Valuable Lessons from My First Year of Freedom

First Year of Early Retirement

Finally, the post I’ve been waiting for.

After starting this site back in early 2012, I dreamt of the day I would write my freedom post.

I imagined it would be published the day after I left my job and would be the grand finale of my pursuit of financial independence.

Well, exactly one year ago today I left my full-time job and yet I’m only now writing about it.


There are a few reasons but the main one is that early retirement is a lot more complicated than it first appears.

As with everything Mad-Fientist related, I wanted to deeply explore the subject matter before writing about it.

So I decided to capture my thoughts and feelings over the entire first year and write about it after I had the chance to process everything.

It’s been a wild ride and I’ve learned a lot of lessons along the way so let’s dive in…

First Morning of Freedom

On Friday, July 29th of 2016, I finished my final day of work as a normal career man.

Bonus: To download a free copy of the spreadsheet I used on my own journey to financial independence, click here!

Since my last day was on a Friday, the weekend didn’t feel different than any other weekend.

It wasn’t until I woke up on Monday, August 1st that it really hit me.

And boy did it hit me.

You would have expected it to be the best morning ever but it was actually the only time in the entire first year that I freaked out about the whole thing.

I had escaped the normal life script but now I was in uncharted territory.

I was staring into the vast unknown and the immense gravity of the situation freaked me out (much more than I expected).

It’s crazy that I wasn’t mentally prepared for it, considering early retirement was something I had been thinking about and working towards for over five years.

The best way I can describe it is this…

Have you ever planned a really big trip? Maybe it was your honeymoon or a trip to a place very far away that you had to dedicate a lot of time to plan out.

Even though you spent months booking flights, researching hotels, and telling all your friends about your upcoming trip, the reality of what you were doing didn’t actually hit you until you got off the plane.

That’s what happened to us when we moved to China for three months.

We did a lot of research, talked about it all the time with our families, and thought about it daily but when we landed in Wenzhou and got off the plane, I freaked out and thought, “Holy shit, we live in China now…what are we doing?”.


Our Home in Wenzhou, China

This was sort of like that.

FI was something I talked about and thought about so much that it just became this abstract concept in my mind and didn’t relate to anything in real life.

It was a long-term goal that I guess I never actually pictured achieving.

In fact, after writing and talking about it so much, the entire idea of it became condensed into two meaningless letters – FI.

So the first morning of freedom was tough because I couldn’t process it all.

Try it out for yourself right now.

Close your eyes, imagine waking up on the first day after leaving your job, and think about the rest of your life.

You no longer have a normal script to follow and you hopefully have 60+ years of time to fill.

Pretty heavy, right?

First Day of Freedom

Although the first morning of freedom was pretty intense, luckily the rest of that first day got better.

To distract myself from the overwhelming task of figuring out the meaning of life, I just got back to work instead.

I had a lot of Mad Fientist tasks I wanted to complete so I threw myself into that.

It felt great. It felt normal.

I filled the void left behind by my job with other work that I wanted to accomplish.

I was happy to be making progress on things that were important to me and I started getting really excited about the idea of doing that every day.

Maybe life wouldn’t look so different, after all? I would still be working but I’d just be working on things I’m passionate about.

That was the whole reason I pursued early retirement in the first place so I’m not sure why I didn’t think about that when I woke up that day.

Lesson #1: Have a project in place that you’ve already started and are passionate about so it can fill the void in your life after you leave your job.

First Week of Freedom

After getting a lot of Mad Fientist stuff done on that first day, I continued getting even more accomplished the rest of that week.

Since I was working normal hours, that first week didn’t feel any different than the week before when I still had a job.

That made me realize how good of a career situation I had worked my way into. Since I worked from home and had a lot of autonomy, I had achieved 80% of the benefits of early retirement during my last two years of work and yet I still received a full paycheck.

Lesson #2: Use the power your money gives you to make your job as enjoyable as possible (see the Power of Quitting).

First Fortnight of Freedom

Ahh, fortnight…a word I hear often here in Scotland but one that is underutilized in America (it means “a period of 2 weeks”, by the way).

So although my first week of freedom was similar to working life, my second week gave me a glimpse of what my new life could be like.

New Experiences

I decided to start trying new things – things I had always said I wanted to try but just never got around to trying.

There was a climbing wall right next to where we used to live so Jill and I went and had some climbing lessons.

We loved it!

I thought to myself afterward, “Maybe I’ll become a rock climber or a mountaineer”.

That probably won’t happen but it could.

Anything is possible after financial independence and it was very exciting to think about all the possibilities FI provides.

Lesson #3: There’s an exciting world of things you can learn about and explore and FI gives you the energy, freedom, and time to do it.

Richer Experiences

During that second week, I also decided to dive deeper into things that I already enjoyed.

Coffee, for example, was something I liked drinking every day but didn’t really know anything about.

As my experience with beer and wine has shown me, the more you learn about something, the more you enjoy it so I signed up for a coffee tasting during that second week.

Jill and I went to the cafe that was hosting it and we tasted a bunch of different types of coffee. We learned a lot about growing the beans, how it’s made, how you should brew it, etc.

Now, my enjoyment of coffee has increased exponentially and I can appreciate the subtle flavors that I never knew existed before.

So rather than sucking down cup after cup of mediocre coffee every morning just to survive a normal workday, I now drink one or two cups of really good coffee and fully appreciate the experience.

Lesson #4: FI allows you to slow down and appreciate things on a different level (after reading this great post on Raptitude, I’m trying to expand that enjoyment to even more aspects of ordinary life).

First Month of Freedom

After my first fortnight of freedom, I started to see the possibilities of FI and it made me really excited.

To continue my exploration into new things, I decided to get a gym membership.


I had always said I would focus more on my health after I left my job and now there was no excuse. I had all the time in the world so fitting in a few hours at the gym every day was definitely possible.

Losing your excuses is exciting but it’s also scary because you finally have to do what you’ve said you were going to do.

Luckily, the gym near me was offering a special discounted one-month trial so I took full advantage.

I found a one-month weight lifting program online and I stuck to it for the entire month.

The first week wasn’t fun because I was weak, I got sore after every workout, and I didn’t know what I was doing in the gym.

The next week though was easier because I had more confidence and was starting to feel stronger.

By the end of that month, I felt great, I was actually enjoying the workout sessions, and I was happy with the changes I could see in my body.

Surprisingly, going to the gym also had a positive effect on my eating habits.

Once I started to see positive changes in my physique, I wanted to increase those changes even more so I started eating healthier.

It was crazy…in just one month I went from being an unhealthy, wimpy software developer to a healthy-eating, gym rat.

Lesson #5: FI = Rebirth. What you were before FI doesn’t matter. You can be anybody you want after FI so figure out the type of person you want to be and start being that person.

Less Stress

The gym helped my mental state but so did time away from work.

I didn’t realize it when I was working but I had a lot of low-level stress that was with me all the time.

My job was easy and wasn’t very stressful, so I didn’t think I was stressed, but I definitely noticed a big improvement by the end of the first month. I just felt more relaxed and less anxious.

I still had the occasional work nightmare (where I would be called into my boss’s office to talk about a certain Mad Fientist website that he just stumbled upon, haha) but I felt much calmer than before.

It also helped that I kept getting work emails for a few weeks after I left because it was nice to see all the work that needed to be done and all the problems that needed to be fixed, knowing I didn’t have to worry about any of it!

More Present

Another thing I realized during that first month was that I felt more present in my normal life.

Rather than thinking about the Mad Fientist stuff I wanted to get done while hanging out at my in-law’s house, for example, I would instead just enjoy my time there with everyone and not worry about anything else.

Since I had so much more free time, I knew all that things I wanted to do would get done eventually so it allowed me to enjoy the present more.

There’s less urgency when you feel like you have enough time for everything.

First Quarter of Freedom

While my first month of freedom gave me a taste of what normal post-FI life could be like, the next two months were anything but normal.

Instead, I used my newfound freedom to do something I had always wanted to do – travel around the world.


Kyoto, Japan

Jill and I spent three months traveling through 14 countries on 4 different continents and we went all the way around the globe!

During our trip, we visited Vermont and I got to drive my old commuting route on a weekday but instead of going into the office, we met the Frugalwoods for beer and barbecue instead.

Much better :)

Lunch with the Frugalwoods

My New Colleagues

First Year of Freedom

The trip was amazing but it wasn’t until we returned to Scotland that the reality of FI finally sank in completely.

Deep down, I think I expected to return to work after traveling because we had taken multi-month trips in the past and I always had to go back to work after them.

When I realized that I didn’t have to go back this time though, I can’t explain the excitement I felt.

The closest I can get to explaining it is this…

Have you ever woke up thinking it was Sunday morning but it was actually Saturday instead?

It was like that but 1,000 times better because it wasn’t just an extra day off that you didn’t expect but the rest of your life!

Instead of being sad about returning to a job that didn’t interest me, I immediately started making progress on new projects that I’ve been wanting to start for years.

I felt so lucky to be able to dedicate all my time to these things and I can’t remember a time when I felt more invigorated.

Worried Wife

In fact, it was around this time that I started to worry Jill.

I’m normally a solid sleeper and usually fall asleep shortly after laying down and stay asleep until morning.

When we returned from our trip though, I kept getting out of bed multiple times every night and I was also staying up way later than normal.

After a few weeks of this, Jill finally confronted me and asked what was going on. She was concerned that I was stressed about my new jobless life.

In actuality though, it was the complete opposite.

I was so excited about all the things I was working on during the day that I didn’t want to sleep at night!

When I still had a job and was commuting into the office, I hated going to bed because that meant that before I knew it, my alarm would be going off and I’d have to head to work again.

Now, I hated going to sleep even more but it was because it felt like such a waste of time when I could be doing all these other exciting things!

Full-Time Travel is Not for Us

The happiness I felt making progress on the projects I was working on made me realize that perma-travel is not for me.

I had previously assumed that I would be a full-time traveler whenever I finally reached financial independence.

Although eating new things and seeing interesting sights every day is a lot of fun, it’s not as fulfilling to me as being creative and productive.

When I’m on the road, it’s difficult to stay focused and get things done so I now know I need some normalcy in my life every once in a while.

Also, now there’s less need to escape normal life so travel isn’t as appealing as it once was.

Before when I was working, travel was a great change from the boring routine.

Now that post-FI life is so exciting and interesting, there’s no need to break up the monotony of normal life because normal life is so enjoyable.

Lesson #6: What you think you’ll do after FI may actually not be the thing that makes you happiest so don’t fully commit to a new lifestyle until you try it out first.

New Joys

To give you an example of how normal life can be so much better after FI, let’s take a look at food.

Before FI, lunch would be the most annoying and unsatisfying meal of the day because it would be eaten quickly and I would eat whatever was most convenient (when I was in the office, I would usually eat store-bought pita bread and hummus).

After FI, here’s what lunch looks like:

Food After FI

Do I feel like fresh-baked bread today? Sure, I’ll just bake some before lunch.

Poached eggs are so delicious so why not try to learn how to do cook those today?

Since lunch is now a meal to be enjoyed, might as well invest in some of the highest quality olive oil and balsamic vinegar I can find, right?


In addition to cooking more and eating healthier again, my gym activity has ramped up too.

My buddy Doug, who is a professional strength and conditioning coach, put me on a focused weightlifting routine for the last four months.

Since he doesn’t live near me, he just enters my workouts into a free mobile app called Trainerize. The app allows me to see what I need to do each day, watch videos to learn how to do the exercises, message Doug if I have questions, and keep track of my stats while I’m working out (which Doug reviews and uses to plan my next routine).

It’s been great and I like having a virtual coach because listening to podcasts in the gym is much better than having someone bark orders at me.

Bonus: If you want Doug to whip your ass into shape too, he has kindly offered a discounted price for Mad Fientist readers so take a look at the programs he offers here.

I’ve been going to the gym at least three days a week since I got back to Scotland and I feel better than I have in decades so it’s been fantastic!

Lesson #7: When you realize how good life can be after FI, you’ll want to make sure you have as many healthy years left as possible so you start to see fitness in an entirely new light.


I haven’t even mentioned finances yet but that’s because money hasn’t been an issue.

I was really worried about drawing money out of the accounts I spent so many years building up but I thankfully haven’t had to do that yet.

The reason is, all the websites and mobile apps I’ve built over the years have started bringing in more money than we spend (it seems the credit-card search tool I created is getting some traction in the travel-hacking community so it’s been generating a lot more income recently).

Travel Credit Cards

Screenshot from my Credit-Card Search Tool

Ironically, the income from this application only increased after I had already quit my job (i.e. when I didn’t need the extra money) but it has made the transition into joblessness much easier to deal with.

I had actually planned to write a lot of articles this past year about various withdrawal strategies but those will sadly have to wait until I actually start drawing down from my accounts.

Lesson #8: Start building a side business while you’re still working (but make sure you do it the right way) so that you have a meaningful project to work on after you leave your job and the potential to generate income without withdrawing from your portfolio.

Biggest Mindset Shift

This leads to the biggest mindset shift that occurred after reaching FI – the realization that money is no longer motivating.

This is quite a shocking and uncomfortable shift for me.

Money has motivated my entire adult life until this point.

I worked hard in high school so that I could get into a good college because I wanted to be able to get a job that paid a lot.

I worked hard at my job so that I could get promoted and earn more money.

I started side businesses in hopes of increasing my income.

I chose where to live, where to travel, and what to do, all based on how much I could earn or how much it would cost.

Now, I have enough money (plus some unexpected income coming in) so it’s not as important anymore.

This is a great position to be in but losing your main source of motivation is incredibly disorienting.

Some of the projects I planned to start after leaving my job were business ideas but now that earning more money isn’t as appealing, I don’t see the point.

If you stop and think about how many of your decisions and plans are motivated by money, I’m sure you’ll find that most of them are.

I’ve had to reevaluate my entire life and all my plans while simultaneously finding a new source of motivation.

Crazy, right?

I still haven’t fully come to grips with this but I’m slowly getting there.

For example, I recently removed all ads from this site. The ads have been annoying me for years because I thought they made my site look cluttered. I left them though because nobody was complaining about them and they were helping to cover the costs of running the site.

Once I realized the money they were generating was no longer necessary, I decided to remove them completely.

It should have been an easy thing to do, now that money is less important, but it was still really difficult. How could I just give up hundreds of free dollars every month?!

Luckily, I was able to power past my old mindset and realize the new reality so I removed the ads and I’m very happy I did.

That struggle showed me that although money is less important to me now, it’s still not meaningless so I still have some work to do.

It’s hard though because I’m trying to undo decades worth of programming and the new mindset seems so unnatural.

Completely Content

Since we have this unexpected extra money coming in, I asked Jill if she could think of anything we could buy or spend money on that would make our lives better.

We thought about it and realized that we love where we live so we wouldn’t want to move somewhere bigger or nicer because our current place is perfect.

Our cheap little car does everything we need it to so no need for an upgrade there.

Honda Jazz

Our $3,400 Honda Jazz – Best Car We’ve Ever Owned

We eat out enough and wouldn’t enjoy it if we ate out more.

We travel enough and actually plan to cut back on travel next year because less travel will make us both happier.

We racked our brains for a while and the only thing we could come up with was to buy a foam mattress topper and a couple of better pillows.

So we bought those two things for less than $100 and now we have everything we want or need.

Feeling like you can buy or do anything, while simultaneously being completely content with what you already have because you know more won’t make you happier, is one of the best benefits of pursuing FI.

New Motivation

Being content with what you have is great but you still need something to motivate you. Otherwise, what is there to get you out of bed in the morning (especially when that bed is much more comfortable, haha)?

I’m not exactly sure what my new main source of motivation is going to be but here’s what’s been motivating me the past year:

  1. Quality – I have an image in my head of what I know the Mad Fientist could be so I’m very motivated to make that happen. Producing something that I can be proud of and is as good as possible drives me to work hard.
  2. Helping People – I save all the emails and messages I get from people whose lives have benefited from Mad Fientist content because it motivates me to do even more.
  3. Creating – When money doesn’t matter, you can instead create things just because they are beautiful or bring people joy. Most of my time this year has been spent working on an artistic project (which I plan to write more about soon) and the act of creating something new from thin air motivates me to create even more things.


Well, there you have it…my freedom post, one year late.

It’s been an incredible adventure and better than I imagined so I can’t wait to see what year two brings.

How About You?

If you’re already free, what was your first year like? What motivates you these days, now that you don’t need more money?

If you’re not free yet, what do you think you’ll do once you pull the plug on work? What will get you out of bed in the morning?

Let me know in the comments below!

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229 comments for “Valuable Lessons from My First Year of Freedom

  1. Mrs. Adventure Rich
    August 1, 2017 at 12:49 pm

    Alright, if I ever need a little financial independence motivation, I am coming back to this post! You just explained and portrayed “life after FI” in probably the most exciting way I have found thus far. I was particularly struck by the “when you wake up thinking it is Sunday, but it is Saturday” example. That happened to me last weekend and I swear I was walking around with an extra bounce in my step all day I was so happy! Mr. Adventure Rich and I hope to pursue passions projects/jobs pre and post-FI, though we are still determining what that might look like. We would like more time with our son (and any other kids that may come along), but we have other interests as well. Maybe coffee roasting, some farming, or a side business teaching cleaning skills for Mr. AR… while I would love to teach/coach skiing, running, biking/cycling to youth and be active in our community. Our dreams are motivating us to save for FI each and every day!

    Thank you for sharing these lessons from FI Year 1!

    • Tim
      August 1, 2017 at 4:40 pm

      Sounds like you have a great plan. Heading back to northern MI is a great move. I moved from there to So Cal… and only because I had to option to live in a low cost of living area. I’m well established on the financial front and own rentals back home in MI.

      I’d highly recommend the Ski Coaching!! I’ve been doing in for years now, both in MI and now in CA.

      Awesome progress!!

      • Mrs. Adventure Rich
        August 2, 2017 at 8:19 am

        Oh awesome! I’m glad you found a place in SoCal for a low cost… that is no easy feat! I am definitely on the ski coaching kick right now… it could be a lot of fun :)

        • Pete Nauman
          August 7, 2017 at 9:24 pm

          In my 30s I was a youth ski race coach at Aspen Highlands, my kids taught me a lot, not only about skiing but about life and taking a chill pill once in awhile. Also taught beginner skiing in Steamboat Springs CO. till I was 51. Still have my condo there, Retired in central AZ at 58 yo. back in 09, actually a little earlier than planned due to the burst, Not really an FI, but close enough to be comfortable. 66 yo now and getting by. A couple health issues have been in the mix, but settled down again. Really enjoyed this narrative , it makes me feel lazy as a retired person. It didn’t start out that way, but gradually I slowed down. Did a lot of volunteer things at first, walking dogs from the shelter, working on organic gardens and a cattle ranch. I ski bummed for 20 years, being an instructor was terribly hard, I don’t really recommend it. They were really much happier days when I just bought a ski pass and skied all I wanted when I wanted. There is a lot of macho mojo in a ski instructors world and performance demands from 7 am till 5 pm sometimes later. No fun when the high temp for the day was -12. As an instructor you are no longer autonomous or anonymous, The ski bum life is the way to go. After the 2000 – 01 season I quit skiing because I thought walking was important too, those little twinges in the hips and knees could turn into surgical demands, didn’t happen and they went away after a while off the slopes. Got a motorcycle at retirement and put on a lot of miles, used up the 1 to 3 day road trips avail. around here, maybe some multi week trips are in order. But I am lazy.

          • Pete Nauman
            August 7, 2017 at 10:47 pm

            Anyone interested in some OJT, on organic farms, was good, I went to Reevis school of self reliance as an intern spent a total of 4 months there, could have stayed longer but home life beckoned. It is a bit isolated. No less a paradise.

          • Mark Gelinas
            August 9, 2017 at 9:30 am

            your realistic opinions and advice is appreciated. I’m 59, just enjoying being retired, am not all that motivated to continue accomplishing things!


  2. Mr. Smart Money
    August 1, 2017 at 12:53 pm

    Congratulations on your first year of F.I.!
    I hope I can write a similar blog post once I’m completely FI/RE :)

    I concur on the traveling – it can get tiring quick… Nothing compares to a good nights sleep on your own bed.

  3. The Vigilante
    August 1, 2017 at 1:10 pm

    Exciting post, and worth the wait for the insights that come only with time!

    That said, I was sipping crappy office-provided coffee while I read that section on coffee, and I find myself uncharacteristically green.

    • The Mad Fientist
      August 1, 2017 at 3:53 pm

      Haha, I still remember the taste of the “coffee” that came out of the old, overused office Keurig machine so I feel your pain

  4. Physician on FIRE
    August 1, 2017 at 1:17 pm

    Your first year’s memoir doesn’t make me any less interested in FIRE. I love the lessons learned along the way.

    I’m at least a year out from my Freedom, and I anticipate having some of the same experiences — hopefully most or all of the positive ones. We’re easing our way into it. I’ll be working 7 calendar days a month starting in October, and we’re starting to plan our first extended trip with our boys for November / December. We hope to take three trips of about three weeks (or at least a fortnight) over the course of the first 9 months to experience slow travel as a family.

    After FIRE, we can extend those trips out as long as we choose. And get some decent, consistent sleep for the first time in 20 years. Sounds great.


    • The Mad Fientist
      August 1, 2017 at 3:54 pm

      Nice use of fortnight ;)

  5. FIRE Millennial
    August 1, 2017 at 1:22 pm

    “I filled the void left behind by my job with other work that I wanted to accomplish.”

    This is the feeling I can’t wait to feel! That choice to pursue what my passions and personal drives are; and damnit, by the time I go FI, I’m sure going to know what those are!

    In October of 2015, I took a few days off of work and went on a climbing trip in Tahoe and Yosemite. When I returned home – the night before work – I sat down and was completely (physically) wrecked and had a bunch of new memories that made me smile so big. I thought “how can I have this feeling all the time?” Usual stories of “dirtbags” entail dropping everything and living on the road as long as their budget will allow, then return to “society” broke and jobless.

    It was this thought of broken and jobless that made me somehow search the world wide web for a vague concept of FI. I subscribed to your podcast, made a Reddit account dedicated to FIRE, began cutting back on non-essentials, and started my own spreadsheet to track progress in reducing expenses and increasing investments.

    I imagine my first day of FI, I’ll probably be on the road to some awesome climbing location; mainly because that has been the inspiration since day 1.

    Your website and podcast were the first FI-personality’s I began following religiously, and have learned a lot from your knowledge and reflections on the path.

    I’m so psyched you achieved FI, and have flourished in your first year. Also, I can’t wait to consume the content you continue to release.

    If you’re ever in Northern California, and want to go for a climb, please reach out! I’d love to share the experience of what climbing in the Sierra has done for me as a person.

    Thank you for all your efforts, and for your future posts.



    • The Mad Fientist
      August 1, 2017 at 4:10 pm

      As I mentioned in the post, stories like yours really motivate me to keep doing what I’m doing so thanks a lot for sharing.

      And I definitely look forward to taking you up on your climbing offer one day :)

  6. Ms. Montana
    August 1, 2017 at 1:22 pm

    We are 20 months into a mini-retirement and ALL of this ring true. I’ve tried to write about it a bit, but it’s hard to wrap your mind around until you have swum in it for a bit. I think we will go back to something that looks a bit more like work after a few more years. But I’m so glad we did this now instead of putting it off for another decade.

    • The Mad Fientist
      August 1, 2017 at 4:14 pm

      I think mini-retirements are an excellent idea! Are you going to be at FinCon this year? If so, I’d love to chat with you about your mini-retirement.

  7. Gwen @ Fiery Millennials
    August 1, 2017 at 1:28 pm

    I’m saving this article and taking some notes. Be prepared – I’m going to go in depth on a few of them when we have our one on one in Ecuador. Good thing is we should be able to drink great coffee while talking! Congratulations again on becoming FI and thanks for taking the time to jot down your thoughts and share it with us!

    • The Mad Fientist
      August 1, 2017 at 4:19 pm

      Oooh, you picked me for your 1-on-1?! I’m honored (and surprised, considering you’ve seen me in my darkest moment…shoveling In-N-Out cheesy fries into my face as fast as my beer-impared hands would allow).

      • Rachel
        August 8, 2017 at 7:45 am

        I also picked you for my 1-1 in Ecuador and I want to talk about a mini retirement. Your move to Scotland, working remotely, and general open mindedness around making work “work for you” really resonates. I’ve managed to be stoic and power through the last 10 years but this year will be different, and I’m hoping to build up the courage to make a change in Ecuador with some new friends!

    • Todd
      August 1, 2017 at 8:35 pm

      Gwen – I totally want to crash this part of your convo. You should save it for what I envision as whatever is a campfire-esque setting in Ecuador so others can hear you grill Brandon. I seem to recall something about lukewarm hot tubs from others past experiences?

      • The Mad Fientist
        August 2, 2017 at 10:04 am

        Looks like this year’s place has fireplaces and hot tubs (hopefully of the “fully warm” variety) so no doubt this conversation will go down somewhere fun!

      • Gwen @ Fiery Millennials
        August 9, 2017 at 11:35 pm

        Todd- I am starting a FIRE podcast…. maybe I’ll use the discussion as part of a podcast episode :)

  8. Kimi
    August 1, 2017 at 1:30 pm

    Hey Brandon, I can’t thank you enough for this post.
    I’ve just achieved FI and curiously enough, I’m freaking out about the whole retirement idea. I already have a side business and have never been too keen on corporate life, but the fact that I’m now FI is really uncomfortable, when it should be the opposite. It’s just very difficult to deal with the fact that I’m ready to “pull the trigger” whenever I want. It’s pretty scary too (the question “what if we run out of money?” Pops up in my head about 100 times a day:-)). My husband likes his work, so similarly to your wife, he will keep on going for a while (some vesting is near). After that, who knows?
    I was actually wondering how it felt when you’d had some distance from your early retirement, and then your post comes up! Thank you!

    P.S. I may go to chautauqua (talking to Alan and Katie), so maybe we’ll meet there!

    • The Mad Fientist
      August 1, 2017 at 4:22 pm

      It’d be great to meet you in a few weeks so keep me posted!

      If you’re that worried about pulling the trigger, I’d say wait a bit longer and try to work through those feelings/thoughts first. Obviously you’ll want to take the leap eventually but the goal here is happiness and not “not working” so you’d be better to keep going than quit and be terrified and/or miserable!

    • CooperJohn
      August 7, 2017 at 11:34 am

      Hi Kimi,
      Once I had enough money that I felt I could be poor but happy if I left my job, I ended up having similar uncomfortable feelings; I worried that I might retire too soon, and (after sailing the seas of working life) I wasn’t quite sure what lay over the horizon—a horizon that felt more like a cliff, it’s so close. Giving up a good career is kind of scary to think about.
      My wife fixed most of that by noticing my anxiety, and, after a discussion, simply suggesting that I define a deadline—either a date or an investment threshold—that I could allow myself to retire. Even before I settled on a date (795 days from now!) I felt much better. I have a couple years to research, schedule, and calculate my retirement. So, even though we are technically FI now, having a long transition period with a cut-off date is making me feel much better about my FI future. In the meanwhile I’m enjoying articles like this one, and I’m learning more by reading blogs and books, and discussing retirement with newly retired friends.

  9. Sunny Burns
    August 1, 2017 at 1:30 pm

    “Feeling like you can buy or do anything, while simultaneously being completely content with what you already have because you know more won’t make you happier, is one of the best benefits of pursuing FI.”

    Loved that, and the closer I get to FI the less I seem to have a desire to buy things. We have a Honda Fit as well – awesome car!

    Although I am still working, I decided to do a lot of traveling this summer. And realize that perpetual travel unexpectedly is really not for me too. Although enjoyable, like you I don’t enjoy missing out on the constant growth and fulfillment I gain from my everyday routine and projects I work on.

    Great post!

  10. wendy
    August 1, 2017 at 1:31 pm

    Congrats on your first year of FI!
    Great write up, thanks for sharing your experience.
    I’m late to the party and still years from FI, but your discussion about flexibility in perception before/after is good to hear. My biggest worry about FI is what I’m going to do with myself, being so used to the ‘normal’ work schedule…
    So many people seem to have elaborate passion projects. I have things I *want* to do, but not necessarily that I *need* to do… so it’s interesting to hear how your plans have shifted and adapted to what you discovered about yourself post-FI.
    Looking forward to meeting you in Ecuador, Cheers!

    • The Mad Fientist
      August 1, 2017 at 4:26 pm

      Look forward to meeting you too!

      Hopefully my talk in Ecuador will help you find something meaningful to focus on after FI because I think that’s one of the most important things you need to do before pulling the plug on work.

      Can’t wait to see you down there!

  11. Jacq
    August 1, 2017 at 1:33 pm

    Thank you for this update! It sounds wonderful. :)
    I know one of my goals is to have more time to spend visiting friends and family, but I agree that coming back to “home base” is good too. (My cabinets make sense, my sister’s = utter chaos!)
    Keep enjoying it and keep posting so I stay motivated to hit my targets too. :)

  12. Bruce Casner
    August 1, 2017 at 1:35 pm

    A bit too late for FIRE for me, but FI is available any time, right? This article was a big help at reducing my anxiety about retiring, and when to do it.

    • The Mad Fientist
      August 1, 2017 at 4:27 pm


  13. Steve Colorado
    August 1, 2017 at 1:37 pm

    I would like to see more infomation about retiring early when you have children. I know Mr. Money Mustache has one child, but what if you have 2 or more children? Thanks.

    • Pete
      August 1, 2017 at 4:24 pm

      Root of good may be a site to check out

    • The Mad Fientist
      August 1, 2017 at 4:29 pm

      Here’s someone who is going to retire early with 13 (!!) children:

    • Prob8
      August 2, 2017 at 3:44 pm

      There are plenty of people retiring early with kids. I retired a year ago at age 40 with 2 kids (ages 5 and 7). Plenty of people blogging have done it or are in the process. Someone referenced Root of Good – a good one. I think 1500 days and Frugalwoods are other examples. Ask around in the MMM forums and you’ll find many people who have retired with kids.

      Whether you have kids or not, the basic math/concept is the same. You’ll just need to adjust based on what kind of lifestyle you want for your family. For example, perpetual travel may require homeschooling. You should also give some thought to family-related expenses down the road and how you are going to handle them (e.g. braces, education, activities).

  14. Mexico on Fire
    August 1, 2017 at 1:40 pm

    I have just started my fifth year in FIRE and am still loving it. I have several projects I work on and decide what I feel like working on each day. Or I may decide to read a book. Agree with what you say about Lunch. I sat at my desk and ate lunch while I worked for about 26 years. Now I go have lunch at the beach at least 4 times a week or in our cute little town. Lunch takes a minimum of 2 hours. My greatest pleasure is deciding on how I spend my time. Continue to enjoy it!

  15. JC Webber III
    August 1, 2017 at 1:41 pm

    I can’t remember my first day of ‘freedom’. That’s kind of sad, when you think about it. But it’s been 10 years and we (my wife and I) have spent it in our motorhome exploring all of North America. From Alaska to New Foundland. From Canada to Mexico. It’s been a great ride. But it’s coming to an end. We are about to start a new chapter of our lives. We purchased a townhouse in San Miguel de Allende, Mexico. It’s still under construction and we have a few more items on our bucket list that will keep us on the road in our motorhome for another year, but then the new chapter begins!

    And, yes, it’s nice not to have to worry about where the money will come from. We’ve been spending between 5 and 7% of our portfolio for the last 10 years and after all that we have more money than we started with (retired 20 Jan 2008. That was a tough year. Lost about 40% of our portfolio). And now that we’ve finally reached social security age (66) we will begin to collect enough money from that that our draw-down rate will drop to 2-3%, if that. Also, we calculate that our budget will drop from $6k per month to ~$4k per month down in Mexico. So maybe we won’t have any burn rate from our portfolio. Ain’t life grand! 8^)

    • The Mad Fientist
      August 1, 2017 at 4:31 pm

      San Miguel is fantastic so I’ll let you know next time I’m down there and we can grab a margarita or something!

      • Andrew
        August 15, 2017 at 4:26 pm

        I started planning for financial freedom 30 years ago, back in 1987, first with pencil, paper, and calculator. Then with Lotus 123. Then Excel. Back then my spreadsheets modeled accumulation scenarios. Now they model decumulation scenarios. I’m 61 now. The results of investing, compounding, frugality, and time have exceeded my expectations. Still working but nice to have the peace of mind knowing I can walk away when I decide to.

  16. Steve Chen
    August 1, 2017 at 1:42 pm

    Thanks – that was a very enlightening article. I’ll share it with our team and will point to it from a FIRE article I wrote last year

    I continue to believe that many of the FIRE folks have very useful lessons for the traditional retirement folks that we serve – they just consider them later in life (and with many people living longer healthier lifespans it’s highly relevant). FWIW – I think many more people are doing a phased retirement starting at younger ages where they find better work/life balance and try to get control of their schedule, pursue work/service that is meaningful to them and do it from locations they like (e.g. from home).

  17. Brenna
    August 1, 2017 at 1:44 pm

    Fascinating post! Really great food for thought here.

    I’ve recently settled on the idea of making a little dress shop on etsy as my side hustle. Time is my biggest limiting factor these days so I’m carefully choosing how I want to structure this endeavor so that I’m motivated to spend much time as possible on the parts I enjoy the most: actually creating dresses. So that means limiting how much customization I offer and letting go of pressures to optimize the business like spending time hunting down the cheapest fabrics and perfecting things. This does mean it’s not very passive. Developing digital sewing patterns would be an adjacent project that would create passive income but the start-up efforts would take energy and resources that I just don’t have right now after the basic life requirements of a full-time job, gym, and friends. But cutting and sewing a dress a month in a few different sizes? That I can do, and would enjoy doing. It’s not perfect but it will make me happy to create and at the same time move a little faster towards my savings goals. I’m planning to have something listed by the end of September and my hope is that this is a business that I can carry forward to that distant FI period of life.

    • The Mad Fientist
      August 1, 2017 at 4:35 pm

      The great thing about being your own boss is you can go easy on yourself. I too just do the stuff I enjoy and I limit the stuff that I don’t. This blog could be 10x as popular as it is now if I wrote more consistently and published once a week but that wouldn’t be fun for me so I don’t do it. And as the boss, I’m okay with that :)

  18. Robinsrene
    August 1, 2017 at 1:44 pm

    Excellent post! I especially appreciated #2, staying appreciative in the present with a cushy job with flexibilities and low stress that stills pays a lucrative wage. Overall, I loved your candor and the comprehensiveness of this summary from a full-year prospective. Thanks for letting us share your wild ride!

  19. Happy camper
    August 1, 2017 at 1:46 pm

    Awesome article! Read while looking out the window in my office and giving myself a much needed mid morning break. Thanks for being honest and vulnerable about your first year. I have thousand and four days to go and I told my husband: I’m worried about what I’ll do without a job to give me a routine. Your article gave me a lot of things to consider!

  20. MarciaB
    August 1, 2017 at 1:51 pm

    THANK YOU for removing those annoying, clutter-up-the-space-and-annoy-the-fuck-out-of-readers ads! Such a pleasure to just read without all that background crap going on.

  21. Jason@WinningPersonalFinance
    August 1, 2017 at 1:55 pm

    If this post does not make somebody want to achieve financial independence, I don’t know what would. Very motivating and inspiring.

    It’s fantastic that your “New Motivations” of quality, helping people and creation are all things you have already been doing and succeeding at on your journey to fi.

  22. Ember @ An Intentional Lifestyle
    August 1, 2017 at 1:56 pm

    As if we don’t talk about our future FI life enough, this post is enough to get us going for hours! We are on the path to FI though still towards the beginning. We have lists of what we want to do when we get there, but I think we will be totally lost when it happens.
    I love that you wrote things through the year. I feel like you really helped us see what the transition is like. Even on vacations, switching the 9-5 mindset off is super difficult. I can only imagine a what it takes for the permanent switch off. I feel like we will be returning for inspiration from this post!
    Congrats on your FI-niversary!!

  23. J Savvy
    August 1, 2017 at 1:57 pm

    It sounds like you are in a great spot in your life. That’s what FI is all about. Congrats on your FI and thank you for sharing! This is an article to save and look back to when planning for the future.

  24. Mrs. Boss
    August 1, 2017 at 1:58 pm

    I have a one-year-old and get zero time to myself. For the past year, if I wasn’t at work, I was taking care of the baby. (My husband has been great about taking on more of the chores to try to balance things out). A couple of months ago, after talking it over with my husband, I switched from a regular 8 hours a day, 5 days a week job to an alternate work schedule where I get every other Friday off (and make up those 8 hours the other days). The idea was that that would be my personal time to read, relax, etc. But so far every time it’s my day off, the day gets filled up with other things – chores, etc. So now I’m afraid that when I finally reach FIRE that all that lovely freedom I worked so hard to achieve will get taken up with chores and other family obligations. Please reassure me that isn’t so! Are you stuck doing all the chores since you’re not working and your wife is? I don’t want to trade a decent-paying job I like for an equal amount of work at home that’s unpaid and less enjoyable.

    • The Mad Fientist
      August 1, 2017 at 4:39 pm

      I’m sure things will be less hectic for you once your baby gets a bit older but if you are overwhelmed by chores and maintaining your house, you may need to simplify. I realized I hate doing home maintenance so we now rent an apartment instead. I hated worrying about and maintaining all our stuff so we don’t own much anymore (our apartment is furnished). Obviously there’s still some cleaning and things to do occasionally but simplifying, downsizing, and getting rid of our stuff definitely cut out most of our annoying chores and obligations.

      • Eric
        August 2, 2017 at 5:36 am

        Mrs. Boss – I bet chores are like money in the sense that you’ll always need a little to get by. I’m sure once you’ve reached FI there will still be those minimal chores but you’ll have more time to do them. That said, simplifying like the Mad Fientist suggested has helped us reduce our stress and responsibilities too so that we can focus more on ourselves.

        Hang in there. The first year is tough! Mine is a little over two, and it makes a difference when they can do a little more on their own.

  25. Financial Muse
    August 1, 2017 at 2:08 pm

    Congrats on being financially independent!!!

    We are not ready to FI/RE yet, but will be in about six years. We have a lot of travel plans which mirrors most people wanting to become financially independent.

    The difference will be that I won’t have to bargain with my boss about how many days I can take off.

    If I want to explore Alaska for a month or two, why not? If I want to go back to Europe for a year or so, not a problem!

    It is all about the freedom to do what makes you happy. And that is the biggest motivator.

    There’s a good reason why I’m an early riser on weekends and not so much during the week!

  26. Nevada Smith
    August 1, 2017 at 2:12 pm

    Thanks for being honest. Never knew that traveling too much would be too much. I’m a homebody so I think that I would feel the same on my first year of FI. Great pic of your house in China.

  27. Will Peterson
    August 1, 2017 at 2:13 pm

    Awesome! Just because I am in a “devil’s advocate” mood… What’s the difference between Lesson #3 (appreciating fine coffee), and Lifestyle Inflation / AKA hedonic treadmill?

    I mean couldn’t you apply the same lesson to expensive wine, scotch, cigars, faster cards with perfectly tuned engines, and exquisitely crafted furniture? Were you really unhappy drinking your “mediocre” coffee? Are you really that much happier drinking the fancy coffee, or have you just re-baselined?

    Just some thoughts!

    • The Mad Fientist
      August 1, 2017 at 5:03 pm

      You raise a good point! There’s no difference, except I’ve chosen to allow the inflation to happen on items that won’t meaningfully impact my finances.

      The coffee I usually buy is £3.50 (and one time I bought a bag for £6 when I was feeling really fancy) but normal, cheap coffee is probably £2 for a bag so I’m spending an extra £1.50 every few weeks.

      Same with the olive oil (£6 vs. maybe £2.50 for a normal bottle) and balsamic vinegar (£6 vs. £2) but those last a lot longer.

      I do the same with wine and beer. I average around £10 for a bottle of wine but it’s infinitely more enjoyable than the £5 bottle and I occasionally buy nice beers from Belgium but those are only €3 a bottle when I could get a can of okay beer here for around £1.50.

      I’m also not continuing the inflation indefinitely. I’m sure £40 bottles of wine are fantastic but I really enjoy the £10 bottles I’ve been buying so I’m just going to keep doing that.

      Since I only enjoy all these things occasionally and they bring me so much enjoyment, it’s definitely worth it to me.

      Maybe you’re a cigar guy and you don’t care about olive oil so you buy the cheap oil but you spend money every now and then on a good cigar. As long as the cigar remains a treat and is not something you just do every night because that’s what you do, I think it’s fine maximizing your happiness-to-money ratio, at whatever level of spending that happens to be!

      • Howch
        August 1, 2017 at 7:48 pm

        Yep. Life is too short to drink cheap beer. Great Post!

  28. Joe
    August 1, 2017 at 2:17 pm

    Congratulations! The first year is awesome, but the 5th year is even better! Ha ha ha, no need to worry. ER gets better with age, like fine wine. Great job with health and eating good food too.

    It’s great that you took down the ads. Someday, I hope to do the same.
    I’m with you on full time travel. We love travel, but just can’t see ourselves being on the road all the time.

    • The Mad Fientist
      August 1, 2017 at 5:04 pm

      Joe, I’d love to get you on my podcast to hear about your last five years so let me know if you’d be interested!

      • Joe @ Retire by 40
        August 2, 2017 at 2:32 pm

        I’m interested, but it’d have to be after school starts. Kid is keeping me busy in the summer. I’ll contact you in September or October. Thanks!

        • Next ER
          January 8, 2024 at 7:30 pm

          Where can I heard this podcast

      • Rick
        August 2, 2017 at 4:52 pm

        I second that – I would love to hear a podcast with Joe!

  29. Hector
    August 1, 2017 at 2:17 pm

    You are a completed Stud. Thank you. I was hanging on each and every word you wrote. What is staying with me from your post as I claw my way to Financial Independence is health benefits, actually enjoying lunch, and joy of being alive.

  30. Nick
    August 1, 2017 at 2:21 pm

    Congratulations! Sounds like ER is even better than imagined.

    I was definitely getting excited for the Man, the Myth, and the Legend to get into the nitty gritty of withdrawal strategy, but guess I may have to wait a long time for that if the businesses are booming (and I say that with no begrudgement, wish you all the best on the FI journey).
    However, that leads me to wondering are there bloggers that have the hard facts (from doing it) of withdrawal before 59 out there? Are there any bloggers that don’t have side hustles or rentals or other income (blog/ads) which are withdrawaling before 59 that you would recommend? Just at this point in my life have little desire for a side anything and want to conservatively assume that assumption continue, and am curious what information is in the blog-a-sphere outside of the general theory?

    • Cherry Lane
      August 1, 2017 at 3:55 pm

      I’m also interested in finding this. My favorite bloggers have all ended up with passive or semi-passive income in retirement, so I see a lack of resources describing the experience of withdrawals. I’m familiar with all the theory, and planning to put it into practice starting next spring when I FIRE. But I do have some anxiety about it.

      My greater anxiety may actually be “What if I just become a lazy bum? I don’t want that!”, so I appreciate the advice to already have a project or three started before FIRE. Just 227 days to get that going….

      • Perry
        August 1, 2017 at 5:30 pm

        I’m 6 months into FIRE at 40 yrs old (with a couple of youngsters) in U.K., and am also really interested in withdrawal strategies. Great observation that all our favourite and successful bloggers don’t even need the 4% rule (I also do not begrudge them this – they are legends and deserve every success!!)

        Hopefully Brandon can post some theory on this at some point (even if he doesn’t put it into practice for another 10 years ;-) )

      • Maddie
        August 2, 2017 at 7:53 am

        Although he doesn’t blog anymore, you could check out Jakob’s blog – early retirement extreme – he was the original early retirement blogger and has years of posts about living off 4%.

      • Mark Gelinas
        August 9, 2017 at 9:44 am

        I’m 59, have been retired for 3 years, have some money but not tons, living in Mexico. I don’t have a side gig, don’t really see it in my future. I’m just living each day, am bored some times, but not really sure what to do to make money, save the world, etc., that the bloggers tell us that we should do with all our options and time. I wonder if they are looking for things to fill an article with sometimes.


    • cjdquest
      August 1, 2017 at 4:05 pm

      Agreed on excitement on reading about MadFIentist’s withdrawal strategy. Maybe someday.

      I’m looking forward to reading what Our Next Life has to say on this. Sounds like they haven’t really monetized their blog. I think they do own a rental though.

    • The Mad Fientist
      August 1, 2017 at 5:35 pm

      I believe Nords (who I interviewed here) donates all his extra income to military charities and just lives on his FI savings.

      It’s so hard to find FI people without side hustles because anyone who is able to achieve FI at a young age will normally go on to earn unexpected income after they quit their job. As my buddy MMM recently tweeted, “The secret of very early retirement is that almost everyone makes money after retiring. Too much happy energy to avoid it.”

      When you are able to devote all your time and energy to something you’re passionate about, it’s hard not to produce something that generates income (especially when you’re competing with others who focus on profit above all else).

      • Lynne
        August 2, 2017 at 9:10 am

        Yeah, I think the people who achieve FIRE are generally pretty productive types, or they wouldn’t make it to FIRE in the first place. It’s not surprising they tend to make money here and there afterward even if they didn’t intend to. My own plans don’t *rely* on me generating income post FIRE, but I have some fun projects in mind that may end up doing that.

        I have relatives who definitely would never earn another dime if they were given an income that was enough to live on. But there is also no way they’d ever be able to FIRE unless they won the lottery, because they don’t see the world as a place where their own choices can shape the path of their lives. Very external-locus-of-control. People who can FIRE are the opposite of that, and don’t sit around and wait for the world to happen to them. *We* happen to the *world*!

  31. Dave
    August 1, 2017 at 2:24 pm

    Yes…. the site is awesome without ads.
    Thank you

  32. Cyndy
    August 1, 2017 at 2:32 pm

    I left my job one and a half years ago (at age 49, not that young for this crowd). For me, it took a long time to get over the feeling that I’m just on vacation and tomorrow I will have to get up early and go to work. I still occasionally have dreams where I’m back at the office. Annoying! At any given time, I have a big lists of projects to tackle. My biggest problem some days is deciding where to start. Some days are more productive than others. I have to remind myself that that is okay.

    • The Mad Fientist
      August 1, 2017 at 5:37 pm

      That’s a great point that I should have included in my post. It’s easy to beat yourself up when you have an unproductive day but I’m starting to get better at just giving myself a pass every now and then.

  33. Smart Money MD
    August 1, 2017 at 2:37 pm

    Hearing about your experiences in FI does motivate me to create a game plan when I reach FI. As a glorified service worker, I’m probably better suited to wind down instead of stopping completely.

    Keep it up!

  34. Stefan Nilsson
    August 1, 2017 at 2:40 pm

    I took the leap two years ago and my experience was eerily similar to yours. Not only the feelings, but also the motions. I ended up with regular strength training, daily cooking, grinding my own coffee, started to notice all the small things that what was happening around me, and my sleeping patterns changed radically.

    The biggest surprise for me was how much better I felt, both physically and emotionally, but it took more than six month for my body to get back to what I now consider to be a fully healthy state. On the one hand, we have an incredible ability to adapt to hostile and stressful environment, but we are also really bad at gauging the damage. In fact, I actually enjoyed my work and didn’t feel terribly stressed out.

    The very first day of FI, I woke up pretty early and went for a walk watching people hurrying on their way to work. My strongest memory is talking to a guy who had checked out in different way — by consuming way too much alcohol for way too many years. He told me he would be happy to buy me a cup of coffee: “I can pay, I have money you now.”

    Since you already found how amazing strength training can be, you should take a look at the Strength Training Pyramid by Eric Helms. He is the Mad Fientist of strength training. His nerdy interests cover both medicine and the practice of coaching and training. You’ll love his writing.

    I wouldn’t worry about losing interest in finance. It happened to me as well. Nowadays, I look at my finances once or twice a year. The rest of the time I don’t even think about it. I believe that’s the way it should be. When the money problem is solved, it’s time to look for other interesting and exciting pursuits.

    It’s amazing to be completely content, isn’t it! And with a little bit of Stoic negative visualization you can take it ever further.

    • The Mad Fientist
      August 1, 2017 at 5:39 pm

      Nice, I’ll definitely check out Eric Helms. Thanks!

  35. SaraEllen Hutchison
    August 1, 2017 at 2:41 pm

    Thank you for posting this thoughtful summary. It reminded me that there are so many ways that I can be happier and more at peace and grateful for exactly how life is right now — making time to stay healthy, savoring meals, and being fully present with friends and family and not obsessing about work.

    I especially enjoyed your reflections on travel. “To be happy at home is the ultimate result of all ambition, the end to which every enterprise and labor tends…” — Samuel Johnson

  36. GoldenSanDiego
    August 1, 2017 at 2:50 pm

    Congrats on year one with decades to come. I love a lot of the things that you point out in this article. There are to many people in the FI space with their heads down plowing toward the number they have set for independence and forgetting to look up and smell the roses along the way. All of the benefits you spelled out through your first year are all the things people should be enjoying while working for their freedom number. I have come to the realization over the last couple months that I would rather add two or three years to my working life, slow down a little and live a little more free on a daily basis. I have, like you, increased my time spent working on my fitness because if I get to FI but can’t enjoy it what’s the point, right?

    Thank you for all the work you do for the community at large and having the integrity to remove the ads now that you are truly FI. I think it shows true moral character. So thank you for setting the example and keep up the great work.

    • The Mad Fientist
      August 1, 2017 at 5:42 pm

      Yeah, it’s definitely not a race…the point is to just maximize happiness as much as possible (including the time before FI) so slowing down, even if it pushes FI out a bit, seems like a fine plan to me.

  37. Earl Wallace
    August 1, 2017 at 2:55 pm

    I really enjoyed your article. I have been fire since April 7, 2016. After working for 50 years I decided I would live on the internet taking classes, listening to pertinent broadcasts and teaching myself all about security. I grew out my hair and beard which was not possible when needing to present a good business front. I married the woman of my dreams 11 years ago and since we are in those “Golden Years” my ambition is to spend as much time as possible being with her. After 6:30 PM we go to the opposite sides of the house and immerse ourselves in our favorite projects and meet at midnight for sleep. I have developed a program of spiritual growth which has increased my contentment and lowered my stress. After being laid off at the last 4 major recessions I placed reaching FIRE my primary goal. I bought a small home which I paid for in 6 months. I paid off my 2 vehicles leaving no debt what so ever. I worked till I was 63 and went totally fire. Living totally on Social Security was turned into a science which gave me a lot of enjoyable FIRE applications of its principals which paid off more than I had planned. I have not had to touch our nice Facebook stocks and emergency fund. IN the past I was always stressed to ave a certain amount of money in the checking account to cover drafts to different bills. I use my local bank’s credit card to pay our bills now because I am not obliged to keep up with the stress full bank drafts. I pay the balance monthly and use the reward points for my wife to go on shopping sprees which gives me extreme joy to see her return home in a gleeful mood giving me a fashion show of her new purchases. in my reading I have found that tithing has a similar thread in most of the world’s religions so I give 10% of my gross income to charity with no financial bad side effects. I want to credit God and Mister Money Mustache and all the members of the MMM Facebook groups for new methods to enjoy my retirement success.

    • Nevada Smith
      August 2, 2017 at 10:04 am

      Very inspirational Earl!

      • Earl Wallace
        August 5, 2017 at 5:34 pm

        Thank you Nevada!

  38. The Frug
    August 1, 2017 at 2:57 pm

    Great post. It’s about 3 o’clock here and I am jumping on my bike to join my son at the pool.
    It’s so true about the little things you don’t appreciate, like making a high quality lunch, or trying out a new fitness plan. Even if you spend four hours a day on personal projects, you’re done before lunch and you have the whole day open in front of you. It really took me a while to wrap my head around that, and your post describes that feeling perfectly.

  39. Stewart
    August 1, 2017 at 2:59 pm

    Very good article. I love the first day of FI panic attack. I did not realize that our FI day was almost exactly the same.

    My first year of retirement has been more of a challenge for me. Much of my self worth was wrapped in my job title and now I feel like a bit of a nobody. My wife still works and has no intention of quitting ever. She has her own business and it is a great business which she would do for free if need be. I have spent my time doing Genealogy research, transcribing my Diary’s onto a word document, playing the stock market, doing various adventure’s (biking long distances, kayaking, sailing, hiking the PCT etc) and traveling around the world.

    I agree with you that finding motivation is very important once money is taken out of the equation. I have the desire to sail around the world but going without my wife has little interest and I believe that this has put my first year into a holding pattern. Unfortunately, I do not seem to be able to get out of the holding pattern and instead find myself engaged in many small adventures, which I am enjoying.

    I completely agree with you that being FI is the most liberating thing that has ever occurred to me and I highly recommend it to everyone.

    Thanks for the great post Brandon and wish you continued good luck in year two.


  40. Tracy
    August 1, 2017 at 3:07 pm

    I just switched to working remotely and that alone has given me some of the same thoughts. Compared to being in the office I love it….I can only imagine how much better being fully retired would be!!

  41. Mr. Freaky Frugal
    August 1, 2017 at 3:12 pm

    I FIREd in 2012 at 52. I’m older than you, so maybe that’s why my experience was a little different. I went through several stages:

    1) Ecstasy (1st 6 months): Wow, I can do whatever I want. I’m so free! I think I’ll try this, that, and the other thing.

    2) Hedonic Adaption (6 months – 2 years): Well, I’m free and I’m really glad I’m no longer a Wage Slave, but what the hell do I do now? I need some challenges.

    3) Balanced (2 years until now): I don’t even remember what it’s like to work at a job that I hate. I’ve found some good physical and mental challenges. Everyday I try to do something that makes me a little uncomfortable. Life feels very satisfying and balanced.

  42. OneThingBeautiful
    August 1, 2017 at 3:19 pm

    Ha! Like “The Vigilante”, I was sipping a cup-o-joe as I read through your post, and the coffee-bit struck a cord as well. However, it was a slightly different cord. I just transitioned to a work-from-home scenario, and have begun to notice how much better my coffee tastes every morning…especially as I’ve been experimenting with the different roasts and blends. I think my wife secretly cracks up every time I smell my coffee and comment on it’s bitterness…or smoothness :)

    Thank you for this post. My wife and I are knockin’ on the door of FIRE and I too have been freaking out a little bit. I’m fairly new to the FI community here, but a common worry and/or hurdle seems to be the “what’s next?” question. I’m trying to heed the warnings and rediscover my passions. Working from home certainly gives you that quiet time to think… and reflect …and explore …and read great blogs and stories for inspiration. Your post here inspires and gives me great peace. Your lessons are invaluable. Thanks again.

  43. Steve @ StevesIncomeStreams
    August 1, 2017 at 3:22 pm

    Very cool post! Bedding was a great idea for a treat to spend your surplus on – a good night’s sleep can really contribute to happiness :)
    PS: I’m looking for side hustle ideas to help turbo charge my savings. Does anyone have any ideas? I have strong programming and writing skills.

    • The Mad Fientist
      August 1, 2017 at 5:57 pm

      Here’s what worked for me as far as side hustles are concerned:

      1) Pick something you are really interested in and want to learn more about, create your own site about that topic, do some research to learn more, write about what you learned, interact with others who are interested in the same topic, and repeat the research-write process as much as you can (and also, don’t expect to make any money because it won’t come quick, if it ever comes at all). That’s my Mad Fientist story.
      2) Notice when you say to yourself, “I wish there was a x that did y” and then use your coding skills to make that. I really wanted a good way to find the best credit-card signup bonus for specific airlines but it was always a huge pain in the ass figuring out which points transferred to which airlines and at what ratios. I thought to myself back in 2011, that’d actually be a pretty easy web app to write so I just did it over a couple of weekends. That turned into my card tool that I mentioned in the post.

      The important thing is to pick something you’re interested and enjoy so that it doesn’t feel like work (after all, who needs another job?). If you don’t enjoy it, you’ll likely quit before you ever make a penny.

      • Mark Gelinas
        August 9, 2017 at 10:18 am

        Very interesting article….I find my thoughts are different from yours and other bloggers, and maybe I wish they were more in line with yours, I don’t know. I retired 3 years ago, live a simple life in Mexico, not with tons of money but likely will be enough. I don’t have any side hustles, not opposed to one but just can’t think of one. I don’t wake up trying to find a way to accomplish things, or save the world. I do get bored some times, enjoy reading finance blogs and some travel blogs and enjoy living in different parts of the world, not to travel but to stay for a while and really see what it’s like. I enjoy the simple life, eating healthy, light fitness etc. I used to work like a maniac and never developed many side interests. I wonder if many others are like me?

        At times I wonder if I should be doing more.

        Thanks, I love no ads

  44. Harmony@CreatingMyKaleidoscope
    August 1, 2017 at 3:23 pm

    I love the part about how there was nothing the two of you wanted to buy to make you happier. It speaks volumes for why you were able to achieve Financial Independence.

    Thank you for sharing and inspiring us to keep working towards reaching our own goals. I can’t wait to see what you do with your second year of early retirement

  45. DC on FIRE
    August 1, 2017 at 3:30 pm

    I completed my Freedom! spreadsheet this morning, as I do on the first day of each month. My second best month since I began tracking it all earlier this year. Then I shut the computer, threw a suit on and rushed the kids through breakfast so I could drop them off on time to get to work. Life.

    Because of you, MMM, Root of Good, Mr. 1500, PoF and Jim Collins, in exactly 27 months, I expect to find the freedom that you write about so eloquently in this post. You all have helped bring a focus and purpose to all of the savings I have done for the past 12 years — and helped inspire me to save more than ever. More important, you’ve helped me realize that the script that society prescribes can be thrown out the window in exchange for a life of Freedom!

    I too am looking forward to exploring my passions in retirement, primarily artistic passions such as music. I’ve been planning to set-up a home recording studio to make music for years but just those excuses of daily life get in the way. I’ve also began to curate my post-work “work” as a charity auctioneer, which is a totally exhilarating experience for me and it helps a bunch of charities raise more money to do good things.

    I also expect that first day, week, month, fortnight to be filled with long, drawn-out breakfasts (as well as video games, summer travel, etc…) with the kids and my significant other. The poached eggs especially sound delightful.

    Thank you! Keep on writing!

    • The Mad Fientist
      August 1, 2017 at 5:58 pm

      What kind of music do you want to make?

      • DC on Fire
        August 2, 2017 at 12:47 am

        I’m an electronic music nerd from the 80s influenced heavily by Depeche Mode, Yaz, Front 242, Skinny Puppy, Nine Inch Nails, etc. I’ve played synth in bands over the years going back to the mid 80s. I have so many ideas but just haven’t made the time to get an in-home studio together.

        Look forward to hearing about your artistic venture in a future post.

        • The Mad Fientist
          August 2, 2017 at 10:20 am

          Nice!! I love Depeche Mode and NIN. I tried to get tickets for Depeche Mode’s show in Glasgow recently but they sold out before they were even meant to go on sale :(

          What’s the holdup on the home studio? Do you have a lot of gear or something?

          I’ve had to limit myself to just my laptop and a midi controller for now because I needed to remove all barriers so that I’ll actually get some shit done. Plugging in my analog synth and getting it set up obviously isn’t hard but it’d be enough to just push me to Twitter or something instead, haha.

          Get your studio set up ASAP and send me some sweet synth sounds! And if you haven’t guessed by now, my artistic venture is probably extremely similar to your own :)

          • DC on FIRE
            August 4, 2017 at 10:45 pm

            Awesome! Look forward to hearing what you create. I will prioritize my studio. Need that creative outlet. Not a lot of gear at all. A Mac, a Roland Fantom X-7 and a new Steinberg UR22. And a set of Roland V-Drums. My limitation is that I’ve never set up a home studio before. Always just played live. So a bit of a learning curve.

            Going to see Mode on August 30th in Chicago. Maybe my 14th or 15th Mode show dating back to their 1984 Some Great Reward tour.

            Hit me on my email if you want to share tracks.

  46. Mr Wheat
    August 1, 2017 at 3:30 pm

    As usual, awesome post. It’s really helpful for those who are close to FIREing to see the process post-FIRE as you laid it out. And waiting a year was definitely the right choice.

  47. MrWow
    August 1, 2017 at 3:36 pm

    This is awesome and really hits home. I had abreak this summer for about two months and I really started to get into the groove and I went through a mini version of what you did. It was amazing, and I was busier then when I was working. Alas, it came to and end. But it certainly motivated me to make this happen sooner and strive to accomplish it as soon as we can.

    This is so motivating. Thanks.

  48. Baltazar
    August 1, 2017 at 3:44 pm

    I am almost two years into FI. Did a round the world trip and it was the best thing I ever did for myself but now that I am back to reality I have to admit I am still struggling to find the purpose. I do enjoy many of the benefits you have described but no strong motivation to push me forward. I guess I wasn’t prepared for FI life at all, could be because I was let go at work just as I hit my FI target.

  49. Mr Crazy Kicks
    August 1, 2017 at 4:02 pm

    Awesome first year! I gotta say, these are a lot of the same experiences I had my first year. Especially the part about no longer having excuses, and being present. I’ve hung out with way more friends and been there for family because I don’t have work as an excuse. The biggest thing I’ve taken from starting meditation is being present. Before I wanted time to fly by, now I want it to stand still so I can enjoy each moment.

    We are still doing a lot of travel, but I think we may have found our limit at 2-3 weeks on the road. I still love it, but am also happy to spend 90% of my time around the house and neighborhood working on projects and hobbies.

    I’ve also been eating better, and am in the best shape of my life. While I had some plans to try doing some contract work, it’s just not appealing since we don’t need the money and there are more interesting/rewarding projects to work on.

    Glad to hear it’s going great for you too! Often times I think it’s too good to be reality, it’s nice to hear someone else experiencing the same thing. Now to just get more friends on board :)


  50. Mr. FWP
    August 1, 2017 at 4:10 pm

    Great wisdom: that’s exactly the type of thing I intend to do with early retirement. I’ll use it to pursue more fulfilling things. In fact, that’s what got me started – the desire to do other things as “work” (even though they don’t pay much/anything). And that’s what I blog about: orienting finances in a way that helps achieve purpose and add value to others’ lives.

    There’s a wide gulf between working to be *free* of something and working *towards* something better.

  51. Dalina
    August 1, 2017 at 4:41 pm

    This post gave me goosebumps. This is what I want!

  52. Tony Coretto
    August 1, 2017 at 4:51 pm

    We’ve had similar experiences in our first year of freedom; we are still over-scheduled with triathlon training, real estate investing, some part-time consulting for fun, traveling, hanging out with our adult children, blogging (, and learning/doing new things. I think the one lesson from my experience is to schedule LESS, do LESS, and enjoy MORE – it’s not a race any more, it should be a time to delve more deeply into fewer things, and not be as frenetic as we were in our old lives. Love your site, looking forward to more!

  53. Pat M
    August 1, 2017 at 5:06 pm

    I know that once I hit our number (both my wife and I are FI’ers in the making) I will want to do nothing. I’m so busy at this point that I cannot wait for the day where I can be the guy from Office Space: “I did absolutely nothing, and it was everything I thought it could be.” That said, travel is on the docket for year one and I cannot wait to really spend some time brewing. I don’t think I’ll be able to turn it into a business, even though I live in one of the more lax states as far as those laws are concerned (Live Free or Die!). I would be real interested in hearing some real life FI stories to see what it’s like to turn a hobby you enjoy into a business. I feel like it would structure the hobby too much and add in the stress you worked so hard to lose.

  54. Izabela
    August 1, 2017 at 5:25 pm

    Hello Mr. Mad Fientist! What do you suggest for those who are not in the US and don’t have access to a free Personal Capital account to track net worth, monthly spending, etc.
    I have used the FI Laboratory for a year but I was never sure I had added up my figures correctly, especially my net worth. I did some research on it but I felt the directions were too general, I never knew if I had either added too much or left out important info.
    I really admire your life journey and the fact that you share it and help others achieve it too.

    • The Mad Fientist
      August 2, 2017 at 10:24 am

      Net worth is just your assets minus your liabilities so just add everything up and calculate it manually!

  55. Unconventional Sustainability
    August 1, 2017 at 5:25 pm

    I love that you waited a year for everything to sink in before writing about being FI. I’ve been trying to develop the mindset of living like I’m already retired as a way to test out my life post FI. So many of the lessons you mentioned are also some of the lessons I’ve been learning over the past 2 years.

    In fact, I started a year-long Sustainably Happy Project this year to further explore what I want out of my life (since I agree with the idea that we should all retire to something, rather than just from something). Focusing on a new topic each month (this month is mindfulness and last month was friends and family) has helped me to finally prioritize all the little things I think I want more of in my life.

    And I recently decided to take this a step further by taking a 4 month sabbatical from work. It’s easy to think that if I had more time I would do all of these things, so I wanted to fully test some things out by temporarily removing work from my daily life. I’m sure my 4 month break will go by very fast, but either way, I’ve committed to coming back to work part-time afterwards. That’s because through my happiness project I’ve learned that my time is my most valuable and finite resource!

    Thanks for the great post!

    • The Mad Fientist
      August 2, 2017 at 10:26 am

      Very cool project. What have been some of your biggest takeaways so far?

      Hope you enjoy your 4-month sabbatical (I’m sure you will)!

      • Unconventional Sustainability
        August 2, 2017 at 8:19 pm

        It has been a really great project and has fundamentally changed how I view and approach my life. There have been so many interesting takeaways from this project, but here are a few that seem constant regardless of what I’m focusing on:

        1. Busyness is relative – it’s about what we prioritize and make time for. (In fact, I’ve stopped using the excuse that I didn’t “have” time for something and instead say that I didn’t “make” the time)
        2. Happiness is a daily choice and it’s easier to enjoy my life when I focus on being present (rather than focusing on what happens next)
        3. Making myself happy rarely costs money, but it does requires time
        4. Embracing who we are (quirks and all) takes less energy and usually makes us more fun to be around :)

        • Mark Gelinas
          August 9, 2017 at 10:25 am

          great reminders, thank you

  56. Justin
    August 1, 2017 at 6:11 pm

    Sounds like a busy and rewarding first year! I’m about to complete year #4 of early retirement and I still have trouble wiping the stupid grin off my face. I’m sure others wonder why I’m smiling so much :)

    We’re entering phase #2 of early retirement – so far we’ve been “stay at home parents” taking care of the youngest one during the day. Once we return from our 9 week trip in Europe in a few more weeks, our youngest will almost immediately start kindergarten (and the older 2 kids return to school full time as well). So we’ll be kid-free from 8:30 am to 3 pm every day which means tons more free time to do… well, I’m not sure yet :) I’m sure I’ll fill the time with something interesting, engaging, and fun. I’m looking forward to see how our daily routine changes this fall though.

    Anyway, best of luck in year #2!

    • The Mad Fientist
      August 2, 2017 at 10:27 am

      Thanks, Justin! Hopefully we’ll get to finally meet in person somewhere in the world this year.

  57. Robert Finch
    August 1, 2017 at 6:22 pm

    I have been retired for 21 yrs and not really FI. But do have an investment portfolio. I found that it was a good idea to have several Hobbies to help fill the time. Life has been good health not too bad, though aging has its problems.

  58. ThomH
    August 1, 2017 at 6:32 pm

    Incredible read, and the timing couldn’t have been better for me personally. I am in my third month (or fifth fortnight!) of FI. It’s awesome to hear your detailed experiences because I’ve been going through a lot of those same emotions and experiences. It was somewhat reassuring to know that the outright gravity of the freedom affects many of us in the same way. My first day was glorious. The feeling of new found freedom was incredible and at the same time absolutely terrifying. I’d worked for 25 years, and I’d spent the last 9-10 years really pressing toward FI, so it wasn’t like I was unprepared for the actual day. But it wasn’t exactly like I’d imagined. It’s hard to explain it, but your article came as close as I can capture in words. It’s euphoric and somewhat gut wrenching all wrapped up together. My wife left her job about six months earlier, so we’ve spent much of our last five fortnights ;) catching up on healthier activities (running, walking, biking, kayaking, tennis, etc.). We will likely start more traveling next year, so just a few short trips so far. It is wonderful…the freedom each day to choose whatever is next! I’m still wrapping my mind around it, nearly three months later. My favorite days are days spent just creating something new around the house or working in the yard. And I had to laugh at your coffee point, though it has been craft beer for me (but I do love a good coffee stout!). We’ve become quite the experts on our local craft breweries (and we have quite a few really good ones!). You are also right about the meals!

    It’s strange, we work so hard to prepare financially for FI, but there’s no way to understand the myriad of emotions that accompany the reality. It’s everything and more than we imagined! I love it. But it comes with a small dose of “gut-check” at the same time because now you get to (have to) choose whatever comes next! You really nailed the desire for being in the “present”. We talk about that very thing all the time! We can’t slow each day down enough because we enjoy each day so much more now. We’re finding all the small things in our life, that have been hiding there the whole time, and yet we hardly noticed them before!

    Best of luck with your family’s year #2! We are looking forward to tomorrow, and who knows…maybe another craft brew! Cheers!

    • The Mad Fientist
      August 2, 2017 at 10:30 am

      Really glad to hear my post got close to describing what you experienced. Thanks a lot for sharing and hopefully we can trade stories over a good craft brew (or two) some day!

  59. FIRECracker
    August 1, 2017 at 6:46 pm

    I completely relate to this post! The difference is that I hated my job and you liked yours. You’d think that would make it easier to transition into early retirement but it didn’t. The first day after quitting was still terrifying (even though I had projects lined up before I quit). I think it’s just because we’ve been so conditioned to think having a job is a the only way to spend our time, without it we all of a sudden start to feel vulnerable and start questioning our identity. But just like you, as time went on, I became more confident and the passion projects we worked on became more and more enjoyable. Especially since they are motivated by helping people and not by money. I started to wonder “why didn’t I do this earlier?”

    In terms of travel, I’m the opposite of you in that I find myself MORE productive by travelling. if we stay in one place for too long, familiarity sets in and then I end up being bored and distracted. Then I end up procrastinating like crazy. When we travel, my brain gets more stimulation and we end up accomplishing more. I think this is why we were able to launch the blog AND build an entire app from scratch while travelling the world. The trick is to slow travel so you’re not constantly trip planning. Now, 2 years after retirement, I love my life and wouldn’t give it up for anything.

    I’m glad you are having a blast in retirement! Just the “being more healthy part” is worth the effort to become FI, even without the awesome projects. I easily lost weight from travelling and not stuffing my face from stress and boredom.

    Thanks for writing this post! A lot of people want to know “what the day after” is like and you’ve captured it perfectly!

    • The Mad Fientist
      August 2, 2017 at 10:58 am

      Hey, nice surprise seeing you around here :)

      Wow, you’re going to have to share your productivity secrets with me when we get together because I get NOTHING done when I’m traveling. I’m always just researching where my next delicious meal is going to come from, haha

      • FIRECracker
        August 8, 2017 at 5:52 am

        ” you’re going to have to share your productivity secrets with me when we get together ”

        Deal! :) See you in 3 days!

  60. Doug
    August 1, 2017 at 6:56 pm

    Hey buddy, congrats on your first year of freedom! You’re an inspiration for us all and thanks for the mention!

    • The Mad Fientist
      August 2, 2017 at 11:01 am

      Thank you for making me stronger :)

  61. Casey
    August 1, 2017 at 7:31 pm

    Excellent post, Brandon! I’ve been a huge fan of your work for years, and have benefited greatly from it, so thank you!

    I was shocked to see Wenzhou mentioned, as I actually have family there. What led you to choose that city as your first post-FI travel destination? It’s not much of a tourist trap, so I was surprised to see it mentioned as your first short term foreign residence after pulling the plug on your job. I’d love to hear about your perspective as a foreigner there (and in China), either via a reply here or an email. Thanks and congrats on your successes!

    • The Mad Fientist
      August 2, 2017 at 11:07 am

      We actually lived there for three months in 2009. Jill had to go back to optometry school in the States (since her UK qualification didn’t count there) and Wenzhou was the only international rotation that was available so she went for it (and I tagged along)!

      We loved Wenzhou and China, once we got used to how everything worked there.

      It was the most culture shock I experienced in all my travels but it was one of my most rewarding trips we’ve taken so I’m really glad we did it. I’d love to go back and visit someday!

  62. Kok Heng
    August 1, 2017 at 7:33 pm

    Hello Madfientist! Greetings from Malaysia:)

    I’m 30 years old and just started my journey to FI. One thing me and my partner are worrying is the uncertainty of life after FI, your post has painted a clear picture of that. Now I’m more determined to getting there! Thank You!

  63. Frugal Safari
    August 1, 2017 at 7:37 pm

    Great article! My goal is to slow travel as well when I reach FI. I wonder if I will also realize that it is not for me once I do it. My biggest problem right now is pulling the plug. On paper I have reached FI, but I am having a hard time pulling the plug. I am a very competitive person and feel that if I don’t get that sale someone else will, and I have a hard time accepting that. I will hopefully learn to let it go with time. Can’t wait to hear more at about your first year when I see you at Fincon.

  64. radtek2112
    August 1, 2017 at 7:45 pm

    Congrats on 1 year of freeeedoooommmmm! I like hearing about the simplistic pleasures of your RE. Good coffee, working out, realizing your little car is fine. That’s what I imagine in “retirement” (whatever that will be for me). I would appreciate if at some point you could make some sort of primer for the logistics of RE. I’ll explain. I’ve spent so much energy and time making, keeping, and investing the money to FIRE, but I haven’t seen a lot written how to manage that money after retiring. I would appreciate guidance on things like how to withdraw the money properly, some kind of spreadsheet to organize and keep track of how much was taken out of accounts, additional tax concerns in RE, re-balancing. This part is a mystery to me and kind of stressing me out. Any help would be appreciated. Thanks again for your amazing articles and guidance! Cheers to living the life you want….

  65. James
    August 1, 2017 at 8:52 pm

    “Holy shit, we live in China now…what are we doing?”

    I love that comment. It reminds me of why I ride a bike: Because when you go somewhere on a bike, you damn well got to get your ass back home.

    I read your writing, then again, then one more time. I’m close enough to FIRE that I’ve tamed the jealousy well enough to think critically about what people write about FIRE, and your writing is some of the most insightful and helpful I’ve ever read. (and I’m a HUGE MMM fanboy, BTW)

    Don’t stop writing about FIRE, what you (and the Mrs.) are doing, and generally what you are thinking or feeling. It’s great stuff, and those of us out here working that direction need to hear from the Other Side.

    FIRE in 2020!!!

  66. Hyewon Jeon
    August 1, 2017 at 9:01 pm

    I am in so much love with this post! So thank you very much Mad Fientist!!

    I’m 28 y/o and currently five+ years into the corporate world in South Korea and I’ve been almost religiously following your blog and other FI/RE blogs in hopes of some day acheiving FI myself. It is discouraging and sometimes gets lonely to be aiming for FI in a small/homogenous country with overall high degree of capitalist/materialistic mindset, but I sure hope I don’t lose momentum and keep sticking to my plans and conscious lifetyle until the day comes.

    Thanks for writing and sharing this post! What you’re doing is amazing!!

  67. aperture
    August 1, 2017 at 9:48 pm

    Thanks for your post Brandon. I really appreciate the time and effort you put into putting out well-written personal high quality content like this. I had not previously considered the possibility that money which has dominated my thoughts for so many years could drop off as a motivator for me. Further, that once gone, I might feel somewhat unmoored as this guiding engine is suddenly replaced. I hope I can find a new star with as much aplomb as you have. Best wishes on year 2.

    P.S. Anyone weighing whether to travel to Ecuador or not – I highly recommend the experience. It will enrich your life.

  68. Ricky Rodriguez
    August 1, 2017 at 10:05 pm

    Thanks for taking the time to share your experiences during your first year of FI! So very inspiring! I am playing catchup, but my plan is to be on an FI mode in 17 months (January 1, 2019) or sooner if forced! I like repeating the date for obvious reasons! After losing pretty much all our family savings by 2010, I had to start almost from scratch. As the father of 3 boys (17/19/21) and main family provider, it has been a ride! By the time all is said and done, it will take 8 years to accumulate what we need to do what we want, when we want and to be on a FI way of life!! The sudden and unexpected departure of my youngest brother has been an existential motivator. We know our real birthday, if we are lucky; but we rarely ever now our exit date. For that reason, I am doing all I can to set a great example to my 3 sons and get to a place where living a fulfilling, FI life is part of our life plan. Me? I am ready!!

  69. Ariel @ Frugal Mermaid
    August 1, 2017 at 10:14 pm

    Let me add my nice message to the mix…You are the reason I’m on this path to FI. I found your podcast and was hooked within the first 5 minutes. It honestly was like a religious conversion. You introduced an idea that I had never known existed, and changed my life for the better. Everything about my life is better since I heard that first podcast episode and started making changes. And, even better, I know that this path that I’m on will lead to an even more incredible life in just a few short years. You are to me what Jacob Lund Fisker, JD Roth, Jim Collins and MMM are to you, so I know you can understand how much you have changed my life.

    Sorry for the sappiest thank you a stranger has ever given you, but I want you to know how you’ve influenced me. Thank you so much for everything you do!

    • The Mad Fientist
      August 2, 2017 at 11:28 am

      Wow, that’s amazing to hear so thank you for writing what could be my favorite comment ever :)

  70. Oldster
    August 1, 2017 at 10:30 pm

    I remember that feeling when I first realized that I had enough money to quit working if I wanted. It was a bit disconcerting. When you’ve spent your life in the accumulation phase, and then realize you can stop if you wish, there is an unexpected void. Took me a while to figure out how to deal with that. Your description of that moment resonates with me.

    Great post. I look forward to hearing more about your continued personal development. Keep ’em coming!

  71. Ted Matthews
    August 1, 2017 at 10:45 pm

    Well said. I have been following FI close to a year now thx to yours and few others blogs. Iam less then 5 years away now from quitting work. I am working on building my side hobby and I am not looking for gaining anymore $$ but instead helping others in need. Because money is just a tool but everyone needs it to get by. So ones having enough to get by we can concentrate on what matters the most. For me and my family we would follow the Lord and grow closer.

    P.S. Hope you and your lady are working on having a baby. :)

    Blessings ,


  72. Joseph
    August 1, 2017 at 10:47 pm

    I forgot how or when I signed up to your blog and haven’t really read any posts but I decided to click on this one and it brought a smile to day :)


    • The Mad Fientist
      August 2, 2017 at 11:37 am

      Sounds like you need to start clicking more ;)

  73. Ron @ Untrained Life
    August 1, 2017 at 11:04 pm

    Great post! These “lessons learned” resonate really well with me.

    Stay-At-Home Dadmanship has been my first step towards complete FI (my wife still works part time). Aside from baby related tasks, I have found great daily motivation in the kitchen. Like so many other FI-minded peeps, I have been attempting to make healthy food that is good enough to make us never want to eat out! I always tell people “I still feel as busy as I did when was working, just without the stress”. It is a happier kind of busyness.
    Cheers to the good FI life! Thanks for always posting such entertaining and useful info!

  74. Ksheetij
    August 1, 2017 at 11:35 pm

    I’m so envious right now. I have this “low-level stress” of pending work from the office emails that are still unread. It’s all under control but still some nagging feeling at the back of my mind reminding me that I need to get back to work rather than enjoy your beautifully written post.
    It’s been wonderful to read about your experiences and thoughts. Thanks for sharing them. Keeps me hopeful.
    I believe I’m following your footsteps, though a few years behind.
    Hope to meet you on the other side soon. ;-)

  75. Mr. Hammocker
    August 1, 2017 at 11:36 pm

    Congrats! Seeing all of those countries would be amazing. Meeting all of the great people out there, including the frugalwoods, is inspiring. Is it possible to eradicate stress? It seems the majority of my stress comes from work. If I retired, wouldn’t my stress mostly go away? My theory is stress will mostly go away with an easier lifestyle.

  76. seongmin
    August 1, 2017 at 11:44 pm

    hello, Brandon

    I have been reading your posts for a while and really enjoy the uncluttered and focused site to read.
    I am a musician/teacher by training, and have been writing a novel since I FIREd 5 yrs ago. We travelled quite a bit and lived in Edinburgh for one year. Now back in Berkeley, CA. I make a point of taking long walks everyday, enjoying a strong cup of good joe…then I improvise on my instrument and write as late as my imagination and stamina allow. I rarely look at my investment portfolio anymore. That is true independence to me: doing things I love w/o financial motivation. Like you, I don’t want to travel constantly. I enjoy the stimulation of travels but need a place of comfort and familiarity to continue to create. It might sound cliche, but I couldn’t stress more that money doesn’t buy happiness but freedom to seek happiness and fulfillment if you are ready and willing to take the leap.

    My only concern would be what will happen to Obamacare? I often think about finding ways to permanently move to Europe or Canada for a more affordable health insurance.

    Please keep up the good work. I look forward to hearing about year #2!

  77. Chelsea Otakan
    August 1, 2017 at 11:47 pm

    Maybe it’s time to start donating to charity :)

    • The Mad Fientist
      August 2, 2017 at 11:40 am

      I have issues with giving to charity for some reason but I’m trying to work through them so one day I imagine that will be on the cards.

      • radtek2112
        August 2, 2017 at 6:39 pm

        I’m less generous than I could or should be. My wife and I do donate to things (I’m about to throw some money to a friend’s charity fundraiser as we speak), but I’m sometimes skeptical about established charities. Is that your experience or something else?

  78. theFIREstarter
    August 2, 2017 at 4:10 am

    Sounds like a fantastic first year of FI!

    One thing that came to mind (and I’m sure you and other commentators already thought of it) is that a few of these lessons that only came to you once you were FI can and probably should be learned and implemented before you even get to FI.

    For example:

    Lesson #5: FI = Rebirth. What you were before FI doesn’t matter. You can be anybody you want after FI so figure out the type of person you want to be and start being that person.

    Why not just figure out the type of person you want to be now and get on with it? I get that having much more time makes this process easier but there is no reason why you can’t think about and start to implement steps to changing who you want to be whilst having a job.

    Lesson #7: When you realize how good life can be after FI, you’ll want to make sure you have as many healthy years left as possible so you start to see fitness in an entirely new light.

    I found that just knowing about FI full stop already got me on this path, because you are already looking forward to as many healthy years as possible once you hit the goal. In fact that is a bit of a lie, just getting to the age of 30 started me on this path because I actually realised that I don’t feel any different than I did when I was 20, so it is likely that I won’t feel any different at 40,50 and beyond and therefore it will do good to actually take care of my body. I’m no health freak by any means but just try to eat a bit healthier and exercise more than I did before.

    I really like lesson #6 – Some people seem so certain about their plans especially those who think full time travel is for them. I think it takes a very certain kind of person to be able to enjoy that indefinitely… I get homesick after a few months of it even though I thought I’d love to travel for a year or more when I was younger, I discovered that was not the case!
    Nowadays with a kid in tow the thought of being away for a month or more kinda fills me with dread more than anything… haha :)
    A very valuable lesson – things, outlooks and life change constantly.

    Cheers for a brilliant post, so many great lessons to be learnt here!

    Also you forgot the best bit of your year… you got to meet me! Hah! :)

    • theFIREstarter
      August 2, 2017 at 4:13 am

      Oh, also found it funny to hear that Fortnight is not a word used by Americans?! Wonder how/why that got lost in translation? :)

    • The Mad Fientist
      August 2, 2017 at 11:47 am

      Yeah, I completely agree. I think the problem is that most people are so stuck in their normal routine that it takes something dramatic like quitting work to prompt them to start making these big changes (me included).

      No idea what happened to fortnight but I’m trying to bring it back!

  79. Jim MCG
    August 2, 2017 at 4:37 am

    Great post, very inspiring and very similar to my own first year of early retirement, with one exception: I decided to go back to work! For me, the biggest thing (or two biggest things) you have that have made a massive difference to your experience is (1) the Mad Fientist project that helps fill your day and (2) it generates an income that covers your expenditure. Some less charitable people might call this “a job”, and so you’ve just swapped one kind of work for another, but I think you’ve highlighted the key differences that makes this less true for you. For me, I really struggled with no structure to my days whatsoever outside of what I classed “leisure activities” and increasingly I wanted to “do something”. I also missed the social side of work (I always struggled with “working from home”, hated it, and avoided it as much as I could in employment). And dipping my savings and investments just to live, while not putting anything back in the pot, became increasingly difficult for me. I’ve blogged about this, and still do, on my own site, but reading your post certainly underlined to me where I went “wrong” in early retirement and gives great advice on what to do to avoid these pitfalls, namely: generate a project that generates an income that you can continue to work on when “retired”! Cheers.

  80. Sam
    August 2, 2017 at 5:03 am


    I think having a project lined up that you can pour your focus into is key for that feeling of satisfaction.

    Will return to this page when I near my own FIRE date!


  81. Andre Paschoal
    August 2, 2017 at 5:24 am

    My Honda Fit (Jazz) is turning ten and I’m still pretty happy about it :)

  82. Kalle
    August 2, 2017 at 6:36 am

    What a fascinating read; congratulations and thank you for sharing your experience! I should reach FI in about 5 years. While the thought exhilarates me, I also find it a little daunting, at least for the time being. I’m a teacher and as much as I appreciate the long summer holidays, I do get somewhat bored towards the end of them. I know it would be a different thing in ER, but still… I do like my job, so chances are I’ll continue working, but with minimum hours, in which case I would enjoy the job even more all the while having more time for other things in life.

  83. dude
    August 2, 2017 at 7:40 am

    Great, as if work wasn’t hard enough for me to bear already (with one year and nine months to go), you’ve gone and completely sapped any motivation I have to be here. Thanks for nothing!

    But seriously, congrats on living the FI life, and thanks for letting us all live vicariously through you until our time comes. FYI, I’m a long-time rock climber (@17 years) and part-time climbing guide here in New England (until I retire from Career #1 and pick up guiding full(ish) time), so if you’re ever in the area and looking to get outdoors for some real climbing, hit me up. My fee will be the opportunity to pick your brain.

    • The Mad Fientist
      August 2, 2017 at 11:48 am

      Sounds good to me!

  84. Financialu Samurai
    August 2, 2017 at 10:24 am

    Very cool wrap up! Curious to know what made you move to Wenzhou and how was the experience! I used to live in China for six months back in 1997 as a student. I found it amazing in Beijing and Shanghai. But today’s China is very different from the past.

    • The Mad Fientist
      August 2, 2017 at 12:22 pm

      Hey Sam, good to hear from you!

      My wife (then girlfriend) had a 3-month optometry rotation in Wenzhou so I tagged along with her.

      I imagine Beijing and Shanghai were quite different when we visited in 2009 but Wenzhou in 2009 was possibly similar to Shanghai in 1997?

      Look forward to hearing more about your time there at FinCon in Dallas (assuming you’ll be there)

  85. Grace @Gracefully Expat
    August 2, 2017 at 10:57 am

    The post we’ve all been waiting for! I’m a little more than a week away from leaving my 9-5 and moving into self-employment, and hopefully a few longer mini-retirements in the next few years as well. I can’t wait for that first Monday morning that I don’t have to go into the office! Here’s to more freedom, more mental bandwidth, and more exploration!

  86. Dave
    August 2, 2017 at 11:33 am

    Great post, and I’m really enjoying your (recently discovered) web site!

    Do you have any advice for an experienced programmer who wants to create passive income streams? This is the main hurdle between where I currently am and FI. E.g. Is iOS/Android app development worthwhile? Creating freemium software? I’m not sure I have the interest or skills to create my own ad-supported website.

    Ultimately, I’ve been an employee for so long that I’m having problems breaking out of this box. Any insight (or links to articles) would be appreciated.


    • The Mad Fientist
      August 2, 2017 at 12:29 pm

      I’d probably stay away from native app development and focus on web development instead.

      With regards to how I’ve been able to be successful with a couple of side hustles, here’s what I told Steve in the comment above:

      1) Pick something you are really interested in and want to learn more about, create your own site about that topic, do some research to learn more, write about what you learned, interact with others who are interested in the same topic, and repeat the research-write process as much as you can (and also, don’t expect to make any money because it won’t come quick, if it ever comes at all). That’s my Mad Fientist story.

      2) Notice when you say to yourself, “I wish there was a x that did y” and then use your coding skills to make that. I really wanted a good way to find the best credit-card signup bonus for specific airlines but it was always a huge pain in the ass figuring out which points transferred to which airlines and at what ratios. I thought to myself back in 2011, that’d actually be a pretty easy web app to write so I just did it over a couple of weekends. That turned into my card tool that I mentioned in the post.

      • Dave
        August 2, 2017 at 12:45 pm

        Thanks for the quick reply! I’ve always been more of a server-side guy (creating middleware, system-admin tools, realtime data/stream analysis) so might do more of this as an open-source hobby/charity task in retirement. Learning more about (and perhaps writing about) web development could be an interesting, and potentially monetizing, journey.

        I’ll make sure to start tracking my “I wish there was an X that did Y” thoughts. Perhaps I could create a website for people to do that…. :)

  87. saveinvestbecomefree
    August 2, 2017 at 12:48 pm

    Thanks for the nice article! I’m already FI and am comfortable with our numbers but my wife and I are still (belatedly) working through what we want our next life to be, while continuing to work at this point. Your experience is certainly inspiring but it also reinforces that we want to at least have a solid idea of what “fulfilling work” we want to do. When I construct an ideal schedule, I still have about 25-30 hours of “work” I would like to do, in addition to more exercise, family time, etc that I’m excited about. I won’t need the money but I will want to do something that adds value to others. I’m not sure if others have this difficultly but I’m finding it surprisingly hard to figure out what I want to do next, despite having a lot of hobbies and interests. Maybe I have too many. Thanks again for the inspiring post!

  88. Guy
    August 2, 2017 at 8:50 pm

    You removed you ads! What a wonderful gift. Thank you.

    My wife and I spent dinner discussing your new relationship with money. Amazing. Just Amazing. You have found that you have enough.

    Be well.

  89. Mao
    August 3, 2017 at 12:42 am

    This is great and exciting to learn about you life after FI. If I need any motivation, this is really it. I think you listed out basically everything I’d imagine if this were me one day (soon hopefully). I shall be coming back to this post now and then to keep me motivated. Thanks for sharing.

  90. Financial Shaper
    August 3, 2017 at 5:32 am

    Thanks a lot for sharing your experiences after having reached FI! It’s awesomely motivating and inspiring!

  91. Sean Moreland
    August 3, 2017 at 6:32 am

    Imagine if everyone was living without the worries of money. What would the world create?

    You are a true example of goodness in this world. Keep creating your passions and this world will keep getting better.

    Much appreciated,
    Inspired FI follower

  92. Denise
    August 3, 2017 at 8:38 am

    Hopefully, this has not been already covered.

    What if you do not have the financial freedom that you acquired before retiring?
    I ask because I am the typical retiree living off of my Social Security.

    Yes, I would like to have $500 more per month to spend. But that is not the only problem.

    You can get bored. Bored, bored, bored.

    When my working friends say that they cannot wait to retire, I ask them what they will do then. No one has considered that.
    You should think about that.

    I just recently moved to a new city. I am looking forward to:
    joining groups of like interest
    spending more time doing crafty things
    spending more time with going to church
    this still leaves a lot of hours in the day

    So, let me settle into this new city. Then I think that I will try to find a part-time job (money + social interaction) and volunteering

    I cannot stress how much that you do need to find something to ‘schedule’ to help fill in the hours

    You do have things to occupy yourself.
    But there is still downtime

    Everyone should enjoy retirement, just remember that while you worked, 40+ hours of your daily week were busy. So, start with – what do I REALLY do with those 40+ hours now?

    • Susan Lee
      August 7, 2017 at 12:54 pm

      Too bad you are not having the fun you expected. I don’t know how I ever had the time to work. Retirement is so filled with new things to do. Fun, challenging, or simply contributing your existing skills by volunteering. Every community has plenty of needs. Rotary in my town is busy busy busy. If you have a Habitat for Humanity affiliate in your town or nearby, I can assure you they need help not only hammering nails but also on the more administrative stuff and fundraising, and Board of Directors and Family Selection and Support. Do what you like: athletics, artistic, intellectual, musical. Truly, there is no need to be bored. Good Luck

  93. wilk
    August 3, 2017 at 8:56 am

    I have just read your article with a great interests.
    It just makes me realise that usual US person’s life is so miserable. It looks like all your, American people, life is all about the money. And then, when you stop that slavish life, you discover that there is something more than that.
    I don’t live in US, and the life, that you described is more or less my normal, daily life. What makes my life so satisfied is just having a job that I like. And it is all about it. Done. Nothing more. As you have noticed – people don’t need much. Car is used to move you from place to place, it doesn’t have to be a 50k worth new car.
    So people doesn’t have to sacrifice their life, saving money for years, for the sake of having early retirement (especially that usually people devotes years, where they are still young – so usually good years!).
    Nowadays if you do a kind of a project job (it becomes more and more common), most employers are flexible enough to give you a free holiday, if you need, between one and other project; so you can compromise your daily life, travel need, your hobbies and passions, having family at the same time. It is doable.
    Of course then it doesn’t appeal to be thrilling anymore.. but it is easier.
    Best wishes.

    • Nancy
      August 22, 2017 at 2:50 pm

      I don’t think that the majority of Americans working are miserable with their jobs. I spent 30 years teaching elementary and middle school and enjoyed it very much. I would have even enjoyed it better without all the government bureaucracy that teachers have to contend with today. Now I use those same skills with mentoring programs and as a reading volunteer with a nonprofit. I think Americans tend to come from independent stock that enjoys Doing It Yourself, owning their own businesses, and being innovative.

  94. Jim Graham
    August 3, 2017 at 9:53 am

    What an exciting article! I am approaching FI and have been apprehensive about the future. Listening to your experience makes me hope to have similar discoveries when I make the leap. Most of my worries stem from unknown future costs of health care. I expect to get healthier after FI just as you have described, perhaps that will reduce that stress-er to some extent. Thank you for writing and sharing your experiences! You have increased my quality of life.

  95. Ski-matic
    August 3, 2017 at 5:03 pm

    > If you’re not free yet, what do you think you’ll do once you pull the plug on work? What will get you out of bed in the morning?

    My plan is to do my hobbies, which I really enjoy, and try to bring in a small income from them. I play music, which can bring in some money. Also, I’m planning to do Hang gliding instruction. I bet you don’t hear that very often. If you ever want to try hang gliding, get in touch with me ;)

  96. Em
    August 3, 2017 at 5:12 pm

    Really good article to share. I have actually been in this limbo/shock position myself for over a week, a little over 1 week ago because I’ve finally raised enough money to start my business, and that as you said, had also become a concept in my mind and it’s really weird now that I’ve actually got there! I have to keep telling myself what I’m doing, that the work has been done and it was actually difficult for me to mentally be present in starting new goals whilst being in that shock mode. It’s good to hear about it from someone who is clearly more literate on the topic than myself! I can only imagine that would be heightened if you have retired! Good on you for doing it and not feeling the need to keep up with the jones’s, good to hear that such people actually exist in society!

  97. Amy
    August 3, 2017 at 6:11 pm

    Thank you for this article. My husband and I are leaving in February 2018 and are very excited. After working full-time since I turned 18 (now 54), I’m ready to explore more of my passions and interests. It can feel scary but I’m not adverse to ever working again – if I choose to. I look forward to not feel that low level stress which comes with knowing all the work which waits for me at the office — with never “catching up.” Thanks for the inspiration! I know we are doing the right thing!

  98. LazySod
    August 3, 2017 at 8:19 pm

    thanks a lot for posting this. i am about 2 years to reach FIRE but at the same time these days i am worried about getting fired. that would mean some delay but inevitably i will get there. i fully agree one needs concrete projects to work on after FI. i myself dont have that clear yet, i only know that whatever i decide to do should if possible generate some income, because it’s very important to boost your portfolio performance during the first 10 years.
    another issue i have is that i dont know what to say to relatives and friends. it’s such an unusual idea to stop the 9-5 thing, people cant grasp that. they will probably think i won the lottery and became a billionaire but that’s far from the truth. you know, it’s not that you can buy anything, you can buy anything you NEED to make u happy.
    keep posting, i am looking to hear your take on the draw down strategy. cheers !

  99. wishicouldsurf
    August 4, 2017 at 11:07 am

    Very cool reflections, Brandon. I just RE’d myself. The date was 6/30 but I had a deal spillover so I still was slightly tethered to the computer/phone until 7/26 so I still felt that mental stress and it feels like I’m less than a fortnight into this whole thing. This week has been interesting and I’ve been less productive than I hoped but I spent 4 hours in the ocean yesterday pushing kids into waves on surfboards and I can’t remember the last time I did something like that. The best part it was mostly unplanned reconnecting with an old and dear friend who was here in SoCal. I think that timing my departure for when my kiddo was out of school was a good plan as it gave me a “project” without thinking too much. It will be interesting to see how things change over the next several months… I am also focusing on my health and fitness but haven’t settled into a routine just yet though I mapped out some parameters. I’m trying to be less goal oriented, slow down some and be present rather than future focused.

  100. Lily
    August 4, 2017 at 12:18 pm

    Great post. We are in our first year of FI and still figuring it out. I had a little freak out this month, I think it was because I had to renew all my nursing licenses and certifications. I read this 3 times and it helped me to refocus on why I wanted to leave my full time Medical Director position.

  101. aGoodLifeMD
    August 6, 2017 at 6:11 pm

    I am terrified of “the morning after”, and I will probably react a lot like you. It’s nice to see you worked through it and let the year develop on it’s own.

  102. Mrs.Wow
    August 6, 2017 at 10:59 pm

    Wow, just wow! What an inspirational and thought-provoking post. Sounds like it was a big processing/learning year for you. Thank you for sharing your experiences, it is especially helpful for those of us who are not FIRE’d yet. I can’t wait to pick your brain even more at the first week of Chautauqua in Ecuador. So excited!

  103. Dave
    August 7, 2017 at 12:05 am

    I don’t have the same motivations as you. I became financially independent a few years ago in my mid 30s as well. Then about a year ago the company I built from zero was taken over in a hostile take over type situation and since then I am really struggling to find purpose. Yeah, I got money – they had to pay me a pile more cash to get out of their way. I can do whatever I want, I don’t have to work any more. But I want to. I want to do something that means something to people. Something that is my own and not a McDonald’s franchise or some such. I liked being part of the legitimate economy. Anyhow money isn’t everything, to use a cliche.

  104. Rosa Maria Ochoa Alorda
    August 7, 2017 at 2:15 am

    Wooowwww! !!!
    How nice it might be to feel the way you do now. I am 58 years old and have to start from zero. My exhusband took everything and left me only with debts and my 2 hands. How nice must be to have your freedom at your age.
    I admire you must.
    Wish me luck to be able to cope with all my troubles and send to me your best wishes because are full of magic after what you have acomplished.
    I deeply admire you.

  105. Franca
    August 7, 2017 at 6:31 am

    I worked in London for 20 years for a very glamorous and famous international company, until I got tired and I wanted to do something more fulfilling. I live now in Arsuha, Tanzania where I am dedicating my time to poor children and I want to build a children centre to teach them sports and extra activities. If you have extra money and don’t know what to do with it you are are more than welcome to come to Tanzania and sponsor this project. It will do you good and you will be helping lots of children who have no possibilities to improve their lives.

  106. Al2decho
    August 7, 2017 at 9:56 am

    Great post, when is the event in Ecuador? Presently 67 and still working more out of “love” than anything else. The biggest message I have received from you is to “divest” of the consumption philosophy and “simplify” our lives as much as possible. We plan to do just that in the next 24 months. How did you all end up picking Scotland after all of your troubles? Keep on with all the writing. It is motivating. More to follow. Thanks, AD

  107. Susan Lee
    August 7, 2017 at 9:59 am

    Good Morning, I just found you on my Google Play newsstand and read with great interest your piece on 1st year of early retirement. I was able to “pull the plug” on full time work early too. age 49. I did not feel the withdrawal symptoms that you did even though I’d worked many more years. My last job was very time consuming and stressful, and I was really wanting to keep it for the intellectual and professional rewards, but I was becoming more and more unwilling to put in the time it required. I would gladly have traded 1/2 salary for 1/2 time, but that was not an option. I was able to line up a consulting gig to assuage my fear of going without paycheck, and quit my job. I was shocked at how quickly I realized I would not go back. No consulting, no nothing. My time was my own, and there were lots of things I’d always wanted to do.

    Which brings me to my question: what kind of charitable work do you do? what are your favored non-profits? Have you set up a Foundation? Do you give back to the people/organizations that helped you along the way? I don’t want to be negative, but you article sounded great, and being self centered in that first year is totally understandable. For the long term, though, if you have more money than you know what to do with, it might make you happier to find a good use for it. Heavens knows there if plenty of need and plenty of good work being done. My personal charities include my alma mater (I pure and simply would not be where I am today without that college degree.) Habitat for Humanity International and my local affiliate where I have volunteered my time since 2000. the thing about HFH is the financial model which is sustainable, and builds on itself to serve more families in need of decent affordable housing. The no interest or profit mortgage payments the partner families pay goes back to the organization in order to help fund the next project. and so on and so on.

    So I’ve been thinking about how to use that model for interest free college loans to graduates to help them get out from under the egregious interest situation in today’s college loan programs, either gov’t or private. You mentioned in your goals to help people manage their money, and I feel that way too. I have made a quick inquiry to my college, and it was not fruitful. Do you have any ideas, contacts, or interest in putting some of your xs income to work this way? Thanks for your ideas…..

  108. EL
    August 7, 2017 at 12:37 pm

    The first year post was a very truthful assessment of the FI Life. It goes to show that if you focus you can do anything. So much is lost today in distractions, that I feel at times the cell phone is not as good as people think. I love the gym and it will be 1 of my FI activities in 9 years when I reach my goal.

  109. Susan Lee
    August 7, 2017 at 12:43 pm

    ps. I was able to retire early because of several things: 1. I followed my father’s advice ” to get a good job, get a good education.”
    2.I lived within my means. eg. when realtors tried to up-sell me on houses, I only bought what I needed. Still had room in my budget for repairs and trips.
    3. I was lucky enough to have experienced the stock market crash in 1981 (if I recall correctly), I held my ground, and was back to where I started within 18 months. I lived through the 1980’s and my portfolio gained a lot during that time. Because of that I did not panic in 2009, and I won’t when a crash happens again. I believe it will be soon.
    4. I never married (til age 48) never had kids. Obviously simpler, cheaper way to live. I did not have a divorce, which hurt many of my friends badly, both emotionally and financially.
    5. When I did marry, my husband had a pension and health insurance for me. I only had to take $$ out of my assets if our spending was more than his pension.

  110. weenie
    August 7, 2017 at 5:53 pm

    Thank you very much for sharing your experiences.

    When I was laid off work at the end of last year, the first couple of months while I wasn’t working were almost like ‘practice’ for when I would be retired – I really enjoyed my free time, I had a long holiday, I had lots of time to do things I enjoyed which didn’t cost a lot, although money wasn’t an issue as I had a decent severance package. I don’t tend to get bored easily as there’s always something of interest that I’ll find that will take up my time!

    I’ve always had more interests and hobbies than I have time for so come actual retirement, I can either resurrect old hobbies or start up new. The idea of a ‘project’ is appealing and interesting but I’m not sure what form that would take right now and it would have to be something that doesn’t resemble work at all!

    I’ve always maintained a good level of fitness so that’s likely to continue when I’m no longer working. Although I do cook, I might even learn to cook more!

    I’m glad you highlighted that full-time travel isn’t for everyone. I recall the first time that I travelled for work and it was so cool and exciting, living in hotels and dining out all the time. Very soon, all that living in hotels and dining out gets tedious and I just wanted to stay at home and eat some plain old home cooking! I can see me staying put at home but going away on a few trips – after all, I still want to feel that I have ‘holidays’ to look forward to!

  111. Dan
    August 7, 2017 at 11:31 pm

    Nice article. I got FI early, 27. Travelled the world for 2.5 years straight, at it again for another year (because can’t find anything better to do). Here’s the thing… Motivation and purpose beyond money is one of the most difficult things to find in life. Most people never get to truly face the pure question of lifes essence, “what is your purpose in this world?”. People are generally distracted by normal life till death and find sollace in the 9-5 because it is simply what must be done to survive in this world. I have basically had 5 years since FI to purely think about life, which includes experiencing amazing things and exploring the worlds farthest reaching ideas, including all major spiritual paths and devoting life to charitable ideas (cliche purpose finder)… and i realised one thing, you have 3 choices in the end:
    1. Go back to mundane existence and re-brainwash yourself to accept “normal life” and choose ignorance because the hunt for meaning is too difficult. Ignorance is bliss.
    2. Realise true freedom is internal and at its deepest point leads you to a path of spiritual awakening and realising your true essence (possibly even more difficult that going back to ignorance).
    3. Continue the spiral of trying to find meaning in worldly endeavours by starting a family (gods gift to those who can’t find purpose via other avenues). I think this is a valid course to follow to remain in the safety zone but feel more contented with existence as it is a higher level focus, love.

    It sounds dark, but i’m actually quite happy. Realising our worldly endeavour has no purpose is a step to finding the true essence of human experience. Its ultimately beautiful, but the hardest path any person can take. If you want easy life, go back to 9-5 and let the system think for you. Unfortunately, once you break out of the lie, its hard to get back in, i have tried in attempts to escape the real questions, travelling is my new escape :)

  112. jon
    August 8, 2017 at 1:30 pm

    i just put this on your itunes but i wanted to post here too. i’ve been meaning to comment for so long. first, a great big thank you. what you have uncovered and teach, and the clarity you present it with is literally life altering. (i know how you feel about using literally so i really thought it through, haha) also, thank you for letting your interviewees do the talking and staying the hell out of the way. some of those other podcasts out there… yikes.

    as for this post, i’m 42 and i chose semi retirement last month. i currently work 2 days a week and i am dealing with the motivation situation the “what do i do now?” of it all. i wonder how much FI exposes who we really are? been a humbling and maybe a little scary period. work and family life at their best are extremely rewarding but can also be complete and widely accepted places to hide. i expect that in the next decade we will have some great FI’ers writing about this disorientation you’re talking about. i hope you’re one of them. i think this movement could really be a huge area of growth in sociology too – the effects of true, early, and widespread independence for the first time in history. the first FI classes in college won’t be under finance but psychology and sociology.

    anyway, for my money, you, mmm, and jl are the mount rushmore of FI and it’s not even close. thanks again man.

    • Dan
      August 17, 2017 at 10:22 am

      Very wise words. Nail on the head.

  113. Alli
    August 8, 2017 at 4:21 pm

    Hello! You really are my hero :-). You and I are one year apart and I aspire to be where you where are when I am 45-50. I worked IT for the past ten years (sales) but unlike you I had no clear goal with the money I earned. I spent it on a “normal” life, clothing, decorations, eating out, way too many weekend excursions, etc. I grew up very very poor so I felt because I owned a house and a car that I was very rich, I didn’t think about trading my life in slavery and what that meant to my happiness. When I become pregnant three years ago I started to look at money in a whole new light. I took two years and became an extreme couponer (the store would PAY ME to leave with hundreds of dollars worth of goods). This was great for a time but then it lead to an ever growing need to acquire more and more. I was never satisfied. My husband and I knew life wasn’t what it should be, making $110,000 a year plus and struggling at the end of the month didn’t seem right. We took a financial class offered by a local insurance company and they recommended we pay off all debt and start saving for retirement beyond the paltry amount we were doing. After that my heart was on fire. I read every single source of information I could get my hands on. I found MMM first, then your podcast. I listened to ever single interview you had and I felt like I had stumbled upon a great gift. Your exceptional content and the way you craft each post with such thought really appeals to me, since I make very slow choices and ponder for a very long time myself. My husband and I have spent the last year paying off $43,000 in student loans, car loans, etc. We still have about $52,000 in student loans so FI is quite a far off dream but everyone starts somewhere, I remind myself. Anyways all of that rambling is to say I am very grateful for your content and I hope you never stop growing your amazing website. You have helped me become fully content with all I have and helped me know buying things is not the way to true happiness.

  114. Justin Deschamps
    August 8, 2017 at 6:26 pm

    Great Article. Money isn’t a real motivator, not in a meaningful way anyway, as you’ve discovered. Self-sacrifice for a good cause is, however. And the psychology demonstrates this. I’ve been studying the effects of extrinsic motivation on society for a long time. It’s clear that life purpose is the real alchemical gold to motivation. But it takes a lot of inner-work to realize a goal you can really get behind that also stands the test of time.

    Might I suggest this article I wrote, inspired by Dr. Jordan B Peterson, who discusses this extensively?

    The Importance of Life Purpose | Knowledge, Care and Responsibility Are the Foundation of a Meaningful Life

    While religion is hardly perfect, and I’m certainly not preaching anything, what they do have going for them is contextualization of cosmic insight with earthly living. The more evolved spiritual philosophies offer a lot to think about insofar as why a life dedicated to altruism and service is beneficial at an individual level. Ironically, the more we sacrifice our limited self-serving desires for more altruistic ones, the more meaningful life becomes. I’ve experienced this myself when I left my job back in 2013 to focus on helping others through many different projects, one being the website I manage.

    I’d love to interview you at some point for my podcast.

    Happy motivation hunting, and thumbs up for taking this leap into the abyss. No doubt you’ll find the gold after taming your dragon soon enough.

  115. Greg @ The Risk Runner
    August 8, 2017 at 9:30 pm

    Hey man, thanks for sharing your experience. I really enjoy following along. I hope to be FI soon thanks to the good advice on these blogs and like hearing more details about that transition to a non-work centered life.

  116. robertw
    August 9, 2017 at 1:50 am

    Great post, I’m reading this while sitting at work, dreaming of my FIRE state way into the future

  117. Done by Forty
    August 9, 2017 at 4:30 pm

    I’m definitely bookmarking this post for future use.

    I think far more about the life I want to lead post FI than the remaining years to get there, or how to shorten them. At this point, most of the questions I have are about creating more happiness for that future existence. So it’s pretty awesome to have these sort of case studies from people who have already done it, as there are a lot more of us on the path than at the top of the mountain, so to speak.

    Also, great getting to hang out a bit in Scotland! Next time, you have to have a beer WITH me. :)

  118. Jess
    August 9, 2017 at 11:13 pm

    I’m really surprised you’re trying to find a direction now. Maybe you could Pay it Forward. Mentor startups for free so that others can become financially secure as well – see how many other people you can get to retire in their 30s!

    If I had a trust fund, I would work in 2 areas:
    – The beautification of community areas
    – Animal care

  119. mick
    August 10, 2017 at 12:41 am

    Time to re-enter the market with helping hands.

  120. Scott
    August 10, 2017 at 4:27 am

    Hi There,

    Great blog/post and congratulations on achieving everything you have – i know it not to be luck but hard work.

    Just throwing an idea out there – would you consider being involved with a venture capital fund (start up)?


  121. MS
    August 10, 2017 at 1:15 pm

    With almost the same retirement date (June 8 2016 for me) and similar retirement age (42 for me), I started by devoting a lot of time to accruing miles and points and planning cheap and exciting travel. I then added weekly volunteering shifts, counseling disadvantaged women in my city on finding jobs to get their families out of poverty by helping them improve resumes and interview skills (I was a hiring manager in my previous job). Then I added working for our city’s NFL and MLB teams on gamedays to get out of the house regularly, to meet happy people, and to see games for free.

    Of the above, I strongly recommend volunteering. When FI, you get to stop putting your energy and skills toward helping corporations make more money, and can start putting those energy and skills to improving the world around you. It feels great!

  122. Emma
    August 11, 2017 at 2:49 am

    Dear Brandon, don’t force yourself to discover your new motivation after FI. Your body may be more relaxed now, but your inner self needs more time to absorb the new paradigm. Apparently your subconscious part still creates “what if” scenarios and uncertainty, don’t fight them, let them get tired and cease by themselves. In meantime let your new life lead you and enjoy every step in the journey. Don’t turn every stone to find your new motivation, its tiring. Your new motivation will find you and you will be surprised. Just give it a time.

  123. Mr FOB
    August 12, 2017 at 6:02 am

    Getting closer and closer to FIRE, I am tempted to make the jump rather sooner than later based on your experience. Thanks for sharing.

    I am already semi retired in the sense that I work part time. Relatively easy to arrange overhere in The Netherlands I must add. Best career move ever so far.

  124. Roxanna
    August 14, 2017 at 6:16 am

    Timely post! At 49, I put in my notice on Friday (gulp). Although I had been working towards it, it was a bit impulsive. We are mostly FI but hubby will continue to work for a few more years as he just received a long hoped for promotion and raise.
    I definitely understand the freak out stage. I’m now free to persue what I want but I’m not sure which way to turn. I’m trying to find a group of like minded people or life coach to bounce ideas off. My regular friends only advice is to become a real estate agent as I am a sfh investor. They don’t understand that investing and selling are two very different things. They also don’t quite get it when I say I don’t have to work, not because of hubby’s job but because our lifestyle cost is so below theirs and we are investors (I don’t put it like that).
    Any advice from anyone is welcome. Until then I’m going to walk around in my new, sweet MadFIentest t-shirt and hope to run into someone who recognises

  125. August 14, 2017 at 4:53 pm

    Hi Mad Fientist,

    First and foremost, congratulations on achieving FI! I agree that achieving financial independence shouldn’t be a rat race and you should focus on maxing out your happiness. Its pretty interesting how your mindset shifts throughout the post working life.

  126. Raman K
    August 14, 2017 at 8:32 pm

    Hello Brandon,
    Very informative post! I have been reading your blog for a while now. I have listened to most of your podcast interviews on YouTube. I think they are awesome! Your blog really stands out and the really cool aspect that I am in love with is the travel hacking credit card selector tool. Whenever I have some free time, I tune in to your podcasts or read stuff off of your blog. I really appreciate all the useful information you have compiled for the FI community.

    I am a newbie getting started on my journey to FI and I hope to learn a lot on this quest.

  127. Chris
    August 15, 2017 at 2:03 pm

    Thank you for the well done insight into what fi feels like. I have spent too much time fantasizing about what it may feel like once I started on this journey but as I have plenty of time before I get there I have learned to do a better job living in the moment and not in the future so much. As to what I think ill spend my time doing…I don’t think I will be able to sit still so volunteering my time is something I foresee doing and I like my work so I plan on continuing on a per diem basis even after I hit my mark. But again as you point out that may all change. Thanks again.

  128. kyle
    August 17, 2017 at 3:01 pm

    I am going to bookmark this post and re-read it every 3 months as I am nearing ER (in fact I have already exceeded my FI number but am struggling with making the break). Excellent insights and great things for me to really chew on here. Thanks for taking the time and energy to write such quality posts!

  129. Dan
    August 21, 2017 at 2:12 pm

    FIRE is essentially the pursuit of happiness. Despite the adage, it’s easier to be happy when you have more money. Money doesn’t buy happiness but a) it makes it easier to achieve it and b) the lack of money almost always causes stress. However, the definition of happiness during retirement seems to be surprisingly homogeneous among FIRE bloggers – extensive travel, build a side business by doing something you love, help others achieve FIRE (mainly by blogging about it or providing tools/advice) and maybe a few other hallmarks I am missing.

    I’m glad you gave voice to the “silent majority.” I think it is weird how so many FIRE bloggers want to or engage in permanent or extended travel. I find the thought of travelling to that extent less than appealing. However, it seems like there is a lot of “group think” going on. Someone says or writes it’s a great thing to travel around SE Asia for 5 weeks and everyone jumps on and says it’s always been their dream. Really? Visiting 3rd world counties infamous for sex trafficking has always been your dream? To each his own but I find the prevalence of that aspiration to be a) suspicious or b) indicative of a certain type of person writing FIRE blogs. In other words, the type of person that wants to travel around the world in large time increments is the type of person who starts a FIRE blog which is not indicative of the FIRE community at large or society in general. When you are working full-time, travelling is a valued change of pace. I know myself well enough to know that more than two weeks on the road is enough for me.

    Also part of the New Gospels of FIRE is the necessity of a side business. I will point out that if you are working on a side gig, you are not truly retired but perhaps I am quibbling over semantics. In the old days, retirees took up or expanded their interest in a hobby or hobbies – stamp collecting, woodworking, fishing, travelling, painting, etc. It was typically a money sink and retirees had to guard against spending too much on their hobby. The hobby was crucial to a happy retirement though. Essentially, you are saying the same thing except you have monetized your hobby and recommend everyone do so.

  130. Jason Dupont
    August 21, 2017 at 6:58 pm

    I wish I could do what you did. I have more than enough money to retire and I tried it in my early 40’s. I lasted about 6 months. I have to be working, I am just wired that way. I have been self employed for over 20 years so I think that makes a difference in my case. To me everyday feels like retirement since I can basically do anything I want to minus going on a 3+ month vacation. Also work keeps me engaged. Maybe I need to find a hobby that stimulates me like my work does but I have yet to find it. Maybe one day.

  131. Chris @ Keep Thrifty
    August 22, 2017 at 10:35 pm

    I’m now 6 weeks into a one-year mini-retirement and I can relate to at least some of what’s here. My equivalent of your first morning freak-out was a bit delayed and a bit more lasting – I had about a week of panic and my wife had to keep reminding me that we knew our numbers before going into this and that we’ve got everything covered.

    I’m past it though and I can say that a mini-retirement is a great way to get a strong taste for early retirement before you get there so you can know what to plan for and how to be even happier once you get there.

    Thanks for sharing everything you went through – definitely a motivating post!

  132. The Side Gig Guru
    August 24, 2017 at 10:05 am

    I’m also finding my way in a non-traditional career (a collection of side gigs and hustles) after an accident. Thanks for the post!

  133. meinkleinesdepot
    August 31, 2017 at 7:10 am

    Great article that displays a very differentianed point of view! Your blog was an inspiration to start my own =)

  134. Just Me
    September 8, 2017 at 8:48 am

    Thank you so much for sharing this with us in this post. I’m from Brazil, I’m 22 years old and this is was the text I needed to read right now. I wish you to be a lot more happier than ever. Warm Regards

  135. Vishal
    September 18, 2017 at 8:00 pm

    Hello Mr. Mad F

    I am an avid reader of FI blogs. I am looking for a resource which points me to one of the best places in the US to retire from tax and cost of living perspective. To be specific, I would prefer to pay minimum state taxes on my retirement withdrawals and also minimal property taxes. Of course, cost of living has to be in check as well. What I don’t mind is sales tax because we are a low consumption household. Can you point me to a blog/article from the FI community which talks about this?

    I understand that during retirement, I can convert a small portion of Pretax money in 401K/IRA to Roth each year and that will prevent overall taxation but I am looking for more US state specific information instead of the taxation hacks which I am already aware of.


    • Nevada Smith
      September 19, 2017 at 11:39 am

      Hey Vishal,

      I know you presented your question to Mr. Mad Fientist, but, I want to help. I am from Florida, which there is no state tax. Unlike the large cities like Miami…property taxes & property insurance are low in smaller towns like Gainesville. It has the University so still lots of cafes, restaurants etc. Cold, natural springs are great bathing spots. I also visited Tulsa, Oklahoma for vacation & it was affordable. Hope this helps.

      All the best,

    • Aaron
      November 11, 2017 at 8:43 pm

      Great question. I would also like some more info on this…maybe we can dig into it together an report back?

  136. Myfinancekits
    September 21, 2017 at 4:06 pm

    Freedom is sweet but not everybody prepares to pay the cost. Freedom is not free in actual sense. There will be costs to pay in order to make it happen. Thanks for your post.

  137. Todd Weitzman
    September 27, 2017 at 3:29 pm

    Great job! I feel like freedom is still work, but doing what you know and can control. Remote Work seems like a great place to start.

  138. bound2explore
    September 27, 2017 at 3:41 pm

    I really enjoy reading your post. Hope to follow your foot step soon enough. I like the idea of finding the side business before quitting the job. Having a sense of purpose is very important.

  139. DNN
    October 2, 2017 at 1:22 pm

    Congratulations on finding that newfound freedom. I know how the feeling is of taking control of your life entrepreneurially. :-)

  140. Sarah
    October 7, 2017 at 5:00 am

    I’m no where near close to FI/RE but I’m working on it. However I am worried about what to do when I do stop working. I need a hobby but I can’t find anything that interests me enough to stick with it for longer than a month & I certainly don’t want something that will cost a lot of money to do either.
    A great post though and it makes me want to work harder to get closer to FI/RE. It’s good to see you enjoying it. From what I’ve read, a lot of people take at least 6 months to really get used to the not working part.

  141. Bernz JP
    October 10, 2017 at 9:30 am

    Congrats to your new found freedom and you’re right it is FREEDOM. I quit my job 10 years ago and never regretted it. It was tough in the first two months. No more clock rings and getting ready for work, the first two months were probably my laziest months.My brain was confused at times. I basically was not doing anything until it finally sinks in that I was not on vacation. This is the real thing. It was a breeze after that.

  142. Michael
    October 12, 2017 at 6:21 am

    Well that sounds grand! I have achieved the FI part bur haven’t Retired Early :) … China is a beautiful country … lots of history ………… have lived there too…. but farther north. I find teaching can also take you anywhere … God Bless

  143. Dori Kirchmair
    October 13, 2017 at 6:40 am

    Hi Brandon,
    Just came across WEFORUM post on facebook and thought I send you a link to my TEDx talk on ‘Resonance’ on youtube – perhaps useful?

    Best wishes,

  144. Joey
    October 28, 2017 at 8:52 am

    This is a beautiful post. I’m so happy you’ve achieved what you dreamed about, and found it even better than you hoped. It’s so motivating.
    I’ve got between 5-10 years to go before I can leave the full-time rat race, but this has only inspired me to keep going.
    Thank you.

  145. Eric
    November 18, 2017 at 12:53 am

    Very happy for you mate! I am not quite at the point you are but it is nice to know others like my self-have got there. This inspires me to keep pushing for my freedom dream!


  146. Mary Ann
    November 22, 2017 at 11:27 am

    Congrats on your first FI year. I just found you after reading way too many blogs and articles. I’ve never left a comment but feel that I must in your case. THANK YOU for the lack of ads. Without the endless and awkward visual interruptions, reading was much easier and smooth “like silk”! Can’t wait to dive in and see what else you have to offer. Me and hubby are 6-9 months away from our own great escape at 56 years young.

  147. Johnny
    November 29, 2017 at 2:20 pm

    I’m not sure where to post this, but today I was playing with the FI calculator and whenever I would increase my withdraw rate it reduces my FI date.

  148. Treller
    December 4, 2017 at 7:43 am

    Fabulous insight and lessons learnt. We are two years from FI (if we stay in NorCal, we are FI now if we move).
    I have been struggling a little as to what we will do, we have 3 children under 6 so we are considering moving to a lower cost State or Country and homeschooling the kids. Your post gave me a pause for thought before pulling the trigger on that, we will still do it (or some other version of it) but will explore it further before we put all our chips in a significant change.

  149. Greg
    December 6, 2017 at 10:22 am

    This article was amazingly helpful for me as someone 3 years or so away from FI, but what was even MORE helpful was this discussion on AffordAnything around the psychology of FI:

    If it ever interests you, I’m VERY interested in the various psychological, day-to-day things. For example, art from a position of FI, beating one’s self up over too many cat videos, etc. =)

  150. Nick Barker
    December 19, 2017 at 2:17 pm

    Thanks for sharing this. I love how you waited and went over the whole year. This is definitely motivating!

  151. Dom
    December 31, 2017 at 6:24 am

    I think FI could allow more of a shift towards charity and giving rather than the selfish drive we all feel for money when we are in the rat race? For example the advertising income you sacrificed could actually of been given to charities, so it still had a potentially huge value to others? Also the free time you achieve with FI also has a possible value to others, being able to work and give time for “free” could allow you to volunteer and assist in local community projects, food banks, etc

    I’m being idealist when I say these things, and not judging as I’m sure you do plenty for others (this site being one example) and also for charity, I’d like to think I’d be more charitable after reaching FI but I also think I could be more charitable than I am now regardless of financial status?

    I notice a lot of FI websites and blogs focusing on freedom and happiness and travel and minimalism, and erasing the power of and need for money, however he fact still remains that money can still do so much good if used properly

    Here’s to being more charitable in the new year

    Happy new year everyone!

    • LawyerOnFire
      February 25, 2019 at 1:00 pm

      Your comment really hit home. One thing I definitely want to do once I’m FI is donate more money and time, and give money to help out various situations involving my family. I love volunteering at a food bank and will probably keep doing it when I’m FI. I’d also love to volunteer at a local library to teach children to read. On a personal front, I worry about the future of my husband’s 3-year old nephew because his parents are financially irresponsible. My husband and I have agreed that if needed, we will pay for his university when the time comes. I also want to help out my parents and siblings if needed once they’re no longer in good health – paying for a personal support worker, helping drive them around and run errands, round-the-clock care, etc.

  152. Nativeshores
    January 15, 2018 at 9:01 pm

    My greatest desire for after I reach FI is personal care. While I do work towards caring for my mind and body now, I struggle with chronic back pain, migraines, and anxiety that can be disabling. Focusing on my health and wellness, and maintaining mobility and strength would be my primary focus. I hope that once I reach FI, and the stress from my routine and work schedule becomes a thing of the past, I will be able to return to other things I love that motivate me: academia and travel. There is no way I could sit/stand on a long flight or in a classroom now, but my dream is that once I can dedicate my full time to wellness, I will be able to participate in the things I love again.

  153. Henriette Robusto
    April 4, 2018 at 1:44 am

    I don’t mind single leg curls, especially if the machine allows you to stand rather than lay down, but I don’t use them every week. It’s more of a finishing movement for me at the end of a hamstring workout that I use maybe twice a month.

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