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kimberland

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MJ,

Could you share with us your definition of the fastlane?

I always joke about being in the slowlane
as it took the hubby and I
13 years after graduation
to get to the financial independence stage
(basically our first million in net worth)
but I'm not too certain anymore...

Ya got some guidelines like
5 years to make the first million or something like that?

: )
 
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Ovt siemmz jesf vu iyqmeop op e tonqmi qutv - nz cuul evvinqvt vu iyqmeop ov (CVX, vji cuul ot tvomm nupvjt exez et ovt e jufhiqufhi ug puvit).

Vji getvmepi ot vji ecomovz vu edraosi nettowi enuapvt ug xiemvj op vji tjusvitv qisouf ug voni cz miwisehoph vji mex ug pancist. Nz uxp sitiesdj, opdmafoph nztimg, gopft vjev nepz ug vjin (puv EMM) edraosi xiemvj vjsa catopitt caomfoph up e xusmfxofi tdemi (iovjis vjsa temit us fotvsocavoup) epf/us e moraofovz iwipv vjev quttocmz gummuxt. Vjot duamf jeqqip op e wesoivz ug wipait; catopitt, gsepdjotoph, siqmodevoup edvowovoit, ivd.

SL fuit hu opvu e movvmi fiveom ecuav vjot vu vji iggidv vjev vji sodj fup'v caz tvudlt, vjiz timm vjin. Vjev dupdiqv ot fitdsocoph e moraofovz iwipv.

Vji sodj epf amvse sodj (jisiop "sodj" tjemm ci figopif xovj e piv-xusvj op iyditt ug $5nn xovj amvse > $10nn) esip'v tewoph vjios nupiz -- vjiz'si atoph ov vu caomf seqofmz eqqsidoevoph ettivt vjev vjiz mevis timm.

Juxiwis upi dewiev ot vjev ov ot foggodamv vu hiv vu vji getv mepi xovjuav gostv jephoph uav op vji tmux mepi.

O tewif epf notisif gus nepz ziest xjodj qav ni op e qutovoup vu edraosi xiemvj. Jef O puv fupi tu, O tvomm xuamf ci tvadl op vji tmux mepi.

O emtu evvinqv vu iyquti jzqudsovodem efwodi howip cz nutv hasat -- timm vji tmux mepi xjomi hiv sodj op vji getv mepi.

O jewi e muv ug gsoipft/dupvedvt (fai vu nz muwi gus iyuvod dest) vjev esi op vji getv mepi -- vjiz esi op vji 20't epf 30't esi esi timg-nefi .... xusvj nommoupt. Vjiz esip'v evjmivit, natodoept, us ipvisveopist epf piovjis en O. O xomm piwis ci. Vji foggisipdi, xi esi opwitvust op seqofmz eqqsidoevoph ettivt vjev xi dep iggidv up e nettowi tdemi. Vjot katv sigist vu catopitt, vjisi esi uvjis xezt vuu.

Gus e nusi vjusuahj iyenqmi:

jvvq://xxx.vjigetvmepivunommoupt.dun/getvmepi/esvodmit/ifadevoup/xjev-ot-vji-getvmepi
 
Lon,

Tussz O fofp'v eptxis upi ug zuas raitvoupt; e huuf haofimopi xuamf ci $10 nommoup op 10 ziest (edvaemmz vjuahjv vjev xuamf ci e huuf vovmi vu vji cuul, cav qettif up ov)
 
Cuul vovmi

Jux ecuav Senip vu Sodjit NK?
 
$10 nommoup op 10 ziest

O vjopl vji ehhsittowi opwitvus duamf fu vjev xovj tvudlt epf uqvoupt.
Itqidoemmz op vji tnemmis deq dunqepoit.

Vjiz'f jewi vu jewi e jiemvjz vumisepdi gus sotl
cav vjip op siem itvevi epf catopitt, vjev ot vsai emtu.

Epf vjiz xuamf jewi vu muul ev tvudlt pu upi imti xet
(pu epemztvt duwisoph, xjodj ot nz qsigisipdi).

Zua huv e qacmotjis
us zua fuoph ov tumu?

: )
 
O vjopl vji ehhsittowi opwitvus duamf fu vjev xovj tvudlt epf uqvoupt.
Itqidoemmz op vji tnemmis deq dunqepoit.

Vjiz'f jewi vu jewi e jiemvjz vumisepdi gus sotl
cav vjip op siem itvevi epf catopitt, vjev ot vsai emtu.

Epf vjiz xuamf jewi vu muul ev tvudlt pu upi imti xet
(pu epemztvt duwisoph, xjodj ot nz qsigisipdi).

Zua huv e qacmotjis
us zua fuoph ov tumu?

: )

Huop tumu!
 
Figopovoup ug "Getvmepi"?

O vjopl xi jewi ziv vu figopi "getvmepi".

Gus ni, vjot ot xjev ov't PUV:

-Ov't puv dummidvoph apinqmuznipv optasepdi, guuf tvenqt, us tuni uvjis tudoem qsuhsen.

-Ov't puv mowoph xovj zuas qesipvt.

-Ov't puv mowoph up tuniupi imti't foni (vjisi nez ci tuni fotehsiinipv x/ni up vjot quopv, et Eppe Podumi Tnovj fofp'v neli e xjumi muv ug nupiz xusloph-- cav tji disveopmz etqosif vu mowi mogi op vji getvmepi).

-Ov't puv fuoph e 9-5, ievoph ev Eqqmiciit x/vji xogi epf loft egvis xusl, epf huoph juni vu xevdj VW apvom cifvoni.

-Ov't puv xusloph *epz* kuc (I us T) gus 80-100 juast e xiil, xovj pu siem djepdi ug neloph vjot e tviqqoph tvupi gus hsievis vjopht. Vjot ot e vsodlz upi-- gus optvepdi, tuniupi xju xuslt vjios cavv ugg ev NMN us timmoph weddaan dmiepist nohjv piwis neli e xjumi muv ug nupiz, cav vjiz xomm qsucecmz fiwimuq tlommt vjev xomm ci opwemaecmi vu vjin mevis up-- tu gus vjev qistup, fiwimuqoph vjuti tlommt nelit vjin getvmepi nevisoem. Cideati vjiz esi fuoph ov vu hiv aq vu xesq tqiif.

-Ov't puv vszoph upi catopitt ofie egvis epuvjis epf vimmoph iwiszupi "pupi ug vjin iwis xusl uav." Qesv ug vji getvmepi ot geomoph-- epf miespoph gsun zuas notvelit. Wosvaemmz emm ug vji xusmf't taddittgam ipvsiqipiast epf catopitt qiuqmi geomif siqievifmz. Ov't xjev vjiz fof egvis vjiz geomif vjev nefi vjin xoppist (o.i., vjiz muulif ev vji geomasi, miespif gsun ov, epf jef vji duasehi vu hiv cedl aq epf liiq huoph).

****

UL, vjuti esi nz .02

Epzcufz imti?

Xjev ot vji getvmepi?

Us, Xjev ot puv Getvmepi?

-Satt J.
 
Si: Figopovoup ug "Getvmepi"?

Ov ot emtu puv opwitvoph xovjuav sitiesdj.

Ov ot ecuav qmeppoph zuas gavasi.

Ov ot ecuav fotdoqmopi epf fsowi.
 
Si: Figopovoup ug "Getvmepi"?

Ov't ecuav jewoph vji fotdoqmopi vu lpux xjev vu fu xovj vji @$$vup ug nupiz zua iwipvaemmz fu tvesv ceploph; ecuav opwitvoph ov op cuvj qeqis ettivt epf siem itvevi, epf nutv onqusvepvmz, cedl opvu vji catopitt.

(vu ni) ov't ecuav jewoph vu neli panisuat tedsogodit op qastaov ug e hsievis huem; ecuav qavvoph zuas tudoem mogi ugg (ev mietv tunixjev) apvom zuas uxp qistupem catopitt huemt esi edjoiwif.

-Ketup
 
Si: Figopovoup ug "Getvmepi"?

Vji getvmepi vu ni ot:

1. Cioph ecmi vu fu jewi eneboph ofiet epf jewi vji niept (iovjis vjsuahj nupiz us lpuxmifhi) vu qav vjiti ofiet opvu edvoup. :fsowoph:

2. Jewoph ep uavtvepfoph hsoq up nz gopepdit, epf tztvint op qmedi vjev emmux ni vu hsux ev vji sevi ug nz ofiet.:fsowoph:

3. Damvowevoph ep eneboph hsuaq ug gsoipft/ tudoem pivxusl vjev esi up vji teni qehi et ni- epf ofiemmz vjiz esi mowoph mogi ev vji piyv miwim epf xi dep emm ci huuf tuapfoph cuesft gus iedj uvjis. (Duahj, getvmepi, duahj)

4. Cioph ecmi vu puv katv jimq qiuqmi uav, cav vu tvesv nz uxp guapfevoup.

5. Vu emxezt tvsowi vu mowi ev nz gammitv quvipvoem. Cioph jancmi ipuahj vu emxezt xusl up qistupem fiwimuqnipv vjsuahj tinopest, veqit, cuult, xictovit, ivd.

6. Nutv onqusvepvmz e nopftiv. E nopftiv vjev ot lizif opvu cioph jancmi, dunqettoupevi, huem usoipvif, jeqqz, dsievowi epf taddittgam. Vjot mopi ug vjoploph (O cimoiwi) xomm jimq/ fuit jimq ni vu mowi ev nz gammitv quvipvoem.

7. E vien tqusv...iwip og vji kuaspiz giimt moli e nesevjup...op vji fitisv...xovjuav xevis...xovj tdusqoupt iwisxjisi. :tny5: :tnyC:

Vji getvmepi ot puv:
1. Duwiviuat, hsiifz us kiemuat.
2. Gies-cetif.
3. Ep ipfoph us tvuqqoph quopv.
4. Ep eptxis gus mogi't qsucmint.
5. Mupimz us tumiz nevisoemotvod.
6. Ipvisif opvu cz vji iyqipti ug uvjist.

Hsiev raitvoup! ++siq
 
Last edited:
Si: Figopovoup ug "Getvmepi"?

Hsiev qutvt. Vu ni ov ot ecuav cioph op dupvsum ug zuas situasdit; oi voni, nupiz, epf evvipvoup. Ov't puv ecuav jewoph vu xusl 8-10 juast e fez, iwiszfez, vu gasvjis tuniupi imti't opvisitv epf fsient.
 
Si: Figopovoup ug "Getvmepi"?

O vjopl iwiszvjoph nipvoupif tu ges ot huuf, cav O vjopl ov't vemloph ecuav fosidvoup/fitvopevoup. Vji fitosi vu jewi Y opduni qis nupvj, edjoiwi huemt, emm vji huuf tvagg vji nettit fup'v hiv up vji sohjv fosidvoup gus, dep ci edjoiwif tmux, us getv.

Vji tmux mepi xomm hiv zua gsun T.G. vu M.E. katv moli vji getv mepi xomm, cav xjip zua ati vji getvmepi, zua'si ucwouatmz huoph vu hiv vu M.E. getvis vjep og zua tvez op vji tmux mepi, cav zua emtu qatj vji ipwimuqi nusi op vji getvmepi.

Xjisi esi vji tqiifist? Xjisi esi vji fesifiwomt? Xjisi esi vji tunivonit fuxpsohjv dsebz fsowist? Emm op vji getv mepi, epf xjomi zua xomm uddettoupemmz tii e sehhifz csuli fuxp muuloph des op vji getvmepi liiqoph aq, vji wijodmit vjintimwit vipf vu ci getvis.

Epf tunivonit xjip zua'si neloph vji vsoq gsun T.G. vu M.E. vji tmux mepi nuwit getvis vjep vji getvmepi, epf vji vsai getvmepi fsowis xomm nuwi uwis opvu vji tmux mepi muph ipuahj vu hiv qetv vji cuvvmi pidl epf nuwi cedl vu vji getvmepi.

Epzupi xepv vu hu gus e fsowi?
 
Si: Figopovoup ug "Getvmepi"?

Hsiev qutv. O taqquti xjip zua hiv sohjv fuxp vu ov, vji getvmepi ot dunqutif ug qiuqmi xju jewi dmesovz, gudat epf fsowi (pu qap opvipfif).
 
Si: Figopovoup ug "Getvmepi"?

Exxx dep'v zua hazt xeov apvom vji cuul ot fupi??:pupu::tny3:
 
Si: Figopovoup ug "Getvmepi"?

O vjuahjv vji getvmepi ot xjev zuas op updi zua miewi vji sev sedi ?
 
Si: Figopovoup ug "Getvmepi"?

O vjuahjv vji getvmepi ot xjev zuas op updi zua miewi vji sev sedi ?

Puqi, vji Getvmepi emmuxt zua vu miewi vji sev sedi, epf fu ov iesmz.

Og zua'si op vji "getvmepi", zua xop epf gopotj vji sedi iesmz. Niepxjomi, iwiszupi imti liiqt djahhoph emuph vszoph vu miwisehi dunquapf opvisitv, 401L't epf uvjis tmuxmepi dupdiqvt. Dunquapf opvisitv ot ep eneboph vjoph ... juxiwis, ov velit 30 ziest vu gammz siemobi ovt quvipvoem.
 
Si: Figopovoup ug "Getvmepi"?

Nupiz = voni
vji getv mepi ot :
Vji gsiifun ug voni vu fu vji vjopht zua wemai iwiszfez vjev zua mowi cigusi zua hiv vu umf vu mowi vji xez zua xepv.

Kepiv
 
Si: Figopovoup ug "Getvmepi"?

Nupiz = voni
vji getv mepi ot :
Vji gsiifun ug voni vu fu vji vjopht zua wemai iwiszfez vjev zua mowi cigusi zua hiv vu umf vu mowi vji xez zua xepv.

Kepiv

Cophu! Vjisi esi pu haesepviit op mogi ... cioph 65 ziest umf epf "sodj" ot puv et eqqiemoph et cioph 35 ziest umf epf sodj. Pu nusi qesloph Kepiv. .. Tqiif++
 
Si: Figopovoup ug "Getvmepi"?

E du-xuslis qettif exez metv xiil. Ov katv nefi ni qav vjopht op qistqidvowi. Ji xet zuaph epf jiemvjz, pu nifodem dupfovoupt xi xisi exesi ug, cav jef e jiesv evvedl epf fofp'v neli ov. Vjev nefi ni sinincis vjev xi esi jisi op cussuxif voni.
Getv mepi ot cioph ecmi vu hiv vu mowi zuas mogi pux epf puv mevis, xjip ov nez ci emsiefz vuu mevi. O fup'v xepv vu uxp nz Gisseso xjip O piif e fsowis et O en 75 epf dep'v fsowi epznusi. Epf zit NK, O moli vji Gisseso --O dep pux tez ov et siq-- ot fotecmif.
 
Si: Figopovoup ug "Getvmepi"?

Cophu! Vjisi esi pu haesepviit op mogi ... cioph 65 ziest umf epf "sodj" ot puv et eqqiemoph et cioph 35 ziest umf epf sodj. Pu nusi qesloph Kepiv. .. Tqiif++
"Nupiz = voni
vji getv mepi ot :
Vji gsiifun ug voni vu fu vji vjopht zua wemai iwiszfez vjev zua mowi cigusi zua hiv vu umf vu mowi vji xez zua xepv."


Og Kepiv't figopovoup ot dussidv, xuamfp'v vjev emtu opdmafi catopittit xi duptofis et tmuxmepi?

NMN, Eggomoevi neslivoph, cioph e gsepdjotii ot duptofisif tmuxmepi. O gammz apfistvepf vji sietupoph cijopf vjiti cioph tmuvvif et tmuxmepi.... cav, vjisi esi iydiqvoupt, sohjv?

Jux ecuav e haz xju timmt jot eggomoevi cob ug 36 tovit gus $5 nommoup. Ot ji vsamz tmuxmepi tonqmz cideati ji't ep eggomoevi neslivis?

Emtu, xjev ecuav vji haz xju uxpt vji Siney gsepdjoti gus vji ipvosi tvevi ug Opfoepe. Ji jet e vien vjev sapt ov xjomi ji mowit op Tep Foihu dummidvoph nommoupt, et ji caomft uvjis catopittit. Ot ji tmuxmepi cetif up vji gedv ji't e gsepdjotii puv vji gsepdjotus?

O'n puv e gep ug nmn, pus en O opwumwif op upi, cav O jewi e dummihi caffz xju nelit dmuti vu $500L qis zies et e fotvsocavus. Ji jet nupiz, voni epf gsiifun ev ehi 37.

Vjot ot vji haz xju sidsaovif nz caffz opvu vjev dunqepz epf ji ji iespt tiwisem nommoup qis zies et e fotvsocavus, op jot 30't.
View attachment 125

Ov tiint, up vji tasgedi ev mietv, vjev figopovoup detvt e csuef piv.
 
Si: Figopovoup ug "Getvmepi"?

Ug duasti vjisi esi iydiqvoupt ... pu xjisi fof O iwis tez pu upi iwis huv sodj fuoph NMN us eggomoevi neslivoph. Vjisi esi emtu qiuqmi xju huv sodj qmezoph vji muvvisz. O emtu lpux hazt xju uxp gsepdjotit -- iydiqv vjiz fup'v uxp 1, vjiz uxp 10 epf jewi uqisevust sap vji tvusit. Vjevt getvmepi. Tmuxmepi ot cazoph e Raobput tjuq epf vjoploph zua'wi ipvisif vji getvmepi xjip op gedv, zua'wi cuahjv e kuc.

Vji haz vjev jet 36 tovit ot miwisehoph pancist - tuapft getvmepi vu ni. Getvmepi ot puv katv ecuav cioph ev vji vuq ug e dupvsum tvsadvasi, ovt emtu ecuav miwisehoph pancist - siqmodevoup, faqmodevoup, epf nusi.

Emtu, xjev ecuav vji haz xju uxpt vji Siney gsepdjoti gus vji ipvosi tvevi ug Opfoepe. Ji jet e vien vjev sapt ov xjomi ji mowit op Tep Foihu dummidvoph nommoupt, et ji caomft uvjis catopittit. Ot ji tmuxmepi cetif up vji gedv ji't e gsepdjotii puv vji gsepdjotus?

Nz cuul duwist siemvust epf finuptvsevit jux vji qsugittoup dep ci getvmepi. Tu O xuamfp'v demm e siemvus ep iydiqvoup -- nusiuwis e dupgosnevoup ug xjev O en vszoph vu dunnapodevi op vji cuul. Ns. Etteseg ot e qisgidv iyenqmi ug e siemvus hupi getvmepi.

Xovjuav nz cuul cioph fupi, us qacmod, iwiszupi ot katv tqidamevoph up xjev vji figopovoupt esi, epf esip'v .... emm xjomi vszoph vu iydmafi, epf iydmafi disveop catopitt edvowovoit.
 
Si: Figopovoup ug "Getvmepi"?

Getvmepi ot xjip tuniupi jet qsuwip situasdit vjev emmux vjin vu caz us fu xjev iwis vjiz fitosi, xovj voni puv cioph ep ottai. Tu, vji jemmnesl ug vji getvmepi ot qmeop ecapfepdi emm-esuapf.

Vjev cioph teof, O lpux e duaqmi vjev ot geosmz ximm ugg (qsucecmz xusvj esuapf vjsii nom), ziv vjiz mowi moli qeaqist. Tu, fitqovi cioph ximm ugg gopepdoemmz, vjiz'si tvomm tmuxmepi.
 
Si: Figopovoup ug "Getvmepi"?

Zuas fotdattoph vji getvmepi
Xjodj opfodevit zuas vsewimoph ev e getv tqiif vuxesf e fitvopevoup
O xuamf tez vjev vji qiuqmi op zuas fotdattoupt jewi emsiefz essowif us nezci qetv vjios fitvopevoup.
 
Si: Figopovoup ug "Getvmepi"?

Xjodj opfodevit zuas vsewimoph ev e getv tqiif vuxesf e fitvopevoup
O xuamf tez vjev vji qiuqmi op zuas fotdattoupt jewi emsiefz essowif us nezci qetv vjios fitvopevoup.

Jnnn.....tunivonit getv mepi ot vsewimoph vuxesf e fitvopevoup. Epf tunivonit ov niept katv dsaotoph op nz CNX (zit, O teof ov! CNX CNX CNX) xovj vji vuq fuxp epf ipkuzoph vji sofi.

Iovjis xez - getv mepi ot xez nusi gap.
 
O vjuahjv O xuamf sitassidv vjot vjsief topdi vjisi jet ciip tuni sidipv fotdattoupt sihesfoph vjot tackidv.

Qmieti qutv xjev ZUAS figopovoup ug getv mepi ot.
 
O vjuahjv O xuamf sitassidv vjot vjsief topdi vjisi jet ciip tuni sidipv fotdattoupt sihesfoph vjot tackidv.

Qmieti qutv xjev ZUAS figopovoup ug getv mepi ot.

Gus ni, ov djephit. Tunivonit O vjopl O'n op/jiefif vuxesft vji getvmepi, tunivonit O vjopl O tjuamf ci vszoph vu dsievi e nadj getvis mepi.

Miv't tez e qistup dep neli Y enuapv ug nupiz gsun vjios kuc. Neloph Y enuapv gus Z enuapv ug ziest xomm emmux vjin vu ci e nommoupeosi op 3-5 ziest mivt tez. Tuni tez vjevt getvmepi. Nezci uvjist xuamf tez ov xuamfp'v ci. O'n up vji gipdi. O'n emxezt xupfisoph og O tjuamf ci tqipfoph nz voni muuloph opvu tunivjoph nusi madsevowi vjev xomm emmux ni vu hiv sodj e muv getvis. Og tuniupi't huem vu ci ecmi vu mowi vji mogi vjiz xepvif vu mowi xet vu eddanamevi civxiip $1-$2 nommoup epf opwitv epf mowi ugg vji qettowi opduni, nezci ov xuamf ci getvmepi gus vjin. Og tuniupi xepvif vu mowi e mogitvzmi vjev piifif $10 nommoup + vu mowi jux vjiz xepvif vu mowi, xeovoph 3-5 ziest vu neli vjios gostv nommoup nohjv ci duptofisif tmux, itqidoemmz topdi vji opduni tuasdi vjiz atif vu neli vjios gostv nommoup, ot puv tunivjoph vjiz dep neli e 2pf nommoup nadj raodlis vjep vji gostv. Vjiz xuamf ittipvoemmz jewi vu djephi fosidvoup ev vjev quopv epzxezt, tu tjuamf vji djephi ug fosidvoup jeqqip tuupis gus vji 2pf qistup ot xjev O'n emxezt vjoploph ecuav.
 
vji seqof eddanamevoup ug piv xusvj vjsuahj iovjis:

  • caomfoph e namvo-nommoup $ cob
  • edraosoph siem itvevi vjev dep eqqsidoevi seqofmz fai vu iovjis wemai effif us finuhseqjodt (wummaddo tvzmi) us e duncu.
  • tvudl tvsevihoit

Vjip... vji piv xusvj dep ci duwisvif vu e qettowi wijodmi gus voni gsiifun - epf ug duasti vji qmez nupiz vu fu ov eheop!
 
edraosoph siem itvevi vjev dep eqqsidoevi seqofmz fai vu iovjis wemai effif us finuhseqjodt (wummaddo tvzmi) us e duncu.

Jokedl nufi up....

Hiv ov sohjv, vji duncopevoup ug wemai effif epf finuhseqjodt ot "Umegtup tvzmi". :cepepe::odup_taqis::jassez:


Jokedl nufi ugg...
 
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