Seb's FIRE Journey

There is so much less pressure at work when you're financially stable

@TheBrilliantBu1 I’ve felt this exact way for the last 12 months I just don’t really want to start over lol

The X platform makes me feel hot and cold. I lose inspiration, then I get a payout and want to try again. Then I try again and miss a payout. While it’s fun to grow on here and build a community, I know that hustling anywhere else would pay more. Anyone else feel this?

@RedBarSystems 💯 lol

I have worked in a corporate office for 15 years. Here is the #1 thing I learned... 90% of people have no idea what they are doing.

@InvestingAddict @MarketPalmer_ How nice are their cars and watches though?

@MarketPalmer_ I work with doctors. They either are financial guys or don’t have a clue about money.

Recently learned that 25% of 60-year old doctors have a net worth below $1 million. How…?

@MarketPalmer_ None of those years of schooling had a single personal finance class?

I like that! It is funny because a lot of people don't realize how hard it is for people like us to spend haha You'll probably laugh, but one of the reasons I love X monetization is because it is "extra money" I can feel 100% guilt free on spending and thankfully it is actually enough to cover most my "wants" since I am a natural minimalist

@SparkingFIRENC Yes, its eased the stress of spending massively. If i don't use it all one month, I roll it to the next month into the same spending bucket (not a savings bucket), so it forces me to make an effort to spend it and enjoy it.

So far this week we have spent $120 that we weren’t expecting -$30 because our cat ate our leftover meatloaf so we had to go out for lunch 😅 -$35 bill -$55 in stuff we were asked to pick up for a party Anyone who knows me knows that unexpected expenses like this make me physically tense up Sure, we make plenty to be able to afford it, but my scarcity mindset comes out anytime an unexpected expense comes up I’m doing my best to remember to live in the moment and not let things get to me Slowly and surely I am in fact getting better at spending money “unintentionally” when needed

@Strachota73 Has that helped a lot? I could see how it would but I think the added uncertainty would make it hard for me cause I couldn’t track it lol These unexpected expenses really get to me when I can’t track them lol

@SparkingFIRENC I'm right there with you. It is the reason my wife & i have separate accounts. I need to track everything & she spends as needed w/o tracking. I've started budgeting guilt free spending into my budget each month & it is helping me with spending. Baby steps.

@Groundwork_HQ You have to love it!

Just checking my bracket Not busted yet! Thanks High Point!

@DMC4277 I'd take the 24 hours and do it starting next week lol I would want the option for a couple additional weeks of unpaid time off though In fact, they could get rid of all PTO if I could get 10-12 weeks of unpaid time off

@SparkingFIRENC Assume same job, your choice of 24-36 hrs per week, same health care benefits, same 401k match, pay and PTO is reduced by % of full time, if you work more than scheduled you get paid for those hrs at the same hourly rate.

For the Financial Independence Retire Early (FIRE) crowd: After you hit cost FIRE or hit your FIRE number would you consider taking a part time position with your current employer?

@NieceMotorsport whoever buys that door will flip it anyway right?

Your opportunity to own a piece of history has arrived on niecemotorsportsshop.com 🦅🇺🇸 #PressTheAttack | #TeamChevy

@TinyToothDDS GSO

@SparkingFIRENC Nice! What part of the Triad?

The High Point University men’s basketball coach is about to get a nice offer to move up in the off season.

@Ironchicken21 That was close lol

@SparkingFIRENC They’re fine lol

Duke 😬

What is the average SS payment now? Each of my grand parents get between $2k-3k per month A couple living on $4k per month has a great life (especially if they have a paid off house). Add in the investments for luxuries A single person would have it harder... but again, the average person can easily build a decent investment portfolio just by investing 5-10% of their income for 20 years

@SparkingFIRENC That it will be enough.

Do you think the average American will ever be able to retire comfortably without having done something outside of the traditional system? Social security is underfunded. Pensions barely exist anymore. The cost of healthcare alone in retirement is enough to wipe most people out. I genuinely don’t think the math works anymore. Tell me I’m wrong.

@marc02200 Which part? That it is enough or that it will exist?

@SparkingFIRENC I hope that’s true but I don’t know man …

Yes I do, medicare and SS will still exist and they are enough to sustain most people in most areas of the US on their own The average American makes enough to contribute 5-10% to investments many just choose not to. Add in matches for those who are eligible and you have a solid nest egg after a few decades on top of that social security

@SparkingFIRENC You think the average American is able to?

@TinyToothDDS Nice! Yeah I had never heard of the school until a few years ago when I moved to the triad haha Really nice school though

@SparkingFIRENC I’m from the area. Excited for the exposure the University is receiving.

@JuanRodrig07 I will never use $HOOD but it is hard not to be bullish on it

$HOOD Siena vs. Duke with over 15 million contracts traded already! 🔥

@MonacoFreedom Bullish for $V lol

Im taking my own advice and buying a bike.. Just paid $4.79 a gallon