Incoherent Thoughts

On the road to financial independence………….

Every weekday morning I wake up 5:45 am, I am greeted by a fast asleep wife and a Siberian husky that has been waiting for this moment with great excitement.  I am usually shown my dog’s morning stretch followed by a small howl and most mornings makes me smile, others I can barely see 2 feet in front of me as my body urges me to go back to bed.  The well being of our Siberian husky and the potential gifts left later on in the afternoon make my decision to move forward quite easy.  This literally is the start of my road to financial independence.  The choice to wake up and walk my dog.

What’s interesting is that everyone has this same choice every morning.  It’s not always going to be an alarm clock or the howl of your Siberian husky but it’s just the same.  It’s the desire to get up and start your day.  Sometimes the beginning is so hard and especially when it repeats.  Why am I talking about how I wake up every morning with strangers or friends on the internet?  I truly believe the road to financial independence is a difficult road ahead and starts with the decision to take another step day after day.

I have taken some time away from the blog and some of this was because of my family vacation in Nicaragua for 2 weeks, preparing one of our rental units for a new tenant, and lastly a clear decision to step away and enjoy our summer in Chicago.  I wrote during that time, a couple drafts here and there, used social media, and read a good amount.  What’s interesting to me in all of this is when I was attacking debt and reaching my goal of zero personal debt I couldn’t read and write enough, simply relishing the articles and the joy it gave me.  I would learn new things about not only myself, but see such great stories written.  What’s happening now is I am on the path to financial independence, but it’s a really long journey.  I don’t have the same excitement that I felt paying of a credit card or student loan that made me smile.  Today, I am making large contributions to my 401K and H.S.A both set up automatically.  In our Blueprint we are making real estate a large part of our plan and are only a few months away from having a paid off rental home that produces income free and clear in 2017.

Maybe I lost my drive, maybe I’ve been sick the last week while working the 9-5 and coming home to fix up the rental unit.  I guess it could be a lot of things.  Taking 2 weeks off from having to worry about almost anything besides should I shower certainly puts you in a different mindset.  My phone was off for all about 4 hours of a 2 week vacation and it was great.  I didn’t miss much.  I was late on responding to a contractor and failed to book a date, but have a back up plan scheduled and despite my vacation setting on eBay received offers I did not respond to immediately which could have netted me a few extra dollars if they were fine with waiting.  Before I left I was even interviewed for Student Loan Hero, which was great although I would have loved a little more anonymity and a picture of myself, which is pretty ironic.*

Another major struggle I have is my focus.  I am someone who goes in spurts with my intensity and focus.  The blog has not been a focus but I made a major switch to eBay in the past 2 or 3 months to build up a small part time nest egg.  The 9-5 has been anything but appealing and while I’m looking for a change within the company this does not happen overnight.  I have been disappointed, feeling stuck, and ready to move on which makes life a little more of a grind.  I’m not hear looking for sympathy, motivation, or anything other than me putting words to electronic paper.

Looking at it from another view can change your perspective.  Life is great where I am able to take 2 week vacations to Nicaragua, a new tenant and a small increase of rental income, while not jumping for joy at my 9-5 I do have a job to come to where they pay me for doing work, happens every 2 weeks and they haven’t missed a beat.  We recently made a large payment and now owe less than a new Toyota Camry, which is amazing to me.  Mrs. ESM is doing great at work and loved seeing her family.  I’m losing weight (some due to being sick) and fitting in to pants that months ago I wouldn’t even dare to try on.  We shall be at #FINCON16 this year which is less than a month away and I look forward to seeing so many inspirational people.  I plan to enjoy the conference more this year as last year was certainly a tornado for me.

All in all this post is one big giant ramble of incoherent thoughts, I apologize if you came expecting personal finance writing, I’m just getting back, I had to start somewhere.  No editing has been done to this article, just words on electric paper, thanks for reading.


*There are a few things I need to clear up in the article for accuracy sake.  My Mercedes loan was $18,000 not $40,000 as in the article, renting out the Florida property didn’t free up any of my money as Mrs. Even Steven was and is responsible for this payment,  the Chicago rental income did not help me pay towards any of my debt as we both have ~equal payments from our salary that pays the Chicago mortgage.  This rental income is allocated to the Florida property, emergency house fund, and utilities.  I think overall they are small details and I thank Paul for taking the time to talk with me especially as I answered riding my bike down the street wondering who was calling me from some phone number I had never seen, I hope I was a nice.

10 Responses to “Incoherent Thoughts

  • Even after you are FIRE’d, you need motivation to get up and start the day. It may be a bit later in the AM, or a bit less time efficient, but you need to get revved up.

    Keep going strong, you will be there soon enough.

    • EvenStevenMoney
      1 year ago

      Thanks NNL, always great to hear positive words.

  • It is always a good thing to take a break every now and then and live life. Sometimes we get so wrapped up in things that we forget about the reasons we are striving for FIRE.

    We were just in Chicago a couple weeks ago and I can understand why you want to take advantage of it in summer. It was a fantastic time to be down there.

    • EvenStevenMoney
      1 year ago

      Yeah Chicago in the summer is tough to beat. FIRE is also a long term goal, IMO anything that involves years instead of months is long term. Sometimes priorities take a side step but the focus is still on the mind, just not in front.

  • You’ve had a pretty large and aggressive goal when you were working on paying off your debt, it’s normal that you now feel a little less pressure. Financial Independence takes time and identifying some wins along the way helps.
    You’ll get there in no time, but in the meantime, it’s ok to relax and enjoy the ride 🙂
    TheMoneyMine recently posted…Fake it till you make it : Stock Markets editionMy Profile

    • EvenStevenMoney
      1 year ago

      Relax might be the struggle sometimes, I go in obsessive focus sometimes, hope this one fades as I enjoy putting words to paper even if it’s just to say I’m still here and doing well.

  • I actually wouldn’t say they are as incoherent as you think they are. I mean you kind of doing an assessment of where you are and went through a specific progression, which conveys a thought process and pattern.

    Personally, I think it is great that you struggle a little. I mean that is part of life. Without struggle there is no progress. Wish I could be at FINCON to meet people. Hope you have an excellent time.

    • EvenStevenMoney
      1 year ago

      Nice of you to say, I’ll still do my best to less incoherent in the future:) FINCON should be fun, bringing the wife so more of a meet and greet this year I think, but hoping to come out with clear mind and a focused direction.

  • Taking breaks and regrouping your mind and focus are so vital to continuing your journey for the long-haul.

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