Tag: financial independence

Financial Independence is Mandatory, Retiring Early is Optional

The title is a line I often use with friends and even in comments I leave on other websites.  There is no compulsion that financially independent people must retire early.  In math, there is a concept called ‘necessary’ and ‘sufficient’ condition for a given outcome.  Without getting into math, a real-life example will make the concept […]

Like it? Share it!

Read More

I Could’ve Retired 10 Years Ago

Really.  And I probably would’ve been posting some bad-ass or irreverent content as a carefree FIRE’d 30’s guy.  But life had different plans for me. Some of you may see this as kinda, sorta, sequel to why FIRE is much harder as a couple.  That article seems to have resonated with many readers.  Apart from the […]

Like it? Share it!

Read More

Financial Independence is Much Harder as a Couple

Love ain't FIRE

Love ain’t FIRE

It’s true.  Math and Science don’t lie!  I will prove it in this article. 

Getting to financial independence or retired early (FIRE) stage is not easy – it requires of years of persistent effort, discipline and an ability to think for yourself and often against the ‘grain’ of modern lifestyle and social norms.   Maybe one in a hundred people will have the wherewithal to reach FIRE.   So, the probability of getting to FIRE is say about 1%, whether you are a man or a woman.

(more…)

Like it? Share it!

Read More

M.O.N.E.Y. for Nothing

Recovered from election fever yet? As I said before, we will be persistent and will progress forward no matter who gets elected. Can we get back to business and personal finance?  Good. Everybody wants money.  Okay, maybe not these disciplined Buddhist monks going to their prayer hall.    But even the slippers they wear cost […]

Like it? Share it!

Read More

Oh, dear latte! You have been crucified. Fear not, Mr. TFR at your service. Always keep me happy with your frothy texture and warm liquid company.

Stop The Press! Mainstream Loves Latte

Regular readers of TFR know how passionate (‘obsessed’ is apparently the right word, as my friends have helpfully suggested) I am about my morning cafe latte. The few minutes of liquid companionship I get with its characteristic warmth and aroma and its complex, rich taste intertwined with steamed milk – in a marriage made in […]

Like it? Share it!

Read More

What is Enough?

Even this doesn't come along for the last ride.

Even this doesn’t come along for the last ride.

Even an eye-less needle doesn’t come with you on your last journey”  says an old proverb.  A sewing needle is a trivial item anyone can afford and its essential part is the hole or the ‘eye’ where you pass the sewing thread. If that is broken, the sewing needle is useless. You cannot carry even such a useless item on your final journey, leave alone the nice things and the people you love.  This is the inner meaning of that proverb.  It may be depressing but that’s the stark truth.  (more…)

Like it? Share it!

Read More

Boss: Aren’t we supposed to have a meeting now? Where is everyone? Secretary: Didn’t you read the memo? They have all quit and are blogging about ER.

Your Job. Your Attitude. Your Independence!

Boss: Aren’t we supposed to have a meeting now? Where is everyone? Secretary: Didn’t you read the memo? They have all quit and are blogging about ER.

Boss: Aren’t we supposed to have a meeting now? Where is everyone?
Secretary: Didn’t you read the mails? They have all quit and are blogging about ER.

It’s no surprise your job feels like a prison after reading many personal finance blogs.  It has become a rite of passage for many early retirement (ER) bloggers to declare their freedom from the ‘chains’ of corporate life.   After all, being free from what 99% of the world’s salaried class are doing every day certainly gives an early retiree the bragging rights.  At times, the financially independent ER bloggers seem like the real 1% as we remain part of the 99%.

(more…)

Like it? Share it!

Read More