 2013. Yay! Can't wait.

Love the blog and the forum; look forward to learning lots. 
Title: Re: Say Hi and Introduce Yourself
Post by: bobmicro on May 31, 2013, 03:45:43 PM
Hi, I'm Bob.  My wife & I live in Canada.  I'm in my early 40s and my wife is in her early 30s.   Our life is pretty comfortable, but we live frugally.
Title: Trede, dreaming of being a full-time indie author supporter in "retirement"
Post by: Trede on June 01, 2013, 04:43:33 AM
Hi, I'm Trede, and I've been crawling around the MMM site and forums for about a month,... love this site!  My husband and I are early 40's, no kids, in Chicago suburbia.  Two years ago on instinct we downsized to a little ranch (from a four bedroom, two story with a full basement house... for two people, what were we thinking?) and there was no clearer lesson in happiness having nothing to do with how big your house is or how much stuff you have.

We're debt free, I've got the corporate gig, and my husband is a new sci-fi author.  As indie publishing might be one way to sustain an income stream in "early retirement," and as a way to give back to the MMM community I've learned so much from, I'll be posting in the off-topic section offering up what I've learned and happy to answer any questions as an amateur editor/publisher.  I'm not an expert, but becoming a knowledgeable DIYer and happy to help.
Title: Re: Say Hi and Introduce Yourself
Post by: CorpRaider on June 01, 2013, 02:14:04 PM
Hi all,

First time long time.  I'm a mid 30's tax attorney (gov't so no huge salary) in North Carolina.  My wife is younger and was negatively impacted by the recession and has just started back on her career as a school media specialist.  We bought an old fixer-upper house last year for $172,000.  I have finally paid off my car and almost eliminated all other non student loan debt ($150,000) and Mortgage debt ($160,000) and look forward to optimizing my spending to finally put together some net worth after almost a decade of post-secondary education.
Title: Re: Say Hi and Introduce Yourself
Post by: MakingSenseofCents on June 02, 2013, 02:12:28 AM
Hey everyone! I am new here and have fallen in love with both the website and the forum.

I am working on leaving my job and pursuing my passion. Need to start investing more!

I am 24 years old, graduated from college at 20, and have been living on my own since 18. I never even thought that early retirement was possible until I started reading blogs like this one!
Title: Re: Say Hi and Introduce Yourself
Post by: berns on June 02, 2013, 04:16:52 PM
Hi I'm Ilya and live in Chicago. Thanks for all of the great posts, they have helped me a lot!
Title: Re: Say Hi and Introduce Yourself
Post by: shusherstache on June 02, 2013, 05:36:59 PM
I've been lurking and posting a bit, so I guess it's time for an introduction.

I live in Texas and my husband and I are both in our late twenties.  We are DINKS working in the tech sector and have only mortgage debt (currently at 112k, 1700sf house at about 260k in an up-and-coming walkable area) which we are paying off hopefully in the next three years.  Sometime in that period, we're figuring out kids (adopt or biological?) and reevaluating our dual-income mindset.
Title: Re: Say Hi and Introduce Yourself
Post by: GlobalStache on June 03, 2013, 06:17:10 AM
Hi, I've been reading the blog for a long time and finally decided to join!  I'm trying to live a Mustachian life with a spouse who cannot let go of slaving away at a desk job (okay, it's a great job...but hanging out with me and our son would be even greater!).  We reached FI awhile ago; back then I became a SAHM anticipating having our first child (then just a SAHW?).  I like my side of our lives, me having left the high stress world of white shoe law firms helping private equity firms reap big gains for lots of a$$holes with whom I spent basically all my time.  Yuck!  So I'm a happy American, my husband is a workaholic German and our kid is an awesome mixed breed of the two.  We now live in Shanghai, so I'm trying to live a Mustachian life among the high rollers (you'd die if you knew how much our apartment is per month...thank goodness our cut of that amount is practically nothing, horray Mustaches!). Cheers around the globe!
Title: Re: Say Hi and Introduce Yourself
Post by: Zamboni on June 03, 2013, 11:14:12 AM
Hi, I'm Zamboni!  Single parent of two great elementary school aged children.

Mustachianism is the closest thing I've found to my life philosophy, so I've enjoyed reading the blog and checking out the forums over the past couple of months.  Thanks!
Title: Re: Say Hi and Introduce Yourself
Post by: hudday48 on June 04, 2013, 03:47:31 AM
Hi I'm Hudday.

28 single living in Seoul as an english teacher.

I've read 50% of the articles in the last month when I saw the Washington Post article.

Be gentle with me for I am a newb.
Title: Re: Say Hi and Introduce Yourself
Post by: wrightstuff on June 04, 2013, 09:37:55 AM
Hi all.  Discovered MMM about 60 days ago.  Thanks to DW we've been on track to FI for several years and other than buying an F150 I thought I deserved, insert face punch here, we are almost there.  Being in my late 40's, as compared to many of the fine folks here, has sobered me to the fact there is no time to waste; the F150 is gone, cable is gone, and a more detailed expense evaluation is happening (currently dabbling with hypermiling in my 2 year old Altima)!

I really enjoy the posts and have been sharing many with family and friends.

Thanks for the kick in the drawers, I look forward to watching the MMM community grow and evolve.
Title: Re: Say Hi and Introduce Yourself
Post by: nsusa on June 04, 2013, 10:07:42 AM
Hi there. I am Chris from Highlands Ranch, Colorado. Married, one 8 year old son in Elementary school. We're both in our mid-40s. Own a 4 bedroom house (worth $400K, mortgage $200K). No other debt. Both cars are paid off. Found this blog and forum through a friend.

After reading a lot I know we're off track, but it is never too late to start. Got rid of my cell phone and are using the one I got from my employer. Moved my original phone number to Google Voice. Now buying a cheapo prep-paid phone and then move the home phone number to Cell and then to Google Voice. More to come.
Title: Re: Say Hi and Introduce Yourself
Post by: juliesunday on June 04, 2013, 12:42:54 PM
Hi! I'm Julie Sunday and I live in Austin, TX. I'm a sexual health educator by day and cycling instructor by night. Swithced to EcoMobile first then PlatinumTel and am becoming increasingly Mustachian. Trying to pull my boyfriend along with me :) I was introduced to the blog by my aunt who posted the "Newsflash! Your Debt is an Emergency!" article on facebook last fall & have been reading ever since.
Title: Re: Say Hi and Introduce Yourself
Post by: msilenus on June 05, 2013, 12:22:51 AM
Howdy, I'm msilenus.  I'm a nerd with a wife and two kids working in Silicon Valley.  Always been a heavy saver, but mostly because my appetite for luxury is just naturally modest.  This blog has brought into focus that I can push that farther and perhaps shave some years off the mandatory portion of my career, just by developing those frugality muscles.
Title: Re: Say Hi and Introduce Yourself
Post by: stevesteve on June 05, 2013, 10:25:43 AM
Hi, I'm Steve.  Married.  Late 20s.  In school but work this summer.  I found out about MMM a while ago from the bike world.  I'm naturally frugal in some areas but could probably spend all of my income on food if left to my own devices. 
Title: Re: Say Hi and Introduce Yourself
Post by: Samsam on June 05, 2013, 02:09:32 PM
Hi, I'm Sam - I am 25 years old and in a relationship.  A year ago I started a full time job as an engineer for a software company in Charlotte, NC.  I found this site a couple months ago and have already changed around some of my spending habits.  I now bike to work majority of the time and created a monthly budget.  My weakness is food!
Title: Re: Say Hi and Introduce Yourself
Post by: BrianM on June 06, 2013, 06:00:57 PM
Hi, I'm Brian and I'm from MMM's old stomping grounds of Hamilton, Ontario.  I wish this site had existed about 25 years ago!  It would have saved me a lot of time! I'm 57 and am retired - but continuing to work part time, mostly for fun.  I'm an engineer as well (McMaster MechEng class of '82), so many of the approaches MMM talks about resonate with me.

My frugality muscles are really starting to come to life after reading ALL the blog posts (yes, I'm one of THOSE).

Looking forward to finding creative ways to live the good life on less!
Title: Re: Say Hi and Introduce Yourself
Post by: FastStache on June 07, 2013, 10:09:52 AM
Hello everyone, I'm Eddie from Orlando.  I work as an Engineer and I'm 29 years old. I have been practicing some frugal habits, but I am nowhere near moustachian level.

I have a a beautiful daughter as well.
Title: Re: Say Hi and Introduce Yourself
Post by: ESunday on June 07, 2013, 11:27:09 AM
Hi
I am a college student attending Ohio State University. I was introduced to MMM by grantmeaname quite a while ago and I am loving the frugal lifestyle. I am currently trying to bike or walk to work more and resist all summer dress shopping temptations :) Luckily, I live with Grant and Russ so maintaining a frugal household is not a solo endeavor.
Title: Re: Say Hi and Introduce Yourself
Post by: mostlyeels on June 07, 2013, 07:15:08 PM
Hi everyone.  I found this site a couple of months ago through Retirement Investing Today, and just devoured the blog posts and then the forums.  The idea that I could be so close to early retirement had never occurred to me.  I've lost track of the number of times financial advisors have asked me what my financial goals were, and I never really had any, until I discovered this site (and others like it).

I'm 41, single, living in a what I've heard is a high cost of living city (Sydney).  No debt, good savings, but was never interested in investing until last year.

Finally bought a place of my own a few years ago (as a bonus, it's well within walking distance to work).  No mortgage, which is great.  It's an apartment, but I'd love a little house, something with a backyard to grow some veggies at least.  Together with a couple of friends I run a small business (30 employees), and if/when we eventually sell, that will probably be the catalyst for me to move out a bit further where I can do that.  For now, it's better to be close to work (always a trade-off).

I've always lived a semi-frugal existence without really thinking about it, with some lapses (expensive Italian espresso machine :), but never paid much attention to how much I was spending.  But I got a wake-up call after a week-long holiday recently; I got home and wondered where all my pay from the last month had gone!  It was truly a shock!

So now, with the help of MMM's blog posts and some great forum posts, I've trimmed my monthly budget from 64% savings rate up to 72% (net tax), and I feel like I'm on my way.  I find a lot of what's written here to be inspirational, so thank you all for helping me on my new path.
Title: Financially Challenged frugal wanna be
Post by: katieboo on June 08, 2013, 10:41:37 AM
Hi,

I found this site by researching hybrid cars and trying to decide if I should buy one. I live with my SO and his teenage son in a 4 bedroom house with a 3 car garage that SO originally bought for his ex-wife and her kids. I pay him rent and expenses which is really cheap for me. No kids of my own, just two dogs. I drive a 2005 KIA Spectra 5 hatchback that I bought new. No more car payments. The only other car I owned was a Ford Escort, which I also bought new. I've never owned a house, could never make the commitment. I've always rented.

My downfall is my six figure debt from law school, a very expensive decision I made to make a major mid-life career change. Not only that, I did not live frugally while in law school. I was too stressed out to worry about finances. Big mistake.

Now I've consolidated my loans and am going to apply for the public service loan forgiveness program, since I work for the government. Oh, yeah, even with a six figure school debt, I decided to take one of the lowest paying lawyer jobs out there, and I love it and my quality of life is very good compared to most private practice attorneys.

I live in a city where everything is really spread out and there is practically no public transportation. And I work in one of the worst areas of town, so living close to work is a bad idea. I certainly could bike to work, in fact I did that for three years when I lived in Japan, I would bike 45 minutes in pouring rain and in snow many times. In Japan, many people rode their bikes to school and to work and to buy groceries. But since moving back to the states I've always driven. Drivers here are not used to seeing cyclists, or pedestrians, and I believe there would be some risk to biking on the street. Sidewalks would be okay.

I'll be posting questions about car buying, and debt management on this forum. I've tried couponing, lost interest and I think I ended up spending more money that way. I'm simply not good with money or math.

Glad to be here.
Title: Re: Forum Ideas
Post by: Stachebound on June 08, 2013, 04:35:32 PM
Hi I'm a working mom of 3, living in Silicon Valley (CA) - with decent, although non- high tech salaries.  We are debt free except our house, which we owe about $368k remaining - market value is about $750-800k.

We save 38-45% of our income, depending on the month.

My goal is to pay off our house and start buying rental property for passive income. We are on our way to FI, but still in the beginning stages of figuring out how long it will take.

So glad to find MMM!
Title: Re: Say Hi and Introduce Yourself
Post by: FrugalZony on June 10, 2013, 12:34:45 PM
Wow, there's a name for what I have been trying to do for years, LOL! It's the MMM lifestyle!
I'm in my early 40ties, "only" have mortgage debt (which has stressed me out to no end ever
since we bought the house), but I will probable be done paying that off.
We live well below our means and I am very careful with money (much more than the hubster)
I can definitely use some help and pointers on what to tackle next.

It's so funny, I have had a hard time to get the hubby on board with my frugal lifestyle (he thinks
I am too much of a cheapskate/tightwad sometimes, just because I don't approve of any useless toys,
like trucks, boats and ATVs)

Then he discovered the MMM blog and all of a suddenhe is interested in all this. He pointed me to it and I started reading and I was like "duh honey, that's what I have been trying to tell you for years!!"
Glad he's more on board now!! He could probably use some of  your friendly face punches ;)

I think we are on a good track, but still have long ways to go. Looking forward to great discussions.


Title: Re: Say Hi and Introduce Yourself
Post by: CompLB15 on June 11, 2013, 12:04:19 PM
Greetings all,

Just made it through all the blog posts, and I thought I would check out the forums.
From Ottawa, ON
Title: Re: Say Hi and Introduce Yourself
Post by: Myrmida on June 11, 2013, 12:11:24 PM
Hi!  I'm Linda, a middle-aged mother of a sweet almost-2-year-old boy.  I live with my spouse, our little boy and my mother-in-law.  My spouse and I have some very anti-mustachian that we are working on.  Before we had our little boy, we were a double-income-no-kids couple who spent money freely.  Now that we're on a single income (my spouse is a stay-at-home-dad), we have been watching our spending a lot more and correcting some of our bad habits.  I hope the MMM blog and this forum will help us.
Title: Re: Say Hi and Introduce Yourself
Post by: TSR Capital on June 11, 2013, 04:14:54 PM
Hello Mustachians!

I've been reading this blog for awhile and find it interesting.  I've learned a few things (like about Lending Club).  I'm already pretty far advanced on the cheapskate spectrum.  I don't own a car or a cell phone or any paid TV subscription, and I have no debt.  But I'm always looking for ways to make or save money.

I'm interested in investing and have started a mock portfolio that might interest some readers.  My goal is to beat the market  by at least 10% annually over longer periods of time.  So take a peek in here if you feel like it: tsrcapital.blogspot.com.  It overlaps with my real-world investment portfolio.

Title: Re: Say Hi and Introduce Yourself
Post by: Iceplant18 on June 13, 2013, 10:08:02 PM
Hello all!!!

      My name is Brandon and I plan on living the majority of my life in a manner that Mr. & Mrs. MMM call the Mustachian lifestyle.  Being frugal and saving isn't something I'm new to.  In many respects I started doing it when I was 10 years old.  Back then I did it for different reasons though.  I was willing to forgo many small ticket items like eating out, nice clothes, and luxury vacations for the purpose of purchasing the big ticket items that I aspired to own.  Fast cars, my own house, a small sport airplane (someday).  The housing crisis hit me hard.  Really Hard.  I came really close to deciding to "strategically default" on my house.  I ended up not being able to stomach what I consider to be morally irresponsible and just stuck with the mustachian lifestyle for the past 6 years.  It's gotten me in a much better place financially and I may end up retiring in 4 years at the age of 36.  :-)  Why retire?  That's a question that often many of my peers ask me.  You all know why though.  ;-)  You're all mustachians. 

      One of my personal claims to fame when it comes to being frugal is my choice to switch to 2 wheels instead of 4.  By which I mean motorcycles instead of cars.  I live in sunny southern California and up until 5 years ago I thought riding a motorcycle was for idiots with average life expectancies of 30.  Now I don't see why everybody isn't riding.  20% the cost overall and significantly more enjoyable.  I still have a car but it's the car I bought back in high school which costs me like $30 a month to keep.  It's used for grocery runs and bad weather but that's about it. 

      Over the years I have focused my efforts like a laser on lowering my overhead costs so that I can live on less.  I've accomplished this not only with the switch to the motorcycle but also by aggressively paying down my mortgage debt and refinancing into lower interest rates, trimming down insurance policies, and avoiding taking on new debt no matter what.  I've also been renting out a room in my house for quite some time.  Once upon a time I needed about 50K a year just to get by.  At this moment I could survive on about 18K a year and be happy.   

     I look forward to conversing with you all about living this way.  Consumerism is sooo 20th century. 
Title: Re: Say Hi and Introduce Yourself
Post by: basd on June 14, 2013, 03:13:56 AM
Hi all, I'm Bas, early thirties, married with our first child on the way, working in IT. Working hard at paying off my student loan first, aiming on the mortgage afterwards. Also planning to start side hustling soon to support my projected lifestyle and become less dependent on my day job.

From what I've read so far this sounds like just the place for me!
Title: Re: Say Hi and Introduce Yourself
Post by: sunnymidnight on June 14, 2013, 10:49:48 AM
Hi everyone.  I live in the Yukon Territory which is gorgeous beyond description but isolation does present its own challenges including personal finances.  When a bag of kitty litter can cost $34 you learn to improvise.

Title: Re: Say Hi and Introduce Yourself
Post by: MustacheMary on June 14, 2013, 01:19:41 PM
Hi - another Canadian here.  Was on track for early retirement, but then "Life is What Happens When You're Making Other Plans." I'm enjoying the blogs and forum!
Title: Re: Say Hi and Introduce Yourself
Post by: Stillworking on June 14, 2013, 03:14:09 PM
Hi there. Enjoy the blog. Don't know if I'll ever be a Mustachian, but I'm trying to add some of their ways to my lifestyle. Thought I was doing pretty good financally until my first child was born, now have another on the way. The wife and I have tried to cut back some of our habits (eating out), which helps keep her at home to spend tons of time with our daughter (and soon to be little sister). Now thinking harder about when I'll be able to retire.
Title: Re: Say Hi and Introduce Yourself
Post by: simondh on June 15, 2013, 07:27:14 AM
Hi All, Been reading the blog for a while, but wanted to sign-up and introduce myself. I'm early 30s and very happily married (for just over five years). My wife is late 20s. We currently live in London, UK, but are moving to the US soon where I'll be working (but she won't because of visas). I want to make sure that with our move we don't get into any bad spending habits and we keep up our debt-free lifestyle and build up a good saving habit. I look forward to keeping up to date with the MMM community.
Title: Re: Say Hi and Introduce Yourself
Post by: captainawesome on June 15, 2013, 03:07:16 PM
Hello Mustache community.  Been following along for a while on the blog, figured it was time to get involved in the community.  Since I came across this blog and forum I have: sold my gas guzzing 2011 Grand Cherokee in favor of a used Mazda 3, dropped my Verizon family plan and gone over to pre-paid MVNOs, utilized Mint.com to track my already pretty well laid out budget (math major who uses excel A LOT), dropped our cable/internet bill to ~$14 a month.  Even though my life still has anti-mustachian habits, I think I have made a pretty drastic turn around.  I had saved a bunch of money previously thanks to the dave ramsey "system" but this has really opened my eyes to the money I was throwing away.  Glad I found this at 27 and not later in life!
Title: Re: Say Hi and Introduce Yourself
Post by: mr muppet on June 15, 2013, 03:28:04 PM
Hi all,

I'm Mike and a teacher in the UK. Just realised that my username could be mistaken I'm Mr M - definitiely not Mr MM!

Thanks for the forum,
MM
Title: Re: Say Hi and Introduce Yourself
Post by: pachnik on June 17, 2013, 05:01:08 PM
Hi. 

I found this blog about 2 months ago thru a link in a weekly email I get regarding Personal Finance from the Globe & Mail newspaper.  This is a Canadian newspaper and I live in Canada.  In the past the only blog I read was Gail Vaz-Oxlade's blog.  I've never signed up for any kind of Internet community before (I am 49 years old) but here goes. 

Generally speaking, I am okay financially.  I am grateful that I had parents who set a good financial example for me.  I didn't incur credit card debt and I put away 10% or so for my retirement.  Then I came across the MMM blog and it has gotten me thinking differently about money.

Anyway, more later - probably in the journal section of the forum.  It has been really great reading this blog and the forum posts.  Thank you.



Title: Re: Say Hi and Introduce Yourself
Post by: jpfromCO on June 19, 2013, 03:38:26 PM
Hi-

I'm a long time reader and new to the forum.  I live in CO with my husband and two young sons.  The necessity of paying a huge day care bill for my two boys recently made me reevaluate our spending.  I feel like we're on track, but have a ways to go.  My long term goal would be for both of us the work part time.

JP
Title: Re: Say Hi and Introduce Yourself
Post by: misty1028 on June 19, 2013, 06:56:35 PM
Hi! I'm Emily - longtime follower, first-time poster. Newly graduated, living / working in DC :)
Title: Re: Say Hi and Introduce Yourself
Post by: Fugawe on June 20, 2013, 12:25:45 PM
Howdy folks,

My name is Dirk. Just found 3M's blog a few weeks ago and really enjoy the reading.
I've been furloughed since mid 2009. But being the son of depression era parents we've always been frugal. So I can't say the furlough forced me into the Mustachian lifestyle. But it did provide a helping hand! The first two things to go were the Verizon Fios @ $125/month and a full AT&T voice/data plan at around another $120/month. I reckon since June 2009 that simple act has hired
me a bunch more employee's. KACHING. I rigged up an HD antenna on a 30" pole and  get ~ 40 channels with lots of them in HD...and you can't beat the price!

Ahhh but still I'm a face punch candidate for being a car clown. I live a 10 mile round trip from work and I'm still driving that bitch every day. (a 1998 paid for hoop de doo Jeep Cherokee) The good news is I inherited (evicted a tenant who left a bunch of shit) two really nice bikes. A 27" GT Cirque and a really nice Specialized Hard Rock (from a bike shop in Boulder if you can believe it) I now ride to the grocery store (one of three depends on how far I want to go) or to find a hot spot somewhere so I can check Email and surf
Title: Re: Say Hi and Introduce Yourself
Post by: SellenMachine on June 20, 2013, 02:18:30 PM
Hey all,

I'm Matthew. I found this blog about 3 months ago, and it has inspired me to put my debt pay-off into high gear. I can proudly say that, In that time, I have paid off more than $8k in student and car loans. As of this past Monday, I am officially debt-free! I plan on keeping that way while I learn more and grow my stash.

=]
Title: Re: Say Hi and Introduce Yourself
Post by: pirate_wench on June 20, 2013, 04:02:14 PM
Hello everybody,

My name is Pirate Wench. I have been obsessing about early retirement for about 10 years now. Unfortunately, I am not there yet, but I am excited by this blog! I am ready to be punched in the face so as to reach my goals. I am a merchant mariner, so have a unique opportunity to semi-retire and only work 1-2 months a year while still having excellent health insurance and building a real pension...if I can get my act together. So far I have about $166,000 saved in retirement accounts (I'm 32), and own a rental condo that if sold in this market would bring me approximately $100,000 cash after taxes and realtor fees. I also part-own a house with my partner that I live in. Yes, these are two mortgages!!! Doh.

I wish desperately to buy a campervan and live down by the river.  I did that in New Zealand for three months, and it was awesome. Like I said, looking forward to some serious face-punching and growing my 'stache!
Title: Re: Say Hi and Introduce Yourself
Post by: Flyfisherman on June 21, 2013, 10:19:32 AM
Hi, I just wanted to thank everyone for the awesome advice I've received on this blog and forum.  I am a 30 year old graduate student about to get married. I've always been a saver but your anti-consumerism messages and easy suggestions on how to live the same or better quality life while spending less and saving more have been awesome.  I've already saved on car insurance, cell phone, and tv.  I've recommended the site to friends and family alike.  Keep up the good work and thanks again.
Title: Re: Say Hi and Introduce Yourself
Post by: TKE Super Dave on June 22, 2013, 11:32:02 AM
Hello Everyone. My name is Dave. I figured since I've started posting instead of lurking I should introduce myself. I'm currently living in Pittsburgh, Pa.  I started my financial Journey in 2011 to become debt free and only learned of FI and early retirement late last year. Wasn't sure it was truly possible, still not sure, but the more I learn the more I feel FI is possible if not early retirement.

I'll be cataloging my foray into knowledge and all things MMM in the journal section of this forum. I just posted my budget and current goals there so please hop on over and give me some feedback. You can view it here: Super Dave's Kryptonite (http://www.mrmoneymustache.com/forum/journals/super-dave's-kryptonite/).

I look forward to interacting with everyone.
Title: Re: Say Hi and Introduce Yourself
Post by: BC_Goldman on June 23, 2013, 07:38:29 PM
Hi, folks. I discovered MMM about a month ago. Right around the time I found out I was being laid off from my job. I started from the beginning and just reached the most current post this afternoon.

I'm 31 and had what I thought was a decent financial track record. I paid off my student loan last month (only borrowed $5500 for my final year). I was raised in a frugal family. In 1999 when I was working for the same company as my dad, I found out he was making $14/hr. I thought that was huge money back then since I was making $7. Earlier this year while doing some research, I discovered that we were actually right at the federal poverty level at that time. My dad was the sole income and my mom was a SAP. There were six kids in the family.

So I knew a lot about not spending money from when I was a kid and retained some of it into my adult life. Never carried a credit card balance from month to month. I was able to buy my own place at age 26 with an FHA loan. When I got my last job, I made the (bad in hindsight) decision to buy a nearly new car. I've stashed money into 401(k)'s and Roth's but don't have a huge amount yet.

Right now, I'm unemployed and may stay that way for a while as I can manage ok with what I'll be collecting on unemployment. Sad part is that I'm not seeing jobs around here for more than what I'm collecting on unemployment. That's the sad part about spending eight years working as a government contractor. Now I'm focusing on figuring out how to pare down my expenditures while I look for a new line of work.
Title: Re: Say Hi and Introduce Yourself
Post by: cynicaloptimist on June 24, 2013, 09:47:04 PM
Hey, I'm Jason.
I'm a fairly sharp guy that until recently, has had a really bad problem with procrastination and generally just kinda floating through life.

Just turned 30 and feel like I'm still able to be financially successful. 
I haven't read much on the forums, but I'm sure I'll spend dozens of hours reading through it, starting tonight.

Currently, the goal is to find a decent job, save up, and perhaps, down the road, start a business.
Looking forward to learning and exchanging ideas with everyone.

Forgot to add - I was fortunate enough to stumble across these forums while looking for forums specifically for men with moustaches, because I'm bringing my handlebars back.
Title: Re: Say Hi and Introduce Yourself
Post by: Westrum on June 25, 2013, 05:29:46 AM
Hey all!

My name is Emil. I'm a 23 year old lad from Norway! I've been reading this blog and forum for a month or so, and decided to join the community.

I work as a automation engineer at a hospital. I earn decent money, and I'm in the process of buying my own house now.

Cheers!
Title: Re: Say Hi and Introduce Yourself
Post by: Marmot on June 28, 2013, 11:15:19 AM
Hello Everyone,

I'm Mike. I am 29 and live near Chicago. I work in Health Economics at a medical association; my fiance works in the financial unit for a very large company.

I am very interested in investing, saving and being economical; we track all of our expenses and income using mint.com. We do not have any debt as I just finished paying off my school loans for my grad degree.

We have been working to reduce our expenses (cut cable, switch to no contract cellphone plan, etc.), though still have plenty room for improvement. We are currently on pace to saving about 35% per year of take-home though want to get that closer to 50%.

We are going to be buying our first home in the next two years; we are considering a 2 flat, so we can rent out one unit and live in the other. I figure that this is a conservative way to get into real estate.

Looking forward to learning from the community and contributing!

Title: Just Found My Tribe!!
Post by: mustachiogirl on June 28, 2013, 01:21:54 PM
Hi All,
 
I'm Victoria and I'm a recovering financial idiot!! (Everyone now say...WELCOME VICTORIA in your best 12-step voice!)

I have literally decimated my finances, and now that I am beyond the shock, anger, and grief, I am ready to rebuild my financial future. I am a single-mama and in the course of one year I managed to lose my job, get my home foreclosed, sold nearly every possession we owned (to get the deposit together for an apt.), spend every dime of my very small 401k, and piss off every credit card company that had loaned me money. The final straw was having to get Medicaid to pay for a surgery my daughter. While I am deeply grateful that her surgery was covered, it was a humilating experience. In fact, it was the experience I needed to really look at how I had gotten into this mess, and what I would do to get out.

I have found a great-paying job, and I have also started an online business that has been profitable from day-one (I am selling on Ebay). I am still at ground zero though, as I have no savings, and am playing catch-up on my bills. But I have a plan, and a burning desire to turn my life around. And now I have found Mr. MoneyMustache and a tribe of Mustachio's to help me on the way. Yay Me!!
Title: Re: Say Hi and Introduce Yourself
Post by: bikeknit on June 29, 2013, 02:02:43 PM
Hi,  My name is Chris and I'm a bit older than the average persons here.  I'm 60 and just skidding my way into retirement this year.  Friday was my last full time work day.  I'll be working apx. 15 hrs per week until the end of the year - then I'll be done.  I was raised frugal, never made a lot of money and while I didn't save much in early adulthood, I never took on much debt.  And always had a plan to pay it off when I did. 

For those who don't have the kind of income that MMM had, I can attest that it may take you a bit longer, but there is a bit of freedom in everything that you save.  And finding other people who don't need to buy their way to happiness helps to reinforce a less consumerist  and less frenzied lifestyle. 

Glad to meet you all.
Title: Re: Say Hi and Introduce Yourself
Post by: awaddell on June 30, 2013, 07:38:03 AM
Hey I'm Adam,

I'm really excited to be here! I'm 26 years old. I got myself out of $58K of grad school debt as well as other miscellaneous loans. I am on a warpath to becoming FI within 15 years by saving/investing at least 50% of my take home pay. I look forward to learning as much as I can from you all :)
Title: Re: Say Hi and Introduce Yourself
Post by: Luigi on June 30, 2013, 06:05:50 PM
Howdy.  My name is Luigi (it's not, though).  I'm from Tucson, AZ, and have been moderately frugal by necessity since I was a wee lad, aside from a few years when I was making more money than I was responsible for.  At least I didn't get myself into trouble with it.  I'm 28, now, and hope to retire to China with my wife one day.  At least that's my plan for now.
Title: Re: Say Hi and Introduce Yourself
Post by: in2themild on July 02, 2013, 09:00:35 AM
Hi there - my name is Jim and I am from New Hampshire and I am 29 years old.  I am homeless, but it is not as bad as it sounds.  In late May, my long term girlfriend and I quit our jobs, sold our house, bought a truck camper and an F250 (both used, in cash, of course) and will be spending the next year travelling North America.  We have both been fans of MMM for a long time and have used many of his principles to allow us to take this road trip as we had recently found ourselves drowning in unnecessary cash (me from my job as a mechanical engineer for a medical device R&D company and she as the COO for an animal shelter) but poor in the time to spend it on our passion: travelling.  We are currently waiting out some bad weather in Wells, ME before we head up the coast to Nova Scotia, Prince Edward Island, Newfoundland and beyond.  We are attempting to park for free as much as possible to avoid wasting money at camp sites, so if anyone has some extra room in a driveway or pasture between here and say the Hudson Bay we would love to hear from you!!!
Title: Re: Say Hi and Introduce Yourself
Post by: in2themild on July 02, 2013, 09:05:06 AM
By the way - feel free to follow our blog: http://in2themild.blogspot.com/
Title: Re: Say Hi and Introduce Yourself
Post by: a.g on July 02, 2013, 08:05:50 PM
I am homeless, but it is not as bad as it sounds.  In late May, my long term girlfriend and I quit our jobs, sold our house, bought a truck camper and an F250 (both used, in cash, of course) and will be spending the next year travelling North America.

Awesome. Gotta love the initiative. I too am homeless (Van dweller) by choice, and am excited for the adventure you guys have in store!! Enjoy the road, and I gotta say you have a great user name ta boot!
Title: Re: Say Hi and Introduce Yourself
Post by: Iliya Moroumetz on July 02, 2013, 10:57:25 PM
Hello.

My name is Chris and I'm 34, single, and in the process of turning my life around by going back to school to become a chef after couldn't find work after I initially graduated college back in '09.  I just found the MMM not too long ago and since I too would like to live in financial independance without the need for the ubiquitous conspicuous consumption and I rather be the master of my money instead of its slave.

I would rather spend my days doing things I love instead of working to live, which is why I am still going through the articles here.  I hope to learn a lot from this site and, someday, become financially independent.
Title: Re: Say Hi and Introduce Yourself
Post by: NellGwyn on July 03, 2013, 12:47:51 AM
Hello, forum!

I discovered MMM back in December, read the whole blog from the beginning, and have been lurking on the forums ever since. I live in Chicago, and I'm currently waiting tables while going to school for a second bachelor's in civil/environmental engineering, so I've been applying the wisdom of Mustachianism to be able to pay for my current schooling in cash (since that's pretty much my only option) while living on a tight budget.  My first bachelor's is in theater...not a wise financial move -- and even worse, I went to grad school in New York for two years (racking up $45K in student loans) before realizing that I'm utterly unsuited for a theater life, dropping out, reevaluating myself, and moving back to the Midwest. But that was several years ago...I've made my peace with my many mistakes and am on my way to a better career and hopefully eventual financial freedom!

Thanks to this site, I've switched my phone to Ting, canceled cable in lieu of Roku, discovered the advantages of Costco, and recently started using YNAB, all of which I love, but I am still far from being a badass. Like so many others here, I'm an INTJ/P, so chances are I won't feel the need to post very much, but I look forward to learning even more from you all and am happy to join the community!
Title: Re: Say Hi and Introduce Yourself
Post by: Maseroni on July 03, 2013, 08:56:57 PM
I have been reading MMM since the Fall after hearing MMM being interviewed on the CBC. The message really resonated with me.

We are a long way off from early retirement at this point. Honestly retirement is a goal, but financial independence is the real goal for me - it means having options - early retirement being one of many of those options.

We currently live in Burlington, ON just beside Hamilton where MMM says he grew up. My wife and I have two kids.

I am not normally a forum kind of guy, so this should be an interesting experiment. Normally I'm more of a lurker than a poster, but I will try to contribute where I can so I'm not just taking without giving.

Looking forward to this journey.
Title: Re: Say Hi and Introduce Yourself
Post by: Free_at_50 on July 04, 2013, 07:49:48 AM
Hi all.  This is my first post.  My wife and I started out together over 30 years ago, raised a great family, and have always lived well below our means having set a goal of early retirement early on.  In fact my wife has been retired for over 5 years already!  :)  I on the otherhand have always been shy to pull the trigger up until recently that is.  I have to say this forum has truly clarified for me the whys and hows of being in a position where work becomes a hobby and not something you are forced to do.  For those of you just starting out on your journey you are well advised to follow all of this great practical advice which our current society easily overshadows in this age of communication/consumerism.  This forum does wonders to counteract those influences.  I look forward to continuing to learn from all of these great minds!  A toast to Mustachianism!
Title: Re: Say Hi and Introduce Yourself
Post by: Financial Threedom on July 06, 2013, 01:17:57 PM

Hello all.  I have been following and reading MMM for a bit over a year, I think I just stumbled upon the blog after searching for finance blogs.   I have been trying for months to register, but wasn't having any luck.

I have a finance background, and have worked in banking, and currently work in the finance field.  It has always been a passion of mine.  The bank was nothing but selling to people instead of teaching them how to budget, or teaching them about money, so I had to get out. 

Im currently aiming to retire by 49, (which all my coworkers love to laugh and scoff at), I am currently 37, this may seem late to most on here, but I did not have the luxury of having "the incomparable advantage of having to work for what you get" growing up, and was actually encouraged to borrow money for education, etc.  So needless to say, that set me back quite a bit. 

I live in Canada and I am married and have a nearly brand new baby boy.


Title: Re: Say Hi and Introduce Yourself
Post by: Tom Bradford on July 06, 2013, 06:53:50 PM
Hi.

Guess I was a moustachian (UK spelling) long before MMM  - stressing myself as a lawyer to the point of a breakdown and suicidal thoughts in the UK in the early 80's I was 'saved' by the brilliant BBC comedy series "The Good Life" and John Seymour's books on the self-sufficient life in my native Suffolk.

As a result my wife and I gave up the rat-race - she was deputy editor of the local paper - sold up everything and moved to New Zealand to be far from the madding crowd.   This was in 1990 when I was 40 and I haven't done a day's 'work' since although my wife took a job as part-time secretary to our local and tiny primary school.

The move to New Zealand enabled us to purchase a lovely house and 10-acres debt-free in a beautiful coastal area with sufficient left to invest in a varied, though all-paper portfolio.   Before finding this site I had nothing serious underlying the math of what we were doing - just a back-of-the-envelope calculation that the portfolio should on the basis of historic returns be enough to provide for us as well as keeping pace with the effect of moderate inflation.   Now, with 23-years experience and having survived a couple of global financial crashes as well as a crippling rise in value of the $NZ as a result of Wall Street's looting of the US, I can more than confirm MMM's 4% rule.  We have lived it and are wealthier now than we were when we 'retired' 23-years ago despite the fact I'm still not 65.

However we do have some non-Moustachian helps - and hindrances.  Perhaps the biggest help is that we never had children - a huge saving financially and, I have to say, something neither my wife nor I regret even now when it's far too late to reconsider.  I have a strong suspicion that anyone born in the last twenty years might have cause to curse their parents for world they were bequeathed, with global warming, peak oil, peak water, a collapsing ecosystem, WMD's in the hands of lunatics, 'democratic processes' favouring the handing of power to immoral sociopaths, et al.

Another major advantage we have enjoyed is two housecows giving us >2-gallons daily of free full-cream milk for coffee, butter, cheeses and yoghurt, plus 400kg of organic beef for the freezer's anually,  a six-head flock of sheep giving us wool and mutton, chickens for meat and eggs, a bay full of fish and sea-food at the bottom of the road, a benign climate supporting all-year-round veg from the garden and our own apple, pear, citrus and avocado orchards and thousands of acres of woodland on the surrounding hills providing free firewood for our cooking and house-and-water heating needs.

Also on the plus side is New Zealand's social services - free healthcare and accident compensation + universal superannuation to come.  And on the one occasion we did need it an emergency helicopter flew in to take one of us to hospital - as an ambulance would have taken hours just to get here -  at no cost to us.

Our anti-moustachian downside is the price of our lovely location - it's a 2.5 hour drive to our nearest town for the essentials we need, over a poor and mountainous road making a grunty car an essential - when we do go to town we need space to hold a lot of shopping and/or some major items and we need 4-WD with a high clearance to deal with the worst that an in places unpaved rural road can throw at us in the winter.   So although we try to go to town only once a month, our fuel bill is still not very dissimilar to our monthly supermarket bill and probably our greatest single regular outlay.

And having two cows to milk twice a day means we haven't been able to take a vacation for, oh, 15 years.  Still that's less of a consideration when you live in a place other people take vacations to.

The one problem I have faced with moustachianism is filling the time.   There are always little things to do around the place, but still there are times when, depite everything, having 24/7 free can make boredom a problem.

In his blog MMM treats security in purely financial terms - having a diversified portfolio, a cash reserve, the ability to earn again if necessary - but my ultimate security is that if the shit really, really hit the fan I think I am living in one of the few places in the world today where I could survive in reasonable safety and comfort even if money had no value at all.
Title: Re: Say Hi and Introduce Yourself
Post by: Hextejas on July 07, 2013, 11:00:25 AM
Howdy folks and nice to meet you. I just found your site by chance and still can't remember how I got here.
I am 73, retired and have been so for about 8 years. The Mrs. is 57 and will be retiring at the end of Sept. this year. At least those are the present plans.
What  I worry about every day is if she will have enough $$$ to last her so she won't have to re-enter the labor force at age 85. Longevity runs in her family but she is not so concerned about it. Her philosophy is that if we have to live on less, we will.
We live in Houston, TX with no plans to move.
Hobbies include reading, bicycling, eating at ethnic specialty restaurants, refurbishing old fountain pens and shaving brushes, gardening, vermicomposting, plus others that I no doubt have forgotten.
We both want to try our hand at golf so that is on the bucket list for next year. We are both beginners but she is far and away the better athlete so I am prepared to get my butt kicked.

I am looking forward to seeing what y'all (<----Texas talk), have to say.

Oh yeah, that had to have been the toughest registration process I have ever been through.

Bye for now
Title: Re: Say Hi and Introduce Yourself
Post by: Michelle119 on July 07, 2013, 07:42:32 PM
Hi Everyone!

I found the MMM blog a month or two ago and just finish reading from the beginning of his writing.  Someone on another series of discussion boards enlightened me to this blog.

I am 25, married to my high school sweetheart for almost a year. We live north of Boston in a small town with our 1 year golden retriever. We have some student loan and car debt from our younger days when we first got out of college. We are attacking this debt plus part of mortgage before we have kids. I'm hoping to be a a part-time stay at home mom while still maintaining working as a CPA/real estate sales agent. We are hoping to retire early as well so getting a head in the next few years is going to be key. I'm hoping I will find some new ways in saving money and some like minded people who want to get the best of their lives!
Title: Re: Say Hi and Introduce Yourself
Post by: downstreamvee on July 08, 2013, 09:16:39 AM
*Falls from the sky and lands on face*
*Dusts self off*

So, hello!  I'm Travis.  I've followed the blog for a little while, but have yet to poke around on the forums.

Until today! (Menacing laugh)

I'm 29, right at the cusp of all things 30 and beyond.  People keep telling me that it's a magical time full of sunshine and rainbows and one's life's theme song is perfectly rendered by the Gin Blossoms.

That sound about right?
Title: Re: Say Hi and Introduce Yourself
Post by: Sofa King on July 08, 2013, 10:02:18 AM
Hello everyone! Have been reading MMM for a few months and LOVING IT!!!  Was already doing alot of this but great to hear other people's situations and how they deal with them. I will be 100% DEBT FREE in early 2017 as long as I can keep things going like they are now. I am obsessed with being DEBT FREE!!!  :  )
Title: Re: Say Hi and Introduce Yourself
Post by: Dulcimina on July 08, 2013, 12:01:15 PM
Hi, I'm Dulcimina.  I'm early 40s, office jockey, and small-time landlord.  I'm hoping to quit the rat race by the time I'm 50.  I'm still working on my retirement philosophy though, trying to retire TO something I love rather than simply to escape FROM a job I hate. Would also love to learn basic handyman skills to fix things at the rental instead of just picking up the phone all the time to call a contractor.

I found MMM through ERE.  I'm a little old to be early, and if I was truly extreme, I would have retired already. But MMM seems to fit better with my philosophy of frugality tempered with a few luxuries.

I live in a very small condo that's about 2.5 miles from work.  I will never commute by bike, and by never I mean, maybe.  In the meantime, I take the bus, which gets me there in 20 mins.  Many evenings, I walk home as that day's exercise.  That way, I don't have to worry about being sweaty when I get there.

I take my lunch every day, initially to be frugal, but later because it was easier to eat paleo if I prepared things myself.  It's funny how that one move (paleo) changed so many other spending habits.  For example, I get the Sunday paper for the coupons and to see what was on sale that week before making a weekly trip to CVS or Target.  I'd go to pick up some Coke Zero or M&Ms, and would end up buying a lot of other things that I needed. I just realized today that I don't go to those places anymore, because there is nothing for me there, unless I need toilet paper or deodorant or something.  (Note to self: next time, splurge on the nice toilet paper.  A 24 pack of janky tp lasts a long, long time when you're the only one using it.)

 
Title: Re: Say Hi and Introduce Yourself
Post by: golden1 on July 08, 2013, 12:15:36 PM
Hi,

I have been reading this blog for about 2 months now and I have really enjoyed it!  I am 40 and have a long way to go to retirement but I am more impressed by the philosophy behind "Mustachianism"  of not being wasteful, less consumerism, more thoughtfulness and appreciation of the amazing wealth that we do have being in a first world country in this time in history.   I also, being an engineer, really can get into the whole life optimization idea.  It just suits my personality.

I have made great strides personally in the last year - I had credit card debt (I know!, I know!) that I have finally paid off.  I have been searching for a new goal now that I am cash flow positive.  After reading the blog obsessively for a few weeks I went into action!

June - "consumerism purge" - stopped buying pretty much anything that wasn't necessary - I did a full inventory and purged a lot of items that I didn't use any more which helped me see how meaningless spending just piles up in the form of stuff that just gets forgotten.  I started meal planning and cut my grocery bill from $900 to $650 for a family of 4 without too much problem.  I will continue to keep cutting down. 

July - so far - I broke my spending freeze and bought a bike!  I can't commute yet - my current job is 20 miles from home, but I am on the look out and if I can find a job within 5 miles of my work in my field, I will apply for it.  I plan on using the bike for weekend errands and trips to the library - another thing I did last weekend was renew my lapsed library membership.  I also found a really nice chair for my den on craigslist for $60.  I have always been a big fan of craigslist and got my living room set last summer from them.

This months challenges are related to eating out/coffee shop purchases.  I am going to use the free coffee at work and avoid my $3/day iced coffee habit except for one day a week.  I already bring my lunch most days.  I want to reduce the amount of take out food down to a few times per month. 

I don't think that I will ever get to be as hard core as some people here, but I am enjoying making challenges for myself and slowly working my way to a happier, free life.

Thanks for reading!

Title: Re: Say Hi and Introduce Yourself
Post by: MoneyLifeandMore on July 08, 2013, 04:10:49 PM
Hi I'm Lance! I'm a mid twenties almost married guy (get married in less than 2 weeks). Just thought I'd drop into the forums after reading MMM for a while!
Title: Re: Say Hi and Introduce Yourself
Post by: rocklebock on July 08, 2013, 08:47:10 PM
Hi - I'm one of the zillions of people who were introduced to MMM via the Washington Post, and I've been reading the forums for about a month.

I'm a 37-year-old female and have a job in academia with a decent salary. I've always been pretty responsible with money and have never done anything spectacularly stupid with it. I've also had a mildly anti-consumerist streak all my life. However, I was never particularly aggressive or ambitious about money - I figured if I was paying my bills, saving a bit for emergencies and retirement, and spending the rest on whatever I wanted, I was in great shape. I also just assumed - like a lot of people my age - that I was going to be able to retire at 65 only if I was lucky, and that was just the way life was.

Then I had a bit of an eye-opener last year when I had a Tenant from Hell in a property I co-own with my ex-boyfriend (We bought it to live in, then broke up a few years later - it was amicable - and now rent it out). I lost thousands of dollars to legal fees and rent we couldn't recover. The scary thing was that scaling down my expenses to stay within my means was not painful at all. Which begs the question of what the hell I was blowing all that money on before. This was the first step in seeing that my lifestyle - which many would think was quite frugal - was in fact ridiculously bloated. Discovering MMM was the final face-punch I needed.
Title: Re: Say Hi and Introduce Yourself
Post by: AugsburgMustache on July 09, 2013, 02:44:30 AM
Hi to all the fellow savers,

I found out about The Way of the Mustache about a month ago and since then read through almost all the articles. Very inspiring! It was a real eye opener for me. I always thought to myself that there had to be another way than working for 40+ years of your life. The answer was quite obvious once I read through some of the articles of MMM and I have to admit I felt a bit dumb not noticing it by myself. I am 26 now and living in southern Germany (Augsburg for those who know it).

I started my professional life about 2 years ago after finishing my business degree. No debts going out of university thanks to the low tuition in Germany and working throughout my college years. The salary of my first job was decent enough to afford a very unmustachian sports car and since I was living in hotels due to the job, my other expenses were quite low. But the car sucked most of the spare money out of my account. It is baffling to me how I didn’t notice what was going wrong at that point.

Changed jobs last year with a nice raise of almost 25% and I thought to myself “that shiny car is now even more affordable since I earn more” and I started eating out with friends a lot, since I didn’t have to travel during the weeks anymore. Spending most of my take-home pay on useless crap, I lived on and thought about the next 40 years of my life. Working 5 days a week for another 2000 weeks? Getting up, work, get home, eat, sleep, rinse and repeat? That didn’t sound quite right to me. Thankfully, MMM opened my eyes for the alternative route.

Anyways, I turned around my spending habits and started to think like a mustachian. I recognize the patterns that would have kept me working my whole life everyday now. Decided to sell the expensive sports car about a week after that and sold it just last week. Since I noticed the true money-sucking nature of that fine piece of machinery it felt more like a burden than a privilege to own that thing. It really felt like a heavy weight was lifted from my shoulders once the contract with the new buyer was signed and I held the cash in my hand. I still feel a little sad from time to time when I see similar sports cars on the road. But I just remind myself that those things will keep me in the office for countless years instead of enjoying life and nature as a free person. As you can see, my transformation to a true mustachian isn’t at all complete.  But recognizing my habits helps a huge deal in controlling my the urges until it becomes second nature to be frugal and not be aroused by shiny metal curves and screaming engines.
Additionally, I drastically cut down my eating out spending. I can already feel that my urge to buy new gadgets gets less every day. My old thinking "I have the cash for it, I'll just buy it" now seems ridiculous to me.

I was fortunate enough that I was brought up by two fairly frugal parents (except for the obsession with sports cars of my Dad, which I unfortunately inherited) so I have no debt. I started to save aggressively now and I am currently at a 50% savings rate from my take-home pay. Right now I can’t make the bike-for-car exchange since I am working 50 miles from home. Moving closer to work is not an option right now, since my girlfriend is currently in the process of finishing her PhD in the city we live in. After that is finished, we will both look for jobs in the same town. But rest assured, the commuting car is a 9 year old reliable diesel car that consumes about 4,7l/100km (58.81 mpg for our imperialistic friends) and so far requires minimum maintenance. It’s not the perfect situation for early retirement but in a couple of years this issue should be resolved.

I am currently in the process of convincing my (soon-to-be) fiancée to jump on the same train and the goal is a 70-75% savings rate. But I think I will need one or two raises in salary to achieve this. The taxes in Germany make it hard to achieve high savings rates, but the healthcare system allows for cheaper insurance once I quit my job.

I am also looking into real estate investments but the market is ridiculous right now. Apartment prices are at about 27 times the yearly rent in Augsburg (where I live). I am guessing that in the next 5-7 years the prices will drop significantly. Interest rates will go up (I mean, they can’t go down any further) and most buyers here only fix their rates for 10 years. Since this enormous bull market lasted for about 5-8 years now, this 10 year fixing of interest rates will be gone in a couple of years for most owners. When interest rates go up, some of them won’t be able to pay their mortgages and the selling pressure will correct the prices. Or so I hope…until then, my investments will be purely equity/bond mixes.

Thanks for reading and I am looking forward to some great discussions with mustachians around the world!
Title: Re: Say Hi and Introduce Yourself
Post by: TeddyG on July 10, 2013, 11:28:00 AM
Hi there, I'm Ted from Victoria, BC in Canada. I love the MMM blog and have started to implement some of the great ideas I've read about. First thing I did was sell my F150 truck and tune up my neglected bicycle. Now I'm looking for a replacement vehicle, probably a sweet little Pontiac Vibe that's on my sister's car lot, she sells to me at cost. I'm looking forward to doing some reading on this forum and straightening out my dismal financial situation. Cheers!
Title: Re: Say Hi and Introduce Yourself
Post by: steveo on July 10, 2013, 05:34:27 PM
Hi everyone,

I'm Steve from Sydney Australia. I'm turning 40 this month and want to be financially independent by 50.

I have $211k in mortgage debt with about $400 in equity within the house. I want to pay this off a.s.a.p. A normal time period for myself and my wife is 5 years which is really good compared to most people but definitely not frugal. I'd like to push for 3 years. I've just started reading a bunch of these early retirement/financial independent blogs and want to go from someone who is reasonably frugal to someone who really maximises my income. I also have 3 kids of 11, 9, and 2 (2 boys and one girl).

I want to get up to a saving rate of 80% a.s.a.p. as well but I figure this will take years especially because I'm not going to consider paying the mortgage down as savings even though it really is in my opinion.

At some point the goal is to work 4 days per week with one day per week at home and take 8 weeks holiday per year. I'd like to be what I consider FI prior to taking all of these steps. I already work from home one day per week and sometimes get to do it twice per week. My goal of FI is to be able to live without working and that doesn't mean travelling or spending money on restaurants or anything like that. Basically as soon as I get to bare minimum FI I intend to work less and slowly but surely move towards retirement assuming I am not enjoying my job.

After paying off the home loan I intend to save probably in either a Vanguard cash or stock index account. I really don't want an investment property because I can't be bothered with the hassle. At the same time I will look to maximise my retirement accounts. I figure I can become more frugal and maybe earn more money and that this is a realistic goal.

I'll like to update this say once per year and see how it goes.



Title: Re: Say Hi and Introduce Yourself
Post by: Fine Line on July 11, 2013, 09:54:05 AM
Hello everyone!

I'm Frank and I just began reading these boards recently. Great people, good ideas, and lots to think about. I'm unlikely to retire early but you never know.

I'm definitely still in the rat race and from here, anyway, I don't see any safe exits ahead of me. Maybe, just maybe, I'll achieve FI using some of the good ideas here. I guess I'm being pessimistic but I just can't shake the feeling that another financial crisis is already on the way. I figure my best defense is to achieve as much FI as possible before the next round of BS from Wall St.

I'll keep reading...
Title: Re: Say Hi and Introduce Yourself
Post by: nedwin on July 11, 2013, 10:00:35 AM
Hi everyone,

I'm Ned.  I live in northern Colorado with my wife and two children (2 and 1).  I've been lurking for a while, but have jumped off the fence and joined!
Title: Re: Say Hi and Introduce Yourself
Post by: tpozywio on July 11, 2013, 03:01:15 PM
I'm Tom.  I love taking naps and playing board games
Title: Re: Say Hi and Introduce Yourself
Post by: Bigote on July 12, 2013, 02:21:30 AM

 (Augsburg for this who know it).


Yes, nice town!  I have a friend from there, he lives in Donauworth now.  I visited Augsburg for his wedding some years back.

Welcome to the forum!
Title: Re: Say Hi and Introduce Yourself
Post by: AugsburgMustache on July 12, 2013, 02:31:01 AM
Yes, nice town!  I have a friend from there, he lives in Donauworth now.  I visited Augsburg for his wedding some years back.

Welcome to the forum!

Thanks for the welcome. It is a nice town indeed, but not the cheapest place to live. With the real estate market here I don't think I will be able to pull the same strategy as MMM with his real estate "ventures". Stock indexing will probably my go-to strategy to FI for the next years at least.
Title: Re: Say Hi and Introduce Yourself
Post by: 0cean23 on July 12, 2013, 05:34:46 PM
Hi, I'm William and married with our first child.  Can't wait to contribute and absorb some useful knowledge here on this forum. 
Title: Re: Say Hi and Introduce Yourself
Post by: Ms Betterhome on July 12, 2013, 05:42:08 PM
Hi, I'm Kath, I'm 46, and live in Sydney, Australia, with my 42 year old partner, and our dog. We have no debts other than mortgages (our home, plus two IPs), but we owe nearly $900k on those. We bought our home nearly 3 years ago, and have paid nearly $100k off the principle, as well as doing some necessary repairs, setting up a veggie garden, and installing solar panels & rainwater tanks. We have a good combined household income (about $160k pre tax), and most of it goes towards paying the mortgages, though I contribute an extra $250 each pay cycle to my superannuation fund.

Currently I commute to my job via public transport, and my guy runs a business from a home office. Our goal is to pay down the mortgages, and move out of the city, but still work part-time ( I really love my job, and it pays well, but I need more balance in my life).
Title: Re: Say Hi and Introduce Yourself
Post by: Broke NCO on July 13, 2013, 09:15:37 PM
Hello all,
I've been browsing for a couple of days and figured I should go ahead and register as I attempt to get my 'stache grown.  As far as demo goes I am 32 in the military, married with the first kid on the way.  Needless to say, the realization of the pending arrival of the future member of the Broke NCO household has served as a good first punch to face and has made me sit down and think about what I want out of life.  This little self reflection session ultimately led me the door step of Mr. Money Mustache where I hope to get several good punches to the face on my road to growing one sweet 'stache.
Title: Re: Say Hi and Introduce Yourself
Post by: Rafaello on July 14, 2013, 09:28:34 AM
Hello everyone,
after reading every article and pretty much every comment in the blog, I figured I reached mustache padawan status. So, as I go on (now reading the forum), I´d like to introduce myself.
I am 33 years old. I live in the south-west of Germany, with a lovely wife and 2 kids (one aged 4, the other 1/2 year old). Interestingly, I am an engineer myself like so many other readers (and our Chief Mustache himself, of course).
As we continue our path to early retirement (a concept only vaguely known to many Germans, in fact I still haven´t found a fitting term for "Early Retirement" in German), I look forward to learning from (and sharing with) all of your Mustachians worldwide.
Cheers, Rafaello
Title: Re: Say Hi and Introduce Yourself
Post by: cdan on July 15, 2013, 11:26:24 AM
*stands up*

Hi,
My name is Carsten and my net worth is below zero.

But the journey towards FI have begun, with the goal of accomplishing in ten years, around when I'm 45. Together with my wife, we have trawled through hundreds of blog post, lurked in the forum and now even posting!

I'll leave the financial details for the thread (http://www.mrmoneymustache.com/forum/journals/climbing-up-from-the-hole-the-beginnings/) in the journal section.

See you around!
Title: Re: Say Hi and Introduce Yourself
Post by: MandyM on July 17, 2013, 10:15:48 AM
Hi, I'm Amanda. I'm a 34 yo civil engineer and living in Lexington, KY. I have been reading MMM for several months now and have been obsessed with early retirement for a few years. I was always great at saving my money and setting goals, but MMM has inspired me to work on my badassity. I used to esimate that I would be FI between the ages of 43-45 (which is pretty awesome), but with the MMM blog, I am convinced I can get there by 40 all while going part time by 37 or 38.

I'd like to thank everyone here for sharing/living the dream. Most of the people that I have shared my plan with think I'm semi crazy or maybe even fooling myself, but honestly, I don't really even think I'm trying that hard. I never liked cable TV or commuting to work or dealing with an oversized house. And I'm not even doing things like my own car or home repairs (yet). 
Title: German in NC
Post by: Jacob F on July 17, 2013, 02:05:58 PM
Hi everyone,

I'm Jacob, 27 years old and born and raised in the Muensterland, North-West Germany. I've been very frugal since I got out of school and already acquired a quite nice 'stash that would cover about 70% of my current living expenses through dividends. I'm saving about 60-70% of my current income. Before I read about MMM, I only knew one friend besides me that actually believed in attaining FI at a young age through saving and investing. It's nice to see that there are many others as well.

I'm currently living in North Carolina as an Expat, seeing first hand how a rather rich population like the US' population spends their money on oftentimes unnecessary stuff, while at the same time living Paycheck to Paycheck and being unhappy.

I'm trying to convince my Girlfriend that consuming more carefully has great benefits. Although it's an easy idea, it is a tough sell to most people. Telling her that I'm on track to being FI by the age of 33, she still thinks I'm insane and 'selfish'.

As we continue our path to early retirement (a concept only vaguely known to many Germans, in fact I still haven´t found a fitting term for "Early Retirement" in German), I look forward to learning from (and sharing with) all of your Mustachians worldwide.
Cheers, Rafaello

You can either use "Fruehrentner" for an actual retiree, or "Privatier" for somebody who is financially independent. Both common words, but nobody in Germany may believe that this status is still attainable through normal work.
Title: Re: Say Hi and Introduce Yourself
Post by: Riceman on July 17, 2013, 03:01:08 PM
State Department Foreign Service Officer here.

Strange situation for finances.  Here is what my wife and I paid for some expenses at my last assignment:

Net Income, Me: 5300 (~15% effective tax rate AFTER including FICA)
Net Income, Wife: 600 (paid about 5 dollars an hour for professional work; this is the downside of the foreign service, where you're mostly in third-world countries)

Expenses (2 people) Monthly

Health Care: 250
Housing: 0
Electricity/Water: 0
Internet: 25
Cable: 0
Car Insurance: 75
Car Repairs: 25
Gas: 50
Phone: 10 dollars (combined; we had cheap prepaid sim cards)
Netflix: 10 dollars

Groceries were more expensive than in the U.S., and eating out far cheaper, so we went out 2-3 times per week.

Groceries: 400
Dining Out: 200

Travel: tough to calculate as I only started keeping track in December. The past 6 months we traveled more than normal, so my guess is:

Travel: 800?

So our set expenses were 445 per month, and we spent about 1400 per month on food and travel.  Wow!
Title: Re: Say Hi and Introduce Yourself
Post by: Rook on July 17, 2013, 04:44:30 PM
Hi everyone,

Just started reading the mmm blog and looking into the early retirement type thing. Am working my way through all the articles while implementing as many changes as I can.

I'm an electrical engineer in Waikato, New Zealand and my fiancee is a nurse so between us we have a decent household income. Hoping to supplement this with getting boarders/flatmates into our house to help pay the mortgage.

Are there many NZers on this forum?
Title: Re: Say Hi and Introduce Yourself
Post by: AlmostIndependent on July 17, 2013, 06:31:10 PM
Greetings,

I was turned on to the MMM blog a few months ago by a coworker. I've been leading a fairly mustachian life so far (before I even knew that's what I was doing.) With a little more saving and investing I'm hoping to be totally independent in the next 2 years or so.  It's good to be on the forums. I'm looking forward to connecting with other Mustachians.

Title: Re: Say Hi and Introduce Yourself
Post by: Yokan on July 17, 2013, 08:06:33 PM
Hi guys,

I'm a 25 year old CPA. I started reading MMM in 2011 during one of my 80 hour work weeks at around 2:00 am contemplating what the hell I was doing with my life. I'm currently married to a teacher and we will be done paying off our student loans next month, and our house in 3 years.

On the side I own a couple of rental properties, and my wife has a fledgling photography business. I still cannot convince my wife to live the MMM lifestyle completely any help is appreciated.
Title: Re: Say Hi and Introduce Yourself
Post by: viverl on July 18, 2013, 08:00:59 AM
Hello everyone!

I came across MMM in a news article and have been following him for a couple of months. His words about early retirement resonated with me without me even knowing before that this was what I needed to hear. Since then I have started to think about finances for the first time in my life other than >uh-oh, my giro card doesn't work anymore< every other month.
MMM made me realize that I could easily pay up my student credit (~6000€), which I did just last month. It felt great!

Currently I am working my first year in my first job (Trainee in Regulatory Affairs) after university, it doesn't pay much and I am trying to switch jobs thus I don't have to commute 2h everyday and will get a me better pay. It's really not that easy if you have almost no professional experience!

I am 26 year old and live with my boyfriend in Hannover, Lower Saxony in Germany.

I am looking forward in learning a lot more about financial freedom and meeting other frugal people!
Title: Re: Say Hi and Introduce Yourself
Post by: Woody on July 18, 2013, 08:27:54 AM
I am looking forward in learning a lot more about financial freedom and meeting other frugal people!
Welcome!
A good starting point for any kind of quedtions might be this Multi-purpose thread:
http://www.mrmoneymustache.com/forum/meetups-and-social-events/any-german-mustachians-here/
Best regards
Woody
Title: Re: Say Hi and Introduce Yourself
Post by: newlife14 on July 18, 2013, 08:51:29 AM
Hello Mustachians! 

I found this site through Raptitude and am in love with this concept!  Why don't they teach this in elementary school?  I was a follower of Suze Orman (booo!) and felt like I'd never be able to retire.  So much for thinking for myself.  I've read every word of MMM and am 100% on board.  I have very little debt (student loan for my child) and positive net worth.  Hoping to be FI within 6-8 years.  Like everyone else, I have my own individual goals.  I actually enjoy working, so after FI, I hope to work half the year for a few hours a week, travel and do my own thing the rest of the year.  I really want to "give back", so I think building wells in Africa (or whatever) is more my calling than getting the owner of my current company rich.

I'm a woman in my early 40s, youngest child will be graduating from HS in 6 months, so after that, I'm onto my next adventure. Would love to find a fellow mustachian to adventure with....so if you're brave and looking for someone, too, email me!  This could be fun!

Update July 17, 2014:
It's one day shy of a year since my original post and I'd like to thank MMM for inspiring me to take a risk and follow my dreams.  My youngest did graduate from HS this past December and wants to move west, so we'll be packing up and moving in 2 weeks.  Leaving a lucrative job and having none when I arrive in my new destination is scary, but we know we can do it!  My son, luckily, inherited my adventurous gene and has no worries about what the next few months hold for us.  We also have no arrangements for a place to live when we arrive, but we've always been able to see the humor in less than perfect situations in the past.  I'll now have 2 kids living 1600 miles apart and I have every intention of doing what I need to in order to keep them both in my life as they pursue their own dreams and have their own lives, which means working for myself. 

I think I have a unique perspective on life, so I'm starting my own blog to record my crazy adventures along the way.  Thanks to all MMM readers who have done their part in inspiring me as well!
Title: Re: Say Hi and Introduce Yourself
Post by: aaronpct on July 18, 2013, 12:58:28 PM
Hello,

I'm Aaron and i'm new to the MMM community.  I currently live in Jacksonville, Florida and i'm looking forward to planning out my own MMM makeover after reading through all of the forums and Blog posts.

Title: Re: Say Hi and Introduce Yourself
Post by: Bejni on July 18, 2013, 07:03:46 PM
Hi there,

I'm Benjamin and I'm a Chilean citizen currently living in the Columbus, OH. After being inadvertely following (with a few mistakes) MMM advices most of my life, I suddently found this website through a friend (Who is from Ohio, and right now is living in Chile)

I'm very excited to find a whole community that share the same values about frugality, and constant optimization for happiness. I'm sure I will learn a lot more from you guys.

It's great to finally meet you all!

Regards,
Benjamin
Title: Re: Say Hi and Introduce Yourself
Post by: Russ on July 19, 2013, 06:48:33 AM
Hi there,

I'm Benjamin and I'm a Chilean citizen currently living in the Columbus, OH. After being inadvertely following (with a few mistakes) MMM advices most of my life, I suddently found this website through a friend (Who is from Ohio, and right now is living in Chile)

I'm very excited to find a whole community that share the same values about frugality, and constant optimization for happiness. I'm sure I will learn a lot more from you guys.

It's great to finally meet you all!

Regards,
Benjamin

Welcome to the 'bus! Check out our meetup thread (http://www.mrmoneymustache.com/forum/meetups-and-social-events/columbus-oh-area/); there are a few of us around town and we love meeting new folks.
Title: Re: Say Hi and Introduce Yourself
Post by: froo gal on July 19, 2013, 09:10:46 AM
Hello,

I’m froo gal in Ottawa, Ontario.  I found the MMM blog about a year ago after a spot on CBC (Canadian Broadcasting Corporation) radio and have been following ever since.  I love the attitude and philosophy of the blog. 

At renewal time my husband and I (both aged 34) increased the mortgage on our house (rate of 2.95%) to purchase 100 acres of land near Ottawa.  This was a life dream/goal for both of us and it feels great to have accomplished it.  Besides the mortgage we are otherwise debt free and prepay on our mortgage each month in addition to the regular bi-weekly mortgage payments.  We plan to have the mortgage paid off in five years.

I read “Your money or your life” a little while back which really changed my perspective. We already try to be frugal – no cable/TV, low utilities, minimal restaurant meals except special occasions, no travel, no cell phone for me (husband has one for carpentry business), I walk to work.  Our hobby and focus is our land especially growing our own food and doing free activities in the surrounding area (hiking, canoeing).  However, I think we still have a lot to learn, especially about investing.  Also, we are expecting our first child in the fall which change our focus somewhat…

We have quite a ways to go in terms of achieving financial independence but it will be much easier to invest large sums of money after we are mortgage-free. I'm already investing in Canadian mutual funds, RRSP and I have a very generous pension plan with my employer but we're thinking in terms of rental property in the near future.  I'm afraid of the stock market which is a definite weakness...
Title: Re: Say Hi and Introduce Yourself
Post by: Joe Collins on July 19, 2013, 10:48:29 AM
Hi everyone,

I am a 23 year old living in Florida; Like most people, I was under the impression that you 'have to' work for the rest of your life until you get old, and it just didn't feel right that life should be that way.  I stumbled onto MMM searching for grocery prices of all things, and my mind was blown.  Of course in hindsight it seems like 'duh,' just stop spending so much and you can retire quickly.  I have always been frugal-centric, yet I never considered the possibility of FI.  I guess that goes to show how powerful the influence is when everyone around you is doing the opposite.  Anyway, I am completely on board with early retirement.  And my eyes have been completely opened to the wonders of bicycles.
Title: Re: Say Hi and Introduce Yourself
Post by: livetogive on July 19, 2013, 11:30:09 AM
Hi, I'm Matt.

I live in Northern California and am new to MMM but love it.  I work in financial services and tinker with vehicles and electronics on the side, so I'm hoping to learn a few new tips from other posters as well as share some of my own!
Title: Re: Say Hi and Introduce Yourself
Post by: MissMimi on July 20, 2013, 04:22:19 PM
Hi all, I'm Jen.  I've been reading MMM since almost the beginning and am trying to give up my bad habit of lurking.  I'm 42, single, living in the Boston area and have some serious making up for lost time to do.  My only debt now is my mortgage, but this comes after years of bad financial decisions (two bachelors degrees leading to student loan debt and delayed start of my career; maxed out credit cards; a car lease, etc.).  Career-wise I have a great, well-paying job with good security and benefits, but I could get a new job pretty easily if that ever went away (I'm an RN in the long term care field).  I'm way too late for ER but hope to become FI someday so that my twilight years as a crazy cat lady are comfortable...OK, I only have two cats so my "cat ratio" is still within normal limits. :-)
I'm so glad to become a part of this great community-hopefully I'll have something useful to contribute!
Title: Re: Say Hi and Introduce Yourself
Post by: Iteration on July 20, 2013, 08:25:04 PM
Hi Everybody,

I'm a 23 year old male living and working in Detroit, MI. I've been planning for early retirement for most of my college career and the path doesn't look too bad.
I'm currently making $65k per year before taxes and will likely be able to save around $38k this year (which is 80% of my after tax income).

In the field I'm working in, I expect my salary to increase by about 10% per year for the next few years. While keeping my cost of living down, I calculate that I should be able to become financially independent in 5-6 years, and I will be retiring in 10.
Title: Re: Say Hi and Introduce Yourself
Post by: cluelessnnc on July 21, 2013, 12:19:58 PM
Hello,

I'm a 34 y.o. living in Durham, NC.  My husband and I have two kids, a dog, and a cat.  We're a completely modern family on the brink of leaving the world of employment and venturing out on our own (I left my job 6 months ago and my dh will leave his in December). We'll see how well we do without a paycheck or employer subsidized health care. 

Our goal has never been to be wealthy but instead to do more with less.  Smart and ecologically sound living while still enjoying a few expensive pursuits such as travel.  I'm not an exact fit here but I'm here to learn and cause as little trouble as possible so hopefully that won't be a problem.  :) 
Title: Re: Say Hi and Introduce Yourself
Post by: MelodysMustache on July 21, 2013, 01:51:15 PM
Hi!

I am a 45 year old empty nester single mom.  I am also a computer engineer so MMM is a kindred soul.  I am at a point in my life where I am really looking to improve my saving and investing, and I am sadly realizing that I let too many years of consumerism slip past.  I want to go from a place of having a reasonably comfortable normal age retirement, to retiring at 60 (or possibly earlier if I can manage it).
Title: Re: Say Hi and Introduce Yourself
Post by: bonjourliz on July 22, 2013, 11:39:09 AM
Hi!  I'm Liz, mom of 2 young kids - DS is almost 4 and DD is 17months.  I discovered MMM a few weeks ago, around the same time we switched from my husband's homemade budget worksheets to YNAB.  This sure has been eye-opening! 

My husband and I both work full time.  We have been careful with our money for several years now, but have really buckled down in the last month or so -- since finding MMM. 

Glad to be here!
Title: Re: Say Hi and Introduce Yourself
Post by: Jerod on July 22, 2013, 12:00:12 PM
Hello, I'm Jerod, I'm 24 live north of Boston, work further north of Boston, and I am about a week away from paying off my student loans.  I had been paying them off aggressively by the standards of everyone I knew for a while, but then I started reading MMM and I decided that I wanted them gone.  I've never owned a car and am trying my best not to (unless I decide to live in one for a while).  My plan as of right now is to save money for the next couple years at my 62k/year engineering type job and then quit and try joining a circus or becoming a climbing guide or maybe going for a long bike ride.  This had all been the plan before I started reading MMM, but this site has really helped me refine my goals and understand that I was wasting both time and money doing certain things (ERE helped too, though I started here).

So thanks for the insights, I look forward to getting involved in the community and learning/doing even more.
Title: Re: Say Hi and Introduce Yourself
Post by: curler on July 23, 2013, 10:04:15 AM
Hi!  I've been reading the blog for a while, and just joined the forum.  I'm 23, and single. I live in the metro DC area.  Just trying to learn all I can.
-Eric
Title: Re: Say Hi and Introduce Yourself
Post by: FormFillingVexesMe on July 23, 2013, 11:36:24 AM
My real name is Richard, but filling out forms really does vex me. I started using Lastpass recently and it is quite good at filling out forms, but not perfect. Web designers all think they have to be original.

I joined this forum because I want to retrofit my 40 year old ranch house in Arizona and bring it to net zero energy. So many improvements could be made, but the problem is knowing how to maximize expenditures. I have a list of 20 things I could spend money money on. I did make the leap to solar a few years ago and that is paying off.

What I really need is the "mother of all spreadsheets" where I could list all the parameters of each possible  expenditure and then play "what if". I'll bet such a decision matrix exists somewhere, but so far I have had no luck finding it. Perhaps if it does not exist, members of this forum could create what we all need.
Title: Re: Say Hi and Introduce Yourself
Post by: calskin on July 23, 2013, 06:04:42 PM
Hey everyone,

I've been reading for a while now.  I started at the beginning and I'm up to "Dude, where’s my 7% Investment Return?" (I'm a very slow reader.)

I'm from Alberta Canada which is a VERY materialistic area because of all the oil.  I'm 30, and I'm working on changing my thinking patterns around to be more frugal so I can get out of debt and start saving.  From what I'm reading, I'm getting a later start than a lot of people on here, but I figure, I'm better off starting now than never.

Looking forward to getting to know some of you.

Cal
Title: Re: Say Hi and Introduce Yourself
Post by: rob in cal on July 24, 2013, 09:15:12 AM
Hi, I'm Rob from California. We are big savers, have been for all my married life of 20 years.  I love to hear other peoples stories and successes.
Title: Re: Say Hi and Introduce Yourself
Post by: RonSwanstache on July 24, 2013, 09:21:04 AM
Hi everyone,

I'm Ben and a 41 year old guy from Ontario. I have a wonderful wife and three beagles. I'm semi-retired because of the real estate investments I've made (they pull in a modest income and cover about 1/3 of our total expenses), but my big goal is to implement mustachian principles so that both my wife (a teacher making $90,000) and I can reach true financial independence in the next five years.

My current project is paying off about $10,000 in consumer debt. Once that's gone, it will be ramping up our savings so that we can funnel more into our RE investing.

As for changes already made as a result of reading this fantastic blog and forum, I've become an avid cyclist and now commute everywhere within our city to run errands, etc. I've also learned how to cut my own hair at home and have started fixing things that I would have normally thrown out and replaced with new. Kijiji and Craigslist are my new best friends, and my next goal is to transfer my leased 2012 Kia (it's sat in our garage untouched for two weeks!) so that we can go down to driving one car – our very mustachian Toyota Echo hatchback!

My wife's not quite on board yet, but I think I can bring her around at least part way! :)

Anyway, glad to be here!

Ben
Title: Re: Say Hi and Introduce Yourself
Post by: CA_guy on July 24, 2013, 11:10:40 AM
Hi Everyone,

I am a 35yr old  from the beautiful CA. I want to thank MMM for putting together a wonderful online community for like minded people. I came to know about MMM thru Yahoo's Financially Fit webcast.

Have a great day everyone.

Thanks,
CA_guy
Title: Re: Say Hi and Introduce Yourself
Post by: Tony_SS on July 24, 2013, 12:51:15 PM
Hello folks, I found the MMM blog from the Yahoo story, and am glad I did.
Title: Re: Say Hi and Introduce Yourself
Post by: Kipp on July 24, 2013, 02:43:03 PM
Hi,

My name is Kipp.

I am 26, looking to buy my first home with my wife and looking to pay off that plus other debts to become FI.
Title: Re: Say Hi and Introduce Yourself
Post by: some1 on July 25, 2013, 05:50:05 AM
Hello,

I'm some1. I live in Germany, together with my wife and our little baby son. Found this website about a month ago, and absolutely love it! I've always been an economical person, but MMM really inspired me to plan my finances even more accurately in order to reach financial independence. We're on a good way, but continuously adapting to the changes in life and always finding a good balance between enjoying the present and saving for the future is a true challenge. I'm optimistic, and I think this is most important.

Enjoy your day :-)

 
Title: Re: Say Hi and Introduce Yourself
Post by: unibum on July 25, 2013, 07:39:33 AM
Hey I am from Aus uni student love this site. Thanks
Title: Re: Say Hi and Introduce Yourself
Post by: viverl on July 25, 2013, 10:13:39 AM
@some1: another fellow German! Welcome! We have a thread concerning German MMM followers, why don't you join us? :)
Title: Re: Say Hi and Introduce Yourself
Post by: aflacnerd on July 25, 2013, 10:26:52 AM
Hi,
  Discovered this site yesterday. We are a family of three living in US East coast. We have been carefull with money
but this site has been eye opening. We plan to save more.
Title: Re: Say Hi and Introduce Yourself
Post by: MoneyCat on July 26, 2013, 08:20:03 AM
     Hi, it's nice to meet everybody.  I saw the video on Yahoo's main page and I started reading the blog a couple of days ago.  I'm really impressed by the blog and I think this would be a great community to be involved with.
     Money has been a problem for me in my life, largely because I grew up in poverty and had no role models to teach me to manage it properly.  There were also no classes in personal financial management in high school, so I stuck with the "spend everything now because it may be gone tomorrow" model of life that I learned growing up.  This led to me financing a worthless BA in English and a useful Master's in Teaching at a state university entirely in federal student loans at 5.5% which has left me with over $70k in debt.  My complete ignorance in financial matters led me to default on my student loans after college and destroy my credit.
     When I turned 30, I finally got it together enough to start fixing my issues.  I joined the MyFico message boards and learned to get goodwill adjustments from banks on missed credit card payments, rehabilitated my student loans and let the negative flags age off the accounts.  I started following the advice of Suze Orman and purchased several of her books, which led me to live a much more frugal life living beneath my means with an emergency fund.  I own my car flat-out and it is a very fuel-efficient hybrid.  We shop online using high rewards credit card malls and at warehouse stores to save money.  We're also moving to a more bicycle-friendly area of our city close to the library which should save us a lot as well.
     I am really impressed by MMM's story and I would love to be able to live that kind of life too.  I'm joining the forum to learn more about how to accomplish my goals and hopefully retire early with a happy, prosperous retirement.
Title: Re: Say Hi and Introduce Yourself
Post by: scarab007 on July 26, 2013, 02:35:08 PM
Hello everyone and great to start meeting.   I too am a money saving freak and looking for more guidance and knowledge on the subject.  I live in the Bay Area with my wife and it is getting interesting.  Compound interest is showing results! 

Great stuff on here for the articles I have already read. 
Title: Re: Say Hi and Introduce Yourself
Post by: MacGuffin on July 26, 2013, 11:27:00 PM
Just wanted to introduce myself to the forum. I'm 30 years old, single, and just starting to get into this frugal lifestyle.

I'm in a good starting position. I've got a Bachelor's degree in Science, no debt, and a modest $40,000/year job. I've always hated shopping, and have never had a strong drive to accumulate material goods. In the past year, I've given up my car, started bicycling everywhere, and lowered my rent by $100/month. I'd say my savings rate averages 30% already, but I want to keep bringing this up. My target cost of living is about $15,000/year or less, and I think it's attainable.

I've got three main spending goals I need to work on:

1.Rent: I have far more space than I need. I need to work on getting rid of things, so that I can move easily and live in small rooms easily.

2.Cellphone: A stupid, clown purchase that cost me about $3000 over the past 3 years. Getting rid of it this November.

3.Food: although I almost never buy things, I have a big weakness for convenience spending. I've eaten so much fast food during my twenties that I'm amazed I'm still at a reasonable body weight. During the past month, I've really focused on kicking this insane habit. The fast food is gone, but I still have a lot to do in the saving money on groceries department.

As far as careers go, I'm not sure retirement is my goal yet. I'm not planning to raise a family anytime soon, and I think the world of work still has plenty to offer me. I guess my goals are to build up a level of wealth that I can confidently leave my job for something lower-paying but more interesting, if I should ever feel the need to. I want to let my career flow in whatever direction it takes me, without having to worry so much about money.

Looking forward to it!
Title: Re: Say Hi and Introduce Yourself
Post by: FrugalZony on July 27, 2013, 12:47:54 AM
My real name is Richard, but filling out forms really does vex me. I started using Lastpass recently and it is quite good at filling out forms, but not perfect. Web designers all think they have to be original.

I joined this forum because I want to retrofit my 40 year old ranch house in Arizona and bring it to net zero energy. So many improvements could be made, but the problem is knowing how to maximize expenditures. I have a list of 20 things I could spend money money on. I did make the leap to solar a few years ago and that is paying off.

What I really need is the "mother of all spreadsheets" where I could list all the parameters of each possible  expenditure and then play "what if". I'll bet such a decision matrix exists somewhere, but so far I have had no luck finding it. Perhaps if it does not exist, members of this forum could create what we all need.
Have you considered an energy audit? There are several companies in the valley that offer this service and APS/SRP have rebates on the fees.
They help you identify where your areas of biggest energy waste are so you can prioritize where to spend your $$ first.
Good luck with your endavour!
Title: Re: Say Hi and Introduce Yourself
Post by: PapaJoe on July 27, 2013, 09:39:12 AM
I'm here to help my sister-in-law whose husband recently passed away.  As I shared in my first post on the YNAB vs. mint.com thread, she has a 5 ear old and gave birth to their twins the day after his funeral.  Truly a tragedy and she's in a financial mess.

She has a boatload of financial issues that need to be solved and has never handled the money/bills, etc.  Her husband did it all.  First lesson I learned trying to figure everything out is this: keep records of websites, passwords, financial tools, logins, etc  and share with your partner.  It's been an absolute bear trying to find the bills, pots of money, debts.  Her husband had 11 jobs in 15 years of marriage and trying the find 401ks, stock options, hidden benefits like potential for otherr life insurance has been tough. 

I hope hope that those reading this will help pay it forward by helping me to help my sister in law find a good path.
Title: Re: Say Hi and Introduce Yourself
Post by: mpg350 on July 27, 2013, 08:48:59 PM
Just want to introduce myself.

I can relate with alot of what MMM states and my wife and I of two years are saving around 60% of our income maybe more
making a combined about 150k a year.

We have never had issues with debt really.  We are both frugal and really just starting to get into investing with Investors Business Daily with some good success.

I like reading this blog for maybe someways we can fine tune our spending and maybe save 70% or more. 

Title: Re: Say Hi and Introduce Yourself
Post by: n00z on July 29, 2013, 03:33:12 PM
Howdy Gang!

Kansas Bred Boy living & working in the Chicagoland area.
Ive been reading A LOT about personal finance over the years, looking for others with a similar passion and thinking process.
Then, I found this blog and BAM, it has all clicked.

So, in a nutshell my wife and I have pulled ourselves out of some bad mistakes and some ridiculous debt.  We are currently saving over 30% of our income and in a few months will be in a spot to save over 50%.
All from a big nudge after reading this blog.

I do not live close to work due to better value and schools in the Chicago Suburbs, but I do not drive to work (another behavior change after reading MMM).
I ride my bike to our local train station and I ride a Divvy bike to my office in Downtown Chicago. Divvy bikes are a new bike sharing system in Chicago and it has changed my commuting life.  It's great.

So, Im glad to be here and look forward to learning more and contributing to this really rad community of like minded peoples.

Title: Re: Say Hi and Introduce Yourself
Post by: SavingMon(k)ey on July 29, 2013, 07:03:32 PM
Hi, I'm a 33 yo woman in Denver, CO. I live here with my partner, soon to be wife (getting married in WA in the fall!). We are under contract to buy our first house. I'm a public school teacher (for now), she's a physician (somewhat mustachian already...).

I grew up in Brazil with German parents, and my parents and grandparents handed down lots of mustachian values. Somewhere along the way I forgot to think about them and spent too much money and bought too many things. I'm loving this site 'cos it's bringing me back to my origins, and I hope to become a lot more mustachian in my actions, not just my thoughts.

I'm doing this for myself but also in honor of Oma and Opa Langebach (grandma and grandpa) who lost EVERYTHING they had in  WWII, but rebuilt their lives through lots of badassity. They are the reason I don't have student loans. They are long gone, but I will remember them every step of this process.
Title: Re: Say Hi and Introduce Yourself
Post by: umm...Megs on July 30, 2013, 10:41:17 AM
Hello...

I'm a twenty something that got fed up with mainstream media planning tools assuming no one my age saves for retirement! ...Then I found MMM, and much happiness ensued.

<nods head politely>
Hello!
Title: Re: Say Hi and Introduce Yourself
Post by: Silvie on July 30, 2013, 01:18:26 PM
Hi I'm Silvie.

I'm from the Netherlands. Just learned about this blog last week and very excited to grow my money mustache! As a full time freelancer, I don't have a fixed monthly income, so it's quite a challenge but let's see how it goes :-)
Title: Re: Say Hi and Introduce Yourself
Post by: FIence! on July 30, 2013, 01:27:13 PM
Hi,

It turns out my husband and I have been becoming Mustachian for the past couple of years, but just didn't realize there was a name for it, much less a movement. We met in expensive New England, and decided to move to the inexpensive Midwest to save some money. Since making a move that slashed over $1,000- a month off our monthly housing cost alone, the most common refrain we've heard from these friends and family members is a disdain-filled variation on, "How can you live like that?" ("How can you live in a such a small house?" "How can you live in a place without a Whole Foods?" "How can you live without cable?") I'm looking forward to learning more and getting to FI even more quickly, so that I can one day think, "How can you live paycheck to paycheck when you should be retired?"

April
Title: Re: Say Hi and Introduce Yourself
Post by: AlmostIndependent on July 30, 2013, 02:31:56 PM
Hi,

 the most common refrain we've heard from these friends and family members is a disdain-filled variation on, "How can you live like that?" ("How can you live in a such a small house?" "How can you live in a place without a Whole Foods?" "How can you live without cable?")

I get the same questions about living in Alaska. I tell people it's really not bad. Mostly people don't get it.
Title: Re: Say Hi and Introduce Yourself
Post by: banjopete on July 30, 2013, 06:00:43 PM
Hey everyone,

I've been reading for a while now.  I started at the beginning and I'm up to "Dude, where’s my 7% Investment Return?" (I'm a very slow reader.)

I'm from Alberta Canada which is a VERY materialistic area because of all the oil.  I'm 30, and I'm working on changing my thinking patterns around to be more frugal so I can get out of debt and start saving.  From what I'm reading, I'm getting a later start than a lot of people on here, but I figure, I'm better off starting now than never.

Looking forward to getting to know some of you.

Cal

Hi Cal,

I'm new and also from Alberta (Edmonton), I looked on the mmm map and there aren't many in Alberta so happy to see another.  I went to school late, graduated at 32, owe the government money for my degree and diploma (I know, I know) but that 26k hit has taken me 14 months and counting to knock down, 6-ish months left and then it's snowball time I hope. 

I love the blog, and felt compelled to join in after enjoying the wicked thai curry squash soup yesterday and being about halfway through all the posts.

Keep it up and I'm glad to know not everyone is crazy out there, it gives me hope
Title: Re: Say Hi and Introduce Yourself
Post by: teagnome on July 31, 2013, 10:27:29 AM
Hello all!

Greetings from Palmer Lake, Colorado. That's the most anti-mustachian thing about me: I commute south to Colorado Springs and DH commutes to Denver. But we love it here and aside from commuting, try to live with a small footprint. I've been browsing the blog and forum for about two weeks and like what I read. Stumbled onto MMM because someone in YNAB's forums mentioned it. I am liking their software and all but this community is my favorite so far.

I've student loans I need to hack away at but am proud to say I sold my financed car a week ago when I first started reading here. I have a little left because it wasn't worth what I owed but the leftover is so much more do-able than the 10k that wasn't going anywhere. Now I'll use the pickup and while gas will be a bitch, it beats payments and super-grade gas for the one I sold. I will consider looking at the neighborhood school next year and see if reduced commuting compensates for the pay cut I'd take.

Meantime, glad to have stumbled onto these forums and MMM. Best to everyone!
Title: Re: Say Hi and Introduce Yourself
Post by: backyardfeast on July 31, 2013, 09:55:28 PM
Hi all,
Been lurking for a while, but I've started participating in the discussions and thought I'd better introduce myself.

I've always been a bit of a minimalist, and always been more interested in living than working.  I discovered YMOYL in my early 20s, Jacob at ERE in my early 30s.  Problem was, I was a student forever, and never made any $ to save! Now that I finally have a good paying, stable job, I'm refocusing on FI.

Hub is 50 this year, I'm 40, so we're getting a late start, and we're in a high COL area in BC with some "structural" expenses that are high and that we can't see a way around right now: long commutes, expensive housing, etc.  But we're on the homesteading, DIY train too, which helps.  We're aiming to be able to go down to part-time work in 10 yrs (or as soon as we pay off a house), and retire in 15 or so.  Wish us luck!
Title: Re: Say Hi and Introduce Yourself
Post by: MustacheMatt on August 01, 2013, 11:58:15 AM
MustacheMatt here,

I stumbled across this blog and it felt like home.  I've been devouring at least one full blog page per day, and convinced my father to start reading too!  We've been laughing over the phone about so many Mustachian things we've done over the years.  It's heartwarming to know we're not alone in hating to wait in lines, wasting money, and finding happiness in less.

This blog has helped me realize that my financial skills can be honed even sharper, and i'm looking forward to an earlier retirement some day! 

MustacheMatt

P.S. - Very appreciative of the "how to tell the spouse" about this stuff, more is always welcome!
Title: Re: Say Hi and Introduce Yourself
Post by: MilwaukeeStubble on August 01, 2013, 02:45:03 PM
Realized I never did this.

I'm Kevin
 >Hi Kevin
I'm 22, in Yankee Hill, Milwaukee, WI, USA.  Computer Engineer by degree.  I found MMM a couple years ago through HN and have been a lurker basically since then.  Now that I've graduated I'm trying to live a 'Mustache Lite' lifestyle while I figure out where I'm going to be in five years.  So far I'm doing well, on track to save 40-50% of my take home pay this year depending on how the next few months go.

Nice to meet Y'all.

P.S. Milwaukee - Chicago - Madison meeting in the works: http://www.mrmoneymustache.com/forum/meetups-and-social-events/wi-milwaukee-madioson-chicago-let's-meet-up!!/
Title: Re: Say Hi and Introduce Yourself
Post by: stacey44 on August 01, 2013, 04:56:05 PM
Hello, I just found this site and find it quite fascinating and helpful.  After reading through some of the articles and posts, I know I have tons of work to do on our budget and so many ways I can improve.  My husband and I have been saving since we graduated from college.  You could say that we are big savers as well as big spenders.  I am retired and my husband would love to retire in 10 years.  We are both in our mid 40's and have two children ages 12 and 14.  I am shocked at how much wasteful spending we currently do and can't wait to use the tips I have learned so far from this site.

My first question:  I have read about the 4% rule and am using that to determine what our savings goal should be.  When I multiply our current yearly expenses by 25, it gives me a figure.  When I multiply that figure by the 4% withdrawal rate, I get exactly my yearly expenses.  But that figure will not cover my yearly expenses because we will have to pay taxes on that income which will be a large additional expense.  (Most of our retirement money will come from non-retirement savings accounts).  So, wouldn't I need more than a 4% withdrawal?

Title: Re: Say Hi and Introduce Yourself
Post by: nanidude on August 01, 2013, 07:38:44 PM
Hi, I am Nanidude, an aspiring Mrs M.

 I am married and we are young empty nesters, in our mid 40's, living in Colorado and ready for the next phase of our lives. So happy to have found MMM and the Mrs M! We are sick of working our high paying jobs in a crappy industry and are looking for advice.

We both make >$100K per year, combined 401k's of 350K (should be more but early 30's killed us and we had to start over), Portfolio Investments of 100K and personal cash savings of about 50k. We have only Mortgage debt and 1 stinky PLUS Student Loan of 26k left.

We have our primary home with a 169k mtg and a rental with a 75k mortgage that is rented but barely covers the mtg.

We hate our jobs but we are trying to figure out if we should quit or wait to get laid off so we can get the severance which would be a decent package. In our industry, lay offs are common though we have not been lucky yet, argh! So, should we quit these life sucking jobs and start new lower paying but fulflling jobs while we pay off our mtgs or do we konk ourselves on the head, be thankful we are making good money and keep working these crappy high paying jobs until we get laid off or pay off our mtgs, which ever comes first??????

Then, what is the best way for us to generate the most income from what we have already socked away while working these lower paying jobs or even, BIG DREAM, retiring now and getting on with the great life?

We are all about living green when possible, the great outdoors, frugal but awesome travel and finagling for huge discounts and always looking for a better deal. I plan to continue reading these forums and blogs searching for the answer and appreciate all of the great ideas, inspriration and advice.


Time to grab a cool beverage and keep on reading!
Title: Re: Say Hi and Introduce Yourself
Post by: Xavier on August 02, 2013, 11:36:16 AM
Salutations Mustachians,

I'm early 40's, currently single and live in Canada.  Work for the gov't doing some sometimes cool stuff and sometimes ulcer-inducing, drive me over the edge stuff.  Earn a decent living, but I'm a long ways away from what MMM was making before he retired.  Thankfully I've been living below my means, so I'm trying to gain some ground.

I was told about this site from a colleague a few months ago.  I've decided to try to really buckle down and see if I can't clear off my mortgage this year.  I know this won't be universally agreed as the wisest idea given the present low interest rates, but it's a personal decision.  I decided to go the extra step of creating a profile to try to make myself more accountable and disciplined.  In general my behaviour falls short of pure-Mustachianism, even adjusted to my own personal situation, but my goal is just to meet my initial financial goal, and learn as much as I can along the way.

Cheers,

X
Title: Re: Say Hi and Introduce Yourself
Post by: COMO on August 02, 2013, 02:03:03 PM
Hi everyone,
Been reading for a while so I figured I may as well sign up.  I am married with no kids yet.  We moved from MO in 2007 to Grand Junction CO and have settled here.  Love reading the blog post and look forward to getting great input from you all as the Mrs. and I progress along or new financial plan.

Thanks
Garrett (COMO)
Title: Re: Say Hi and Introduce Yourself
Post by: Yellow_Magic on August 04, 2013, 03:33:02 PM
Hello All,

I'm in my early fifties, work as a lawyer in central Jersey, and just found out about this place.  My goal is to retire, or semi-retire while teaching English in SE Asia.

Looking forward to learning about frugal living among other things while here.

Title: Re: Say Hi and Introduce Yourself
Post by: sherr on August 05, 2013, 07:21:43 AM
My first question:  I have read about the 4% rule and am using that to determine what our savings goal should be.  When I multiply our current yearly expenses by 25, it gives me a figure.  When I multiply that figure by the 4% withdrawal rate, I get exactly my yearly expenses.  But that figure will not cover my yearly expenses because we will have to pay taxes on that income which will be a large additional expense.  (Most of our retirement money will come from non-retirement savings accounts).  So, wouldn't I need more than a 4% withdrawal?

Sort of, really you should include taxes as one of your expenses, and you should multiply your total expenses (what you spend + taxes) by 25 to get the number you're shooting for. And taxes might be less than you expect, if you retire your "income" would probably be less and might drop you down a tax bracket or two.

If you want a more detailed answer you should probably post your question as its own topic in either the General Discussion or Ask A Mustachian sections. Welcome!
Title: Re: Say Hi and Introduce Yourself
Post by: omegashop333 on August 06, 2013, 02:33:25 AM
Hi,
Plans: Retiring early.
Bye
Title: Re: Say Hi and Introduce Yourself
Post by: seattlecyclone on August 06, 2013, 02:27:11 PM
Hi everyone,

I'm in my late 20s, married, no kids (yet), with a software job and a high savings rate. I have been living a mostly-Mustachian lifestyle before I even knew what that meant. I'm looking forward to conversing with you all about the journey to financial freedom.
Title: Re: Say Hi and Introduce Yourself
Post by: peezy80 on August 06, 2013, 08:21:04 PM
Hey what's up everyone my name is Perry, I'm 32 years old. Just found out about the mustache community about 2 weeks ago and have been hooked ever since. After reading so many of the post I now have some direction on where I want to go in life financially and as a person. Hope to talk to some of you soon !!!!
Title: Re: Say Hi and Introduce Yourself
Post by: johnnyp on August 06, 2013, 10:36:32 PM
JohnnyP is the name, Financial Independence is the goal.  My god I have certainly done things ass backwards up until this point.  That's all changing as of 10 days ago when I was told about this blog by a good friend.  This shift in mindset will change our lives.

Here's to the journey!
Title: Re: Say Hi and Introduce Yourself
Post by: MadeInMansfield on August 07, 2013, 04:43:01 AM
Hi Everyone

I'm Tim, a long time listener, first time caller.

I'm currently working out how to take the next step into early retirement and financial independence. I'm married with no debts, no kids and no mortgage. Currently on track to retire in about ten years time aged 50 but I would *LOVE* to bring that date forward if I could.

I live in the beautiful county of Worcestershire (home of the sauce) in the UK. Looking forward to sharing some tips on living better for less.

Tim
Title: Re: Say Hi and Introduce Yourself
Post by: PlayOutside on August 07, 2013, 02:38:47 PM
hi!
      I am 39, married with 4 kids that I like to make "PlayOutside"!  I started a journal and am looking forward to being more accountable to myself. It's not an excuse, but I feel like we have been on auto-pilot for the last 10 years- raising children is like that, I guess. (too bad that we weren't auto-piloting 1/2 our paychecks to investments every month....)
 Well, all the stars have finally aligned and here we are at MMM- so I'm ready to start my journey!
Title: Re: Say Hi and Introduce Yourself
Post by: och4 on August 08, 2013, 08:43:41 AM
Hello all!
I am came from the yahoo article and I have been none stop reading since than. I am 26 year old, male, and I was always kind of frugal and had a hint of Mustachian in me. I just didn't know how to hone my skills. I really wish I started earlier, but oh well, I have been saving 25% to 35% before taxes and after for a long time. And now I am aiming for 50% from my take home pay and then 80% is the best goal. I need to move and start commuting by bike first [I am already actions of executing this plan]. However I believe I am a weekend warrior as I try to live my weekends as if I am actually retired without a care in the world. I bike a lot and I have a nice list of things to do and improve on. This alone has made me truly more happy than I have been for a long while. Saturday night? No problem, we got Sunday. Sunday night? No problem, we got a nice book to read.

It's so nice. :)
Title: Re: Say Hi and Introduce Yourself
Post by: TRBeck on August 10, 2013, 02:37:53 PM
Hello, all.

 My wife and I have been talking about a more Mustachian lifestyle for some time, for a variety of reasons, even before we read any of the blog. Having read most of it in recent weeks, we are getting the ship righted. Two kids, some stupidity debt, no student loan debt, and no mortgage (renters for now). The road ahead is neither easy nor particularly short, but we both make decent money and have some skills that will help us a great deal - I make our family's soap, and I cook well enough that we prefer insourcing the cooking, and both of us are capable learners on other DIY projects.

Good to be here. Lots of knowledge on the forum, and I look forward to learning and contributing where I can.

Best,
T
Title: Re: Say Hi and Introduce Yourself
Post by: SonicReducer22 on August 11, 2013, 11:00:20 PM
Hello,

Long time reader, first time forum poster. Since June 2012, I have started to take control of my finances after a few years of being a financial idiot. I have been reading blogs like MMM and I finally wanted to ask some questions. I WANT to be financially independent. I can go either way on the retire early part (It would be nice if that was an option eventually). Anyway, I wanted to see how my current financial standing stacks up (see my one post so far) and to see if I can get any recommendations on how be better, how to get better.

Really excited to learn more from everyone on how to be financially sound. I love hearing other people's stories of triumph in this area.


-Sonic
Title: Re: Say Hi and Introduce Yourself
Post by: sleepyguy on August 12, 2013, 01:29:52 PM
Hi everyone.  Canadian user here... silly I had no idea a forum existed (been a lurker on the site for about 3mths now) :)

Bit about me and my spouse.  We live in a fairly expensive (big no no, but it is the cheapest house on the block, lol) area outside of Toronto (Oakville) and both have done fairly well career wise.  I'm in IT, she's in Finance.  We have a 2yr old son and a newborn daughter, we're both 34 right now and projecting FI by about 40-42.

Funny even just as short as 1yr back my think and objectives in life were totally off wack... so glad I got my head straight and have some very solid financial and life goals now.

Title: Re: Say Hi and Introduce Yourself
Post by: impaire on August 12, 2013, 03:57:04 PM
I've been posting a bit around the forums for a while, but never properly introduced myself: I'm 36, married (I've introduced my husband to MMM and he's theoretically on board), and already somewhat frugal except for two major things--food (lots of eating out AND an obscene grocery bill) and having resumed long, unprofitable studies in my mid-30s. No debt except a mortgage.

Following MMM advice, we're doing our best to beat our food budget into submission; we're also addressing a lot of other items (I've already switched cellphone providers, and will probably re optimize at year end; we're working on energy consumption, shopping, gifting, etc.) The PhD is at present not on the chopping block, however... Time to FI estimated to 14 years!
Title: Re: Say Hi and Introduce Yourself
Post by: glennstache on August 15, 2013, 06:53:23 AM
Hey everyone, My name is Glenn and I'd call myself a mustachian work in progress.  I'm from Baltimore, MD.  and work for a not-for-profit here.  I found the mmm blog and forum a month ago and have really benefited from the posts and community.   
Title: Re: Say Hi and Introduce Yourself
Post by: FunkyStickman on August 15, 2013, 07:22:34 PM
Hi. I'm Jeff, 39, from Louisiana. Married 17 years with 4 kids, was becoming Mustachian before I knew what it was!

Looking forward to sharing and learning here. I spent 17 years working in the IT field, and after all of that, I managed to scrape out of debt on less than $30K a year. We paid off both cars and the credit card by living frugally. I started biking to work in 2009, and after a year, got hit by a car that ran a red light and ended up with $100K in medical bills and a titanium femur.

When I was in the hospital, I realized I was never going to get ahead and I needed to re-think my life, so I quit my IT job and got hired on making 50% more at the same company! Now I'm saving 20% of my income, and am trying to get more. I'm behind the game, but I'm catching up! This year we put a new roof on the house with cash, and we're still saving! Can't wait to see where we go, I'm hoping to pay off the house in less than 10 years and be FIRE in 15.

I'm going back to bike commuting this year. Because that's how Mustachians roll!
Title: Re: Say Hi and Introduce Yourself
Post by: Gentrie on August 15, 2013, 10:56:02 PM
Hey there! Nice to get to know some fellow frugality-minded peeps! I've searched for a blog like this for ages and am so glad that there are other people with the willingness to live cheaply and invest. Cheers to increasing our wealth!!

I'm a 22 year-old guy living in San Diego (originally from Minnesota) with a knack for computers and music.

My story: I grew up with a frugal family, so saving came easily. I graduated from a community college at 19 with a free AA degree through the PSEO program in MN. I had no direction, though, so I worked for two years and managed to save about $30k by the time I turned 21. I got sick of the small town I was living in and bought a ticket to Australia. I lived and travelled Oz for about 6 months before breaking my femur while snowboarding. I returned home, healed for several months, and embarked on my first long distance bike trip across the midwest. Eight-hundred miles later, I packed up my bike and hopped a bus for San Diego. Now I'm searching for my passions and looking for my life's next steps.

It's a pleasure to meet y'all and share this journey of life with you!
Title: Re: Say Hi and Introduce Yourself
Post by: FunkyStickman on August 16, 2013, 06:52:43 AM
Hey there! Nice to get to know some fellow frugality-minded peeps! I've searched for a blog like this for ages and am so glad that there are other people with the willingness to live cheaply and invest. Cheers to increasing our wealth!!

I'm a 22 year-old guy living in San Diego (originally from Minnesota) with a knack for computers and music.

Welcome! You into computers and music, huh? Do you perform, record, or both? What kind of Mustachian setup do you use? Ever heard of Ubuntu Studio?

Also, broken femurs suck. Welcome to the club... ;)
Title: Re: Say Hi and Introduce Yourself
Post by: Carrie on August 16, 2013, 04:16:43 PM
Hi, I'm new to MMM and I like what I'm seeing.

I'm here because we really want our family to become financially independent while we're still young enough to enjoy it.  We're ready to get serious. 

A little about me: mid 30's, married with 2 young kids; only debt is a mortgage that we're paying off quickly (we still owe about $90k on a $235k home).  I work very part time from home.  DH has a fairly short commute (9 miles) and we live in suburbia.  We live below our means and feel strongly about not taking on debt for anything (this mortgage is the last of it - forever).  I feel like for our place in life, we're doing pretty well --- but there is always room for improvement so I'm hoping to pick up lots of good tips and ideas from y'all.

I look forward to participating in the forum.  Thanks!
Title: Re: Say Hi and Introduce Yourself
Post by: mjs111 on August 18, 2013, 10:15:26 AM
Hello!

I'm 40 years old, was raised to spend less than I make from a young age and have been saving my working adult life.  I still work but reached my version of what I consider financial independence a few years ago (living expenses <= 3% of liquid assets). I love my job and don't see a need to quit any time soon but just knowing that I can walk away at any time is incredibly empowering.

I came across the site after seeing the Yahoo Finance story on Mr. Money Mustache.  It really struck a chord with me. I live in Southern California, which is a bit of a hotbed of conspicuous consumption. Many times I felt like the only one spending less than he made.  Many of the people I know have made good money most of their working life and don't have anything saved at all, and look at my relatively frugal ways strangely. It can feel difficult to fit in at times.  Glad I found this group!


Mike

Title: Re: Say Hi and Introduce Yourself
Post by: asty on August 18, 2013, 12:50:19 PM
Hi all,

I'm 30 years old, actually trying to reach FI. Living in France (and French), so a lot of differences but a common goal.
Working and hopefully independent in less than 10 years. No mustache yet but I may try it one day.

Came across MMM through Jacob's ERE and various researches about investing and life goals.
Took me a few months to go from reading to actually subscribe here.

See you on the forums.
Title: Re: Say Hi and Introduce Yourself
Post by: funnybunny on August 18, 2013, 06:15:04 PM
Hey there. New member here. So that verification part took several attempts. Whats the answer to financial freedom? Who knows?

Anywho, I read a few articles and thought I might join the forum.
Title: Re: Say Hi and Introduce Yourself
Post by: debtfreeoneday on August 19, 2013, 12:40:49 PM
Hello!

I'm from England and live with my husband and young daughter. We're in a lot of debt but we're paying our way out of it! I am documenting our progress in my blog, A Disease Called Debt.

I'm always looking for inspiration and other people's stories on how they paid their way out of debt. Also, I'm interested in ways to make extra income, save money and generally anything frugal. I hope that when we're out of debt, we can save as much money as possible so we will finally feel in control of our finances.
Title: Re: Say Hi and Introduce Yourself
Post by: scottydog on August 19, 2013, 05:00:19 PM
Hi, I'm Scott.  My wife and I live in Montreal and our kids are 5, 3, and 1 year old.  We've been following the blog for about 4 months now, gradually reading through from the beginning, and are excited to learn from MMM, Mrs MMM and so many other intelligent and considerate people.
Title: Re: Say Hi and Introduce Yourself
Post by: mango on August 19, 2013, 05:01:32 PM
Hi everyone,

Been lurking for a few months now on the blog and forum and I've finally gotten to a place where I actually have money to worry about and look after. I can't say that I'll be the ultimate mustachian but I sure want to try. The appeal of spending efficiently is what drew me to MMM's blog and forum. Not sure what goals I have now, I feel like they're changing constantly but I would love to not have to rely on a shitty job for financial security. I'm 24 and my boyfriend is 25 and we're both supporting each other towards a more mustachian lifestyle (especially considering how we keep seriously talking about marriage in the future...he's definitely a keeper). It feels so strange to actually get to post something now!

=]

Title: Re: Say Hi and Introduce Yourself
Post by: mcsemike99 on August 19, 2013, 05:43:58 PM
Hi,
I'm Mike and recently found your blog.  I have already been reading Jacob's blog and moved on to yours.  I really enjoy the articles.  I'm not in your league, as I didn't even really start saving until I was 30.  I won't be retiring until I'm 60, but we are well on our way to FI.
Title: Re: Say Hi and Introduce Yourself
Post by: slothkey on August 19, 2013, 08:26:48 PM
Hi all,
I have been lurking here for a while, but figured I would register so I could add my 2 cents to the great discussions that go on here. Its really great to have found a community of people that have similar views on consumerism, because most of the people around me are ridiculous. DH and I are fairly mustachian, and by my calculations are about 5yrs our from FI. That knowledge really helps keep us going when work gets frustrating and DH's job security is a bit questionable as well, but with our 'stache and no debt and living far beneath our means, neither of us are particularly concerned. This is definitely a great way of life.

Viva la mustache!
Title: Re: Say Hi and Introduce Yourself
Post by: galliver on August 19, 2013, 10:43:51 PM
No one will read this...

But I'm 24, grad student at a big school in a small midwestern town. I've never owned a car because I don't need one yet; I currently get around by bike, bus, and very rarely Zipcar. Working on eating out less and saving more. :)
Title: Re: Say Hi and Introduce Yourself
Post by: marty998 on August 20, 2013, 02:33:39 AM
No one will read this...

But I'm 24, grad student at a big school in a small midwestern town. I've never owned a car because I don't need one yet; I currently get around by bike, bus, and very rarely Zipcar. Working on eating out less and saving more. :)

I've read it. It's quite funny, by putting up signs that say "no one will read this", "do not read", and my favourite "do not touch" what do you think will happen?

As a somewhat related aside, this thread has been viewed over 45 thousand times. By anywhere between 45000 individuals.....or it could be just me looking at it 45000 times.
Title: Re: Say Hi and Introduce Yourself
Post by: flowrider on August 20, 2013, 04:01:59 PM
Hi Folks, 40 year old New Zealander with two young kiddies. Learning a lot from the blog and now will start on the forum. Have been recently working on ways to supplement our income with easy part-time side line gigs which is new for me but a lot of fun and a new challenge. My main goal is to knock off our mortgage as soon as possible, that would be a huge weight off the shoulders. I hate to be in debt so the mortgage is enemy no.1.
Also in to sea fishing from my kayak which I think is a super mustachian past time which provides food for the family which would cost mega bucks from the store (seen the price of fresh fish lately) and I get a decent workout.
Title: Re: Say Hi and Introduce Yourself
Post by: Fitzy on August 21, 2013, 12:35:34 AM
Hello.  I'm Fitzy from Southern California.  I should be in bed as I need to be up in a few hours to do my 7-to-5, but am being kept up instead reading MMM's blogs so I can quit my 7-to-5.

Looking forward to perusing the forums and join in if I can.
Title: Re: Say Hi and Introduce Yourself
Post by: eudaimonia on August 21, 2013, 12:09:13 PM
I'm a 35 year old from Northern California and wanted to contribute to this community which has been very inspiring to me.
Title: Re: Say Hi and Introduce Yourself
Post by: Mister Fancypants on August 21, 2013, 01:24:05 PM
Hi my name is Jay, I'm married with 2 children, we live in NY and I write financial software.

We have assets of about $1.6m with a net worth of just over $1m.

I love the blog, but am only part mustacian, there are places that MMM and I just completely disagree.

I am not FI, but that is by choice, I could sell my house and move somewhere less expensive and shift other assets and retire immediately, but that is not what we are looking to do.

I look forward to becoming more involved in the mustacian community.

-Jay
Title: Re: Say Hi and Introduce Yourself
Post by: porkchop on August 22, 2013, 01:33:41 AM
Howdy,
36yo living in South Texas, divorced, 2 daughters,  trying to live the mustachian way to ensure our futures are squared away. I've been reading the blog, and forum for awhile now, figured I should post.

Hit a few milestones recently, mainly my _total_ debt is now $118.00!! Will be paying that off this month as well.

Excited to read and learn more!
Title: Re: Say Hi and Introduce Yourself
Post by: SpinGeek on August 22, 2013, 09:44:03 AM
Hi, I've been lurking for over a year and wishing I could respond to various posts. Finally decided to JFDI already and sign up!

I live outside St. Louis, MO with my husband (26 years), two cats, three spinning wheels, and no kids. I'm an accountant, and I've always been fairly responsible with money. I started my first IRA when I was 21, and bought our first house shortly after that. Currently our only debt is the mortgage. I wish this site had been around twenty years ago, though; we could have done so much better than we have.

My biggest goal right now is to save enough to at least semi-retire when my husband hits 65 in eight years; that cuts 15 years off the "normal" retirement age of 67 for me. I've learned a lot here, and I've already saved a lot of money (added directly to the retirement accounts). I'm even getting my husband on board; I convinced him to kick DirecTV, and we're working together on the dining out -- definitely room for improvement!
Title: Re: Say Hi and Introduce Yourself
Post by: MaineSteve on August 22, 2013, 06:33:16 PM
Hi!  I'm Steve, and I'm starting this journey much later than ideal (at 47).  But still doing my best to make what's left of my life worth living.  Been reading Mr. Money Mustache for at least a couple years, but only now realized there's this awesome forum!  That wasn't very badass of me....
Title: Re: Say Hi and Introduce Yourself
Post by: BritishBob on August 24, 2013, 04:06:16 AM
Hi I'm Bob, I'm from the UK.
This is a great site, and I'm on board with the whole frugal lifestyle thing. I have a neat little pile of savings, but I need to invest in shares.
I'm struggling to find the British equivalent of the Vanguard. I want a passive income of about £24000 per annum (I think that's about $40000?).

The reason I need more than I currently spend in a year, is that the husband and myself are hoping to travel extensively in retirement (flights cost).
So that's kind of the plan.

Anyone got advice on where to go for British advice on this site? Cheers :)
Title: Re: Say Hi and Introduce Yourself
Post by: nsarwark on August 27, 2013, 04:13:42 PM
I've been reading the blog and ERE for a few months while researching ways to deal with a relatively low salary vs. expenses.  I live with my wife and two young children south of Denver.  Financially it's a mixed bag, with a cash-flow positive rental property in Maryland and a decent IRA account, but also $110K in law school debt and some debt on a HELOC from medical bills and a vacancy/repairs on the rental.  I'm trying to find ways to simplify our financial situation and get to a place where there's some positive movement instead of just treading water month-to-month.

-Nick
Title: Re: Say Hi and Introduce Yourself
Post by: mx905 on August 28, 2013, 12:20:56 PM
Hi I am fairly new to the MMM blog, I happened upon it as it was mentioned in another blog I follow.  I was raised on a farm and grew up in an area that most people follow the frugal lifestyle.  My problem is after college my carreer path took me to Boston, Philadelphia and NYC.  We lived in the suburbs and got into the keep up with the Jones lifestyle.  It never felt right, and a couple of years ago we moved to a small town well off the beaten path and again took up the frugal lifestyle.  I still work in the city a few days a week, but the commute is well worth the trade off's.  We have paid off all debt except the mortgage.  I enjoy working on cars, so we buy vehicles and pay cash and I fix what is needed.  We are diversified into several different investments strategies (real estate, dividend stocks, bonds, P2P lending,stocks, and selling  monthly equity and future options.) I look forward to reading about everyones journey to independence!
Title: Re: Say Hi and Introduce Yourself
Post by: Watchmaker on August 28, 2013, 09:09:39 PM
Cheers,
I’m new to the site (been lurking about a month).  Just wanted to introduce myself as I’m really impressed with what I’ve picked up here already and I wanted to start contributing to the conversation.

My story is probably fairly typical for these forums.  I’m 30 years old (live with my SO and a dog, no kids).  Scientist by day, food blogger by night.  About a year ago, I realized I needed to alter my financial course.  Have been exploring and learning since then.  Finding MMM and this forum (and also playing with FIRECalc) really helped a few synapses fire off in my brain and got me motivated.

I’ll post more detailed economics here eventually (to keep myself honest), but briefly, I’ve just recently realized I have a spending emergency.   The SO and I were recently going over our expenses over the last 12 months and found out we had spent (this includes all expenses but excludes debt pay down) north of 60k.  We make enough that we still managed a 40-45% savings rate, but this level of spending is just too high.  For both of the 12 month periods before that, our expenses were ~40k.

I’d like to get lower than that 40k, but my first priority is to get spending levels down to less emergency levels.  Oh well, this will give us the chance to have some big early progress to report.

So, all that aside, let me say “Hello everyone!”
Title: Re: Say Hi and Introduce Yourself
Post by: superknudsen on August 29, 2013, 01:31:25 AM
Hi

My name is Nicolai and I have been reading about ER for  a couple of months and I am really bidden by it:-)
I am 40 and from Denmark.
I am at the moment trying to make and overall plan to get out of debt/save money and convince my wife that it can fly.

Happy savings for all
Nicolai
Title: Re: Say Hi and Introduce Yourself
Post by: galliver on August 29, 2013, 09:32:06 AM
this thread has been viewed over 45 thousand times.

But I'm pretty sure the thread counts a 'view' or a 'read' when someone goes in and posts an intro; doesn't mean they read all (or any) preceding posts (particularly on an intro thread). Still, glad someone found out I exist, haha. :)

My most favorite "do not read" type message is the one banks put...at the END of the email ("This email was intended for Mr X's eyes only and if you're not Mr X and you've read it you have now committed a federal crime, men in suits are on their way as we speak.") Typically, you have to read through the contents to figure out that it's not intended for you so the disclaimer at the end is useless!
Title: Re: Say Hi and Introduce Yourself
Post by: pichirino on August 30, 2013, 08:58:55 PM
Hello Everyone,

My name is pretty irrelevant but I am in the same boat as many of you.
26 year old dude and working a full time job without kids.(yet)
I guess the only exception would be to be living on an island called Aruba.
It is sunny,warm and paradise like but costs of living here are far higher then the US and average incomes
seemingly far lower.Transportation sucks royally since busses don't drive in alot of corners and there is no such thing
as bike roads on my side of the island which is why most everyone considers a car vitally important.I want to challenge this conception after sharing all detaills but dont know if its possible or recommendable over bus transport +walking.

There are many plus sides but I hope to get advice and explore these issues and possible solutions.
I am however saving over 50% of my income and following most advice to the best of my possibilities.

Thank you all first and foremost for sharing your stories and comments,I gather inspiration and wisdom from many of them!

Title: Re: Say Hi and Introduce Yourself
Post by: Hemlock on September 02, 2013, 11:14:33 AM
Hello, all!

I've lurked in this forum for a little while, but now want to jump in on the fun!

I'm 23 years old, and found MMM through ERE, and found ERE after some gentle financial prodding from my girlfriend. It's been a great start so far, and I've definitely changed my perspective. I've never spent too much consciously (since I like reading, hiking, and biking) but reading these have made me think more about the big stuff like housing and transportation.

I'm from Orange County, California, but I'm considering moving elsewhere someday where the average house price is not hovering around 750k. ;)

Take care, all.
Hemlock
Title: Re: Say Hi and Introduce Yourself
Post by: chasesfish on September 02, 2013, 03:07:16 PM
Hi,

Enjoying the reading on here, 31 and getting close to the ability to walk away.  Then again, the job isn't that bad and pays really well.  Travel addict.  Reading all the mustachian ways reminds me of 6-10 years ago, was first married, little income, and supporting my wife through school.

Title: Re: Say Hi and Introduce Yourself
Post by: canadiansaver on September 02, 2013, 07:11:40 PM
Hi,

I'm one month shy of forty, and began to get my financial act together two years ago.  At that point we had had our third child, $80 000 left on our mortgage, maxed out $9000 credit card, and a few thousand on our line of credit.  Since being debt free by forty was not possible given our choices, I am aiming for debt free while I am still forty! 

After two years of getting a financial grip, our debt is down to $28 000! and we are one track to pay it off in a year.  I'm pretty pleased with myself.

We will have what looks like no savings, but there are a few pluses:  our home will be paid for, our two cars are paid for, I have been working in a job with a pension for eighteen years, we have some RESP (education savings in Canada) for our three children.  Also, I only get 80% of my pay so that I can take a year off work with income every five years.


I love the MMM blog!  It is what is keeping me on track and helping me to think outside the box when it comes to how we do things and live life.

Thanks MMM family!
Title: Re: Say Hi and Introduce Yourself
Post by: ofthebeststuff on September 03, 2013, 08:30:48 AM
So, I came across the blog last week, and it's really kicking my ass.

I'm 30 years old, a Canadian living in Ireland. I've spent my life since childhood being "kind of poor" but spending wastefully on things like cappuccinos, fancy sandwiches, books, and beer. I have some natural moustachian habits...I don't care much about "stuff" or clothes or makeup or haircuts, (in fact I once spent a year in a spiritual experiment where I gave away all my clothes and just wore three rotating identical dresses for a year) I cycle everywhere, I don't pay for TV (I watch some box-sets online) I buy most of what I need second hand. (which isn't much, mostly jeans when the butt wears through on my current pair, from cycling.) 

I've almost always worked low-income jobs, being a bit of a drifter and a daydreamer by nature with very few go-getter bones to call my own. I'm now a freelancer, living on about 15,000 euro a year (actually I have no idea what I earned this year, because I only exist week-to-week, until tax time. Shameful.) ...but that's doing the very bare minimum I need to do to keep the wolf from the door. As in, like, 10-15 hours of work a week. I have no debts, but no savings, either.

I was looking up financial stuff for the first time because a.) I am in constant need of new ways to procrastinate, and b.) hey, suddenly I'm 30 and that carefree student live-for-today kind of lifestyle I've enjoyed for more than a decade doesn't look so practical now that I am thinking about maybe getting married and having kids. In Aesop's "Ant and grasshopper" fable, I have been a big old grasshopper.

I've felt like I have life pretty great, loads of free time to pick berries and make jam, ride my bike and read books, enjoying the "little luxuries of life" like 5 euro feta cheese from the goat farmer at the farmer's market. And it is pretty great, but I now see, thanks to MMM, that I am living life as if I'm retired, when really I squeak by invoice-to-invoice, with scary months when I end up needing to see a doctor, or a client pays me late, and I'm reduced to apologising to my landlord for being a week late and eating stale ramen from the back of the cupboard.

SO! I am trying to get my shit together. My freelancing gigs are quite new, but I know I'm capable of doubling or tripling my workload while still retaining some semblance of free time....it's just that I suck, am SUPER lazy, and a complete complainypants. I'm wondering now if I should try to get a regular kind of job instead, to stashe away as much as possible, since I'm starting kind of late, but that scares me so much I think I'm going to spend these first weeks cutting off the cappuccino, feta, and other assorted crap out of my daily spending, while kicking my ass to get a few new clients (just signed one yesterday) and then a few more, etc.

Financial independence seemed like such an impossible, ridiculous goal for me that I never even considered the option. My real hope for myself is that this new motivation to think about FI will the the fire (heh heh) under my ass that I've lacked all my life. I've just never had any drive to work hard and earn lots of money, because I'm pretty content without it. But now that I'm (very belatedly in some ways) growing up and thinking about the fact that uh, the future is coming (is here, etc) I think this new lifestyle might be the trick that gets me off my ass and into badassity. I'm already an eccentric, so I might as well be an efficient one.

I've enjoyed lurking these boards the last few days. Lots of brilliant bad-asses. I'm excited to join you.
Title: Re: Say Hi and Introduce Yourself
Post by: Kay Bradley on September 03, 2013, 12:05:55 PM
Hi!

I'm Kay.  I'm about to be single at 53 (not my choice - but life goes on).  I'm in debt beyond eyeballs and am trying to figure out how to get back on track.  I used to make $20k a month and had no debt.  But I did the early retirement/pursue your passions and made all the wrong choices (OK, some were made for me - it was a Murphy's Law - everything that could go wrong did go wrong).  I'm trying to be positive and look at all this as a chance to hit the reset button.  I am very healthy and not worried about the work ahead of me. 

I'm trying to figure out what to do next and have several ideas ... so I'm off to another forum to post those and get feedback.  To be honest, part of the reason I want feedback is it's been less than a week since I found out I was going to be single (is there a positive way to spin this?  I'm trying!), and I need objective feedback because I'm not sure I'm thinking totally clear.  And I know clear thinking it what I need right now.
Title: Re: Say Hi and Introduce Yourself
Post by: jimnavarro2000 on September 03, 2013, 02:48:43 PM
Hi, I am 51 years old bachelor, living in Alaska. I find this blog very interesting and has wealth of information for someone like me. I would post a question later and solicit some opinions. Thanks to Mr. and Mrs. Moustache for creating a fantastic blog!
Title: Re: Say Hi and Introduce Yourself
Post by: zendenise on September 05, 2013, 01:34:50 PM
Hi Mustachians!

My god, you're all so young, lol. I'm Denise, not quite a spring chicken anymore. At 50, I am waaaaay late getting my financial act together.

My financial situation is actually not too terrible. The only reason it's not is because I was widowed three years ago, and I got some life insurance money (not enough to pay off my house, but enough to wipe out all the other debt with a little left over, plus my husband's 401k). Prior to my husband's death, we were a mess. Living paycheck to paycheck, with two car loans and a mountain of credit card debt. He had a good job with benefits, but we lived way beyond our means for years. So stupid! I wish Mr. MM had been around back then to punch us in the face. I'm currently living on survivor's benefits, plus what I make as a waitress (no college degree, started having babies right out of high school, and have mostly been a SAHM ever since).

We were SO not prepared for this tragedy. You never think it will happen to you, until it does. He was young, only 42. Please, if you're married with kids, make sure your spouse will be taken care of. TALK about a game plan if the worst happens. Have a list of all accounts and passwords where your spouse can find it in an emergency. Ok? Ok.

So, I AM doing some things right:

1. I have a fantastic credit score, in the 800s.
2. Because of that, I was able to refinance the mortgage to a 15-year at 3.75. (Two points lower than the old 30-year.) The house is 900 sq. feet and perfect for me and my 11-year-old son. Even if I don't pay one extra dime toward the principal, it will be paid for by the time I'm 65. But I plan to pay it off way before then.
3. I use a cashback credit card for groceries and gas, and pay it in full every month.
4. I have the rest of the savings in an online high-yield savings until I figure out what to do with it.
5. I drive a tiny Nissan that gets great gas mileage, and I only live 6 miles from my job.
6. I spent a year getting certified as a health coach, so I do have training that could lead to a career doing what I love. Getting clients is another story...
7. I record every penny I make and spend in a spreadsheet, and have been doing so for almost a year. I know exactly what's coming in and going out at all times.

...And I'm doing some stuff wrong:

1. For months now, the outgo has been more than the income. I've been watching what's left of the life insurance money slowly dwindle. Must stop the hemorrhaging, STAT.
2. Groceries. Currently at 700, want to get it down to 400. I'm a super-healthy, organic, paleo-leaning foodie, but if Mr. MM can do it, so can I.
3. Cable. I know! Just ordered a Roku, will be cutting the cord posthaste.
4. Never shopped around for cheaper car insurance, cell phone plan, etc.
5. Co-signed a car loan for my oldest. He's responsible, but still. I wish I hadn't done it.
6. I spoil the 11-year-old. He lost his dad, so I tend to overcompensate, but I know I'm only hurting him in the long run.
7. Books! My kryptonite. Must. Stop. Buying. Books.
8. Waiting for some man to come along and save me from this mess. I finally got the memo: Prince Charming is not coming. And if he does, he deserves a woman who can stand on her own two feet. Time to be my own Queen, and take responsibility for my own future!

Thrilled to have found this forum, and Mr. MM's blog. Will be sharing here while I work on growing a sexy new 'stache. Nice to have some company along the way.
Title: Re: Say Hi and Introduce Yourself
Post by: SMP on September 06, 2013, 02:24:43 AM
Hi,

I live in western part of Germany. I am 30 years old, a mechnical engineer working in automotive industry. My wife is 31 years old and a teacher.
We have no debt except the mortgage for the house (1600 sqft) we just bought earlier this year.
We just married this year and the wedding was not frugal, but it was totally ok.
We do not have any kids by now, but this may change in the next 2 - 3 years.
Title: Re: Say Hi and Introduce Yourself
Post by: lcg377 on September 07, 2013, 11:23:11 AM
I joined the forum, because we are tackling student loan debt, saving for a house payment so that we can move to a cheaper part of our state, and then can get started on FI! Retirement investing is a couple years away, when we are debt-free, and I have a million questions about that. :)
Title: Re: Say Hi and Introduce Yourself
Post by: 1kickassgal on September 07, 2013, 09:52:47 PM
Hey everyone, I'm probably on the older side of the goers here, 51, but better late than never.  I've got 3 grown kids, divorced 3 years ago.  Not really what I planned, but life is so much better now.  Thanks to MMM, I have been motivated to save almost $20K this year alone, an accomplishment I NEVER would have dreamed of previously.  Glad to read everyone's postings and stories here, keeps me on track and positive about the future!  Best of luck to you all! 
Title: Re: Say Hi and Introduce Yourself
Post by: Elaine on September 08, 2013, 11:27:41 AM
Hello!
My name is Elaine, I'm 26 years old and in a long term relationship (5 years tomorrow, actually!), and we both definitely do not want kids. I guess a couple of years ago (when I got my first office job) I started thinking about how each time my peers would get a raise, they would also increase their lifestyle expenses. I personally never felt this made any sense, but even my own parents always said that saving didn't make much of a difference and that having a high salary was key. Naturally my dad is in his 60s and still working.

My Job: IT at a university, 60k a year
My Fella's Job: Full time warehouse ($10/hour, full time student (Actuarial Science) He's 29 and going for his bachelor's, he has about 2 years left. Obviously our money situation will change quite drastically when he begins work in his field, but we're both dead set on keeping our spending the same.
My Cat's Job: having a sensitive stomach that necessitates insanely expensive cat food.

We live in NYC so we don't have a car, we live in a 471 sq ft, 2 bedroom apartment ($750/month each), and honestly I can't even imagine having more space than this, I love it!

So glad to have found this site/forum, I've been feeling like I'm insane or something what with all the designer bag talk I hear at work, and the out to lunch co-workers! Now I have the best explanation, I'm simply MUSTACHIAN!

Title: Re: Say Hi and Introduce Yourself
Post by: sf_raskol on September 09, 2013, 05:09:11 PM
Hello,
I'm a 29yo software engineer in San Francisco, and have been reading the blog for several months.  My wife and I are definite Mustachians, solidly on our way to FI.  I am very fortunate to work at a successful startup tech company that was recently acquired, resulting in my stock options being worth real money.  We cashed in the vested options and bought our first house, which is enabling us to avoid the crazy rental market here in SF (>50% increase over last 4 years).  Renting an equivalent apartment would cost us $1200/month more.  We're also eligible to convert the TIC into a condo next spring, which is likely to increase the home's (market, not assessed) value by ~80k after fees.  In other words, I've been extremely lucky.

We have no debt other than the mortgage, no cars - we get everywhere in the city by bike or walking.  I can walk to the grocery store, and Costco is just a mile away, allowing for bike shopping.  Our monthly expenses are approximately $3500 - 2500 for mortgage interest, HOA, and property tax, 750 for food, 85 cell phones, 40 power/gas, 35 internet (awesome local ISP), and 1-200 for odds and ends (clothing, netflix [no cable], car share, public transit, etc).  Our income has increased significantly over the past few years but we have thankfully been able to avoid lifestyle inflation.

Our non-mustachian aspects of life are probably food, not renting out our second bedroom, and having a smartphone.  One of our favorite parts of this city are its amazing restaurants, so we're actually likely to increase our $150/mo restaurant budget as we get older; we also enjoy occasional gourmet cooking and baking at home with some expensive ingredients, although our staple weeknight meals are quite frugal.  We are currently missing out on a potential $1500+/month income if we rented out our empty second bedroom, but we are pretty quiet, private people and just don't like the idea of sharing our home (only 1 bathroom) with strangers for now.  Next year that room will (fingers crossed) be home to our first child. For the phone, I just plain caved into the tech worker peer pressure of everyone around me having a smartphone, so that's that!  The company does give me a 20% discount and the minimum size data plan is all that I need.

I recognize that I'm not likely to see another lucky break like my startup's acquisition (90% don't see success like ours did), and also that the currently insanely awesome job market and work environment that software engineers like myself are enjoying is not going to last forever.  I plan to keep our lifestyle frugal over the next 10 years, cash out my stock options and invest them in index funds, lending club, and more real estate.  I'd also like to build up my non-software skills, semi-retire at 40, and switch to doing occasional contract software work and work on repairing/maintaining rental properties, with the rest of my time spent with family.  Oddly enough, this is pretty much exactly why my father did 20 years ago; having Dad around the house growing up was such a great part of growing up that I really want to do the same for my kids.

I'm really looking forward to reading and participating in this forum; I'm particularly interested in picking up more home improvement/repair skills.  I've done a few small projects since moving in - painting, light fixtures, etc - and had a lot of fun.  I'd like to tackle some bigger projects involving drywall, tile, plumbing and electrical, as well as detail/trim work such as wainscoting and crown molding, so as to have the experience if a real estate opportunity presents itself once I am FI and have the means to invest in rental houses/apartments.
Title: Re: Say Hi and Introduce Yourself
Post by: Bigderhak on September 09, 2013, 09:29:35 PM
Hi everyone!
I am Derick 32 married with 3 four legged kids.  I found the site when my wife and I started really looking at saving. I had been leading the consumer life but never in debt except for my house and car.  The cars are payed off but looking to down size. So many things have just started to click just from hanging around.

I started at the beginning of the blog and am almost caught up in about 6 weeks.  Just really getting into the forums, so hope to see all of you around and help each other start/grow our mustaches.
Title: Re: Say Hi and Introduce Yourself
Post by: jeepsleep1 on September 10, 2013, 08:48:42 AM
Hi I'm Narcolepto. My wife and I have recently celebrated our 1st anniversary, and 2-6 kids at any given time. I've spent most of my time living "like I'm in college" financially after mistakes followed by more mistakes, yet have had some decent incomes over the last few years. Recently realized that my way of living was always perfectly fine. Just need to figure out how to fix what we've broken (really already know,) keep living simply, and put that extra money where it should be. Have lived in Colorado the last 4 years and love it... Just happened on MMM while thumbing through a 5280 magazine yesterday. Approaching mid 40s, and Very motivated.. Cheers!!
Title: Re: Say Hi and Introduce Yourself
Post by: young_one on September 10, 2013, 08:31:09 PM
Hey all. My name is Connor.

I am 22 years young living in Southern California and have been working for almost 3 full months at a large engineering firm. I will be brought on full time soon from my current intern position. This means a much higher paycheck as well as some great benefits.

I live with my girlfriend and have brought her into this Mustachian lifestyle. Savings haven't been great as car ('97 Chevy Malibu) troubles have come up and I also purchased a bike (but will pay for itself in less than a year.) I have just began riding to work last week, which is a great money saver.

I don't have many assets to speak of, but I am already making payments towards my $10,000 in student loans and also paying into my 401k to take advantage of my company match.

My early life goal is to reach financial independence (FI) by 35 years old. I also want to pick up a few different trades such as electrician, carpentry, and welding either along the way or after initial retirement. I would love to be able to design and build my own house one day. Connections I make while working as an engineer could greatly reduce some of the costs of design work and other elements.

I am looking forward to buying a much more efficient, used vehicle (hatchback) when my current car most likely does not pass the smog test.

Life is great!
Title: Re: Say Hi and Introduce Yourself
Post by: Kevan on September 10, 2013, 09:18:29 PM
Hello!  My real name is Kevan and it's spelled like Evan, which was my father's name.  My wife and I put three kids through college without loans, but I know that my financial behavior could be better, so that's why I'm here.

I found this place while researching MVNOs and have made some important improvements thanks to I. P. Daly's voluminous writings.  I hope to help others with my knowledge of DIY topics, especially plumbing, as I soak up the wisdom of those who handle their money better than I.
Title: Re: Say Hi and Introduce Yourself
Post by: From A Buick 8 on September 11, 2013, 06:58:33 AM
Hello to everyone, very much looking forward to learning a lot from this forum and website.

The DW and I are turning 50 this year. We just paid our last debt (our house) and we are both committed to being debt free from this point forward. We have one kid in college (cash flowing the cost) and another will be there in 3 years. Our goal right now is to retire once the kids are out of college so we have about 8 years to pile up cash to support our retirement. We have a fairly small house in KY, and we have always been the frugal types. We have about 500k put away for retirement and want to double that in the next 8 years.
Title: Re: Say Hi and Introduce Yourself
Post by: EveofReduction on September 11, 2013, 09:08:08 AM
Hi, I'm Cristin. My husband and I have been debt free since age 34. We live a lifestyle of reduction and creativity. It keeps us at a perfect ratio of challenge and satisfaction.
Title: Re: Say Hi and Introduce Yourself
Post by: non geordie beth on September 11, 2013, 04:01:30 PM
So, hi. I'm Beth, I live in the north of England with my DH and our little boy who is 2. I managed to pay off all our debts in the past but unfortunately when I was on maternity leave I refused to live in the real world and went from obsessive budgeting to running up a credit card debt again, which wasn't my brightest ever moment year.

I had already started to wake up to reality when I found a link here from get rich slowly. That was on Friday. Since then I would say I've read at least half MMM's articles :) I am a little bit scared, because there is a looooooong way to go and my DH is far from being on board (not to mention the fact that about four weeks ago, before I started to wake up, we paid close to £1k for flights to go visit DH's mum and stepdad (... the main frustration is that if we'd booked earlier we could have got much cheaper)) but hey ho, what's done is done and MIL and S-FIL will love seeing their grandson!

So now I just have to plug the gap in our budget than means we currently overspend by £110 a month including our debt repayments... yeah, I'll be posting about that soon, get DH at least travelling in the same general direction even if he's not actually on board the same ship (!), and start cultivating my mustache :)

Looking forward to getting my arse kicked if it means that we end up better off :)
Title: Re: Say Hi and Introduce Yourself
Post by: Dutch Engineer on September 11, 2013, 10:42:53 PM
Hello Everyone,

I'm 28 years old and live in the North of the Netherlands with my girlfriend.

We are renting a house because the real estate bubble is bursting here.

I've been a lurker here for months, Were both saving a good amount but getting FI is very hard in this country.
Title: Re: Say Hi and Introduce Yourself
Post by: Silvie on September 12, 2013, 01:55:43 AM
Hello Everyone,

I'm 28 years old and live in the North of the Netherlands with my girlfriend.

We are renting a house because the real estate bubble is bursting here.

I've been a lurker here for months, Were both saving a good amount but getting FI is very hard in this country.

Welcome, always good to find other Dutchies here! :)
Title: Re: Say Hi and Introduce Yourself
Post by: throwerm72 on September 12, 2013, 10:51:21 AM
Hi I'm Mike. I'm 28 married with 2 kids and one more on the way. I work in IT and can't imagine continuing in my job for another 30+ years.

I found MMM through a yahoo article back in July. I've burned through the blog and finally showed up here desperate for more mustachian reading.

Not much in savings yet as we are paying off some debt and well I still have some student loans to the tune of 13k but after that we will be saving at least 35% of our pay (hopefully much more).

Near term goals include killing my 60+ mile round trip commute by finding a job close to home, downsizing our fleet to only one car and taking up biking to work.

Also both my femurs are both original and intact.  (No fair! I started a new page so the joke isn't as relevant. )
Title: Re: Say Hi and Introduce Yourself
Post by: JHC89 on September 12, 2013, 10:57:32 AM
Hi everyone! I'm James from Pittsburgh. I've been reading articles and forum posts for about 5 months now and I thought it was time to start paying it forward by helping others where I can.

I'm 24 and single, so it is fairly easy for me to keep a frugal lifestyle. I had been saving fairly consistently since a college professor gave a lesson on Roth IRAs when I was 19, but MMM showed me that I could be doing much, much more. I'm hoping to hit what is in my mind my first big stash milestone by the end of 2014 but still have a long, long way to go.

I can't wait to keep learning from all of you!
Title: Re: Say Hi and Introduce Yourself
Post by: rochdale on September 14, 2013, 08:30:18 PM
My name is Rochdale, and I am a lurker. ("Hi, Rochdale!")

Came out of lurkdom to say I hope that the Colorado Mustachians are safe and dry right now.

As for intros, I live in a cooperative (whence Rochdale) house with 17 adults, all of them frugal-minded. Being surrounded by moral support makes it easy to live a Mustachian life. I do like coming here, though, to see what other people are doing to grow the 'stache.

Title: Re: Say Hi and Introduce Yourself
Post by: dodojojo on September 16, 2013, 07:31:10 AM
Forty and single.  I was in the process of house-hunting and after a weekend where my agent pressured me to buy one of two houses at prices/value I was extremely uncomfortable with--I read a post about owning versus renting by Jim Collins.  From there I discovered MMM.  That was about a month ago and all I can say is, "thank the fuck I didn't listen to my agent!"  Not that I'm entirely against buying but those houses were way, way beyond my means (not according to lender standards, but in terms of maxing out for FI).  Though a small part of me yearns for my "own place", I know that renting for now is the best way forward (I live in the DC area where real estate is unreal...).

I've always been very good at saving, not exactly Mustachian, but probably better than 95% of folks in the US.  I live in a very high cost but ultra convenient area of DC which has allowed me to be car-free for the past nine years.  My one bedroom apartment is probably the lowest cost one in the area where high end one bedrooms go for $2,500-2,800.

My problem has been that I've been incredibly negligent in investing my savings.  Just leaving wrong allocations for years and years, etc.  I'm working on that now and being much more mindful of how I invest without buying/selling too much.  I've always favored index investing anyway.  Using Firecalc, if I keep maxing out my 401K and IRA, I should be FI by 55 (high COLA and I will be supporting my mom).  Okay, it's a little depressing since that's not exactly early retirement.  On the other hand, prior to reading Jim Collins and MMM, I thought I was going to work for the rest of my life as I fretted about my and my mom's retirement plans.  So it's not all bad...
Title: Re: Say Hi and Introduce Yourself
Post by: decibelle on September 16, 2013, 08:48:07 PM
Hello there, My Statistically Significant Other (SSO) and I recently joined the MMM community.  His username is "watchmaker".  We're excited to get to know people here and learn some ways into the life of Badassity! :)
Title: Re: Say Hi and Introduce Yourself
Post by: AustinKat on September 17, 2013, 09:36:17 AM
Hello! I'm AustinKat, from (duh!) Austin, Texas. I've been practicing voluntary simplicity/frugality/related points on that spectrum for over two decades now. I first heard of MMM on the Simple Living fora. I'm amazed at the community that has sprung up here in such a short time--I look forward to meeting people here and chiming in where I think I can be helpful.
Title: Re: Say Hi and Introduce Yourself
Post by: YoreName on September 17, 2013, 01:31:39 PM
Hi,
   I'm married with one child in college, living in high cost area but well positioned for early retirement from frugal living.  Been reading FIRE blogs for about a year now and repositioning to RE.  In actuality, we are FI now.

See you in the forums!
Title: Re: Say Hi and Introduce Yourself
Post by: Janice on September 20, 2013, 10:22:59 AM
Hi. I'm Janice from Chicago. My hubby and I adopted 2 precious boys from Russia. We've always been frugal (of course because my DH is an engineer and I'm Type A - no debt except for mortgage, max out 401ks, ROTHs, stick to a budget, etc) but since I was lead here by a Yahoo article, we are saving an additional $1500/month. Blows my mind we had that much extra money going somewhere other than paying down our mortgage. Our plan now is to pay it off in 5 years (3% rate @ 15 yr loan). We'd do it sooner if we switched the boys from private school to public. Hard decision. The public school is literally in our backyard but one of our boys has special needs and the current school has been amazing. So time will tell!

Love this blog and looking forward to learning more through the forums!
Title: Re: Say Hi and Introduce Yourself
Post by: $200k on September 20, 2013, 12:16:37 PM
Just wanted to say hi to everyone.  I am close to $200k in student loan debt.  I'm a hard worker so I'm not in despair.  Mostly everything I read on MMM gives me inspiration, so big thanks to everyone for their stories and encouragement.

Title: Re: Say Hi and Introduce Yourself
Post by: Meggslynn on September 20, 2013, 12:20:32 PM
Hello,

I found MMM a couple weeks ago and have been working my way through the blogs.

I am 3 year old female, married to a lovely person and mother to a wonderful 18 month old boy.

I have always been interested far more than the average person in personal finance. I learnt my lessons young and I learnt them quickly.

Being a mother and having a whole new set of costs (read: childcare) I have realized we need to scale back. Way back to ever get anywhere.

My goal really isn't super early retirement as I do enjoy my job and everything is gives me but been beyond secure. To know that whatever happens we will be okay and to go down to part time work in maybe 15-25 years.

I live in Canada and in a very well to do part of the country. The average income in my neck of the woods is easily $150K. The average mind set is bigger is better and more toys the better. Our frugal mind set is very very rare here so we struggle with that sometimes.

Hoping to dive deeper into this mindset and become even more confident in our beliefs and way of life.
Title: Re: Say Hi and Introduce Yourself
Post by: Bigote on September 20, 2013, 05:12:34 PM


I am 3 year old female, married to a lovely person and mother to a wonderful 18 month old boy.


You're very articulate for a 3 year old.  :)
Title: Re: Say Hi and Introduce Yourself
Post by: Gray Matter on September 21, 2013, 07:50:22 AM
I’ve been lurking for months now and am finally taking the plunge, because I know I can benefit from the collective wisdom here.  My DH and I are in our mid-40s and we are slightly Mustachian in that our finances are in pretty good shape.  We have always put 10-15% of our income in retirement accounts since we started working in our 20s and are now up to saving about 40% of our take-home pay.  Also, we have good emergency savings and no debt besides our mortgage.

But the rest of our life is not-at-all Mustachian (stressful jobs, long commutes, wasteful, etc.).  And that’s what I’m here to work on.  My husband is not as motivated to change as I am, but I can be pretty persuasive.  ;-)

We have three kids, three hound dogs, and a piggy we stole from the shed (jk on the piggy, though I’m not sure I’d even notice what with all the chaos around here).

Am looking forward to moving towards a more Mustachian lifestyle!
Title: Re: Say Hi and Introduce Yourself
Post by: Kristin on September 21, 2013, 09:12:10 AM
Hi,

I'm Kristin and I can't wait for the day when I have the option to stop working my desk job.
Title: Re: Say Hi and Introduce Yourself
Post by: Jessie on September 21, 2013, 07:52:58 PM
Hi! I'm Jessie. I'm an architect, and I'm about to go back to the Boston area from my native northern Virginia. I'll be reunited for good with my boyfriend (a computer engineer :-) ) and our two cats! Found MMM and GRS after graduating in 2010 $40k in debt, currently working my way out. 40% down and hoping to finish in the next three years.
Title: Re: Say Hi and Introduce Yourself
Post by: ichangedmyname on September 22, 2013, 11:05:20 AM
Hi! I'm Dyn, 33 from CO Springs. Married for almost 5 years. No kids.
Found MMM a couple of weeks ago and just reading the entries and trying to absorb all of the good info. I will be asking a LOT of questions. :D
Title: Re: Say Hi and Introduce Yourself
Post by: Ayanka on September 22, 2013, 11:09:48 AM
Hi, my name is Ayanka and Im 25. I am going to move with my boyfriend next month in order to escape my crazy commute (45 mins and up one way). Sadly enough we are increasing his by doing so. I amn't really looking for ER, more for FI as the economical crisis seems to limit options and makes it harder to quit a steady job, no matter the conditions. And I hope to meet some non-American people inhere. No offense, but at the other forum I am hanging around I spend a quarter of my time explaining people from the states how to sort out their financial mess. It does get old after a while. So Im off to look for European/Asian people on the board :)
Title: Re: Say Hi and Introduce Yourself
Post by: Kaivalagi on September 23, 2013, 02:58:29 AM
Hi MMMers! I have been reading this forum just recently but have been a fan of MMM for a while now.

'Change' would have to be my word for 2013 as I moved to Fiji, got married, tried to move back to the UK where I am from but they wouldn't have us due to strict new immigration laws, moved to Ireland instead and am now trying to get back to some sort of normality! Although I do enjoy change so who knows what will happen in the next 12 months :)

I have some debt, a student loan which works differently in the UK (repayments are income assessed and I am currently not earning enough to pay anything and the interest in minimal), but I do owe my Dad quite a bit as he leant us the cash to move to Ireland. I would like to pay that off as soon as possible really.

Anyway I'm looking forward to getting to know lots of you and to get going on the FI journey!

Clare
Title: Re: Say Hi and Introduce Yourself
Post by: Mickey on September 23, 2013, 05:37:08 PM
Hi. I just wanted to thank MMM for giving me a kick in the pants.  Paying off my credit card every month and making 1 extra payment toward my mortgage or lingering student loans once a year wasn't getting me deeper in the hole, but it sure wasn't helping me dig my way out to FI.  I stumbled upon the MMM blog early this year, and decided to shift toward viewing my debts as a "debt emergency." 

I'm by no means at expert level, yet, but I've actually made progress.

So far this year, I have (1) figured out what the interest rates are on my debts, (2) added a monthly reminder to my calendar to pay extra, and (3) stayed on track to pay $6k (a little more than 10% of my gross income) toward principal on my debts. I've been able to do this by (1) canceling under-used expenses like Netflix, land line, and a gourmet cellphone plan, (2) staying OUT of real and virtual shopping malls (I don't even like to shop, so what was I doing in there), and (3) re-evaluating my food expenses with the goal of maximum health for least $$ (mainly planning ahead to avoid lunch panic purchases of overpriced un-delicious cafeteria food). I'm applying the scientific method to my expenditures:  I'm thinking of spending $X to do Y.  Do I think Y will make me feel better than putting $X toward my FI? Do I need Y right now, or can it wait a bit? After, if I decided to spend $X, did Y really make me feel good? Better than another step toward FI would feel?

I've also started being more introspective about how I spend resources beyond money.  Time, energy, attention. Instead of leaving me feeling pinched or deprived, this year has me feeling like I have more time and more energy.

So, thanks, MMM!
Title: Re: Say Hi and Introduce Yourself
Post by: Truckman on September 24, 2013, 08:55:04 AM
Hi everyone.  I'm Matt. Just discovered the blog and forums yesterday. Fascinated with the possibilities. Getting a late start at the "early retirement" thing since I'm 42 already, and nowhere near able to retire. It's going to take a lot of hard work, but I'd like to be there in the 8-10 year range.  Most of my life has been on cruise control, letting life happen to me instead of making my life what I want it to be. Horrible, horrible, horrible money manager and have a train wreck of a financial situation.

Anyway, I hope to be able to turn things around with the things I've found, and have yet to discover, here.

Thanks!
Title: Re: Say Hi and Introduce Yourself
Post by: mahima on September 24, 2013, 11:26:15 PM
Hi I am Mahima from India. I like beading jewelry, reading novels and traveling.
Title: Re: Say Hi and Introduce Yourself
Post by: supertrill on September 26, 2013, 08:07:37 AM
Hi Mustachians!

Jordan here. Been reading MMM for months and finally starting in on the forums. Whenever I lose focus an MMM post always helps get me back in the right mindset. This is my get out of debt year started with 18k, currently have 6k to go. I'm 29 and would like to hit FI by 40. Live in Atlanta without a car so used to people thinking I'm crazy. I currently work in journalism/video production but am taking web dev classes to switch careers and increase my salary.

Any Atlantan's out there???? Just started a "Mustachian Meetup" http://www.meetup.com/Mustachians-of-Atlanta-Financial-Independence-Group and am really anxious to get together with some like-minded folk!
Title: Re: Say Hi and Introduce Yourself
Post by: Norrie on September 27, 2013, 08:01:54 AM
Howdy. I'm Nat, I'm 37, and live in Oklahoma.
I'm a researcher/assessment analyst who focuses on social justice and program evaluation, and my husband is in a punk rock band for a living. We have two kids, ages 12 and nine, and they are totally bad ass.

We're completely debt-free aside from the house, to which we owe about $74,000. We're hoping to have it paid off by the end of next year. Though we're on solid footing debt-wise, we are brutally behind on retirement and kids' college funds.

I found MMM through the Dave Ramsey message boards (look, I know, alright, but his wee baby steps helped us pay off over $65,000 in debt). The timing couldn't have been better, because while the DR thing worked really well for us for debt, it's not been fitting well for me in terms of retirement, investing, etc.

I'm a total novice at this stuff, and I'll be the first to admit that it is completely over my head right now. I'm gonna spend a lot of time lurking and just soaking up your brilliance. Hopefully you won't find me creepy.

I'm really excited to get our shit together. Thanks for having me!
Title: Re: Say Hi and Introduce Yourself
Post by: Li on September 27, 2013, 03:18:05 PM
I've been reading MMM's posts for well over a year through an RSS reader and just discovered the forum a few days ago.  I live in Ontario, Canada (about 1 hour west of Toronto).  I'm more on the frugal side and would love to retire early although I may still work for fun.  My husband on the other hand is definitely not mustachian.  I'm hoping to find ways to turn our life a little more mustachian without him even realizing it. 

Love the posts and enjoy getting Mrs. MMM's view too.
Title: Re: Say Hi and Introduce Yourself
Post by: Golikety on September 29, 2013, 05:22:36 AM
Howdy - I happened to stumble across MMM while researching Peer to Peer lending a week ago.  His positive and informative review lead me to dig more on this Moustached Man, and boy am I glad I did.  I am in my late 20's, military, and single.  I have been reading books upon financial books while deployed with the goal of being financially responsible with my money when I return.  I want to make the most of my situation and how better to do that than to follow Mr. Money Moustache.  I look forward to meeting discovering fellow Moustachians and learning what is no doubt amazing advice on this forum.  I also want to be held accountable for my actions and goals so I plan to use this forum to help keep me on track. 
Title: Re: Say Hi and Introduce Yourself
Post by: Thomas on September 29, 2013, 04:29:26 PM
Hi, I've been lurking for a while and realized I never even bothered to post an introduction.

I'm Thomas & have been in the Air Force for about 12 years. I discovered Jacob at ERE about a week or so before he quit and sent everyone here to MMM. Very glad he did that. I've got two kids & want to be able to spend as much time with them as possible both while I'm in the service and once I'm retired.

I'm nowhere near the level of mustachian demonstrated on these boards, but I'm one of the few people in my office that consistently brings in lunch, so I satisfy my competitive streak by knowing I'm at least doing better than a few. I've been consistently increasing my biking and using the phrase "what do you mean you don't own a bike" more often than I ever thought I would. Looking forward to seeing what the future brings.
Title: Re: Say Hi and Introduce Yourself
Post by: anneinpdx on October 01, 2013, 05:44:51 PM
Hi! I'm Anne.  I live in beautiful Portland, OR with my husband, 2 kids, and 1 old mutt.  I started my financial turnaround in Jan 2012 when our credit card had ballooned to $5600 after unpaid maternity leave and some unexpected major expenses.  Prior to this, we never carried a balance but also never really saved with any purpose.  We had a bit of a scare with the big bill and big increase in childcare costs with our 2nd baby.  I started with YNAB which totally helped turn our finances around.  I just checked and found that our net worth has increased $120,000 since starting.  Some of this is from growth in stock accounts but a lot is due to just plain old buckling down and saving/paying down debt. 

I found MMM about 6 months ago and this site has helped kick up our goals another notch.  We are planning to pay off the $21000 remaining on my private grad school loan this year.  After the loan is paid off, I am planning to stay home with the kids and just do some per diem work to pick up some income (I am in healthcare). I am also working on learning some programming skills on Treehouse and hoping to do some type of flexible work with that. 

Since finding MMM I have: learned to fix my broken car window and broken turn signal, cut my car insurance by 60%, cut my grocery bill by another $100, and am working on cutting ~$100 off my cell phone bill.  The site also inspired me to learn to build computers and I am volunteering at my local computer recycling center...learn skills, help build donated computers for others, and get free desktop at the end for me.  Win!   The MMM site has helped me shift from a "just stay within budget" mindset to "just how low can I keep my spending without sacrificing the things which bring true satisfaction?"   
Title: Re: Say Hi and Introduce Yourself
Post by: lizfish on October 02, 2013, 08:24:42 AM
Hi, I'm Liz. I found out about this website from the YNAB podcast. I am 30, married with no kids (yet) and living in the UK. I am currently self-employed and under-earning by some margin, my husband commutes 60 miles round-trip to a job which is OK, but not great - which I would love for him not to do. We do not have any debt other than the mortgages (we will have about 2/3 equity in our house once we pay off one of them with a recent inheritance from my mum's passing) and we both have some personal savings. Not sure about my DH's pension pot, but I've not contributed to mine in the 3 years since I left employment (pensions tend to be linked with jobs here) and in all honesty I doubt it's much above £20k GBP right now which is pitiful. We both maintain separate bank accounts and contribute to a joint account for all household expenses inc holidays and home improvements (many of them to stop heat-loss)

I am a newbie at this early retirement stuff. I am an avid YNAB user, and a natural saver and don't really shop much. My DH has a taste for electronic equipment and loves his car. (always used) I have various hobbies and generally just don't earn enough to make what I feel is a significant contribution to our mortgage-free future, and early retirement beyond. I've never invested in the stock market, and I have a natural distrust for the people looking after my pension because I don't understand it and I feel that the person making money out of it is almost certainly not me.

All in all, I am very glad to be here. I know that we have half the battle won by not being knee-deep in consumer debt, not buying a house we could barely afford, and not spending hundreds of pounds a month on restaurants and new clothes like so many people we know. BUT I do not know if we have what it takes to strip down our spending to reach the level of saving 50% (in fact I don't even know how far we are from it - as a couple that is) But I know for certain that I am not up for that 9-5 stuff. I am not up for my husband spending 10-12 hours driving a week to a job he doesn't really enjoy that much. I am not up for buying stuff because people think it's a bit odd that we don't see shopping as a leisure activity.


But I don't own a bike. Is all lost?


Title: Re: Say Hi and Introduce Yourself
Post by: lizfish on October 02, 2013, 08:51:20 AM
it's just that I suck, am SUPER lazy, and a complete complainypants.

Right there with you on that. Since leaving a super-stressful 9-5 to 'work out what I wanted to do', and then going self-employed in the industry I thought I wanted to get away from, I've barely worked more than 3/4 days a week and most of the time not even that. I don't really enjoy freelancing that much. I hate having the money conversations, and am really bad at starting off client relationships well. Yes I get to set my hours, listen to music, take whatever breaks I want, but in reality I just sit at a desk just the same, just on my own instead. My DH leaves the house at 6.45 most days and gets back at 5.30/6. I feel so guilty for that.

I wish you well in getting your sh** together. I'll let you know how mine goes.
Title: Re: Say Hi and Introduce Yourself
Post by: JessieImproved on October 02, 2013, 09:49:06 AM
Hi, I'm Jessie.  I found MMM from NW Edible and I've been hooked ever since.  I started growing my 'stache long when I decided to start trying for kids (great timing, I know).  I now have 2 girls, one preschool age and one barely over a year.  My husband is frugal at heart but definitely not Mustachian - I'm slowly but surely working on the conversion. :-)  I'm hoping to start my journal soon - I'm sure you guys could give me some face-punches to get this ball rolling faster.
Title: Re: Say Hi and Introduce Yourself
Post by: mnpsatan13 on October 02, 2013, 11:07:18 AM
Greetings everyone,

I'm Prabhakar from India. (Yes, MMM has reached India!)
I work in a beeg multinational firm as an Assistant Manager & live with my wife & daughter.

All my debts will vanish next year, thanks to MMM blog.

Keep rocking!
Title: Re: Say Hi and Introduce Yourself
Post by: salocin on October 03, 2013, 10:03:18 AM
Hey there, salocin here. I'm 26, almost 27 and work in IT. I too, cannot imagine doing this job for much longer. I found MMM via reddit.com/r/personalfinance

I need to learn to be less compulsive, more frugal and stop trying to buy things to make me happy.
Title: Re: Say Hi and Introduce Yourself
Post by: greenmimama on October 04, 2013, 08:29:52 AM
Hi, I'm Suzanne my hubbby and I live in MI with 3 young boys, where we are currently trying to build a bigger mustache, I just recently found out about this but have been a huge Dave Ramsey fan for 20 years, so it follows a lot of the same principles, but we are now going to shift a bit and really hunker down to build it up!
Title: Re: Say Hi and Introduce Yourself
Post by: potatoface on October 05, 2013, 05:06:09 PM
Hi I'm Tony and I'm an alcoholic aspiring early quitter. After suffering from buyer's remorse one too many times I fell into minimalism & taking better care of my finances. I eventually found MMM after seeing a link to a guy who retired at 30. While I'm 3 years too late to do that, I'm making a goal to cram as much money as I can into my savings hole.

I've spent the last 11 years working in a northern Virginia hotel, father to a teenager, and I believe the reason my hair is failing out is because it wants to escape my ugly head. Glad to be here!
Title: Re: Say Hi and Introduce Yourself
Post by: Anatidae V on October 07, 2013, 12:39:13 AM
Hi! I'm a 24 y.o. environmental engineer, living in the most remote city on the planet, which coupled with it's cute little resources boom, has made it one of the more expensive as well. Supported by family through university, I delayed moving out of my grandmas for nearly a year in order to save cash.

Been devouring personal finance advice since I left uni - got a drive to prove my family's investment in me was worth it! Partner of 6 years found YNAB, I said "sounds nice..." 6 months later, I actually downloaded the free trial, and two weeks ago we paid for it, and then they mentioned MMM! Feels like home *sigh*

I have some good mustachian tendencies (It's broken. Can we fix it first?), some bad ones (house is a $475p.w. 3 by 1.5 for 2 people and a cat, walking distance from tiny shopping center and a train station). These extra bedrooms are used as a study and craft room, in my defense... oh, and I drive to work every day because I don't actually have the option of public transport or bike riding (I HATE it). Working on my boss to allow more time in head office (train!) or home (roll out of bed!) Looking for tips for living in my expensive lovely city - who knows, maybe its' as cheap as America sounds but I've just been doing it all wrong? My goal is to become FI in 10 years, start a family within 4, and convince my SO of how great an idea all of this is :)

**Forgot to say: I have no debt, but my darling SO has a HECS/HELP/Whateverit'scallednow debt, which we have no intention of deliberately paying back ever. Why? Because the government indexes against inflation, with no interest, and we are under no obligation to pay any of it unless he earns above a certain threshold.
Title: Re: Say Hi and Introduce Yourself
Post by: Fyzbo on October 07, 2013, 09:38:55 AM
Hi everyone, 31 year old living in Cary, NC.  Still working a day job, but only debt between my wife and I are two student loads and a mortgage.  All fixed with very low interest rates.  Joined the forum to gain insights and find help in how best to invest our growing savings, it currently sits in an extremely low interest savings account.  Will be asking many questions in other topic groups.
Title: Re: Say Hi and Introduce Yourself
Post by: RobertBirnie on October 07, 2013, 10:06:44 AM
Hi Folks,

I just joined the forums so that I an chip into the discussions on here. Looks like a great resource!

I'm a 26 year old with a wife and a 15mo baby daughter. I'm from San Jose, CA and work in the tech field. My wife and I had been starting to save like crazy for about two years now and we were super excited when I found MMM and like minded people! Currently we're max on 401k/IRA accounts and putting a substantial amount into our student loans ( ~ 3 years left till gone). So just starting out really and excited to share the ride with you all.
Title: Re: Say Hi and Introduce Yourself
Post by: FirePaddle on October 07, 2013, 04:19:16 PM
Hiya folks.  This blog has inspired me to get our asses in gear.  Thanks MMM!

My wife and I don't want to work until I'm old and tired.  Over the last week, my wife and I have paid off our last student loans ($10k), and now are on track to pay off our one car loan ($15k, 2010 model) in less than a year.  We also have goals of reducing our "misc" spending category from ~$1200/month to $525 (50/wk/person allowance and $125 for restaurants), and reduce our grocery bill from $700 to $500.  This is just the start.  I feel like we have a decent start already, as our net worth is [deleted] right now, 34 years old, no kids, but we have 2 cars, don't carpool enough, have been spending too much for short term happiness, etc.  I'm already looking at selling my V8 dakota and getting a mini van, because I've always wanted a van!  We have somewhat unique needs living in AK (which I know is not cheap!) such as taking our own garbage to the dump, hauling our own water in a 200gal tank (1600lbs) to our house, and steep roads and winter for 7 months of the year, etc.  I hope to adjust the principles here to our life in the north (and then maybe retire in a new location where our money will go way further!)

I hope this is the start of a great time.

Tom
Title: Re: Say Hi and Introduce Yourself
Post by: Scrooge McDuck on October 07, 2013, 08:58:03 PM
Hi all - been a massive fan of MMM for about a year now but first time in the forum.  A New Zealand couple in mid/late 20's and on a mission to reaching the point where we have the freedom to take on whatever work when and where we want.  Although pretty good with money the blog has enabled us to reinforce why we spend money on some things but refrain on others.  We feel very empowered and are now riding the front of the wealth building wave.  Surfs up!
Title: Re: Say Hi and Introduce Yourself
Post by: trombonedadio on October 09, 2013, 06:42:18 AM
Hi I am Trombonedadio.  I spent 20+ years totally immersed in a professional music career, which although I loved it, caused me to be living an unbalanced lifestyle. At a certain point my playing career came to a grinding halt, however I have managed to keep my educational career continuing. When I first stumbled upon the MMM blog two or three years ago, I realized that I have been living the MMM lifestyle for many years. You can check it out - most professional musicians do not make a $&*tload of money....  so, largely due to necessity, frugality has been at the top of our list, like, forever.

Now I am "retired" from the orchestra job I don't really feel "retired" but rather "busy." Some of those "busy" things pay me money, some save me money, and some have no noticeable impact on our finances.

As always, I make an effort to enjoy life to the fullest - especially to recognize when I am wasting energy on unnecessary stuff as opposed to when I am investing energy in useful/fun/rewarding stuff!

Glad to be here!
Title: Re: Say Hi and Introduce Yourself
Post by: reginna on October 09, 2013, 07:53:27 AM
Hiya folks.  This blog has inspired me to get our asses in gear.  Thanks MMM!

My wife and I don't want to work until I'm old and tired.  Over the last week, my wife and I have paid off our last student loans ($10k), and now are on track to pay off our one car loan ($15k, 2010 model) in less than a year.  We also have goals of reducing our "misc" spending category from ~$1200/month to $525 (50/wk/person allowance and $125 for restaurants), and reduce our grocery bill from $700 to $500.  This is just the start.  I feel like we have a decent start already, as our net worth is ~$450k right now, 34 years old, no kids, but we have 2 cars, don't carpool enough, have been spending too much for short term happiness, etc.  I'm already looking at selling my V8 dakota and getting a mini van, because I've always wanted a van!  We have somewhat unique needs living in AK (which I know is not cheap!) such as taking our own garbage to the dump, hauling our own water in a 200gal tank (1600lbs) to our house, and steep roads and winter for 7 months of the year, etc.  I hope to adjust the principles here to our life in the north (and then maybe retire in a new location where our money will go way further!)

I hope this is the start of a great time.

Tom

Look forward to following your adventure!
Title: Re: Say Hi and Introduce Yourself
Post by: dude on October 11, 2013, 07:24:08 AM
Greetings, all, dude here.  Been fascinated with the MMM blog since I found it about a month ago.  Revelatory is the best word I can use to describe it.  Have been on a cost-cutting jihad since I started reading it.  I'm on track to retire from a government law enforcement job at 55 (I'm eligible to retire at 53, but 55 is the age I'm planning on based on several factors).  Pension is decent (okay, it would sustain two of Mr. Money Mustache's families), but only a 34% replacement of my current salary.  Been maxing the 401k out for better than a decade now, and feel like I'm all set for an early(ish) retirement (though getting the wife on board may be another matter!).  Anyway, MMM has opened my eyes to the incredible amount of waste in my household's personal finances, and I'm determined to take control of it.  This blog's message of financial independence -- and MMM's devastating logic in presenting its possibility -- has resonated very strongly with me.  I can't wait to utter MLK's beautiful words, though obviously in a much less significant context, "free at last, free at last; thank God Almighty, I'm free at last."  Looking forward to sharing ideas and learning new methods of improvement with this community.
Title: Re: Say Hi and Introduce Yourself
Post by: MammaStash on October 13, 2013, 05:24:05 AM
Hi All,
Just found MMM via an interview with YNAB software founder. So I've got a lot of work to do but there are good foundations to work with - biked heaps when I was young, stopped watching TV news like forever-ago, flipped at consumerism about the same time, like to count stuff...like money for instance, hate commuting, etc. Just had a little anti-mustachian detour in life for like the last 20 years!

Ok ... so where's the Australian based data? I need to make myself total comfortable with some of those cool little formulas Mr. MM throws around.

Hope to see you all around here from time to time.

Mamma
Title: Re: Say Hi and Introduce Yourself
Post by: Mitch76 on October 13, 2013, 03:00:18 PM
Hi,
I'm Mitch, live in the UK.
Just discovered MMM and loving it.
I'm 37, one kid, another on the way.
Mortgage paid off, no debt, about 40k stashed so far (Vanguard Lifestrategy in ISA's).
Gonna try to stash like crazy from now on, this is truly an inspirational site, thank you!
Title: Re: Say Hi and Introduce Yourself
Post by: monarda on October 14, 2013, 12:22:32 AM
Hi, I'm monarda

I just discovered MMM this evening. What a resource!
I'm a landlord and scientist. Real estate equity is my retirement plan, since 2001.
I'm very frugal and green and curious to find out how mustachian  I am.  I want to learn more about how I should spend (or not) in the next five or so years.

Thank you!
monarda
Title: Re: Say Hi and Introduce Yourself
Post by: lauraredcloud on October 14, 2013, 09:09:54 AM
Hi, I'm Laura from Boston. I'm 27. I discovered MMM and YNAB through the Personal Finance subreddit and was blown away. I'm building up from "no knowledge or interest about finance, sorta half-assedly budget, pretty sure I make more than I spend"a year ago to a 48% savings rate today. Not sure if that is sustainable, but I'm trying. MMM is a big inspiration. Financial independence is the motivating goal that really made savings seem worthwhile for the first time. I like my job, and I don't picture myself being idle after FI, but you can't put a price on freedom. I've been on a frenzy trying to optimize everything from hacking away at shopping, groceries, and and utility usage to properly understanding and taking advantage of my job's benefits to applying for side gigs. Let the games begin.
Title: Re: Say Hi and Introduce Yourself
Post by: DebtBeard on October 15, 2013, 08:01:51 AM
Hi there, I'm from the Kitchener-Waterloo area in Ontario, about an hour and a half west of Toronto.  Discovered the blog about a week ago and have been devouring the articles, after getting over my shock of how awesome this site was!  Though I've yet to really use any of the awesome advice, I'm all fired up to give it a shot!  As a self-diagnosed money idiot, this is the real kick in the pants that I needed!  So I'm coming to all you more senior mustachians to help shed my ignorance and reach this financial independence thing that's become all the rage here :)

Hope to talk to you soon!
DB
Title: Re: Say Hi and Introduce Yourself
Post by: stripey on October 15, 2013, 04:02:05 PM
I'm 28 living in Australia. Basically, I am close a financial clean slate I suspect. I comfortably live on about AUD 25k in a city with a very high cost of living, but could cut back. I have no debt to speak of, and a little savings. (I have 'student loans' of about $31k but in the Aussie HECS-HELP system is only indexed so I will probably just ignore it).

I am looking forward to some positive peer pressure in how to manage my money better! Hope to talk soon!

Stripey
Title: Re: Say Hi and Introduce Yourself
Post by: wilma on October 16, 2013, 01:58:56 PM
My name is Michelle.  My hubby is super excited about growing his mustache.  I am not so sure, so I am trying to get more info so I can get on board.  I am the shopper of the house, I homeschool our 9YO and we have a 16YO who is a junior at the local high school.  We make an insane amount of money but we are not rich.  Would like to change that.  Need to treat our debt "like the emergency that it is".  Right now we have two car loans, a mortgage, student loans, a HELOC, and a couple of credit cards.  We have not been adding to our debt for a couple of years, but we are not paying enough of it down either.  I am not convinced that it is possible for us to get our expenses down to this level, but I am open minded.  Can't hurt to try, right?  We are 9 years from having an empty nest, I would like to be able to travel and spend time with my husband semi-retired at the age of 50, by then.

Title: Re: Say Hi and Introduce Yourself
Post by: Loud Noises on October 16, 2013, 02:05:41 PM
Loud Noises here.  I came upon MMM a few weeks ago and have been digesting it regularly.  MMM lines up with much of the way I have been thinking about my life lately.  I'm 28 and love what I do for a living.  In fact I hope I never stop doing it.  My goal is merely to achieve FI so that I don't have to worry about money, because my career is notoriously feast or famine.  I have a long way to go but every journey begins with a single step.  I'm projecting a roughly 50% savings rate over the next year and every dollar moves me closer to my goal!
Title: Re: Say Hi and Introduce Yourself
Post by: auntbecky on October 17, 2013, 01:10:47 PM
Hey everyone!  I'm Becky.  I'm 32, married and have 3 kids.  We are both IT professionals and make a decent wage.  I am currently in a disappointed/rageful (alternating back and forth) state at how much we bring in, and how we are no better off than when we first married and lived off of one very small income.  I am very thankful for the blog and forum guides and figured it was time to stop lurking and start making myself accountable.
Title: Re: Say Hi and Introduce Yourself
Post by: Anodyne on October 17, 2013, 06:12:37 PM
Hi guys,

I'm a 24-year old recent college graduate living in the San Diego area. I've been reading MMM and other FI blogs for a while, but as I'm starting my first "career" 9-5 job next week, I thought I'd join you all on here and ask all you wise people for some advice. :)
Title: Re: Say Hi and Introduce Yourself
Post by: Sneezy on October 20, 2013, 11:36:31 AM
Greetings!

I just found MMM (through ERE) this weekend. It has been quite a while since I felt so inspired and excited about my possibilities.

My wife and I live in Oak Ridge, TN (near Knoxville), and I work at the national lab. My plan of record to this point has been a traditional retirement at age 63 (2023) with a pension, social security (if there's anything left), 401k, and IRAs. However, exposure to the ideas here at at ERE has gotten me thinking about the possibility of accelerating that schedule.

Current situation: about 6K of income each month, with a mortgage (started at $153K in 2011, now at $88K, plan to finish by end of 2015) and a car loan (8K, plan to pay off with proceeds of selling already paid off 2nd vehicle next month -- we're keeping the small efficient Versa and selling the big wasteful Quest). We're currently putting about half my take home on the mortgage and see some ways to increase that a bit around the beginning of next year.

Of course, once the mortgage is gone, that 50% will be going into building the 'stache. So far, we have around $240K in assets (401k, IRA, and taxable investment account) accumulated, so we're not doing too badly.

What I hope to learn here is how to reduce our expenses further so we can get to FI with a smaller 'stache, faster.

As it turns out, I do have a bike and rode it to work for much of 2010 and 2011. Over the past summer, my wife took up running and I stopped riding the bike so much as I was running every morning with her. However, the ERE/MMM gospel has inspired me to get back on the bike. Riding to work most days will save us about $1000 a year in gasoline, not to mention the wear and tear on the car.

The ideas of simplicity/frugality/minimalism on the one hand and early retirement/financial independence on the other have always appealed to me. ERE and MMM (and I hear there are others out there) are the first sources I've encountered that show how the two fit together in such a synergistic, serendipitous fashion.

I'm very excited and happy to be here. Looking forward to getting to know everyone.

Tom
Title: Re: Say Hi and Introduce Yourself
Post by: RockinRobin on October 20, 2013, 03:49:26 PM
Hello,

I came upon MMM through Reddit, one of my other addictions. I am a 52 year old nurse in NC who has three grown children and a wonderful husband and one old dog. We are currently trying to whip our finances into shape for retirement in the next few years. We have quite a few assets, but I really don't know what we spend since we have been flying by the seat of our pants for years.

Since I started reading the blog, we have seriously downsized our spending on many things, but the food budget is our biggest problem area. I am still trying to figure out what the monthly food budget is exactly...I tend to stock up on things when I find a good deal so it's going to take a while to break it down.

Let's just say I'm still working on it. I'm hoping to get our expenses down to a point where we can retire even sooner, maybe in the next year or two. Thanks for reading :)
Title: Re: Say Hi and Introduce Yourself
Post by: NearlyThere on October 21, 2013, 01:16:29 AM
Morning guys and gals,

I found MMM via monevator well over 6 months ago and digested the entire blog in one sitting. It wasn't a pretty sight the following morning. I'm 31 years old, married (no kids) and have 2 successful small businesses. I think I live frugally, but then again I last Wednesday I easily spent £100+ on eating out. Not mustachian and deserved of a Major Facepunch, hence the name.

The plan is to curb my frivolous food spend first and foremost as this is the largest area of concern for me. The rest will follow suit!

Title: Re: Say Hi and Introduce Yourself
Post by: random_nobody_23 on October 23, 2013, 03:44:10 PM
Hi all,

22 y.o. just about to begin my career as a teacher. Living with partner and my dad to save money.
Moving west soon.

Have always been frugal due to necessities of being a student but been actively working toward FI since 20.

Some savings between the two of us, a $22,000, newly acquired debt from university.

Would love to be FI before 35.
Title: Re: Say Hi and Introduce Yourself
Post by: 2girlsdad on October 23, 2013, 04:06:42 PM
Hi.  I'm Brent, and I'm new to MMM blog.  It's an awesome site--I've spent better part of day at continuing education seminar cruising around and I'm really enjoying it (the site, not the seminar).

Mrs. Brent and I are early 40's and are proud parents of 7 year old and her 5 year old sidekick sister.  We live in Northern California and look forward to growing our family mustache.
Title: Re: Say Hi and Introduce Yourself
Post by: xingcat on October 24, 2013, 08:29:28 AM
Patrick here. 45 and living in the Boston area.

I found this board from Get Rich Slowly (which I think has gone a bit downhill) and found that I'm really interested in the tenets of early retirement and financial independence.

I've been very good about saving, and now I have to make the leap into investing.
Title: Re: Say Hi and Introduce Yourself
Post by: surfastarian on October 25, 2013, 10:17:16 AM
Travis.  29 and 21/24th's years.  Around 34 days until my 30th birthday.  Just counted them.  Seemed easier than doing the math.

Live in the Atlanta area.

Am sometimes fond of beginning sentence fragments with verbs.

Been a long time reader of the blog.  Brilliantly written.  Love the style.

Awful debt.  Made stupid decisions.  Surrounded by crap.

Read intro thread and rules.  Never heard of a hierarchy of disagreement, but may work it into a lesson one day.  Liked it.

Thought suggestion to post an introduction thread was a good idea.  Did so.  Wrote a poem.

Hope you like it.
Title: Re: Say Hi and Introduce Yourself
Post by: Empire Business on October 26, 2013, 03:34:02 PM
Hey guys.  I am 42 and live in Seattle with my husband, no kids.  Our small "starter home" (lol, I plan to die in it) is almost paid off, and I am trying to decide what to do after that.

I have always done pretty well with being mostly frugal with a few glaring exceptions.  Now I am looking to trim more, but I am finding in some cases it may take an up front expenditure to save money in the long run.  For example, the home does need some repairs, and I am looking to change its heating system to a different type.

It seems like you have a great community here, and I am looking forward to getting all of your advice and pitching in if it's something I happen to know about. 
Title: Re: Say Hi and Introduce Yourself
Post by: Siamond on October 26, 2013, 06:39:56 PM
Hi there. After spending a little while on the ER forum (on my way to FI/ER... maybe 2014, maybe 2015, the sooner the better!), the cFIREsim author (Hi Bo!) suggested that I join this friendly MMM forum. So I did. And from the little I've read so far, this certainly seems very worthwhile. Many thanks for all the contributions of the community here.

I am 51, married, I have 3 boys, 2 in college (OUCH!) and 1 younger. I live in the Boston area, and I love to fish... Once I can get out of the regular work grind, one of my side activities will be to act as an occasional fishing guide, notably with kids. I always enjoyed it very much, so I might as well make a few $$ while pleasing kids, parents and enjoying myself by the same token.

Oh, and I do have a mustache. Comes with a beard (and not much hair left on top)...
Title: Re: Say Hi and Introduce Yourself
Post by: Moomingirl on October 26, 2013, 07:02:46 PM
Hi everyone, I'm in NZ, and working towards (and looking forward to) early retirement.

I'm pushing 40 (hard!) and wish I had found MMM and ERE ten years ago. I'm making up for it now though.
Title: Re: Say Hi and Introduce Yourself
Post by: BroncoRon on October 27, 2013, 06:46:27 PM
Hi - I'm Ron.

I'm a 27 year old Engineer in NY.  I make a nice salary but am trying to kill the remainder of my student loan debt before purchasing my first home; hopefully by 30 years old.  I'd like to retire by 45.

I'm looking to learn more about investing and saving, and becoming more "frugal" with my spending

Title: Re: Say Hi and Introduce Yourself
Post by: syslogv4 on October 28, 2013, 05:12:03 PM
Hello everybody

About Me:

I am 24, married my highschool sweetheart at 21, bought our house at 21 and have no credit card, student loan or car loan debt.

My wife is an EMT (soon to be paramedic). We are right at the national average for household income.

I drive a 1993 Chevy S10 (got for free from my dad when he bought a newer truck). My wife drives a Scion (we paid cash, salvage title, but nothing wrong with it) We also have a F350 for a farm truck (again paid cash)

Other than the last few months, we typically have a 45% to 55% savings rate.

We bought a foreclosed house and got a great deal on it (cheaper than rent). Although, we are selling to buy one with more land.

We are looking forward to increasing our savings % !!!
Title: Re: Say Hi and Introduce Yourself
Post by: Heart of Tin on October 28, 2013, 05:13:38 PM
Per forum etiquette I'm here to say hello. My name is Heart of Tin, but you can call me Tinny. I'm 24-years-old living in Kansas City where expenses are low, and the weather is erratic. My field of expertise is actuarial science, but I'm still waiting to get my second foot in the door so that my savings can really take off. I can't wait to meet all of you!
Title: Re: Say Hi and Introduce Yourself
Post by: Leggo on October 28, 2013, 06:36:29 PM
I'm Leggo.  Well, technically, that is my husband's nickname that I stole because it is awesome.  I guess I'm Mrs. Leggo.  Anyway...spent a lifetime thinking I deserved the finer things.  Just now realized that stuff does not equal happiness and trying to make it right.  Have about $100k in retirement savings once you subtract the mortgage.  Also just realized I've been ripped off by paying for WL insurance for 20 years, but fixed that immediately.  Like MMM said, we're going to live to be 120, so do I really want to spend the next 80 years paying for that?

Two kids...yep, recognize that they are a money suck, but for us, SO WORTH IT (to each their own).  I have fantasies of early retirement and homeschooling them while traveling the world.  Let's get to it.
Title: Re: Say Hi and Introduce Yourself
Post by: D.williams on October 29, 2013, 02:54:41 PM
Hey guys,

My name is Dan, I am a landlord and look forward to contributing to the community any way possible! Until next time folks!
Title: Re: Say Hi and Introduce Yourself
Post by: ejann1 on October 29, 2013, 07:11:23 PM
Hi, I'm Eva!  So great to have access to such an inspiring, helpful community of like-minded folks.  I posted my first on the forum on October 19, "Simple but fundamental question."  I'd love to hear from everyone. 

I'm 24 with no debt, working full time.  It's going well, but I've so many questions about how to do this whole retire-early thing...
Title: Re: Say Hi and Introduce Yourself
Post by: Pixie on October 31, 2013, 10:42:32 AM
Hi, I am a full time sahm, homeschooling three kids 14, 11 & 8.  My dh is a public school teacher & does remodelling jobs on the side to bring in extra income.  Historically, we haven't made good financial decisions.  We got married at 23 right after dh graduated.  We didn't know how to make good financial choices, or to even how or why to think about our future.  We've had some good things happen, but we didn't capatalize on them, so we're not better off.  The one thing we have going for us is dh's retirement plan.  Currently, We try to be frugal, but still live paycheck to paycheck & can't manage to save or pay off debt.  We're about to receive an inheritance that can turn this situation around & I really want to manage it well.  I'm going to post a case study, so I won't go into more detail here.  I literally cried when I found out about this unexpected inheritance, I want to use this to change our lives.
Title: Re: Say Hi and Introduce Yourself
Post by: rocksinmyhead on October 31, 2013, 10:46:09 AM
25, live with my boyfriend and Oscar (who is a 10-yr-old husky/German Shepherd mix and not an actual human child). Living in Oklahoma for the last almost-2 years, which is way different from where both of us are from but we're finding fun things to do, and it has the upside of a very low cost of living! Like Ron, I am trying to pay off my horrifyingly stupid student loan debt before we buy a house, and hopefully also before we get married (which is eventually in the cards, no specific date). It's hard to determine exactly how much I've paid off since I started paying on them last year, but I just paid off the second one with a bonus last week and I'm down to $38,000... woohoo?! Due to the not-married thing our finances aren't actually combined, but we talk about our future financial goals a lot and share costs on most things.

I got started in my job late (beginning of 2012) due to grad school, but it was worth it for the salary and a fun job. More than actual super-early retirement, I'm hoping for financial stability and a sorta-early retirement (anything before 55 would be peachy!) Watching my parents and my boyfriend's parents near 60 with barely any retirement savings and their homes not paid off is fucking terrifying... I don't want that to be us. I guess I also really like the concept of "fuck you" money... I want us to have the freedom to quit our jobs or move if we are really unhappy.

MMM was suggested to me by my aunt, who said "I know you are a frugal, thoughtful person"... I was super flattered because their family has always been very frugal--not retired yet but it enabled my aunt to be a stay-at-home parent, and they were the first one-car family I knew :)

Anyway, this is getting long, but super glad to have found this resource... I look forward to learning a lot from advanced Mustachians, and getting better at growing my own 'stache!
Title: Re: Say Hi and Introduce Yourself
Post by: FrugalInTraining on October 31, 2013, 07:42:54 PM
Hi Everyone!

While I don't think of myself as an extravagant person, when I think of the amount spent on takeout food over the last decade. . . well, let's just say it adds up.

This blog has given me the kick in the pants (or punch in the face) I needed to pack a lunch and cook dinner at home for the past two weeks - a longtime goal often ignored.

I live in New York City, so some details of the Moustachian lifestyle are bit different for us.  But I'm finding lots of ways to improve my badassity, and starting to bring my husband along for the ride as well.  He likes conveniences, but our debt makes him uncomfortable, so vowing to pay it off is something he can get behind.

We still have lots of progress to make, but I look forward to more inspiration from you all here on the forum.  Glad you are here!
Title: Re: Say Hi and Introduce Yourself
Post by: YMDreamer on November 01, 2013, 10:01:14 AM
Hi, I am new here and already replied to a message before properly introducing myself. Sorry for that.

I found many things I can relate to on the blog of Mr. Money Mustache. For instance being a biker since early childhood and choosing to relocate to diminish my husband's commute. FIRE is my goal, but we (my husband and I) are only starters when it comes to building stache.
Being unemployed at the moment does not really help and I may need some punches in the face to improve that. On the other hand, our only debt is our mortgage and we were able to put quite some extra money into it this year, which was awsome.

I will start a journal to give more detail regarding our situation and tell about improvements on the Mustachian road. I am looking forward to meeting other Mustachians, although I am a bit insecure. MMM and the forum inspires me a lot and I hope the Mustachian 'movement' will grow and grow. On the same note, I hope the forum will stay as nice as I think it is now. Thanks everyone who contributes to the good atmosphere and the useful conversations here.
Title: Re: Say Hi and Introduce Yourself
Post by: mollylolly on November 02, 2013, 10:46:44 AM
Hello! I have spent most of my free time over the last few weeks reading every MMM post from the beginning (even took a day off from work for the project!) and now, somewhat sadly, I'm all caught up. Have already made MASSIVE and AWESOME life changes based on my Mustachian education--have sold a ton of crap (including a ridiculous BMW), optimized for energy savings around the house, and dialed waaaaay deep into our family finances. I'm super stoked to have come across this incredible resource and am truly grateful for all I've learned. Looking forward to checking out the conversations here!
Title: Re: Say Hi and Introduce Yourself
Post by: pipercat on November 02, 2013, 07:28:36 PM
I just recently found MMM through YNAB, and I have been spending quite a bit of time reading all the posts from the beginning.  Today, I discovered these forums as well!

Although my own mustache is barely peach fuzz, I am already using many mustachian principles in my own life.  I look forward to learning more!
Title: Re: Say Hi and Introduce Yourself
Post by: onFIRE on November 02, 2013, 11:06:28 PM
Thanks to the Tightwad Gazette and Your Money or Your Life, I spent my 20's being frugal- paid off $5,000 of student loans early, saving money to quit my job and travel for months every few years, etc. Spent my 30's getting married, buying a house, and getting comfortable spending what I made.  I look back now and wonder what the hell happened?  My Dad died when I was forty and that plus some other stuff created a sort of midlife crisis and I realized that I didn't want to waste to much more of my limited time on this earth working.  A frugal friend directed me to MMM and my course was immediately corrected.  So far we have gotten rid of the car loan and have cut spending way down.  Next, we will attack the mortgage because that will be the FU money we need (without a mortgage we can live on my paycheck alone and I don't make very much) for my husband to have the option to quit his job- or stay if it seems more bearable when he no longer HAS to stay and we can reach FI even earlier.
Title: Re: Say Hi and Introduce Yourself
Post by: Russ on November 03, 2013, 06:39:44 AM
Thanks to the Tightwad Gazette and Your Money or Your Life, I spent my 20's being frugal- paid off $5,000 of student loans early, saving money to quit my job and travel for months every few years, etc. Spent my 30's getting married, buying a house, and getting comfortable spending what I made.  I look back now and wonder what the hell happened?  My Dad died when I was forty and that plus some other stuff created a sort of midlife crisis and I realized that I didn't want to waste to much more of my limited time on this earth working.  A frugal friend directed me to MMM and my course was immediately corrected.  So far we have gotten rid of the car loan and have cut spending way down.  Next, we will attack the mortgage because that will be the FU money we need (without a mortgage we can live on my paycheck alone and I don't make very much) for my husband to have the option to quit his job- or stay if it seems more bearable when he no longer HAS to stay and we can reach FI even earlier.

Hell yeah, another Madison member! Keep an eye on the meetup board if you're interested; we're probably going to have another one here in a month or two.

Welcome and congrats on the turnaround!
Title: Re: Say Hi and Introduce Yourself
Post by: onFIRE on November 03, 2013, 07:22:10 AM
Russ- I am married to No Mas, who came to the last meet-up, and hope to make the next one.
Title: Re: Say Hi and Introduce Yourself
Post by: Russ on November 03, 2013, 07:45:59 AM
sweet. Your husband is one awesome dude.

look forward to meeting you!
Title: Re: Say Hi and Introduce Yourself
Post by: Onomatopoeia on November 03, 2013, 03:14:58 PM
Hello everybody, I'm new to the forum. I've been lurking for a few weeks, love reading the blog/forum. I'm 27 and have been working in engineering since graduating college in 2008. Although I've always been considered "cheap" by family and friends, I have spent WAY too much of my money on convenience, which I've been successfully curtailing over the past few months. I want to become financially independent so I don't have to work in a cube farm and can spend more time with my future children.

I'm looking forward to increasing my savings rate and meeting you all!
Title: Re: Say Hi and Introduce Yourself
Post by: frostymustache on November 03, 2013, 06:57:53 PM
Hey! I'm Frosty.

25, Wisconsin, on the path to a better financial future!

Title: Re: Say Hi and Introduce Yourself
Post by: Mumintheburbs on November 03, 2013, 07:29:31 PM
Hi! I'm in my 30s and married with three daughters.
I was raised by (partially) self sufficient hippies, now I'm married to a super consumer in the burbs of one of the most expensive cities in the world. Trying to work out what my values about money, life and happiness really are and if there's any middle ground! Loving the MMM blog and community so far.
Title: Re: Say Hi and Introduce Yourself
Post by: Annamal on November 03, 2013, 08:13:46 PM
Anna

33 New Zealand software developer, no kids, no house, no car  some savings and one partner.

I was raised by mustachians (parents and grandparents both) and while I haven't been as frugal as I could have been I've never been in debt either.

I'm still contemplating taking the plunge and buying a house in the horrendously inflated NZ property market (it's awful but it has been awful for so long that the awfulness has become the new normal).
Title: Re: Say Hi and Introduce Yourself
Post by: mikeigle on November 05, 2013, 12:46:12 PM
this is mike i., 25, from gainesville florida, checking in for the first time.

by the time i graduate from grad school in 2015, i will have around 90k in student loan debt. (right now the figure is at 45k)

yes, this makes me angry. i want to kill this debt as soon as physically possible–neigh! before.

i am determined to retire from the 9-5 scene by the time i turn 40.

i need all the help i can recruit.  this blog/forum seems to me a solid source of financial wisdom.

anyone have any advice for the student life? any links to articles...  good books...  quick (or long) tips?... any personal success stories...

many thanks to any and all who put time into badassing the system!
Title: Re: Say Hi and Introduce Yourself
Post by: SDIRA on November 06, 2013, 02:59:06 PM
Hey everyone,

My name is Loren and I'm new to the forum. I live in Louisville, CO with my wife and two young boys. I've recently been turned onto this website and look forward to participating.

I bring a unique knowledge base to the community to look forward to helping others where ever possible. I specialize in self directed retirement plans for alternative investments. Essentially, the company I work for offers retirement accounts (IRAs, 401ks, HSAs, ESAs) that help facilitate investments outside the stock market. Common investment examples include: real estate, gold and silver, notes, private equity, and more. We provide the custodial services and administration services to handle all bookkeeping and IRS reporting for these types of assets.

I bring this to everyone's attention because the tax benefits associated with certain qualified plans can dramatically effect your retirement.

If anyone has questions or needs assistance, please don't hesitate to private message me. I'll do whatever I can do help this community.

Thanks and I look forward to meeting others.

Loren
Title: Re: Say Hi and Introduce Yourself
Post by: ThisIsBananas on November 07, 2013, 08:42:14 PM
Howdy, Im Jack
Title: Re: Say Hi and Introduce Yourself
Post by: jbird on November 08, 2013, 02:37:53 PM
Hi, I'm jbird. I'm here to guilt myself into making better choices about money. :)
Title: Re: Say Hi and Introduce Yourself
Post by: Chuck on November 09, 2013, 11:47:57 AM
Hi!

I'm Chuck, and I found this site by accident while googling ways to tax optimize my investment accounts. I'm a 25 year old DoD contractor vet living in NoVa burbs. A very recently reformed Volcano of Wastefulness, I converted to mustacism before I knew it had a name by changing my eating habits, moving extremely close to work, and cutting my car spending by over 80%.

I'm quite a ways away from FIRE, but I'm close to the the more attainable "Financial Security" (which I define as "can get by on minimum wage if necessary."

Been a reader for 6 months, figured it was time to participate. Glad to be here :)
Title: Re: Say Hi and Introduce Yourself
Post by: ragstoroths on November 10, 2013, 06:43:14 PM
Hey Everyone,

Originally from the cornfields of IL and now living in Philadelphia. I grew up poor and, although I've always worked, all of my earnings have gone to my education (and one manic spending spree in 2011). I'll have my $200,000+ degree in December with only $7,000 in debt. Only asset is a very small Roth IRA,  but also no liabilities.

Right now working to finish up my last semester and start the job hunt. My degree is in the humanities and I have work experience in non-profit program management and in retail management. In hindsight, I wish I would have done more with economics, management or business strategy because my interests tend to lean in that direction. Not sure where to go from here.

Hoping to learn a lot and connect with interesting, like-minded people like you through this blog.



Title: Re: Say Hi and Introduce Yourself
Post by: baniak on November 11, 2013, 08:42:45 AM
Hello,

I'm Layne (aka baniak). I discovered Mustachianism a few weeks ago via the YNAB podcast interview with MMM. Definitely was a wake up call to me - that I have veered far off the path towards goals that I have held for most of my life.

I'm 35, and in the past 7 years I have yo-yo'ed between having savings and being in debt. Currently, I am "lucky" only to have a small credit card debt, which I will be paying off ASAP. From there, hope to start growing my 'stache.

Title: Re: Say Hi and Introduce Yourself
Post by: Bartstache on November 13, 2013, 11:59:33 AM
Hi I'm Bart and I've been a viewer of MMM for about 4 months and thought it was finally time to jump in.  I'm married and look to be a bit older than most here at 47.  My wife and I have always tried to live within our means but never really had a plan for getting to retirement.  MMM has given me the direction I was looking for and has already sparked multiple changes in my life. 

After years of hearing financial experts saying I need to have more in retirement savings than I'll probably ever make, it is refreshing to finally hear some people making sense and finding out i'm not really all that far away from FI. 
Title: Re: Say Hi and Introduce Yourself
Post by: Torgo on November 13, 2013, 08:07:55 PM
I aM tOrGo... I tAkE cArE oF tHe PlAcE wHiLe ThE mAsTeR iS aWaY...

Bonus points to anyone who catches the Manos/MST3k reference.

24 year old molecular biology graduate student here, trying to deal with the fact that a lot of the biological research jobs with the most professional freedom have lower pay.  Gotten various bits of inspiration from this place over the last few months.  For the past two years, my savings rate on a grad student stipend already averages about 26%, so not doing terribly already, rather interested in poking around here more.
Title: Re: Say Hi and Introduce Yourself
Post by: aspiring mustachian on November 14, 2013, 06:53:18 PM
Hi,

I'm 28 and working on getting myself out of the financial hole I dug. I graduated with a B.A. in history from a "prestigious" (i.e., brand name, lol) university in 2011. I have $31,000 in student loan debt, around $800 owed to a bank, and probably some other things that haven't caught up to me yet. I decided never to get another credit card after getting into trouble 7 years ago and subsequently realizing how evil credit is (and how irresponsible I can be, so I'm not blaming the CC companies), so at least I don't have any credit card debt.

I just got my first ever full-time job that pays a living wage. I've been following MMM for a couple of months now and figured it was time to join the forum so I can learn from people who are farther in their journey towards FI. My partner isn't on board with total frugality, which is a little frustrating, but I figure he will either come around once I start making progress. I got him into couponing and stocking up on insanely cheap groceries, so perhaps there's hope. At this point we don't have joint finances, but I know it will be a problem if/when we get to that point and still don't quite see eye-to-eye on finances. One example that bugs the living crap out of me is that he believes in buying stuff just because he wants or I want it. I'm content with ogling and handling something, then realizing that I don't need it and the money is better off in my pocket.

I've made some progress so far. I upgraded from a POS oversized vehicle to an early '90s manual transmission econobox in decent shape and I'm learning how to drive it (yup, I'm one of those millennials who doesn't know how to drive stick) with the help of my partner. When I was working at a shitty job at a big box retailer that shall not be named, I got into saving part of my paycheck during the weeks I was given almost full-time hours. Once I have a decent income (currently I only get paid from my side gig and when the on-demand temp agency has work for me), I want to set up a $1000 emergency fund, start paying down my loans more aggressively, and start saving up for an expensive medical procedure I know I'll need in a few years.
Title: Re: Say Hi and Introduce Yourself
Post by: olsmj on November 15, 2013, 06:36:19 PM
Hi! I'm a 26 year old chemistry teacher in the south and I've been reading MMM for about 8 months.

I was raised by musicians who encouraged education and experiences over "stuff" and prestige, so I've always been pretty frugal. My saving was always pretty short-term, though, focusing mainly on travel or other big purchases. I traveled to Italy this spring and realized that I want to have the freedom to go where I want when I want, and I don't want other people to own my time. I started researching how to do long-term travel and that eventually led to ERE and MMM. It opened my eyes to all the cool stuff my salary can do! I started investing in more than just my IRA and critically examining everywhere I put/spend my money. I'm saving at about 55% right now (investing about 45% - the rest goes to travel) and I'd like to increase that but I also feel comfortable with my spending.

I think the focus I've devoted to my financial situation has led to more awareness of my life overall. I feel happier while spending less money! I'm developing healthier habits (still not on a bike yet, I have a boatload of excuses that are all empty but I cling to them for some reason!) and am more appreciative of what's around me.

(also, the Manos reference above is awesome! MST3K and Rifftrax are delightful!)
Title: Re: Say Hi and Introduce Yourself
Post by: sunshine on November 17, 2013, 05:28:34 PM
Hi everyone! My spouse and I are both 43 and retired is where we want to be! I looks forward to sharing some info and picking everyone's brains!  We are debt free with an ok start but we have a lot to learn.
Title: Re: Say Hi and Introduce Yourself
Post by: suzanneseale on November 18, 2013, 06:55:27 AM
My goal is to own (i.e. no mortgage) my first property at 25, and completely financially independent by 30.
Other things I dream of are owning a franchise, owning an apartment complex, taking a trip to space, inventing something useful, building my own house (i.e. pulling out the hammers and saws, not hiring contractors. Never understood why people refer to that as building their own house) I may get married after I achieve the above.

Wow, your dreams are epic!  Good luck with them all!

http://www.mrmoneymustache.com/2011/05/28/weekend-edition-the-magic-of-thinking-big/ (http://www.mrmoneymustache.com/2011/05/28/weekend-edition-the-magic-of-thinking-big/)
I also read the book and take it seriously. Thank you :)

I think that goal is quite possible. I did it but I don't have kids. My 4-year college education was paid for by my parents and I paid for my 2-year grad school with money I earned while working nights as a mental health counselor which paid a very low salary. One thing about the job though was that I was not required to dress well, drive a nice car or pay for expensive lunches. In fact, the opposite, I was encouraged to look poor.
I ran my own graphic design business which was quite lucrative at the time and still worked at the nighttime mental health job 3 nights a week which was full time and I was able to sleep during my shift.
I had a husband who spent more than me, so I had to support him and the house we bought. We added a small income apartment to the house right away.
Our parents each gave us money toward the down payment. My husband's schooling was also paid for by his parents. We divorced and he got a sum of money from our savings. He did not like the mustachian ways and decided to take the savings and spend. (Something to watch out for when you are married.)
Once he left, I got 2 roommates, plus having the tenant and I had reached financial independence and paid off the house in 5 years. It could have happened sooner.
I worked the 2 jobs for a total of 10 years while also working on the house.
Since I had expected to have children, I wanted to be there to take care of them instead of always worrying about money and going to a 9 to 5 job.
Title: Re: Say Hi and Introduce Yourself
Post by: myllanac on November 20, 2013, 11:05:18 AM
Hi, I'm a recent fan of MMM (thank you Jesse at YNAB) and young enough (27) to benefit from this approach.

I plan on asking more specific questions in a separate post but a little about me:
- Age 27, married (wife is 26), two kids (one is two and the other is four months).
- We have no debt except our one-year-old mortgage (30 years at 3.5% fixed).
- I am the sole breadwinner; my wife does some babysitting/child care but that is less than $5,000 a year, and not year-round. With two kids and our income what it is, we do benefit from a negative payroll and income tax rate thanks to the EITC. We use that for once-a-year expenses (car registrations, life insurance premiums), and our short-term savings goals (a replacement minivan within two years).
- After (minimal, due to above) tax withholding, health and retirement contributions (maxed 401k), our core expenses minus our mortgage ($9k per year PITI, 30 year fixed) are already at about $25k, close to MMM.

The main things I'm looking to get advice for are:
- How to optimize our spending, particularly in the largest areas of our control: food, car gas, utilities, and personal and household expenditures (basically the non-food staples you buy at the grocery store - toilet paper, paper towels, cleaners, toiletries, etc.).
- Income generation ideas for stay-at-home-moms of infants and toddlers. We don't do daycare and we have another 9-12 months until our oldest is ready for preschool.

Thanks, and I'm looking forward to meeting many of you.
Title: Re: Say Hi and Introduce Yourself
Post by: 20out on November 20, 2013, 02:31:40 PM
Hi.  Been lurking for a couple weeks.  Wife and I are 29 and plan to retire at 50.  Debt free except house.
Title: Re: Say Hi and Introduce Yourself
Post by: melalvai on November 21, 2013, 09:23:51 AM
I don't read these introductions and I don't expect anyone to read this, but providing a bit of background just in case anyone reads something else I wrote and wonders "Who does she think she is?"

I learned about MMM through YNAB and through a friend (the director of the Missouri Bicycle & Pedestrian Federation is a fan).

We just became a 2-income family (combined income $129k) but mine will go away in a few months. We own one car (paid cash) and we rent our house. My husband has student loan debt and our daughter is quickly incurring student loan debt. :(

We're on average 40 yrs old (as of Dec 2013), and I'm overeducated with a PhD in Biology. I'm a research professor in a private osteopathic medical college-- research only, no teaching. My research area is a collaboration with an orthopaedic surgeon and we are studying posttraumatic osteoarthritis. This is not the field I was trained in, and sorry, we haven't discovered anything useful yet. In fact we won't discover anything, as we didn't get a grant this summer and therefore my contract is not going to be renewed.

Far from being devastated when I got this news, I was excited. I've been dissatisfied with this career for 13 years-- far too many-- and I welcomed the opportunity to change. I haven't been able to before, because I've been supporting the family. On a postdoc salary. But 3 years ago, my husband went back to school and got a degree in Computer Science. While I was a research prof, he wasn't able to get a job since we lived in a small town. But when we got the news about my contract, he put in 2 applications to a slightly bigger town and immediately got 2 offers.

That student debt of his is looking a little less of a stupid decision now that he has a job which enables me to finally break free of a career I dislike.

We became a 1-car family in 2004 and I started biking, just until we could afford a car payment for a 2nd car. Ha! Not on a postdoc salary, and I discovered that I loved bicycling and I loved not having a car payment. Wow, that opened my eyes. Not have a 2nd car! Not have a car payment! These amazing concepts fly in the face of everything I thought I knew.

What I don't like is traffic, and bike/ped advocacy is the one thing that makes me feel empowered to handle the inevitable honks, yells, buzzes, and the worst kinds of harassment on the road.

You know what else I like? Bike touring!

As I look ahead to switching careers when my contract expires, and saving up during these few months that we have a hefty double income, I'm considering urban planning, traffic engineering, or bike/ped advocacy.

Our daughter is a freshman at an engineering school. She's considering civil engineering. I'm jealous. Also worried, as she will end up with a lot of student debt and she has been very unhappy during her first semester. But I have to let her make her own financial mistakes, and who knows, maybe the student loans won't be a mistake for her.

That random collection of facts will explain quite a lot if you're stalking me. If you're curious, I'm happy to share more. :)
Title: Re: Say Hi and Introduce Yourself
Post by: bdonney on November 22, 2013, 05:55:36 AM
Hi, my name is Kyle, I'm 26 years old living in Elkhorn, Wisconsin. found this blog about a month ago. Never really do blogs or forums ever despite being in IT, computer and programming work. so this is new to me. I've read through quite a few of MMM blogs and most interested in joining discussions because I'm not used to meeting people with similar frugal thinking. MMM preaches to the choir with me, but I may have just saved one of my friends sending him to this blog. I talk about retirement and people think I'm weird. Engaged to a girl with some debt issues that I've been trying to teach the frugal ways to her for the past several years. That's my story in a nut shell.
Title: Re: Say Hi and Introduce Yourself
Post by: FrY10cK on November 22, 2013, 02:21:56 PM
My second post on the forum.

The Porsche 911 that I wanted when I was a kid is now a Campagnolo equipped super light road bike.

The pickup truck I used to have is now a 29er with a cargo trailer.

My version of the Hummer/Suburban/Escalade that never goes off-road is a fat bike with 4.7" wide tires and it does go off-road, very well in fact.

I'm really interested in recumbent trikes but that's something for the future.
Title: Re: Say Hi and Introduce Yourself
Post by: ReepWhatYouSow on November 23, 2013, 08:40:01 PM
Hello All,

I'm a 28 year old mechanical engineer in Columbus, OH.  I was turned on to the blog by a co-worker about 10 months ago and have been catching up and following along ever since.

Was raised by a family of entrepreneurs so have always been somewhat frugal, but trying to implement things from the blog that are an improvement from what I've been doing.

Looking forward to getting some advice on a new adventure to join the family business in the near future.
Title: Re: Say Hi and Introduce Yourself
Post by: Woodreaux on November 25, 2013, 09:01:01 PM
Hi all,
Just found MMM and have enjoyed reading thru from the start.

Married. 2 boys (5 & 3) and a girl on the way.  But I'm determined to "retire" early dammit.

Cut my debt free teeth on Dave Ramsey and have since moved on.  We snowballed about 40k in debt in a year and a half and now just have the mortgage.
I plan to pay the house off (157k) in 5-7 years.

Anyway, that's a glimpse of me. Just wanted to say hi and I look forward to learning the Mustaschioed Way with all of you.

Title: Re: Say Hi and Introduce Yourself
Post by: frugalchevy on November 26, 2013, 06:37:39 PM
Hi, I'm Shavonne and live in Calgary, Alberta Canada.  Married with one grown kid.  Love Money Mustache and have learned so much.   42 years old, no debt, emergency fund in place, looking at our first revenue property. Just built our dream home and are working hard to pay off our $425,000 mortgage before I hit 50!

Dreaming of early retirement......
Title: Re: Say Hi and Introduce Yourself
Post by: lovesthesea on November 27, 2013, 12:07:44 AM
Hi, I live in the Pacific Northwest with my husband.  We got out of consumer debt this past March (debt due to start up cost for starting our private practice businesses) and have been saving about 40% of our income since.  While we were digging out of debt, I had this very simple system of decorated envelopes which kept us on our budget: we allocated cash into them to pay our expenses throughout the month.  Counting out hundred dollar bills for rent really does have a different effect than writing a check or debit.  We now have enough $ to get into a small house after we do our taxes in January, one that we plan to have paid off in a few years.  Our plan is to have a house we own outright, at least one rental, and also funnel excess money into stocks.   To get all this expedited, we've been living in a 375-square-foot studio apartment for the past two years!  Every married couple should do this, as it will either make you or break you, plus every home afterward will feel like way more than enough.  I'm glad I found this site; I was on ERE for a little while but found the tone too serious.  Saving money is fun!
Title: Re: Say Hi and Introduce Yourself
Post by: azmtnbiker on November 27, 2013, 09:04:57 AM
Hi Mustached ones.  My name is Mike.  I'll be 50 next year.  I live in Tucson, AZ with my wife of 26 years.  We have two awesome kids, ages 21 and 15.  We started the debt-free journey years ago using John Commuta's (sp?) book Debt Free and Prosperous Living which is very similar to the Dave Ramsey "snowball" method.  We eliminated all credit card debt prior to our first child's birth, took a couple of years to eliminate the car loans and three years ago we made the last payment on our primary residence.  We also own a vacation home free and clear.  My wife hasn't worked since our youngest was born and we have lived well below our means for many years.  I like what I do so, even though I could call it good right now, I plan on working for another five or six years, unless I get a wild hair.  ;)  (We can't really hit the road until our youngest is in college anyway.)

We are sold out on the MMM philosophy and a several years ago began moving toward a simplified lifestyle.  What used to be counter culture now seems to be mainstream.  I am encouraged by the Mustached One's blog and am working even harder to streamline my life.

Really glad I found this blog!

Mike
Title: Re: Say Hi and Introduce Yourself
Post by: 2goodkids on November 28, 2013, 08:37:06 AM
Happy Turkey Day!

Hi, I'm Joe, lucky father of 10yr old twin boy and girl and husband of a great woman.
Just discovered MMM and what perfect timing to find it; wife and I are 46 and putting refined plan in place now to allow "retirement" in 9 yrs from my full time, big company job. She works part time. Got a good head start on savings, low debt and grandma is adamant to foot the full bill for both kid's college educations. That last one I still have to pinch myself about. I paid for 100% of my own education.

Anyway, Not sure if the full MMM lifestyle is for me but what I've been reading so for on the site and comments in the forum is hugely inspiring and helpful to me.

Looking forward to reading and contributing.

Joe
Title: Re: Say Hi and Introduce Yourself
Post by: hernandz on November 28, 2013, 09:58:53 AM
Happy Thanksgiving. I'm very grateful to have found this community that will help me pick up the pace to financial independence. 

I'm a native New Yorker, originally from Brooklyn, now in the lower Hudson Valley, in a cottage with a mortgage. I have a car loan that I want to kick to the curb and I'm working down the last $4K of medical debt as my husband retires on disability. 

You guys will laugh at this -- Went to Mint and read that my credit card, which I have vowed to kill, has a balance of $0.73. So rather than waiting a full month, I decide to send an extra payment of $1.00. Yesterday, went to Mint and start swearing as Mint indicates balance is now $1.73      &*#% credit card company must have socked me with a minimum finance charge, right?  Nope.  I have a credit of $1.73.  I am *so* used to saying I owe $x, that I couldn't see that it wasn't a negative figure.

The big fat hairy goal for 2014 is going back to school to complete a 4-year degree. We have an emergency fund that is separate from the funds that can be used for school or car loan repayment.  The plan is to find an online or mostly online program so that I will continue to work  and save for retirement while attending school. 
Title: Re: Say Hi and Introduce Yourself
Post by: wauske on December 02, 2013, 02:02:55 PM
Hi there,

I've been lurking for a bit and am impressed with both the crowd and the results I've seen so far. This enticed me to join and share ;) The nickname Wauske is Dutch (as am I) which losely translates to Spiffy.

Mrs. spiffy had already convinced me to more agressively pay back our mortgage but after reading the forums and Blog I thought to crank it up a noth (or 2). Currently we have already reduced the principal to about three-quarters of the original 120k in 2 years.

Pre-MMM:
Income: 40K annual income (22k after taxes) for myself and some 2k after taxed for the missus.
Expenses: 500-ish mortgage (about two-thirds is interest)
Extra payment: 500
Water, heating and electric: 250 (35 water, 100 electric and 115 heating). The electric and heating is pretty high because over-paying results in a major cashback at the end of the year. Practical amounts would be about 50 for electric and heating each (electric is also hot water, heating is via a shared heating system).
Health insurance (is mandatory): 168.5
Other insurances: 55
Cellphones: 12 (2 cellphone plans, not 1)
Groceries: 250-300 (produce is not very cheap but we go to the cheapest possible store)
Cable TV+Internet: 45 (Cable TV is mandatory for Cable-internet, I severly dislike the DSL monopolist so this was my only viable alternative)
Car-tax: 24


After MMM (won't list the unchanged values):
Extra mortgage payments: 850
Cellphone: 6 (killed my data plan)
Health insurance: 148.5
Cable TV+Internet: 38 (can't go cheaper)
Insurances: 24 (killed an obsolete one and transfered the others to a cheaper party with higher deductible)

As it stands the above should result in being mortgage free in about 7 years (with additional payments from tax returns etc.). Spiffy jr. however might throw a wrench, he's currently 9 months old (and relatively cheap). Depending on schooling and pre-school the timing would likely end up being 10-years before being mortgage free.
The current stash is large enough for us to risk spending roughly 60% on our mortgage relief. No definite plans on investing yet though, me and DW are in disagreement :P
Title: Sassy Lady Doctor
Post by: Maltipoomoney on December 03, 2013, 03:14:11 PM
Hi! Maltipoo doodle dog lover here.
45 married, 2 teens, aiming to FIRE from full time work in 5 years. I work 60-100 hours per week as a physician in a small US Midwest City.
Saving 27% of income now (I include the match)
Will be 30% next month
Jan 14 am aiming to increase to 50+% - got a raise, and paid off a 2011 car and cash flowed a home improvement in 2013, these $$ will be redirected!! Home improvement should encourage staycations, over vacation home.

Goal - 1. Build a fat emergency fund in 2014  - The Fat Fund
2. pay off mortgage in 3 years.  - 5 years ahead of schedule - Debt Free !!
3. Then Live off husband  returning to work (he has been stay at home dad for 7 years) or just some PT  shift work then; 1-2 per week.  Would be ok to help out college for 2 kidlets.

Adopting some MMM habits;
Cooking in
Bringing lunch
family game nights, park hikes instead of pricy spendy events
fixing broken things
DIY projects in the house
Reconsidering spendy kids lessons and travel teams;
Spendy lady clothes (wearing mostly scrubs anyway!)
Family vacations, retooling to family visits
 
MMM habits under scrutiny

Unfortunately, I Can't bike to work, or grocery; but only to a CVS pharmacy and park. I work some nights and call shifts and hospital is in a high crime inner city area 20 miles away - and - I am a wimpy girl afraid of being shot. Also time is of the essence in my line of work. I do drive a hybrid though. I am considering where I could relocate though, to bike to library/grocery/parks eventually, maybe work in a closer hospital here in the burbs.

Though we bought cars new,  we do keep our cars for a long time. Will examine this in the future. Our 2005 Odyssey has 124K on it and is doing great!! Perfect teen learning vehicle.
Needed for sheetrock transport, etc.

Confession; Am guilty of expensive private school syndrome. Started in public school. I appreciate the extra attention my kids get. They are a little uncertain at times.
DD is a junior and I am not going to pull her out in the end zone. Am ok with this. It is late in the game already.



Title: Re: Say Hi and Introduce Yourself
Post by: ricky bobby on December 03, 2013, 06:29:51 PM
Hi,
I'm Chris, and I have bad spending habits.....

New to the forum and learning every day
Title: On fire for FREEDOM!
Post by: Mlkmn on December 04, 2013, 05:47:50 AM
Hi everyone. I found MMM a month ago and got my wife on board, so we are are going full force.

We are both 28 yrs old. We just moved back to Indianapolis from Tennessee because of jobs. My wife makes $42k and I make 40-45k depending on how many extra days I can pick up at work. We live across the street from where she works and I bike 7 miles one way to work.

We have 59k in student loans, 25k in upcoming adoption costs (Its not negotiable and I just count it as part of our debt emergency), and 4k in upcoming school costs to do an RN-BSN program because it is pretty much required in Indianapolis to have a BSN for nurses to do anything outside Long Term Care.

Post tax income: 5k/month
Rent: 1200
Cellphone: 26
Internet: 30
Electricity: <70
Food and household goods: 300
Insurances/Registration: 60

We are trying to keep our total living costs as close to 1600 each month as we can.

We don't eat out, have canceled our Amazon Prime membership, and are challenging each other to not spend money this entire week.  Also, we are selling a bunch of stuff, I am learning web programming languages in my spare time, and our family and friends are donating to our adoption costs.

We plan to be debt free and investing in two years or less. Its going to be a fun ride.
Title: Re: Say Hi and Introduce Yourself
Post by: Ambergris on December 05, 2013, 02:11:58 PM
Hi everyone,

Long time lurker finally decides to post.

I'm a 37 yr old university professor, from Britain but living in the US for the last (gulp) 16 1/2 years.  I'm tenured at a good 4 year state research institution.

I grew up with some excellent Mustachian principles (including some poor but spectacularly resourceful and ingeniously Mustachian-before-there-were-mustaches family members) and hence never really got into significant debt.  I was slowed down on the income side a bit by the inevitable lots of years in school and an early marriage that ended shortly after I got my first full time job.  Fortunately, all those degrees were essentially full ride, and I paid off my total of approximately $2000 in student loan debt about 9 years ago.

I'm probably about 8 years off a fairly comfortable 3%WR FIRE, despite a bit above mid-5 figure income; I have about a 50% savings rate.

I'm car free, which is fun but makes my neighbors think I'm crazy.  I'm a walker, rather than a cyclist; my walk is about 5 miles round trip to work.  I don't understand all this mustachian obsession with expensive machines when they have perfectly good feet to get them around. :D

I've been a Boglehead for some time (I first learned about investing and indexing from the Motley Fool before they became a series of ads for investing newsletters; I picked up on the BH's from there).  I found MM (IIRC) on a thread on the BH's, and enjoyed reading him talk about all the things I'd been doing for a while.  MM opened my eyes to a variety of other possibilities, such as early retirement. 

Title: Re: Say Hi and Introduce Yourself
Post by: GodlessCommie on December 06, 2013, 09:05:39 PM
Hello Comrades, GodlessCommie here.

Found MMM on FatWallet. I have been reading it pretty much non-stop for the last week. I think my wife is getting worried about this new obsession of mine. I better scale back a bit, just so that she doesn't think it is some sort of a cult.

As I now realize, I was in many ways close to Mustachianism all my life. Growing up in Soviet Russia gave us plenty of good examples of (and experience in) simple and frugal life. We got caught in consumerist craze upon coming to the US, and made plenty of stupid moves, but fortunately managed to still spend below our means and never get into any debt besides the mortgage.

What has been lacking for me is understanding of what was possible and systematic approach. MMM provides plenty of both, which I already started putting to a good use.

PS: funny how life gives us opportunities that we don't recognize... Within the first year in the US, a guy at work told me about Millionare Next Door (or a similar book), and how it was possible to acquire amazing wealth by doing simple things like bringing lunch to work. I thought he was an idiot. Now I know an idiot was the other guy in that conversation.
Title: Re: Say Hi and Introduce Yourself
Post by: somepissedoffman on December 06, 2013, 10:08:40 PM
Hey guys,

My girlfriend introduced me to MMM a few months ago.  MMM resonates with me because I abhor debt and love bikes, and I believe ranting is the pinnacle of human expression.
I came out of school 30k in the hole, plus a 10k car loan pre-MMM (in my defense it was the cheapest new car one can buy, and is a manual hatchback) about 3 years ago, and have since obliterated those emergencies.  Girlfriend and I bought a house, so most of my money goes into that.  Hair's not on fire any more, but still looking for ways to improve savings.

I work as an electrical engineer, which is pretty sweet.
Title: Re: Say Hi and Introduce Yourself
Post by: MicroRN on December 08, 2013, 03:19:15 PM
Hi everyone - I found MMM through a minimalism/voluntary simplicity board, and I think the two go hand in hand beautifully.  I'm a nurse, my husband is a navy nuclear engineer, and we have two little boys (10 mos and 2.5 years).  We're fortunate in that we have no CC debt and we'll be able to have our remaining debt ($15K car loan and $6500 student loan) paid off by June.  We also have a high income and military benefits, so we've managed to get by for a long time without having to really think about money.  We're also fortunate that we're 31, so we have time to make some serious changes in our lifestyle.     

I really want us to be in a position that we can do whatever we want, so I'm trying to get our debt gone and our savings/investments bulked.  It'll be a hard road with my husband, because he's of the "I work hard so I spend money to make up for it" camp.  Unfortunately, that attitude is really strongly reinforced by the Navy officer culture.  I handle most of the family finances, so I'm trying to put together some information for him.  Basics like groceries/household goods I handle anyway (and I've cut those expenses by 50% over the past 2 months), but he has bad eating out, buying-gadgets-on-Amazon, and funding-things-on-kickstarter habits.  Anyway, I'm here for ideas and support! 
Title: Re: Say Hi and Introduce Yourself
Post by: jbmatth on December 09, 2013, 06:35:53 AM
Hello all, I'm JBMatth, I've lurked for a while and am now getting into some better habits.  I'm a mechanical engineer, and have been working in that field for 5 years and am up to around 110k.  My wife is a GM for a couple hotels and pulls in 60k, but after our second daughter is born (30 days from today, woo hoo!!!!!!) She will be the regional manager for the same company making ???.  I have reduced our expenses by about $500 a month and am still working on reducing them further.  We were saving around 50% before joining the MM fan club, and that will only rise from here.  We have three debts as of now, our house which we owe 77k (5.5%) on, a rental house my in-laws live in we owe 23k on (6.1%), and my wife's new car which we owe 10.6K on (.9%).  I know a new car, but it is a manual and gets 31.2 mpg so far.  My wife uses it for work and has to drive 25 miles each way for work and day care, I bike 4.6 miles each way when the temp is above freezing (read wimp).  We plan to knock out the rental house first, then save for another house that will fit us a little better.  Then knock out all housing debt while saving for retirement.  We could be FIRE by 40-45, 27 now, but may work until 55 because of great retirement benifits I wouldn't get if I retired before 55.  I plan to donate a sizable amount from our stach shortly before retirement for a personal goal.  I look forward to reading/learning more as time passes.  Good luck to all!
Title: Re: Say Hi and Introduce Yourself
Post by: erinlibrarian on December 09, 2013, 05:51:05 PM
Hi there,

I've been reading MMM for a year or so and have slowly made changes here and there. I just got married a month ago and my husband and I agree that it's time to really buckle down.

I called Sallie Mae this morning and paid $12,500 of my student loans that were accruing 6.8% interest. I figured that it was better than having the money sitting in my savings account earning 0.01%. I still have about $7000 left to pay (at 1.8%) and hope to do by next summer.

Looking forward to turning over a new leaf in 2014!
Title: Re: Say Hi and Introduce Yourself
Post by: babybug on December 09, 2013, 06:57:51 PM
hi, i'm babybug. i've been lurking all year until a recent little post binge. I'm 37 y/o single mum in new england. working to pay off massive student debt and hopefully go part-time in 1-1.5 yrs. thank you for all the learning & motivation from mmm blog & forum.
Title: Re: Say Hi and Introduce Yourself
Post by: vogon poetry on December 10, 2013, 06:24:15 AM
Hi!
I'm Cadence, librarian and recovering cheapskate.
Title: Re: Say Hi and Introduce Yourself
Post by: Pursuit on December 11, 2013, 10:30:56 AM
Hey everybody,

My name's Nick. I finished college about a year ago in CT, and got my degree in Economics. I came across Mustachianism in mid July and have been lurking the site since. My shiny, new, 10 year plan is for FI through a combination of Mustachianism and dividend growth investing. Despite the fact that I haven't broken into a career yet, I graduated with no debt, and a net worth of about 5-6k wrapped up in my TD Ameritrade account. The car is paid off, so if we add that, I'm sitting somewhere around 15k.

See you guys around!
Title: Re: Say Hi and Introduce Yourself
Post by: Al on December 11, 2013, 02:54:20 PM
Hi,
My name is Alicia.  I'm married with 2 kids- 4 and 6. 

To this point, we have lived a very non-mustachian life.  We have been striving for the standard "American Dream" but it seems to be a moving target.  We're in a place where it seems like we have it, but we still keep wanting "stuff" and it feels ridiculous to me.  That, in addition to realizing that my husband never has been and never will be happy in a corporate job, has led me to blogs like MMM and others that have to do with simplifying life.  Strangely, my husband is not on board with me at this point, but I hope to change things. 

Here is our good news: We have no credit card debt.  I think that might be it- ha!
Actually, we spend less than 20% of our take home pay on our mortgage and still live in a pretty nice house. 


Bad news: (and there is a lot of it)
-We have 1 car loan.  (Just bought a new car in March of this year-  a 4 year loan at 1.5% and we're paying extra each month) At least it gets 43mpg.  Prior to that, we had 2 years of no car payments. 
-I have 1 student loan out still  for about $9K.  (This is super high on my hit list to take out)
-We live way out in the suburbs which makes biking impossible. (although I am going to try to get hired w/the local school district and I could bike then) But I drive 20 minutes to the grocery store each way at least once a week.  It's near my daughter's preschool so I combine trips.
-We have ridiculously high costs- our electric bill is nearly $300/mo!!!  (And the flip side of that is that we have room to change) 

So, for right now, I am cringing at everything we and everyone else are buying for the holidays.  And I'm vowing it will be different next year!  I'm so happy to be here for a little perspective. 


Title: Re: Say Hi and Introduce Yourself
Post by: Miss Scribbles on December 11, 2013, 09:33:51 PM
Hello to all,

I'm Miss Scribbles and I am just starting to save--and I am in my 50s.

Lordy.

But I am saving, and scribbling (which means working for me) and also looking for ways to work from home doing work that I love.

Is there a forum for us late starters?


And also, so glad to be here…finally!
Title: Re: Say Hi and Introduce Yourself
Post by: annaraven on December 11, 2013, 11:39:18 PM
I'm Anna. I'm an urban homesteader, married to a wonderful engineer, DH (dear husband). We live in Sillycon Valley, where housing is way overpriced. Nevertheless, I do what I can to help us live frugally. I coupon, keep a price book, shop costco and amazon, buy when stuff is on sale and stock up, and do a lot of DIY in the kitchen, so I rarely have to pay full price for our food. And we have chickens, so I get freerange eggs and mobile lawn ornaments, as well as great fertilizer for my vegetable gardens and fruit trees.

I also knit, weave and am learning to spin. I love making gifts rather than buying them. I get entertainment and useful stuff. And, when it got chilly here and DH needed a hat, I knitted him one. I'm working on my sewing skills and can at least mend things when needed.

I walk a lot and use my backpack to carry home groceries and such. I need to pull my bike out and start using that more so I can haul more (I have panniers in the back). When we drive, (DH uses a shuttle to work), it's in a prius. Unless I have to haul stuff, then it's my Toyota Tacoma pickup, which gets better gas mileage than most things on the road.

We're doing okay, but could be doing better. So, I'm looking forward to learning more on the boards here.
Title: Hi everyone and a request for Australian members.
Post by: Big_Paul on December 12, 2013, 05:11:20 PM
Hi all.

Paul from Melbourne here. I was wondering if we had an Australian members column in this forum.
I love this site but the US centric stuff doesn't apply sometimes so I'm looking for Aussie mustachian hacks.

Hoping to make some friends too.

Got my first child on the way. Try to keep all living expenses down as much as possible. Try to live in smallest house I can. Want to cycle more. I just want to exercise my frugal muscle a lot more. I'm saving into Vanguard now because of MMM. I just want to become a better happier person and retire early. Hopefully in ten years.

Looking forward to hearing from you.
Title: Re: Say Hi and Introduce Yourself
Post by: blue mutant on December 12, 2013, 05:45:14 PM
Scott from Red Deer, Alberta, Canada. 35 year old family law lawyer who has only recently gone over the hump of increasing net worth in a given year. Still have credit card debt and my wife is taking a fine arts diploma as a somewhat mature student. One car (I walk to work), 2 kids and 1 dog. Hopefully I can participate and if there is anyone who wants a 2nd opinion on Canadian family law matters, feel free to ask.
Title: Re: Say Hi and Introduce Yourself
Post by: lrgibs01 on December 13, 2013, 10:49:02 AM
I'm Lee from Louisville.  37 yoa, married with two kids (8 & 2).    Debt free, but pretty far behind on my FI journey.   Looking to catch up over the next ten years or so. 

Got a bike for Christmas.
Title: Re: Say Hi and Introduce Yourself
Post by: 2bfree on December 13, 2013, 12:28:29 PM
Hi there. I am excited to be here. I am consumer debt free but have a mortgage. DH and I are pretty frugal but would want to be FI as soon as possible. I'm daring to dream big hence the reason I am here to learn as much as I can!
Title: Re: Say Hi and Introduce Yourself
Post by: Pav on December 14, 2013, 09:59:22 AM
Hey Mustachians. I am 28, recently married and a new homeowner. Although my income is not nearly as high as some fellow posters, I am starting to develop my goals of FIRE.
Title: Re: Say Hi and Introduce Yourself
Post by: icebear on December 15, 2013, 03:45:14 AM
Hi!

I am icebear and stumbled on this awesome blog a few months ago. Debt free and working my way to reach FI before 50... Married with two kids.
Title: Re: Say Hi and Introduce Yourself
Post by: T-Rex on December 15, 2013, 04:34:23 AM
Hello, I am Taffy Davenport. I am 29 years old, 4 1/2 years in the military, newly married, and finally making enough money to start thinking about money.

I found MMM recently when looking for information about the Roth Thrift Savings Program. I'm interested in anything good I can do for our finances now that I am married.  I am close to paying off a car loan (my only debt), and I use the website Learnvest to track my money.

I am looking forward to using my GI Bill for college in the next couple years so I can get a good paying job, and buying a house without getting ripped off.
Title: Re: Say Hi and Introduce Yourself
Post by: iheartfrugality on December 15, 2013, 11:27:14 PM
Hi All,

31 from San Jose and been lurking for the past couple of months. I'm excited to finally say "hi!"
I've been learning so much from MMM's blogs. Saving money and being frugal comes naturally to me as I grew up pretty poor but never really had a high paying job because I was in school for so long. After I got my first real salaried job a few years ago, I kinda indulged more than I should have (sigh...wish I hadn't, I sure would have a lot more $$ saved right now).

Now I'm dedicated to starting my FI journey and am relieved to have found a community of people with similar goals! Looking forward to learning from you all!! Have a good day! :)
Title: Re: Say Hi and Introduce Yourself
Post by: londonbanker on December 16, 2013, 07:38:15 AM
Hi everyone,

I am new to this forum.

Until 9 months ago, I never really thought about retirement or saving to that matter. I always thought people being able to retire before 45 were either the "inheriters" or those who had sold their dotcoms.

9 months ago my partner and I found out we were pregnant, and this is when I realized that we would be getting old one day, and that our child would have to go to school eventually (and it probably won't be free either)...

The sad reality is that, although we are both in our early 30's and have been making over $500k a year for the past few years, our savings account is virtually in-existent... (Although we have a decent chunk of equity in our house).

Reading this website has been a great wake-up call, and my partner and I are committed to change our lifestyle in order to be able to retire before we get to 50 y/o.

Looking forward to learn about living more frugally and still be content and fulfilled.
Title: Re: Say Hi and Introduce Yourself
Post by: LongBeachLion on December 17, 2013, 09:36:42 AM
Hello,

I'm 33 and have been working for the same company since college.  Originally from the east coast, I've re-located five times, most recently to Southern California about one year ago.  I'm newly married, no kids, although my wife likes to think our dog is our kid, haha! 

The most recent move resulted in a promotion and moving into a different department.  Unfortunately, I do not like the job and it's been difficult to enjoy the California lifestyle when work is so frustrating.  With that said, I've always been a 'saver' my entire life.  I began working steadily at 14 and was able to minimize college debt by aggressively saving and continuing the work throughout my four years in college.  After graduating, I quickly eliminated school debt within the first few years after college.

I'm very motivated to have the ability to leave my job.  My biggest hurdle is rent expense as I pay $2500/month.  My relocation package gives me a stipend that helps to pay for this although it will go away if I leave the company. 

I look forward to getting organized and creating a great plan for future early retirement!
Title: Re: Say Hi and Introduce Yourself
Post by: MontanaMoneyMustache on December 17, 2013, 03:16:09 PM
Hi all, new here. Posted my first topic which you can find here:

http://www.mrmoneymustache.com/forum/ask-a-mustachian/first-job-out-of-school-paying-off-debt/

25, married with a 3 YO son, and getting ready to start my first full time job out of school in Januray.

Happy to be here!
Title: Re: Say Hi and Introduce Yourself
Post by: aj_yooper on December 17, 2013, 04:42:20 PM
Hi everyone,

I am new to this forum.

Until 9 months ago, I never really thought about retirement or saving to that matter. I always thought people being able to retire before 45 were either the "inheriters" or those who had sold their dotcoms.

9 months ago my partner and I found out we were pregnant, and this is when I realized that we would be getting old one day, and that our child would have to go to school eventually (and it probably won't be free either)...

The sad reality is that, althou