Welcome to TipsToFIRE! Come on in, have a seat, grab a drink and join the club. Chances are if you found this page that you’re interested in getting out of the rat race the same as me. Maybe you feel an impending sense of dread every morning when you wake up to go to work. Maybe you want to prepare in case something happens to you and you won’t be able to work anymore. Maybe you just feel your time would be better spent pursuing hobbies and interests that are difficult or impossible to monetize. Regardless of why you want to be financially free, you have a goal in common with the rest of the patrons of this website. For that reason, whether you’re new to it or not, you’re now part of the FIRE community.
A little about myself, (without sharing too many personal details!) I am a man living in the United States and first learned about FIRE in 2014. Since then, I’ve spent hundreds if not thousands of hours pouring over investment books, the financial independence Reddit, and other blogs like Mr. Money Mustache in order to become as financially literate as possible so that I can make progress on my own journey toward becoming financially independent.
My approach to gaining financial independence is as logical and straight forward as I can possibly make it. That’s just the way I think. You’ll notice that in articles, calculators, and other tools I provide, there’s a ton of simplifications and assumptions. This is on purpose. Of course in a perfect world every factor would be accounted for. BUT real-world financial math is messy. I find that when I try to account for everything, I end up with analysis paralysis, and don’t end up acting when I know I should. This happened to me with opening a retirement account for fear of choosing the wrong one and in general puts more strain on myself than is necessary to get the job done. If you find yourself doing the same thing, remember that sometimes it’s better to pull the trigger and get started.
What’s most important is working on the big picture. Make sure your largest and most important decisions in life align with your long term goals. However, if you think I am straight up wrong, don’t understand a concept I’m explaining, or ignoring something that will massively affect FIRE progress, please feel free to reach out in the comments. Constructive criticism that can improve both my own plans and the advice of this website is greatly appreciated.
At the time of writing this, I am still a good ways off from my decidedly grandiose goals, though still far ahead of the average American. My job is a 9-5 job that is relatively low stress and that I enjoy most days, but I can’t help but feel like I could be doing something better.
I have aspirations to travel the world for months at a time, possibly as a digital nomad, but maybe with no work at all. I want to learn to dance and play instruments, become a top-notch surfer, snowboarder, weightlifter, and golfer. I want to be so flexible that I could be in cirque du Soleil, and so relaxed and at peace that no amount of bad drivers, ill-tempered bystanders, or poor stock market days can bring me down.
Join me on this shared journey toward a better life. If you don’t have a path set for yourself yet, articles will be posted weekly on Sundays for the foreseeable future. If you do have a plan, and especially if you’re more knowledgeable than me on a specific topic, please feel free to add information or answer newbie questions in the comment area at the bottom of each post.
Thanks for taking the time to read and welcome to TipsToFIRE! may we all live long and retire early.