Mr. 1500
@retirein1500
Followers
20,408
Following
92
Media
2,385
Statuses
12,977
Worked hard - avoided consumerism - invested wisely - retired in~1500 days at the age 43! Buy a Tesla: (get some free stuff!)
Joined November 2012
Don't wanna be here?
Send us removal request.
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Anyone have this conversation with a bank?
𝗠𝗲: I want a mortgage.
𝗕𝗮𝗻𝗸: The best thing is if you have two W2 check stubs.
𝗠𝗲: I have $4,000,000.
𝗕𝗮𝗻𝗸: That doesn't matter. We really want to see W2 income.
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At the core, FIRE is about getting your financial shit together. Forget the travel, camper van, and all of that Instagramable bullshit.
There is tremendous value in figuring out money. FIRE made me thing about income, spending, and most importantly, the values that inform them.
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A conversation this morning:
Youngest Daughter: Dad, do you know about fire?
Me: Yes, don't touch it.
YD: No, I'm talking about the retirement FIRE.
Me: Yes, I know about that.
YD: Can I retire?
Me: What? Like now?
YD: Yes. I don't want to go to school anymore.
Me: NO!
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At DIA (Denver airport) yesterday, I noticed the
@Hertz
lot was loaded with Teslas. In addition to these Model Ys, there was a large assortment of 3s. The times they are a-changin.
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A reader posted this wisdom:
"Once you have enough, no amount of extra money changes your life."
But, this has a sequel:
"Once you have enough, you can sure as hell change someone else's life."
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Before I discovered the FIRE movement, I had saved $586,000 (and also had $150,000 in home equity). I had no idea what I was saving for, but then I discovered the FIRE movement. Fast forward 6 years.
Bye job. I do whatever I want from here on out.
Saving for the unknown is OK.
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Older Daughter runs a 5k in 31:14, 2nd in her age group and a new personal best for her. Woot!
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0
120
Conversation with Older Daughter this morning:
OD: I want a Nissan Leaf!
Me: Do you have money to buy one?
OD: No.
Me: You better get a job. Leafs don't grow on trees.
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2
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I've done the best thing I'll ever do for my daughter; instilled a love of reading. I can't get this kid to put books down, even on hikes.
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The downside to FIRE is that you might run out of money.
The upside is more of everything that is great about life.
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I made about $37,000/year at my first job out of university.
Fast forward 20 years and my portfolio often grows more than that in a month. And I'm mostly sitting on my ass.
November was another good one, up $39,530.
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I gave another talk today. As a kid, I stuttered terribly and it installed deep fear. After college, I promised myself that I'd never speak in public again. I broke the promise because I wanted to be better. Leaving that comfort zone has been incredible. Thanks
@AlanDonegan
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I went to Costco and there were no samples.
No Taquitos.
No string cheese.
No corn dogs.
No mini-tacos.
COVID-19; it's personal now.
PS: There was also no toilet paper.
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If I wasn't financially independent, there is no way I'd have time for all of my silly projects. Hell, I still won't have enough time, but life is good anyway.
#financialindependence
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Older Daughter: I want a Nissan Leaf for my first car.
Me: Well, you better get a job. Leafs don't grow on trees.
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𝗠𝗲: I could lose my W2 job the day after I sign on the dotted line, but the $4,000,000 probably isn't going anywhere fast.
𝗕𝗮𝗻𝗸: These are the rules.
It must be a Fannie Mae/ Freddie Mac thing, but it's also ridiculous.
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Not giving a fuck about any fucking thing is fucking liberating.
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1
84
When Mindy and I were on
@ramit
's show, we recorded for over 3 hours. It was tough.
One of the parts that didn't come out in the final edit was that Ramit told me I needed therapy. To be clear, he wasn't rude; it was just a plain statement of fact.
I've been thinking about it
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Who else read the
@WarrenBuffett
letter this morning? I liked the part about retained earnings.
What stuck out for you?
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Woot! No testicular cancer ()! Plus, I got a bunch of cool pictures of my nuts which I'll share with you now!
***groans***
Come on, what other
#FIRE
blog gives you content like this???
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The market is now back to the same level it was about two months ago. Be calm people.
#boring
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S&P 500 is now negative for the year.
Who's buyin' and who's cryin'?
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The goal of FIRE isn't to quit work. No, the purpose of FIRE is to do the work that sets your heart on fire.
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Yesterday's happiness epiphany:
What makes me happy at 46 is the same thing that made me happy when I was 6; spending time with good people. Now there is more beer and less baseball, but it's pretty much the same.
The best answers are the simple ones.
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Underemployment is pretty great. Here was my office this morning.
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The real goal isn't money or early retirement; it's living right. With restraint, but with intention too. Build stuff and grow. Find your tribe and cultivate it. Do good. Find your Enough.
The money will follow and you'll be FIREd, even if you don't know what it is.
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I don't know of anyone who does competitive loans against a portfolio and if there isn't, this is a tremendous business opportunity for someone.
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The best part of FIRE is the tremendous community surrounding it.
I'm a recovering severe introvert. But now, I find that I have great friends all over the world. This is by far the best part of the scene and I'm so thankful for it.
Life is great.
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4
73
Life is better with friends. Hanging out with
@getrichslowly
,
@AffordAnything
,
@mrmoneymustache
,
@NicheSitePM
,
@bradchoosefi
,
@NicheSitePM
,
@CoachChadCarson
and
@FiologyLessons
at
@culdesac
.
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2
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When you meet a new human, don't ask them what they do for a living. Instead, ask what they live to do.
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One thing I have realized lately is that if you think you can't, you probably won't and you never will.
The only thing holding many of us back from a completely different life is lack of confidence.
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Interesting story in the
@nytimes
with
@FIRECracker_Rev
,
@PlayWithFIRECo
@mrmoneymustache
@FrugalWoods
@our_nextlife
@RetireEarlyDude
and more:
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And now we're back to where we were a little over 4 months ago.
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"People who live far below their means enjoy a freedom that people busy upgrading their lifestyles can’t fathom." -
@naval
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VTSAX is much less drama:
1) VTSAX won't put ads on Craigslist for adult services.
2) VTSAX won't participate in a stabbing.
3) VTSAX will never appear on an episode of Cops.
4) VTSAX fees are a lot less, but y'all knew that already.
Carl
@retirein1500
just bought $350,000 worth of VTSAX after selling a trailer park.
However, the index fund investor also has a basket of stocks that he’s been tracking against the S&P 500.
Stock Picking Experiment: Year 3 Update in The Sunday Best!
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"You don't make a lot of money advising an S&P 500 index fund." -
@WarrenBuffett
#berkshire2020
#YFBuffett
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I doubt you'll run out of money, but I'm certain you'll run out of life.
What are you going to optimize for; money or life?
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Other humans will try to talk you out of FIRE:
You'll be bored!
You'll run out of money!!
You can always find another job if you're bored.
And, I'll tell you that there is a chance you'll run out of money, but for sure you'll run out of life.
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So,
@Mrs1500
and I now own part of a coworking space in our lovely town of
#Longmont
. File this one in the "didn't see it coming" department.
Working on the building and more importantly, the community is going to be a blast. 2019 is off to a great start.
More soon...
As of Friday, the
#coworking
space has now quadrupled in size. We can't wait to build out it out. The possibilities are endless.
#Longmont
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At 44, I've run a half-marathon and two 10ks. I'm in the best shape of my life because of FIRE. Health insurance is a huge issue, but some of the best insurance is to keep your ass in shape. Also, my daughter is amazing:
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Favorite
@FinCon
quote so far comes from
@APurpleLifeBlog
:
Me: So, you plan to quit in 13 months. What would they have to pay you to stay?
Purple Life: Someone else asked me that. It gets into the billion range.
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When no one was looking, I briefly enhanced the BNSF model train display at the
#BerkshireHathaway
meeting.
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Friday: Ate
@WhiteCastle
Saturday: Saw
@DefLeppard
Tuesday: Bought another house on a whim.
Life is more fun when the path is undefined, unexpected, and unpredictable.
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We got our local friend to come out of the tree and be on the podcast
@MileHighFIClub
. Some of you may even have heard of him!
Thanks
@mrmoneymustache
!
We talked to our friend, Pete, about the quest for happiness & the MMM HQ Co-working space in Longmont, CO. I wanted it to be like a part 2 of the Tim Ferriss interview from 2017. Thanks,
@mrmoneymustache
!
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Oh man, what a life. I'm sad because I enjoyed Charlie's curmudgeonly, unfiltered ways. But what a spectacular ride.
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Younger Daughter was looking for stickers to put on her water bottle. Of course, she finds my swag stack from the
@PlayWithFIRECo
documentary.
Me: NO, you CANNOT have that one!
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Ahhh, the things you find in the secret pleasure treasure chest (suspended ceiling) left (and obviously forgotten) by the previous homeowner.
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My favorite part of financial independence is working on fun new projects with interesting people.
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The S&P 500 is back to where it was in April of 2017. I'm guessing that it will get worse. But, this will pass, fundamentals will rule again, and life will move on.
Perhaps the most important investing skill is temperament. I hope yours is holding up well.
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Perhaps the best thing I've ever done is let go of my stupid, fragile ego. If you can acknowledge that you are nothing, than nothing can hurt you because there is nothing to hurt. Possibilities and potential feel infinite because I'm no longer caged/restricted/limited. I'm happy.
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53
I'm speaking to students at
@CUBoulder
next week about
#FIRE
and related money topics.
If you could give your 20-year-old self advice on investing, money, and/or life, what would it be?
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So,
@Mrs1500
has an extensive collection of tattoos including two that our children drew. She has agreed* to get this epic dinosaur scene that I created tattooed if this post gets more than -1 likes.
*Probably not true.
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Whoah, our net worth just hit 2.2 million for the first time ever today thanks to Amazon. Keep consuming! Errr, just kidding, don't do that. Keep living instead!
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It's been one year since I quit my job. Here's how it's going:
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Have you seen Get Smart With Money yet on
@netflix
?
It features
@AffordAnything
,
@TheBudgetnista
, Ross MacDonald, and
@mrmoneymustache
helping others get their financial shit together.
We hosted a viewing at
@MMMHqCoworking
recently.
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The Rocky Mountain News published an expose on the FIRE movement today. Its findings regarding
@madfientist
are particularly shocking:
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3
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Summer showed up fast. Then again, so did 40. Never forget that time is your most valuable asset.
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Net worth hit a new high today. In San Diego. Having really good beer close enough to the ocean to smell the saltwater.
#lifeisgood
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What happens when you leave your kid unattended for 23 seconds.
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Up $185,000 in July, a new record. This doesn't seem real anymore. I think we are living in a simulation and the aliens are f***ing with us.
13
1
48
I never thought us
#FIRE
folks were ever doing anything that extraordinary. I live like my grandparents did, but on a modern income. Not much more to it.
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4
46
The best big ticket item I bought this year is noise cancelling headphones. I never want to take them off.
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0
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Ooof. I've been at the blogging game for 10 years. I didn't plan for it to last this long. The original idea was to kill it at day 1500. However, I liked the writing too much to give it up.
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I love the FI community because I can ask it questions that I'd NEVER ask anyone in my day to day life. Like this: What is your net worth? As of this morning, we're back above $2,000,000 (Double Double Comma Club):
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1
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I've day-hiked Mt. Whitney (22 miles round-trip with 6000' of elevation gain), the highest peak in the lower 48. Running the half-marathon was harder than that. At least I got to see
@jdroth
in his famous bunny costume.
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0
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From the What Could Possibly Go Wrong? department, I made a table from old doors to accommodate our Thanksgiving guests. Note the kettlebell working hard to stabilize by creation...
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1
45
@anymanfitness
My egg is $2,200,000 and my daily driver is a 2003 Honda Element, also with 170,000 miles on it. I do most of the work on it myself. Because of the latter, one of my neighbors thought I was poor.
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@michaelbatnick
The inverted situation works the same, right? If you missed the 25 best days.
Which one is more powerful though?
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January 2019 was the first month that our portfolio saw appreciation of over $100,000.
Compounding, I ❤️ you:
#EarlyRetirement
#lLfeisGood
#ShitTonsOfMoney
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We've had some guests over recently who spend much of the time on their phones, even in a social situation where a small group is sitting around talking. What do you do when this happens?
I think it's incredibly rude. Am I right or is this just the way of the world now?
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"The pursuit of an object is often more fun than owning it."
#truth
The Acura NSX goes to a new home today. It was fun, but as time went on, it just took up precious garage and mental space. Keep it simple.
The original post:
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1
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Sometimes you know something is a bad idea, but then you go ahead and do it anyway. Sorry heart.
#MinnesotaStateFair
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The more I learn and the more I know, the more I realize just how little everyone actually knows. Especially me.
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It's important to take steps to avoid wasting your wealth. It's far more important to take steps to avoid wasting your life.
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Look at how happy this plane is, even in the worst of times. Let it be an example to us all.
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This is how a 10 second search on Google changed my life:
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Why do people always insist that their dog is really smart? You rarely hear someone say: "Scraps is dumber than a rock!"
Not all dogs can be above average. Where are all of the really stupid ones?
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1
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The library at
@MMMHqCoworking
is quickly growing. Today, I dropped off 3 books. All have moved me deep down, just not in the same way.
Thanks
@our_nextlife
and
@JLCollinsNH
!
#coworking
#Longmont
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𝟭𝟮 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼:
𝗠𝗲: Hey
@Mrs1500
! Let's have a 2nd kid! That way, 1st kid will have a playmate!
...𝑓𝑎𝑠𝑡 𝑓𝑜𝑟𝑤𝑎𝑟𝑑 𝑡𝑜 𝑡𝑜𝑑𝑎𝑦...
𝟮𝗻𝗱 𝗸𝗶𝗱: Hey sister, I hate you! You're a craphole!! You smell like my hermit crabs!
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So, my 9-year-old daughter saw my shirt this morning and we had this conversation:
𝗗𝗮𝘂𝗴𝗵𝘁𝗲𝗿: Dad, what does
@AffordAnything
times
@ChooseFi
equal?
𝗠𝗲: Ummm, Dunno.
𝗗𝗮𝘂𝗴𝗵𝘁𝗲𝗿: Financial independence of course dad! Duh!
Perhaps I talk about this stuff too much...
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Bleak times...
-TP is running low.
-Almost out of chicken nuggets.
-I have no clean underwear.
-School was just canceled.
The 1500 household is rapidly devolving into a Lord Of The Flies situation...
#ItchtyButt
#IncreasedChafing
#ImminentDoom
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Always best to remember that you have a limited amount of these.
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