Reluctant to FI

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Corporate America

The day D came home spewing what he learned about this concept called Financial Independence I brushed him off thinking “here we go again.” See, D has always looked for a different way, he always wanted more, he always wanted a way to make money that wasn’t through traditional means. Clearly, D seems much more ambitious than I do but I would just call us… different.

Growing up I craved stability. I grew up poor. Very poor. We lived in multiple places with multiple evictions. We ended up virtually homeless but were lucky enough to have family with a room that we were able to stay in. A room for 7 people. A room with no windows. But a room, nonetheless.  I grew up hoping that I would have hot water that day so I could hopefully have a warm shower. I heard my friends talk about having the same house, the same bedroom their whole life. That sounded like a dream. That was my goal.

I just wanted to have that 9-5 with a set salary and room to grow. That’s how I would achieve my goal of stability. Work hard, continue moving up and I could provide that stable life for myself and my future family. And most importantly, I would have that salary. I would be in control of my life because I would be the one to finance it.

So here I am at 30 years old, working a 9-5 at a company I have been with for 9 years seemingly achieving my goal. Making more than enough money to contribute to my family’s middle-class life and provide that stability for my son. I did it. I made it. Yes, there were still money concerns but we were comfortable and happy. Or at least what I thought was happy. We still had to go to work everyday but we had a life that I dreamed of since I was a young child.

And then my husband comes home with what sounds like a radical idea, Financial Independence, and I think this guy is insane. Yes, on paper this sounds ideal, work hard, live minimally yet happily, save all that you can and then retire early. But there are so many variables, so many risks. Why would I risk what I have worked hard to achieve for this life that doesn’t offer stability?

The answer became very obvious when I thought of our son and our growing family. You can’t get time back so now my goal is to spend the time we are given on our terms and not someone else’s.

D and I may be very different but we definitely have one common goal and that is to raise our family to the best of our ability and to guarantee we are putting our family first, always. With our goal of financial independence, we will do just that. And who doesn’t love a good spreadsheet and hitting some goals? I know I do. 

We have already hit a little above 15% of our FI number, we are on our way! Join us for the ride.

-N-

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