When Tatiana and I look back at our journey towards financial independence and early retirement (FIRE), we're amazed at how far we've come. It's been a wild ride, filled with tough choices, personal growth, and a complete shift in our perspective on money and happiness. The Wake-Up Call For me, the journey began about seven years ago. I was in my mid-thirties, living what I thought was the "American Dream"—a big house with a pool and a lifestyle that ate up every penny I earned. Despite making decent money since college, I had almost nothing saved. Life felt like an endless cycle of spending and paying bills. Then, in 2010, a fire in our neighborhood became the catalyst for change. It made me question what truly mattered in life,
José
José concluded his distinguished 13-year career at Vanguard at age 44, stepping away from corporate life to embrace an early retirement. As a project manager, he expertly orchestrated the creation and delivery of educational materials—both digital and print—for 401(k) participants, ensuring resources reached millions of investors. Today, he embraces life's simpler pleasures: quality time with family, pursuit of passion projects, discovery of new adventures, and leisurely meals in his garden oasis.
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So happy you guys are on your way! And what an inspiring story about how to turn your life around. Also, I applaud you for giving your wife the credit she deserves…
Thank you!!! Yes, there has never been an I on this team. She’s my MVP and deserves the credit. We wouldn’t have gotten this far without the support of each other. Vivo enamorado de mi mujer. 🙂
Thanks for sharing! “Put it on the plastic and pay it later.” This is seriously a big one. At least around here. I just don’t get that mentality. How are people ok with spending money that they don’t yet have? It’s beyond comprehension for me. Very reckless.
Hi Tim,
And the spending levels have gotten back to the 2008 levels so we know that consumers are getting in trouble with borrowing. It’s happening all over again. People are feeling comfortable and are borrowing more than they can handle but the party never last forever. Thanks for dropping by.