Monday, November 14, 2022
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WifeFI Standing Activated ⚡

Good morning!

So right here’s one thing fascinating – I haven’t made any actual cash for the previous 6 months! And even wilder – I haven’t even observed it a lot these days??! It’s the primary time since I began working that I don’t have a “wage”, thereby formally getting into me into the standing of WifeFI:

“Financially Impartial, enabled by my spouse who nonetheless works 😂”

I do make some cash consulting every month, in addition to some further change typing away my ideas right here (and that’s actually all it’s lately, because it seems once you nix most of your advertisements you don’t receives a commission! lol), however by and enormous my revenue is inconsequential in comparison with my spouse’s which is at the moment paying all of the payments proper now.

It’s an fascinating place to be. I’m not very motivated to chase cash for some purpose, however I’m additionally not glad simply laying round and doing nothing both… Therefore – why I’m again right here on the weblog! However much more surprisingly – I haven’t actually missed my paychecks because the Motley Idiot gave me the boot earlier this yr, which was no small quantity at $10,000+ mo.

How a man can go from obsessing over cash to not even noticing he hasn’t acquired paid shortly is past me…  Although to be trustworthy it truly makes me really feel kinda happy with myself! 🙂 It means I’m now not a slave to the inexperienced as I as soon as was, nor am I utilizing up the majority of my time chasing it on a regular basis. I’m rather more targeted on *life* now and simply “being”, and whereas I nonetheless have to concentrate to cash in fact, it’s now not the highest precedence it as soon as was.

I believe “peace” is the fitting phrase for it. Monetary peace.

And it was proper round the $400k mark once I first actually began noticing this… Sufficient to really feel safe and pay all of the payments, but in addition nonetheless in a position to have a little bit further for enjoyable and suppleness. With every extra $100k simply including to the muse and creating wealth much less and fewer essential over time. (Or I ought to say, not as “life altering” – I nonetheless very a lot LIKE having cash, lol, nevertheless it doesn’t drastically change my life anymore)

I also needs to be aware that this comes from an excellent privileged white dude who’s had fortune and luck on his aspect all the time 🙂 Certain I’ve labored my a$$ off through the years and happy with what I’ve constructed, however I’ve additionally had a leg up all through it and must hold reminding myself to understand all of it which I oftentimes fail at greater than I care to confess…

Nonetheless, I by no means noticed this stage coming!

It truly marks the sixth one since beginning the journey:

  • 1995-2008: I used to be a SINK (Single Earnings, No Children)
  • 2008 – 2010: We have been DINKs (Twin Earnings, No Children)
  • 2010 – 2013:  Then SINKs (Single Earnings, No Children)
  • 2013 – 2016: Then the hairiest – SIKs! (Single Earnings, Children)
  • 2016 – 2022: Then again to the nice life, DIKs (Double Earnings, Children)
  • 2022 – current: And now WIFEFI (Spouse Enabled Monetary Independence)

Such drastic phases through the years. With the perfect ones exterior of a $hit sandwich, haha… These center SIK years there have been fairly tough for some time!! When an ideal storm of occasions hit, and utterly sucked our financial savings from $94,000 all the way down to a paltry $3,000 in three quick years… It was fairly embarrassing as a cash blogger, however in fact we continued to share all of it within the title of transparency! 👊

Then the spouse jumped again into the workforce after a 5+ yr hiatus (she went again to high school to get her Masters and PhD) and we have been as soon as once more again to clean crusing… Which is simply one of many half dozen causes she continues to work: she needs to make use of all these hard-earned levels!, she genuinely enjoys what she does, the job is STABLE (a authorities one, which helps counter steadiness my very a lot non-solid one, haha…), after which in fact there’s the advantages like retirement funds and pensions (bear in mind these?) in addition to a unbelievable medical insurance plan.

So don’t suppose that is simply me profiting from her! Which I’m nonetheless a little bit, in fact – who doesn’t need a Sugar Mama?! – however in actuality it’s her not wanting to affix me at nighttime aspect but, in addition to reaping the rewards after years of hustling 😉

One more advantage of listening to all these things!! So someday you don’t must!

It’ll be fascinating to see what occurs from right here (do I am going again and get a “job” later after lacking cash??? Do I am going the other manner and lower *all the pieces* out to release much more time? Do I eternally stay Spouse-Fi’d?) however because it stands at this time, I’m at peace… One other new life expertise underneath the belt!

What monetary stage are you at the moment in? Are you content material with it?

Your fiscally attractive pal,

j. money signature

PS: Listed below are another (completely made up) monetary phases I’ve hit through the years as properly… Possibly you too? 😉

  • BOB — “Baller On a Finances!”
  • SEXPLOY — “Horny & Unemployed”
  • FIGMY$HIT— “Lastly Bought My $hit Collectively!”
  • MOHO — “Cash Hoarder”
  • HUN — “Hustler Unleashed”
  • ISNOB — “Indexer Snob”
  • PX3U — “Proud Penny Picker Higher”
  • FRUCLASSITY — “Frugal and Elegant”
  • FULLTRASH — “Full Timer Rocking a Facet Hustle”
  • FREEDLER — “Freedom Lover”
  • MILLIONAIRING — “Millionaire In Coaching”
  • DIVFROD — “Divorced From Debt!”
  • SFL — “Spreadsheets For Life”
  • CAFLOK— “Money Move King”
  • STARFROTBONWEH — “Began From The Backside Now We Right here”

drake - started from the bottom

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