Early retirement-bound, with aggressive financial tactics
I’m glad you’ve stopped by abandonedcubicle.com! There’s a ton of great information and anecdotes I’d love to share with you. If gaining financial freedom with a focus on life purpose is your intent, you’ve come to the right place.
I’ve got less than one year to go before I can leave behind cubicle life for good. These past twenty-plus years as an IT professional have gone by in an absolute blur. Countless projects, meetings, bosses. I’ve seen it all!
I’ve learned a lot, and often the hard way, about the importance of time and relationships over money. Don’t get me wrong, money is extremely important! When you don’t have your financial house in order, there are few things more stressful.
But once you get that house in order, the key is to remember each and every day that money is merely an enabler. The focus has to be on people, so that you can avoid major regrets later in life.
Personally? I know I’m ready to move on to new adventures. I want to learn about other subjects, serve my community, maybe take a few more naps, and hone my writing skills with this blog. Early retirement is the answer — Twenty years ahead of schedule.
I and my family live in the Midwest, where the weather runs decent to cold-as-hell, the people are kind, and craft beers thrive. In order to keep up my cardio and my sanity, I ride my bike to work at least two or three times to work.
No lavish lifestyle here. Not by a long shot. There’s two paid off cars in the garage and a pretty small 1,400 square foot home to shelter the four of us.
As an homage to the classic 1980s video game of the same name (though different spelling — “Q*bert”) I’ve chosen “Cubert” as my nom de plume, while I toil in cube land for a while longer.
We love the outdoors and try hard to limit our screen time. With two kids (boy and girl twins) our days can be exhausting, but incredibly rewarding!
Mrs. Cubert and I were married for seven years before having kids, and we work hard to keep the fires burning with regular date nights. Often this comes into conflict with an otherwise frugal lifestyle, but I will often preach on this blog about the importance of balance and trade-offs in our lives. Sometimes, you just need to get out of the house, and take a break from the kitchen!
My five year plan to retire early
Back in the fall of 2014 I found myself completely burned-out. One year old twins demanded a lot of attention, and the most intense work project of my career was really heating up. Weekends and evenings? Being online for work was the norm. Thankfully, I stumbled across Mr. Money Mustache while Google searching “early retirement” (or was it, “get me outta here!!!”??)
I had the good fortune of getting into real estate about a year before this time, thanks to a colleague who’d built a mini-empire of duplexes. I started out with a couple of single family homes in 2013 and now have five rentals generating cash flow month over month. It’s a lot of work in spots, but by and large, real estate rentals are generally passive and rewarding, if you go in with eyes wide open.
We keep our investments very basic, with 401K dollars fully allocated to low-cost index funds. When early retired, we plan to use the cash flow from our rental business, plus the income from Mrs. Cubert’s part-time business. The 401K will be waiting for us to tap when I reach 59.5 years of age. Our, “old man money”.
I’m a firm believer in focusing on cash flow over net worth. You need money to pay the bills, and in retirement, it can be a bit stressful to see the market take the occasional tumble. That’s why I’m a huge fan of real estate. It’s an incredible hedge against stocks, especially if you have a keen eye for good properties.
Again, I’m glad you’ve found abandoned cubicle. I’ve had the pleasure of meeting a handful of like-minded and highly successful bloggers since starting this spot of Internet. You’ll come across some darn good guest posts here, and a few where I’ve had the honor of guest posting for the stars.
Come hang out with me for a while. I’m sure the ride will continue to be an interesting and enlightening one. And we just might learn a few things together along the way!
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Disclaimer: I’m not a financial planner or certified money expert. Any recommendations or advice presented within the content of this blog are based on the experiences of the author.