classical_Liberal's Semi-ERE

Where are you and where are you going?
classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

@ Gilberto de Piento
I agree wholeheartedly with your assessment of the situation, next time I should probably be less of an ass in how communicate it with the GF. Since Yellowstone/Tetons is further away, we will focus our trip on that area. If time allows we may stop in the Black hills on the way back. Luckily our current work location would allow for shorter trips to the Black Hills area; it's only about 5 car hours away vs 9-10 to Yellowstone. I think having 10 days grouped together is a better fit for the farthest locale.

@Fish
Good thoughts and advice, as always. I hope all is well with you!!

Regarding the sabbatical time: #1 is possible, but not from paid nursing. It's a huge PITA for foreign licensing and the pay is not worth it anywhere but US and Canada. Although both of us have considered volunteering for an NGO. Doing some good plus getting free transport/lodging for a portion of the trip would definitely be on the table. #2 We have a pretty good thing with separate finances. At my old age (soon to be 42!), I have fears of seeing financial ruin on top of emotional struggles if the relationship should ever turn sour. I've seen this happen to too many men I know as they approach middle age. With too few years to recoup, it's a risk i'm just not willing to take. As I recall there was a recent heated discussion on these boards about the risk men take with marriage and combined finances. I'm just too lazy to look for it at the moment, but the sentiments expressed is where my thinking lies, although if children were in play (they won't be) it would change everything. If we were to break up with separated finances, I'll likely do the sabbatical myself. #3 is great advice! It's something we have considered before. Short, closer to home, trip to test the waters. My biggest concern being we enjoy it too much and have a difficult time returning so quickly. In Phase I, slow traveling the US is part of the plan. The GF really wants to do an East coast run for a year, following the weather with her contracts.

Regarding your other thoughts, these are all possibilities. I absolutely agree that any systemic events leading to a failure of SS will be highly correlated with poor performance in other assets. I'm not really sure how to protect myself from a rapid decline of western society. It seems to me any financial, or even hard assets, could potentially be at risk in the 10-20% chance (purely a guess) modern society sees and abrupt change in the next 40-50 years. I'm not really sure having 20, 30 or 40X spending saved will make much of a difference in those potential events. It seems planning the need for income will likely decrease fragility in a slower decline situation vs resting on laurels (assets). Of course, this is what makes ERE unique in the FIRE world, most ERE'ers plan for some form of an income leg, mine is just more of a necessity. With regards to a total SHTF scenario, I have always thought there are two strategies; hunker down or be mobile. I would choose the latter and hopefully parley the small amount of physical gold and cash I hold with valuable medical skills into a reasonable situation in the new geopolitical environment.

From a medical standpoint, I can easily absorb a 10K bronze plan deductible if hit by a bus. I'll gratefully return to work for awhile after I recover to recoup the costs. I'm more concerned about contracting a more lingering chronic condition. 10K every year is another thing entirely! This would require an entire rework of plans. Generally speaking, an expensive chronic medical condition is also highly correlated with decreased ability to live the lifestyle I enjoy. So if such a thing happens, all bets are off. My best strategy is prevention, semi-ERE is far more conducive to maintaining personal health than FT work. In any event, the odds of being hit by a bus or accelerated Western civilization decline will start pale in comparison of chance for good, old fashion death as the years progress.

There seem to be so many anecdotes of folks who ERE, then end up plugged back into the economy with substantial earnings later. It wouldn't surprise me If I follow that tune with yet another career of some kind down the road. It's happened to me in the past (well before I'd ever even heard of ERE of FIRE), this time I'm just much more financially prepared. The need for a balance between YOLO and strategic planning is obvious. For now, this seems like the best option for me.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

Tracking Chart Alteration 5/24/2018

I've modified the tracking chart. The band lines actually haven't changed much, but I decided to change the reasons for placement. I'm posting this change right away as I want an apples to apples compassion for easy reference going forward.

Reasoning:

1) I've done a ridiculous amount of historical modeling with portfolio charts, Cfiresim, Fircalc and ERN's WR rate alterations for CAPE and inflation adjusted annuities (ie SS). I realize 3%WR is a ERE thing, I also realize I will not get historical average returns. However, I just don't need average returns, all I need is the worst cases historically, plus half my SS to be relatively bullet proof with a 4% rule in my situation. I have changed full FI to 25X and adjusted my SS band to reflect 25X minus 50% SS as well.

2) I have increased my annual spending needs to 20K (from rolling 12 mo of 16K). This change will hold until I actually have 12 mos of rolling spending data post semi-ERE. Even though I've run through expenses with a fine tooth comb, I'm just not going to make assumptions going forward based on a one of my better 12 month periods while i'm still working FT. After I have the first 12mos of rolling data I will adjust the bands to show real post Semi-ERE spending.

3) Lastly, network dropped by 2.5K because i still have a student loan for that amount. It's currently in the final process to be forgiven by the generous US taxpayers for my five years of service as a direct patient care RN. 5.5K of this loan has been forgiven in previous years, so I don't anticipate any hang-ups. I've not previously included this in net worth, but will add it for the time being.

Final chart:
Image
Obviously with the spending increase it's noted I have not reached the minimum for semi-ERE under the new bands. The new minimum amount will be met by plan execution in 3-12 mos.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

Update 6/13/2018

Semi-ERE continues to progress. Student loan forgiveness is completed. I’m completely debt free for the first time since about 1999, which is right before I purchased my first home/new car and began my ill-fated experiment with normal consumer-driven, suburban lifestyle. It felt really good for a couple days, I was actually kind-of giddy. Since this was a long anticipated outcome, nothing really changed and the burst of happiness quickly faded.

Tracking chart:
Image
I’m up in NW by about 7K

The GF and I secured a 3 month lease on a slightly larger duplex near my current place. The decision was made (mainly by her) that it would be good to move into a new place vs her to mine or mine to hers. This is to make it feel like a new home for both of us. It’s a reasonable psychological move and I’m happy to comply. The move will probably cost a couple hundred, but rent/utilities/ internet will drop from about $600 mo now to $350 mo post move. Now that housing puts me w/in reach of a 1K monthly spend, food will be the main obstacle because, although I intermittent fast, I like to eat well and what I want for the daily meal.

I just returned from a 10 day trip to Yellowstone/Grand Teton area with the GF. During the trip we stopped at a few other areas including North unit of Teddy Roosevelt National Park, and a beautiful state park in Glendive MT. Once at destination, we camped mainly in national forest land around the two parks, but did splurge for a hotel one night in Jackson WY. The GF enjoyed the touristy atmosphere of the town, I enjoyed the beauty of the area.

Yellowstone proper is very much a cluster of tourism and traffic jams. The grand loop around the park leads to the most famous attractions. After a day of that, we had enough and left the park for camping in forest land which surrounds Yellowstone on all sides with planned, strategic reentry at various points in the four park entrances to do some day-hikes. Hiking was much better in that there were very few people out on the trail compared to those driving around and stopping for an hour or so to enjoy the main sites, only the 0.1%ers got more than a mile away. The geothermal activity in Yellowstone is impressive, but the natural beauty and animal life was better at Grand Teton to the south. GT also has the advantage of being less popular/famous so the hiking there was more isolated.

Some pictures:
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It took me two or three days before I was truly able to relax, but the last week has been great. I feel like myself again, only to restart work tomorrow with a week straight of 12+ hour daily shifts. I do not feel ready and would have preferably taken another week or two, but I really wanted to keep my contract extension at current hospital and ceded to their preference which was I return more quickly. I also agreed to work as charge nurse for the unit on an intermittent basis. Although I prefer not to have any management duties, I have experience in this and it makes me more valuable to them for future extensions.

In the near future we both have contracts into the beginning of September. Plan remains to stick out this location for as long as possible, which could be until March 2019. GF likes her job here and I find mine tolerable. COL to wage is very favorable for both of us. At this point, each 3 month contract extension is allowing me to save an additional 17-18 K towards Semi-ERE fund. GF is seeing similar results in student loan reduction. So I am putting up with the drudgery. The life of salary-man continues… for now.

wolf
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Re: classical_Liberal's Semi-ERE

Post by wolf »

Debt-free...well done! I follow your journey of "semi-ERE" because it is marked with milestones along the way. And that is also something I prefer.

I think you made the right decision to move together in a new home. Unfortunately I didn't do that with my last GF and I think that was one reason why we broke up the relationship.

The pictures are beautuful. I like the beauty of the National Parks in the US. If you visit further parks, please post those pictures also.

Take care in your salary-man-job. It is the same for me, but you and I do have milestones in sight. Step by step from milestone to milestone! The journey continues.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

@wolf
Thanks! I'm curious, did you not move in with your GF at all, or just move into one of the homes you had occupied before? Why do you think that caused the breakup?

Seppia
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Re: classical_Liberal's Semi-ERE

Post by Seppia »

Great update, Yellowstone/Teton is the best.
DW and I didn’t go too far away from the main paths because we were afraid of bears (but then we have no problem diving with sharks, go figure), but still had a great great time.

Of course I’ll cook pasta or other stuff if you come visit :)

Regarding your plan: I know it would not work for me*, but it doesn’t sound unreasonable provided you still have some margin of safety, which you seem to plan for.

*I know it’s me that has a problem though, I ALWAYS add many more margins of safety than necessary

wolf
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Re: classical_Liberal's Semi-ERE

Post by wolf »

She moved into my apartment (2.5 bedroom) where I have been living for >5 years. So almost every room was already decorated and had its function. I am a person who favours function over aesthetics. She on the other side wanted to decorate everything. She also had to let go of many things of her last home. So if she wanted to change something of the Status Quo, I felt that I loose something. And she always had to "fight" for the change. There were many arguments about trivial things. I guess she always felt like an intruder. It didnt become her home too. Although this was the best financial setup (very low monthly home costs bc. no rent) it was obviously in retroperspective a bad setup for our relationships. One reason I think that caused the breakup was my inflexibility with her needs and wants. I couldnt communicate to her the win-win-situation. For her it was win-loose. I should have tolerated more things like decoration...and let go partially in function and efficiency. But we didnt struggle only with housing, there were other issues too. But housing was a big issue because you live there for >16h p.d. together. It was also a relatively small apartment for two persons.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

@Seppia
Yeah, my GF wanted to buy bear spray. I was waiting in line to get a trail map and saw a ranger provide a demo for a couple who had just purchased it. The ranger said he has crossed path with bears dozens of times and never had to use it, just made noise. Made my decision easy... not need! :lol: There were a few time on the trails I could visually tell GF was nervous, so I wish I had bought it for peace of mind. If I ever did multi-day hikes out there I definitely would.

Agree my plan is ambitious. It took me a few years of hanging out here to realize that it wasn't work/providing value/earning money I dislike. I actually kind-of like those things. I dislike feeling like I have to earn a certain amount for the future, earn it the most efficient way, on other peoples terms, and work all the time. Semi-ERE lets me do it my way on my schedule. I still feel the spending side of the equation is the most important. Sure, I'll have 250K+ in the background doing it's thing, but the true freedom is only needing to earn 15-20K to surpass providing for all of my needs.

@wolf
Thanks for the recap! I think your description is exactly why the GF wanted to do what we did. Glad I listened to my gut and her (rather than the spreadsheet) on this one.

2Birds1Stone
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Re: classical_Liberal's Semi-ERE

Post by 2Birds1Stone »

Those pics look amazing. I personally approve of your plan =)

At our expense level, it doesn't take much to get by :)

We will be at 15X combined expenses when I take my first 4 month sabbatical, I wonder if my desire to go back to FT work will change during that time =D

I need to find something like contract work, but in sales.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

Update 8/7/2018

Sorry, no fun trips or pictures this time.

I did move in with my GF about 3 weeks ago. So far all is well. I’m attempting to adapt to having less alone time, while simultaneously enjoying the fact that household duties are split. Meaning I don’t have to stress out about getting something done in the middle of a long run at work. I think we are growing closer still, and it doesn’t appear she was hiding any extreme annoying habits/lifestyle items. So far this has been a net positive.

My GF has officially gotten her paperwork for an extension until mid-December, I have verbally been given the OK on mine, but not yet official. I managed to get about a $5/hr raise on the next contract because of my willingness to work charge nurse. It didn’t really seem like much, but it’ll work out to enough post tax to cover all of my housing/utility expenses, so I can’t complain.

Tracking graph:
Image

YTD SR 75.75%

11.34 years of savings based on 20K semi-ERE spend (20% higher than current 12mo rolling ave)

The red line is very close! As a result I’ve been beginning to consider my semi-ERE options. While a 6-12 mo sabbatical is a given, I’d like to have some type of plan afterwards to bridge what will be a couple more years of GF’s accumulation period for a Semi-ERE of her own.

I’ve been doing research on happiness/contentment, as well as burnout and work exhaustion. I’m trying to figure out if nursing will be a viable option in the future for PT or intermittent work. It’s hard to tell at the moment, but a couple of things stick out. The first, if a period of time off doesn’t reinvigorate a person, research shows they are likely burned out. I’ve had the opportunity to take a month off and an additional two weeks later this year and have still not felt good about returning to work… Bad sign. The second being, when burned out, it’s common to have nothing (ie no other work options) that seem enjoyable. I also feel this at the moment, despite previously having many other interests, I find myself glaring aimlessly through job lists and Indeed. Nothing sounds fun. Second bad sign for continued nursing.

On a positive note, my happiness research has shown there is a large U-shaped, life-long happiness/contentment curve when accounting for all other variables. I happen to be at an age in the very bottom of that curve. So perhaps it’s a phase of life thing vs career burnout that has me down. Secondly, the research also shows life satisfaction is far more dependent on social contentedness/capital than it is on financial capital past having enough for food, shelter and to maintain status in peer group( the last is social as much as financial). Outside of my relationship with the GF, I have severely neglected my social relationships for the past 3-4 years. Too much effort into the financial accumulation.

So… there’s room for improvement and actions I can take to break my malaise outside of waiting to Semi-ERE. I’m moving from learning theory to practice in this realm. Still, I’m stuck in the catch 22 of not being willing to pull the plug on the cash cow of my FT employment without a plan, and unwilling to make a reasonable plan because I’m probably burnt-out with my current employment. Hopefully focusing on something else (ie social life) for a while will do some good. If not, I may have to eventually jump without knowing what net (other than a quarter million in financial assets) will catch me.

I should have some pictures next time. I have an extended weekend planned for GF’s Bday on Lake Sakakawea.

trailblazer
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Re: classical_Liberal's Semi-ERE

Post by trailblazer »

I'm still working on a response to the thoughtful comments you left on my journal, then read this, and am thinking I might just say "see this" in my journal response. :D
classical_Liberal wrote:
Tue Aug 07, 2018 2:13 pm

I’ve been doing research on happiness/contentment, as well as burnout and work exhaustion. The first, if a period of time off doesn’t reinvigorate a person, research shows they are likely burned out. I’ve had the opportunity to take a month off and an additional two weeks later this year and have still not felt good about returning to work… Bad sign.
When I "retired" last year I was definitely burned out at the start. But somewhere between 6 to 9 months later, I was eager to start working again. An interesting opportunity came along and I dove in.

Presently, I just took one week of vacation. After that week, I am eager to . . . take another week of vacation.
classical_Liberal wrote:
Tue Aug 07, 2018 2:13 pm

On a positive note, my happiness research has shown there is a large U-shaped, life-long happiness/contentment curve when accounting for all other variables. I happen to be at an age in the very bottom of that curve. So perhaps it’s a phase of life thing vs career burnout that has me down.
I think we're in fairly similar phases of life, and this is good to see. Kind of the somewhat youngish middle age version of being a 13 year old.
classical_Liberal wrote:
Tue Aug 07, 2018 2:13 pm

Secondly, the research also shows life satisfaction is far more dependent on social contentedness/capital than it is on financial capital past having enough for food, shelter and to maintain status in peer group (the last is social as much as financial). Outside of my relationship with the GF, I have severely neglected my social relationships for the past 3-4 years. Too much effort into the financial accumulation.
Likewise. I have ignored this the past few years, and work has provided just enough of a simulated social life. Thus I am now paying the price and am dependent on having some sort of work lest this go away. The last month or so I've started making it a pretty urgent priority to work on having meaningful engagement with people about something other than work. Mostly it's just shown me how much I need to work on this, but I'm excited to be moving in the right direction and have had some solid interaction with people I was neglecting. Next step is to start building new relationships as well.

Getting through the "teenage years," having 250K+ in the bank, a robust set of relationships and otherwise being in good physical shape seems like an awesome foundation and I suspect finding the ideal work structure (part time etc.) and accumulating millions may be secondary concerns.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

trailblazer wrote:
Wed Aug 08, 2018 11:26 am
Likewise. I have ignored this the past few years, and work has provided just enough of a simulated social life.
Simulated...

This made me do an inventory of good friends throughout the years. I move around a lot, but I basically thought about anyone I was close to for at least a couple of years, and if I was in town could still shoot them a call and they'd still really want to see me. Of these "good friends", about two thirds were either directly or indirectly (friend of a friend, client, or networking) met through work... Including my GF, with whom I was set up from a coworker in a previous assignment.

I wonder what this says about my life? The importance of work in social relationships in general?

suomalainen
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Re: classical_Liberal's Semi-ERE

Post by suomalainen »

As external conditions change, it becomes tougher to meet the three conditions that sociologists since the 1950s have considered crucial to making close friends: proximity; repeated, unplanned interactions; and a setting that encourages people to let their guard down and confide in each other
From here

2Birds1Stone
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Re: classical_Liberal's Semi-ERE

Post by 2Birds1Stone »

Wow, looking at my friendships over the past decade.....almost every single one was a result of my job/career. Even my fiancee I met at work nearly 8 years ago. All of my closest friends but one have been coworkers first.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

@suomalainen
Thanks for the link. I remember reading about those conditions you had quoted before, although I can't remember when or where. It certainly rings true anecdotally, and also makes sense from a standpoint of middle class in the US. People rarely hang out with their neighbors, but happy hour-type events with coworkers who they see daily are quite common.

@2B1S
I'd be a lot closer to 100% as well if it wasn't for efforts I make to meet non-coworker folks when I move to new areas. Meet up, or "club" type of events I attend out of necessity, ie i know literally no one in the area. Back when I was static geographically, but not near where I had grown up, pretty much all my friends were coworkers or previous coworkers.

In any event, I turned down a happy hour even this week with coworkers in favor of spending some time on the phone talking to some older good friends who are not local. One decided to take his LSAT and is starting law school this month (I had no idea), another had just gotten a new job as well and is spending a month of training in Chicago.

7Wannabe5
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Re: classical_Liberal's Semi-ERE

Post by 7Wannabe5 »

I am sure I have mentioned it repeatedly elsewhere on this forum, but I highly recommend "Personal Village: How to Have People in Your Life by Choice , Not Chance", by Marvin Thomas. The author is an engineer turned therapist, so he offers very practical advice on the topic.

Given your overall preference for mobile, minimalist lifestyle, I think what you might have to do in order to maintain long-term friendships is establish a 3rd place, and take responsibility for establishing tradition of inviting people to join you there. For example, rent the same cabin in the woods for the first week in July every year, and keep inviting everybody who does show up, and then invite extras to fill in for absences and attrition.

trailblazer
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Re: classical_Liberal's Semi-ERE

Post by trailblazer »

classical_Liberal wrote:
Thu Aug 09, 2018 12:40 am
I wonder what this says about my life? The importance of work in social relationships in general?
Most friendships probably aren't created just because you happened to pitch your tent next to someone while hiking the Appalachian Trail, or bumped into them in a youth hostel in Thailand, and magically hit it off.

When I think of my friends that don't derive from work (a very small percentage), even these typically come from some sort of purposeful situation such as an extended volunteer project or being in a school-related group/team of some sort.

I guess the basic lesson is never stop "working" . . . you can stop paid employment but need to be engaged in purposeful activity of some sort.

classical_Liberal
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Re: classical_Liberal's Semi-ERE

Post by classical_Liberal »

7Wannabe5 wrote:
Sat Aug 11, 2018 5:51 am
Given your overall preference for mobile, minimalist lifestyle, I think what you might have to do in order to maintain long-term friendships is establish a 3rd place, and take responsibility for establishing tradition of inviting people to join you there.
This is actually a fabulous idea! When I'm honest with myself, one of the major reasons a mobile lifestyle was so appealing in the beginning was the idea I could go and hang out with family and friends who have dispersed across the country for extended periods of time. Of course it didn't really materialize how I had thought, mainly because I followed the money trail instead.

The only obstacle to such a thing is the cost (for myself to putting it together and for others to travel there), but I'm sure I can piece together an efficient way of doing something like this. Since many of my family is still Midwest based, simply choosing to live in a warmer winter climate for Jan or February would really have the potential getting folks to come and visit.

I also plan on reading the book recommendation, thanks.
trailblazer wrote:
Sat Aug 11, 2018 8:29 pm
Most friendships probably aren't created just because you happened to pitch your tent next to someone while hiking the Appalachian Trail, or bumped into them in a youth hostel in Thailand, and magically hit it off.
Yeah, I'm not quite that idealistic. But I think more friendships should be based on things a bit deeper than, "he sits next to me at work". I think it's a cultural metric. In the US (particularly urban/suburban), we value work and income generation, not necessarily value generation (although one could argue they are closely related in capitalism). In cultures who value family more, extended family form the basis of close social networks, etc.

I guess I'm not judging, just a bit surprised because I thought my values weren't quite so work-centric. In evaluating my friendships, I think I was being dishonest with myself. It's important to know such things if I am planning on scaling back that part of my life. ie what holes will I need to fill and how deep have they been dug?

2Birds1Stone
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Re: classical_Liberal's Semi-ERE

Post by 2Birds1Stone »

I was lucky enough to get introduced to triathlon (by a corworker, LOL), and am now in a team/training group of 200+ local athletes. Just in that group I've made 4-5 closer friends over the past 3 years.

Then there is MTBing, I've been some super cool people through group rides. You get invited to a ride, or invite someone new, and when you spend 1-2 hours at a time in the woods together, you get to know people pretty well. You are also supporting each other through some physically and technically challenging activities so there is that bond of a common goal.

I think I notice a pattern that friendships form as the result of repeated interaction, which can be difficult when you are always on the move. I think after periods of perpetual travel, having a home base to return to where you have a strong social network can bring meaningful life satisfaction. After all, what good is such a diverse life if you have no one to share it with?

Jin+Guice
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Re: classical_Liberal's Semi-ERE

Post by Jin+Guice »

I just finished reading through your whole journal over the past week and a half. After your comments in my journal and in other threads I realized that we were likely on similar paths and we are. I currently work in the medical field as well although I am a contractor/ technician in the OR. I am PRN, down from being part-time in training and I'm extremely happy I made this decision. I am also pursuing semi-ERE and not ERE. I consider myself already semi-retired, though I do not draw down on my investments and am still technically in the accumulation phase.

My initial comments on your journal are this:

1) You are really hard on yourself. You are doing a great job man! You have so much money saved and a job that you seem to really like and a girlfriend you seem to really like. You seem to be mad at yourself for trying out so many careers but I think this is a good thing. You can never be 100% happy with anything but it seems like you've found something you really like. At the same time, you shouldn't assume you're tied to it forever.

2) In the past you have repeatedly asked for folks to be critical of your semi-ERE plans because they aren't conservative enough. I'm not a good person to ask for this kind of critique, but I feel you are being way to conservative. You are really close to that $250,000 goal, which is a huge milestone, and if that is mentally important to you (not a criticism, I like round numbers too so I'd try to hit it as long as you'd hit it in the next year), I'd wait until you cross it. OTOH, you have a ton of money for semi-ERE. The real freedom is the ability to work 20h a week for $15/h (I'm guessing if you keep RNing your payrate will be much higher), and cover your expenses. I think you are in much greater danger of burn out than running out of financial resources. Inertia is also powerful. Jacob has talked about the difficulty for many in actually drawing down on their portfolio. I'd say the same for a reduction in SR and moving from full-time to part-time. This is something I struggle with too.

3) How is your current goal of $1,500/ month going? I did think your previous spending seemed a bit high before but this is a very personal thing and also relies on my frame of reference. From your 2017 budget your food and entertainment expenditures and gf expenses are the areas I would focus on most, it seems like you had the same idea. Is it possible/ desirable for you to go car free? It's much easier to spend less when you work less.


I'm bummed to see that you were in NOLA for Mardi Gras, I would've loved to engage in some frugal debauchery together. Astute observation about the libertarianism, I often refer to New Orleans as the libertarian's paradise, which confuses everyone because we are one of the bluest cities in America. If you ever come back hit me up.

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