My New Life: Two Years After Early Retirement

hey eric here with two sides of fight just checking in to lay the groundwork for this episode format here is a little bit different than our standard format if you're at all familiar with the show i'm the one who's prefi i'm shooting for a target phi date of 2024 my friend jason reached his fine number in 2020 and retired early moved his family from a high cost of living area in california to a relatively lower cost of living area in california so he's two years into his early retirement and i'm about two years away and as i get closer to this date i have questions and i have concerns so i was thinking the best way to get some of these concerns and questions answered might be to actually just step into the fire lifestyle for a short period of time try it on and i thought the best way to do that was for me to take a trip from maine out to california and visit jason and see what his fire life was like live without work responsibilities without thinking about finances and of course i had lots of questions for jason to see how he's getting on nearly two years in each other i get up around 5 a.m typically schedule i've had for years i don't use an alarm i know a lot of people like looking forward to getting rid of the alarm was never a thing for me that's that's cool um but i get up at five and then make some tea make some herbal tea and then uh depending on the day i either go right to my desk so i've got some things i want to work on check on some things for the show if we have an episode going live that day or pretty often i also will just go sit on the couch and watch the show for an hour so some tv or movie that i have been waiting to watch so that's always starts that way and then some chore related things right see my daughter off to school take care of the dishes and then i will uh my wife gets up around 8 30. maybe i'll do some cooking especially in the summer when it's really hot i'll cook stuff in the morning that's for later in the day and go for a walk after that that's kind of the chunk of time where like kind of like work day was now it's just whatever i'm doing that day fits in that time so i feel like high level my days the structure of them like sort of the bookends are pretty similar but what's in between is largely different now and it changes day to day whereas before i'm commuting doing the work thing commuting home now that whole window of time is kind of like what i get to fill and it's much more variable fill it with the my interests it could be learning it could be going out and moving doing some hiking or something like that pursuing some other hobby maybe going to a winery someday i like to cook a lot so i definitely have done way more than that in the past whereas lori took on all the dinners when i was working because she's a nice person i now do almost all the cooking for the family so that's been a great change and something to get back to that i kind of left behind early in my career to be honest with you are you adjusted both adjusted to you know coexisting in that same space because lori was on her own for a while yeah i think the you know sort of coveted lockdown gave us some practice even before i started stopped working i had three months where i was working from home in the same space and we figured out a lot of things pretty quickly like and we've talked a little bit about this on the show in the past you know i was used to having an office and a lot of quiet and the noise of the household was new to me when i was trying to work and be on calls and things like that and it i could be pretty irritable about it sometimes so figuring that out was really important we communicated way better about it once we did i was being unrealistic very clearly i know that now and i think we figured out a lot um honestly the benefits of being able to spend so much more time together have been huge i used to travel a lot internationally as well so i would be gone for a while i mean you know a little break from me is great i'm sure but lori pretty clearly uh was happy having me around a lot more and honestly just like being in the same place it doesn't mean we had to be doing like activities every day although we do hike a lot together and and do some uh you know other activities outdoors together just being in the same room or reading you know together i don't know it's just nice to be able to like ask a question in the moment and for just like most people for years and years and years we didn't work in the same place so we wouldn't be able to have those little conversations throughout the day or i don't know like i guess to be perfectly honest with you i since i've been home like i just appreciate much more the time that i have with laurie and i feel like i may have taken some of that for granted when i was working i mean i would leave for work before she got up i would get home at dinner time and i i started to get tired by 9 9 30. so i'm in bed by 10 o'clock so i mean besides weekends we just had those few hours a day like everybody does and you end up taking those to like you know just the must do's like have a meal together like talk a little bit about anything going on and then like you know maybe watch tv before bed so not always the most fulfilling time and now um it's complete opposite we're as much time together as we want um we give each other breaks too it's not like we have to be you know lockstep all the time together but i mean i took i took to writing like lori a little note every morning like with her tea when i bring it to her um that's something i never would have been able to do before it's just i don't know it's kind of nice like it seems like a silly little thing but it's like just for me it's like a very personally a very nice way to just in small ways express that like i'm i'm super psyched that we have this time together now and i'm really enjoying it the biggest part of my path to phi is something you called career leveling up i moved a lot uh between companies i'm physically our family moved to different states moved all the way across the country i traveled a lot like that was how i got my career progression to where it got to and the advancement i was able to get and that came with trade-offs and there weren't ones we always discussed but i always like come back to this this one time it came up yesterday at wine tasting right lori was upset about something that wasn't going well and i had come home from a trip and we were talking about it and i was apologetic i mean i felt bad that i wasn't there for the thing that was causing all this problem and she was like well you know what the way i think about it is it's challenging for us now this we're making trade-offs for the time we can have later like our daughter is very very young at that time um when she's a little older and we're doing things to we're able to do more things together as a family you know you're going to be available and that's true um you know you can always second-guess the merit of those trade-offs we believe on net this has been good for us and now i get to i could go to things that my daughter's involved with you know if there was something at school or that i can easily swap in and bring her to an appointment if my wife can't we still take turns don't get me wrong we both pitch in but i'm glad that even if it's not something i would desire to do that day i'm glad i'm just able to be able to help out whereas in the past it wasn't an option it's a big change all right so it appears at least as an outsider you're getting up at the same time doing the same things right i mean that's that's pretty typical for a lot of people i think but you have this big hole where work used to be and so i think a lot of people heading into you know retirement kind of think about okay how am i going to fill that hole and how have you approached that like maybe even from like maybe it's different beginning to now like you've been retired almost two years now right yeah i think it was definitely different beginning to now i mean at the very beginning okay i had some things that were constraining my time a little bit like we moved right we moved three hours away and i had to get a house set up and stuff and and then i think what what i noticed is that in the beginning i was doing bigger things like they took up large chunks of time like i worked on a couple of courses online to build some skills in uh app development for iphone and so i would take like big chunks of time and i would say i was filling up like half days with that stuff kind of uninterrupted which i guess is how i learn and that was really fun but i definitely realized i was starting to jam stuff in and now i would say so fast forward you know maybe more than a year after that so coming up on two years a little i would say a lot freer with how i spend my time um but uh so it's unprogrammed time yeah that's that's a way better way to put it yeah less it's way less programmed there are things to your point that like naturally happen in a certain order wake up have my tea sit at the computer take my daughter to school and but i would say the larger chunks of the day where work would have been vary a lot more i think the biggest things i thought about beforehand were are the numbers right right you can only do so many models like did i do a good job did i talk to the right people did i is everything in place like it should be and just because when i pull the trigger all right oh there's no turning back right and i definitely thought about that a lot and i can definitely think of a few conversations where my wife talked me down off the ledge um because i was getting worked up about that and i guess that's i don't think that's abnormal but i definitely found myself especially towards the end thinking about it on and off at times so that was i think those concerns pre were definitely part of it i think maybe surprisingly um i wasn't super worried about like stepping away from the work stuff after um i think my first reaction was probably pretty similar and it was like uh is am i withdrawing like to too much like should i should i be more conservative is financially yeah like focusing on the numbers a little more than i thought it would not like i don't know right the right way to put it but i was i would say i was hyper aware of spending to the point where like lori called me out a couple times when i would be asking her like oh what's this like just looking at you know expenses coming in and you know you can convince it's like one of those things where i guess you can convince yourself like all you want in advance that the numbers are right or everything but like once like the button has been pushed and the paycheck stopped like it's it's pretty natural to think like well is it right right i mean i wouldn't say i was agonizing over i was more conscious of expenses coming in and thinking about them and thinking about the budget and wondering if it was right you know a year and a half before i retired i started you know actively budgeting something i'd never done before like tracking expenses so i had an expectation like i'm probably going to spend this much on like groceries and stuff like that every month and had data to back it up and then suddenly the first month after i retire it's higher than that and i'm like well obviously then the rest of the budget's probably wrong like so i've screwed up even though i have two years of data i'm an idiot like and i'm in trouble so now i need to like be a little more careful maybe spend a little less a lot of this i would say i was definitely trying to keep in like i definitely didn't want lori to feel like oh like he didn't do a good job because she's always yeah you know you're you're being your own worst critic like you know you i've seen you've shown me this it's right you know it's we'll adjust if we need to but don't worry about it so i did keep a lot of this to myself um i think i just needed to see more data i needed to see more months and you're comfortable with the fact that it's life right there's going to be spikes and things something's going to go up some things are going down withdrawal rate we're trying to keep you know it's below three percent so like that's one of the reasons we keep it there because if there's noise like who cares so i mean i can't know like long term if it's gonna play out the way i think but at least on the short term looking at the first year or second year it's like well obviously it's fine like there's been things that are more than i thought and things are less so i've definitely become more confident of that over time and i think less about that i'm even thinking about like dropping the kind of budgeting i do down to like you know bigger buckets of stuff and not not tracking quite as much because i have a different level of confidence now right it's maybe i i'm maybe next month i'll start that i'm close well it's funny because um i'm i'm pretty sure this is going to come out after that the episode where we talk about you firing your financial advisors right okay so like part of the confidence comes like not having a co-pilot anymore too and like that's to me it's like it's an even bigger step because you're con your handle hand is on all of the controls like he you know it's totally on you to to manage it so it's i mean it's interesting to see how long do you think it took you to get to get to that point that's a great question like immediately my brain started going there when you said that like how long has it been i was like well it's kind of been like almost four months okay since i had the call where i said you know i was gonna take this on myself and i will say that almost immediately like two days later maybe i started thinking like well maybe this was a really stupid idea i had something so this is like a pattern with you i know it is like and second guessing yourself and imposter syndrome it's normal it's the like people get that right i mean i'm no no better um and i spent so much time in my spreadsheets and really thought through what i had done and had a consult with a fee only uh advice only advisor just to kind of you know revisit what i thought was true and some of the things i wanted to change slightly from how they were in the portfolio with advisors and i think through that and just spending really probably a few weeks to be totally honest with you in time in my spreadsheets and looking at my portfolio and i agreed doing more modeling before i said you know what i actually feel pretty good so maybe it's like a full month month and a half after i went out on my own without advisors before i started to feel really confident and now i feel good now i feel like i know it's the right decision this is just the usual kind of like path when you make a big change and but in the beginning i would say i was a little surprised by not feeling as confident as i thought it was because i was so confident really thinking about it for months and then you know when it happens it's like oh well maybe that wasn't right well and it has kind of the past four months have been really rocky yeah timing's great in the stock market and like you know you and i have had these discussions before where you tell me just don't look at it man just so are you able to follow your own advice i am and certainly now it was a little harder for me a few months ago because i knew there were some changes i wanted to make right i wanted to add a little more conservatism i wanted to get some things out that weren't really fixed income into more traditional fixed income and i was nervous because i was like well is this the right time or whatever and as it turned out actually the downturn a little bit made some of those changes easier to absorb you know some gains disappeared was able to move things into because you told me not to look at the market but yet you were doing it i had to i had to um since then over the next i guess it's been almost another two months since that time i really haven't been looking at it i'm very happy that i'm not that feels good to me but like big picture i think i do still still think from time to time like how well how well tested is this model right and i've read the same post you have in many cases but that doesn't mean i'm not really second guessing sometime like well is every no no year is like any other year and like how many things have to happen in the world before you're like well this unprecedented set of events is gonna drive unprecedented economic changes and so you know we've talked a lot about bucket strategies and like years of cash and years of bonds but maybe it's not enough this time so i wouldn't say it's preoccupying me all that my mind all the time but it comes up more than we probably discuss or it like bubbles up that day where i'm like well i wonder like 20 years from now where is it going to be or 10 years from now i mean i know i can adjust along the way but yeah i think about it it's not making me think about making changes it's just making me wonder is it gonna work out yeah um me visiting here and kind of trying on this like retired lifestyle a little bit you know that's that's kind of how i see this visit obviously i want to catch up with you and lori and see you know your family how you live at where you live and yeah but you know part of this is um i want to see how you're thinking about my preoccupations like my preoccupations right now are all right spending like if i have to transition to spending what is this gonna look how's it gonna feel yeah and as i look at you you don't seem outwardly concerned like when you have visitors you're obviously doing things that are out of your normal schedule you're probably spending a little more money you know you're doing different things than a day day in day out but i can say as an outsider i don't see that it bothers you necessarily but what is it what is it like ins what's the internal dialogue that i don't see i think on that stuff it feels pretty good because it's like you know our retirement model didn't plan on laurie and i bringing in any extra income and that budget was not built with it in mind so when some you know when you come other people come visit us like we go out to eat more we might go to you know a fancier place for wine tasting something like that and we're spending more money and so we just the way we think about it is you know we're bringing in some extra money that's a great way to spend it like spend it on experiences with your family with your friends and like that's fun like that feels good to me that doesn't make me so anxious as like oh like could we take an extra vacation like well maybe that is that too much money or is that okay um i actually it feels pretty good when we do stuff like this does it feel good because you have that extra income coming in or do you does it feel good because you designed the right plan and you're executing on it or does it or is it like that you're not the amount that you're spending is inconsequential what do you think of those things i think there's merit to all of them but i think very specifically the first thing that comes to mind is the extra income oh okay so you didn't plan for this i didn't i i would not say i built the budget with like well here's how many people are going to visit us a year and maybe and this is a good tip for you man um you live somewhere where people want to come visit you like think about like well how much time do you how much money do you really spend when people come out right go to the seafood restaurant now that stuff adds up um i'm like you though i would prioritize that spending but it's also something that i always think about as being difficult to plan for it is it is difficult to plan for uh the reason i thought it was multiple things is i think the second thing is also true which is um the budget is built with a very low withdrawal rate and so we should even though i'm still not always there yet in year two feel comfortable with like exceeding our our projected monthly spending because guess what we're our withdrawal rate is low we're not talking about four percent or even three and a half percent i'm presently below three so it does it does strike me as like you still are paying attention to it which is not a bad thing yeah paying attention i agree too i would i would totally expect that actually like i wouldn't exp if i would say you have to have a pretty large pot to not like have to pay attention to it at a certain level and so it's it's actually reassuring to hear that rather than you just saying no man it's like execute the plan right well let me let me ask you this like how closely do you track expenses right now do you track expense i know you don't budget but do you track expenses not really i mean how much you spend going out to eat in an average month like do you know that no i don't know that okay i mean that could well i guess let me let me phrase it as a question like what about uh i'll tell you how i track it okay like i have i have a certain savings goal for every month and like once i meet that yep then i so you pay yourself first i pay myself first and that's how i mean how do i do that in retirement well i mean that sounds kind of like what fritz does right from retirement manifesto he just has money that comes in into the account and they spend it so in your case if the money is like not going out to pay yourself first then everything else left is conceivably exactly what you do now so as long as that's worked for as many years as you've done it if that's always been what you and laura did like maybe there's not a concern but i can't answer that like for you when you think about like switching like okay i've never been tracking and now i'm not gonna be paying myself first there's gonna be money that i'm going to have auto transferred every month or once a year whatever your system is how do you think that's going to feel is it something you worry about i mean yeah but i don't budget for a very specific reason you know i feel like if i the plan that i'm setting up is to hit savings targets and and if i meet those goals then i then i'm assured the plan is working and so i mean it's maybe it's a little bit of a rethink on how i enter the spend the spend down phase but well maybe we're not so different because that's precisely what i did when i was working yeah i had all my savings goals and then everything else was left to meet the monthly obligations i didn't track it at all and honestly until i started doing that expense tracking exercise a year and a half before i retired i could if you would ask me the same question how much did you spend going out to eat a month i wouldn't know right because when we finally did do it i know but you were doing it like where i'm at now yeah that's true that is a difference but i mean i'll tell you again that's an example of an area i was surprised like how much do we spend on like like the really discretionary stuff like on going out to eat right or you know some of the not not vacations but like little things we do on the weekend and like how much does that add up we were a little surprised yeah and to be to be fair the past couple years have been abnormal that's fair yeah not the best data points for you anyway but we look at a year-end credit card statement for example and say okay this is our annual spend and it this feels like a good life to us you know but you're to your point it's like okay maybe it doesn't capture all the nuance of like these kind of situations and maybe the other buffer the other idea there is just to create this buffer like a bigger buffer like if you're not willing to track granular stuff make a bigger buffer and or it could be work working another job because i guess that tren that kind of segues into this idea of like you both both you and your wife are working extra jobs you're volunteering at various places and talk a little bit about the importance of that other than financially because you're not really doing it for financial motivation right no especially me uh but i think true for both of us if i can try to relay her words without laurie being here um like do the winery the one day a week seven hour shift um it's yeah there's financial benefits i get some money and i get discounts on wine which is great but i mean it's more about like the chance to get to interact with people to talk to educate like i'm a wine educator i enjoy that a lot and i haven't worked in like a hospitality job since i was in college but i'm definitely drawn to like the idea of teaching people about something like you know enjoying time meeting people and talking like so i get a lot out of that one day worth of effort and it's largely not financial um it feels rewarding it feels fun like i and i feel like i'm doing something you know useful you didn't always do this job uh right i mean you you got it about a year ago about a year okay so you've done it for about a year how you can compare the two sides of that having you know some vocation and not how is it essential like for you i mean i know you get a lot out of it but what what else could you put in that hole i don't think it's essential and there was even a time where you know in the winter you know it's a tourism driven industry right when you know visitors were lower it was more it was more boring sometimes some days it would be really quiet and that just felt like okay that's not what i want to do and you know thankfully that time passed it was just you know a couple of you know weeks were like that but i think a lot of things could fit in that time and as soon as something feels like a better use of my time i could change it's hard because i really enjoy it and i think even if that job went away for whatever reason i might still try to find another one day a week winery gig just because right now the benefits make sense for me i'm enjoying it and lori tutors she does yeah she tutors in the afternoons like when kids are out of school she does you know couple hours four days a week mostly math for middle schoolers and she's been doing that for a few years now um you know mostly remote but she really she gets a lot out of it um the whole teaching aspect and watching kids you know grow and do better and you know spend spends a decent amount of time on it i mean even like any teacher outside of when she's with the students and you know for me i guess that's a to me it like makes it clear to me that like she's enjoying this and getting seeing a lot of value in it because she is trading money for time for money and that's not in proportion i think to the benefit that that that kids get versus she gets and she really enjoys it so i mean she could stop anytime she wants but i mean for me like that's a great example of like something she's even done for free like she used to volunteer tutor at schools that um in her past so i think that's like a good model the way a lot of people think in retirement about working you're not doing it to always just to supplement income it's you know it's just a it's a productive use of time that's fulfilling what else is she doing uh she volunteers at a couple different spots one is a botanical garden nearby and then she also works at animal shelter where she does some vet tech duties uh there nightmare i mean it was uh her path at one point was to be a vet so it's a great chance to flex back to her past when she used to do was a vet uh veterinary technician when she was still in college it's cool to see the um you're kind of developing like you went from this identity as a scientist right now you may have identified as other things but i think primarily you saw yourself as as a scientist right uh you know um to now you're kind of starting adding all these hyphens to like what what it is that you do right i mean we went wine tasting yesterday and you there's you have a ton of knowledge about wine it's like really impressive and it's something that you've learned over the past year or so right i mean of course you it's it's a building of skills and it's it's a way for you to communicate with people it's access to the wine industry which is really interesting and um it's kind of cool to see that like yeah your work as a scientist may have changed but you're kind of moving into something the next thing you're kind of graduating to the next thing yeah i mean i've i've caught myself like daydreaming sometimes like oh is this something like i enjoy enough that i want to do more with it like do i want to learn more i mean i i've made wine before i've been brewers you know so i make mostly beer but you know i've thought about like oh would that be fun to like be involved with a winery on the business side or whatever i mean i don't think i want to own one i don't think that sounds very attractive to me but i've wondered um but yeah it has been fun to build skills it was like something that was very hobby i guess that's the right word to use like i used to go wine tasting a lot where i used to live and i learned a lot about it this is definitely a lower cost area to do it in and and doing it as an industry person there's a lot of discounting and and free tastings and things so yeah um i get a lot of on-the-job training slash entertainment and both laurie and i really enjoy that so it's i mean it is one of the parts uh it is one of the reasons why we moved to a region where a lot of wine is made yeah right no it makes so much sense seeing you guys here it feels very natural like a natural fit whatever happened to the i was always thinking you were gonna do like your own brewery yeah like what did did somebody disabuse you of that that notion no um i mean well maybe a little but i think and you're not alone in that and honestly i probably telegraphed that potential future more than any other one when people would ask me like at my former job like when even when the like the note went out that i was going to be leaving the company in a month like every other person who knows me well like would say like oh is it time to open the brewery uh i don't know i i still it still sometimes feels like more of a romantic idea like the idea of like owning a brick and mortar business with hard product and like having to be deal with seasonality and all that stuff as a small business owner which you know better than most people um it starts to feel unattractive like originally earlier on it was like well the capital outlay to start a small brewery is a lot like getting you know getting money right definitely going to take money on something like that i'm not going to sell fund that it sounds silly so i used to worry more about the money side like oh is that smart now it's totally different where it's like do i really want to tie myself down to a business like that that's going to take probably two years to get off the ground and open and then i'm going to be saddled with something where in two years from now my daughter's in college and we have the freedom now to travel how we want and oh by the way i now have a new business that's open and customers who hopefully like what i do well now do i have to hire people or and do i want to do that do i want to sell a business like and so more often these days like that's what i find myself and i think lori is largely in agreement with that idea i mean we again we still both have this romantic idea like i'll be cool to like have something we made and talk to people about it but sometimes i feel like maybe i'm scratching that itch by doing the winery job i'm just talking about somebody else's product which is great and is easy to talk about because it's really good i didn't have to make it or take on any of the overhead and i can quit the job anytime i want if i suddenly don't like it that's the complete opposite of starting a brewery so it's like renting the career versus owning their career really good way to look at it i'm gonna steal that idea a part of me wonders you working or like i mean you've been in some breweries helping to can stuff and like you've seen really how the sausage is made on the business side of it it's very different than that it's probably shown a light on the the realities of that you know yeah was that helpful or it is i mean yeah and i did uh do a day helping out on the packaging line with canning and bottling and you texted me that day uh yeah i know i did it was i was so glad to do it it was it was aspects of it were fun but i kept finding myself echoing what a friend of mine who works in the industry told me once he's like you don't want to do that man he's like brewing is a young guy's game like you don't want to do that and i see like you know at this this place is much larger than anything i would be involved with but like you know when the forklift goes down or whatever like they're carrying 50 pound bags of grain around and like carrying them up ladders and like dumping them in like that sounds awful like i don't want to carry 50 pound potting soil that i get asked to carry does the head brewer do that no not not no well head bur headburd might but brewmaster now yeah and you can't just you know rock it ship to to the brewmaster position not not unless you start it yourself and but then either you're hiring a brewer which is what is recommended by everybody who i've ever talked to or you're doing it yourself which at nearly 50 it really sounds a little stupid it sounds a little stupid because any time i've like found myself getting more back into like manual labor like working on this landscaping around you here like doing like you know tens of loads of you know hundreds of pounds of gravel like i really like that and i have full respect for anybody who does that as a career or a hobby because it's really hard yeah i'd rather rather make beer at a low scale and share it with people then yeah so i mean i don't i i it sounds silly but i find myself incapable of completely giving up the idea of maybe going into that but it does not feel likely at all what would you tell somebody nearing their retirement date or early in retirement right how does it feel it feels really good um is it better than you imagined yeah or is it what you imagined i think conceptually it's what i imagined but since you can't really put yourself in the like how does it feel before you feel it like on net i mean it feels really good i i do not miss work uh you know for others or full-time or i just don't so i really love having as much flexibility as i do like i value that to a fault at this point i really feel like right now i'm still in this even though it's like two years feels like a long time it's really not compared to the span of you know your typical career so i'm still find myself like very much pushing against the idea of somebody scheduling my time even if it's stuff i have to do and like i've had to come to terms with that like no you idiot like you have to do this thing tomorrow because it needs to get done like that's okay it's like okay this stuff gets done so that's a little surprising i wouldn't have anticipated that i don't think anybody could i would say that's maybe like a third to a half of my day follows a kind of a rhythm and the other you know the remainder you know generally more than half varies a decent amount it's unprogrammed yeah it's unprogrammed i would say and that fits me really well i see some people you know crossing the line uh into retirement and they their time is much more consistent like i wake up take a walk at this time my breakfast to do this to do that and so i think a lot of that's really personal but um are you concerned it's gonna you're gonna be able to keep this up long term it's a really good question i don't think so i think now follows more of a rhythm than i suspect it will well we revisit this question in three years then it will in the future i mean right now you know with our daughter still in high school there's a there's a structure to that and it actually has a lot of ad you know follow-on effects that you're well aware of like i can vacation here i can't vacation here because of school and at this time of day i need to be home because you know we're going to do this together or i got to bring her to school because the weather's bad that kind of stuff will change all that stuff will change so i suspect things are going to be pretty different a few years from now we're going to be doing more trips we have this idea of short you know stays abroad in different countries um i'm really looking forward to that i don't i don't regret not being there yet this is the phase of life we're in and it feels really good but i'm pretty excited so i think it's not going to stay the same for me what's what's been worse than you expected um finding finding new people finding friendships of relationships because you know it's a double whammy when you both move and you don't have a job you're moving to because like most people many people a big part of my friend network came from people i would meet at work and i don't have that i meet people in the industry you know i'll go to other wineries or to events and meet people i've certainly met people through the winery i work at you know we started a home brewing club for beer i'm hopeful that translates into some friendships but i didn't anticipate because i think i'm someone that makes friends reasonably well it's not very easy to make good friends deep friendships right those take a long time but you know acquaintances i think i'm pretty good at that and that's not so easy when you don't have those common reference points that has been harder than i thought [Music] you

Channel: Two Sides Of FI

Views: 34,644

Keywords: financial independence retire early, financial independence, fire movement, early retirement, early retirement planning, retire early lifestyle, retire early fire, retire early fire movement, retire early fire method, first year in early retirement, eric reinholdt, two sides of fi, financial independence retire early fire, how to retire early, asset allocation, mutual funds, stocks, bear market, market crash, financial advisor

Id: 0fut4zUHZFY

Length: 36min 29sec (2189 seconds)

Published: Sun May 22 2022