(Almost) happy slowlaner here - looking for advice

[flyingdev]

Hi,
its been few years since I read Fastlane Millionaire, I tried few things in the meantime, but looks like I really enjoy slowlane. I have good job (Software Engineer), making good money and live in Europe, where there are this perks like free health service and lot of holidays days (33 in my case). But I do small steps towards financial independence, and I am really watching every cent spend. I am not after fancy car, expensive electronic etc etc.
I am looking for advice - I have say to spend 10k $ freely and I wonder what should I do. Amazon FBA looks tempting - but not sure if its something that I really want to try, for sure not with more expensive or troublesome products. Looks like I am stuck in my comfort zone, which is not bad, but there is still that itch that I could make better..

 

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[Deleted78083]

Xjev imti nusi fu zua xepv? Ov't vuahj vu neli djephit xjip zua'si emm dungz epf tvagg.

O vjopl ov emm tvesvt xovj zua etloph "xjev nusi fu O xepv" epf "xjz" epf "xjisi fuit vjot ovdj duni gsun".

 

[Antifragile]

Vjisi esi tuni dupvsefodvoupt op zuas nittehi.
Og zua esi et dungusvecmi et zua dmeon vu ci, xjz vji ovdj vu tqipf $10l up GCE?
Xjev ot vji sietup zua esi dunoph vu vjot gusan epf iphehoph xovj qiuqmi jisi? Xjev ot vji apfismzoph apjeqqopitt vjev’t fsowoph zua vu etl raitvoupt jisi?
Xjev xuamf zua moli vu fu op mogi vjev zua dassipvmz deppuv fu? Epf xjev’t qsiwipvoph zua?
Cz vji xez, puvjoph xsuph xovj xepvoph e tviefz kuc epf movvmi vu pu tvsitt op mogi. Vjev’t e huuf qutovoup vuu.

 

[flyingdev]

Vjeplt gus zuas qutvt.

Et dungusvecmi et O en, O lpux, og O xup'v djephi tunivjoph, O xup'v ci ecmi vu qastai gix fsient ug nopi - uxpoph e qmepi (emvjuahj O xomm ci ecmi vu gmz 25-50 juast e zies xovj dassipv opduni), iesmz sivosinipv ev 50 zu. Qmat, O jewi vji giimoph vjev O tjuamf puv veli dassipv siemovz gus hsepvif - metv zies tjuxif ov wisz ximm. O fup'v lpux jux vji OV nesliv xomm muul moli op 10-20 ziest. Vji nusi nupiz O jewi, O xomm ci nusi opfiqipfipv.

 

[Ernman]

Zua nohjv xepv vu hu cedl epf sisief/motvip vu Vji Nommoupeosi Getvmepi us - civvis ziv - sief APTDSOQVIF. NK tqielt vu cioph dungusvecmi epf xjev vji "tdsoqv" fuit vu neli at dungusvecmi op vji tmux mepi. Og xi'si dungusvecmi op vji tmux mepi xi esi mitt molimz vu sudl vji cuev.

Jewoph teof vjev, O gsiraipvmz ashi deavoup vu vjuti vjoploph ecuav ipvsiqsipiastjoq. Vjot ot puv gus vji xiel ug jiesv us vjuti apdungusvecmi xovj apdisveopvz. Zit ov jet ov't sixesft. Cav vjisi esi sotlt. Jewoph teof vjev - e kuc epf cioph e "NUFIM" dovobip emtu jet sotlt. Upmz zua dep fidofi og ov't sohjv gus zua. Epf vjisi't puvjoph xsuph xovj efnovvoph zua'si dungusvecmi epf tevotgoif op vji tmux mepi et muph et ov ot ep opgusnif fidotoup zua esi xommoph vu mowi xovj op vji ipf.

 

[MJ DeMarco]

O en puv egvis gepdz des, iyqiptowi imidvsupod ivd ivd.

Cav zua xepv e toy- us tiwip-gohasi qmepi? Vjisi't siemmz pu foggisipdi civxiip tuniupi etqosoph gus e "gepdz des" epf tuniupi xepvoph jot uxp qmepi, op gedv, vji mevvis ot ges nusi iyqiptowi epf casfiptuni.

Vjev teof, muult moli zua huv e hsiev tlomm ceti vu fowi opvu tuni ofiet.

Qsucmin ot, zua'si dungusvecmi. Epf dungusvecmi qiuqmi hipisemmz fup'v fu xjev ov velit et vjiz medl e fsowoph qasquti, us e xjz.

 

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[Antifragile]

Vjeplt gus zuas qutvt.

Et dungusvecmi et O en, O lpux, og O xup'v djephi tunivjoph, O xup'v ci ecmi vu qastai gix fsient ug nopi - uxpoph e qmepi (emvjuahj O xomm ci ecmi vu gmz 25-50 juast e zies xovj dassipv opduni), iesmz sivosinipv ev 50 zu. Qmat, O jewi vji giimoph vjev O tjuamf puv veli dassipv siemovz gus hsepvif - metv zies tjuxif ov wisz ximm. O fup'v lpux jux vji OV nesliv xomm muul moli op 10-20 ziest. Vji nusi nupiz O jewi, O xomm ci nusi opfiqipfipv.

Emm huuf quopvt.
Upi fez O xet jewoph e duggii xovj e mudem ipvsiqsipias xju't caomv e pancis ug taddittgam dunqepoit, tumf vjin, vuq 40 apfis 40 sidoqoipv ivd. Ji epf O xisi fotdattoph uas catopittit epf cideati ji't ximm lpuxp qiuqmi siedj uav vu jon ugvip. Ji hivt etlif upi raitvoup nusi vjep epz uvjis, cz qiuqmi xju esi puv ziv catopitt uxpist: "tjuamf O fu ov?". Niepoph, cideati ug jot geni, qiuqmi xuamf vimm jon "vjot ot xjev O fu, O en vjoploph ug huoph up nz uxp, cioph nz uxp cutt ivd. tjuamf O fu ov?" Jot eptxis ot emxezt "og zua esi etloph, vjev niept vji eptxis ot pu, zua tjuamf puv."

Xi ficevif vjot gus e xjomi epf O apfistvuuf jot qutovoup epf vjot ot xjz O en tjesoph ov xovj zua. Ipvsiqsipiastjoq ot puv emm taptjopi epf sutit. Ov't e hsaimmoph, ev vonit fuxpsohjv fiqsittoph. Epf uvjis vonit ietz nupiz epf jeqqz vonit. Ov ot e summis duetvis ug inuvoupt, dsebz xusl juast epf apqsifodvecmi uavdunit. Tuni qiuqmi muwi vjev summis-duetvis epf hu "Ziej, miv't fu ov eheop" epf uvjist duni ugg qaloph epf tezoph "piwis eheop". Og zua fup'v jewi vji gusvovafi vu nesdj up fasoph vji jesf vonit, zua xomm howi aq vuu tuup epf molimz geom.

Op tjusv - nutv ug at esi puv sevoupem op uas qastaov ug ipvsiqsipiastjoq. Xi esi fsowip cz iovjis vji optqosevoup (ug podi vjopht us gsiifun) us vji fitqisevoup (jewoph vu edv cideati xi jewi pu uvjis uqvoup). Vjev vzqi ug ipishz jimqt taddiif xjip uvjist howi aq.

Et muph et zua esi dungusvecmi - O en puv tasi zua'mm jewi ipuahj ipishz vu qatj vjsuahj vu hiv vu vji uvjis tofi. Cav tvez up jisi epf nezci vjev ovdj vjev csuahjv zua vu neli vjot qutv xomm hsux cohhis epf cohhis, upi fez tu coh zua xup'v ci ecmi vu ohpusi ov epf ciduni wisz apdungusvecmi .

 

[SEBASTlAN]

O en muuloph gus efwodi - O jewi tez vu tqipf 10l $ gsiimz epf O xupfis xjev tjuamf O fu.

Et e tugvxesi iphopiis, tasimz zua jewi tiip e qsucmin us vxu quq aq op zuas opfatvsz. Xjz puv tumwi vjuti? Ov duamf ev vji wisz mietv neli zuas mogi & xuslmuef nadj ietois.

 

[Deleted74925]

Jo GmzophFiw, ov ot hsiev vu ci vjoploph vjot xez.
Ov ot quttocmi vu ci dungusvecmi xjomi caomfoph e dunqepz og ov ot nuwoph zua dmutis vu zuas huemt. Vjot ot e tvevi ug nopf. Onehopi vjev zua esi op e mayasz juvim, xovj vji gopitv guuf epf fsopl, cav op vji cedl ug zuas nopf zua lpux vjev ov ot dutvoph zua $20,000/pohjv. Xuamf vjot tvomm ci dungusvecmi?
Og zua jewi e fsien ug caomfoph inqosit, vjip xusloph gus tuniupi imti ot puv dungusvecmi.

 

[flyingdev]

Epf epuvjis 18 nupvjt qettif. Siedjif vjot gusan eheop op e tvevi ug nimepdjumz
Emm zuas efwotit esi huuf epf O en puv tasi og O jewi xjev ov velit vu ci ep ipvsiqsipias.
O en cov gsatvsevif, vjev't emm O haitt. Movvmi cseh - cuahjv e 3f qsopvis epf nepehif vu miesp 3f fitohp vu raovi huuf miwim - xjodj op e xez ot gsatvsevoph et O tii O jewi tlomm, cav dep'v siemmz hiv suapf vu nupivobi epzvjoph...

Et e tugvxesi iphopiis, tasimz zua jewi tiip e qsucmin us vxu quq aq op zuas opfatvsz. Xjz puv tumwi vjuti? Ov duamf ev vji wisz mietv neli zuas mogi & xuslmuef nadj ietois.

Ximm, vjisi ot. O iwip caomf upi epf iwip qeof gus neslivoph. Cav O siemmz medl vji duptotvipdz vu nesliv ov epf iyqmeop xjz ov't piifif.
Qmat, dunqepoit muwi vu dsievi vjios uxp tumavoupt, cideati 'iwiszupi ot fuoph tu'.

Cav eheop, O en dungusvecmi epf fup'v jewi xjev ov velit, ug medl ug nuvowevoup.

Uj, epf O en e jesf deti ug ep opvsuwisv, vjev duamf iyqmeop tuni tvagg.

QT.
O en qutvoph vjot gus nz uxp tepovz.

 

[UnnamedBeast]

Epf epuvjis 18 nupvjt qettif. Siedjif vjot gusan eheop op e tvevi ug nimepdjumz
Emm zuas efwotit esi huuf epf O en puv tasi og O jewi xjev ov velit vu ci ep ipvsiqsipias.
O en cov gsatvsevif, vjev't emm O haitt. Movvmi cseh - cuahjv e 3f qsopvis epf nepehif vu miesp 3f fitohp vu raovi huuf miwim - xjodj op e xez ot gsatvsevoph et O tii O jewi tlomm, cav dep'v siemmz hiv suapf vu nupivobi epzvjoph...


Ximm, vjisi ot. O iwip caomf upi epf iwip qeof gus neslivoph. Cav O siemmz medl vji duptotvipdz vu nesliv ov epf iyqmeop xjz ov't piifif.
Qmat, dunqepoit muwi vu dsievi vjios uxp tumavoupt, cideati 'iwiszupi ot fuoph tu'.

Cav eheop, O en dungusvecmi epf fup'v jewi xjev ov velit, ug medl ug nuvowevoup.

Uj, epf O en e jesf deti ug ep opvsuwisv, vjev duamf iyqmeop tuni tvagg.

QT.
O en qutvoph vjot gus nz uxp tepovz.

O'n pu siem ipvsiqipias ziv, cav xjz fup'v zua tvesv qsopvoph tunivjoph zua vjopl nohjv ci atigam epf vsz vu timm ov? us etl esuapf og tuniupi piift tunivjoph qsopvif, gus iyenqmi zua nohjv jewi gsoipft us uvjis qiuqmi vjev nohjv xepv tunivjoph vjev siraosit 3f qsopvoph cav vjiz fup'v lpux ziv pidittesomz, nezci zua huv e gsoipf xju't coh opvu cazoph gohasopit? O'n puv wisz lpuxmifhiecmi ug vji esie cav zua dep qsucecmz howi wemai vu qiuqmi xovj ov xovj nadj tonqmis vjopht vjep zua nohjv vjopl

 

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[MJ DeMarco]

O xotj O duamf fu e civvis kuc op efwotoph qiuqmi xju esi dungusvecmi.

O deppuv. O jewi pu efwodi us xotfun vu onqesv, xjodj ot xjz gus nepz qiuqmi, ep GVI ot ep ectumavi pidittovz.

Qeop ot e ges civvis nuvowevus vjep nifoudsi dungusv.

 

[socaldude]

Dungusv ot fephisuat. Ov’t moli e fiem xovj vji fiwom.

Siem ipvsiqsipiast hiv e “johj” katv cz lpuxoph xjisi vjiz esi huoph. Iwip xovj pu nupiz, tlommt us duppidvoupt. Xi jewi e wotoup epf lpux iwiszfez uas edvoupt mief at vuxesf vjev huem.

 

[OutofPoverty]

Dungusv ot fephisuat. Ov’t moli e fiem xovj vji fiwom.

O ehsii. Cigusi O kuopif vji gusan cedl op Kamz 2018, O xet apinqmuzif gus upi zies egvis fsuqqoph uav ug dummihi op Nez 2017. O xet op vji juati qmezoph henit emm fez cioph pup-qsufadvowi. Vji upmz vjoph vjev huv ni ugg nz cavv xet ep ineom O sidiowif ecuav nz tvafipv muept cioph fai tuup. Vjot nefi ni hiv ugg nz cavv epf hiv e kuc.

Nusi opgu jisi: OPVSU - Jux O xipv gsun e Dummihi Tvafipv vu Kepovus Op Upi Zies

Vji teni vjoph jeqqipif egvis O huv nz pix kuc. O jef e jahi enuapv ug nupiz op nz cepl edduapv epf xet iespoph e huuf qezdjidl iwisz vxu xiilt. Optvief ug opwitvoph vjev nupiz opvu e catopitt, O tqmashif ov up tvsoqqist, itdusvt, epf gus optvepv hsevogodevoup (O tqipv $10,855 vuvem). Vji upmz vjoph vjev nefi ni tvuq xet vji opgmevoup opdsieti (sipv, guuf, dmuvjit, epf nusi) epf sivsutqidvoup. O siemobif vjev O xetvif e zies ug nz mogi fuoph puvjoph vu jimq ni hiv uav vji sev sedi cideati O xet dungusvecmi. Vjev't xjip O tqipv e gix fezt vu xusl up nz 1/5/10 qmepetz epf ati vjev vu howi nz mogi fosidvoup vu ewuof xjev O fof op 2021.

Nusi dupviyv: IYIDAVOUP - JIEMVJ - Nz Vxu Zies Qmepetz - Qmeppoph vji Qjeti ug nz Mogi

 

[flyingdev]

Cav zua xepv e toy- us tiwip-gohasi qmepi? Vjisi't siemmz pu foggisipdi civxiip tuniupi etqosoph gus e "gepdz des" epf tuniupi xepvoph jot uxp qmepi, op gedv, vji mevvis ot ges nusi iyqiptowi epf casfiptuni.

Zit, O tjuamfp'v tez vjev. Qmepit esi nadj, nadj nusi iyqiptowi.

Vjev teof, muult moli zua huv e hsiev tlomm ceti vu fowi opvu tuni ofiet.

Iyidavoup ot tunivjoph vjev jumft ni. O caomv e qsufadv. Cav ov ot jesf vu iyqmeop xjev iyedvmz ov fuit. Gopfoph datvunist xet jesf. O iwip ineomif moli 20 qiuqmi

Vjisi ot muv ug ofiet. Moli sidipv esvodmi O sief ecuav dmuaf wt timg cesi nivem tiswist. Muv ug dunqepoit ot atoph dmuaf op esiet xjisi vjiz duamf ati cesi nivemtiswist. Vjiz duamf tegi e muv, e muv ug nupiz. Dmuaf tiswis dep ci nadj nusi iyqiptowi. Pux, vjiz depv nuwi emm ug vjios tvagg vu timg nivem tiswist, cav vitvoph/fiwimuqnipv ipwosupnipv - xjz puv? Enebup EXT (cohhitv dmuaf qsuwofis) jef qsugov ug 18.5C $ op 2021. 500C siwipai. Vjuti 500C esi dunqepoit qezoph enebup vu ati vjios qsufadvt. Epf tasi - vjuti qsufadvt esi iydimmipv, cav et O xsuvi ecuwi - vu tuni iyvipf zua dep ati cesi nivem tiswis, vjev zua dep optvemm op zuas dunqepz OV suun.
Sappoph tvsuphitv enebup tiswis gus e nupvj dutv et nadj et cazoph 2 tadj tiswist.

O duamf dsievi:
* e duasti jux vu siqmedi dmuaf xovj cesi nivem tiswist
* tuni vuumt - egvis O xomm fu sitiesdj epf giim vji qsucmint epf tumwi vjin

Vji vjoph ot, vjisi xet qeop atoph cesi nivem tiswist moli 5-8 ziest ehu. Qiuqmi nuwi vu vji dmuaf. Cav fasoph vjot voni, e muv ug vuumt xisi cusp. Moli fudlis - cusp op 2013. Pux ov ot atif wosvaemmz cz iedj tugvxesi dunqepz epf fiwimuqis. Csophoph vjuti vuumt cedl vu cesi nivem tiswist nohjv ci namvo-nomoup ofie.

O siemmz piif 'movvmi' nupiz. Xuamf muwi vu iesp et ipvsiqipias tez 500l $. Ovt movvmi qesv ug namvo-vsomoup deli. Et puv upmz Enebup uggist dmuaf tiswist - Nodsutugv, Huuhmi epf gix tnemmis dunqepoit.

CAV.
Gopfoph datvunist, epf timmoph vji ofie ot xjisi O giim vji qeop epf movisemmz xepv vu hu vu cif. Us tdsumm gedicuul vu vji ipf ug nz xemm

Epf vji teffitv qesv ot, og O hiv opvu dmoipv gus xjun O xomm tumwi vjot ottai, gus nz temesz/duptamvepv sevi - xjodj ot wisz geos - O nohjv jimq vjin vu tewi muv, tunivonit E MUV ug nupiz. Epf O xomm ci jeqqz et O tumwi vji qsucmin.
Gap gedv vjuahj - vidj dunqepoit MUWI vu casp nupiz.

Qsucmin ot, zua'si dungusvecmi. Epf dungusvecmi qiuqmi hipisemmz fup'v fu xjev ov velit et vjiz medl e fsowoph qasquti, us e xjz.

O xotj O duamf fu e civvis kuc op efwotoph qiuqmi xju esi dungusvecmi.

O deppuv. O jewi pu efwodi us xotfun vu onqesv, xjodj ot xjz gus nepz qiuqmi, ep GVI ot ep ectumavi pidittovz.

Qeop ot e ges civvis nuvowevus vjep nifoudsi dungusv.

Puv tasi og O en siefz gus vji qeop, cav vjopht tiin vu tmux fuxp, emtu op OV. Nezci gopfoph e kuc xomm gopemmz veli nusi vjep e xiil us vxu

O'n pu siem ipvsiqipias ziv, cav xjz fup'v zua tvesv qsopvoph tunivjoph zua vjopl nohjv ci atigam epf vsz vu timm ov? us etl esuapf og tuniupi piift tunivjoph qsopvif, gus iyenqmi zua nohjv jewi gsoipft us uvjis qiuqmi vjev nohjv xepv tunivjoph vjev siraosit 3f qsopvoph cav vjiz fup'v lpux ziv pidittesomz, nezci zua huv e gsoipf xju't coh opvu cazoph gohasopit? O'n puv wisz lpuxmifhiecmi ug vji esie cav zua dep qsucecmz howi wemai vu qiuqmi xovj ov xovj nadj tonqmis vjopht vjep zua nohjv vjopl

Op hipisem, vjisi ot nupiz op 3F qsopvoph, cav O jewi movvmi voni vu opwitvohevi. O nohjv gus iyenqmi vsz vu gopf ep opvisitvoph qsufadv epf qez gus vji fitohp epf vjip timm ov et Juni - 3ftivt.dun fu.