I have now switched back to WordPress comments from LiveFyre (see Weekend Reading: Snow Storm Edition to learn more); unfortunately, some of the comments have been lost along the way. A nasty bug in LiveFyre prevented these comments from getting posted back, and I cannot seem to resync them. LiveFyre’s support has been great, and I have nothing against them, but some commentators were not able to get through and it’s important to me that everyone can get through.
I have tried to find all of the missing comments and I have posted them down below. It was very interesting to go back in time and revisit some of those earlier discussions. I am very sorry for losing your comments!
Spending money like crazy could get addictive, like a drug, especially if you suddenly get a lot of it!
I have never heard of this syndrome hmm! It sounds pretty scary though and a drastic case of lifestyle inflation.I know a few people who have done this, and are spending money like crazy.
I would love to win money like that!
Wow sad but true. To be honest I don’t think that could happen to me. I hjave worked so hard in my life and I am so focused on frugality and paying down debt I can’t see how I could turn into a total spender. I even have a plan for if I would suddenly make a lot of money: pay down CC debt, student loan and mortgage, buy an apartment for my family, invest the rest of the money 😀
@worksavelive Agreed, that’s the problem – They didn’t earn the money themselves and they don’t understand the value of that money.
Some contrarian moves for 2012 would be high beta investments that depend upon a growing economy. We wouldn’t need a strong economy to see these start to make moves, just a small change in direction and sentiment. it’s already happening so far for some of these investments.
-Financials (BAC up 44% so far this year!)
We will see how it develops
Invest In 2012
I’m still waiting for my buy signal for silver.
This definitely sounds like the right step for you – and the right time. I’m a software developer also although not working in mobile now (my Master’s project was in mobile though) and I can definitely understand where you’re coming from. I’m on the opposite end right now – I’m enjoying living in a semi-corporate life right now, although I left my last job for similar reasons as you (layoffs, unmotivated, projects dying off, etc.) Corporate life is definitely not for everyone.
Best of luck! It sounds like you have an exciting time ahead of you.
It’s a GREAT time to be a mobile developer. Heck knows, I spend my days writing about entrepreneurs and tech startups! All the best.
Congratulations on taking the plunge! I’m glad that you were able to do that, and that you have a great support system as well.
Congrats on the leap!
As someone that sounds a lot like your other scenario, it’s not that bad, but I’m bored and unchallenged at work. I’m not ready to take such a big leap because of my kids, but you on the other hand! I think your move makes perfect sense! Plus, like you say, you have skills already!
Good luck, and here is wishing you the very best! Perhaps if I”m lucky, in another 2 to 3 years I’ll be joining you! 🙂
Congrats on taking the leap! I am sure you will succeed!!! Good luck!!!
Thanks so much for sharing. I think it is wonderful that you made the l leap. I know it can be difficult with a job that is not supportive of your other interests and opportunities. It is an unfortunate position to be in. It is great that your career path is very amendable to freelancing. Plus, you have your other online endeavors. This actually sounds like a fabulous time in your life to be capitalizing on the opportunity. Cheers to you!
As we’ve discussed privately I love this decision for you Kevin. One thing I think is critical is that as long as you keep your particular skill set current (programming, analysis, design) you can always hop back into the full time waters again.
Awesome post Kevin. As you might know from our exchanges, I think you can do really well with this new direction. It’s a great time in life to be doing this, based on what you’ve said. Clearly, you’ve given this quite of bit of instrospective thought, and were ready to take the leap. It’s probably very normal to have fear, as we’re often afraid of the unknown Though, he unknown might be a better path! Here’s hoping for your sucess.
John at MarriedWithDebt
What a great post. Thanks for sharing. I am in a work environment where I have just about overstayed my welcome after 8 years. I am losing the fire I had when I was younger, and they deserve more. I am also very dissatisfied with my managers and their leadership styles. I will find a new path starting next year. I am about the same age as you (30). I think you will do fine because of your savings and the need to do fine.
Big steps! Best of luck to you, I know the “early thirty doldrums” all to well!
Simple Rich Living
Best of luck! I am getting there to where your were with your company…I like the full dental/medical benefits and there is good amount of security in the job, but I don’t like the job. I’ve been with my company for over ten years. I am edging to leave, I just need to figure out what to do next. A lot of thinking and figuring out to do…
Wow, big move! Congrats though, seems like you had your mind made up and you’ll be free of any regret assuming things work out!
Change is difficult! I faced changed moving across country for a new job, starting or expanding a business. It is scary, but exciting! I stress the positive because it is an opportunity to get closer to what you want. This is a great time to think about those things and execute your plan for achievement. Good luck in whatever you do.
Believe it or not, I believe that you will one day write this post and you gladly did. I think you are my motivation and definitely one day I will publish a similar post like what you did today : )
Keep us updated on your journey.
Hey Kevin, fear is motivating as long as it’s not paralysing. Keep working your plan and I know you’ll be successful. I’m glad to have even a small part, even if it was just a book review in motivating you.
Good luck, and know you are not alone!
My fiancee wrote a post about Valentine’s day a couple weeks ago. Your ideas are great! Unfortunately, she and I have to spend it apart. We celebrated a little early and exchanged presents. We’ll be skyping tomorrow night. Happy Valentine’s Day to everyone!
For years, I bring dinner in, we eat by candlelight and fire up the fireplace (weaather permitting). It becomes a quiet, romantic and private evening.
Nice round up. And thanks for posting.
Thanks so much for linking to my post Kevin! I hope you are having a fabulous weekend
Tie the Money Knot
Blogging can be a fun way to make extra money. You had better like it (I do), as it’s time intensive and certainly not passive income!
Nice post – I am currently trying to get into the blogging side of things and agree that it takes a LOT of time. Do you know of any success stories through vending machines?
Loving the variety of ideas. Teaching is something I would definitely consider once I’ve retired (in 28 years time!). The only income streams that I have at the moment are from dividends. I currently earn about £50 every 6 months. I realise that this is a surprisingly small amount considering that I have £3500 of shares. But I suppose it’s baby steps. I have to keep reminding myself that I’m still very young and I’ve got big plans for building my income streams.
I’ve generally always followed these steps. I’d hate to leave a job on a bad note however at the end of the day, it’s your decision to move on. Generally someone leaves their job for a good reason and as long as you’re certain you did good work and it can be validated then leaving your job shouldn’t cause too much anxiety. Always have a plan though, that’s for sure.
I’ve quit multiple times and always did a written resignation after a verbal to my boss. Not one did a counter offer though. It is very important to make sure that you make sure all work items are handled and handed off.
The biggest change for me is my investment income is becoming a larger percentage of my work income. This is a good thing but does increase taxes.
I am really liking the air, and Dropbox + CrashPlan is working out to be a really great combo for me. Thx for sharing!
yeah, even one of my own comments got lost!
I love my MBP- I don’t have an Air, it seems too light and I would be nervous with it. I like having a notebook handy for all my blog post ideas!
I would love to see a photo of the desktop you built. I love creativity and building your own sounds like a great idea. Especially if you happy with it.
Why a macbook but no iPhone?
@retirebyforty I agree with you! I am not a fan of the highly marketed product, myself. I’d rather have a computer anyday. Sorry!
Good advice. I am a strong believer that a lot of people need not work so much if only they could work more efficiently and effectively. I recently read a book about efficient working. One of the most useful tips in there was that you should work no more than 45 mins at any one time. This is because 45mins is your peak performance time. If you take a 10-15mins break then you can get started once again efficiently for another 45 mins and then take another break and so on and so forth.
I find it difficult to comment in lifevyre but that’s just me and my illiteracy with computers. 🙂
Thanks for including my post glad you liked reading about the plight of men 😉
Thanks for the mention Kevin! I love writing about passive income. I’m glad you enjoyed the post
Good article. A pension is something everyone should be thinking about from an early age. Even so I am hesitant about your conslusions. Check out a recent post on my blog (follow the link on my name) where I discuss renting versus buying. I really believe that it is unhealthy for people to view their home as an asset as I explain in much more detail in the article. Furthermore I am a little confused as to where people are supposed to live if they are renting their home out. I assume they have moved to a second smaller home, in which case they must have build up a substantial pot of savings to afford two homes, a much more sensible option than just viewing their own single home as an asset.
I feel very uncomfortable speaking in front of crowds, so I decided to sign up to speak at FINCON12. I figured I will at least know some of the people in the audience so it was a good starting point. Most of my decisions in life are followed by action because I refuse to look back and regret not doing anything at all…
If I’m uncomfortable, I generally try to find the source of the discomfort and fix that. I’m sure no one wants to be uncomfortable, but I really don’t want to be uncomfortable. One trick I’ve learned over the years to motivate me to stay close to my ideal weight is to allow myself to be uncomfortable. When I notice my clothes getting a little snug, I focus on changing my diet and increasing the intensity and frequency of my workouts. That way, my tight jeans won’t make me so miserable. I could buy knew clothes, but that’s too easy.
When feeling discomfort about a situation, I like to think about how great it would feel to have the discomfort removed! That is a good starting point for coming up with a plan, and then being motivated to take action on it.
In debt? Think about how great it would feel to be debt-free.
Need to lose 20 pounds? Think about how great it would be to drop the weight and remove the discomfort.
The list goes on and on….
The problem with a lot of people is they think they have to enjoy first, so should the world ends tomorrow or at 21 December 2012 (as some proclaim to be), at least they won’t regret by having “enjoyed” all these years in the world. The problem they don’t realise is what happen IF the world doesnt end tomorrow or if there will be 22 December 2012. That is our real headache. 🙂
These Three Jobs Are a Great Way for a Teen to Earn Money and Learn Something About Life at the Same Time
I worked as a waiter when I was a teen and I thought it was a great way to realize the value of money.
I had a job deliver the local paper in the afternoons after school when I was about 11. I did it for a few months, before my parents made me quit because it was—literally—akin to slave labour. It would sometimes take two, three or four hours after school to do it (with my parents helping me, because they couldn’t not) and for all that work, I maybe made three or four bucks. This was at a time when minimum wage was about $6.50/hour. At the time it was exciting to be earning my own money, but in hindsight I understand why my parents made me quit. I got my first real part-time job when I was in the ninth grade, so maybe I was around 14? I worked at a public library all through high school and for a year after, and it was fantastic. It definitely taught me the value of hard work, and at the same time, the hours were flexible and I was always finished by 7 p.m., so it was ideal for a high schooler. Basically all of my friends got jobs around this time, too, though most of them worked at local fast food/coffee places, because the “good” jobs (grocery stores and retail stores) tended to not hire anyone under 16. It was just normal. I think that idea of “protecting the children” and having teenagers “just focus on being a good student and enjoying childhood” is kind of an oddly American thing. I’m not really sure why. It’s just what I’ve noticed.
Ways to Invest Money
My first job was actually cutting grass (landscaper..lol) now a days it seems like kids just don’t do anything but play video games and text on phones. I know a lot of families that pay to get the lawn done when they have children. I never got the chance to do a paper route but to many people are fearful of something happening to the kids to let them do it now.
I am doing the cooking… Actually the baking. I think I am going to bake an apple pie for my wife. Maybe then she will give me a nice massage. 🙂
Sounds like the way to go. If I could just get rid of the kids now… 🙂
Internships are incredibly important! I graduated with a degree in business but had experience in engineering. It was nearly impossible to find a job, and when I did, it wasn’t in my field.
“The Art of Non-Conformity: Set Your Own Rules, Live the Life You Want, and Change the World”: A Book Review and Giveaway
Not only open to new ideas but just be open period. I used to do improv and we would always say yes and and never no but.
I hear about his books a lot; never read one just yet. I guess this might appeal to “non-conforming” people I suppose. I dunno, I have kids, a house, a swimming pool, a job. It’s not something I envision just jumping up and touring Europe one day if I get laid off. I suppose people with different circumstances have different levels of flexibility and levels of satisfaction with their current situation. I do like having multiple streams of income to blunt the blow, but I envision myself as a white collar employee for “the man” as far as the eye can see. I guess I make too much LOL (I don’t. But I don’t see myself supplanting that income online).
Looks like a cool book.
Thanks for passing along the knowlege – I liked your review
Thanks so much for mentioning my 2nd blogiversary!
Thanks for the link Kevin!
Thanks for the mention!
All About Individual Savings Accounts (ISAs)
I like savings accounts but I don’t like to put all my money in it just because it’s not up to par against inflation.
Family Money Values
Thanks for the great info. I’m considering using Discus but haven’t checked it out yet.
This was very helpful. Thanks for giving us bloggers insight into spam-world. It definitely isn’t fun. Great to have helpful ways to try and eliminate it.
GASP + BB = no automated spam, ever.
I totally know what you’re talking about Kevin! Lived throug most of these signs and it becomes PAINFUL in the end!
Glad I moved on to a new company, what a difference it makes…
@My Own Advisor
That’s what I ended up doing in November last year, just found a new gig and ended all the agony of going to work as it became painful in the end. Don’t hesitate to look, you never know when you’ll find the right one!
Great list! I felt many of these at my old job, which is why I left. The biggest one for me was the dread I felt before going to work every day. Not a good feeling. 🙂
These are good signs that you are in a job that won’t be long-term for you. Now, sometimes it’s OK to be in that situation for the short-term, based on life circumstances. But long-term, no way. I think deep down we all know whether or not we are truly valued and have a possibility to thrive with an employer.
I suffered #4 and #5 for some time until just recently when the org. finally made a senior level position for which I competed and won the job. Luckily I learn a lot doing my job – analyzing government business areas and programs so at least I was intellectually motivated during the 3 yr wait.
@SPBrunner I with you on that one. I layer like crazy when I’m back in my hometown, Seattle. Thankfully, I live in San Diego. I couldn’t bear temps in the negatives. Gross. I hear under-armor is a pretty great brand as well. Good luck with tackling the slopes, InvestItWisely!
Thanks for the link! A good cross section of blogs you have represented here.
I was out running errands this afternoon and my feet and hands were freezing! Granted, it’s only zero C here on the West Coast, but colder than it’s been in ages!
Thirty below is pretty harsh! I wouldn’t enjoy that at all.
Have fun on the slopes! Skiing is something that I have never tried. Cheers, and thanks for the link!
Is Debt Management For You?
I recommend ALWAYS having an emergency fund before any type of debt management. You could always do it simultaneously — build your emergency fund and pay off your debt. Attack your debt–don’t just “manage” it! Good article.
Hey Corey, great to hear that you are so ambitious 🙂
I agree with Beating the Index- retirement is a term loosely used in this post. More like building passive (or little upkeep) income streams.
Do you think you’ll make that much money with blogging that you can invest in real estate? 🙂
retirement is a very misleading term used in this post. Yes, you can develop income streams that would require less work than a typical job but you will not be able to sit and do nothing. As long as you diversify your income streams you;ll be fine but beware of putting all your eggs in 1 basket!
wow.. “retiring” at the age of 27 seems to be the most ambitious project i’ve ever heard someone aiming.
But a goal is a goal. I hope for all the best 🙂
Book Review and Giveaway Part Three: Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School
Thanks for including my review Kevin 🙂 You did an awesome review!
My Own Advisor
Thanks for the mention Kevin. Stellar, comprehensive review for such an outstanding book.
thank you for a great review of the book. I want to get one too because I like to read financial books.
Sounds like you really like this book!!
John at MarriedWithDebt
Weird stuff. I’ve just installed Akismet and no problems so far. It’s already caught 30 spam msgs.
Guess I’ll see if it works. I monitor things pretty closely. Thanks for the heads u
Hi Kevin, I like your goals! I may glean your wake-up goal, as that would allow me to increase productivity. Sleep is oh so precious though 🙂 Anyway, I absolutely love your financial independence goal too. Awesome stuff!
Simple Rich Living
100 PUSH UPS!!! That is SUPER impressive!!! Good luck!
@prairieecothrif That’s exactly it, using credit when you don’t need it, and paying it off in full – you don’t pay any interest, you build good credit and you get airmiles – there is no downside.
@MyMoneyDesign It’s true, apathy can really hurt you – especially since, people who are reluctant to focus on their finances are generally the ones that most want to. Ignoring problems only makes them worse though. Thanks for the comment!
My Own Advisor
Always appreciate the mention Kevin, thanks again. I hope you had a great weekend!
Thanks for the mention Kevin, 😀
Impressive round-up. Thanks for posting my article about passive income with a system. It’s amazing how many different types of businesses can actually be developed into a passive income stream!
I don’t want people knowing my income. I want to be judged by my work ethic/character not by a dollar sign. I know people would look at you differently once they found out that you make more than them. It just isn’t good for camaraderie among coworkers.
Sure, I’d love to know what everyone else makes, but wouldn’t want everyone to know what I make LOL. I believe complete transparency would be a mess for employers. Performance and value is subjective. Everyone always thinks they’re better at what they do or more valuable than they actually are. This is a proven psychological trait through test scores, class scores and other basic experiments. Pay is best left to the free market and employers IMO.
Book Review and Giveaway Part Two: Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School
Simple Rich Living
Love to get the book and learn!!!
I’ve wanted to get this book for a while, but hadn’t found a place for it in my budget yet! This giveaway is a great opportunity, thanks!
Love your reviews. I have so many books already in hand that I am trying to get through that I am holding off on new ones for now – but this is definitely on my list.
One of the best ways is probably to have a change in lifestyle as it can alter their spending ways. When an individual is also financially disciplined, it can change their monetary status for the better. There are some people though who need help from financial and legal advisers especially if they can’t help themselves. If there’s a will, there’s a way to avoid bankruptcy.
My Own Advisor
Thanks very much!!!
I will be making my donation to Compassion Canada this weekend.
Great stuff Kevin, and thanks for the sponsorship Mich at Beating The Index.
Keep up the great work, living and investing it wisely 😉
2011 turned out pretty well for me. I didn’t have specific goals for fitness so that was the first thing I let slide when I got busy. I’ve got my work cut out for me this year with a huge list of goals but I think I should be able to achieve a decent amount of them if I stay consistent. That’s a bummer your vaca policy is changing. I try to take as many vacations as I can but usually have a couple days for rollover. Best of luck with your upcoming move! -Sydney
My Own Advisor
Congrats on an outstanding year. Up 400%? Wow. 🙂
Where can I find gains in the markets like that. Are you a dividend-paying stock I can buy 🙂
Happy New Year and here’s to another successful year!
Making $30,000 from Blogging in 2012: Joining the $30k Challenge
My Own Advisor
Wow, amazing stuff Kevin. I’ll be cheering for you for sure!! Good luck and I look forward to reading about the great progress.
Good luck; keep us posted as you go!
Cool, I’m checking this out. Although I have very little hope of achieving that goal, I do qualify and think it might push me to do more than I otherwise might!
Good Luck. I don’t qualify because of my Alexa ranking. But, if I did I would have gone for it too0
My University Money
Good luck Kev. My goal for this year is to be in a position next year to seriously contemplate this goal.
cash flow mantra
Good luck with the challenge, fellow challenger.
Good luck! Let me know how I can help 🙂 I’m sure you’ll achieve this- I sense financial freedom comin’ ’round the corner! 🙂
Good luck to you Kevin! Can’t wait to hear what you have in store for us! 🙂
John at MarriedWithDebt
I, unfortunately, did not have these conversations – they would have been helpful. I think people need to be on the same page before they get married. We didn’t combine checking accounts for a few years after marriage, which was a big mistake.
Great list. I got married before I had that talk but so far so good. I am hoping it all gets even better in 2012.
Make Your Business More Energy Efficient
I would like to start a privately owned “Green” business that utilizes energy efficient appliances and solar panel energy.
Book Review and Giveaway Part One: Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School
Simple Rich Living
Really looking forward to read the book so hope I win!
Dannielle at Odd Cents
I’m hoping that I get lucky 🙂
Hope I get one of the copies, all the best, entered in a huge way
Nice review Kevin, count me in for the giveaway!
My Own Advisor
Thanks for the mention Kevin!
As you know, I loved Andrew’s book. I thought it was an outstanding read. What a great giveaway. One very lucky reader is going to be happy!
Will tweet and promote the giveaway.
Oh, BTW – check out my latest post. You’re in it 🙂
Merry Christmas and Happy Holidays!
I have a lot to learn from this book.
I loved this book! It is one of my top 5 personal finance books I’ve read so far.
Great review, kevin!
Marie at FMV
Nice review. I haven’t read this book yet.
You are so right; it really is a great time of year to be grateful. I’m glad you are taking some time off to enjoy the holiday season and reflecting on the things that matter the most. Cheers!
Thank you so much for mentioning my unrealistic goals post too!
Thanks for the mention and glad to hear you have to much to be thankful for. I do too! Thanks for the perspective.
Thanks for including me Kevin 🙂
I love your list of what you are grateful for. I agree, we are so lucky and yet we often take it for granted. I need to remind myself of this whenever I have a “bratty” moment and take what I have for granted.
Glad to hear your girlfriend is doing so well! Also glad to hear condo living is going great 🙂 So when’s the next ‘stage’? 😉
My Own Advisor
A great and LONG list of reasons to be thankful and celebrate the year that was.
Great stuff Kevin!
Thanks for the blog support in 2011 and I look forward to chatting more in 2012.
A very Merry Christmas and Happy Holidays! 🙂
How to get out of the rat race!
I like this post most! I also like the “Five Financial Conversation to Have Before You Get Married” post. Every couple should definitely have this talk. More giveaways are always fun. And I like self improvement articles too! Thanks!
Because I’m thinking about buying a house in the next couple of years, I like posts like http://www.investitwisely.com/dont-get-suckered-by…
Thankfully I did not accrue debt through college. Didn’t have much in savings, but was able to pay my way through with my moving company. I agree with all your tactics to conquer your student loans, but I would say that putting an emergency fund away should be most essential. Hopefully, that is in your budget! Merry Christmas!
My Own Advisor
Nice post Marissa!I think you’ve covered one of the biggest barriers to debt repayment: cut unnecessary expenses. The hard part of debt repayment, it takes long-term discipline. Humans are wired for short-term gratification.
I think many people, myself included, have too many “essentials” in their budgets. A cell phone isn’t really a necessity. Then again, I won’t be giving it up.
Good luck on your debt repayment plan. We’ve got one too, a big fat mortgage to kill over the next 12 years.
Great post! I too have been a lot more conscious about my spending. Budgeting really is key when you live on a fixed income (or actually no income!) and have tuition to save up for and books to save up for.
I’m super highly conscious of my spending habits now (except for this December when it kind of went out the window with xmas parties and xmas gifts to shop for)
Coupons are great. Freebies are better.
Tons of free products with no postage or signup.
See for yourself.
I dated for three and a half months before I was engaged. We didn’t ask most of these questions, but they all make sense.
Be careful not to scare her away thinking you are financially possessed. 🙂
My wife’s battery died a couple of weeks ago. I could tell that it was going and I kicked myself for not having replaced it in time for her to need a boost in a parking lot. But, the upside is that both of our cars now have newer batteries that should keep us set for a few years (I replaced mine last year).
Tao of Unfear
Thanks for the link to my guest post on Afford Anything. Appreciate it.
Super awesome post! Thanks for including us!
Thanks for hosting and the include.Interesting video clips 🙂
Editors Pick?!? Thanks so much! And, Thanks for hosting!
Thanks so much for hosting and including my article! How do you like this new livefyre thing?
Ashley at Money Talks
Thanks for hosting and including my article!!
Thanks for including my post on solar energy. Good viedeos!
Thanks for the mention Kevin!
Merry Christmas and Happy New Year! Any big plans for you other than time off? 🙂
My Own Advisor
Thanks for the mention Kevin! Hope you are enjoying your weekend.
Thanks for the mention Kevin!
I am not looking for financial independence. I am happy with my work and side hustles.
Looking for Help? the Yakezie Has a Great Team of Bloggers and Freelancers to Help You Out!
I’ve got to say, again, good work on that list. In 67 days as a Challenger I’ve learned a bunch about blogging – it was exponential compared to my pace of learning my first 2+ years. The list you helped compile will certainly be a go-to resource, and hopefully will bring other new bloggers outside of Yakezie either into the fold, or into business with those listed.
I look in only on a sporadic basis, so am not a good person to evaluate a favorite post, as well as being already in retirement, so many of the topics are not particularly applicable to me. But I enjoy reading about the trends and concerns of people at various ages and stages of financial security (or in many cases these days, insecurity!).
In the three years I’ve been blogging, the Yakeize is far and away the best thing I’ve ever seen. I have passed up a lot of opportunities in my life for fear of the unknown but I’m glad I didn’t pass up the Yakezie when I first heard about it!
If I’ve lost your comment, let me know, and again, sorry about that!