Single Player Life

Accountability through Uncomfortable Transparency

I will be able to retire within 10 years from (May 27, 2017). It will happen; it’s on the calendar.
I said it before, and I’ll keep saying it until it happens. I’ve shared this goal privately with a few people, as well as made it a public announcement last month in order to get some Kickass Motivation through Public Accountability. As with many things “unordinary”, I’ve received a number of comments from doubters and seemingly haters. Some people were genuinely curious about how I would do it. One of the key steps I’ve taken is to understand where my money is being spent, and seeing if those things are adding appropriate levels of happiness. So in order to pile on even more Accountability through Uncomfortable Transparency, you can take a look at my baseline spending with my Ultra-Luxurious, Carefree Lifestyle. If you think I should be spending less than this, then I agree! I’ll be following up with how I am reducing my own spending to a Still-Awesome, Intentional Lifestyle, where I’ll still be plenty happy and healthy while progressing towards the goal of Early Retirement within 10 years. So I hope you stay tuned (all doubters, haters, curious, and believers), keep me honest and motivated, and enjoy the journey!

My Ultra-Luxurious, Carefree Lifestyle
(baseline simplified average expenses from 2011 to 2016)
This excludes my student loan payments, which I paid off in 2016!
Category Spending Item Monthly Total
Home
Rent $1,640
$1,757
Gas, Water, Trash $65
Electricity $35
Renters Insurance $17
Car
Car Insurance $85
$181
Car AAA $8
Car Maintenance $25
Car Smog $3
Car Fuel $60
Phone /
Internet
Phone $85
$170
Internet $85
Consummables /
Haircut
Consummables $20
$38
Haircut $18
Food /
Drink
Coffee $14
$514
Food $500
Membership /
Fees
WordPress Blog $3
$5
Perfume Fanclub $2
Shopping
Amazon Prime $9
$94
Games $60
Electronics $25
Obligatory Giving
Birthday Presents $54
$118
Christmas Presents $64
Events /
Travelling
Anime Expo $100
$200
Trips $100
Combined Average Monthly Total $3,077
Combined Average Yearly Total $36,924
How Much I Would Need to Save and Invest
to Maintain This Lifestyle in Retirement
$923,100
(assuming 25 times yearly spend, or 4% Safe Withdrawal Rate)

 

My Still-Awesome, Intentional Lifestyle
(starting in 2017 and continuing to adapt to and improve upon)
I hope you follow along, keep me accountable, and enjoy the journey!
Category Spending Item Monthly Total
Home
Rent $1,640
$1,709
Gas, Water, Trash $35
Electricity $25
Renters Insurance $9
Car
Car Insurance $30
$83
Car AAA $0
Car Maintenance $15
Car Smog $3
Car Fuel $35
Phone /
Internet
Phone $25
$110
Internet $85
Consummables /
Haircut
Consummables $10
$10
Haircut $0
Food /
Drink
Coffee $7
$157
Food $150
Membership /
Fees
WordPress Blog $3
$5
Perfume Fanclub $2
Shopping
Amazon Prime $0
$0
Games $0
Electronics $0
Obligatory Giving
Birthday Presents $0
$0
Christmas Presents $0
Events /
Travelling
Anime Expo $0
$0
Trips $0
Combined Average Monthly Total $2,074
Combined Average Yearly Total $24,888
How Much I Would Need to Save and Invest
to Maintain This Lifestyle in Retirement
$622,200
(assuming 25 times yearly spend, or 4% Safe Withdrawal Rate)

Kickass Motivation through Public Accountability

~ I will be able to retire within 10 years from today. ~

This is a challenge to myself, as well as encouragement to anyone else who wants to join me in this journey to financial freedom. This position of strength will grant us the time to do whatever we want to do (even continuing optional work) without having to worry about money. I write this here in this public forum, not to brag, but to hold myself accountable to you and to the me 10 years in the future who will be very disappointed if they are not yet financially independent.

If I had started thinking about this earlier, I could be much closer to this goal. But part of this process involves making peace with my past, and I invite anyone else of any age interested in joining me to look forward with optimism. Today is the first day we can change the rest of our lives.

Don’t worry, there will be no need for major windfalls like winning the lottery or gambling with individual stock-picking or timing the market. Financial freedom does not require working until an “official retirement age” or “hitting a homerun” to amass a stash. Unlike current popular belief, early retirement is really simple.

We will succeed by following 3 simple steps: (1) avoid debt, (2) spend less than we earn, and (3) invest the surplus. The more we save and invest, the shorter the timeline. As a safety margin, I am giving myself up to 10 years, but If you could maintain a 75% savings rate, the you{+7} could already be retired. How exciting would that be!

I turn 29 years old today, May 27, 2017. Before I turn 39 years old, I will be able to retire. This is simply a fact for I{<39}; I{>29} will make it so. And so it must become.

So this post is a birthday can of kickass motivation through public accountability; this is the best gift I could think of to give myself. If I fail in this goal, I will be the first to mock and criticize myself (and I’m asking that you throw stones too), so I better not disappoint!

What Comes After And

 

Otsuka Ai – End and And

On this lonely roadway, I’m shut off from everything.

But it’s okay that I’m lonely on this roadway,

If I can reach you.

To God, a little bit of “Thank you”, and

Without hesitation, I must move forward to the end, and And.

I cannot ignore when you last said “Bye bye”, and

I won’t forget that was our beginning, end, and And.

Sorry, my love slowly grows.

My heartbeat rings out, trying to connect us.

If only it could grow faster, crying out to you.

But was it too late? Please open your eyes.

To mama and papa, “Thank you”, and

My tears will dry in the end, and And.

I will run away and say “Bye bye”, and

I don’t want this to end, and And.

On that lonely roadway, trying to reach you.

I will never forget;

That was our beginning, End and And.

Single Players for Humanity

We are the good news we want to hear and see. We are also the bad news we tire of. We are the silliness, the lightness, and the positivity in the world. We are also its seriousness, heaviness, and negativity.

We are inherently attracted to drama, rubbernecking and gossiping. We are by nature political creatures, arguing to win, not necessarily to be on the side of the Simple Truth. These traits reflect us in how we talk, what we listen to, what we learn, how we relate, and how we feel.

So let us today begin and continue to make a conscious effort:

Let us be silly, light, and positive. We must turn away from spreading negativity, not because we are trying to forget and be ignorant of it, but because someone must be the healing for it. In this digital world, we are even more connected at the keyboard and through the camera. We can share our pain, but let us also share our healing. We can share our despair, but let us also share our hope. We can share our sadness, but let us also share our happiness. Though we might die, let us also remember that we must live.

For humanity is but a collection of single player life. A single light shining brightly can lead others through the darkness. Let us be and share that single light. Let us live, let live, and love live.

With Clarity, Life, Never Death

This blog has been around for a year now, and I have tried using this forum as a way to help me improve my communication skills. Has it helped? Has it hurt? I have also tried blogging in order to help me achieve more clarity, to better understand myself, my thought processes. Has this worked? Has this failed?

Today, I will try to refocus, with clarity. Of some of this I have written. Of much more of this I still need to write. But today, I will jump to some of my conclusions. Bare with me, for I am still an amateur storyteller. I have not yet painted a fine portrait nor woven a great fabric. But I must tell this story, for myself and for those who read this now.

What is this blog mostly about? It is about first learning how to win on our own. It is about recognizing that we can do better. It is about living.

We are alive. Each of us is a single player in this game called life. We each choose how we want to live, but whatever we choose, we must live. It is our life to choose to live. We must live our own life. We can choose to live just for ourselves. That is fine, first and foremost we must take care of ourselves. We can choose to live for others. That is good, as long as we are still taking care of ourselves.

We might die. I say “might” because death is not a certainty. Death currently exists. Death is game over. Death is worse than bad. But death is not necessary. Never let anyone convince you otherwise; living does not require death. Any meaning that might be found in dying is a false promise. Whatever you think you would have learned upon dying, you will have lost immediately, because you would have been completely annihilated. You can live and wonder what might happen if you die. You cannot die and wonder if living was better.

It’s okay to live without death. I will borrow other’s words for now, as I am still crafting my art. But for now, this story must be told: a story about living, about seeing death for what it is, and about living without death.

http://lesswrong.com/lw/wq/you_only_live_twice/

  • “Once upon a time, infant deaths were part of the plan, and now they’re not.  Once upon a time, slavery was part of the plan, and now it’s not.  Once upon a time, dying at thirty was part of the plan, and now it’s not.  That’s a psychological shift, not just an increase in living standards.  Our era doesn’t value human life with perfect consistency – but the value of human life is higher than it once was…And I hope that the idea that people are disposable, and that their deaths are part of the plan, is something that fades out of the Future.”
  • “If other people want you to live, then it’s not just you doing something selfish and unforgivable, right? So I’m saying it to you. I want you to live.”

http://www.yudkowsky.net/other/yehuda

  • “Death is an extremely difficult technical problem, to be attacked with biotech and nanotech and other technological means. I do not tell a tale of the land called Future, nor state as a fact that humanity will someday be free of death – I have no magical ability to see through time. But death is a great evil, and I will oppose it whenever I can. If I could create a world where people lived forever, or at the very least a few billion years, I would do so. I don’t think humanity will always be stuck in the awkward stage we now occupy, when we are smart enough to create enormous problems for ourselves, but not quite smart enough to solve them. I think that humanity’s problems are solvable; difficult, but solvable.”
  • “Death hurt us, so we will unmake Death. Let that be the outlet for our anger, which is terrible and just.”

With clarity, I choose life; never death.

#SinglePlayerLife

#SinglePlayerNeverDeath