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Showing posts from November, 2020

Financial Independence is like.....

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.....watching paint dry. Do you enjoy watching paint dry? If you don't, you may get bored during your Financial Independence (FI) journey, especially at the middle to later stage. This is more for the majority of us who are employees.  The experience and challenges for those of us who are self-employed or business owners are probably different.  The Initial Phase It may start off with alot of budgeting, tracking and monitoring, rebudgeting and the cycle repeats like a habit or system. And repeats till we hit our comfort zone.  For myself, it started off with budgeting. I tried to track and monitor but it wasn't just in me to do so. I was okay as long as I have a rough gauge on the buckets that the expenses were flowing into. From this, I always wonder if I am more of macro person than a micro person. You know, the 'Big Picture'? Or perhaps I was just simply lazy.  Admittedly, a mixture of sacrifices and delayed gratification were made. Isn't sacrifice same as delaye