FI gives you freedom to fill your days with whatever you desire. But becoming FI takes time and that does not go well with my lack of patience. People around me buy nice stuff. I have ETFs and an empty fridge. Where is my freaking reward after doing everything by the FI rule book for 5 years!?
I lived abroad and traveled the world. It was awesome. After being well in my 30s I settled down. I finally started doing everything by the book. Not my book but most peoples book. We got jobs, bought a house and are proud parents. We paid off a substantial chunk of the mortgage. We make good money, spend mindfully and invest what is left. Above all; everyone is healthy.
Geldnerd recently made an awesome tool which confirmed my own back-of-the-envelop calculations. Ten more years and I can walk out of my office and never look back. At the tender age of 52. Not bad at all. We both work four days. Every Friday is already a partime, pre-pension day for me. My job offers a great DC pension with low costs. The math is clear; I should just sit it out for ten more years.
I don't like my job. Not this one in particular. I have nice colleagues and the projects are interesting. I probably will not like any job where I sit behind a computer in a company where the only goal is more profit. Ruled by computer systems that say no when common sense says yes. I would love to walk out now and start my own business. Maybe in the same field, maybe not. But my mind is stopping me from doing that, see above.
How is this fair? Once people find the FI concept you cannot expect them to hang around in their jobs for a few more decades! We have better things to do. We could make a real difference to the world instead of working!
Everyone is raving about compounding but it has one big disadvantage. It takes forever. Five years into the FI journey and all I have to show for it is a number of ETFs on my computer screen. And the computer says no again when asked whether it is enough to quit.
I want it all and I want it now.