In this post I will talk about the factors that prevent you from retiring early and being happy.
Although many people find that happiness is a subjective thing and depends on the mentality of each person, there is a common framework in happiness, factors that influence the depth, the perenniality and the solidity of happiness.
The post is about being happy and retiring early, it’s not about being happy, or about retiring early, it’s about the two things at the same time.
I find the two things together much more interesting. After all, what is my goal? Retire early and be happy. Being happy is perhaps the most common goal of any human being, to retire early perhaps not so much, perhaps because in the Matrix no one retires early, and that we were not programmed for it by her.
This blog is a mix of how to save money, how to change your attitude to the world, how to change your consumption habits, how to get rich, how to invest, how to be happy and how to be more productive, studious, enthusiastic and hopeful. So come on, being happy depends on not having to kill yourself from working to have money to close the bills of the month, from not paying interest or financing, depends on having time to live your choices and pay attention to what interests you, family, friends, Hobbies, places to visit, sports, among other things.
Let’s see a small slide that can summarize some things of a happy life:
Starting with the light blue diamond
Freedom: It comprises a sense of physical freedom, mental, financial and social. To have physical freedom is not to be in jail, mental freedom to learn new things and to review dogmas, financial freedom not to be a slave to money and social freedom to relate to whoever wants and can, voluntarily on both sides.
Privacy: Here understands its right to be left alone in its in its place, without being disturbed, to be able to read, rest, sleep, organize your life and make your things. In our Judeo-Christian Western culture, one understands this as having a place to live or a room for yourself.
Comunidade: Compreende um grupo de pessoas com quem você se comunica pessoalmente ou até mesmo virtualmente. É a sensação de pertencimento a algum grupo ou à alguns grupos que faz com que nos sintamos felizes.
Life philosophy: You can enter religions, philosophy, ethics, welfare, traditions of families or ethnic groups. Personally, I like Buddhism, Stoicism, and humanism. I am not religious and I do not believe in anything supernatural, but I do not fail to recognize the importance of religion, worship, gods, traditions, rituals and religious books that can teach a lot of good things.
Health: Of course we need to be healthy in order to enjoy a better life. A sick person can be fully happy as well. For the general of people, it is enough to avoid excesses, obesity, smoking, drugs, alcohol, playing sports, treating seriously any illness you have, eating and sleeping well.
Friendships: Extremely important too. Friends are the treasure of life together with your family.
Working with full sense: no use bottle and pinch a job without any meaning for you. If you are not happy in a job and you do not see any sense in it, it is better to try to work fully in another place or another area. Your job has to make sense for you and give you money too, that’s part of the whole job sense.
Study, education, and reading: I added this because I think that the more you study and read, the more is at peace. The abler you are in your work, the less you will become stressed, the more you know things and have the means to solve it, it will be simpler and less laborious. One of the biggest sources of stress at work is the lack of training and reading. This also includes reading classic books, philosophy, biographies, non-fiction books, poetry, humanities, and whatever else pleases you.
A little of each of these we can say that will compose your happiness.
The purpose of life is to be happy, not to be rich. Being rich because you are rich has no meaning.
Now let’s think about your lifestyle and your mental programming to be happy.
Note this house:
It looks quite small and simple, with a small lot, a sink behind, no car, maybe a small bedroom or two, a simple door, without any luxury. A cheap house, in a simple neighborhood.
For I was very happy a lot like home with this for almost 18 years in my life. Seems impossible for a lot of people, is not it? Would you be happy in such a house? I would be back again and very quietly.
Or would you be happy just in a house like this?
I hope you do not need to live like this to be happy.
And this car would make you happy?
It costs about 15 thousand reais today and is very similar to mine.
Or do you wait for this car to be happy?
How many years of your life, hours of your work, what is the annual cost of keeping such a monster?
The purpose of life is to retire as soon as possible. I’ll get there …
Bicycle, white or yellow?
I was very happy riding a used bike for $ 70.
This yellow costs more than R $ 25 thousand.
The choices we make in life, mental, financial, social, will shape our happiness a little.
I’m still very young at the age of 31, maybe I’ve already fulfilled 1/3 of my life goal, it’s a lot for those who are so young. I have friends at my age and with many more opportunities than I who are in negative equity at this time, read up paying interest, financing, and provision of cars, apartments and motorcycles and even holiday travel, without money in savings.
Now and when joining their family the business is more or less so, nowadays, this for a couple and an adult son:
But the son himself wanted to be like this …
And the couple and the son really wanted to live in a place like this:
Now imagine the cost of it. How many hours of freedom, how much work, how much interest lost … (I am making the example very superlative).
Now, what if you made $ 150,000 a year in total and could only spend $ 40,000 to keep? It seems difficult? It would save R $ 110,000 annually and would have R $ 1 million in 10 years without interest. And what would that give you? About 5,000 a month, you need to clean up early to retire, take care of your life, work on whatever you want and stay with friends, family, doing sports and relaxing. It seems impossible, does not it? But then, what’s the secret?
SPENDING LESS THAN YOU MAKE.
LIVING BELOW YOUR POSSIBILITIES.
No luxury car brand year (better not even have a car).
No bike guy. No dinner at a restaurant, no lunch at a restaurant.
Nothing to keep buying lunch at work.
No expensive vacations. No futility, superfluous, machines of this and that, no expensive clothes, expensive food, expensive brand clothes.
Go in the basics: Atacadão, Makro, bike, cook at home, cut diarist or maid, kettle, rent or cheap house, old and used car (or none), public transportation, bike, bike, Study, learn the basics of investing, sleep well, eat healthily. It’s basically pretty easy.
And once again I’m going to put that table of Mr. Money Mustache:
Let’s focus on 55% -65%.
If you save 55% of what you earn, you can retire in 12.6 years.
If you save 65% of what you earn, you can retire in 9.5 years.
THIS IS THE SHOCKING MATHEMATICS OF RETIREMENT.
In our example, the guy earns 150,000 a year and spends only 40,000, spends 26% and invests 74%. By our table, he would retire in 6.7 years. Amazing. Much better than waiting until the 65-75-year-olds.
Now if you spend on Land Rover, Cruise Ships, expensive restaurants, expensive bikes, expensive clothes and etc … you will never get there.
The difference you save 10% to 15% every year is retiring SIX YEARS EARLIER.
The difference you save 15% to 35% is TWELVE YEARS MORE WORKING.
If you save 50% of what you earn, you will only need to work 14 years.
Read this table, copy, print, take a photo, think about it, it is the table of life.
You can be happy spending your holidays on a site like this:
Look at peace, how can you have good moments with family, friends, children, just a barbecue, a football, a guitar playing, reading books, listening to music.
Or will you pay $ 15,000 to get the whole gang into a monster like that?
The more sophistication, the more slavery, the more work, the longer the retirement.
You do not have to spend rivers of money to be happy.
More and live simple and everything will happen.
Read, learn, study, invest.
Pay attention to all your daily habits of consumption, every item, everything, every desire, every need. Your behavior will help you overcome the Matrix.
Be content with little and simple things. Do not demand expensive things to be happy.
Without retirement, you will not be able to be happy retired early.
Any questions tell me here in the comments, we will interact and also with each other. We can beat the system.
And I hope I can help you readers on this journey.