It is 10pm on January 2nd 2018 and I am sipping on a fresh cup of coffee that I made because I never buy coffee. Like most people I had made a New Year’s resolution to finally start my very own personal finance blog to share with you all on how I plan to retire by 30 (1 year & 10 months from today). If you had read through my about me and thought that this is just going to be some guy who talks about how he did this, how he did that and this is how you should do it without explaining the steps I took your wrong. One of the main reasons why I wanted to start this blog was because most of the other personal finance blogs out there are very vague. They would give you a top 10 ways you should do this or top 10 ways you should do that but without giving you a plan of action. By the time you finish the article you would get distracted and read something else and by the end of the day you totally forgot about what you even read. I want you to think of my blog as a road map that is broken down into 4 key milestones (Start saving, Pay off debt, Invest early and Retire early) each if completed in order can lead you to an early retirement and financial freedom.
- I am brutally honest and will give it to you straight. I have gotten to where I am in life by working my ass off and focusing on what I wanted and how I would get there. This is sometimes what people need to put fire under their feet to start going.
- My definition of retirement. I am not talking about the standard definition of “the action or fact of leaving one’s job and ceasing to work”. No. I believe retirement is the ability to at any moment leave one’s job and deciding to do whatever you want because money is no longer an issue. In other words achieving financial freedom. I will go into a very detailed blog post later throughout the year.
- You will have to make sacrifices. I understand change is hard for some people but if you really want to start saving and paying off debt it has to be done.
- Keeping it simple. The road map I have broken the blog down into is simple but it will not be easy to get to the end. What I can promise you though is achieving financial freedom is worth it.
In the first sentence of this blog post I mention that I never buy my own cup of coffee. Why? Well because paying $5-6 for something that costs 15 cents at home is one of the reasons why you are where you are now. How is that for brutal honesty but also one of the first sacrifices you will have to make. Sit down and strap in if you have any issues buy some Kimberly Clark Tissues.
As much as I hope you stick around and continue to read more. If you find that my personal finance blog is not for you I still want to help push you towards the right direction so you can check out my top 50 personal finance blogs of 2018.