Hi. I’m Mr. Everyday Dollar. Nice to meet you. I am here to teach you how everyday decisions lead to financial independence!
You may say, “Mr. Everyday Dollar, how will you do that?”
I can share with you what I am doing that has me well on my way to financial independence. And I got to thinking, if I figured this out and am making smart, everyday decisions with my finances then you, my reader, are just as capable! I want to share my experiences with you so you don’t have to be a wage slave your whole life. So you can live the life you want, do the things you want, choose to spend your time how you want and not in some stuffy office off the interstate. And if what you want is simply to wake up at noon and then proceed to rake leaves in the front yard in your pajamas then so be it. Mr. Everyday Dollar will get you there.
Next you say, “Well Mr. Everyday Dollar, that sounds all nice and dandy, but why should I listen to you?”
You don’t have to listen to Mr. Everyday Dollar. However, check this out. I will outline a bit of my personal history for you. I joined the professional workforce as a bright eyed and bushy tailed college grad. I signed up for a 40 hour a week job soon after graduation; in fact my start date was June 11th, 2001. That puts me at 11 years, a whole decade plus one, in the rat race. In the back of my mind I always had this idea of retiring early. That was my dream. But I was working, making good money, and hey, I should be rewarded for all that hard work by eating at fancy pants restaurants, traveling the world, racking up huge bar tabs, and driving expensive cars. And I was doing all those things. The more money I made the more money I spent. And one day it hit me like a pillowcase full of pennies! I can not live this fancy life if I want to commit to retiring early. And I was ready to commit. I couldn’t see myself working until I was in my 60’s hobbling around on a cane with monocle in hand. It didn’t seem right to me to trade the majority of my life for some dollars.
So now you are saying, “That sounds just like me! I always wanted to become financially independent and to tell my boss to shove it! How are you planning to do that with bills, and food, and healthcare, and clothes, and vacations, and car payments, and all those other things that you have to spend money on?”
Easy! Mr. Everyday Dollar does it by eating cat food and wearing potato sack outfits. I’m joking! He still has bills, still eats food and goes out to eat – he loves gourmet food by the way, still has to pay for healthcare, and buy new things, and chooses to go on vacations. But he is thinking about every dollar that is leaving his wallet. He is becoming financially independent by:
1. Spending less
2. Saving more
3. Investing what he saves
It is that simple! And he is currently planning on being out of the work force in 9 years which puts him at a healthy 20 years in the rat race! And according to fancy investment calculators it might even be sooner than that.