19 year old girl from Greece, creatively inclined, dissatisfied with modern work culture. How do I get a head start?
Posted: Thu May 15, 2025 10:44 am
Hello early retirement community, and hello Jacob! I discovered the ERE book from a YouTube channel I like to watch called "Spencer's Adventures", which is mostly about reducing technology use and minimalism but occasionally touches on frugality. I have been dissatisfied with work culture since I was old enough to understand the concept of careers (late elementary - middle school) and I've been more dissatisfied since the crisis in my country after realizing how much people where I live work and for how little. It took me years to understand that even "comfortable" middle class people with cars and ranch gadgets are one missed paycheck away from homelessness. The government in my country is thinking of implementing a six day work week, and Greece is already one of the most hardworking countries in Europe, if not the most, if I remember correctly. That combined with hearing the experiences of the adults in my life who worked corporate or private sector "traditional" type jobs made me feel that I'm not a great fit for that kind of lifestyle.
I remember signing up for my school's choir and dance class in preschool and also to be my school band's percussionist "so I won't have to get a normal job when I grow up". I remember participating in each and every play my school had every summer until I reached high school and mandatory theatre/choir participation was no longer part of the curriculum. Whether I literal toddler had the discipline to stick to things consistently enough to make fast progress is a different question, and of course I didn't have the lung capacity or physical strength to learn classical technique yet either. And of course that is a very simplistic way of thinking for a kid, a lot of people know how to sing or how to play an instrument at a rudimentary level but there are a lot of genetics and natural aptitude and depending on where you live market competition involved in becoming a professional performer in some. I'm not discussing mainstream entertainment here, - by watching the Grammies or taking a look at the existence of people like Ice Spice it is evident that raw prowess, virtuosity and healthy technique has little correlation with who becomes a mainstream entertainer. I'm talking more about classical music or theatre type performance where some level of raw ability and virtuosity is required. As I got older I realized it required quite a lot of dedicating and practice to become employable in any of those things, and that also means quite a bit of spare time and money. I've got much less of a problem with the money part as musical studies and even sports to an extent are often subsidized by the government here in Greece, but I realize that after I enter my working life as an adult I would like to be able to afford to work less to be able to make more progress on my craft faster.
I was told by my family or it was heavily implied that I'm pipe dreaming and I should get a "practical" career like becoming a social worker or a teacher or to "study psychology". In Greek high school you have to chose a direction during the second year and I chose humanities and social sciences, that is why. Now I believe these professions are neccceary for the world to function and we need people of all sorts of different temperaments and abilities for society to sustain itself, - but I believe it takes a special kind of person to work in one of these sectors and I simply do not believe I have what it takes. Social workers and counselors deal with a lot of horrible things on a daily basis and see some of the world's most vulnerable people at their worst, and those who do not have what it takes to do those professions often deeply regret choosing them solely for the paycheck. And teachers have to deal with the whims of young children, with extra work at home and with having low pay. I absolutely believe these people are valuable and in fact offer far more tangible worth to society than I ever will if things go according to plan, but I simply do not have what it takes to be a teacher or a social worker and I believe none of these vocations should be chosen solely for the paycheck or as a mere backup plan. If you want a safe backup job, become am accountant or something.
According to my teachers I show a lot of potential for a professional career, - and I get this even from teachers who are very honest and would never downplay something even for students with a fragile ego, and I've been told "I have a very fertile ground" (figuratively speaking). My only issue is the discipline and dedication aspect which I struggle with even with things I genuinely enjoy, which I've somewhat fixed, and then there's the ability to afford to have enough spare time to actually practice consistently and seriously to become employment. Due to the nature of classical voice as an instrument a lot of singers study seriously during their working careers as grown ups (I don't have the time to explain the mechanics and logistics of it all but you can probably infer why). I've also talked to instrumental musicians (ie strings, woodwind, brass) who were pushed by family to work other careers but did auditions and made it work afterwards while working. Therefore my goal is not to fully retire early, but to be able to drastically cut my living expenses so I can work less and afford to hone my craft. And if that means less fancy gadgets, clothing and material possessions or even a smaller nontraditional living space, I am okay with that. Even if choosing a career I am called to means I might be earning less than the people in tech and finance, who can afford pretty cars and suburban homes, I am also okay with that and would in fact infinitely prefer it over working a soul less corporate job I do not feel called to and built for.
I had a difficult childhood (massive story, might share a different time) and I didn't get to play and enjoy myself when the time was right and now I seel out that joy and role play element in my work. I lost my childhood to mental illness and having shit deadbeat family and being exposed to drugs and the like since the womb, I will not lose my adulthood to working to I can buy fancy crap. If following my gift from god as a vocation means I may be earning slightly less than the median wage and will not be able to amuse myself with adult toys like cars and overpriced Italian garbage, that is something's I have to be okay with and learn to live with. That's how it is, sometimes your desired career choice that is your divine calling and your true vocation does not always align with that pays the most and you have to be okay with that and learn to make do. Like a schoolteacher or a social worker, you're doing a service to the world and you may feel called to work with kids or vulnerable people from your heart of hearts but you have to learn to make do with a slightly less than average wage, - if you sincerely want to pursue your vocation to help over a fancy finance job and a McMansion in the suburbs. It's your choice to make and ultimately there is no right and wrong. People just have different priorities. I like to think that people are a lot more adaptable and flexible than we make them out to be and that in times of trouble and recession or in situations where people don't earn much we humans learn to adapt and be clever and be a lot more thrifty and mentally flexible than if they were earning 500k a year and had a house with a pool. That is what makes humans human, we learn to adapt and to make do and to be content with our available resources. Okay I yapped a lot but you get my point, the point I'm trying to make is that something akin to massively cutting my expenses and reassessing my wants and needs, and potentially choosing a more minimalist living space would give me a lot of time freedom and flexibility to hone my abilities and max out my potential and eventually move on to a career I truly want. If I earn less than the average person something like barrista FIRE and having a nest egg would allow me to do what I am called to do for a living without having to worry about living on what is essentially akin to a school teachers salary, or barely the median wage. If there is a dry spell or I lose my career to a fluke accident it would give me something to fall back on, and if I never came even close to professional level in the first place then full early retirement would allow me the ability to do what I love "full time" in a sense without having to worry about making it profitable, though I am told I have very good prospects. It sounds like a win win to me, and no matter what happens this kind of lifestyle would allow me to adapt and be content no matter my circumstances. I prefer italian arias over overpriced Italian junk cluttering my home any time of the day. If I end up blowing up against my will and making bank like Luciano Pavarotti or Andrea Bocelli that's also completely fine by me, I believe I can adapt and make do with whatever resources fortune throws at me, as long as my fundamental needs are covered. The teachings of the stoics and Seneca and Epictetus have helped me greatly.
I am currently learning interior design and I plan to specialize in the private yautch/naval industry. It is a very viable industry in my location as Greeks have always been a seafaring nation, and it's also very lucrative. It wouldn't be too difficult for me to have both a quite high income AND a very high savings rate if I pursue this as my initial/backup career. It has both a pretty high initial income and a very high income ceiling later on, and it isn't too difficult to progress in it and break into it since there aren't that many people with that skill or specialty in the first place. A ton of work in it now days and in design and applied arts as a whole is essentially remote, so commuting and paying for cars and stuff is a non issue. I want to do vanlife for a while and maybe travel around mainland Greece in a van. I've never seen most of my homeland despite having lived there for almost two decades. I'm basically about to go ovo vegeterian for ethical reasons (I watched clips of Dominion in middle school) and I'm also a practicing Buddhist which gives me more incentive. (I won't explain how that happened since Greece is 90% Greek Orthodox and there are less than 10,000 Buddhists in the entire country, but I might share my life story in general a different time. I've lived a pretty wild life which I believe has been an asset in my craft and has given me maturity and theatricality many don't reach until they're middle aged. I might share my full life story here a different time, I've lived a wild life, I've even thought of writing a memoir or blog). I imagine if you cut down the main two expenses, housing, utilities and food, a little travel locally won't break the bank.
I have learnt to make a budget and make do with less consumption even in my hobbies. Since I like reading but don't like spending 40 - 60 € a month for books, switching to an e-reader with a subscription and utilizing the library could help, and I could only buy physically personal favorites and books that left an impact on me. I like to draw and make webcomics in my spare time and can see myself breaking into the fine art world in the far future when I age out of my current trajectory, - can make do with watercolor from flying tiger over fancy oil paints and canvases. I like to write and you don't need a ton of supplies for that, pen and paper or a long lasting used laptop is enough. I like to learn languages and that's easy to do in a free or low cost way. I have no interest in streaming services and prefer reading books and manga over watching things any time, I do not plan to own a television in my adult life. I've tried getting into TV shows and Netflix and stuff but I can't get myself interested, the only exception to that is "One Piece" which you can watch for free online/on the free version of Crunchyroll. I don't care about Stranger Things, I do not care about the latest TikTok trend, and I prefer reading the manga over watching the anime and right now my #1 priority is maxing out my potential and seeing how far I can go in my current trajectory. I've tried getting myself into things like series and videogames but genuinely do not care. I have a bit of an issue with using reddit too much and taking online advice too seriously but no one's perfect and I'm working on it.
I think I'm on a very good trajectory earning potential/ savings wise and my values certainly align with minimalism and prioritizing time and experiences over material possession and keeping up with the Joneses. So mindset is a non issue for me, I do not feel deprived. I would like to ask though to what extent investing matters in the FIRE/ERE path and if you have to invest in stocks or bonds or know a lot about the stock market to make early retirement/semi retirement viable. Or if it's savings rate that matters the most and I should focus on that. Reddit says "I shouldn't get my hopes high and if I'm lucky I will be working for at the very least the next 30 years" and "people rarely live up to their childhood dreams" and "I shouldn't even think about it and should just learn to code or learn to be a plumber instead", I'm paraphrasing but that's what I'm usually told. I believe I have a good, pragmatist mindset about this at the same time without under estimating myself and giving up too early. I believe you need to know when to give up but I'm very far from that point right now. So yeah, I think I'm on a great path for everything else but want to know to what extent investing matters for FIRE and if it's just gambling with a fancier name like my uncle says it is, or if it's impossible to retire without it. I hear many contradicting opinions. If you have any good resources to share about the subject please feel free.
I live with my single grandmother at the moment (like I said, messed up childhood/home life) and while people in her family live a long time you never know what can happen so is also part of what is pushing me to pursue the ERE lifestyle, learning to make due with as little as possible, because I know what happens to dependent adults who are orphans but have aged out of the foster care system, and I want to be prepared for a worst case scenario. I have a small inheritance if that helps, and I'm technically a landlord, and I get around 500€ a month from rent. Without it I think we would be lower middle class or even struggling, and it helps pay for my part time conservatory lessons. (Greece technically lacks the infrastructure for full time conservatories akin to Julliard and the like but that's a whole can of worms). I also see much of my family close and extended being in debt and broke and would like to make better financial decisions. Neither of my parents worked or earned much for most of their lives and I'd like to turn out different. I'd like to be the apple that fell far from the tree, figuratively. I stay away from drugs and do not drink for religious reasons. I don't smoke because my voice is my instrument, it would be a shame to throw away my gift. So spending on vices is a non factor for me.
That was all I had to say, I'm heading to eat noodles and practice. I'd like to make something out of my life someday and be the only person in my first degree family who did not die in my forties fro, overdosing, I'd like to be the happy ending to my family bloodline. You can't always prevent the people around you from making stupid decisions but you can certainly learn to avoid the bad decisions of others. I believe the biggest privilege is mental health and having a good head on your shoulders.
That as enough yapp, until next time. Take care, any advice is appreciated!
I remember signing up for my school's choir and dance class in preschool and also to be my school band's percussionist "so I won't have to get a normal job when I grow up". I remember participating in each and every play my school had every summer until I reached high school and mandatory theatre/choir participation was no longer part of the curriculum. Whether I literal toddler had the discipline to stick to things consistently enough to make fast progress is a different question, and of course I didn't have the lung capacity or physical strength to learn classical technique yet either. And of course that is a very simplistic way of thinking for a kid, a lot of people know how to sing or how to play an instrument at a rudimentary level but there are a lot of genetics and natural aptitude and depending on where you live market competition involved in becoming a professional performer in some. I'm not discussing mainstream entertainment here, - by watching the Grammies or taking a look at the existence of people like Ice Spice it is evident that raw prowess, virtuosity and healthy technique has little correlation with who becomes a mainstream entertainer. I'm talking more about classical music or theatre type performance where some level of raw ability and virtuosity is required. As I got older I realized it required quite a lot of dedicating and practice to become employable in any of those things, and that also means quite a bit of spare time and money. I've got much less of a problem with the money part as musical studies and even sports to an extent are often subsidized by the government here in Greece, but I realize that after I enter my working life as an adult I would like to be able to afford to work less to be able to make more progress on my craft faster.
I was told by my family or it was heavily implied that I'm pipe dreaming and I should get a "practical" career like becoming a social worker or a teacher or to "study psychology". In Greek high school you have to chose a direction during the second year and I chose humanities and social sciences, that is why. Now I believe these professions are neccceary for the world to function and we need people of all sorts of different temperaments and abilities for society to sustain itself, - but I believe it takes a special kind of person to work in one of these sectors and I simply do not believe I have what it takes. Social workers and counselors deal with a lot of horrible things on a daily basis and see some of the world's most vulnerable people at their worst, and those who do not have what it takes to do those professions often deeply regret choosing them solely for the paycheck. And teachers have to deal with the whims of young children, with extra work at home and with having low pay. I absolutely believe these people are valuable and in fact offer far more tangible worth to society than I ever will if things go according to plan, but I simply do not have what it takes to be a teacher or a social worker and I believe none of these vocations should be chosen solely for the paycheck or as a mere backup plan. If you want a safe backup job, become am accountant or something.
According to my teachers I show a lot of potential for a professional career, - and I get this even from teachers who are very honest and would never downplay something even for students with a fragile ego, and I've been told "I have a very fertile ground" (figuratively speaking). My only issue is the discipline and dedication aspect which I struggle with even with things I genuinely enjoy, which I've somewhat fixed, and then there's the ability to afford to have enough spare time to actually practice consistently and seriously to become employment. Due to the nature of classical voice as an instrument a lot of singers study seriously during their working careers as grown ups (I don't have the time to explain the mechanics and logistics of it all but you can probably infer why). I've also talked to instrumental musicians (ie strings, woodwind, brass) who were pushed by family to work other careers but did auditions and made it work afterwards while working. Therefore my goal is not to fully retire early, but to be able to drastically cut my living expenses so I can work less and afford to hone my craft. And if that means less fancy gadgets, clothing and material possessions or even a smaller nontraditional living space, I am okay with that. Even if choosing a career I am called to means I might be earning less than the people in tech and finance, who can afford pretty cars and suburban homes, I am also okay with that and would in fact infinitely prefer it over working a soul less corporate job I do not feel called to and built for.
I had a difficult childhood (massive story, might share a different time) and I didn't get to play and enjoy myself when the time was right and now I seel out that joy and role play element in my work. I lost my childhood to mental illness and having shit deadbeat family and being exposed to drugs and the like since the womb, I will not lose my adulthood to working to I can buy fancy crap. If following my gift from god as a vocation means I may be earning slightly less than the median wage and will not be able to amuse myself with adult toys like cars and overpriced Italian garbage, that is something's I have to be okay with and learn to live with. That's how it is, sometimes your desired career choice that is your divine calling and your true vocation does not always align with that pays the most and you have to be okay with that and learn to make do. Like a schoolteacher or a social worker, you're doing a service to the world and you may feel called to work with kids or vulnerable people from your heart of hearts but you have to learn to make do with a slightly less than average wage, - if you sincerely want to pursue your vocation to help over a fancy finance job and a McMansion in the suburbs. It's your choice to make and ultimately there is no right and wrong. People just have different priorities. I like to think that people are a lot more adaptable and flexible than we make them out to be and that in times of trouble and recession or in situations where people don't earn much we humans learn to adapt and be clever and be a lot more thrifty and mentally flexible than if they were earning 500k a year and had a house with a pool. That is what makes humans human, we learn to adapt and to make do and to be content with our available resources. Okay I yapped a lot but you get my point, the point I'm trying to make is that something akin to massively cutting my expenses and reassessing my wants and needs, and potentially choosing a more minimalist living space would give me a lot of time freedom and flexibility to hone my abilities and max out my potential and eventually move on to a career I truly want. If I earn less than the average person something like barrista FIRE and having a nest egg would allow me to do what I am called to do for a living without having to worry about living on what is essentially akin to a school teachers salary, or barely the median wage. If there is a dry spell or I lose my career to a fluke accident it would give me something to fall back on, and if I never came even close to professional level in the first place then full early retirement would allow me the ability to do what I love "full time" in a sense without having to worry about making it profitable, though I am told I have very good prospects. It sounds like a win win to me, and no matter what happens this kind of lifestyle would allow me to adapt and be content no matter my circumstances. I prefer italian arias over overpriced Italian junk cluttering my home any time of the day. If I end up blowing up against my will and making bank like Luciano Pavarotti or Andrea Bocelli that's also completely fine by me, I believe I can adapt and make do with whatever resources fortune throws at me, as long as my fundamental needs are covered. The teachings of the stoics and Seneca and Epictetus have helped me greatly.
I am currently learning interior design and I plan to specialize in the private yautch/naval industry. It is a very viable industry in my location as Greeks have always been a seafaring nation, and it's also very lucrative. It wouldn't be too difficult for me to have both a quite high income AND a very high savings rate if I pursue this as my initial/backup career. It has both a pretty high initial income and a very high income ceiling later on, and it isn't too difficult to progress in it and break into it since there aren't that many people with that skill or specialty in the first place. A ton of work in it now days and in design and applied arts as a whole is essentially remote, so commuting and paying for cars and stuff is a non issue. I want to do vanlife for a while and maybe travel around mainland Greece in a van. I've never seen most of my homeland despite having lived there for almost two decades. I'm basically about to go ovo vegeterian for ethical reasons (I watched clips of Dominion in middle school) and I'm also a practicing Buddhist which gives me more incentive. (I won't explain how that happened since Greece is 90% Greek Orthodox and there are less than 10,000 Buddhists in the entire country, but I might share my life story in general a different time. I've lived a pretty wild life which I believe has been an asset in my craft and has given me maturity and theatricality many don't reach until they're middle aged. I might share my full life story here a different time, I've lived a wild life, I've even thought of writing a memoir or blog). I imagine if you cut down the main two expenses, housing, utilities and food, a little travel locally won't break the bank.
I have learnt to make a budget and make do with less consumption even in my hobbies. Since I like reading but don't like spending 40 - 60 € a month for books, switching to an e-reader with a subscription and utilizing the library could help, and I could only buy physically personal favorites and books that left an impact on me. I like to draw and make webcomics in my spare time and can see myself breaking into the fine art world in the far future when I age out of my current trajectory, - can make do with watercolor from flying tiger over fancy oil paints and canvases. I like to write and you don't need a ton of supplies for that, pen and paper or a long lasting used laptop is enough. I like to learn languages and that's easy to do in a free or low cost way. I have no interest in streaming services and prefer reading books and manga over watching things any time, I do not plan to own a television in my adult life. I've tried getting into TV shows and Netflix and stuff but I can't get myself interested, the only exception to that is "One Piece" which you can watch for free online/on the free version of Crunchyroll. I don't care about Stranger Things, I do not care about the latest TikTok trend, and I prefer reading the manga over watching the anime and right now my #1 priority is maxing out my potential and seeing how far I can go in my current trajectory. I've tried getting myself into things like series and videogames but genuinely do not care. I have a bit of an issue with using reddit too much and taking online advice too seriously but no one's perfect and I'm working on it.
I think I'm on a very good trajectory earning potential/ savings wise and my values certainly align with minimalism and prioritizing time and experiences over material possession and keeping up with the Joneses. So mindset is a non issue for me, I do not feel deprived. I would like to ask though to what extent investing matters in the FIRE/ERE path and if you have to invest in stocks or bonds or know a lot about the stock market to make early retirement/semi retirement viable. Or if it's savings rate that matters the most and I should focus on that. Reddit says "I shouldn't get my hopes high and if I'm lucky I will be working for at the very least the next 30 years" and "people rarely live up to their childhood dreams" and "I shouldn't even think about it and should just learn to code or learn to be a plumber instead", I'm paraphrasing but that's what I'm usually told. I believe I have a good, pragmatist mindset about this at the same time without under estimating myself and giving up too early. I believe you need to know when to give up but I'm very far from that point right now. So yeah, I think I'm on a great path for everything else but want to know to what extent investing matters for FIRE and if it's just gambling with a fancier name like my uncle says it is, or if it's impossible to retire without it. I hear many contradicting opinions. If you have any good resources to share about the subject please feel free.
I live with my single grandmother at the moment (like I said, messed up childhood/home life) and while people in her family live a long time you never know what can happen so is also part of what is pushing me to pursue the ERE lifestyle, learning to make due with as little as possible, because I know what happens to dependent adults who are orphans but have aged out of the foster care system, and I want to be prepared for a worst case scenario. I have a small inheritance if that helps, and I'm technically a landlord, and I get around 500€ a month from rent. Without it I think we would be lower middle class or even struggling, and it helps pay for my part time conservatory lessons. (Greece technically lacks the infrastructure for full time conservatories akin to Julliard and the like but that's a whole can of worms). I also see much of my family close and extended being in debt and broke and would like to make better financial decisions. Neither of my parents worked or earned much for most of their lives and I'd like to turn out different. I'd like to be the apple that fell far from the tree, figuratively. I stay away from drugs and do not drink for religious reasons. I don't smoke because my voice is my instrument, it would be a shame to throw away my gift. So spending on vices is a non factor for me.
That was all I had to say, I'm heading to eat noodles and practice. I'd like to make something out of my life someday and be the only person in my first degree family who did not die in my forties fro, overdosing, I'd like to be the happy ending to my family bloodline. You can't always prevent the people around you from making stupid decisions but you can certainly learn to avoid the bad decisions of others. I believe the biggest privilege is mental health and having a good head on your shoulders.
That as enough yapp, until next time. Take care, any advice is appreciated!