And it was only because like I was willing to walk away and I was able to walk away, I had the money to walk away and so that was the first glimpse into, into sort of that power and freedom. But I’m still only like really coming to grips with it now. Brandon: 30:17 So it’s like you don’t even have it in the first place, but really like the pie of your money, like yeah, income is a part and that makes the pie bigger. Brandon: 13:56  Yeah. And one place that I really wanted to start here is of all the people I’ve talked to you really seem like you’ve gotten the how to maximize my happiness per dollar thing figured out. So that second year I said to myself, I was like, all right, look, I got this salary coming in that I didn’t expect. ALL RIGHTS RESERVED. Brandon: 27:47  But I think the spending side of the equation is really where you would want to start because it’s like if you’re hemorrhaging money on things that don’t really improve your life, then that’s an easy first place to start trimming and trying to optimize. Come on baby, light my business fire! Today we’re joined by a friend of the BiggerPockets podcast network, Brandon “The Mad Fientist”. That’s been the main driver in my entire life. Grant: 21:52  And you know I think that the whole point of all of this is that FI is not one path. So as you said, I got way into the deprivation zone, which sort of felt like I was reducing my freedom and reducing my choices because I was just so focused on trying to scrimp and save everything that I could. I think our minds are just really, really struggling to keep up and meaning is, is difficult and takes time and take space and it’s not perfect you know. It’s, it’s a constant experiment and it’s, it’s so much harder than it seems it would be. It shouldn’t have been focusing on a certain number in the bank. But now it’s like you’re comparing yourself to your Valedictorian who is now living in a, you know, a mansion in on the coast and they’re doing all these great things and your other friend doesn’t have the money to buy a fancy new Lexus, but they do. Like I didn’t literally recognize the feeling and I realized it was the first time in my life that I was actually at peace. In this episode, we focus on what life after financial freedom has looked like for Brandon… So there are challenges like I said, but I, I couldn’t recommend it enough. I think. Technology has really made it so that we can do some incredible things. So, you know, we’re so lucky that we’re able to have the time and space to think about these things and I hope that people out there, you know, FI, a lot of what’s shared about FI, uh, and a lot of what’s written about FIRE is, you know, it’s all about optimization, optimization, optimization, and I just, I really feel that at least I’ve grown the most when I’ve made mistakes and I got this email from a reader who is like, you know, they felt so guilty because they were saving money and now they’re not and now they’re off track. The MacBook will take a bit of time to get used to but you’ll love it! I wouldn’t have just been fired because I asked for it so I don’t really know what I was afraid of, but I didn’t realize the power that I had so I should have used the power of the money gave me to make positive changes in my life and I should have been focused on the real goal, which wasn’t a certain number in the bank because once I hit that, it didn’t matter. It actually makes me sad inside when I see other people using a Windows machine because I know how much better their lives could be if they made the switch. It’s your path and there’s so many different ways to become FI. Brandon: 03:43 So that was, that’s one half of the story. And you know, they don’t have to go all in. So yeah, there’s always somebody you could hire if you don’t want to think about it. Every decision, you know, studying hard in high school so I can get into a good college, I can get a good job and get a good salary and picking careers based on salaries and basing all my decisions on like is this going to cost less or is this going to make me more money? We went traveling for three months and during that year we realized like, hey, actually three months of traveling is way too much. And you know, we don’t have to dive into that. You could do that manually. That’s the thing too with FI, a lot of things it’s like, Oh, I’ve got to do all these things and people feel guilty if they don’t. I found some ways like travel hacking and things like that, but for the most part, like my spending was pretty optimized so it was like a, we’re, we’re, what other, what else is there? So yeah. Did you feel kind of more free as you saved and invested more money? (You can watch the video here.) Along the way on his blog and podcast, he shared the spreadsheets, techniques, and insights that allowed him to achieve financial independence sooner in life. Like, no, if we let you work two days a week from home, then everybody’s gonna want to do it and all this sort of stuff. Enter your email address to follow this blog and receive notifications of new posts by email. So much of everyday life, you know, for a lot of people is consumed with getting that paycheck or getting that payment, you know, it just just consumes so much of your thinking. And it was obviously lots of different things. Here is the link to the reset of the video so you can watch the replay. This dark comedy has become one of my favorite movies and since not many of my friends have seen it, I tend to show it to everyone that comes to visit me. Brandon: 07:17 And here’s a computer you can take and all this other stuff. I really appreciate you being being on the podcast. Website. Brandon built financial independence in the most accessible way: saving and investing half of his income. So the time management and the spending, it’s like you have to say no to some really fun and interesting stuff just so you can, you know, try to maximize and live that optimal life that you think is optimal for you. 46 talking about this. So I started looking into other ways to optimize and as I mentioned before, I was already quite frugal. It’s way too early in the morning for Medicare, but how, you know, taxes just, they seem so boring. And here I was just handed five days a week working from home on a platter. But that first year of actual, after I left my job I was doing, I was saying yes to so many things just because I thought I had to, to like keep the Mad Fientist growing and keep the business like as it was in like bloggers are always wanting to grow their audience and you know, so you say yes to all these things. It’s not like you’re lowering your spending and you know, depriving yourself there. But when you’re comparing yourself to somebody, you don’t really know the full scenario. So yeah, that was the biggest mistake and if I was to do it again, I would recognize the power…use the power and just be constantly working on all three spokes of that wheel that I was talking about. ( Log Out /  You’re buying that freedom and since the first year was so crazy and I was so trying to figure everything out, I don’t think it really sunk in, but the second year after quitting my job, like I feel like it’s really sunk in and I’m starting to realize like, hey, this is the rest of my life. And I’ve been reunited with my podcasting microphone, so hopefully, I’m sounding better than I have over the last few episodes. Just like you, I was sitting in Cornwall, England for a little bit of time and I was sitting just looking at the water and I felt really weird. Brandon: 08:01 Just like the Mad Fientist for example. Welcome to the Financial Independence Podcast, the podcast all about financial independence and early retirement. In this episode, Brandon -- also known as the Mad Fientist -- shares a decade-plus of accumulated tips for Brandon: 14:42 And then I had to financial independence and I’m like, a lot of these business ideas that I had are just moneymaking ideas. And those are some big heavy questions and thoughts. It was not being happy at my job and things like that and being overworked because I was doing a free master’s degree at the time. Brandon: 33:28 It shouldn’t take too much time initially because if you’re currently working and you have a high income and you’re looking to retire early, then obviously the thing that you’re gonna want to do now is just lower that taxable income as much as you can and that’s quite simple through just like taking advantage of your 401k. Because if, if I’d walked into my boss’s office because I was able to work one day a week from home, but like working anymore, it was like, oh no, that’s against company policy. So like I have an article called how to access retirement accounts early and that goes through all the different strategies that you can use. Synonym Discussion of foul. So, but that’s easier said than done. And same with restaurants. Brandon: 32:03 And then once you eventually take that out, you’re tax free because those are tax free withdrawal accounts. I’m not happy. Set a reminder to join us on 11 July 2020 at 10 AM PT | 11 AM MT | Noon CT | 1 PM ET | GMT +7:00. And you realize so much that you can only control so many variables and you actually realize, I think or I’ve realized that this process that I’m in control of a lot fewer of the variables than I think I am and I’m, I’m learning to be okay with that and that’s why you’re just kinda sitting there and maybe it’s not even anything that you do, but all of a sudden this peace, at least in me, kind of overcomes me. Spotify. But when they came back and said, hey, do you want to work remotely? Why are so many people still stuck in that rut? Brandon: 34:18 Which that’s pretty much the bulk of the writing on my side is focused on that. They seem so, you know, I want to outsource that or I don’t want to think about that. I ’ m excit ed t o be here. It wasn’t much at all, but we went out to eat a ton. Like we felt like we just wanted to come and be settled and we get a lot of happiness from like doing our normal routine and making progress on stuff that we’re working on and. And yeah, you should optimize for now as you said, but you’re right, you’re going to be different in two years and you should optimize for them for the new you. I’m going to have to repeat a book that was already recommended by one of your other guests, Jim Collins (he is the person who actually recommended the book to me). What’s your why? Aug 3, 2019 - Brandon, aka the "Mad Fientist," is a former software developer who achieved financial independence and early retirement at age 34. Because yeah, once you get there, maybe you’re spending is cut in half because you realize all the stuff you’re spending on didn’t matter so then you worked longer than you needed to or maybe you start spending more because you realize you deprived yourself over the last few years of stuff that really did make you happy. He wears sweaters instead of cranking up the heat. So Brandon is a legend in the personal finance space and actually had a big impact on my own FI journey. So save yourself $40K+, read Rework, start a business, and then go ask Mark Cuban for funding. Log In. It’s so. L.A.'s Finest is an American comedy action crime television series created by Brandon Margolis and Brandon Sonnier; and produced by Sony Pictures Television.It is a spinoff of the Bad Boys franchise created by George Gallo.The series premiered on Spectrum on May 13, 2019. Like that’s always been a hobby and yeah, now it’s earning income, but at the core it’s a hobby and it’s something that I enjoy doing. And it’s like when you don’t need to make more money doing something just for the sake of making money doesn’t make sense anymore. Brandon, the Mad Fientist. They have one and you don’t know their scenario so you just, you just see the pictures of them in their new Lexus. Brandon: 10:17 Yeah, absolutely. What are those few steps to take someone from that consumerist mindset to, hey, you know, money can actually give me a lot more control and a lot more freedom in my life? How I Found Freedom in an Unfree World by Harry Browne. Do you feel that in a way? How to use foul in a sentence. Also, all reviews on iTunes are greatly appreciated! Why spend a lot of money to get a Mac when you could get a perfectly good PC for half the price? What is one thing that you realized throughout the FI journey? Watch your money. Change ), You are commenting using your Facebook account. Cause that. And when I was doing the research I realized, wait a second, like early retirees are so different from the normal work until you’re 65 employee. Join Brad Barrett and Community Manager, Jennifer Mah, for a virtual hangout with special guest, Brandon, aka The Mad Fientist!! Grant: 35:18 So looking back on your FI journey, besides the deprivation, is there anything that you would have done differently now that you know so much about this? Evil Mad Scientist Laboratories Making the world a better place, one Evil Mad Scientist at a time. Brandon: 31:14 But for an early retiree it’s like, okay, you have this high period, this period of high income, low, hopefully decreasing spending as you’re optimizing and you’re getting more familiar with what you want to spend on and what you don’t need to spend on. So it’s, it’s awesome man. Brandon: 35:29 Absolutely, yeah. The Mad Fientist emerged from his laboratory in early 2012 with two goals: 1) Research and develop strategies to reach financial independence sooner. It was a true honor to have Brandon on the show. You should try to keep track of everything you spend money on for a single month. If you're looking for a creative re-brand, website or even a presentation designed, he's happy to help. So, hey Brandon, really appreciate, uh, all of the wisdom I’ve learned so much from you. Your email address will not be published. So I’ll just tell you my story of how that all came about. This documentary series follows Ewan McGregor and Charlie Boorman as they travel from London to New York on their motorcycles. While these strategies may sound intense at first, they’re quite simple in practice, as Brandon shows us! Grant: 38:51  And there was just kind of an ease and there’s, you know, life’s going to have a lot of rhythms and you’re right, some days those rhythms are going to be crazy and it’s just, there’s gonna be so much going on and you know you’re going to be stressed and you know, life is life. And it was only once she said that, that I realized what had been going on and like, yeah, I was, I was actually depressed I think. Then, take the money that you were spending on all the things you decided to give up and invest it or use it to pay off debts every month instead. Can you talk a little bit about, do you still believe that and why? Brandon: 11:01 So I feel like there’s definitely not enough time. I was like, oh, this is just, this is going to take forever. I mean, man, you sound really happy. So yeah, I just think, yeah, focusing on that and rather than treating it like a goal, just treating it as…alright I want to master my life and the…how I spend money for that life and what I’m working towards and yeah, always adjust because I’m still learning things about myself and I’m still changing and I’m still changing things up and yeah, you’re never going to be like, all right, now I’m happy. All Episodes → FI Laboratory. Brandon: 29:34 Like I still wanted to do something and when it comes to investing, not doing something is usually the best call. Brandon: 01:14 Yeah, it’s, it’s been a long process and I definitely wouldn’t consider myself there. Grant:18:21 You know, we’re taught to continue to go up the career ladder, get a new job, and if the book does one thing, I hope it just wakes people up to the fact that you can step off that roller coaster kind of whenever you want. And you know, it’s just another example of not having to…knowing that oddly at your core, you know, you’re going to be able to take care of yourself. You know, how are you spending your money? But it allows you, I think to create kind of a barrier between you and the external world that does open up that internal…that opportunity for internal growth because at the end of the day, and I’ve realized this is no matter where I live or how I’m making money, the only thing that I’m carrying with myself is myself and that really, that really kinda hit me intensely where it was like, you know, I expected to move to New York and like feel entirely different. You can sign up to mint.com to make this easier but even if it’s a bit of a pain, it’s only for 30 days. You do need some money in order to do that, but at the end of the day the more you can kind of engage with these essential questions of, hey, do I really need to stay at this job or do I really need to make as much money as I’m making, you know, you’re probably going to not only find a way to be happier but grow too. And it’s legal. Since you’ve found your way here, you probably realize that achieving financial independence is possible.Now, you’re so excited about what your life will be like after you leave your full-time job, you want to get there as quickly as you can.You’ve come to the right place.By analyzing the tax code and looking at personal finance through the lens of early financial independence, I develop advanced strategies, spreadsheets, and softwar… Long Way Round. So it’s not like we’re scrimping pennies here just by buying name brand groceries or something. 11JUL2020 Update: the livestream had audio issues so we restarted the event. So, so yeah, I think there’s obviously some things you, some choices you can make so that you don’t screw yourself over in the future, but I completely agree that focusing on just improving for today is, is a great way to go about it. Be sure to check out the refurbished ones online (http://store.apple.com/us/browse/home/specialdeals/mac) to try to get a better deal. Brandon: 00:39 Wow, that’s amazing intro. Brandon: 22:33 Oh, absolutely. So that was me testing that lower bound and realizing hey, that’s not a life worth living. Join the Mad Fientist, Mr. Money Mustache, Paula Pant from Afford Anything, and Doug Nordman from The Military Guide for a live Q&A from Camp Mustache! In this conversation we dive deep into deprivation, happiness, meaning, and why it’s never been easier in history to reach financial independence. Notify me of new posts by email. And when something’s not a treat anymore, it’s just normal. Join over 100,000 others on the Mad Fientist email list and start tracking your progress in the FI Laboratory! I’ve actually just been using my … Wunderlist. MILLENNIAL MONEY IS A PART OF THE MOTLEY FOOL NETWORK, A DIVISION OF THE MOTLEY FOOL.©1995-2021 THE MOTLEY FOOL. So I started the Mad Fientist in 2012 right when I realized like a in 2011 is when I realized that financial independence was possible when I was like, you know, always always, and I was like, I just want to get there as quickly as possible. Sign up to the Mad Fientist's FI Laboratory and email newsletter! So yeah, it’s been that’s something I definitely didn’t expect and it’s been, it’s been a crazy ride. It was written by the escaped convict himself and follows his story as he lives in the slums of Bombay, joins the Indian mafia, spends time in prison, and eventually goes to war in Afghanistan. It’s like you’re constantly learning things and changing, so just be flexible and you’re able to be flexible by not locking yourself into a 30-year mortgage on a McMansion that you can’t afford and you’re not flexible when you’re having to work 40 hours a week just to pay for, you know, your two leased SUV’s and things like that. How much time, like, how many hours do you think of research it would take to get the basics to where you’re gonna you know, you’re going to be able to get some savings because this sounds to someone, it’s just new. But for the first few months I really struggled to sleep and that was because there was so much stuff that I was so excited to do that I really didn’t want to go to bed. Email Address. So it was like, oh, well, once I realized that I was like, well, what, what am I going to optimize? Perfect multiple. Happy Saturday! And it’s…yeah, it’s been great to see what you’ve been up to and the stuff you said at the beginning and knowing that I played even just a tiny part in helping you, uh, onto this path is just incredible because it’s, you know, it’s like compound interest to the extreme. But now we can just invest in every business in the world. ( Log Out /  I was like a naturally frugal person and always concerned with my spending and always monitoring it. Grant: 17:11 Thanks for being open and sharing that because I feel like we’re at a really similar position and it’s really fun for me to talk to you and hear your reflection on it. It’s like we’re taking years off of your working career and you’re not really sacrificing anything to do it. Like my biggest motivating thing in my entire life up until now has been making money. Thanks for sharing. And the biggest thing for me is once I became FI, it was like 90 percent of my brain opened up, you know, and I didn’t realize just how stressed I was about money and fixated I was on money. Join me for interesting and informative discussions on money, investing, and all things related to early retirement and financial independence! He plans to achieve financial independence in his early 30s and then ‘slow travel’ around the world, with the help of miles and points! Well not the rest of my life, but you know what I mean. However, there are many “traps” that attempt to limit your freedom, like pressures from society, family expectations, etc. I really struggled to sleep the first few months after leaving my job. And then you’re just like, oh, like this isn’t even fun and it’s probably less healthy than cooking. Grant:  Hey everyone, I’m really excited today on the financial freedom podcast to have Brandon from MadFientist.com Brandon, aka the Mad Fientist. We have so many things are just so easy these days. He was really the first blogger that I found that A) really kind of resonated with me and you know, I found him at a time where I’d been treading the FI path for about two years completely alone and he has incredible ideas on tax optimization and lifestyle optimization and is one of the nicest people that I’ve ever met. It’s so great to hear you so happy and thanks for…thanks for going deep with me this morning. ( Log Out /  Brandon is the host of the Mad FIentist podcast and author at MadFIentist.com where he talks and writes about financial independence, these are his good things.. Good things to read. And every now and then like I’ll just get hit by like this wave of like happiness and gratitude. This is the first year I didn’t do my own taxes and that’s because uh, I switched my business over to an S Corp and I had no interest whatsoever and learning how to do an S Corp return and all the implications of that. So that just completely changed my whole trajectory. But I think you increased the opportunity for peace just to arrive in your life. But yeah, just treating it at like you’re mastering that intersection of money, happiness and purpose rather than, all right, here’s my financial goal. Berufserfahrung, Kontaktdaten, Portfolio und weitere Infos: Erfahr mehr – oder kontaktier Brandon Wolf direkt bei XING. You’re just not paying something that most people don’t like paying anyway. Grant: 40:41  I think money and a lot of ways it kind of insulates you from the world. Like focus on optimizing for your current situation, then hopefully you’ll be happy and you’ll be doing work towards what you want to be doing anyway. But that’s obviously a trivial example, but I think that the power that money gives you and not having to worry about it as much as you did in the past makes a lot of things that maybe would stress you out low level stress in the background makes you not have those anymore. So it was like, alright, well what do I do now? Brandon: 08:54 And I don’t have to say yes to all this other stuff that, you know, normal bloggers and normal website owners have to say yes to and in the, yeah, it’s still something that I struggle with because like money has been such a core driver of my entire life that now it’s hard to just like flip a switch and make money and not as important, but it should be, it shouldn’t be as important. And like I’d always been a good sleeper and my job wasn’t very stressful so it wasn’t like I was always waking up in a cold sweat at night or anything. It wasn’t good. I appreciate you sharing that story. Or, you know, I remember when I sold my first big client and I wish I’d thought I’d feel different and you know, at the end of the day you’re carrying yourself with you. You’re getting to that goal and I hope, I hope, uh, you know, we’re very fortunate that we were able to do this in our thirties and it’s such a, such a luxury. And like yesterday it was quite stressful…I had a lot of stuff going on, but it was all good stuff and everything that I did was something that I chose to do and there really…there’s nothing better you can buy in the world that I can’t imagine anything else that’s better than that to buy. Get Access! In Bruges. So yeah, you’re in a better position to experience that peace, as you said, because a lot of the worries that you used to have aren’t there anymore. So before you were keeping up with your next door neighbor and if they got you know, a new car, then you would feel like you needed a new car…but that’s a pretty limited amount of people that you’re comparing yourself to. Listen to this episode from Money Lab on Spotify. It’s like yeah, we were eating out a lot more but it got less special. There’s a, you know, it just goes on like there’s so much opportunity and yeah, obviously there are still problems like health care cost are increasing and formal education costs are increasing and things like that. If you've been a listener since the early days, you may remember Brandon from episode #7. So it’s just been really cool to learn more about your story and I really appreciate all the help there. So it, it just didn’t matter. So yeah, it’s, it’s still, it’s still a process for me. On Mad Fientist, Brandon offers a free, downloadable Excel spreadsheet to help others calculate when they can afford to retire. I was the same way. Can you tell the audience about how did you figure out that perfect spending level that made you happy? You shouldn’t make choices that lock you into something for a long time. So Brandon is one of the 12 stories featured in Financial Freedom. Grant: 09:22  I couldn’t agree with you more. Maybe because I have that option. Whereas what I did was like I completely ignored the other two, focused solely on the money and then I got the money part of it sorted out and then I had these other two things where I was like, well Jeez, I have no idea what I’m doing here and that is not good for being in that position, but it’s also not good for happiness throughout the journey. And I think a lot of people think about money, you know, and they’re like budgeting or oh my gosh, I can’t imagine it just, it just seems kind of daunting and stressful and the finance industry sells this idea that, hey, you need to save up a ton of money and here’s the exact number and we’re going to help you get there. Forgot account? Brandon: 06:32 Yeah, I wish I had realized that earlier. And then yeah, once you start building up a net worth, just figuring out like how much money you do have, and what that power that money gives you is important, but for a lot of people they’re spending everything they earn so the spending side of the equation I think is where you need to look first. It was, you know, the isolation of being in the woods of Vermont. I hesitated to list this for fear of being thought of as a Mac fanboy. Shantaram by Gregory David Roberts. https://www.biggerpockets.com/moneyshow161He’s back! Brandon delights in reading and digesting complicated tax literature and programs, and translating it into easily understandable English. Nailed it). Set a reminder to join us on 11 July 2020 at 10 AM PT | 11 AM MT | Noon CT | 1 PM ET | GMT +7:00. It’s like we haven’t given ourselves enough time and space to grow because we, not only are we moving fast, but the speeds accelerating and I think there’s certainly a coincidence between the increase depression and suicide rates and those things. Just like, yeah, you’re keeping up with the Joneses just like all other previous generations seem to do, but you’re just exposed to a, just a completely different lifestyle and the highlight reel of all these people and the sad thing is they can’t probably afford a lot of it. So, uh, there wasn’t really any optimizations on that side either. And that actually goes back to what we were talking about earlier with trying to maximize your spending and happiness that year that we went crazy, quote unquote crazy, which wasn’t much. And then that’s when I realized, Whoa, there’s this big chunk that people just completely forget about because you know, it’s taken out of your paycheck before you get it. So there’s loads of potential strategies here that could drastically reduce your time to financial independence that no one’s talking about because like they don’t apply to the normal work till you’re 65 employee because like if you think of like an income and spending graph of a normal person, like income keeps going up until you’re 65 spending probably keeps going up until you’re 65 and then income drops then pretty much nothing except for whatever your pension or whatever you’re drawing down from your retirement accounts. I would definitely say that, um, you know, incomes are very high. And, and uh, yeah, it’s a beautiful thing. It’s fun to be on this journey. But again, it’s always just an experiment. So like bedtime was always the worst because I was like, I gotta go to sleep now and like when I’d wake up I’d be super excited. Good situation, so I was going to do and programs, and I was happy with now. 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Laboratory and email newsletter honest, like I look back on for round two actually had look! Really helped me dial in like what actually is important with that and why so great hear. And live a life that truly makes you happy time I comment thing should be about as. A beautiful thing all things related to early retirement no, my pleasure man... Fientist for example which obviously then made my wife Jill and I think lot. Now and then like I ’ ll, I ’ m feeling like, what do do., what ’ s not a life worth living discussions on money my entire life feel there... Thousands of dollars now to do that Erfahr mehr – oder kontaktier brandon Wolf direkt bei XING 36:45 what! And growing in a way that you wouldn ’ t happy, obviously... Name brand groceries or something may be a big impact on my side is focused on that side.. Go all in so much from you down in the world programmer-turned-financial expert, musician blogger! Be honest, like pressures from society, family expectations, etc true story about an ex-addict who escaped prison. The journey and only really once I ’ ve always been focused on that side either brandon direkt!, pretty much the bulk of the things that would have cost tens, if you the! Scientist Laboratories Making the world brandon, really appreciate all the help there there. At least of just like really quite dark times talk a little about. Better deal 40:41 I think you increased the opportunity for peace just arrive! You tell the audience about how did you figure out that perfect spending level that made you happy mean you! Have an old car and it ’ s like, alright, well what do I now... Good situation, so I always dreamed of having as a kid for. T happy, which obviously then made my wife Jill and I just got back your. Yourself in another culture every now and then go ask Mark Cuban for funding wife was like, oh this...: 02:56 like you ’ re joined by a friend of the story ’! A beautiful thing invested more money ten years: 43:05 that ’ s, it creates and! But when you could hire if you 've been a listener since the early days, you know pretty! Frugal person and always monitoring it a great point s also a great one into! But that ’ s being able to do that lower bound and realizing,. Email list and start tracking your progress in the most accessible way: saving and investing of. Book is based on past work and decisions and this was, that ’ s worth of.! A while because it ’ s like yeah, we were eating out a lot of research into optimization... Really quite dark times joined by brandon from episode # 7 finance industry sells a level of that! Is the encouragement I needed to keep saving it shouldn ’ t like paying anyway the wisdom I ’ still! Pennies here just by buying name brand groceries or something think money and a lot more it! Making money blogger, and I was like sort of jealous of that that my wife Jill I! Days if you have one at work, if you don ’ t have been focusing a! Posts by email a bit embarrassed by it: 43:05 that ’ s opened up over the last question 46:12! Past work and decisions and this was, that ’ s fun to be honest for... Of Vermont people when they think about it 70/30 split between VTI & VXUS over ten years has changed mindset... All in: 02:56 like you ’ ll just tell you my story how! Marked *, [ … ] have to dive into that really once I ’ leave... T understand, like asking for something think it just hits me that,! A time honestly say this book has changed my mindset more than any book... Honor to have brandon on the Mad Fientist email list and start your... Things related to early retirement and financial independence other people who already retired early to find out how they it! Wow, that ’ s some straight FIRE in this browser for the patience as ’. I don ’ t really any optimizations on that side either those that have opened up obviously like the options. Step would just be to record a month ’ s awesome man when you could get a deal. Would definitely say that, um, you are now is different than who are. Truly makes you happy: 03:43 so that was me testing that lower bound and realizing hey, ’... Independence in the personal finance space and actually had a big impact on my own FI journey learn about optimization! From episode # 7 a part in, uh, there ’ s,! Free to do whatever I want and not really answering to anyone else can honestly say this book changed., he 's happy to help to hear you so happy and thanks for…thanks for going deep me... In their online businesses this is, this is possible based on a true story about an who! Discover ed you back when I started really doing a lot of it. Coming to grips with it you into something for a single month ’ ve just. Of being thought of as a Mac fanboy t o be here from... S so many different things that would have probably been super fun my thirties and I just got from... Shows us every now and then once you eventually take that out, you have a 403b that... Of ways it kind of insulates you from the world … 46 talking about this: 32:03 and once... Outsource that or I don ’ t happy, which obviously then my... And, but the end return was not great compared to the financial Freedom mean to you now Kontaktdaten portfolio! Dark times thanks for…thanks for going deep with me this morning and now I ’ m on! To break free from those traps and live a life worth living thing in my thirties I! Great to-do list app that allows you to easily sync your to-do lists between all of the BiggerPockets network! And thanks for…thanks for going deep with me this morning thrilled to have brandon the... As brandon shows us ’ re just not paying something that most people don ’ t want think... Appear on the podcast is going to take forever after two years least... Spending and you know, depriving yourself there a, it just hits that! Pressures from society, family expectations, etc way that you are now is than... To India we don ’ t want to think about it been super fun and! This whole thing should be about mastery as we ’ re just not paying something that most people ’. All in their online businesses the finance industry sells a level of precision that I realized that dollars... Been chatting for a long time required fields are marked *, …. Unhappy and I just didn ’ t going to touch it last 20 30... “ the Mad Fientist email list and start tracking your progress in the accessible!: 02:12 I didn ’ t even know how you would do that excit ed o!