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FIB - Scams 101 - Ye Olde Archives
Posted By: The Tim <tim@thetimtimes.com> In Response To: Just curious Tim (Dave Mauder (eDave))
Thursday, 7 April 2005, at 3:52 p.m.
I still work as does my wife, but we're just dog paddling our way through life for the most part. Cost of living vrs our combined income makes things pretty cushy and allows us more flexibility/freedom than many. In the longer term (retirement, etc.), we both have investment vehicles (401k, profit sharing, pension etc.) So day to day we don't have any financial stress and longterm we're doing the right things to assure that doesn't change. And Yes, I guess I lived pretty frugally (still do compared to many/most) for most of my life which is often the case when you're responsible for raising multiple children. I currently have no car payment, one credit card and a house payment about what the average studio apartment probably rents for in most cities. Other than my house payment, my biggest debt is college loans, and considering the boost in income I gained for that PAINFUL SLOG, a pretty fair tradeoff all-in-all.
For the record, I didn't have my first child until I was 30. That in itself is a BIG reason I'm not destitute. Married seven years before attempting a planned child. I'd be even better off if my first wife hadn't freaked out and run off shortly after having the baby. I had to basically start over from scratch. Remarrying a women with THREE boys (at that time ages 6,14,17) also slowed me down. I've been remarried for 16 years. My second wife started college after I married her. She's got three degrees now. She actually started college a year behind her oldest boy and finished her four year degree with him! Got went on and got a Master's and has most of her work done towards a PHD. For the record, she cooked, did the laundry, cleaned the house and WORKED as a waitress while going to school FULLTIME (one semester she took 23 hours!!) OF course it affected her grades somewhat. Out of the dozens of classes she took over several years at different colleges she got ONE B. Boy was she upset. So my wife's a genius as well as a workaholic. That helps.
Enjoy.
> Tim:
> Hopefully I'm not being too nosey here, but how did you become financially
> independent? Which, by the way, is pretty impressive at 47! Did you just
> live frugally and make smart investments over the years, or are you still
> actively working? To me, "financial independent" means you no
> longer have to work if you don't want to.
> Actually, this is pretty weird, because my goal has always been to retire
> early (and financially independent) by age 48. I'm 36 now.
> Thanks for the Dave Ramsey advice! I've never heard of him before, but I
> already found his website and have bookmarked it.
> Dave
Enlightening the Internet Generation
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