https://www.mrmoneymustache.com/2011/05/28/weekend-edition-the-magic-of-thinking-big/

The reason, of course, is not actual magic, but the effect your optimism has on the people around you. People want to hire you, or to help you, or to work for you, because big thinkers are very rare and it’s exciting to be around one. The guaranteed key to a happy (and rich) life is to have an easy time working with other people. With this confidence, you don’t havePokaż całość

Największa zaleta przejścia na wczesną emeryturę: nie musisz sprzedawać godzin swojego życia aby przetrwać materialnie.

Everything is worry free, because I know there’s enough, and the very feeling of knowing that I have enough warms my heart and soul every single day. It is a feeling of liberation and freedom and a glider that keeps me soaring high above the bullshit of worry or having to sell out my free time forPokaż całość

4% SWR powinno być wystarczające bez poniższych punktów
. pracować ciągle po przejściu na emeryturę
. otrzymywać emeryturę czy hajs z innego funduszu
. jak zacznie się ostry kryzys to zmniejszysz wydatki
. nie kupować RTXów kiedy jest boom na kryptowaluty

#mrmoneymustachequotes

Will a box of eggs cost $6.00 a dozen when you’re 65, or will it be closer to $60? So how can we possibly know how much money we will need to live on in retirement?

https://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/

The Safe Withdrawal Rate is the maximum rate at which you can spend your retirement savings, such that you don’t run out in your lifetime.

IfPokaż całość

Aldi is short for Albrecht Discount and belongs/belonged to two brothers from my hometown. They split up the company between them and defined spheres of influence: Aldi North and Aldi South.
The business model is extreme frugality: eliminate all unnecessary vier, buy in bulk. No luxuries. Example: Somewhen in the 1990s, Germany changed postal codes (e.G. 4500 Essen 1 became 45130 Essen).
#mrmoneymustachequotes

I like to think of it as a little algorithm:
– if a food is overpriced, buy zero or the minimum possible amount you can live with
– if a food is regular price, buy an amount to last until your next grocery trip (minimum 1 week supply)
– if a food is underpriced, buy at least enough to last until the next expected sale at this level (4 weeks?)
– ifPokaż całość

When you look it up, the average food cost for a family of four in the US is actually quite high, at $944 per month.
#mrmoneymustachequotes

Na dole jest bardzo fajna tabela porównująca wydatki w 2 wersjach: standard i ulepszonej

https://www.mrmoneymustache.com/2012/10/08/how-to-go-from-middle-class-to-kickass/

#mrmoneymustachequotes

Podajecie tylko te 2 pierwsze (income roczny + wydatki roczze) i wam wylicza resztę

https://networthify.com/calculator/earlyretirement

https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
If you are spending 100% (or more) of your income, you will never be prepared to retire, unless someone else is doing the saving for you (wealthy parents, social security, pension fund, etc.). So your work career will be Infinite.Pokaż całość

To start with the basics – What is a stock?

It’s a slice of a company that you truly own. When you own a share, you have the right (but not obligation) to attend the shareholder’s meeting for that company, vote on important company decisions, and you have a right to a share of any future earnings that company makes. This share of earnings is called a Dividend.

In some companies, especially smaller orPokaż całość

Rather than attempting to eliminate negative emotions, I like the Buddhist approach of becoming more comfortable with them. “Broadening your comfort zone” for emotional tumults, if you will.
#mrmoneymustachequotes #stoicyzm

But each pleasure very rapidly wears out if overused, and the Hedonist is left scrambling desperately higher up the pyramid of earthly pleasures until he runs out of money or health.
#mrmoneymustachequotes

#mrmoneymustachequotes

Ancestors of ours who were insatiable, and always wanted more mates, more children, more food, more social standing, and more security against predators and enemies were quite simply the ones who got to produce the largest number of surviving children