“You only have so many hours in a day, let others make the money for you!” Nick Haase
Yes! At last! Something interesting, well more interesting. This is the first step that MAKES us money, rather than just organizes or spends money. And I am happy. Because I like money. Not in a weird obsessive way that it runs my life or creepy Scrooge McDuck swimming in my stash way, but in an “I don’t want to live in a cardboard box and I like to be able to travel, buy some shit, and pay bills” kind of way. The good way. The way that money is used to make positive steps forward.
“There are worse things in life than death. Have you ever spent an evening with an insurance salesman?” Woody Allen
Woody was right. Insurance bores me more than budgets. But it is SO important to some people. It’s not just a solid foundation, its the rock the foundations are built on. Cock this up and you could end up in a HUGE mess.
“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Henry Wheeler Shaw
Debt sucks. Like REALLY sucks. It sucks the life and soul out of you. It’s painful. It makes life easier for a while, but when you end up trying to deal with it, it horrible. But the worst thing you can do is ignore it. So once you have your budget sorted, the next thing we need to do is make sure we are looking at debt and starting the get rid of it.
In “My Simple FI:RE Plan“, the first step I mentioned was doing a budget. So honesty time, ……..yeah…….yawn! I hate budgets. But guess what? If I had actually made one years’ ago I would have been in a much better place by now.
When I wrote the Minimalism Roadmap, I thought it was a hard one to do. Then I tried to write this one, and hell, I found myself a real challenge! How do you give people an achievable, useful, and realistic roadmap to living a more sustainable life? And while doing that not make them (1) want to punch you in the mouth, or (2) not want to quit modern life, move to a smallholding and make their own clothes from hemp cloth? Not so simples. By the way, the second is ok if you really want to do it, but the first one will definitely get you punched back! Just sayin’
I love a good roadmap. Because you can purposefully work through them and get somewhere. That’s why the four areas of this blog have Roadmaps (or will have, it depends when you are reading this!) This is the roadmap for “Career”.
There are lots of blogs out there on the world wide t’internet that cover one of these four subjects. There are also a couple of them in the deepest corners that cover a couple of them together. And there are none (that I can find) that look at three, never mind all four of these subjects. So why I am trying to? Because to some people it may seem a bit nuts. Here’s why…
How the hell do you get to achieve FI:RE?I mean, it’s a big damn thing to do – having enough money to never work again. Holy shit. Most people have to rely on the state to do that when they reach their late 60’s. But an enlightened and determined few do it sooner.
In June 2018 I wrote an article on Medium about my “Milburn moment”. Named after Joshua Fields Milburn, one of the Minimalists, who proposed to his boss that he be let go from his high flying career, my moment was where I took a similar plunge and proposed my boss should “right-size” my job. It didn’t quite work out as planned, so I followed that with a second moment, and committed myself to not be working for the business by Christmas 2018. I even made sure my boss knew the plan. 7 months from that discussion I told him I would not work there, my choice or his, I was going.
That was almost two years ago, and an update is long overdue on how that commitment turned out…..