Cubert is a Fraud. After all, he’s planning to actually WORK in retirement! Who does this guy think he is, writing all this drivel? No one’s going to believe the crap he writes here. Heck, his wife is still going to be working for at least 10 years after he’s hung it up.
And what about all those rental properties? You can’t manage five locations without getting stressed out and (uh oh, here it comes again) WORKING!!! He’s pulling six figures now? I bet he makes five figures from his blog too. Why else would he keep getting up at 5AM everyday to write two posts a week?
You’ll actually work in retirement?? Heresy!
I feel exposed. Defeated. Do I have some things to confess? Some stuff to get off my chest? I suppose so.
Slowly and ever so cautiously I’ve left bread crumbs about my own financial situation. Sometimes I’m pretty clear about the big plan, and the details behind it. But unlike many other bloggers, I don’t reveal too much about our spending, our income, and blog traffic or blog income (snore).
My post on Monday was one where I “let it all hang out”, so to speak. It’s easy enough to see that we make a good income. Now in my mid-40s, and Mrs. Cubert is over ten years into her practice, we’ve become veterans in our fields.
Making good money isn’t something to apologize for, but I’m certainly aware of how difficult it is starting out. Heck, I remember my first real, salaried job out of undergrad way back in ’95: $27,500. And my pay didn’t exactly rocket-off from there in subsequent years.
Let’s see… For the heck of it, 8% annual 401K savings on $27,500 was $2,200. I think we had a 50% employer match for the first 6%, so in total, $3,025. The kernel of the snowball…
Who cares if I’m a fraud, anyhow? Maybe some of this advice is still good, and can help you save some money, or focus more on the important things in life, like people and personal growth? sh*t! What a revelation.
But what if I’m leading one of my six readers astray? What if he or she is taking the bait, and putting all of his or her faith into an early retirement that’s actually a hidden trap? (Question here. Do I go for the good ol’ Admiral Ackbar GIF, or try to find something from a great video game of the past… Hmmm…. Tap. tap. tap…)
Traversing the pit of early retirement despair….
No no. That’s not it…
Dammit, Ackbar. You always have to have the last word, don’t you?
I’m not as frugal as I could be
I thought a little Ackbar would distract you from the truth. As for my frugal side, well that’s nothing to brag about lately. I’ve been really bad this week. Three coffees at the on-campus coffee shop, and one lunch (likely two) from the cafeteria. Bring on the clowns.
Yes. Admittedly I’ve been a bit more relaxed about little things like buying coffee at Starbucks, and spending a bit more on date nights. *But in my defense, I’m still making some well-informed “big picture” moves. The Airbnb Experiment is churning along pretty well now. I’m about 60% to the goal for first year returns. Speaking of churning, I’m onto my second bonus point travel card of 2018. Clap clap clap!
Quit telling us to save money, when we all know the world is going to hell in a hand-basket
Oh right. I should scroll back up to Ackbar before I forget that all this early retirement stuff is a T-R-A-P TRAP! I mean, in all dead honest seriousness, what if we don’t have healthcare when we turn 75? How will we afford the medical bills, if we get attacked by wolves on the way to the garage?
Or worse, a third Death Star, this time powered by Tesla, suddenly emerges on the horizon? I should suggest that you’re better off staying put in that cubicle, to avoid medical bills and wolves…
I suspect the fraud in me just can’t help but avoid idle hands. I mean, I really should be skiing, snorkeling, or playing slots all day. Writing blog posts? That’s work. Managing rental properties and doing the hands-on LABOR to keep them up to snuff? Yeah, that’s work too…
You belong in jail. Or worse, a CUBICLE
I’ve shared what I think has worked for me. I try to use realistic examples. Heck, I even share when I fall flat on my face and fail. I’ve come close enough to my 1,000 word limit for today. I’m spent.
Disclaimer: This blog is not intended to solve all of your personal financial problems. I’m not trying to tell you, parents of children with special needs, or families with extenuating circumstances, that early retirement is the cure-all for YOU. It may not cure much of anything for those with money either.
Yes, there are some tips and tactics here that could help your general financial health. That’s true regardless of whether you quit employment-at-will early.
I’m not too naive to recognize that what I write about here, and what many personal finance bloggers write about there, is specifically targeted to people who have no excuses. You know, people who can but don’t, who should but won’t, who would’ve, could’ve, but still find themselves locked in a cube at 60, counting the hours until tee-time on Saturday.