Fuck It FI aka When You Change Direction On The Path to Financial Independence

Too long a title?  It’s my blog, so deal.  😉

When you take several months off between posts, it seems every post you write has a catch-up theme.  I’ll keep it brief, but this one is no different…

After my road trip ended in February, I began a stage of floating.  I floated from one house sit to the next, from one work trip to the next, and one grand idea to the next.  As of a few weeks ago, I traded all of that floating for rooting.  In a tiny home.  In Denver.  COLORADO!!

IMG-3296 (1).jpg
Welcome to Our Tiny Home ❤

The road that led me here has been a long, windy, and lately a bumpy one.  4 years ago I first got the idea to move.  And then I met someone, so I stayed.  6 months ago that ended and I decided to move again.  And then I met someone else, nearly changing my course yet again.  But that too is over and I am finally here.  No strings attached.  I moved everything I have across the country into 283 sq ft of what I soon hope to call “home” and actually feel it.

So where does that leave me on my path to FI??  Well, I coined a new term that I am sure will spread like wildfire – I am currently on the path of Fuck It FI…At the start of this year, I realized I was within one year of my OG FI plan so I decided to chuck it all and travel for a month. Of course, doing so meant spending money I wasn’t making.  And then I came back and had a series of expensive incidents.  My car being the first to go.  RIP, Beast.  $9000 later I got my ass settled back in the driver’s seat of a newer more deluxe version of The Beast (more on that to come).  Then there was the period of being without a home.  Moving around often can get expensive.  Even when you aren’t paying rent.  The lack of a kitchen made me spend more on groceries and dining out than I cared to tally.  Oh, and then I decided to take the plunge and move.  Damn!!  A security deposit + a higher cost of living is sure to put a crimp in my impending FI time frame… but none of it matters.  What really matters is that I am following through on a move that I have wanted for a long time now.  And that is exactly what this post is about.  Being flexible in your FI plans.

FUCK IT FI

So much can happen on the journey to FI.  Especially at the age that some of you are beginning.  In your 20’s you may not be in a long-term relationship yet.  Your friends are most likely going out and partying and spending a shit ton of money on ridiculous luxuries that will be obsolete from their lives within months or a few years.  Need I even mention student loans??!!  If you’re in your 30’s, marriage, kids, home ownership (if you’re into that sort of thing) is just on the horizon if you haven’t caught it already.  Those are MAJOR life changes and our financial goals change with all of them.  Um, student loans??!!  If you are in your 40’s, sorry to say, divorce is a factor for many of you.  If not that, keep an eye on your health.  Again, more huge money-life changes.  These things happen.  And it is best to expect the unexpected.  And after sharing plenty of raw and gruesome shit along the way, I am happy to make myself an example.  Here’s a timeline of my money wins (in green) and losses (in red).  I am not an exception by any means:

23 – Got my first “real job” as an hourly employee with my airline
25 – bought my first condo (selling it a year later at a wash)
26,27 – bought my next two condos
29 – bought the final of my 3 condos

Let me stop here to make a few points.  I was in my 20’s making 40k a year.  Back then I didn’t track my spending or my net worth.  I just saved as much as possible and every time I had enough saved, I bought a property.  I also bought a lot of french fries and pink wine from my local pub, but that’s another story.

30 – met my soon to be husband – tax break!!
31 – bought our home
31 – started construction on said home (Paid in cash.  A lot.)
32 – got married (paid cash and kept costs low)

The year is now 2010.  The market crashed a few years back and shit is unstable.  With the soft economy, my tenants are losing jobs, rental prices are dropping, nobody can sell, and people are starting to jump ship on their properties.  Can you imagine us adding a baby at this time??  Oh, Marone (I don’t usually speak Italian slang but that one was for Marla – DRINK!!)!!  After a discussion with my husband and realizing the amount of cash I was now pouring into these properties was unsustainable, I make the very difficult decision to follow suit…

32 – finalized the first of what would become three short sales total.
33 – finalized the second short sale
34 – started tracking net worth on a whim
34 – DIVORCE – yup.  At 34 I am moving from the home I just poured a BUNCH of cash into and leaving it all behind for my last remaining condo in the city which is now a few months behind on payments.

Such a FUN time in my life!!  But wait, there’s more and I promise, things are about to get better…

34 – Beg and plead with the banks to modify the loan but since it is an investment property, I lose that battle.  Instead, short sale #3 is finalized making me a renter once again.
34 – Got my ass back to work and started saving aggressively.
35 – NO MORE LANDLORD!!  I rented for one year before buying my current condo (now a rental) in cash resulting in a super low cost of living.

And now for the best part…  I *finally’* realize the error in my ways.  I start seeking other ways to make my money work for me besides real estate…

36 – Discovered the FIRE community and, despite being frugal, all the other ways I could be saving money.
37 – Open a brokerage account
37 – Started writing this here blog and began making like-minded friends.
38-39 – Attended all sorts of events to further my personal finance education while also building a community around myself. 
Camp Mustache, Camp FI, Fincon.  (All worthy of the green label because I gained more than the financial cost to attend) 

————————–

As I write this I am 39.  I have ZERO regrets on any of the above.  My point in highlighting my timeline is to share that our financial status can change at any moment and definitely from year to year.  It can be something awful like a house fire, the death of a loved one, a medical issue.  It can be the market tanking, a divorce, a move.  It can be something wonderful like a marriage (though I am not a fan of expensive weddings, I get it), a house purchase, a baby (perhaps not an immediate expense but babies eventually grow and extra people in a household do cost money)…twins!!  It can be neither good or bad and just circumstantial like an opportunity that just popped up that you HAVE to take (insert caboose post here!!).  It can be anything.  And it’s all OK!!

I have said before in conversation and maybe even on this blog that I am so happy I found FIRE when I did.  I am happy that I had the chance to make all my fucked up money mistakes early on (seriously, there was a lot of pink wine) without the added pressure of trying to reach some arbitrary number.  Because that is exactly what it is – arbitrary.  There is NO guarantee that your path to FI will be straight – in fact, I can almost guarantee that it won’t be.  Your expenses will change along the way.  There will be choices and decisions and choose-your-own-adventure type forks in the road.  Some will be optional, and some will be mandatory.  But all of them will lead you to the hallowed land if you truly want to get there.  You just have to trust the process.

So here I sit in my tiny home and I am happy.  Despite the added expense of my new high cost of living area.  Despite my singledom.  Despite the serious fucking heat wave that has overtaken Denver.  I am happy.  BECAUSE I GOT TO CHOOSE.  I saved enough money to make this move and take this chance. And I don’t have to hold back because of a deadline I set for myself 2 years ago. Life happens! I am flexible with my numbers and timelines and the outcome of everything.  So what if FI doesn’t happen this year?  It can happen next or the year after.  I am not going anywhere.  And I promise to keep you posted.

Until next time…

74 thoughts on “Fuck It FI aka When You Change Direction On The Path to Financial Independence

  1. i was wondering where you went. i led the fuck it life until about 35, got serious for 15 years but might have to revisit soon. it’s easier when you have some resources and your #1 resource is you. you were drinking that pink wine before it became de rigueur? trendsetter alert!

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    1. Ha – Now I can see my future!! I doubt I can be serious about any kind of work for too long. Even your hobbies become work if you let them.

      As for the pink wine, I feel the need to divulge the fact that is was white zinfandel and not rose. Nothing good about that. 😉

      Liked by 1 person

  2. You had me at the title… 😉

    Your journey is inspiring and a great example that life isn’t going to always be this pretty little line of ducks in a row. We have ups and downs, but it is all about how we react and roll with the punches. Can’t wait to see where your journey takes you next!

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    1. Girl, you know I can’t help myself!!

      Your journey has been inspiring as well. If I went the route of husband and kid like you, no doubt we would be neighbors on this crazy ride!! Keep it up, sister.

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  3. Oh Marone I’ve got some catching up to do on your life! I’m so glad to hear you based your relocation decision around one person — YOU! You sound fifty pounds lighter, emotionally that is. Well done friend!

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    1. It’s been an interesting few months!! And yes, dropping those 50+ lbs has made a world of difference. I am happy to be at the point where I can make decisions that result in my own happiness and not feel guilty about it (not that anyone made me feel guilty – it comes naturally. My Italian Catholic guilt is baked in deep!). I’m not sure if Denver is the end all and be all, but it was something I needed to explore. For me. And I can’t believe I’m finally doing it!!

      Thank you both for all of your support and I look forward to catching up more soon. Maybe a visit to Groovy Grove should I ever get out that way. 😘

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  4. Has anyone ever told you that you are far from boring 😉
    What a life journey, love it! The flexibility is really key here. The ability to be able to choose is amazing. Glad we are both in a position to enjoy this! Looking forward to the next update.

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    1. Haha – I think you have!! Flexibility has always been important to me. I don’t work well with absolutes. Not in my job and not in my life. Thank goodness there is no need for absolutes in personal finance. I would have failed 10 times over by now!! 😅

      Liked by 1 person

  5. Love Fuck it FI. Hope this is added to the ranks of lean FI, Fat FI, and Barista FI. Even more so, I am glad you are happy and making choices that bring you happiness. Life is about the journey and not the destination. Enjoy

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    1. I’m sure it will rank up there soon. 😉

      It’s all about the journey, friend. Looking forward to seeing you on your journey out West!! See you next weekend. 👍🏼

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  6. Like you say very clearly: things are constantly changing in life. Sometimes I go through crazy good lucky streaks and feel like I can’t be stopped. Other times, I enter horrible unlucky streaks where I feel like I can’t do anything right. Both periods exist and are natural in life, and it’s easier just to accept them and go with the flow in our un-linear existence, than experience the madness of trying to fight them and make everything perfect in our imperfect world. Fi fi. It is usually the only way, and glad you found it.. 🙂

    Liked by 1 person

    1. I just came out of an unlucky streak where I couldn’t do anything right. It sucks!! And then gradually it gets better. Like a roller coaster, you can’t enjoy the highs if you haven’t been through the lows. I know you’ve seen a few of those!! But you keep on keepin on and that’s why Im happy to know you. You’re an inspiration, Billy!!

      Liked by 1 person

  7. I am so psyched for you! Also super jealous because Alli and I have many times discussed the idea of building and living in a tiny house and have many times discussed moving to Colorado. So expect to be pestered with questions about all of it next time I see you. Sorry we missed you in DC!

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    1. Haha – well this tiny house will be available for rent next July. Maybe you can do a test run?? 😉

      Sorry we missed you guys too!! I’ll keep you posted on my next visit and make sure to keep me posted should you come this way. You can pester me with questions all you want. 🙂

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  8. Congratulations on the move and the tiny house!! I hope we get treated to some numbers and photos when you’ve settled in.

    It’s so encouraging to see your money mistakes and wins. I’m particularly glad to see that you could recover / right your ship within a few years of your divorce+house reno costs. I’m in the middle of planning a major life change and it will certainly have an impact on my (arbitrary) FI timeline but I stand to lose more not rolling with what opportunities life has presented than I am by sticking rigidly to my spending plan.

    Good luck settling in.

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    1. Thank you!! I will definitely get some numbers down. I am curious (if not scared shitless) myself!!

      I am glad I could help to encourage. Going through my financial lows was obviously not easy. The short sales were a tangible loss. My house with my husband, the same. The emotional trauma that goes with seeing your hopes for the future scattered is a whole other dimension of hell. That being said, I too am amazed at how quickly I was able to rebound – a testament to breaking the shit streak and focusing on what I had left instead of what was gone. I have the ability to work hard, stay positive, and keep pushing forward. It took all three to right that ship. I hope that whatever change you are about to endure will net you the same result. It may not happen overnight or even in a few months, but I can almost guarantee that when you look back in 5 years you will be looking from a place similar to mine. Grateful for the chance to make those changes and amazed by the positive impact they had. Good luck to you!!

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  9. TheRetirementManifesto

    Man, I’ve missed your writing! What a great chronology of the reality of life. Love that you bought that caboose. True wealth is the freedom to do what you want to do. Yours is a perfect example of that. Isn’t that what FI is all about?

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  10. ChooseBetterLife

    I am so, so, so excited for you on this new adventure! Denver is awesome, and while my husband would never go for it, a tiny house sounds amazing (and less time-consuming to clean)! Plus, it’ll help you want to spend more time exploring in your new beautiful city. Congrats for you for taking this brave new turn.

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    1. Thanks, Julie! The tiny house is definitely a hard sell for many couples. I am an early riser and early to bed’er. With my bed in my kitchen that could be an issue should I want to cook or clean with my boyfriend/husband wanting to sleep in. On the plus side, my washer/dryer is also next to the bed, in the kitchen. No excuse to not have clean underwear! 😬 And thanks, as always, for the encouragement. I look forward to the opportunity to take many Instagram worthy pictures of my new state. If only I could remember to post them…

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    1. Thanks!! I won’t be at Cents Positive Retreat in November. It falls on days that I normally work for time and a half – got to work smart!! Having attended several FI community-based events, I am looking forward to hearing all about it. They’ve made a huge difference in my life and no doubt that this will do the same for the ladies. Report back!!

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  11. RootofGood

    Love it. 🙂 We’re at a different kind of Fuck It FI where we have more than enough and we don’t have to focus on what we’re spending as much. Whereas in the past we tried to save a lot of money intentionally, now it’s more like “hey, will this added expense bring value? Yep? OK let’s spend the $$$”

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    1. Instead you are killing us all with your nonstop beach and food pictures!!! I can’t wait to be you one day!! 😉

      I will say that during/after my road trip I learned to focus less on the numbers and expenses and more on the value of each purchase. It has helped to let go of that tight grip on my finances that most first/second year FI seekers indubitably go through. Similar to our finances, what happens when you grip sand too tight?? Well, you’re retired AND at the beach. If anyone knows, it’s you!!

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  12. Yesss I love Fuck It FI so much! I’m constantly amazed at how wild of a ride your life has been and I’m so happy you’re in a place where you’re making decisions for yourself based on what you want right now in life and not what other people think you should do (or what past you thought you should do based on an arbitrary deadline).

    It was great to see you again last week! Also I’m glad you’ve learned from your pink wine mistakes and are drinking red now 😉

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    1. You will never see me with pink wine again…probably!! 🙂

      SO good to see you a well. And great insight on making decisions for myself. I have a tendency to put others first which isn’t a bad thing necessarily but when it comes to major life decisions, I need to make myself first. Maybe I should tattoo that somewhere so I don’t forget!!

      See you at FinCon, Chica!!

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  13. This is why I don’t have a set FI number or date. My ramped up savings rate is all about having more flexibility that comes with having more cash than we need every month as well as the eventual ability to make a life pivot while necessary. Though sometimes, that makes it a bit hard because I am such a numbers and goals driven person, but I’m trying to work on that.

    And now where are all the photos of that tiny home?? I want to see!

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    1. YESS!! The savings rate is a huge factor and I should have mentioned that as well. Mine has tanked this year but mainly because of my travel and not having income during that time. Now that I am settled and plan to figure out my new expenses, I will be able to ramp up again. As a numbers and goals girl too, it was hard to let it slide but I feel an upswing coming!! Also coming, pics of the tiny home…stay tuned. 🙂

      Liked by 1 person

  14. fierymillennials

    Rock on, girl! We need to have a nice long chat uninterrupted by poor cell coverage as one of us drives through Iowa 😉

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  15. Nothing wrong with long post titles. I often have long post titles too.

    FI is not a straight line, that’s for sure, and that’s the key reason why we don’t have an FI number and an FI date. We want to be flexible. If you are too rigid with your FI planning, then you aren’t open to all the different possibilities in life. Life is full of possibilities and we need to remain to be open to them. Who knows, maybe one of these possibilities will lead you to a faster FI route.

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    1. Exactly!! It pains me to hear some people say they can’t afford something they really want to do because it isn’t in their budget when I know damn well they have a high savings rate! That means their budget is too strict to allow for special opportunities that pop up along the way. Again, DONT FRUGLA YOURSELF INTO A CORNER!!! Spend the money, let your savings rate do down a few percentage points…most likely you are still saving!! In the beginning it was hard for me to justify the cost of the camps and FinCon and other travel BUT I got so much out of each event that I started to loosen up and seek them out. No regrets. Speaking of, will I see you at FinCon this year??

      Liked by 1 person

  16. What is it about Colorado that draws all the FI types? Seriously, it seems like anyone who’s anyone that reaches FI moves to Colorado.

    Grats on the move BTW!

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    1. Time to pack up and MOVE!!! (This is a selfish request on my part so I can eat whatever you cook for our Colorado FI Family potlucks <— not a thing yet but I intend to start it!!)

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    1. Thank you!! I have done some improvements since this pic was taken so I’ll have to post some updated pics. Here’s to hoping for many greens in the future and not so many reds but whatever the future brings I will be ready for it. 😉

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  17. I loved living in Denver for 9 years! So much to do, see, and experience!

    I agree that the only thing that has been constant on our journey is change. I like your Fuck it FI, concept, it’s a good approach to it. Our journey has been varied and constantly changing. We were originally planning to hit FIRE at 2020. Then maybe 2019. Beyond the timing, we went from wanting to move out West, to the East Coast, to TX Hill Country, to moving to a yet to be disclosed state.
    I’m leaving my company for a SAHD lifestyle change, and while I don’t need to work I still don’t feel like calling myself retired. Mrs. SSc realized she didn’t want to stop working and wanted to get more into teaching, so when her tenure track offer came up, we were well positioned to lose my income, and still be way, way down the FI path and have the freedom to take this oportunity.

    It willb e a great Lifestyle Change for us, kicke off by our physical move next week! So close now! I’m down to 8 working days, and then it begins. Or rather continues, because, like I said, the only constant is change. And even 2 years ago, our plan had no hint of this Lifestyle, state we’re moving to, or even embracing this opportunity.

    So exciting all the way around!
    And I was hoping for more Caboose pics (the new house, not that kind, lol) too. Can’t wait to see them!

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    1. So many changes on your road as well!! I am excited for you guys and your upcoming move. It’s been a long time in the making…as has your REFIREMENT!!! Being a SAHD is an amazing opportunity and one that I am sure many would love to have the luxury of doing. I can’t wait to hear all the stories that come out of your new phase of life. 🙂

      Caboose pics are coming, I promise!! Will we see you at FinCon??

      Liked by 1 person

    1. Ohhhhhh – how much time do I have? Next week I am driving to Wisconsin for a Caboose once over. I’ll be there until the 26th. I would LOVE to come visit now that you are back (raspberries or not 😉 ). I’ll look at my calendar and we can put a plan together!!

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  18. Amen to all this!! 🙌

    If life was straight as an arrow I think that would get somewhat boring. Those rises and falls and the curveballs you get thrown are where you really get tested and learn who you really are.

    Where I’m at right now I’ve yet to hit really any major life event so staying flexible is absolutely essential in this journey!

    It was great meeting you the other day and glad you’re happy with where you’re at!!

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    1. So great to meet you as well!!

      I agree with the straight and narrow perspective of life…snooze fest!! I may not always be on a high, but at least I know one is coming. (And that is not a reference to my new state and it’s residents fondness for smoking green plants. 😜)

      Liked by 1 person

  19. I love the tiny house. That just rocks. I relate so much to what you’re saying. Making a life has to take precedence over single-minded focus on getting to your goals. Enjoy your few years more til FI. I look forward to following your IG in the meantime.

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    1. Thanks, Laurie! I’ve only been here a couple weeks but I am starting to feel settled. Getting a dog walker was the first step in getting back to work. I feel very little rush now that I have some roots to grow but day by day I will get there. 🙂

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  20. When it comes down to it, isn’t FI about living your most authentic life, anyway? It just means you have the freedom to do what works for you. 🙂 Sorry life has been so messy, but I’m pleased to hear you’re growing your roots. 🙂

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    1. Precisely!! Peoples get so caught up in the numbers when really they should be caught up in their live instead. No need to be sorry, though. I don’t see it as messy but more an opportunity to grow. I feel so much stronger having been to the bottom and back up again. 🙂

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  21. TJ

    I’m glad it sounds like you got drastically more out of those events than I ever did. It sounds like you’ve been on a wild ride since the last time I saw you.

    I miss you! Glad you’re in a good place.

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    1. Thanks, TJ! It’s definitely been a wild ride but so much fun too. Of course, those events may have something to do with the extrovert in me surrounded by a bunch of introverts… I tend to thrive in those situations! 😉

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  22. F bombs dropping everywhere, love it. I’m out here in your beautiful state climbing mountains right now, so I guess I’m in “fuck it I’m climbing FI”. Great post, love the story and it was great meeting you last week!

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    1. Hey!! I didn’t expect to be hearing from you. Shouldn’t you be out of cell service?? 😉 If you happen to be around on Saturday, Guy on Fire is camping in my yard. We’d love to meet up! Obviously your 14’ers take presidency but if it works out be sure to contact us. Otherwise, good luck on your climbs and be safe!

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      1. In Gunnison tonight, didn’t want to drive any further as i was cooked from a long hike today. I will be out of service for the next 3 days or so, hopefully with 3 peaks climbed. If the weather brings me back towards Denver early I’ll def let you and GuyOnFire know. I’ve been texting him.

        As for Guy, what a cheapskate!! Charge him rent or make him clean your windows or something 🙂

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        1. Ha! He has no idea but I’m making him install my blinds, clean the toilet, and pick up all the dog shit in my yard. He will be wishing he booked the Holiday Inn. 😂

          Sending good juju for perfect hiking weather for you!!

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  23. Ms. Fiology

    Okay, we don’t hear from you from a while and then we get this brilliant post. I love that life is totally a choose-your-own-adventure! And that means we can fork off a different path at any time.

    Congrats on choosing your new peaceful tiny house. Your dog looks content 🙂

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    1. Thank you, lady!! I’m am very happy for this latest fork in the road. And I am sorry for the delay in posts but I feel I am about to make a come back. It’s been difficult the past few months with no dedicated writing space and so many distractions. I’m all fired up now!! 😉

      Liked by 1 person

  24. Camp FIRE

    Flexibility has always been my underlying reason for aggressively chasing FI – glad to see you taking advantage and happy to hear that you’re in a good place! Hope to see more from you on the blog!

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    1. Thanks, Ty! And it looks like great things coming out of CampFIRE!! I was so overwhelmed for a while with the number of blogs I was reading that it’s nice to have someone do the curating for me. 😉 Keep it up!!

      Liked by 1 person

  25. I love tiny houses and with your experience in backpacking and road trips, that lifestyle seems like such a great choice for you. I kick myself for “waiting” to retire at 51. Now that we have been using our travel trailer for trips, the entire smaller lifestyle and experience-oriented life has made us realize that we could have done it a lot sooner.

    Or not!? Because you are so right. Life happens. Just as we were planning our 2 months of travels, our tenant gave notice and we’re DIY landlords, so woops. We either are going to suck it up and lose a few months rent or cancel. I’m leaning towards your F-it idea and continuing on with our trip plans. Thanks for the inspiration and I look forward to the tiny house pics.

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    1. No kicking!! Things happened exactly as they were supposed to. I have thought that very thing thought – what if I had SAVED all that downpayment money on all the properties…I would have been FI ages ago!! BUT, I would have lost out on a ton of experience and life lessons that I am certain helped to mold who I am today. 🙂

      The tenant issue I can totally relate to. As soon as I signed the lease here my tenant in Chicago said they weren’t renewing. WHAT?! I am land-lording from afar and how the heck am I going to get it cleaned and rented with no ground support in Chicago?? Well, all I can say is it all worked out perfectly. -Perhaps I shall write the complete story as the next post in my of Adventures in Landlording series. Hang in there!!

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  26. “Oh, marone.” Haven’t heard that expression since I left Long Island. I worked with a lot of goombahs in my government job. Thanks for piquing my memory. And thanks for sharing your “fuck it FI” story. Very inspiring.

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    1. Haha – we say it all the time at home but it’s lost on my comrades here in Denver!! I can’t wait to see you both in person. Between your accent and my slang, we will be quite the sight!! 😉

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  27. Awesome to hear your full financial story laid out, Bianca. We really all learn so much from our mistakes and the only thing that matters is that we are happy. Not sure why it took me so long to stumble upon this article… I’m sure Fuck It FI will be taking the community by sensation soon 😉

    Hope to see you at another CampFI Meetup or some other FI Event this year!

    Like

  28. First of, welcome to Denver. Second, you can’t possibly reach heaven without dying. And that you do for yourself. Good luck friend – I’ll be following you.

    Like

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