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Since my boyfriend and I just bought a house, my answer is easy…our first mortgage payment. I have two teeth waiting for crowns. The sooner the better. Being that I took your Earn 1K course-I already make money on the side and close to maximizing my investment ladder. Being that I took your Dream Job Course-I am lining up my next role in the field I want at a negotiated salary that fits for me. Invest it in building a prototype for a web service. It would go directly to pay down my 25k second mortgage, which I plan to have paid off completely by this time next year!

Some of the cash would be dedicated to putting together professional materials packages to provide free-of-charge to potential clients. I would use a portion to take out referees to lunch or coffee, and do the same with some people in my city from whom I am seeking informational interviews. There are a couple of targeted workshops coming up from our provincial small business body regarding pitching services to our provincial government, and I would register for those workshops.

Where Winners Live Sell More, Earn More, Achieve More Through Personal Accountability

Lastly, I would get myself a compact data projector many of my workshops involve presentations with visual displays. Individually, these are all small items that I can budget for, but as I am also saving up for the arrival of my first baby, every penny counts. Thanks, and good luck, everyone. I would take some of it to move back home and then put my kids in daycare. I would stick the rest into a savings account and go back to work. Just know it would go towards me starting my new life with my kids. He graduated from college 2 years ago and since then we have put any extra money tax returns, bonuses, gifts of money etc.

And I opened a savings account to hide a few bucks away for rainy days or for future investments to come. Maybe I have the one icecream for the month as a treat. And I know I will keep it up, because I am stubborn as a donkey. Taking a real vacation would be such an amazing break for both of us! I am all for Roths and patent searches, and shoes and stuff, but really, I would do these few things. I am trying to get together a down payment to buy my first home. I would use this to continue adding to that pile.

Every extra bit will help to keep my interest rate and monthly payment low! Upon receipt of payment I will deposit this into my online brokerage for trading in the intermediate term to take advantage of recent volatility. Everyone loves midgets and I believe the networking benefits of hosting a great party will be worth my dollar investment. I would use it to invest in my art business buying materials, vendor payments, shipping art pieces, etc.

I make and just started selling abstract art and need to get it noticed, so I need money to be a vendor at fairs, to showcase art at galleries, and for travel. It will add as a nice backdrop in your web chats. I would use the money to help fund a startup. The money would speed up what I am already working towards. I would give the money to my mom to help pay off her mortgage. My dad was sick for most of his life and recently passed away. Nonetheless, she was able to send all of us to college, and I am now proud to say we are all college graduates and better people because of her and her sacrifices.

If I won 1, I would also by myself a watch for work and a pair of prescription sunglasses for the summer. I would save for that! Thanks for all you do! I am looking to buy a house within the year and want to improve my credit score :. Very simple: Deposit the check to my ING direct savings account. Then when Earn 1K opens up for the next time I will use this check to pay for the course. I have the next steps laid out to be completed over the next 3 months and this would allow me to speed up the process.

Looking forward to reading more comments as well! I would use the money to finally try and invest in the stock market! I would use it to go on a trip to Fiji to assist with some of the disaster relief from their recent floods and look for social entrepreneurship opportunities on how I could continue to assist the relief. Buy two plane tickets to attend a business and networking event in San Diego, CA. I would pay down debt so that I can have more options in the future like say taking a Ramit class.

So I would use the money to help my sister and her 3 kids with a summer of fun. You see, my sister wants to join a local beach club. The kids would have something to do all day and my sister would finally be able to relax! I would also be on the membership and get to bring my wife along. This money would help a lot of people in my family have a fun summer and without paying for going out of town airfare, hotels, food, etc. Would this be an investment? The money is for a summer of memories for my niece and nephews.

Less stress for my sister and drinks in the sand and sun with my wife. But to be one of chosen person you would have to gave value to this money by buying plant and put it all into garden where everyone can learn and see where really money grooves. In effort of mans hand. I would put half towards my credit card and the other half, I would split between my savings and vacation fund. Savings would be nice too! But I think it would make the most sense to use the money to increase my earnings capacity…i.

Boring, but true. Fortunately, I am not sick but a close friend of mine is sick. The extra 1K1 will help me pay off a portion of the medical bills. Our health should be our number one priority. Sometimes we take this important topic for granted. Hello, My answer is different. I am getting married this weekend and going on our honeymoon in 2 weeks to Ireland my dream and Italy. We have budgeted very well for the wedding and I negotiated pretty well to not go into debt.

I would love the money for our honeymoon for nice wine, tours, hotels, romantic dinners, etc to enjoy a nice trip together as husband and wife! I would use it to start paying my parents back after all the help they gave me throughout college. They deserve it more than I do. Too bad this is more like a lotto random drawing. Good luck to the rest of you. I recently checked my credit report for the first time and discovered that my parents never paid for my tonsillitis years ago AND I was unaware that the bills were in my name. I would add it to my emergency fund matching the 1, I have managed to save since I started it in February.

Well after reading I will teach you to be rich! I would definitely get my brokerage account started and run that Lifecycle Fund. I would Automatically contribute to my new fund by rerouting some of my savings. I was actually saving for the lifecycle fund minimum so that money could be allocated for the fund and my money could start growing. I would then use the rest for backlink building to my products that are ranking on the first page of Google, but to push them even higher to position 1!

When that particular account reaches a certain point, I am using the money to begin my real estate investing. I would spend it on your Earn1K course — planting a money seed that would grow into a mighty money tree. In process of buying a house, since I have all bills covered plus paying extra, no cc debt, and auto payments to all my retirement and investments and long term contracts and revenue streams going, most likely I would literally just use it toward some of the appliance costs for the new house.

I would use it pay off my credit card debt and any leftover money would put towards my student loan payments. Why would I expect such a high return? To weed out the dweebs. His teeth are in pretty bad condition, and we have been meaning to get a start on fixing them for several years. He has been working very hard in school, and I think it would be great for his self confidence and health! And it would be a good incentive to get with the program and start fixing them! It would be dumb to waste it paying for some expense. It will be important to identify the point of greatest leverage in your business or personal life.

I believe that whatever wealth I can attract right now is limited to whatever state I allow myself to be in. The other big asset to invest in would be in people. I would convert it to UK pounds using xe. An overpayment in British terminology is paid against purely the capital of the mortgage, meaning the interest as calculated daily will decrease a little! I will use it to buy the productivity suite you recently had on sale. If I can get that on the same sale price, then use the remaining money on the preliminary earn1k course. I would pay off the last of my student loan.

Honestly, I would spend it to go visit friends across the country. I would buy a plane ticket or train depending to visit friends in California, North Dakota, Oklahoma and other places depending. If I had any money left I would save it up so after college is done I will have a little money to try and live on my own. Win-win all around. This would take another significant chunk out from them, taking me significantly closer to being debt-free.

Not to sound like a sycophant, but I would put it into the Vanguard Roth Ira I just opened thanks to reading your book. Spend on paying off bills.


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Invest in necessary materials for my business. I would use this to pay down debt! I have a plan to be debt-free by Spring of and this would help advance me towards that goal much faster than I can currently manage. Thanks for the contest opportunity! I would send it right to the credit card I am working on paying off by the end of the year.

I hate being in debt, but we had some medical expenses that we are now paying off. I would pay off that student loan and not be broke every month. Thanks to all for the new learning! Guess what I plan to do! It would temporarily join my emergency fund and later this month or next, be used to help pay to have my house painted. Why breakfast at your office? As a year old cleantech entrepreneur, I aim to pick your brain and eat your discarded muffin bottoms.

So, do you take your coffee with cream or sugar? I would use all of it to pay down my credit card debt, which is the highest-interest loan I have. Training can be hit or miss I know but I already have some personal projects that I am working on and a list of questions to ask during the hands-on part of the training so I think with this preparation I will get more out of it than normally. I will talk to you on available courses from you or your friends, on how to start own business with my background.

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It would go into my Brazil trip fund. I would pay off my existing student loan, which in already in the process of doing, before going back to school this fall. I would use it to complete market and product testing for my startup, which is already gaining traction. They are always happy to help me out and play for food or much less than what they should but their generosity only makes it more difficult for me to ask for their kindness. Anything left over would be set aside for the next time a similar project came along in which the budget was not sufficient to pay all those involved what they are worth.

We are both extremely motivated and willing to do what it takes to get this going.

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Wether we receive this dowery or not it will go and we will work other jobs around this to accomplish our mission. The objective of this project is to provide a way to meet the needs of the community as well as serve one another. Goals Using a web based tool similar to Craigslist or message boards, people in need can post their needs or have needs posted on their behalf by staff in a safe, secure and private way so that others can find ways to meet them. Our intent is to help others to meet the needs of the body through service, goods, and contribution to specific needs.

Solution Working with fellow everyday angels, we build a web tool whereby those in need can post their needs and we help facilitate the meeting of those needs both in body and through the technology of web based tools and e-commerce. A person posts the need to the board. Once accepted, that need is shared with any member of the community board without personal Information attached.

If in the form of tangible goods, they can bring it to an EveryDay Angel Outpost school, home, church, community center. Upon receipt, we will notify the person in need that the need is met and they can come to pick it up. They can then choose to send a message or thank you to the individual who helped meet that need if they wished to do so. For services, a person will choose to meet the need and given contact information so that they can help the person in need. Financial contributions can be given to a general fund to help facilitate large needs and also as micro funds that can build towards needs of specific need requests.

We want it to be as close to a one to one transaction as possible. We believe that new goods except automobiles instead of used goods will alleviate problems with broken things neither passed on to one another nor having to deal with repairs and delivery of items. I would legally change my name to Ramit Sethi, pat myself on the back and walk around town knowing I am in good company, then suddenly regret the decision, and pay to have it changed back.

Unfortunately, the NCAA does not allow a school to cover any of these expenses for prospective athletes. Helping to provide the kickstart to an education for one of these young females would not merely change her life, but, more importantly, likely save it. Without an education, the majority of these young ladies will die by the age of 45 or Why females? The answer is due to simple exponential math. I like your style. Great offer! I just need a bit more money first. So this money would be quite welcome!

We paid mine off this month, hers will be paid in full in less than 12 months, and we will have our house paid off in about 41 months…. I would take a cabinet making course or two to and learn how to build furniture for fun and profit. Hello Ramit — having paid attention to your wisdom — I am already debt free!

I spent it already towards a vacation to glacier national park! Half of it would pay down our auto loan. The other half would be put into finishing our basement. I would use around for filling out the paperwork to start my own company, another for setting up a web page for that same company and use the rest for testing of business ideas paying for lunch with interesting people and stuff like that.

The purpose of the company would be to enable me to study for an extended period and also take a few weekends abroad with my girlfriend. I will first of all pay the registration fee for this online working from home job. I will invest half of it in business,part of it help the needy. Later the balance will clear my debts. Pay bar dues and buy a new Adobe design suite to help start my advertising mini-agency on the side. I would put it to my schooling. I would either give it to my dad because of how much he has helped me financially, or I would put it directly to my student loans.

Would not you wonder to whom will you gonna give that money? I would come to San Francisco from Turkey to meet with you! So as a new graduate I could take your personal advices and discover San Francisco! That could possibly be made easier if the have work unions or some kind of organization, so I could hit up the owners directly and convince them to invest in their employees.

This could also in the future be videotaped and sold in DVD, once the market starts to get depleted. So visiting the Grand Canyon.. Yeah the Grand Canyon. We just sent the state registration in for the business name and will start contracting with vendors as soon as we receive the registration papers back. Extra capital would be fantastic and really speed up the process. Frankly, I would use it to help pay off my student loans. I have known quite a few entrepreneurs over the years and the ones who have succeeded are typically the ones who are doing what they love and loving life while they do it.

Their debts are manageable and meticulously well planned, with few exceptions. My belief is that acts of generosity can start a chain of people helping one another out. Ramit, I would out all of it towards my credit card debt. Either that or towards my future engagement ring payment that will be made on a credit card.

Either way, its going towards new or old debt! Goal is debt-free! From what other folks have said about its effectivenes, it would be the best investment I could make with it. And whatever money I had left over from doing that I would use to get any tools I could identify to get more or better use my time. Time is far more valuable than money, so any free money I get will be invested in getting more time! I am always looking for new ways to diversify my portfolio.

The extra money erik help in doing this. With the thoughts of having my money work for me, you could say I am already thinking rich! Exploring all options. Will soon get my PhD degree. Planning to be a day-trader after that. I know :. Technically a swing trader but never mind the minutiae. No paper trading- went live from day one and am net-positive after 5 years.

Learnt the tricks of the trade by investing my own money for the last few years. I have been there and have survived the game and made some money. Most of all loved every bit of it. Only recently I found a steady rhythm in the way I trade which made me take the leap. You know it when you see it. I will do a small time job initially to pay part of my bills. The rest has to come from trading.

Any money I get will go into my trading account. Thank you. I would take my 10 year old son to Washington, DC for a 4 day weekend train there and fly back. Maybe go out to a nice dinner and save the rest for my next real estate purchase. Boring I know haha. Then pay for a dental x-ray to make sure my tooth is okay and that I am healthy to start a new job. Then I will be set to start my dream job.

I would spend a portion to purchase books re finance — to learn about business statements etc. Pay off credit card debt. That attitude may be why I have credit card debt in the first place. I would use the money to pay down Back Taxes.


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The Interest and Penalty are more than what I owe. This is killing me. Following your wisdom, I am finishing paying off my credit card debt. I have been doing a ton of research on the right type non-toxic, combination of different sizes, cheapest method of purchase of memory foam mattresses. I would build my own platform bed, order the mattresses…and actually wake up feeling rested and ready to go in the morning. I am building the initial technical skills to begin freelancing in client based film work using techniques you outlined on Chase Jarvis Live.

I will used the money to hire an experienced DSLR shooter on craigslist for a multi-week learning project to get me up to speed on the skills side of the business. I would use it to: 1 Pay for a couple of extension courses at a community college 2 Pay for membership at a freelancer site to supplement my current income 3 Buy some work clothes 4 Save the rest!

I would use half to pay off existing debt, and the other half for something cool like… a new shed for my back yard.. I recently found her after 52 years of wondering if she was still alive and if she would want to know me even if I found her. One thing I want to do is hire a professional photographer so I will have pictures of the moment we finally get to see each other in person. And by the way, all of this happened after both of my adoptive parents passed away on the same day last August and I found my adoption papers while cleaning out their house. As part of the new garden program, the 5th grades will sell herbs as part of their regular fundraiser.

I would invest the money in a pattent, for a medical testing device, that I believe would do extremely well. In an effort to earn more money for the family and teach my two young sons about money I would buy a pair of dogs that would be good family dogs and whose puppies would be easy to sell. I would be able to teach my sons about biology and responsibility by having them help take care of the dogs. I would also teach them about money and marketing by having them help sell the puppies and count the money. I would also teach them about saving money and tithing by setting up a bank account for them and having them give some to church or a good charity.

I hate doing vacations on a small budget. Hi Ramit! Ramit, First of all, thank you for putting this opportunity out there. Here is a rough idea of what I would like to do with the winnings. I would use it to take my children to Washington DC. My youngest son wants to see the white house and the capital and he is only 7.

Then use the money to buy in. Sound Good? I stumbled upon a book by one of my favorite role models in the writing and health field, Dr. Roni DeLuz. After following her program from 21 Pounds in 21 Days, I reprogrammed my tastebuds and my belief systems subsequently. My life goals changed so much.

I felt like I was turning into Gandhi. I would spend the money on company software for the insurance company that I currently sell for. The money I am saving up to buy a sailboat with with to sail around the world and raise awareness of individual power and provide real help to people who need it wherever they may need it. I would buy hardwood floors for my house. I would take myself and my boyfriend to Alinea in Chicago, and use the extra funds to get two three day passes to Lollapalooza for myself and my brother. I would invest the money in the new business that I am currently help create and need the extra cash to get it off the ground.

Knowing my daughter, she would save half of it. I tried to teach her well. I would use the money for boosting my business. It has always been my dream to start a film company and I have been doing commercials for businesses for a while now. But I need some capital to form my LLC get business cards and really boost my business. But if I did win that is what I would use it for. And I would try to save some of it and buy stock with Apple or HP or Dell, depending on which one is the best choice. I would invest in people. The return on investment in people is big on the front end and grows exponentially as they in turn invest in others.

So I would donate the money to a local organization that provides food and housing to those at the bottom of the barrel of life. I would spend half on re-doing our apartment to make it more organized and functional. The other half would go to the laptop fund. I would buy presents for my wife for her birthday and invest in myself more a Udemy course, etc.

The rest of the money would go towards my planned trip to Nicaragua to help feed the many starving children. This is the charity website I support. I would buy a couple bicycles for me and my family, and then buy some food, a whole stock pile of it. I would do the boring thing and put it in my Roth IRA. I had a long job drought so I have not gotten to contribute very much to it lately. I have a job, now though I am using the techniques in Dream Job to improve my standing and prepare for the next one in a year or two.

Pay of my student loan and keep some to have a night out with the girl for once instead of studying.. I would buy call options on Apple stock. I would use the money to pay for 3 months supply of a drug I use. My insurance is in the donut hole, meaning I pay double for the cost of the medication. The balance would go in my checking account.

I would re-direct a third of that money towards my Roth IRA, the other third towards savings, and the last third towards printing promo cards to send to advertising agencies to promote my photography work. Use a thousand to fly out to San Francisco or New York for a couple of days and say thank you in person to the brilliant man who wrote the check and changed my life over the last year or so. Woop Woop! That way I would be a month ahead. Give or take taxes on items!

I would invest it with kickstarter. I started a small business about a year ago selling gourmet crackers that also happen to be healthful. I am plugging along getting the business going while my husband generously puts bread on our table and provides me with some cash infusions for the business. I realize that I need to take the business to the next level and outsource some things.

I would put it toward a new synthesizer keyboard that sounds so much better than the 13 year old piano keyboard I currently use.

What would you do with a free $1,? - I Will Teach You To Be Rich

It would add depth and expression to performances because it sounds so incredible. I would definitely use the money to pay off my education loan! And that debt off will spur me to do a career switch into social enterprise work. I would use it to buy more video equipment. I am growing the business and more capital would be helpful. I have had to take some money out of it for some unexpected expenses, and my balance is not as high as it once was. The Blendtec is the sportscar of blenders.

Or like the convertible car lovers dream of. If you ever wondered what cooks dream of, I tell you Ramit, they dream of Blendtec. Invest it in myself by hiring a personal running coach to help me reach my goal of qualifying for the Boston Marathon as part of my larger goal to run a marathon in every state! I have 6 kids, 3 of us live in a room I am renting..

I know I can get an apartment for a few more bucks per month.. I would use the money to help us get a bigger place.. I currently just got hired for a temporary position so I would use the money to help pay for transportation to and from work, daycare fees, and Bills rent, utilities, student loan , add to my IRA account and restart my emergency savings account.

I would be torn in between putting it on my car or getting everything else ready for my new baby. I would also take my wife out for a romantic dinner at her favorite Spanish restaurant. And the penny for my thoughts! I would take my little brother on a trip to San Francisco to reconnect with his childhood friend and introduce him to the tech community! I spent the money on having my product designed. It helps parents break free of the so they can start living their lives now and, most importantly, spend time with their kids while they are young.

I would invest in myself by enrolling in local college to acquire up to date skills to be of more interest to hiring managers! Long term it provides woohoo with marketing budget and more profitability. Even longer term it gets me closer to the bigger purpose faster of making fitness accessible to everyone and creating awesomeness.

I would pay down my PLUS graduate loan. Put it into a new account and redirect my student auto-loan withdrawal there so that I can keep it off of my radar for a few months. I currently use my work computer or the free computers at the library for all of my personal computer needs. It seemed silly to spend money on something that was a going to be outdated in a few years and b has been available for free.

I have a game in development. I want to pour all this money into hiring an artist to create some game art so it can get to market faster. A low priced stock more speculative than I usually buy. Hopefully it will do well. I will pay for 12 weeks of private pilates lessons. Becoming healthy and fit are more important than anything else to me right now. I would use it to pay off some of my student loans! Put some of the money in my savings 4. Buy some shares of a municipal bond fund. Purchase some dividend paying stocks 6.

Go out to dinner with some friends! As a single Mom, of three boys, I would take them on the Disneyland trip I have been promising them since the divorce happened three years ago. They have been good at listening to me say no to toys, fast food and other non essentials so we can save up. I need someone there who can navigate the intricacies of investing and hiring in that country. I will reinvest the interest again in the same FD.

My dream is to be a Group Travel Organizer. I would also be able to launch my business and start doing some marketing to have my first group travel within 3 months. Having someone to guide me always pushes my work along much faster and makes me more dedicated.

So, invest in your course, get my own dream job faster, pay down ALL my student loans faster. Much better investment than just paying down one loan. I would use the funds to hire a consultant for web site creation and monetizing a digital product. I would like to start a blog related to being a top performer in law school, how to get a big firm job and career consulting for law school graduates.

For the few the succeed, however, the opportunities are endless. Note Includes index. Isbn Label Where winners live : sell more, earn more, achieve more through personal accountability, Dave Porter and Linda Galindo with Sharon O'Malley, electronic resource Instantiates Where winners live : sell more, earn more, achieve more through personal accountability Publication San Francisco, CA, Jossey-Bass, Wiley, Note Includes index Control code ssj Dimensions unknown Edition First edition Extent 1 online resource Form of item online Governing access note Access restricted to subscribing institutions Isbn Isbn Type pdf Lccn Specific material designation remote System control number WaSeSS ssj Library Locations Map Details.

Ladd Library Borrow it. Library Links. About Library Policies Services. Embed Experimental. Layout options: Carousel Grid List Card. Include data citation:. Copy to clipboard Close. This is what most people do, and it leads to saving almost none of your income. All three choices are possible to do with great happiness. But in a bit of a paradox, the last and most expensive choice is the most difficult one in which to find happiness, because you end up with so many distractions and so little free time.

I started this blog soon after the crash of Another market crash of epic proportions is coming sometime, probably pretty soon. Our uninformed opponents think that FIRE-style early retirees are extra vulnerable to this. The potentially costly monsters mentioned above are simply things that cost money. So if you get better at managing your money, do you think these problems will loom larger, or smaller, in your life?

For example, my son will be reaching University age in just five more years. For example, as a team my son and we parents could easily:. These are just a few ideas. The point is, every problem can be solved, and financial independence simply gives you more mental and money power to solve these problems. But this thinking is completely backwards — money will not cure your fear, as megamillionaire Suze proves so clearly. So you should work on that first, by training your mind and body:. For example: many people avoid cycling because they have heard from friends that it is very dangerous.

But by doing so, they replace bike trips with sedentary car or bus trips, which clog their arteries and compound into fat gain and other medical issues which really are dangerous. A lifetime of bicycling in average conditions might give you a 0. So which activity is really the dangerous one?

Who hates learning? People try it, they like the results, and so they share it with their friends, and the cycle repeats. Note that I use Amazon affiliate links to point to any Amazon products mentioned, which allows this blog to earn money — so many thanks if you use them. Mighty Investor October 5, , am. Another classic MMM article that will go down in history. Jason Winning October 5, , pm. A key attribute to those on the FIRE track is that we think differently. We make decisions to maximize happiness instead of making things the easiest or accumulating the most stuff.

Kristine October 6, , am. So true! The goal is always happiness. Instead, do things that you take pride in and enjoy. You can always find another minimum wage job, but would you genuinely want one? Married to a Swabian October 7, , am. Turns out that MMM spells it out pretty clearly, as has my frugal better half for the past 25 years plus! Of course Suze is going to tell people to consume more — would be tough to sell 30 seconds of ad time on a show that preaches not buying shit!

MrsM October 9, , am. There is plenty of extra money when you make your plans around worst case scenario; what if another crash happens two weeks after you quit your job? In the case of FIRE people, nothing; we designed our lives and our portfolios to take a blow like that without ruining our freedom. Mary October 30, , pm. I think for most folks FIRE is a wonderful thing. I would caution that some fear is not a bad thing however. I was happily, frugally saving for an early retirement my hubby all ready retired when he got diagnosed with a rare cancer.

One med alone is 15k a month. Looking through healthcare. His bills for the last 4 month are in excess of k. Susanna December 2, , pm. I hope he recovers soon, that you both have healthy long lives, and thank you so much for mentioning the prescription drug factor. Roman October 9, , pm. Jason, While I agree a strong rebuttal like MMM is needed for Suze who lives in her multi millionaire bubble and hobnobs with the rich and famous, there is one point that many FIRE bloggers ignore. The idea that you can get some part time work when shit hits the fan in your portfolio is often ill advised.

I agree with the other points about flexibility and the solid math behind FIRE, especially with conservative withdrawal funding a reasonable not bare bones budget. Money Mustache October 10, , pm. Sure it can Roman, as can earning money from your own business and freelance work. Which is one of the reasons I encourage everyone, whether employed or not, to keep their minds open for ways to make money without the need for an employer.

Thus, on average you have to be in the lowest ten percent of employability in order to not be able to keep or get a job. Mustachians are in the TOP ten percent, in general. Marcus October 14, , pm. Keeping skills honed and having side projects ensures additional cash flows can be made available if needed. What I hated the most about her podcast is that she is absolutely correct that life can throw things at you that are completely unhedgeable.

The Frugal Joker October 22, , pm. Focus should be on starting a business or getting a job that gets your blood pumping like intense movie. If you are a mature and intelligent person, re-search your plan b to get out in the next months. You will probably need to downgrade your lifestyle for a few years. In it self aiming for FI and FIre is a scarcity mindset. Quit your job and see where you end up!

I follow a YouTuber that lives in her car! Because she choose to do so, her name is Katie Carney. Reaching FI is really just one of the first steps towards figuring out what kind of a life you actually want to live and having the support and ability to do it. I certainly could quit to see what happens but I see it as a huge risk for my family who relies on me for stability. The Frugal Joker November 2, , pm. Of course a huge risk when you have a family and they depend on you.

My comment was more for a person that is single. And only quit your if you have at least 24 months worth to cover all expenses. As single you can cut rent in half by downgrade to a smaller apartment. But not easy if you are married with children. Marisa October 24, , pm. Robin March 2, , pm. I recently found out about the FIRE movement and have been reading blogs and listening to different podcast since January. Thank you! I applaud you for addressing the many naysayers. Cubert October 5, , am. RocDoc October 5, , pm.

Travis October 6, , pm. Waingro October 18, , pm. Please feel sorry for us. Lily October 5, , pm. To be honest, I was probably one of those guys at one point. If you told me financial independence by 40 was possible back when I was 21, I would have reacted the same way and felt very insecure about it.

Schermo October 7, , pm.

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Use whatever words you want. But to me that stuck out as poor writing. It was distractingly and indulgently crude without helping to clarify anything. Worse, that word, unfortunately, brings up the image of a kind of swaggering, entitled attitude about male sexual conquest. Is that the image you or MMM want to bring to mind: the FIRE movement is by analogy a horny guy who is proactively hostile to anyone who might prevent him from sticking his dick where he wants to?

It strikes me as a bad choice of words, used ineffectively, for the tiny payoff of projecting an offhand tone. MMM is a master of tone and character in his writing which is a big part of his success but this was not a great example of how or where to do it. CG October 15, , am. Schermo, I agree. This drastically improves your hormonal balance and reduces stress and fear. Now, this is great advice. So, while I was tying on my walking shoes this morning, I was planning my walk. Or do I walk on the street with heavier traffic and more visibility to more people?

Is there anyone in the neighborhood I could walk with? But even then I should vary my daily route. Am I being unreasonably fearful? Just realistic. Women go about their life regardless, yes, but boy am I tired of this just being life as usual. And the solution is so obvious and easy. I give him huge kudos for inspiring many to take control of their lives, not just their financial well-being. This blog is generally a great read and the MMM persona is funny, witty, and wise. Well, Pete, you sometimes have a tin ear when it comes to the use of terms that are violent and verge on the use of a kind of toxic masculinity.


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Yeah, I get that you really are a feminist ie. Not talking just about salty language, but about terms like the one you used in this post. Mostly in the past, I just read right past it all, but then it was too much and I tuned out for a long time. As the writer above noted—- you are better than this. You have also become a better writer than this over the years.

Just saying. Otherwise, keep up the great work that you do—it makes a difference in this world. Carey November 7, , pm. This is over the top ridiculous. The level of ego in our society must be at an absolutely unprecedented level right now in the history of humanity. Get over yourself, you are better than this. Chris October 5, , am. One of your best summaries yet… this should get another few million on board and keep the wave going. So glad I stumbled onto your site a few years ago and shaved years of working from my life…. Couple more years should get me over the hump. Frugal Asian Finance October 5, , pm.

I was so curious about Mr. The points raised in this post are great indeed. Everyone ones to have M to retire early. But maybe Suze is one of those few people that can get her hands on that amount of money at her age? I think she will get a lot of backlash from her statements whether those are valid or not. In her mind, many in the FIRE ranks are on permanent vacation. Orman would have none of us retire EVER. When IT kids and med school kids like us get into our cubicles and operating rooms, we start to dread the routine and stress.

Suze gets to create and run her empire. We ALL want to have that passion, but we need financial independence to really rock that canvas. Team CF October 5, , pm. Well, if she said we were right, most of her books will be useless. Bad for business! Negative publicity is still good publicity! Cubert October 5, , pm. Nailed it! Wait a minute…. Team CF October 6, , am. DuckReconMajor October 5, , pm. All it takes is a job loss or a project switch to change that. If that time comes, do you want to be able to walk away, or be desperate and stuck?

Who will pay into social security?? She even describes people putting guns to their head because they ran out of money. Just finished the podcast, Paula Pant covers all of this way better than I could once Suze Orman signs off. Such stupid logic. The topic of AI really annoyed me because my wife and I work in fields where AI is taking a huge role. AI just results in more work, which needs more humans to manage humans still have to be involved in the process which means our departments are pushing to hire more people to handle everything that the machines are pushing our way.

As a kid I remember hearing that digital programs would push accountants and other number-crunchers out of work, one accountant with the right software and networked systems can do the work of ten people with pen and paper. Somehow accountants and others in similar fields are not on the streets. Keith Brawner October 8, , pm. You are going to get injured and need disability insurance….

Chase October 10, , pm. So true — fear sells unfortunately. Gonzalo Rodriguez October 5, , am. FIRE going strong here in Dubai and we can almost touch it with our fingers… a few months away. FiRe movement really well explained. A big fan here and thanks for the time last year in Equador. Laurie October 5, , pm. How do you help people get better at self-control? Because… bad behavior. But you never use them. How do entitled, financially flabby Americans start and continue to make better money and life decisions? Checkout TinyHabits. Habit formation is a skill—anyone can learn and use. Domen October 8, , am.

Phil October 5, , pm. Even though that is easy enough it is not necessary. Once everything is paid off you can live really cheap and as long as you are careful you can spend down savings and be sure to have some left over for the kid s. That comment shows her lack of understanding of the spending portion of FIRE. Keep up the good work. Petunia October 5, , pm.

She is ridiculous. Mark M. October 5, , pm. Hey MMM, Thanks for this refresher! The thing that I and my wife have always appreciated about your blogosophical opinions is the emphasis on quality of time. There are a lot of ways to that, and we try to emphasize the keep-the-spending-low side, and live well with our time right now. Having a bunch of kids helps emphasize that. Besides, being an Orthodox Christian makes it unpalatable to think about sitting on large sums of capital, but provides many great examples of living joyfully on next to nothing.

Have a great day! Erik Orozco October 5, , pm. First, it is ridiculed. Second, it is violently opposed. Third, it is accepted as being self-evident. Cameron October 25, , pm. There is a small but growing proportion of the population that recognizes these pressures and their danger to the world. They find better ways to live and work, and often the norms begin to gravitate towards them.

But I guess when does it become a balancing act? But admittedly, surrounded by people without the same mindset, it would seem extreme…. Better that you both align on your shared financial goals and enjoy your life together, rather than taking that dreaded death-march to early retirement. Been there, done THAT except the early retirement part at the end — still working on that one. Brian October 5, , pm. Further, I can see her willpower starting to slide now that the rainy season is starting.