Early Retirement Extreme Forums

Entry 14: A sigh of relief in the Morning Sun Current Goals (progress): 100k in Net Worth (-9k/100) -6k Bodyweight Target: 118 (168) -2 Lb Target Savings Rate: 78% (Debt paydown phase; ~15%) Target Resting Heart Rate: 40bpm (63bpm) -8 --Money-- Finally, the last month that I will have to maintain mu...

https://www.insidermonkey.com/blog/5-countries-with-the-highest-savings-rate-in-the-world-1283903/5/ It's a bit of a clickbait article that you would find anywhere on the internet, but I found it fascinating that these countries with extremely high savings rate mostly all share a common ground of be...

Great journal. I am catching up on your entries and came across the above when you were discussing your various bucket strategies. Since you know about $BOXX (what a great investment product!) you are familiar with the concept of a box spread. Interactive Brokers does have competitive margin rates ...

Entry 13: Peering over the ridge Current Goals (progress): 100k in Net Worth (-3.5k/100) +11k Bodyweight Target: 118 (170) -1 Lb Target Savings Rate: 78% (currently 32%-ish.) Target Resting Heart Rate: 40bpm (71bpm) +1 --Money-- An excellent month! Full-sized paychecks starting to come in, and a siz...

That's a strong endorsement of externalizing to the tracker. Thanks. I've recently learned the word Interoception, and that mine might be impaired: https://en.wikipedia.org/wiki/Interoception It got me to strap the Garmin back on, only this time with an eye towards the daily data. It's good to see ...

Did you end up doing this? What was the outcome? Do you endorse using the tracker in this way? I've been wondering about giving my Garmin's body battery and stress level more consideration. Yes! I did, and still aim to meet or exceed my "target strain" every single day. Interestingly, the...

Each 5mg pill can now be gnawed 16.6 times! What a deal, haha. It's great that you're finding a balance that works for you. Tinkering around to figure out how to get the best possible sleep is a very high value use of time. I don't react well to melatonin, it always seemed to make me wake up too ea...

Sounds like things are progressing really nicely for you, that's great. I hope your coworkers cut you a little more slack, onboarding is hard! This article makes a compelling case case that 5mg of melatonin is overkill and the ideal dose is just .3mg. It seems worth exploring to make sure you're no...

My Brompton folding bicycle. I bought it as a student. Combined with public transport, it gets me almost everywhere I want. Less time, money, CO2. Oh, this sounds great! I'll definitely be putting a folding bicycle on the list. In the past I've had many of my bicycles stolen, but maybe I would have...

What is your time-vs-value tradeoff looking like? Some things save time but not money, and others save money but not time. There are very few consumer goods you can buy that are actual productive assets. For me, from most to least rewarding, by multiples of savings over cost: - An engagement ring.....

Entry 12: Digging Out Current Goals (progress): 100k in Net Worth (-14.5k/100) Bodyweight Target: 118 (171) Target Savings Rate: 78% (0%) First Paycheck of new job arriving in a few weeks! Target Resting Heart Rate: 40bpm (70bpm) +0 --Money-- My net worth progression is extremely poor. -14,500 usd a...

I'm looking towards proton to diversify and secure those services. Though it introduces an alternate problem. If I lose my encrypted data credentials - nobody is saving me. I need to take ownership of data continuity. So I actually bought proton ~6 months ago and I enjoy it. It was ~250 bucks for 2...

I don't think Amazon is necessary to my life. I know Meta is not. A Google or Apple may be. Oh, how funny, as I'm the opposite. Amazon is absolutely essential in my current stack, both for consumption (amazon.com) and career (AWS). I actually nuked meta and apple already, and am maybe a year or two...

Exactly my reason for wanting to run old and new in parallel. Basics like the internet and webcam will probably be fine. Telehealth visits? The two factor authentication key? The automatic online data backups? The jabra speaker phone? There could be gotchas that take months or years to present. I'v...

Also, remember what Derek Sivers says about money: "Money is a neutral indicator of value." The work you can perform is valued at whatever the company offered you. That's good. It has nothing to do with deserve. Ooh, this is a weird one for me that brings up mixed feelings. On one hand, f...

The CEO was from the game industry and said he tried to run the company like how video game companies are run, ie, very "lean" and "efficient." Despite all of that, I did think it would be a good opportunity to grow some skills and wear some new hats, but you can see how this is...

I interviewed for a startup, and they really liked me and I think they were going to offer me a job, but I told the recruiter the timing of the job change would no longer work for me. I'm also going to try to network with other developers more to get a feel for what's out there better. I don't cons...

Entry 11: Fleeting Thoughts Not going to do an exhaustive update, just needing a break from packing moving boxes! I had a thought as I've been working through the process of packing up my belongings: you really have no idea how much junk you have until you start trying to move it somewhere else. Thi...

I don't mind the mess bill each month. It is part of Navy life, just like wardroom dues. Plus, the convenience can't be beat. I can cook quite well and can eat cheaply if need be. However, when you work all day, seven days a week for most of the year, having to think about food preparation would su...

Entry 10: A Flower Blooms in the Dead of Winter Current Goals (progress): 100k in Net Worth (-3.6/100) -2 Bodyweight Target: 118 (168) Target Savings Rate: 78% (0%) Not saving; currently negligible income. Target Resting Heart Rate: 40bpm (64bpm) -6 --Job Search-- Offer letter received! And it is MU...