Financial Independence and Legit Side Money Ideas For Techies and Geeks

Legit Side Money Ideas for Techies and Geeks

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Financial Independence and Legit Side Money Ideas For Techies and Geeks

Programmers, developers, software engineers, and other tech-savvy geeks are often some of the most financially independent people out there. That’s because they often have the skills to turn their side hustles into legit businesses that can generate significant income. In fact, many of the most successful tech entrepreneurs got their start by developing apps and selling them on popular app stores.

Financial Independence and Legit Side Money Ideas For Techies and Geeks

But you don’t need to be a whiz kid to make good money from your technical skills. Even if you’re not interested in starting your own company, there are plenty of opportunities to freelance or consult on projects that can pay well. And with the global economy increasingly reliant on technology, those skills are in high demand. So if you’re looking to boost your income, consider using your geeky talents to earn some extra cash. Who knows, you might just find yourself becoming a millionaire in the process.

This blog is about Clever Questions, Answers, Posts, discussions, links about:

If you’re a programmer, developer, software engineer, geek, or computer scientist, then you know that financial independence is important. After all, who wants to be tied down to a job they hate just because they need the money? The good news is that there are plenty of legitimate side money ideas out there for techies and geeks. Here are just a few:

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  1. Programmers can make money by developing new apps and selling them on app stores like Apple’s App Store or Google Play.
  2. Developers can create websites or online courses teaching others how to code or use specific software programs.
  3. Software engineers can offer consulting services to companies who need help designing or improving their systems.
  4. Geeks can start a blog about their favorite topic (technology, science fiction, gaming, etc.) and make money through advertising or affiliate sales.
  5. Computer scientists can develop new algorithms or sell their existing ones to companies willing to pay for them.

So if you’re looking for ways to make some extra cash on the side, don’t despair – there are plenty of options out there for you. Do some research and see which one might be the best fit for your skills and interests. With a little effort, you could be well on your way to financial independence in no time!

Making money isn’t that big of a deal especially if a person is determined, The primary cause of poverty is ignorance and nothing else.

It stars with a burning desire to learn and your willingness to practice all you’ve learned and make the mistakes needed in other to get the a greater height, “that is how financial progression is achieved and sustained.”


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in the aspect of making money online with a laptop, you can try out the following listed below….

  1. Affiliate Marketing.
  2. Selling on Amazon, eBay, Etsy, and Craigslist.
  3. Blogging.
  4. Niche E-commerce.
  5. Your Own YouTube Channel.
  6. Selling E-books.
  7. Develop Apps.
  8. Invest/trade cryptocurrency.

To be a master and be really successful in any of the listed, one has to first learn them before anything else goes.

And if you’re interested in cryptocurrency but too Busy and don’t have to time to learn, you can contact me I’ll teach you how a newbie trader can make profit in crypto quickly.

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Legit Side Money Ideas on Quora

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  • Daily FI discussion thread - Thursday, March 28, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 28, 2024 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

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  • Was anyone 100% confidently sure that FIRE was the answer but after RE realized it was a mistake?
    by /u/celeryisslavery (Financial Independence / Retire Early) on March 28, 2024 at 2:35 am

    Themes that I see frequently: You must retire TO something. Some are supremely confident that retirement is the answer. I’m wondering how many people were so unwaveringly sure that FIRE was the panacea to all their woes only to realize after quitting the rat race that they had made a mistake. I’m trying to figure out how much I can trust my feelings, because I’ve had cases where my feelings did a 180 after experiencing the situation. I’m at an age that I can’t just quit and hope to easily find a new position. A sabbatical is not feasible. I need more than a few weeks off (more like 6 months). At the moment, I’m about 80% sure that retirement is the answer. Having a rough time at work and they number has been slowly going up over the years but even if I may 100% feel that it’s time, I’m not 100% sure I can trust my feeling. submitted by /u/celeryisslavery [link] [comments]

  • Early retirees (before age 45), do you ever regret retiring so early?
    by /u/patentlypleasant (Financial Independence / Retire Early) on March 28, 2024 at 12:36 am

    I’d love to know your answers to this question. Years of corporate America drilling 65 as a retirement age has apparently affected me greatly. I (28M) am currently on a great path to retire early. I work as an attorney at a “big law” firm, and it is high stress, high hours, and high burnout. My salary is about $225k/year. I invest about 100k per year and put about 25k into my house. Here’s a quick breakdown of my financial situation. My net worth is about 540k now with 150k in my house, 350k in stocks, and 40k in cash and other assets. I expect this to grow significantly to at least 3-5M by age 40 if I continue at the rate I’m at. Also, I know a lot of folks are going to hate me for this, but I’m expecting an inheritance of about $5M from my parents whenever that time comes. So I’m staring at the possibility of a very early retirement. I’m very interested in working as a pro bono attorney and I have some other hobbies, but I’m basically wondering if any early retirees regret retiring early and I’d like to know how you spend your time. Thanks all! submitted by /u/patentlypleasant [link] [comments]

  • Am I a fool to consider retiring at 44-45 (with some concerns) instead of waiting till 50-52 (no more financial concerns)
    by /u/Exotic_Contract845 (Financial Independence / Retire Early) on March 27, 2024 at 5:46 pm

    I'm 39M, divorced, no kids. I live in a MCOL area. The question is whether it's prudent to retire at 44-45 instead of waiting till 50-52. Why 44-45? I have obligations that will keep me around till then, and I think I'll have enough money by then to pull the plug. I have longer-term travel goals/live abroad that I just can't meet with my 4-5 weeks of annual vacation. I get antsy because I realize more and more the finiteness of life and my current life doesn't bring me lots of pleasure as I feel I'm always working or too tired to enjoy my time off. If I work until 50-52 I will never have a financial worry ever again. If I quit working at 44-45, once I can draw my pensions and access retirement accounts in my late 50s, I don't think I'll have any financial concerns at all. It's really just bridging the gap AND the question of whether my impatience to wait the additional 8ish years is foolish. Current assets: ~ 730k in a taxable brokerage account invested in low cost index funds mostly. Contribute about $3.5k a month. ~ 700k in 401k and Roth IRA combined. Max both Income ~125k annually $1500 a month tax free VA pension Future income: Vested in an inflated-adjusted pension that I will receive at 58, ~$3k-4k a month for life in today's money. Vested in a $4k a month pension that will adjust for inflation and can draw age 50-52. However, if I retire early I can't draw until age 60 and it won't adjust for inflation until that time. The amount would be significantly reduced to around $1-1.5k a month in today's dollars. Living costs- ~$4k a month. Currently renting. Other considerations: I will have access to cheap healthcare. I don't plan to have kids I don't plan to travel/ live abroad forever I would potentially work while abroad, either way expenses would be about half of what they are for me now Men in my family have lived into their 80s with healthspans into their mid-70s. I live far more healthily than any of them ever did. submitted by /u/Exotic_Contract845 [link] [comments]

  • Financially can quit, but how to know if FI would suit me?
    by /u/ProjectWallet (Financial Independence / Retire Early) on March 27, 2024 at 3:26 pm

    For 2.5-3 years now, I’ve been financially able to quit my 9-5 indefinitely, and I’d like to take a 2-3 year hiatus (i’m mid 30s) for a breather and refocus on determining "rest of life" goals. that said, leaving a stable, reasonably well-paid job that took years to become qualified in is a logical hurdle I can't seem to clear. I've "tested" FI lifestyle by taking lower stress role and doing LT travel while working, but it's still working lifestyle....so, how can I test FI without tarnishing my career "standing" in corporate america? Is it just a matter of taking the leap and hoping you enjoy it? Thanks for your thoughts from those on the other side of the decision (or others). (for # reference: my projected withdrawal rate w/0 any income would be ~3.0% in high travel years and 1.8% in low personal travel years) submitted by /u/ProjectWallet [link] [comments]

  • Buying a small business for FI: anyone consider or done it?
    by /u/zacdw22 (Financial Independence / Retire Early) on March 27, 2024 at 1:53 pm

    Hi all, Small businesses typical sell for 3-5x their yearly profits, which certainly trumps a 4% SWR. Of course, in the majority of situations you will be investing time too, but in the right setup that may not be too burdensome. Has anyone looked at doing this or done it themselves? I read and recommend Harvard Business Review's Guide to Buying a Smalll Business for anyone considering this. It has some really useful metrics by which you can evaluate any possible deals. A key takeaway is to look at the Seller's motivations. There are many small business owners at retirement age looking to do just that, so there are opportunities there. I often browse the bizbuysell website looking to see what is for sale in my area. I'm still trawling to find the right opportunity. There are definitely some interesting prospects. Thanks for any comments. submitted by /u/zacdw22 [link] [comments]

  • Weekly Self-Promotion Thread - Wednesday, March 27, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 27, 2024 at 9:03 am

    Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely. Link-only posts will be removed. Put some effort into it. submitted by /u/AutoModerator [link] [comments]

  • Daily FI discussion thread - Wednesday, March 27, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 27, 2024 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Wellness and maximizing life
    by /u/jayybonelie (Financial Independence / Retire Early) on March 27, 2024 at 4:49 am

    Hi All, As a newly FIRE'd enthusiast, I have been thinking about the topic of living your best life once you FIRE. Your greatest wealth is your good health and without it not much else matters. So with that perspective, focusing on mental and physical health including keeping the mind healthy and energized is key. Here are a few things I have built into my regular routine post FIRE: Practicing mindfulness and gratitude daily; taking the time to appreciate the small and big things. Continuing to put work into the marriage, keeping aligned and not taking partner for granted. Intentionally eating a healthier diet and reducing junk food Spending more time with friends & loved ones in engaging conversations, even if its over the phone. Daily moderate and light exercises, walking, biking, hiking, etc. Studying different topics of interest and learning about new and interesting places Lots of sleep, 6 - 8 hours per night including an afternoon nap if I've had less than 6 hours sleep overnight. Annual and periodic health checks, including important pre-screenings like colonoscopy, etc. Mentoring and teaching others about FI and topics of interest, helping them through their own journey. That's my non-exhaustive list... There are many more things I do but I think the list above captures my approach well. Do you guys have other things you do in order to maximize your mental and physical wellness? Do any of you think it is worth while, for example, hiring a physical trainer to help you hone in your fitness or even a dietician to help you figure out the best foods for your vitality? How have you changed your diet, daily routines to maximize life and enjoyment? What has been the best thing you've started doing that has been the most effective in helping you with your wellness? Thanks in advance for your insights. submitted by /u/jayybonelie [link] [comments]

  • How do we know stock index average growth rate will be 7-8% far into the future?
    by /u/WorldyBridges33 (Financial Independence / Retire Early) on March 26, 2024 at 8:51 pm

    Advice that is commonly given to young people is to put their savings into an S&P 500, DJIA, etc. index fund because it will grow an average of 7-8% per year in the long run, and the compounding effect will result in a much larger net worth 30-40 years later. Most people cite historical performance over the last 100+ years as evidence for this. However, out of genuine curiosity, how do we know that this will continue for decades into the future? Past performance doesn't necessarily equate to future performance, especially when the past 150 years were extremely abnormal for human civilization. The reason being is that within the last 150 years, humans were able to discover a 1-time massive supply of cheap energy in the form of oil, coal, and natural gas. As a result of this massive windfall, we were able to develop a myriad of inventions to harness this energy and radically expand wealth and productivity. However, these energy sources are finite, and there is no viable alternative for them currently in a time where we are already beginning to run into the limits of cheap energy (see here: https://newsroom.co.nz/2023/04/05/jack-santa-barbara-energy-cannibalism-will-suck-us-dry/) In addition to the energy concerns that I mentioned above, the next 100 years may deteriorate economic growth due to: 1) changing demographics in which a much larger percentage of people are elderly, and 2) increased effects of Global Warming, causing increasingly destructive (and expensive) natural disasters. For point 1, the birthrate has been falling precipitously in advanced economies for the last several decades. Low birthrates result in an increasingly larger percentage of a nation's population falling within an elderly age range. Senior citizens tend to consume less than other citizens because they earn less money (due to being on Social Security, pension, or some other fixed income plan), and they don't have kids so their need for housing/food/other items is less. This decreased consumption would impact corporate revenues and perhaps stock prices. Furthermore, senior citizens place downward pressure on stock prices since they are often selling stocks to finance their retirements. For point 2, due to the effects of climate change, the number of $1 billion plus natural disasters are increasing in frequency (see here: https://www.climate.gov/news-features/blogs/beyond-data/2023-historic-year-us-billion-dollar-weather-and-climate-disasters#:\~:text=The%20number%20and%20cost%20of,and%20the%20fact%20that%20climate ). This will get worse as the pace of greenhouse gas emissions have only increased in the last 30 years and show no signs of slowing. As natural disasters increase in frequency and severity, more resources will have to be devoted to rebuilding existing infrastructure, which will take money and resources away from creating new infrastructure for growth. I view this as a major headwind to future economic growth. So with all of this in mind, will growth-oriented stocks really outperform all investments? Or looking ahead into a more turbulent future, are there other investments that may perform better? submitted by /u/WorldyBridges33 [link] [comments]

  • Coming up on FI number and looking for advice getting organized
    by /u/smurfyslaw78 (Financial Independence / Retire Early) on March 26, 2024 at 8:20 pm

    Long time lurker, first time poster. I read Simple Path to Wealth about 8 years ago and did a nice job of living below my means and investing the rest, and now I am looking to stop working but would like to be a little more organized and secure first. With the recent market gains, we sort of reached our FIRE number unexpectedly, and we haven’t been checking in on our accounts much in the past few years. I would love to leave my job in June, and my wife enjoys her job and would like to continue working for a while. No kids. My question is what I should be focused on improving this year before I leave employment (likely permanently) and while we still have some income. I’m also open to overall feedback and reading suggestions as I am generally a little uneducated in this type of personal finance. Current income is $115k with $17k bonus in June, and my wife is about $110k with random bonuses, usually a few thousand each time. We plan to spend around $60-75k per year in retirement. Current balances: $80k cash HYSA $398k my 401k (65% stock in FXAIX, 35% bond in FXNAX) $424k my wife’s 401k (80% misc index stock, 20% bond in FXNAX) $225k in ESOP value (ESOP would be rolled to trad IRA at Vanguard if she leaves) $36k total both Roth IRAs (100% stock in VTSAX) $46k total both trad IRAs (50% stock in VTSAX, 50% bond in VBTLX) $59k HSA invested (80% misc index stock, 20% bond in VBMPX) $728k taxable brokerage (45% VTSAX, 28% VFIAX, 24% misc index stock, 3% bond in BND) Total: $2m Upcoming income will go toward cash and bonds to help rebalance the portfolio without incurring taxable events, with a final goal of 75% stock, 20% bond, and 5% cash. My understanding is that asset allocation can be spread across all accounts, but I would feel more secure with each of my buckets (retirement/non-retirement) having their own allocation because I’m not confident in my skills to navigate between the two. Any advice here is also appreciated. submitted by /u/smurfyslaw78 [link] [comments]

  • For all those who have reached FIRE, are you happier now?
    by /u/ZoomingtoFIRE (Financial Independence / Retire Early) on March 26, 2024 at 6:32 pm

    I’m curious for those whom have reached FIRE, are you happier? If so, how do you spend your time now? submitted by /u/ZoomingtoFIRE [link] [comments]

  • Daily FI discussion thread - Tuesday, March 26, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 26, 2024 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • How to feel like you have “enough”?
    by /u/Weary-Map9384 (Financial Independence / Retire Early) on March 26, 2024 at 8:27 am

    Hey folks! Not sure if this is the right sub but I’m just feeling a bit down and want to get advice from folks who might be in a similar situation. A few years ago, I set a goal for myself and my family. I felt that if we could get to $5m net worth we would be comfortable and could enjoy our lives knowing that our retirement would be assured. My wife and I are both 33, we are currently at $3.6m net worth, and we own a home that fits all our needs. By all measures, we have everything we could ever want, and more. However, getting to this position means that we have made friends who are doing “better” than we are. Folks who have 2-5x more than we do, are further along in their careers than we are, or have just generally made smarter moves than we have. Our original goal is within reach, but I find myself wanting to adjust that goal in order to keep up with our friends - obsessing over how to optimize my career, perhaps at the expense of personal happiness. I’m familiar with the concept of “lifestyle creep”, but is this the same thing? I myself wanting to adjust our goal to $10m, but I know that if I were somehow able to hit that number, I would feel as unfulfilled as I do now and just end up adjusting it even higher. How do yall know when you have “enough”? Is there anything that has helped you get perspective and do you have advice for others who might be in a similar situation? submitted by /u/Weary-Map9384 [link] [comments]

  • Mortgage vs. Investments – need help with allocation
    by /u/baristaFIRE69 (Financial Independence / Retire Early) on March 25, 2024 at 8:23 pm

    Hey everyone, I'm trying to decide where to put extra cash after maxing out my 401k and HSA. Should I focus on hammering down my mortgage or invest more? FIRE goal: FIRE by age 40-45 (currently 29) with ~$1.7M and fully paid off house Quick background: Bought first house last year – $490k mortgage remaining at 7.9% (ugh). Planning to refinance in early 2025 when rates improve I have about $70k extra per year to direct at something Currently splitting roughly 50/50 between extra mortgage principal payments and taxable investments Is this the right balance? Would love your thoughts! submitted by /u/baristaFIRE69 [link] [comments]

  • Annual Post #7, Middle Class Path to FI
    by /u/PackDaddyFI (Financial Independence / Retire Early) on March 25, 2024 at 7:41 pm

    Links to my previous updates one, two, three, four, five, and six. ​ Brief Summary Dual income (combined gross $155,007) couple with two kids living in the midwest. Teacher/non-profit workers work overseas experience. ​ Income/W2 Employment Summary -Me (32 y/o) - Senior Program Officer - $95,844 (includes 10% match & 5% bonus of former year’s salary) Last year’s post was before my review process, where I received a 5% increase and 5% bonus, making 2023 a gross income year of $84,350. I mention that because, without that context, this year’s increase would look quite large, as I received a 14% promotion, as well as a 5% bonus, bringing my gross comp to nearly $100k. To be honest, I’m still a bit shocked looking at this number because I genuinely never expected to touch 100k in non-profit. In many ways I’m thankful to my previous manager roles where I was punching above my weight in terms of responsibility, as they gave me the ability to easily take on my current role and be assigned to higher profile projects where, due to their high profile, I feel I’m on a fast track. This promotion shouldn’t affect my work life balance too much, but the next tier seems to experience a fair bit of burnout, which has me thinking I need to figure out what I want next. If I could give some unsolicited advice to someone in a non-profit looking to make more, it would be to take on the big scary projects, push hard while cutting your teeth, learn the boring stuff no one likes to do, and don’t be afraid to shift fields. There are many ways to non-profit, and non-profit doesn’t necessarily mean low pay. Also, learn a language! Every role I’ve ever had (apart from being an ESOL teacher) is because I speak French and/or Chinese. This country (US) doesn’t seem to value it, so set yourself apart and learn it. ​ -Spouse (31 y/o) - French Teacher - $59,163 Not much of an update here. SO still loves their work despite the long commute (30 minutes each way). She had an opportunity to move to a closer district last year that fell through, but ultimately helped her realize how much she values the culture of her building. Though it’s a longer commute, the salary schedule actually is quite rewarding after you have some time in district and she’ll be close to 100k within 10 years assuming no changes (positive or negative) to her education and/or salary schedule. That said, this Spring Break she powered through a course that will move her over on the schedule. So we may just hit that number a year or so sooner. ​ -Family Reading last year’s post and seeing how fast we’ve come… just wow. I’m very happy to report that our oldest son is fully conversant and on par with his classmates now. SO had a scary doctor’s visit late last year that basically told us we needed to make some lifestyle changes, cutting carbs, sugars, upping protein, and exercising. The annual follow up is coming soon, but I’m proud to say the household has lost at least 75 lbs in fat to date and we’re both feeling better. SO loves working with a trainer and we have an at home gym that I use between meetings. Everyone is happy and seemingly healthy. Financially though,I will say that daycare costs began for us in August and it is incredible how much it costs for two kids in an average daycare center in the midwest. Costs increase later this week, bringing us to just shy of $28,500 annualized daycare costs. And let me just say, this has been an adjustment. Our cash reserves have taken a beating as we stubbornly struggle(d?) to adjust our spending to accommodate for the high costs. I just learned of my promotion a few weeks ago, so we’re hopeful the increased income helps us right the ship. We haven’t begun taking advantage of Dependent Care FSAs yet but will likely begin to do so in the upcoming enrollment cycle. Needless to say, it’s going to feel like a huge payraise when our daycare costs suddenly end in a few years. ​ Numbers Net Worth - $283,574 Investments - $167,286.58 This number is inclusive of SO’s pension balance. As mentioned last year, we’re planning to use her retirement accounts to fund purchasing years. I’ve got the paperwork on my desk and the plan is to purchase our first in the coming months.Aiming for a full pension in 16-18 years. Home Equity - $108,082.19 Cash - $12,395.49 “Debt” - ($4,189.87) (In quotations, as this is a snapshot of balances on the day I record. In this particular instance I was just returning from a business trip where I’m waiting for a ~$2,700 reimbursement to be approved) ​ Final Thoughts/Reflections This year wasn’t as big of a Net Worth bump as I’d hoped, and most of that can be blamed on lifestyle inflation and childcare costs. As well as perhaps a bit of actual inflation. The reduction in cash was stopped within a few months of daycare starting and we have plans to build that back up, but it’s going to take some time. Daycare is just shy of my SO’s actual takehome pay after required pension contributions. Other than that… Honestly, I’m just starting to feel…old? 2023 through early 2024 wasn’t easy with SO’s health news, but I also lost a grandparent, had two parents go through a rough divorce (one losing their mom, my grandma, and the other being laid off shortly after). I also had to watch my dad go through six weeks of radiation for cancer. We’re waiting to see what the long-term prognosis of that is. I’m just starting to notice the cracks in my parents. They’re getting old, not as sharp as they used to be, not as strong, and they’re self sabotaging (we all are). Having all this happen, while my kids grow up and become more independent… I’m just starting to see how ephemeral life really is. We’re just another chapter before the next, living the same struggles personified in our unique voices. I’ve said it for years about my fields of work, but if society says we have to work, then we may as well do something that helps humanity along the way. This has been ringing a lot more true over the last year. submitted by /u/PackDaddyFI [link] [comments]

  • After making 7 figures on the side I still have a day job
    by /u/babbleway (Financial Independence / Retire Early) on March 25, 2024 at 7:17 pm

    Exactly 5 years ago I posted this asking for advice on whether I should quit my day job or not so I wanted to share an update. I ended up going against the advice of many people and kept my day job while still working on my side hustle in my spare time. Since then: My net worth has nearly quadrupled from $500K to $1.8M My total side hustle profits increased by 7 figures I've maxed both retirement accounts (SEP & 401k) every year My wife was able to quit her job We had a kid and upgraded our house while remaining 100% debt-free I negotiated part-time WFH at my day job My goal is to have $2M total invested by age 40 while staying debt-free. Planning to retire from day job at age 44. Sometimes I wonder if I had quit my day job would my progress be even further, but I'm glad I kept the security of a stable income and benefits. Golden handcuffs are real, but they also help me sleep at night! My advice for people in a similar situation of having a day job and a side hustle: Instead of quitting your day job, use your extra side income as a motivator to negotiate better conditions at your day job. You'd be surprised at how much some employers don't want to go through the process of replacing an employee. submitted by /u/babbleway [link] [comments]

  • Daily FI discussion thread - Monday, March 25, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 25, 2024 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Early retirement account withdrawal strategy - guidance requested
    by /u/Masterpnutz (Financial Independence / Retire Early) on March 25, 2024 at 1:38 am

    As I am approaching my early retirement goal at 50 years old, I am starting to think about the best way to withdraw from my retirement accounts for tax efficiency and to take advantage of as much capital appreciation during the draw down phase. I am fortunate enough to be entitled to receive a COLA-adjusted pension upon retirement but will still need to withdraw from our retirement accounts to meet our expected expenses. . I plan to get an ACA plan so keeping income down would be helpful. Here is my plan at retirement and where I need scrutiny: Rollover my wife's 403b to her traditional rollover IRA Start Roth conversion ladder by converting traditional IRA to wife's Roth IRA Withdraw from taxable account (will cover 5 years of withdrawal need) Start withdrawing from my governmental 457 (at age 55, this is penaty-free). In order to keep the account invested in equities, I plan to withdraw from the stable value fund first, which will cover 2 years of withdrawal need) Continue to convert traditional rollover IRA to wife's Roth IRA every year At age 57, start to withdraw from Roth IRA from conversion ladder (income will be tax and penalty free) Every year, withdraw from conversion ladder In the meantime, the leftover 457 and my untouched Roth IRA continue to appreciate as they stay invested in the market. Questions: 1. Is it better to start the Roth conversion ladder upon retirement (can I even do this at age 50), or should I just withdraw from my 457 because it is penalty free (although I have to pay taxes)? 2. Should I withdraw from the taxable account first to meet withdrawal needs or just tap into the 457 and let the taxable account grow? 3. After step 4, since my plan is to withdraw from my wife's Roth IRA, should I also start doing a Roth conversion ladder from my 457, or leave that alone? This is all so complicated to me so I would greatly appreciate any insight and guidance from this community. Changing from an accumulation mindset to one of spending and reaping the rewards will definitely be a challenge, but my wife and I have plans on how to enjoy the rest of our lives. submitted by /u/Masterpnutz [link] [comments]

  • Rising Glidepath in practice
    by /u/running_rino (Financial Independence / Retire Early) on March 24, 2024 at 6:19 pm

    I am currently researching glidepaths, both pre and post retirement. I have been carefully dissecting ERN part 19 and interested to here if others are planning to implement this. To summarise. ERN's data shows that SWR rates are better in worst case scenarios when using a 60%-100% equity balance spread out over 11 yrs. 100% fixed allocation has significantly worse outcomes in worst case scenarios. Realistically though if we look at 5% worse outcomes the protection of the bond tend lessens to 0.2%... So is it worth the bother of a bond tent of stick with a 70/30 and be done...? It is certainly an interesting article. If you are implementing a glidepath pre or post retirement care sharing your plan and rational? ​ submitted by /u/running_rino [link] [comments]

  • Guiding parents to be more liberal with their spend and Die With Nothing principles
    by /u/guyferrarihair (Financial Independence / Retire Early) on March 24, 2024 at 1:47 pm

    My parents (mid 70’s) have ~2million, 1/2 in stocks and 1/2 in CDs earning about 5% and own their home outright. They both grew up very poor so continue to live like they are poor. They probably spend ~40k/yr between the two of them. My dad still consults earning ~$150k/yr but will retire at the end of this year. They are being forced to withdraw from IRA accounts, earning 2 pension, and earning SS that more than covers their living expenses. They keep having to buy more CDs each time their checking account exceeds the insured limit. It’s a good problem to have and banks love them. My parents don’t know how to spend their money and are content with their lifestyle. I think they should treat themselves more but they complain about high prices any time we go out to eat or do almost anything since it’s ingrained in them. I’m personally in a very good spot so don’t need anything from my parents. No debts asides from home and rental properties and I make good money. My parents haven’t helped me or my siblings financially after high school so they may think it’d be unfair to help my brother. My brother is about to start his residency and has ~400k in student loan debt between under grad debt, grad debt, and med school debt. He isn’t bad with money, lives frugally, no cc debt, old car. It’s just school is very expensive. Especially when you go to it for as long as he has without big scholarships and compounded interest working against you. How would you approach this without sounding like you’re asking for money yourself? I don’t know what exactly I’d be asking them to do either. Like maybe help my brother buy a house or pay down some of his debts? I also don’t know how expensive is late life care? They are mid 70’s and definitely slowing down but no serious health issues. Are they in an appropriate spot? How much is enough to set aside for medical? I wish they’d spend more on themselves for their own enjoyment but they cringe at the cost of everything. They’ve done an incredible job teaching us to be frugal and financially responsible. submitted by /u/guyferrarihair [link] [comments]

  • Daily FI discussion thread - Sunday, March 24, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 24, 2024 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Legacy minded or die with zero?
    by /u/Same_Cut1196 (Financial Independence / Retire Early) on March 24, 2024 at 9:01 am

    There is no right or wrong answer here. I’m curious about those, primarily with kids, if you are actively planning on leaving a legacy to them, or if it is your desire to consume it all. I happen to be legacy minded. When I was a kid I always thought how great it would be to be given a gift of wealth. That never happened. But, because both of my parents died young and I was concerned, genetically, that I might too, I saved and invested aggressively from a young age. We are now financially set and don’t spend enough to offset the growth of our investments. I have plans to fund a small college scholarship for graduating seniors where I can control where the money goes. I’m a bit frustrated with the high administrative costs with larger charities, so I like to give personally (generous tips and unexpected gifts), and provide for the benefit of my kids and grandkids. My father in law is on the other side of the fence and can be frequently heard telling his kids “don’t plan on any inheritance, because I’m spending my last dollar at the bar” or something to that effect. And, that’s ok with us. He earned it. He can spend it as he sees fit. What’s your story? submitted by /u/Same_Cut1196 [link] [comments]

  • Travel Now or Wait a few years but risk SO not being able to see the sights?
    by /u/roscoe-thedad (Financial Independence / Retire Early) on March 23, 2024 at 6:04 pm

    High level details. I am 51 and wife is 49 she has Macular degeneration diagnosed 3 years ago. We are already seeing loss of sight from it. Our youngest child is 17 and graduates in May. We own our house out right. Have a recreation property (only debt 90K) Net Value is $350 K. Have a net worth of 1.4 M 450 K (retirement type accounts) 100 k in liquid accounts rest tied in real estate (house and recreation property). ​ The main question with her losing her eyesight I want to travel with her, once our youngest leaves to serve a church mission. I would like to rent the home for income of 30 K a year. And sell fractional ownership into the recreational property so that we can afford to do that. The concern is then when I get back how to I restart my career? Is it worth taking time of work before retirement and missing out on potential investment long term growth? Is it worth Helping her her see some of the items on her bucket list in person, items like Big Ben, Eiffel Tower, Christ Statue in Brazil etc. Or do I keep focused on the long retirement plan and hopeful cash out at 60 under FIRE? I realize this is a personal decision but looking to like minded people to see what the opinions are. ​ submitted by /u/roscoe-thedad [link] [comments]

  • Daily FI discussion thread - Saturday, March 23, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 23, 2024 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • From Poverty to 1MM
    by /u/Ok-FIRE-Away (Financial Independence / Retire Early) on March 22, 2024 at 5:59 pm

    I've been working since I was about 11 years old, and as of this month I've officially hit 1 million dollars invested (retirement accounts + brokerage). I grew up poor to the point where I remember being around 6 years old and pretending not to be hungry so my parents would eat, so this all feels very surreal to me. I'm lucky enough to have a high paying tech job now, but it wasn't so long ago that I almost died multiple times while working manual labor for minimum wage. Having a roofing nail inches away from your skull or almost falling three stories onto concrete has a way of making you appreciate life. I feel really uneasy talking about this in real life, but wanted to tell someone since it's such a huge milestone for me and it's been a exhausting few decades. Hope you don't mind me sharing. I'm also happy to answer any questions you may have. Some of my journey won't be repeatable, but there are definitely some good lessons learned along the way. Financial history Year MAGI Spending Networth 2008 $11,954 ? - $45,000 2009 $19,139 ? ? 2010 $16,127 ? ? 2011 $1,655 ? ? 2012 $19,667 ? ? 2013 $30,566 ? ? 2014 $37,742 ? ? 2015 $60,712 ? ? 2016 $88,431 ? ? 2017 $52,751 ? -$25,000 2018 $63,841 $35,973 -$20,000 2019 $159,607 $64,624 $15,000 2020 $267,881 $83,140 $145,000 2021 $456,307 $141,948 $489,000 2022 $454,624 $165,065 $619,000 2023 $452,000 $118,090 $835,000 Timeline (more numbers below) 2003-2007: I worked full time through college but still graduated with ~$45,000 in debt. 2008-2010: After school I worked 60-70 hours a week in a manual labor job, while starting a small business in my field (which took another ~20 hours a week). The idea was to pay off my student loans as aggressively as possible. 2011: Moved to a vhcol city. Was living off $8 a day plus rent and utilities. 2012: Started my own software development business with 3 partners. 2013-2014: Agressively reinvested almost all profits into the business. 2015: Lost all our paying clients. Burned through hundreds of thousands of dollars in company savings since we refused to fire our employees. Injected personal capital. 2016-2017: Slowly got more work. 2018: Became the sole provider for a family of four in a vhcol area (4 people in 550sqft). Survived by transferring debt between 0% apr credit card offers. Financial stress kept me up most nights. 2019: Got married and had a baby. Realized my business income wasn't going to cut it. Quit my position at my business and got a job at a F100 company. Worked 60+ hr weeks but finally out of debt. 2020: Life is work, baby, housework. Bought a used car. Baby still wakes up multiple times a night so I get almost no sleep. 2021: Had another baby (sole provider for a family of 6 in vhcol). Jumped to FAANG. Spending got out of control but I didn't realize because I was working ~80 hour weeks and spending every available second with my kids. Sold my shares of my old business to my partners. Still no sleep. 2022: Moved 2hrs away from work and bought a house for 500k. Stock crashed hard so I got cheap RSUs. Kid is down to waking up once per night, I stop accidentally walking into walls. 2023: Still brutal work life balance but getting a bit better. Focused on cutting costs. Stock recovered. After four years my kid is FINALLY sleeping through the night. 2024: Still the sole provider. Established healthy boundaries at work, down to 40-50 hours a week and working on my stress levels. Got rediculously lucky with RSUs and stock growth. Realistically this year is probably the most I'll ever make in my lifetime unless I make principal and survive at FAANG for at least 4-5 more years. Realized I'm stressing out about money to a really unhealthy extent, and that I should actually spend and enjoy some of what I've made. Things are really looking up. Current Assets Type Value Comment Traditional 401ks $187,646 Roth $29,397 Didn't realize I could do MBD Roth until this year. Brokerage $780,786 Checking $16,483 I keep this small since I can cash in the money market accounts. Crypto $109,728 Yes I know I should liquidate all of this, but I probably won't. I already took some gains. The rest I consider this my fun money in my portfolio since everything else is index funds. I bought in early so my cost basis is super low and I won't stress if it drops. Probably not buying anymore though. 529s $43,224 Not counted as part of my holdings Allocations Type Percent Comment VTI 63.01% Will raise this to 70-75% VXUS 13.62% Will raise this to 15-20% Money Market 5.36% Will reduce this or put it into treasuries Vested RSUs 8.16% Will bring this down to 0-5% Crypto 9.85% Will bring this down to ~5% FIRE Target 3.5MM-4MM. Depending on how long I can survive in my current job I should hit that sometime between 45-55 years old. Conclusion This has been a wild journey. I never expected to make it this far, and likely wouldn't have without a combination of rediculous work, die hard tenacity, my wife and friends, and a whole LOT of luck. Happy to answer any questions you have. Wishing you all the best in your own journeys! submitted by /u/Ok-FIRE-Away [link] [comments]


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