Good morning!
So right here’s one thing fascinating – I haven’t made any actual cash for the previous 6 months! And even wilder – I haven’t even observed it a lot these days??! It’s the primary time since I started working that I don’t have a “wage”, thereby formally getting into me into the standing of WifeFI:
“Financially Unbiased, enabled by my spouse who nonetheless works ?”
I do make some cash consulting every month, in addition to some additional change typing away my ideas right here (and that’s actually all it’s as of late, because it seems once you nix most of your adverts you don’t receives a commission! lol), however by and huge my revenue is inconsequential in comparison with my spouse’s which is presently paying all of the payments proper now.
It’s an fascinating place to be. I’m not very motivated to chase cash for some motive, however I’m additionally not glad simply laying round and doing nothing both… Therefore – why I’m back here at the blog! However much more surprisingly – I haven’t actually missed my paychecks because the Motley Idiot gave me the boot earlier this 12 months, which was no small quantity at $10,000+ mo.
How a man can go from obsessing over cash to not even noticing he hasn’t obtained paid shortly is past me… Although to be sincere it really makes me really feel kinda happy with myself! 🙂 It means I’m now not a slave to the inexperienced as I as soon as was, nor am I utilizing up the majority of my time chasing it on a regular basis. I’m way more centered on *life* now and simply “being”, and whereas I nonetheless have to concentrate to cash in fact, it’s now not the highest precedence it as soon as was.
I believe “peace” is the best phrase for it. Monetary peace.
And it was proper round the $400k mark once I first actually began noticing this… Sufficient to really feel safe and pay all of the payments, but in addition nonetheless in a position to have a bit additional for enjoyable and suppleness. With every further $100k simply including to the muse and creating wealth much less and fewer necessary over time. (Or I ought to say, not as “life altering” – I nonetheless very a lot LIKE having cash, lol, but it surely doesn’t drastically change my life anymore)
I also needs to word that this comes from a brilliant privileged white dude who’s had fortune and luck on his aspect all the time 🙂 Positive I’ve labored my a$$ off over time and happy with what I’ve constructed, however I’ve additionally had a leg up all through it and must preserve reminding myself to understand all of it which I oftentimes fail at greater than I care to confess…
Nonetheless, I by no means noticed this stage coming!
It really marks the sixth one since beginning the journey:
- 1995-2008: I used to be a SINK (Single Revenue, No Youngsters)
- 2008 – 2010: We have been DINKs (Twin Revenue, No Youngsters)
- 2010 – 2013: Then SINKs (Single Revenue, No Youngsters)
- 2013 – 2016: Then the hairiest – SIKs! (Single Revenue, Youngsters)
- 2016 – 2022: Then again to the great life, DIKs (Double Revenue, Youngsters)
- 2022 – current: And now WIFEFI (Spouse Enabled Monetary Independence)
Such drastic phases over time. With the perfect ones exterior of a $hit sandwich, haha… These center SIK years there have been fairly tough for some time!! When a perfect storm of occasions hit, and utterly sucked our financial savings from $94,000 all the way down to a paltry $3,000 in three brief years… It was fairly embarrassing as a cash blogger, however in fact we continued to share it all within the identify of transparency! ?
Then the spouse jumped again into the workforce after a 5+ 12 months hiatus (she went again to highschool to get her Masters and PhD) and we have been as soon as once more again to clean crusing… Which is simply one of many half dozen causes she continues to work: she desires to make use of all these hard-earned levels!, she genuinely enjoys what she does, the job is STABLE (a authorities one, which helps counter steadiness my very a lot non-solid one, haha…), after which in fact there’s the advantages like retirement funds and pensions (bear in mind these?) in addition to a incredible medical insurance plan.
So don’t assume that is simply me profiting from her! Which I’m nonetheless a bit, in fact – who doesn’t desire a Sugar Mama?! – however in actuality it’s her not wanting to affix me at midnight aspect but, in addition to reaping the rewards after years of hustling 😉
Yet one more good thing about taking note of all these items!! So at some point you don’t must!
It’ll be fascinating to see what occurs from right here (do I am going again and get a “job” later after lacking cash??? Do I am going the alternative means and lower *all the things* out to liberate much more time? Do I ceaselessly stay Spouse-Fi’d?) however because it stands at this time, I’m at peace… One other new life expertise below the belt!
What monetary stage are you presently in? Are you content material with it?
Your fiscally attractive good friend,
PS: Listed here are another (totally made up) financial stages I’ve hit over time as effectively… Possibly you too? 😉
- BOB — “Baller On a Finances!”
- SEXPLOY — “Horny & Unemployed”
- FIGMY$HIT— “Lastly Obtained My $hit Collectively!”
- MOHO — “Cash Hoarder”
- HUN — “Hustler Unleashed”
- ISNOB — “Indexer Snob”
- PX3U — “Proud Penny Picker Higher”
- FRUCLASSITY — “Frugal and Stylish”
- FULLTRASH — “Full Timer Rocking a Facet Hustle”
- FREEDLER — “Freedom Lover”
- MILLIONAIRING — “Millionaire In Coaching”
- DIVFROD — “Divorced From Debt!”
- SFL — “Spreadsheets For Life”
- CAFLOK— “Money Circulation King”
- STARFROTBONWEH — “Began From The Backside Now We Right here”
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