Minimum Wage Ninja

During the rare occasion when I'm exercising the muscles built while exercising continue to burn fat even after I'm done.   The dividends just keep rolling into my bank account. And when I'm lonely the people who I've loved will seek me out first. What I'm trying to say is that you need to build your slippery slope upwards.   Everyone of us screws up and falls.  Its great to know that even though I get terminated from my job there will be no rock bottom because my investments will keep pushing me back up.

For over three years my lover and I haven't seen eye to eye on this financial independence thing. We're pretty much compatible with nearly everything else. It hurts, but I've used the extra oomph from focusing on my new year's resolutions to remove my SO from the equation. You see there is this thing called the Seinfeld method. Basically I choose which resolutions I wanted to do for the year.  Then I got a calendar and put an X on every day that I do the resolutions. Can't let anyone get in the way of that X. Not even my closest.

I'm guilty of falling into the trap of thinking that people can retire early.  That simply isn't true. Retirement happens when you've earned enough passive income to cover your expenses.  Age has nothing to do with it.  You are now working because you want to, not because you have to. There is nothing early about retirement. This was on my mind due to the recent article that claims because people are living to be over 100 years old, it should be law to push back the retirement age to 70. It is insanity to think that people want to spend their longer lives on working for the man.  Its like they just don't understand what motivates people to live longer lives at all. Here is the reality and I'll say it again, retirement happens when you earn it.  Some earn it as a teenager by being a trust fund baby.  Some earn it in their 20's or 30's.  Some in their 60's.  But don't let anyone take that away from you.  There is no way that I am work...

My mother always said that I needed to go to college to get a good paying job.  My father said that he wouldn't give me a dime to go to college. It was the next mandatory task that I was supposed to do.  I had a meeting with my guidance counselor and the dean of admissions of an in state private school.  They promised me that if I went to their college and graduated that I would be able to get out of poverty.  That just by graduating the college would give me a good paying job in my chosen career field.  And due to my many scholarships, including a full ride, the college costs would be covered. But it was a lie.  The college took my scholarship money and never applied it to me.  The college didn't teach me what I wanted to learn.  The college never gave me a job.  All the college does for me is to call me up and ask for donations.  That is reality. They are there to make a profit off of you, because they think young people without ...

If you give a man a fish then he will eat for a day, however if you teach a man to fish then he will eat for a lifetime. The only problem is, I really don't want to eat fish anymore. I was taught to get a good paying job, and then the authorities and leaders in my life would look after my interests.  But what really happened? The supermarkets are full of poison. Education never once taught how to manage money, or how to have a healthy diet. Work grants you a forty cent raise. Till death do us part ends with high divorce rates, and leads to a fifty percent loss (or more) of capital. Your fishes are all toxic! Yet there are good things out there. The standard of living is high. The luxuries like water and electricity are nice. You have the right to speak out against the government and not worry about dying. So if all these good fish are out there, then why are all the fish that I'm being given toxic? It is because you cannot trust your authorities.  They ar...

The other day I was told that I should invest money into VTSAX. It was a well intended suggestion, so I decided to look into it. As of today, according to Morningstar, VTSAX is an index fund that owns over 3500 positions in stocks. Holy crap! If I can't even value one company and pay fair value for it, how do they expect me to know and value a basket of over 3500 of them?  This is insanity.  This is stay up all night worrying insanity. Thank you Coca Cola for being so simple. Before you tell me Coca Cola is not so simple, that's exactly my point!  If you can't agree that a company like coke is simple to value then how can anyone value and obtain a fair price for over 3500 of them? Disclaimer:  I don't own VTSAX as of this writing.  I do own KO.

One day the Grim Reaper is coming for you.  He will retire you, and your job.  There is no escaping his career ending aspirations. Your job is to cheat Death. Time is money.  Every dollar saved towards early retirement is additional time spent doing whatever it is that you want to do. Here is a fun way to think about it.  Standard retirement age is 60.   If you save ten days worth of expenses, then you will be able to retire ten days earlier than 60.  If you save ten years worth of expenses, then you will be able to retire at 50, and so on. Just keep pushing forward your retirement date until it catches up with your age.  Then you are financially independent. Just like death, do it quickly.