Aussie Firebug

Financial Independence Retire Early

Do you ever sit at work, stare blankly into the monitor and wonder how much better your life would be if you didn’t have to be there? I often drift off into a day dream where I visualize that I’m financially free and am doing whatever I want. Making more than enough money from my investments that allow me to break the shackles of modern day slavery (a job). I usually start my Monday mornings plotting out my plan to escape the rat race to do whatever I feel whenever I feel and not have to worry about money.

After a while I usually whip out the windows calculator and start to do some calculations based on my returns from my portfolio so far (terrible analysis) even though I know that this is not the way you should forecast future returns but I don’t care. I start to compute how long I think it will take for me to reach the magical goal of financial independence…’if I make X% returns it’s possible I could be there in 5 years… but if this happens then that pushes it out to 10 years… if I get lucky with the market then it’s only 3 year…’ . I then go to and start to plug those dates in and look at how long it will take me to reach that date. I firstly look at years then months then weeks…

This is not a healthy thing to do. I KNOW that I shouldn’t be counting down and rather trying to enjoy the work life right now and in 5-10 years I should be able to wake up one day and say ‘Hey you know what. I don’t actually need to go to work today, I make enough passive income from my investments that covers all my expenses plus inflation’. But I just can’t help it! Monday is always the worst day for me because it’s the start of the working week and I always reassess my life come Monday. I like my job, I like the people I work with and I get paid great for what I do, so what gives right? Why am I so obsessed with the idea of FI that I save over 70% of my net income and invest it? Because even though I have all these great things from my job it’s still a job that requires me to give up 38 hours a week. As much as I like my job I sure as hell wouldn’t do it for free. If I was a billionaire there ain’t no way I’m turning up to work come Monday morning. I would still drop by to see the people but I could think of over a 1000 things I’d rather be doing than sitting in front of a computer for 9 hours a day.

RING RING! My desk phone starts to ring jolting me from my beautiful fantasy back to reality. I quickly close the spreadsheets, websites, and calculator and return to being a corporate drone for the next 9 hours until a get to go home, only to wake the following morning to do it all again…

Does anyone else feel this way?

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