My goal is to retire on June 21, 2024 and part of that plan is preparation. Billy Bob and I have always been “live today like no on else, so you can live tomorrow like no one else” Dave Ramsey kind of people. Yet we really have no idea what we are doing. Neither one of us has a good handle on the stock market/investments. A little too simply, we assumed spending less than we made would make us ready to retire when the time came. Hindsight is 20/20 however. Better late than never, we recently completed a financial plan thanks to the generosity of my employer.
Did I mention hindsight was 20/20? Well it is … obviously! I want a do over … all that saving has not positioned us to retire any better and in the meantime, life went right on by. As with anything, balance is key. Spend a little, save a little … we need to spend some too! Consequences be damned! We’ll just deal with whatever happens … when it happens!
Now we are on a mission. To find a way to live a little. What to do, what to do? We’ll let you know when we figure it out ;).
As always, more to come …
J-Dub's Grin and Bear It 
Hindsight is 20/20. I always thought I was smart with money. Enough to buy almost everything I needed up front cash. New motorcycle? Yeah no prob. New sofa? Sure, here, I have the money.
Aged 35 I wanted to move into a big house, and out of my London shoebox. Applied for several mortgages and was repeatedly asked ‘how did you make it to 35 without ever having a loan/finance/creditcard?’
I have since been stuck still in life. I intend however within the next year to move sideways into at least a 2 bedroom log cabin in Scotland. Because I cannot get a mortgage or loan, I need to earn the money up front, move, then sell my London home afterwards. Sigh. I shall get there though!
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Ah to live in a log cabin in Scotland. Sounds absolutely wonderful. Sometimes moving sideways is best.
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