Reflecting On Two Years Of Freedom From Work

Why work when you can SCUBA?March 2014 officially marks my two year anniversary since I last held a full-time job. It’s been an amazing two years, filled with uncertainty and excitement as I worked to balance play with trying to feel useful.

To keep some discipline, I created a “production schedule” that officially began at 7:30am and ended at 11:30am. Sometimes I’d cheat by calling it quits before 10am because there was nothing left to do. Other times I’d keep going because I’d get hooked on what was happening in the stock market until it closed at 1pm PST. By spending three to four hours a day trying to produce something – writing in my case – I would never feel guilty spending the rest of the day doing whatever I wanted.

“Feeling useful” is probably the single most important attribute I’ve needed to experience during this time away. I’ve spoken to other people who no longer have to work and everyone agreed they need something meaningful to do in order to feel fulfilled. I’m thankful this site provides an easy way to add some value to society, no matter how small it may be. If you’re an early retiree who is bored and would like to share some insights, I’d be happy to publish your post here.

This post will share with you some thoughts after two years of being away from the days of always wanting to get paid and promoted faster. I’ve written a similar post about what early retirement feels like, but that post was written immediately after emancipation – like when Andy Dufresne from Shawshank Redemption finally broke free. 

THOUGHTS ON NO LONGER NEEDING TO WORK

* Is this it? After spending an entire lifetime getting educated and making enough money to live, it feels very puzzling to not have to struggle any longer. It doesn’t matter whether your retirement number is $500,000 or $5 million, the feeling of wonder and bewilderment is the same. You’ve already won, but the thrill doesn’t last forever. Instead, you wonder what’s next.

You start to think about ways you can help ameliorate problems in the world. Most will fail to make a difference, but some might be genius enough to succeed like Elon Musk who wants to rid our addiction to fossil fuels through the creation of Solar City and Tesla Motors.

The main thing I’m interested in doing is writing online. But I do have this curiosity of starting a scalable advisory business that employs only the most experienced and smartest minds in finance to help the consumer. I don’t want any of this “fake it ’til you make it” crap that is basically leading so many people down suboptimal paths. I’ll let you know if I give it a go this year.

* You’ll miss the commotion. Staying at home gets very lonely after a while. You’ll begin to miss shooting the shit with colleagues about their weekends, gossiping about interoffice romances, complaining about absurd client demands, and so forth. Hearing stories about other people’s lives often times gives inspiration or glee into your own. I completely feel for stay at home parents who can’t wait to get back to work.

To gain more human interaction over the past couple of years I would go to Golden Gate Park and play pick up tennis with the regulars. None of them seemed to have jobs as they were always there no matter what time I went. I got to know plenty of folks with alternative lifestyles. One fella drove for Uber from 4pm until midnight so he could enjoy the day. Discovering how other people lived was enlightening. You’ll be amazed how so many people are so happy without a lot of money. (See My Poorest Friend Is One Of The Richest People I Know)

* You’ll wonder whether you’re falling behind. Even though you’ve already won the race so to speak, you’ll continuously wonder whether you should get back into the mix to keep up with your peers. Maybe the reality is you selfishly want to keep the distance between you and your peers. Instead of waiting to give them a high-five at the finish line, you’d like to stretch out the finish line for as far as possible so they never catch up. After all, if everybody is living a life of freedom, the value of freedom gets diluted.

No matter when I’d go out in San Francisco, Honolulu or New York City, there’d always be hoards of people just hanging out. I began to realize that plenty of people either don’t work, are always on holiday, or have an amazing amount of freedom from work. I always thought in order to get ahead, you had to work more than 40 hours a week and be cooped up in an office all day long. But I realize now that my situation of early financial independence is nothing special. There is much more money and freedom out there than you know.

* You’ll eventually find what you really want to do. I’ve tried a number of things I thought I should do during this time off: 1) Write a book, 2) travel for an extended period of time to see how much is too much, and 3) start an ad network business to name a few. I’ve changed the design on this site for the first time in four years and I’ve also tried different types of revenue generating strategies as well. All were worthwhile experiences. In the end, what I found was that all I like to do is write.

After not writing for two days I start getting withdrawal symptoms. It’s as if I’m addicted to putting thoughts into words. No other activity gives me withdrawal symptoms – not even tennis or SCUBA diving. There’s something extremely satisfying about constructing a 2,000 word article that gets a point across. Writing online provides instant gratification because it allows me to make sense of confusion. The key now is to figure out how I can scale my love for writing with a viable business. If you have any ideas, please shoot me an e-mail.

* You’ll constantly wonder why You and not someone else. Luck is a very amorphous animal. When you’re free to do whatever you want, it’s easy to take your days for granted. It’s when you’ve got to take a crowded bus to work in the rain when you realize how miserable life can really be.

Because you realize how lucky you are, you start feeling some guilt as to why other more deserving people don’t have the same freedom. If you keep thinking about your luck, you’ll eventually go crazy because there will always be millions of people less fortunate than you. You’ll naturally gravitate towards activities designed to help other people, such as volunteer work, joining school boards, or writing online.

* All you want is the freedom to choose. The only thing that bummed me out during my last year of work was the diminishing lack of freedom. There was a new boss who wanted to shake things up. He had a tendency to micro manage and not trust his veteran troops to do the right thing for the business. As a result, work was no longer as enjoyable.

Once you’ve experienced the freedom to choose what you want to do when you want to do it, you will fight tooth and nail to hold onto your freedom forever. Since money is no longer as big of a requirement, you will happily accept less money for more freedom if you ever return to work. In fact, you may even find it rather ludicrous that you once put up with so much crap in the past. Hopefully many of you will discover this fact sooner, rather than later.

* You maintain your same financial habits. Just like a goldfish who tends to grow in relation to its habitat, we are wonderfully adaptive beings. Since 2000, I’ve been saving over 50% of my after tax income first out of necessity and then out of habit. When I left Corporate America, my total compensation took a ~70% hit. Somehow I kept on saving 50% of my passive income within a couple months because that’s what I had grown accustomed to. At the same time, I didn’t feel like my quality of life declined at all because I had so much more freedom.

Now that my earnings have continued to grow, I’m saving even more because I feel like I need to “catch up” from the first year of under-saving based on the absolute dollar amount. It’s really quite silly really, but that’s what happens when you develop strong financial habits. They follow you no matter how much or how little you make! (See How Much Savings Should I Have By Age)

* Time moves even faster. I still remember the last day of work very clearly. It wasn’t a celebratory exit, just a firm handshake and a good-bye after I had spent a couple weeks helping my subordinate take over the accounts. But I have a hard time remembering the rest of 2012 because it went by so quickly. I finished my book on negotiating a severance package by June 2012, and then went on this amazing two-week cruise that started in Amsterdam and went all the way up to St Petersburg, Copenhagen, and Helsinki. The cruise should be more vivid in my memory, but it isn’t for some reason. Perhaps it’s because things were so hazy in Amsterdam.

I can’t remember what I did the first half of 2013. I know I must have gone up to my place in Tahoe for some snowboarding and writing. The summer in NYC for the US Open, and traveling around Switzerland and Mallorca for five weeks was amazing. I don’t like forgetting what I’ve done because it feels like I wasted my time. Perhaps this is part of the reason why I like to write so much. Since time gets more precious the older we get, it’s important we all take a moment to record every single month with more enthusiasm.

* You won’t be as afraid to spend money. One of my biggest fears I had before leaving my job was going from being a prodigious saver to a wanton spender. The ideal withdrawal rate in retirement touches no principal, after all. But my fears were unfounded because I naturally made sure I did everything possible not to run out of money before I started spending money. You will do the exact same thing.

For example, I spent about $20,000 on myself during the summer of 2013 traveling even though I was making less money. The most I ever spent on travel before was roughly $10,000 for two for two weeks. I was able to get over my frugality by compartmentalizing my money, creating a business plan, and telling myself that now was the time to go all out because I might not have this chance to travel so much again. Given you will maintain your financial habits, you’ll start saving aggressively again or figuring out ways to make more money when you return. (See The Key To Taking Guilt-Free Expensive Vacations)

* You wonder when it will all end. I remember telling myself in January 2013 that there was no way this type of growth on FS could continue. How many people out there really want to learn how to better manage their 401k for a nicer retirement? I guess a whole lot more since the viewership more than doubled again a year later.

I also wonder whether I’ll ever be forced to get a “real job” again. Will a violent downturn in the stock market crush my net worth? Will Google suddenly blacklist Financial Samurai for no apparent reason? Will I get into an accident that requires expensive medical treatment? In the back of my mind, I’m waiting for something bad to happen because surely the good times can’t last forever. Can it? I guess this is why we save and have insurance.

This “pinch me” type of feeling is ubiquitously felt by many people I’ve met across different economic lines. The positive joy of freedom more than makes up for having less money by a ratio of 2:1. You’ve just got to have the courage to fight for what you want.

DON’T SETTLE FOR A JOB YOU DON’T LIKE

Most of us will probably start off working at a job out of necessity, rather than out of love. That’s fine. Save your money and gain valuable experience so that you can move on to something more aligned with your interests. It might take several moves before you really find your calling, but trust me when I say that when you do, the clouds will part and you’ll see how much better life really is.

Try figuring out the income level where one more dollar doesn’t do anything more for your happiness. I thought I’d love to work in finance because I got hooked on online trading as a junior in college. For 10 years between 1999-2009 I truly enjoyed work almost every single day. Then the downturn kicked my ass, government regulations started piling on and finance was no longer fun. But the financial crisis also kickstarted an old passion I had for writing. Let’s see how long this ride lasts until my interest starts to wane.

I never dreamed I would one day make enough to survive off writing alone. Perhaps writing would be a nice side hobby that could generate $500 – $1,000 a month, but no more. I was wrong. Two years later, my writing generates more revenue than income from my last year of work with 70% less effort, 80% more fun, and 90% less stress! I would not have gotten to this point if I did not take some risks. If you are wondering whether hard work and sacrifice is worth it, I fully believe that it is, even if you don’t quite live up to your goals.

If you don’t like what you currently do for a living I implore you to not settle. You will seriously regret more of the things you don’t do than the things you do.

Regards,

Sam

Sam started Financial Samurai in 2009 during the depths of the financial crisis as a way to make sense of chaos. After 13 years working on Wall Street, Sam decided to retire in 2012 to utilize everything he learned in business school to focus on online entrepreneurship.

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Comments

  1. JW says

    Inspiring words, Sam, thank you!

    It’s great to hear that it IS possible to live one’s life on their own terms…with only a plan, hard work, and the confidence to “take the first step.”

    I have a few passive income generation ideas bit lately I’m finding that figuring out how to put them in motion (i.e., build the online presence with the functionality I’d need) is the hardest part.

    Any advice for overcoming the start-up hurdles?

    Jeff

    • Financial Samurai says

      JW, I had the same startup issues which delayed me for years. I finally just found someone on CL and paid him to help me launch my site and everything.

      If you need a recommendation, let me know.

  2. Bob says

    Good article. I’ve been feeling a little limited and micro-managed and considering making a change.

    I have thought that there is a market for estate planning for younger families/professionals. Partly legal partly financial.

    I believe that to scale writing you would need to leverage your brand equity to establish a multi-author outlet. Too many disparate bloggers. A few good ones could/should consolidate.

  3. Ravi says

    I can only dream for now. I’ve probably got at least 10 more years working, likely longer, but I do know from today that I would like to make some changes throughout my working career. I really hope to build some skill(s) that I could use to consult on a project basis once I “retire” so I can still manage at least 1/4 my full time working income, but on an irregular basis. It would be great to relax/travel/be a homebody for a few weeks or a couple months, and then find a project to earn some money for a bit, get out of the house, resume normalcy in my life and so on. Once I start feeling the noose of the working world, I could wrap up that project and then try some more leisure or follow another pursuit!

    Not sure what my eventual goal is, and I’m sure it will change, but I hope to get some good ideas along the way.

  4. moneystepper says

    Great article Sam.

    “All you want is the freedom to choose.”

    You’ve absolutely nailed it for me. I don’t want to sit on my backside all day, but I do want the freedom to do something at a time of my choosing if I wish. In a grander scale, I also want the freedom to do something that energizes me in my work.

  5. Dan says

    Good post. Can’t wait to get there myself. I know exactly what you are talking about when you say the freedom gets addicting and you may wonder how you put up with so much crap at work before. Since I got my rental properties and have almost matched my W2 income, I have been having a really hard time putting up with my job.

    Also I can second that time moves faster. I recently took two months off and mostly stayed home relaxing and working on some things outside of work. People though I would be bored but the time flew by.

      • Dan says

        Thanks. Yes I am planning it now. I have already been working much less for the past year. In the process of acquiring one more rental property which should help out even more. Just want to make sure everything is set before I make the leap. I have a daughter to think about and if I leave my job, it is not something I can easily get back into.

  6. nbsdmp says

    Very interesting take on things. I sort of decided to do something different, I really enjoy what I do, but did hate certain aspects of my career/job. Essentially as a small business owner, I simply decided to only work with the customers that I liked vs. chasing growth at all costs. Also, I don’t take on any risky or challenging projects…that coupled with hiring a couple more high quality people has pretty much taken a majority of the burden that would make the days suck on occasion. Shockingly, when I mentally made the switch to do this, things have continued to thrive & I work even less and make more…and work is actually FUN! I would equate this to what you are saying with growing your online business, it is something you enjoy and it doesn’t seem like a job…just sort of part of who you are. I still have not cut the cord and just taken off for 3-4 weeks at one tie, but I’m pretty sure I could…Moral of the story, do something you enjoy, life it too short to not have fun along the way & if you choose a career or line of work you are passionate about, it doesn’t seem like work and is actually enjoyable! Retirement, doesn’t have to mean sitting on your ass, or volunteering at the local nursing home 3 days a week…it can me kicking ass at what you do on your terms.

  7. Wall Street Playboys says

    Awesome update sam!

    You have mentioned traveling several times, did you do a post outlining your overall view of each country/region?

    Not really within the scope of the blog but would be interesting nonetheless.

  8. Grisell plasencia says

    I can related to your post, I had worked in the financial service industry for 25 years and retired at age 45 four years ago.

      • Grisell Plasencia says

        I worked for the same company Bank of America all 25 years, my title VP Account Executive ( Mortgage Loan Officer). I enjoy real estate and stock market and that allow my husband and I to find financial freedom. My husband retired last month at age 49 after working for the Broward sheriff office.

      • 1WineDude says

        Ah, very true, but the point is that you have the freedom to look for those types of employment arrangements. One of the best things about semi-retirement for me has been the ability to say No. If I am not excited about the prospect of working on something, I can simply refuse it. It would be VERY hard to go back to having to take on those gigs, unless I had sufficient motivation (I mean, look, if I had to flip burgers to feed the family, I would be flipping the burgers and doing a damn good job if it…).

  9. Tom @ FinanceandFlipFlops says

    Awesome article Sam. I cannot wait to be in your position but unfortunately it will probably take me at least another 10-15 years. It seems so far away but I’m hoping that winning the little battles along the way (pay off student debt, creating income-producing assets) will give me the drive to win the war.

    Ultimately I’m not even sure I would just up and quit my job once my expenses are covered by my passive income, I just want the piece of mind to know that my subsistence isn’t dependent on some company employing me.

  10. Maverick says

    Sam, and what a beautiful reflection it is to date, right? So last week were you hooked on watching the stock market slide take away about 7 weeks of gain? Any new picks for the punt portfolio? Do the market gyrations make you feel like the compass heading of a Malaysian jetliner? (Such a painful loss of innocent lives. It’s hard to believe in 2014 that a Boeing 777 can leave so little electronic trace. Lessons learned will include 2-way satellite communications that cannot be turned off.)

    • Ace says

      Hey Maverick,

      In regards to the Boeing 777: New air traffic control technology has been slowly rolling out around the world as part of “FANS” (Future Air Navigation System). Getting funding for the equipment upgrades has been the issue in the states, but things are moving.

      Current radar based systems have many limitations.
      But anyway, at some point, all airplanes will have something called ADS-B. Google it, if you are curious.

    • Financial Samurai says

      I generally don’t get hooked on a stock market slide because I’m almost always net long in my positions. Instead, I go out and smell the roses when disaster strikes and trust that my net worth diversification will hold up through the bad times.

      But I did go immensely long one stock in my punt portfolio. It will either make 40-50% in two months or decline by 20%. I like that risk / reward ratio!

  11. The First Million is the Hardest says

    Glad to see you’re still enjoying the retired life. Its funny you mention missing the office conversations and hearing about your coworkers lives. The pointless idle conversation is what drives a lot of people nuts while still in that setting!

    • Financial Samurai says

      I miss it and I enjoy it probably because I’m an extrovert.

      I stopped saying I’m retired at the end of 2012. It just felt ridiculous. Saying “unemployed” is a better way to go!

  12. Mysterious Guy says

    Excellent article.

    I agree that time becomes more valuable as you age, and it’s quite scary when months pass by and you reflect ‘Where did the time go? What did I do?’

    I tried my hand in writing down daily (or at least weekly) all the things I’ve done, all the thoughts I’ve thought, and the views I had during 2013. I admit it wasn’t a consistent journal, but at least I got something down on paper. It’s amazing how much has changed with just a few months.

    All those risks that you’ve done seems to paid off (for now). I’m nowhere near where you’re at (or some of the posters here), but I got a direction and a plan. Hopefully things pan out the same success that you’ve had.

  13. Mark says

    Great article Sam. I’m looking forward to being able to retire early after putting in my time on in the financial industry. I’d love to see a post regarding the online advisory business, as it sounds very promising. I hope it’s something you decide to take on this year.

    • Financial Samurai says

      I’m thinking about what to do with my time at Personal Capital this very moment as I’ve to 4 weeks left.

      It’s a lot of work and the summer of adventure is coming up. But it’s also pretty fun and rewarding.

  14. krantcents says

    I think the best part of financial freedom is choices! You have many more and you can pursue any of them. For me, it was doing the work I enjoyed vs. the kind of work necessary to accumulate wealth.

  15. Ace says

    Happy anniversary Sam!

    In regards to your thoughts: I actually enjoy working. I think overall that work is good for people. It provides life structure and the opportunity to socialize with folks outside of their normal social network. I also think it is healthy to keep learning new things. Work can provide that opportunity.

    Obviously, if you hate your job, or can’t stand the people you work with, etc. It becomes a source of stress.

    I think what you did is really smart. You didn’t really retire. You started working for yourself because you were able to develop financial independence, and that what I try to suggest to folks. It good to have choices.

    • Financial Samurai says

      Thanks Ace. Enjoying what you do is really a central thesis to this article. It’s not worth killing yourself over doing what you dislike for years on end. Figure out a way to make a change. Things aren’t so bad nowadays imo thanks to the internet and maybe to things like the Affordable Care Act.

  16. Shane says

    You should go hike the Appalachian Trail so I can read about and dream before the fifteen years I have left before I experience it. Keep up the great articles!

  17. Jef Miles says

    Wow was reading this on the train to work this morning and was very inspired by this..

    I have plenty of ideas for once I move out of the corporate world.. While it is a great place to learn, there will come a stage where I’ll stop learning..

    How did you find staying motivated to stick to your 7:30am routine? I would love doing a gym session to start the day around 8am if I had the choice

    • Financial Samurai says

      My motivation is driven by the desire to be useful. Once you remove yourself from the work force, you may experience listlessness b/c you’re no longer a part of the producing class.

      Therefore, I don’t think many people who’ve worked for 10+ years will ever really lack motivation to stick to a “production schedule” of their choosing. Even doing something productive 1 hour a day is enough for many, perhaps including myself.

  18. Steve says

    Enjoyed your article. I’m 3 months into retirement at 59. Not that “early”, but sooner than I expected even a year ago. I’m enjoying the free time, but I can see the day coming when I will want some sense of daily responsibility, that does not interfere with the freedom I’ve gained. I’m fortunate in that my wife only works part-time, and our kids live close. This helps with any boredom. Being able to recognize opportunity was the key take away for me. Thanks for sharing.

  19. Untemplater says

    Two years can go by so quickly, even five years can fly by. It’s pretty crazy. I feel like as I’m getting older and constantly being busy on top of that makes time dissolve too much. We really gotta make each day count as best we can. Congrats on your two year anniversary!

  20. Ray @ Squirrelers says

    I’m quite a ways from that stage, but I continue to find your commentary on your journey and lessons learned to be inspiring. Totally agree on the suggestion to not settle. Great stuff as usual!

  21. Marvin says

    I really like your production schedule. Lately I feel pulled in several different directions all at once! Do I do SEO, do I knock out content, do I work on building relationships. So much to do!

    Glad to see you have worked so hard for the freedom you have Sam

    • Financial Samurai says

      Just say NO to SEO! I would just produce content first and build relationships second. SEO beyond the basics is not a good use of time. Take it from a guy who doesn’t link build or do any SEO beyond the basic plugin everyone has for almost 5 years.

  22. Cat@BudgetBlonde says

    Thanks for the great insights and the honesty Sam. I love that out of everything you’ve learned, you figured out what truly makes you tick – the writing. It’s nice to identify such a strong passion so early in life. Although I’m not even remotely close to financial independence, becoming self employed this year has changed my life so much. Freedom really is what it’s all about, and I love that you have the time and the space to think deeply about what it all means. You’ve worked hard and every day when you wake up enjoying the freedom, you have yourself to thank. :) It’s not luck; it’s hard work and planning. I wish you all the best as always!

  23. Carlos @ TheFrugalWeds says

    Congrats on the anniversary Sam! My wife and I are excited for the time we can choose what we are doing with our time. I am not a big fan of my job but I love the people I work with. It’s like it would be great to be there if I didn’t have any work and I could come and go as I please. Your perspective is refreshing and your success is motivating. Thank you, keep up the great content.

  24. dude says

    Man, you hit the nail on the head for me with the luck/waiting for the other shoe to drop thing. I stumbled into a very good career out of law school that did not entail the brutal, de-humanizing aspect of Big Law practice, one that provides excellent benefits including a pension and generous 401k matching. In just over 5 years, I will be retired/FI after 22 years of working in this job, to pursue other things (I have some serious recreational passions that I intend to convert into part-time work). Lucky? Oh hell yes, am I lucky! But I’m also pretty sure a good portion of my “luck” was not pre-ordained but rather flowed naturally from choices I made. But for sure, plain dumb luck has played a part, and I am super-grateful for it. And like you mentioned, I keep waiting for something terrible to derail my good fortune, because there is so much misfortune in the world, and I can’t help but thinking “why hasn’t it found me?” I don’t obsess over it by any means, but it’s an occasional nagging little thought in the back of my brain.

    Anyway, great article.

  25. Joe Filipowicz says

    Freedom to choose is the one that resonates with me the most. Will I ever quit “working”? No, not likely. There was once a time where I wanted to be on a trajectory towards parking my rear end on the beach endlessly. I learned more about myself, though, and it is now clear that the parking it on the beach isn’t what I want. It’s the choice of getting up on any given day and parking it on the beach. That’s the goal for me.

  26. Ludvig Sunström says

    Hey Sam!

    “some might be genius enough to succeed like Elon Musk who wants to rid our addiction to fossil fuels through the creation of Solar City and Tesla Motors.”

    – Great example. Elon Musk is definitely one of my heroes.

    “I’ve changed the design on this site for the first time in four years”

    – You did a good job. The site looks WAY better than it did before.

    • Financial Samurai says

      Thanks Ludvig. It always takes some time adjusting to a new design, but I’m at a point where I’m liking it just fine and like the responsiveness when I read the site on my phone.

  27. Jose Six Pack says

    I am not financially free yet, but I know if I were to retire I’d go absolutely crazy with 10+ hours per day of idle time. I have a feeling you are the same way, Sam.

    There’s a difference between doing things that are fun (tennis in your case) and things that are fulfilling. I think it’s only a matter of time before you are back in the saddle. :)

  28. Mr Otis says

    Hi Sam,
    I am floored to have found your website. I have been fighting through contradicting a advice for a few years now and your story is helping me sort through it.

    Question: What are you doing for health insurance coverage now that you are “unemployed”? That seems to be a considerable benefit to being employed but surely not enough to keep one from pursuing freedom.

      • Mr Otis says

        Hi Sam,

        I found you in the middle of the night after reading about LEAP and being very disappointed. In frustration I grabbed my smartphone and googled “wealth accumulation for 30 yr olds” and your “How Much Should I Have Accumulated” article came up. I loved the candid tone and the dialogue in the comments and now I’m on my 15th article! Thanks for your generous sharing of knowledge.

        You can’t complain about those health care costs. I’m sure this is a bigger problem for older folks though. Thanks for dispelling that concern for me.

        Cheers!
        -Jer

  29. Court says

    Fascinating article. My goal down the road is to someday be where you are now. It is inspiring to see people like you out there and it just gives me more motivation to work hard now.

    Keep up the great work!

    • Jef Miles says

      Hey Court,

      You and me both, would love to support each other in our journeys..
      What are your thoughts on this i.e. keeping each other accountable and motivated?

      Cheers

      Jef

  30. Buck Inspire says

    Has it already been two years Sam? Wow time really flies! Funny you mentioned seeing other people around you not having to work. I sometimes go to lunch at Costco and the first thing that enters my mind is, “Do any of you work?!?!?!” Interesting how some of your travel memories are hazy. Could it be your vacation times are not as precious since you no longer have a dreadful job that makes you long for a vacation break? Thanks for sharing!

    • Financial Samurai says

      Indeed. Having to work long hours makes going on vacation a little less fun, because you’re always kind of on vacation. It’s all about juxtapositions to make things interesting!

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