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This depends on the nuances of your financial situation. You might not be able to reach financial independence. THE SHOCKINGLY SIMPLE MATH BEHIND EARLY RETIREMENT REDDIT HOW TOUntil I can find out how to instantly improve lives for the millions living in poverty or poverty-adjacent, I’ll do what I can now to donate to worthy causes, be an advocate for better working conditions/pay, and steadily open up roles for those outside the privileged bubbles. I’m willing to work my way to financial independence because that’s the most sensible way I have to escape under the current economic system. I just can’t leave it for workers when I know they’re already being underpaid. I’m not okay with it either, which is why you’ll see me jump to fixing grocery displays or picking up discarded clothing in a department store. It might be because they’ve experienced the negative effects of capitalism a lot of young adults feel sick at the thought of perpetuating a bad system built on the suffering of others. Not all, and not because they’re staunchly contrarian or because they don’t understand what being financially independent can do. I’d venture to say most folks would answer “yes” to the first question. So how do you get ready with the life variables unique to you? Answer two questions first: Are you willing? Are you able? It took me more time to get ready to pursue financial independence, but once I got there I was off to the races. I could now dedicate the majority of my time to generating income without other obligations. Most importantly, I had a lot more control over my expenses and, to an extent, my earnings. I had so much more mental and emotional bandwidth to educate myself about personal finance and, then, put what I had learned into action. My life was now much more settled and stable than it was in hectic academia. Things looked much different at this stage. It would take until I was a few months into my first post-grad job that I returned to financial independence. In other words: I was not ready to hear about financial independence, let alone begin my journey towards it. I read, I thought it was interesting, and I promptly closed the tab with no further preamble. Since it didn’t apply to being a good worker, this stuff didn’t apply to me. It’s that I didn’t think about it at all. I’m sure I skimmed his much more famous articles like the one explaining the 4% rule or the one with the shockingly simple math behind early retirement. That article, and the distinctive site background, are the only two reasons why I remember reading his blog back in college. I skimmed a couple of articles with passing interest the one most noteworthy to me, at the time, was about biking in Arizona. There were zero tilted axes or angel choirs. The world itself tilted on its axis as the heavens sang above those sad fluorescents. Clicking one link led to another, and soon I found myself on the blog of none other than Mr. I didn’t have work at the nonprofit to do that day, so I was randomly reading news articles to pass the time. It was a dreary day outside so the lighting came from the fluorescents above me. One day, I was sitting in the weirdly-shaped office layout of that nonprofit. I didn’t think about what else my money could do for me beyond “let me live in peace and away from the place I grew up”. All I had time for was molding myself into the type of person companies wanted to hire and give lots of money to. Due to that and the stress from stretching myself too (needlessly) thin, financial independence wasn’t even a consideration. There was little room for anything that wasn’t about becoming an attractive, in-demand worker. It limited my thought processes to resembling tunnel vision. My mindset, at this time, was fear-based. The goal was more geared towards “support through work,” not “building investments on the path to wealth”. My main focus was performing well and building a great resume so I could eventually support myself out in the world. I’m in Year 2 of being away from the place I grew up and doing everything I can to ensure I stay away… hence the overwork with all these moving parts. THE SHOCKINGLY SIMPLE MATH BEHIND EARLY RETIREMENT REDDIT FULLBesides my full course load, I am also part of multiple extracurricular groups, holding down a call center job, and working as an unpaid intern for a local nonprofit. I’m nineteen years old and a college sophomore in Boston. ![]() I’m going to talk about the time when I wasn’t ready to pursue financial independence, what was needed to make myself ready, and how you can get yourself ready. ![]()
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