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[Music]
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tool welcome to the best interest
00:01:18
podcast hosted by Jesse Kramer where we
00:01:20
discuss today's best ideas in personal
00:01:22
finance and investing the best interest
00:01:25
is a personal podcast meant for
00:01:27
entertainment purposes only it should
00:01:29
not be Tak as Financial advice and is
00:01:31
not prescriptive of your financial
00:01:33
situation here's your host Jesse
00:01:37
Kramer hey guys welcome to episode 36 of
00:01:41
the best interest podcast my name is
00:01:44
Jesse Kramer and I'm very excited about
00:01:46
today's guest among other cool things
00:01:49
she retired at age 30 yes
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330 and now she's living such a cool
00:01:56
lifestyle and we will discuss that
00:01:58
lifestyle in the episode
00:02:00
but real quick before I introduce Our
00:02:02
Guest could you please pause the show
00:02:05
and then in your podcast app give a
00:02:07
rating and review to the best interest
00:02:09
podcast why because the best interest
00:02:12
it's a growing small business and I want
00:02:14
to keep making this content for people
00:02:16
just like you a rating and a review it
00:02:19
lets all those fancy algorithms know
00:02:21
that you care about this podcast and I
00:02:24
know I'm asking for your time I'm asking
00:02:27
for your effort and I know that you
00:02:28
don't owe me anything
00:02:30
so I really appreciate those of you who
00:02:32
decide to sacrifice that time and effort
00:02:34
to leave that rating and review thank
00:02:37
you guys so with that let's go meet our
00:02:46
[Music]
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guest Our Guest today is fired that is
00:02:54
financially independent and retired
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early she also happens to be the author
00:02:58
behind one of the most recognized
00:03:00
personal finance blogs out there it's
00:03:02
called a purple life she's joining us
00:03:05
today to share some thoughts and
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experiences from her journey to early
00:03:09
retirement especially now that she's
00:03:11
been actually retired for over a year
00:03:14
it's not often that someone can co-opt a
00:03:16
color into a singular name but she's
00:03:18
done so pretty successfully I'm
00:03:20
delighted to welcome purple of the
00:03:22
aforementioned a purple life blog onto
00:03:25
the podcast hey purple how are you doing
00:03:27
today I'm wonderful how are you
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doing great and and if you don't mind me
00:03:32
asking I know we talked about it briefly
00:03:34
beforehand but but where are you doing
00:03:36
today because I know as part of your
00:03:37
early retirement you've been doing some
00:03:39
traveling yes indeed I'm currently
00:03:41
coming at you live from the cat skills
00:03:43
in New York state excellent well we've
00:03:45
we've had a little trend of of New York
00:03:47
Staters recently uh tomorrow uh the FI
00:03:51
couple is their episode's coming out and
00:03:53
they're based in the capital region well
00:03:55
purple you know I love your backstory
00:03:58
and I love your block
00:04:00
and as a someone who's read your blog
00:04:02
and has also listened to you on other
00:04:04
podcasts I know that you've been asked
00:04:06
about your backstory before so so we
00:04:09
don't have to go into too much detail if
00:04:10
you feel like you're repeating yourself
00:04:12
but I would love to know and the
00:04:13
listeners would love to know bit about
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who you are and kind of what your money
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story
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is sure so I'm purple and I can't take
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credit of co-opting a color like you
00:04:25
said I took it from Pink
00:04:27
basically um great artist
00:04:30
uh and I've written on my blog for the
00:04:32
last almost seven years about my journey
00:04:35
to and now through financial
00:04:37
Independence and early retirement um
00:04:40
money story just for background I'm a
00:04:42
black woman who worked in marketing um
00:04:45
and I retired in October 2020 at the age
00:04:48
of 30 um MoneyWise the way I did that
00:04:52
was job hopping so I did that and
00:04:54
tripled my salary in 9 years and then I
00:04:57
used domestic geoarbitrage by moving
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from Manhattan to Seattle to decrease my
00:05:02
spending while increasing my standard of
00:05:05
living that was about
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it okay super easy I tell you what
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you've got the elevator pitch down pet
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right you covered all the bases in about
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75 seconds I've had some guests take it
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to three minutes others to five or seven
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and yes one guest great guest took it to
00:05:25
about 35 minutes I had to edit that one
00:05:27
down that's impressive that was a long
00:05:30
elevator trip we'll say and since are
00:05:33
are you said you're a pink
00:05:35
fan are you familiar of Pink's work with
00:05:38
uh City And
00:05:40
Color not actually so City and color is
00:05:43
a pseudonym for Dallas Green just so
00:05:46
it's it's his it's his uh it's just a
00:05:48
oneman band City in color but Dallas and
00:05:52
pink are musician friends and they've
00:05:54
done some Duets together and I think
00:05:56
they've released an album together
00:05:58
highly recommend it
00:06:00
right I'm writing it down um but
00:06:03
apologies to the listeners let's get
00:06:04
back this is important stuff don't
00:06:06
apologize I mean hey it is you know it's
00:06:09
good music listeners go check out cityan
00:06:11
color and his work with pink um but
00:06:14
let's get back to job hopping job
00:06:17
hopping so you tripled your salary via
00:06:19
job hopping what exactly does that look
00:06:22
like so as I mentioned I was in
00:06:25
marketing I started my career
00:06:26
specifically working in ad agencies
00:06:28
making 30 $5,000 in New York City um and
00:06:34
there is a lot of volatility in ad
00:06:36
agencies we are at the whim of our
00:06:38
clients their budgets the industry the
00:06:40
stock market basically everything so
00:06:43
it's very very common to get laid off of
00:06:45
no fault of your own sometimes not even
00:06:48
because your account goes away but a
00:06:50
bigger account in your agency that
00:06:51
you've never had any contact with and
00:06:54
then they're laying off a quarter of the
00:06:56
people in the entire company so um I
00:06:59
been laid off three or four times um so
00:07:02
obviously from that I would need to have
00:07:04
a job I've also been exper had
00:07:08
experience with some more toxic job
00:07:10
situations that I needed to leave for my
00:07:12
own
00:07:13
sanity and also at times I just got
00:07:16
bored and want to do something new so in
00:07:19
each of those instances it was time to
00:07:20
find another job and when I did that
00:07:23
luckily I'd listened to my mom and I had
00:07:26
a little bit saved even as I was making
00:07:29
35k in New York and barely making rent I
00:07:32
still saved a little bit as much as I
00:07:34
could so I had a little wiggle room when
00:07:37
I was looking for a new job so I didn't
00:07:39
have to take the first one that was
00:07:40
offered so I was very diligent with my
00:07:43
research and I looked and figured out
00:07:45
what the market rate was for the
00:07:46
position I was going for it was usually
00:07:48
promotion and if people told me that
00:07:50
they could not hit that and I knew it
00:07:52
was fair I said that's very kind of you
00:07:54
to tell me I'm no longer interested so
00:07:56
I'm going to part ways with you here
00:07:57
good luck so I made through doing that
00:08:00
having that Nest Egg little emergency
00:08:02
fund saved and being well very careful
00:08:05
with my research and careful with who I
00:08:07
continue the interview process with that
00:08:09
I always got a pretty sub substantial
00:08:12
raise at each of the jobs so I usually
00:08:14
hopped about $20,000 each job and I had
00:08:17
six of
00:08:18
them okay so right there emergency fund
00:08:22
provided you with time and
00:08:25
flexibility an amazing use for the
00:08:27
emergency fund and then in the
00:08:29
negotiations it sounds like you had a
00:08:31
very much a firm but fair stance about
00:08:34
knowing your own value to the company
00:08:36
and expecting them to meet you in the
00:08:38
Middle with a with a fair offer yeah for
00:08:41
those listeners who are maybe thinking
00:08:43
about transitioning jobs I mean were
00:08:45
those conversations uncomfortable or or
00:08:48
how did you approach looking at a hiring
00:08:50
manager someone who presumably you you
00:08:53
could think that you need them more than
00:08:56
they need you how do how do you look at
00:08:58
that person and say no I reject your
00:09:00
offer you need to offer me more well I
00:09:03
think it was partially knowing that
00:09:04
emergency fund was there if for some
00:09:06
reason they didn't take that well um and
00:09:09
also there are a million jobs in
00:09:11
marketing so I know that's not true in
00:09:13
every industry but seriously dime it
00:09:16
doesn't it's not hard to find so I
00:09:19
wasn't worried if I found one person
00:09:21
that doesn't want to pay me what I'm
00:09:22
worth because I also knew if I just took
00:09:25
that then they wouldn't give me raises
00:09:26
the only way to really make more money
00:09:28
in marketing sadly is to leave um yeah
00:09:33
it's kind of a ridiculous fact of the
00:09:35
industry so they knew the truth I knew
00:09:38
the truth and if they really didn't have
00:09:40
the budget they would usually tell me
00:09:41
and be very candid about it like they
00:09:43
wouldn't give me the budget or I told
00:09:45
them that was market rate or anything
00:09:46
like that like we had a little Rapport
00:09:49
um but yeah it was never awkward and I
00:09:53
felt fine about it it was also actually
00:09:55
before New York state passed a law that
00:09:58
you can't ask anyone their previous
00:10:00
salary so it was back in the day when
00:10:02
they're like What's your previous salary
00:10:04
and I literally never answered that
00:10:05
question I refused to answer the
00:10:07
question when it was still legal so that
00:10:09
helped as well that is that is good
00:10:11
advice I mean it sounds so it sounds
00:10:13
like knowledge of supply and demand
00:10:15
within your own industry within the the
00:10:17
hiring needs of your industry is very
00:10:19
important and uh and one thing I like
00:10:22
that you kind of pointed out there
00:10:23
purple that that I've learned sometimes
00:10:25
the hard way is that uh the hiring
00:10:28
manager the other side they are an
00:10:30
experienced professional and they can
00:10:33
handle you pushing back against them
00:10:35
it's not going to hurt their feelings
00:10:37
it's all professional they're just
00:10:38
looking for a good candidate and
00:10:41
especially if it's with a bigger
00:10:43
corporate company it might be different
00:10:45
if it's like a really small Mom and Pop
00:10:46
shop but the difference between a
00:10:49
$80,000 salary and $100,000 salary and
00:10:53
120,000 it's not that big of a
00:10:55
difference to them yep it's a big
00:10:58
difference to you and that's why you
00:10:59
should ask for it but to some hiring
00:11:01
manager it's not a big difference at all
00:11:04
they'll let you know if you exceeded
00:11:06
what they're allowed to hire you at but
00:11:08
until you get to that point they are
00:11:10
willing to pay you more than their
00:11:11
initial offer because they want to
00:11:13
secure good
00:11:15
talent completely true and that was
00:11:17
hammered home more because in most of my
00:11:19
jobs I was in charge of the finances so
00:11:21
I knew what we were billing clients I
00:11:23
knew that at some parts I was like 500
00:11:25
an hour and I was not making anywhere
00:11:27
near 500 hour like taking away you know
00:11:30
overhead and everything else that they
00:11:32
have to pay no right it's not a big
00:11:36
deal so that you said six jobs in
00:11:40
roughly eight or nine years it's you to
00:11:43
age 30 where you retired on on roughly
00:11:46
speaking
00:11:49
$500,000 how my my guess here and I I do
00:11:53
know a little bit behind the scenes is
00:11:54
that that wasn't 500 500,000 stuffed
00:11:57
under your mattress that there were some
00:11:59
sort of investing involved along the way
00:12:01
so could you walk us through maybe what
00:12:04
accounts you Ed along the way and and
00:12:06
what investment uh allocations you had
00:12:08
what your investing process was sure
00:12:11
happy to and a little more background my
00:12:15
original goal was to have $500,000 when
00:12:17
I retired however um I actually ended up
00:12:22
having more than that because of the
00:12:24
stock market and the index funds that I
00:12:26
am about to mention so and I ended up
00:12:29
retiring with $500,000 invested and in
00:12:33
addition
00:12:34
$40,000 in cash and I did that
00:12:37
specifically because I was pulling the
00:12:39
plug in the middle of a pandemic and
00:12:41
possible recession so I wanted to have
00:12:43
those two years that of two years of my
00:12:45
spending cash cushion that's usually how
00:12:47
long a uh recession lasts a market
00:12:51
recession rather so I wanted to have
00:12:53
that in my back pocket um and that's
00:12:55
what end up happening and yes you are
00:12:57
right all of that was was invested the
00:13:00
500 was in um Vanguard Total stock
00:13:03
market index fund btsa all of it I have
00:13:07
100% stock allocation I can talk about
00:13:09
why um that is basically half in tax
00:13:13
advantage accounts and half in taxable
00:13:15
accounts the tax advantage accounts
00:13:18
include my 401k from work which I rolled
00:13:20
into a Trad IRA and also a Roth IRA and
00:13:24
I think I covered everything okay so
00:13:27
Trad Ira traditional IRA Roth IRA
00:13:29
different different tax schemes there
00:13:32
but still you you can't access that
00:13:34
money until 59 and a half without some
00:13:37
sort of penalty which is why I can
00:13:40
access my Roth contributions at any
00:13:42
point but the rest you're right right
00:13:44
good point so the initial the initial
00:13:46
principle into your Roth you could pull
00:13:48
out but not the gains in your Roth and
00:13:51
then nothing nothing from the
00:13:52
traditional IRA correct but then the
00:13:55
other half of that 500k is in the
00:13:58
taxable br brokerage and so that's
00:13:59
something that you can access at any
00:14:01
time but but what penalty or or tax if
00:14:04
you will do you pay on that
00:14:07
none because I spend so little that I'm
00:14:11
beneath any tax bracket so very nice so
00:14:14
very nice that's actually that's a if if
00:14:16
you want to call it a loophole that's
00:14:18
something that I had a recent Twitter
00:14:19
the legal tax code correct correct it is
00:14:22
the legal tax code and just like uh the
00:14:25
Warren buffets and the Bill Gates of the
00:14:26
world no matter what you think about
00:14:27
them just like they how they pay a very
00:14:31
very very small amount of money on their
00:14:33
income and wealth uh just like Peter
00:14:36
teal we recently learned uh has
00:14:38
something like five billion dollars in
00:14:40
his Roth IRA taxfree because he was able
00:14:42
to buy PayPal at fractions of a penny
00:14:44
per
00:14:45
share it might feel weird but it's all
00:14:48
within the tax code and so if they can
00:14:50
do it then purple can do it and so can
00:14:52
you listeners the tax code is there for
00:14:54
you to either use your advantage or not
00:14:57
so let's let's walk walk through that
00:14:59
real quick purple so so how does that
00:15:01
work so is that does that mean that you
00:15:03
are under the
00:15:04
$112,000 uh um standard deduction or is
00:15:07
there some other part of the tax code
00:15:09
that's allowing you to pull that taxable
00:15:11
brokerage money out
00:15:13
taxfree so it's basically that most of
00:15:16
the well all of the money I would be
00:15:18
pulling out is either dividends or
00:15:20
capital gains and capital gains are
00:15:23
taxed confusingly different than actual
00:15:26
income and I believe for a single person
00:15:29
I can pull out like 40K or something
00:15:31
before I have to pay another dollar of
00:15:34
tax and just heads up in case I I'm
00:15:37
getting imaginary push back on the tax
00:15:40
thing these are all dollars I've already
00:15:41
paid taxes on that are on my taxable
00:15:44
account so I just don't want to be taxed
00:15:45
twice if I don't have to be um so yeah
00:15:49
so because of that it's not classified
00:15:51
as income specifically and that's how
00:15:53
I'm doing it right right and that's I I
00:15:56
had to learn this I think it was just
00:15:58
last week week that if your combined
00:16:01
income which could be like regular W2
00:16:04
income plus capital gains is less than
00:16:08
40K then up until you hit that 40K point
00:16:12
the capital gains aren't taxed so like
00:16:14
you know even if you took a side job
00:16:16
right now purple and that side job was
00:16:18
paying you 20K you could then pull out
00:16:21
an additional 20K of capital gains which
00:16:23
would bring you to that 40K threshold
00:16:25
you wouldn't pay any taxes on those
00:16:27
capital gains which is pretty nice for
00:16:30
someone uh who's planning a a fire
00:16:34
retirement especially something that
00:16:35
might be more of a lean fire and uh that
00:16:38
might be the perfect segue purple let's
00:16:40
talk about your fire lifestyle Different
00:16:43
Strokes for different folks some people
00:16:45
spend more some people spend less what
00:16:47
does a typical spending year or spending
00:16:49
month look like for you so when I was
00:16:52
living in Seattle we live downtown like
00:16:55
I could see the Space Needle from my
00:16:56
window All That Jazz um um I spent and
00:16:59
this is just for myself $118,000 on
00:17:03
average per year and I have all the
00:17:05
caveats already listed out this is only
00:17:08
possible because I have no house no car
00:17:10
no kids no
00:17:12
pets and I've been told I'm Frugal but I
00:17:14
don't really understand that because I
00:17:16
buy literally everything I want so I
00:17:18
don't really understand um yeah so
00:17:21
that's what I spent in Seattle for the
00:17:23
five or so years that we were there I
00:17:25
believe and then last year of course
00:17:27
with the pandemic
00:17:29
not going anywhere seeing anyone or
00:17:30
doing anything was quite cheap so I
00:17:33
think I spent like 15,000 or something
00:17:35
something ridiculously low um yeah but
00:17:38
my goal for retirement I actually I
00:17:40
included a buffer on top of my regular
00:17:43
Seattle spending 11% just for wiggle
00:17:46
room um so my goal in the first couple
00:17:48
of years is $20,000 a year however um my
00:17:53
actual calculations I use for my
00:17:55
retirement number have no spending
00:17:57
ceiling so I'm assuming not just that I
00:18:00
will increase my spending with inflation
00:18:02
but that I will increase it throughout
00:18:03
my life whether whether it's necessity
00:18:06
which probably will happen because I'll
00:18:08
be getting older I'll want more Comforts
00:18:10
I'll have higher medical bills Etc or if
00:18:12
I just want to if I change my mind about
00:18:14
buying a house or anything like that so
00:18:17
it's all about variable spending for me
00:18:21
excellent and so for the listeners who
00:18:24
might be questioning $15,000 or $188,000
00:18:27
a year in spending no house no car no
00:18:30
kids no pets goes a very long way into
00:18:34
into that that differential and spending
00:18:35
between what they might be spending or
00:18:38
what what you spend I know I can think
00:18:40
about my own budget and if I take away
00:18:41
house car and pets all which I have I
00:18:45
don't have any kids yet but that brings
00:18:47
me down significantly closer to 18,000
00:18:50
per year but just out of curiosity when
00:18:53
you look over say the personal finance
00:18:55
landscape maybe you read other blogs or
00:18:57
you just see in your own life what
00:18:58
people are spending money on do you find
00:19:01
that other people are spending money on
00:19:03
some significantly expensive items that
00:19:06
you tend to forego or do you really
00:19:08
attribute most of maybe the difference
00:19:10
between the average spender and you to
00:19:12
those four categories that that you
00:19:13
mentioned before just those four
00:19:16
categories because I don't think we've
00:19:18
even mentioned really yet but I'm a
00:19:20
nomad so we move every month so I would
00:19:23
say I probably buy travel related items
00:19:25
more than other people I eat out a whole
00:19:28
bunch um we visit every Brewery that we
00:19:31
can find um yeah I can't really think of
00:19:34
anything else I love international
00:19:36
travel however I travel hack it so I can
00:19:38
fly first class for cheap um nice but I
00:19:42
think it's really attributed to those
00:19:44
things besides that I buy anything I
00:19:47
want so The Nomad lifestyle is that all
00:19:50
like Airbnb kind of long-term rentals
00:19:52
yes indeed exactly that excellent and
00:19:56
then you just use the pronoun we in
00:19:58
there so just to be just to be
00:20:00
transparent does that mean are you
00:20:01
splitting some costs with with a partner
00:20:04
I am so I have a partner we um have
00:20:08
completely separate finances and part of
00:20:10
our calculations when we we have
00:20:12
separate fi goals we have separate money
00:20:15
um calculations we did was to make sure
00:20:17
that we could still maintain this
00:20:19
retirement um if or when we break up so
00:20:24
currently yes we do however um if we did
00:20:28
that we would just tweak our lifestyle a
00:20:30
little bit but still maintain our
00:20:32
standard of living and still be able to
00:20:34
do this right well very pragmatic I
00:20:36
think that's a very pragmatic approach I
00:20:38
certainly appreciate that I mean one
00:20:40
thing I I'd love to pick your brain on
00:20:42
now that you've been uh you've been fi
00:20:45
for is it coming up on 12 months when
00:20:48
exactly coming up on a year October 1
00:20:51
October 1 so cool well let's I'd love to
00:20:53
talk about the things that you've
00:20:55
learned in your in your first year what
00:20:58
whether it's money related or whether
00:21:00
it's more of just personality related or
00:21:02
you know the things that you didn't
00:21:03
realize about retirement or didn't
00:21:05
realize about yourself getting these 40
00:21:07
hours a week back i' I'd love to know
00:21:10
some of the biggest lessons you've
00:21:12
learned oh my you ask hard questions let
00:21:15
me think about
00:21:18
this so a couple of things I had goals
00:21:21
going into retirement um that I was
00:21:24
hoping to fulfill and a couple of them
00:21:27
were to explore things that I'm curious
00:21:30
about one was to be more present one was
00:21:33
to be more in nature um and post
00:21:37
pandemic it was to travel more so all of
00:21:41
those goals I did assess This I Believe
00:21:43
in a host a while ago but all of those
00:21:46
goals have blown my expectations out of
00:21:49
the water like I went to Monas school
00:21:52
but since then I went to a pretty
00:21:55
hardcore High School very competitive
00:21:58
college and then obviously my um my job
00:22:02
was quite Cutthroat so my curiosity was
00:22:06
kind of like slapped out of me um which
00:22:09
made me really sad I couldn't really
00:22:12
look past like what was the next thing I
00:22:13
had to do what's the next thing I got a
00:22:15
next deadline next client meeting to
00:22:18
even wonder about what birds I'm hearing
00:22:21
outside the window we were talking about
00:22:22
birds before the show started but I used
00:22:25
to literally be so mad if I was awakened
00:22:27
by chirping because I have a few hours
00:22:29
to get to sleep before work or something
00:22:31
and now I wake up I'm like oh is that a
00:22:33
Carolina Ren what are you doing here
00:22:35
it's a little too far north for you and
00:22:37
my partner is like what is wrong with
00:22:39
you but in a good way and for one time I
00:22:42
got up to get a drink of water at like
00:22:44
400 a. or something and I came back and
00:22:46
I set the water down and I grabbed my
00:22:48
phone and I left and he was like what
00:22:49
are you doing and I was like I just
00:22:51
heard a bird call I don't recognize I'm
00:22:53
going to go investigate that he's like
00:22:54
it's 400 a.m. what's wrong with you I'm
00:22:56
like I'm excited so before that's not
00:22:59
anything I would care about or think to
00:23:01
do but I'm so more curious about the
00:23:04
world I've been learning all types of
00:23:06
birds I've been learning about all types
00:23:09
of animals that we see in our travels
00:23:12
different plants um I've been reading or
00:23:15
attempting to read I'm a little behind
00:23:16
but I think I'll still make it one
00:23:18
non-fiction book A Week um so I'm going
00:23:21
for 52 and 52 and they've been about all
00:23:24
these subjects so I'm learning more than
00:23:26
ever reading more than ever um the other
00:23:30
goal was being present which I've been
00:23:32
so much better at because uh mental work
00:23:36
guys it's it's I can't do it basically I
00:23:39
was always thinking about the client's
00:23:40
next issue or email or what might be
00:23:43
happening even when I was on a beach in
00:23:45
Vietnam thousands of miles away it was
00:23:48
vacation it was not my problem but I
00:23:50
could not stop I couldn't stop on
00:23:52
weekends I couldn't stop on evenings so
00:23:54
maybe that's a personal failing but no
00:23:56
matter what I tried meditation exercise
00:23:59
like I did went down all the suggestions
00:24:01
I couldn't do it I couldn't maintain a
00:24:03
healthy balance um it's also possible
00:24:05
that a marketing career just doesn't
00:24:07
really lend itself to that because it is
00:24:09
247 the client service aspect anyway so
00:24:13
when I retired I intentionally put my
00:24:16
phone on do not disturb basically all
00:24:18
the time I found a little uh setting
00:24:21
where I can have texts from my mom and
00:24:24
partner come through and that is it so
00:24:26
people are like you never texted me back
00:24:28
it's been a week I'm like I I'm getting
00:24:30
to you now aren't I like what's the
00:24:31
problem I was out there with birds or I
00:24:34
was out there exploring a new Brewery or
00:24:36
walking across town I don't have time
00:24:38
for your pings anyway they forgive me
00:24:41
but the point is I am so much more
00:24:43
present when I actually go to these
00:24:45
breweries with a friend I am there I'm
00:24:47
listening I'm not actually in my head
00:24:49
thinking of the next thing so that's
00:24:52
great and I think I also mentioned one
00:24:54
with nature obviously that's happening
00:24:56
for the reasons I mentioned
00:24:58
and the travel aspect fingers crossed it
00:25:00
will
00:25:02
come but right now we're doing more of a
00:25:04
slow obviously us only approach gotcha
00:25:08
so you're looking to get out into the
00:25:09
world explore new corners of the world
00:25:11
yeah yeah I had about six months of
00:25:13
international travel booked starting um
00:25:16
when I retired that obviously I had to
00:25:18
cancel so that's kind of
00:25:20
heartbreaking is is is part of the
00:25:23
travel plan intrinsically tied into fire
00:25:27
is in in some sort of
00:25:30
geoarbitrage no um it's just something
00:25:32
we're trying out um and we completely
00:25:34
acknowledge that I actually thought I
00:25:37
would be like okay I'm done after a year
00:25:39
but I'm finding that I am loving it way
00:25:42
more than I expected but it's also
00:25:44
possible that one of us will be like
00:25:46
okay I'm ready to settle down in a year
00:25:48
or three five 10 um so yeah it's not an
00:25:51
intrinsic part of the plan it's just
00:25:53
something we wanted to do and I actually
00:25:55
expected it to be way more expensive
00:25:57
than it is is I'm actually coming under
00:25:59
budget right now without trying so we'll
00:26:01
see what happens with that that is
00:26:04
awesome now I really loved you know
00:26:07
exploring what's Curious and kind of uh
00:26:11
maybe this is me putting words in your
00:26:12
mouth but almost going back to that that
00:26:14
childlike curiosity you mentioned monor
00:26:17
school and just as a personal anecdote
00:26:20
whenever I go home to my parents house
00:26:23
they live way out in the country they
00:26:25
have 20 acres it's mostly Woods
00:26:28
most trips something will will trip this
00:26:31
little nostalgic thought in my head of
00:26:33
something I did as a kid of some thought
00:26:36
process I had as a kid and I'll realize
00:26:39
man I haven't had a thought like that in
00:26:41
a while like there there's some way of
00:26:44
thinking that I had as a child that like
00:26:46
you said between maybe high school and
00:26:49
then barely competitive college and now
00:26:51
six years as an engineer I I don't think
00:26:54
that way anymore and I do miss it I miss
00:26:56
it get back there maybe you could find
00:26:58
the balance I have know hopefully sooner
00:27:01
than later hopefully sooner than later
00:27:03
just out of curiosity purple uh top top
00:27:05
book recommendations any any particular
00:27:07
books in the last year really stick out
00:27:09
out of the ones you've read so I'm not
00:27:11
sure I can give this recommendation yet
00:27:13
because I have like two chapters left
00:27:14
but I am loving psychology of money by
00:27:17
Morgan housel loving that book um it had
00:27:21
some analogies like obviously I read a
00:27:23
lot of Finance books I feel like I've
00:27:25
read them all even though I'm sure
00:27:26
that's not true but this one was the
00:27:28
first one
00:27:29
in maybe since I started my f Journey
00:27:32
that I was like this is new this is a
00:27:35
different way of thinking about money
00:27:37
that I've never heard of before so that
00:27:39
was that is Sensational so far highly
00:27:42
recommend um another one would be
00:27:44
laziness does not exist by Devin Price
00:27:48
that was fantastic um the title
00:27:50
basically says it all I say on my blog
00:27:52
that I'm a huge proponent of laziness
00:27:55
because of our productivity ridiculous
00:27:57
ousness culture and I think it's harmful
00:28:01
in its own way so this book goes into
00:28:04
the history of laziness like how it came
00:28:06
about as a value system that you value
00:28:08
yourself based on your output to society
00:28:10
and like all this stuff and it's kind of
00:28:11
messed up kind of dark um in the history
00:28:14
portion of that but that just lends
00:28:16
weight to how ridiculous this idea is
00:28:18
and it's kind of made to control people
00:28:21
so you know not great and then it also
00:28:24
goes into it's awesome that you have
00:28:26
Passions you do all this but it's okay
00:28:28
to rest like these are the signs your
00:28:30
body needs to rest burnout is real it
00:28:33
doesn't just happen to other people like
00:28:34
it can lead serious health issues all
00:28:36
this stuff so basically everyone needs
00:28:38
to take a nap and I love naps and that's
00:28:40
that yeah well thank you for that
00:28:42
recommendation here here on naps I'm
00:28:45
gonna go look that book up see if I can
00:28:46
get a used
00:28:47
copy my library at least wonderful do
00:28:51
you uh do you get most of your books
00:28:53
from the library or from some sort I do
00:28:55
excellent I was recently recommending um
00:28:58
I think it's called Libby Libby app yes
00:29:00
love Libby I haven't used it yet but
00:29:03
maybe I'll give it a try on laziness
00:29:05
does not exist um I get most of my books
00:29:08
from a store called Better World Books
00:29:13
and they um their their their business
00:29:16
model is used books mostly used books
00:29:18
fairly cheap three to $7 per book
00:29:22
delivered for free so love it right I
00:29:25
can get five books for 25 bucks
00:29:27
delivered to my house uh I get to keep
00:29:29
the hard copy which I like being able to
00:29:31
take notes and such but uh I'll give
00:29:33
Libby a try laziness does not exist and
00:29:37
yeah uh purple I feel that with with the
00:29:40
best interest whether it's the blog or
00:29:41
the podcast where there are times when I
00:29:44
feel mostly uh in internally generated
00:29:49
pressure to
00:29:51
produce whether it's you know I got I
00:29:53
know I got to edit a podcast or I know I
00:29:55
got to write that article I'm trying to
00:29:56
write an article every week and more
00:29:58
recently I've been reminding myself that
00:30:00
you know what uh I'm kind of only
00:30:03
answering to myself here and uh if I'm
00:30:06
working so hard on it that I no longer
00:30:09
enjoy it kind of defeats the whole
00:30:10
purpose you solved it you can write the
00:30:13
book
00:30:14
now maybe I'll start with a blog post on
00:30:16
that um well let's uh in the last year
00:30:21
just just to touch on this point one
00:30:22
more time uh know learned about the very
00:30:26
cool things that you've been doing with
00:30:28
your time and how much you've enjoyed
00:30:29
them and they've exceeded your
00:30:31
expectations from a budgetary point of
00:30:33
view is there anything that has
00:30:36
surprised you or is there anything that
00:30:38
you you miss or anything that you've had
00:30:40
to cut or anything that you've added in
00:30:42
that that you weren't expecting
00:30:44
to um so when I started analyzing my
00:30:48
budget when I actually figured out what
00:30:50
I was spending which I didn't know
00:30:52
before I started my f Journey um I
00:30:55
decided to try cutting things out with
00:30:58
the knowledge that if I did miss them I
00:31:00
would put them back in like I don't
00:31:01
think that's personally a sustainable
00:31:03
model to take anything out that brings
00:31:06
you Joy so I refused to do that
00:31:08
personally um so I tried like decreasing
00:31:12
restaurants and having more parties at
00:31:13
my house and I found that I really much
00:31:16
more loved the parties at my house um so
00:31:19
I had more of those but I still went out
00:31:21
to restaurants and I found that um the
00:31:24
like I went into a weird Sid spiral in
00:31:27
New York for a hot second when I was
00:31:29
like unhappy and I didn't know what to
00:31:31
do and everyone at work was like oh well
00:31:34
you need to buy these expensive heels
00:31:36
and this purse and I was like what I've
00:31:37
never expressed that I like those things
00:31:39
I like this will make you feel better I
00:31:40
was like okay I guess I'll try it so I
00:31:42
tried it and I was like this is garbage
00:31:44
so I cut that out and never looked back
00:31:48
um I and the only thing I've added that
00:31:50
I didn't expect well I shouldn't say
00:31:53
didn't expect because I it's been on my
00:31:55
to-do list for like four years I just
00:31:57
got a password manager that I pay
00:32:00
for nice so on your computer too many
00:32:04
passwords too much not even that that my
00:32:07
human brain can't remember secure enough
00:32:10
passwords right um and obviously I
00:32:13
should protect my stuff which I knew and
00:32:16
I was like I'll get to that later and
00:32:18
then I felt so embarrassed because it
00:32:20
was the easiest thing to sign up for and
00:32:22
it's super cheap so
00:32:24
whoops another good recommendation might
00:32:27
take you up on we uh yeah I've got a lot
00:32:30
of passwords we recently had to redo
00:32:31
some passwords at work and the uh the
00:32:35
rules the standards for the passwords
00:32:37
are unbelievably complex yep uh
00:32:41
uppercase and lowercase numbers and
00:32:43
symbols you have to have at least two of
00:32:45
each of those yep uh you can't have two
00:32:48
you can't have more than two in a row of
00:32:51
the same type and you also can't have
00:32:53
dictionary words in there so you know
00:32:56
the word cat all lowercase if that was
00:32:59
part of my password not allowed because
00:33:01
that's three lower case three lowercase
00:33:03
letters in a row so I don't know how uh
00:33:06
human beings of Flesh and Blood are
00:33:08
supposed to remember these passwords
00:33:09
that are filled with asterisks and
00:33:12
random you can you can SpongeBob your
00:33:14
password though do every other uppercase
00:33:16
lowercase okay okay that's sound secure
00:33:20
yeah so I'm literally not a shi for this
00:33:23
company but I password does have
00:33:25
business accounts I'm just saying
00:33:27
wait I'm sorry say that one more time
00:33:30
one password is the password I use the
00:33:33
number one password one password one
00:33:37
password and we'll tell them that purple
00:33:39
sent
00:33:40
us they don't know me I gonna say we
00:33:43
will get zero dollars off but hey
00:33:45
they'll appreciate they're like
00:33:47
who I'll tag you on Twitter and then
00:33:50
they're they're social media person will
00:33:52
say who you'll get the internet points
00:33:55
well last question and and it might a
00:33:58
sure it's a question that you have a
00:33:59
good answer for if we were to have say a
00:34:03
a bad Market a crash an 0708 style
00:34:08
multi-year down 40% environment how does
00:34:12
that affect your portfolio your plans
00:34:15
would you make any adjustments in short
00:34:17
term or would you would you stay the
00:34:19
course in in everything that you're
00:34:21
currently doing so here's the wild thing
00:34:24
I mentioned that I retired with like
00:34:26
five 40 uh last I checked which I think
00:34:29
was on Friday I have 7:30 right now so
00:34:33
the market would have to drop what is
00:34:35
that 26% just to get me back to where I
00:34:38
was and thought I would be right now so
00:34:41
that's cool but if it continue to drop
00:34:43
the whole 40 yes of course I would make
00:34:46
adjustments um the main thing I think is
00:34:49
that I would just pick more lower cost
00:34:51
of living places to live intentionally
00:34:53
instead of accidentally which is what
00:34:55
we're doing right now like we didn't
00:34:57
have anywhere we needed to be for the
00:34:59
month of August so I literally went to
00:35:01
airbnb.com and I typed in northeastern
00:35:04
USA and that's how we found this place
00:35:06
in the cat skills it's $1,200 a month
00:35:08
it's gorgeous it's downtown it's
00:35:10
walkable to everything I have never been
00:35:12
to the cat skills before I love it and
00:35:14
we're talking about coming back next
00:35:15
year so I would intentionally pick
00:35:18
places like that um and if hopefully
00:35:21
this is a pandemic free hypothesis I
00:35:24
would also Go Global that's something
00:35:26
obviously we're Miss doing Mexico is
00:35:28
right there lower cost of living
00:35:31
wonderful standard of living I've been
00:35:34
dreaming and looking at places in Merida
00:35:36
which have pools and all this other
00:35:38
stuff for the 1,200 we're paying here so
00:35:42
I would probably pick more international
00:35:44
travel and lower cost places in the US
00:35:47
but that's about it like my main I think
00:35:50
it's 50 or 60% of my budget is housing
00:35:53
so i' tweak that and then just live my
00:35:55
life yeah excellent I mean that is
00:35:59
that's the same advice that most
00:36:01
financial planners would give to a
00:36:03
retiree of traditional age if the market
00:36:06
goes down if you're concerned about the
00:36:08
longevity of your portfolio the easiest
00:36:11
dial to turn is your spending in the
00:36:14
short term so so maybe you know if
00:36:17
you're a normal say a normal age retiree
00:36:20
maybe you postpone that $10,000 uh Euro
00:36:23
trip postpone withdrawing that money
00:36:25
from your accounts until the market has
00:36:27
recovered that way you're not having to
00:36:30
uh withdraw extra shares in order to
00:36:34
fund your lifestyle simple simple
00:36:37
arithmetic at this point we could
00:36:39
probably go into the rapid fire
00:36:41
questions sure unless there's anything
00:36:44
anything on your mind that uh that you
00:36:46
did want to go back or or talk about
00:36:49
anything like that like I had something
00:36:51
with the oh taxes I had one
00:36:55
recommendation since we're just given
00:36:56
out recommendations I mess with the
00:36:59
calculator at turbotax. Inu it.com they
00:37:02
have a tax tool that's really easy to
00:37:04
use um so I would recommend that if you
00:37:08
guys are confused as I am and was and
00:37:11
usually still am about how capital gains
00:37:13
are taxed differently and how that is
00:37:15
affected if you do have income coming in
00:37:17
an addition and dividends and qualified
00:37:19
dividends and all that hot stuff um they
00:37:22
have really easy to use thing so you can
00:37:23
figure it out gotcha so do you use that
00:37:25
tool is it is it specific to that
00:37:28
scenario you just laid out of the
00:37:30
dividends and cap gains or is it more
00:37:32
holistic and you kind of use it for your
00:37:33
entire retirement it's completely
00:37:35
holistic I use it um just to estimate
00:37:40
things I actually don't use Turbo Tax
00:37:42
for my actual taxes because I think
00:37:44
they're kind of scam artists but um I
00:37:47
use tax act just because when I use
00:37:49
Turbo Tax previously I'd get through the
00:37:51
whole thing they'd tell me it was free
00:37:53
and then they're like JK it's $50 and I
00:37:54
was like that is a scamster um so yeah
00:37:57
Tax Act is where I'm at currently
00:37:59
actually I take that back I started
00:38:01
using um Credit Karma came out with a
00:38:04
Tax Solution um but then I think they
00:38:06
were bought by tax act so it's very
00:38:08
confusing but I'm currently with Credit
00:38:10
Karma and just use the turbox tool to
00:38:13
estimate my stuff gotcha yeah and I can
00:38:15
second I've never used Turbo Tax but I
00:38:18
have close friends and and my partner
00:38:21
she's used Turbo Tax and same exact
00:38:23
scenario like you get 98% of the way
00:38:26
through you've just spent an hour
00:38:28
filling in all your information and
00:38:30
everything has said free free free free
00:38:32
free and then some point in the end they
00:38:34
say oh we just ran this calculation and
00:38:36
you don't actually qualify for the free
00:38:38
portion here's your bill seems illegal
00:38:41
but okay does sure does and and you know
00:38:45
turbotech they are um you they've got so
00:38:47
much brand recognition right and they
00:38:49
must get so many people must fall for
00:38:52
that trap uh I agree it'd be nice if
00:38:55
there was a uh uh watch Watchman out
00:38:58
there to uh help us with that one one
00:39:00
day maybe anyway yeah what are you doing
00:39:03
in your retirement purple you want to go
00:39:05
Hound uh I have too many naps to take
00:39:07
I'm sorry I'm busy with my birds so the
00:39:12
first of the famous rapid fire questions
00:39:15
what was the last material object or
00:39:17
personal luxury that you spent $100 or
00:39:21
more
00:39:22
on has to be an object h or it could be
00:39:27
anything anything nice a personal luxury
00:39:29
okay then it's always just
00:39:31
travel easy peasy usually the taxes on
00:39:34
an international first class flight that
00:39:37
uh originally cost $20,000 and I spent
00:39:40
200 in taxes on wow wow so how how does
00:39:44
that happen from 20 from 20,000 to only
00:39:47
taxes well I use um airline miles for
00:39:50
the actual cost of the flight and then
00:39:52
they do have just I think it's like
00:39:54
airport I don't even know what it's
00:39:56
called parking taxes or something or
00:39:59
local government tax or something like
00:40:00
that so there's usually some type of
00:40:02
taxes I have to pay on top of the actual
00:40:04
cost um but yeah it's way cheaper
00:40:07
obviously and I'm not spending my entire
00:40:09
annual budget on one flight so a
00:40:12
curiosity are those miles that you had
00:40:14
built up from when you were
00:40:16
working they are currently because like
00:40:19
I mentioned we had to cancel all of our
00:40:21
travel so I now have a giant nest egg
00:40:24
that I need to use because lines are
00:40:27
jacking up the needed miles to go places
00:40:30
I understand they're in distress I get
00:40:32
it um but it's kind of a race to get rid
00:40:34
of them however my mom has been retired
00:40:37
for almost six years she retired at to
00:40:40
55 and she's had no problem continuing
00:40:43
to rack up miles in retirement so I'm G
00:40:46
to ask her what's up with that after we
00:40:48
finish getting rid of mine nice I I see
00:40:52
I see um the next question what's one
00:40:56
good habit you're trying to form or a
00:40:59
bad habit that you're trying to
00:41:01
break so it's related to being present
00:41:04
and I mentioned the Do Not Disturb thing
00:41:07
but the other specific that I went into
00:41:10
retirement wanting to do was to
00:41:11
seriously cut down my time on social
00:41:13
media because it's a wonderful tool it's
00:41:17
how I met all of my finance friends who
00:41:19
are now my real life friends absolutely
00:41:21
wonderful it's where I get a lot of my
00:41:23
recommendations in life um but it's a
00:41:26
suck for sure um and I'd you know look
00:41:28
up from scrolling and be like how did an
00:41:30
hour pass so I put some rules in place
00:41:34
for myself and basically I don't scroll
00:41:36
anymore um I intentionally like maybe
00:41:41
once a day maybe twice a day take my
00:41:44
phone off do not disturb and then my
00:41:46
notifications from social media pop up I
00:41:48
can go to the notifications and respond
00:41:50
to them but I don't just go mindlessly
00:41:53
through any of the apps and that has
00:41:55
saved me in immense amount of time also
00:41:58
stress because in 2020 Doom scrolling
00:42:01
was like an entire activity so now I
00:42:05
figure out you know what's really
00:42:07
important and I get that news but I
00:42:09
don't need to know every horrible thing
00:42:10
that's ever happened to anyone ever in
00:42:12
life so that's just stress and something
00:42:15
I can't
00:42:17
control well I do try to remind myself
00:42:20
that with 99% of social media maybe more
00:42:24
you are the product meaning me you and
00:42:27
the listeners we are the product and uh
00:42:30
yeah I think it's an excellent practice
00:42:31
to try to uh make yourself as small of a
00:42:34
product as you can because you're you're
00:42:37
selling yourself oftentimes without your
00:42:39
knowledge and uh I don't think that's
00:42:41
good for your long-term whether it want
00:42:44
to be mental health or just time like
00:42:46
you said it's a Time
00:42:49
suck uh next question purple what's your
00:42:52
favorite Financial tool or app or
00:42:54
service that you use and and why do you
00:42:56
like it well we already talked about my
00:42:59
latest Obsession which is the password
00:43:01
manager did one password um if I have to
00:43:05
come up with another one um it's
00:43:08
probably wab you need a budget I've been
00:43:10
using it for about six years and
00:43:13
technically anyone could make it as a
00:43:16
spreadsheet like it started as a
00:43:18
spreadsheet before it was an app um
00:43:20
however I just love them so much and I
00:43:23
basically like shut up and take my money
00:43:25
they have so many great free tools for
00:43:27
everyone to help them with budgeting to
00:43:28
help them reframe how they think of
00:43:30
budgeting um because I previously had
00:43:33
used mint.com and basically if I went
00:43:36
over a dollar it would go bright red and
00:43:38
it would be like you went over and I was
00:43:40
like great then forget it I'm just going
00:43:41
to spend all the money because it's over
00:43:44
instead weab is like so you went $1 over
00:43:46
do you want to take that from like your
00:43:48
hair fund because you're not dying your
00:43:49
hair purple this month and I'm like sure
00:43:51
great and they're like great you did a
00:43:52
great job I'm like Yay it's there's no
00:43:55
such thing as is budget failure so
00:43:58
they're wonderful and actually now
00:44:00
they're better than a spreadsheet in
00:44:02
that they have linked accounts if you
00:44:04
want so they'll just import everything
00:44:06
from your accounts so you don't have to
00:44:08
write it in yourself um but yeah I'm a
00:44:10
wev fan I'm getting all my friends on it
00:44:14
excellent I too use weab despite the
00:44:17
fact that this podcast is sponsored by
00:44:19
personal Capital reason reason being
00:44:22
reason being weab I'm not big enough for
00:44:25
weab to sponsor me yet and uh having
00:44:27
used personal capital I think it's a
00:44:29
good tool and I think it can do a lot of
00:44:31
good for right it can do a lot of good
00:44:33
for plenty of people but if I had one
00:44:36
budgeting tracking net worth tool to use
00:44:39
it would be weab and I've been a proud
00:44:41
wab user as it was intended for uh three
00:44:46
years now and or maybe even no yeah
00:44:49
three years and before that probably for
00:44:52
three or four years as it was not
00:44:53
intended meaning I was that means I was
00:44:56
not following the the wiep prime
00:44:58
directives and I would I would cheat and
00:45:01
I I would I would track like you know
00:45:03
90% of my expenditures I'd be like I
00:45:06
think I'm okay on the rest or you know
00:45:08
I'd I'd spend I know was bad I'd spend
00:45:10
you know 200 bucks on new hiking boots
00:45:13
that were not in my budget and I just be
00:45:15
like well I just I just won't budget
00:45:17
those I I won't track those about away
00:45:20
around the system it was pretty bad yeah
00:45:22
and then in November 2018 I sat down and
00:45:25
said you know what going to do it the
00:45:26
right way and just start tracking
00:45:28
everything and and really knowing where
00:45:30
my money was going and that was a great
00:45:33
choice it is a great tool I've never
00:45:35
heard of anything like that I'm glad you
00:45:37
came around my wab Center um and the
00:45:41
last one purple probably the most
00:45:43
challenging one so no no worries if you
00:45:45
need a second um the last question is
00:45:49
what message would you put on a
00:45:50
billboard if I gave you a billboard to
00:45:53
share with the world what would you say
00:45:56
so I'm stealing this from my favorite
00:45:59
horror YouTube channel dead meat he ends
00:46:02
every single video with it and he's done
00:46:03
like 300 videos or something ridiculous
00:46:05
so far um and I feel it so hard it's be
00:46:09
good
00:46:11
people that is an excellent way to end
00:46:14
be good people purple if folks listening
00:46:18
want to read your story read your blog
00:46:21
if they want to send you a quick hello
00:46:23
note how can they find you you can find
00:46:26
me over at a purp life.com I've got all
00:46:29
my social media there email address all
00:46:31
the good
00:46:33
stuff excellent thank you purple I will
00:46:35
make sure to put that in the show notes
00:46:38
and thank you for coming on to the best
00:46:39
interest podcast it was great chatting
00:46:41
with you tonight thanks so much for
00:46:43
having me it was a
00:46:45
[Music]
00:46:51
blast purple I got to give you another
00:46:54
huge shout out thank you for coming
00:46:55
coming on to the best interest podcast
00:46:57
today listeners if you want to reach out
00:46:59
to purple I've included all of her links
00:47:02
in the show notes check them out there
00:47:05
if you want to reach out to me my email
00:47:07
is Jesse bestin interest. blog or you
00:47:10
can find me on Twitter where my username
00:47:12
is
00:47:13
bestore JC I love hearing back from you
00:47:17
guys thank you for the feedback you've
00:47:18
been giving me recently I hope you keep
00:47:20
it coming if you do want to give back to
00:47:22
the podcast there are three easy free
00:47:24
options for you always absolutely free
00:47:27
first one just subscribe to the podcast
00:47:29
if you like listening to it subscribe
00:47:31
listen to more episodes that's awesome
00:47:33
second and third options leave a rating
00:47:35
or leave a review of the podcast you
00:47:38
know as Ben Franklin said a couple
00:47:40
hundred years ago uh an investment in
00:47:42
knowledge pays the best interest and we
00:47:45
can continue to invest in one another
00:47:47
sharing with others that is investing in
00:47:49
their knowledge so thank you for
00:47:51
listening to this episode number 36 of
00:47:54
the best interest po
00:47:56
[Music]
00:48:07
podcast