FIRE Gives You the Freedom to Fail Miserably

FIRE Gives You the Freedom to Fail Miserably

Who creates a headline to talk about the “freedom” to fail miserably?  That’s depressing! This guy does – that’s who! Most of you likely read this blog for one of two reasons – you’re striving to reach financial independence or you’re already there. And the reasons you aim for that goal will vary… maybe you want to quit your job because you can’t stand your career anymore.  Or maybe you just want financial security to give you more choices in life.  Perhaps you want to cut your hours back so you can spend more time with your kids. Whatever your reason, financial independence is obviously a good answer to get the ball rolling. However, there’s another benefit financial freedom can

The Path Is Simple, but It’s Not Necessarily Easy

The Path Is Simple, but It’s Not Necessarily Easy

I’ve been doing a lot of thinking lately… dangerous, right?  Hindsight has me realizing that if you’re hoping to reach financial independence, the path is simple, but it’s not necessarily an easy journey to get there. As I’m typing this, I’m down to four working days until I’m done working at a career I’ve been at for 19½ years – a job I started right after my 24th birthday. At the time, I had just bailed out of retail management.  I was an assistant store manager at Walmart.  I didn’t hate retail, but I didn’t love it either.  It’s a job where you’re needed most at all the worst times – evenings, weekends, and holidays. It was also a job

No One’s Asked – Here’s Why You Should…

No One's Asked - Here's Why You Should...

No one’s asked.  Not a one.  Not one single person in my entire office. I’m now just days out from my retirement – December 31, 2018, is my last day of work.  I gave my notice in early summer and we kept it low-key in the office for a little bit while we worked out the game plan. However, I officially made the announcement to my engineers in a meeting on August 13.  And as many of you know, the grapevine in almost every office spreads like wildfire. We have just over 35 people in my office and I think everyone knew the scoop within minutes. That means it’s been well over three months and no one’s asked. Ok, Jim

You Get What You Get, So Don’t Throw a Fit

You Get What You Get, So Don't Throw a Fit

You get what you get, so don’t throw a fit. This might be a little bit of an off-topic post, but since cruises are my favorite vacation and that’s the banner on my site, I’m hoping you’ll hang with me on it.  Plus, the point is actually more than the cruise itself – it’s about enjoying life and aiming for more. I started this post while on a cruise ship.  We’ve been on a number of cruises with lines like Princess and Celebrity, but this is our first time with MSC Cruises.  We’re on the MSC Seaside en route from Miami to St. Maarten, Puerto Rico, and the Bahamas before we head back to Miami. We didn’t plan to take

Only You Can Change Your Circumstances

Only You Can Change Your Circumstances

Some guys have all the luck.  Things just seem to work out for some people and not for others.  Such is life.  After all, you can’t change your circumstances… can you? Hmm, that’s a question worth digging into – can you change your circumstances in life? I’ve always had this weird fascination about how cool it would be to take someone from the past (like from the 1700’s or 1800’s) and bring them to the present. Yeah, I’m a weirdo – deal with it. But, imagine their awe at some of the technology we have today.  There’s so much we take for granted… computers really are an astounding feat. If we just look at smartphones as one facet of technology, it’s almost

Working Toward FIRE is Not About Sacrifice

Working Toward FIRE is Not About Sacrifice

Recently, I was taking a walk with a coworker (something I do on a regular basis now).  While we were walking, we were talking about my plans to retire at the end of the year.  He then said something I thought was interesting… “You guys deserve it – you’ve sacrificed a lot to get where you are.”  Sacrifice? Obviously, his intent was good (he’s a great guy!), but it’s a bit shortsighted.  And unfortunately, it’s a common mindset that many folks outside of the personal finance community have. The thought is that if you get to the point where you can retire early, you must have either gotten paid a ton of money or really had to sacrifice a lot