The Zeroes Suck at Christmas

As the Zeroes have evolved from Financially Irresponsible to Financially Independent, our behavior at Christmas has changed as well.

There was a time when Christmas was a great source of stress.  Worrying about what trendy gift to buy the kids, or which of their friends will give them a gift, so we can provide an appropriately reciprocal offering.   Because we had little left over after paying our bills, it was also stressful because we knew we were likely going to put Christmas on the credit card.

Now Christmas rolls off our back like drops of water on a duck’s behind.… Continue reading

The Science and Art of Delayed Gratification

I like my marshmallows golden brown and gooey inside.

I am not a financial wizard and certainly no expert in the area of investing.    No, the real driver of our modest success in growing net worth comes down to one simple behavior.

We are millionaires because we have mastered learned the art of delayed gratification – And You Can Too!

A person’s ability to put off a reward for the promise of receiving an even bigger reward in the future is known as delayed gratification.  It is not difficult to understand why this skill is extremely important in the context of building wealth and achieving financial independence.… Continue reading

Risk Management in Early Retirement

As our financial independence date draws closer, I have found the idea of taking the plunge into early retirement an interesting exploration of my risk tolerance.   Although information and education can influence one’s thinking, I believe a person’s tolerance for risk is very much a function of who you are.  Some people are natural risk takers, while others, like me, at least when it comes to money,  tend to err on the side of caution when given the opportunity.

In the early years of our journey to financial independence and retiring early (FIRE),  it has been easy for Mrs.… Continue reading

Life is short – Do you really want to spend it working?

A relative of mine recently visited us in Asia for two weeks.  She works a normal kind of job.  Nothing fancy or high powered.  She is paid by the hour.  Dreads some aspects of work, loves other parts, but for the most part just does what she needs to do to bring home an income to keep the household going.

About a week into her visit, she pulled me aside and said, “Mr. Zero [no, she doesn’t really call me a Zero], I am worried about you.  You are obviously doing great, but the amount that you work is just not right.”

A typical week for Mr.
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October Update and an Exhale

Well, it’s been five months since my last post.  Rather than rattle off a litany of excuses, let me just say that my work has continued to expand in scope to the point that most days (and nights) there isn’t much of me left for anything else.    I have seen some posters on various FI blogs discuss their reluctance to pull the plug on a good paying, stable job.  While I understand the sentiment, this year has done nothing but solidify my desire for something different.

Exhale slowly, Grasshopper.

Thankfully, despite a particularly rough five months, there were some bright spots!… Continue reading