< DadBodfi >
Crack a Beer. Crack a Joke. Crack the code to Financial Independence.
Beer Review - Basement IPA - Scofflaw Brewing Co. (Atlanta, GA)
"SHH! Don't ask what is happening in the basement!" is the tagline for this "Juicy and Dank IPA". It should have been the tagline for my parents house where my three brothers and I were raised...if only those walls could talk. Anyways this baby came in hot at 7.5% ABV and I could taste it. It was way too bitter for my liking and I couldn't pick up any of the citrus it claimed to have. It even tasted a little skunky. Scofflaw recommends pairing it with a cheeseburger or pizza, so that explains the experience they're trying to offer. Official Score: 5/10
Well shit. I have been on this journey for a little over 6 months. I have created a budget and paid off a good chunk of debt. I have started a side hustle and invested the extra earnings. I have cut the cord, insourced whatever I could, and "Tidied Up".
My income will not drastically grow in the foreseeable future but my expenses unfortunately might. I will have to pay for things like school for my children and car repairs. I am not going to retire tomorrow and the road seems so far away. So what now?
Here's my answer: find out what else you can improve on, it may not have to be financially relevant. Don't steer away from your goals, but try something new. You don't HAVE to listen to a financial podcast every day on your way to work. They will still be there when you want to hear them.
For me, I have turned to running. I never (ever) thought I would say that. There is a 1-mile route in my neighborhood that has a ton of hills. I've ran it about 20 times and my time has gone down all but once. I track my progress in a journal along with my net worth, total debt, and weight. It is amazing to look at the progress I've made.
If I get discouraged it's important to take a second and compare where I was before I started this journey. I was making minimum payments on debt, investing a small amount into my 401K, and hoping I would have excess cash leftover at the end of the month. But now the plan is in place and I am certain I have already slashed a couple years off my working career.
An early retirement will not come overnight, but I need to stay the course and enjoy the ride. If you're like me and feel like you need to be doing something every minute to get there, go read a book, build something for your house, or even take an Amazon Turk survey for cash. Just remember it's okay to take a breather, your personal capital page can be checked next week.
Here's to us.