This will be my last blog post on this blog for a long time..possibly ever. It has been a very popular blog for many years and was necessary for me to think out things and process through some rough times in my life. The lessons and more than was put in it was and is important to those in those stages. However, I have a few reasons for my change.
First, I want to focus on meeting my goals for the next decade or so. That isn't going to happen right away and will not necessarily be public material. They say to hustle in private, and that is a part of it. Also, I want my private happiness to be ... private, reserved for the few that deserve to be included. I am going to list my life goals, below as a starting point and direction, and then I will head on my way with that.
Within a few months, I plan to start another blog that will be focused on investing and income growth, but I want to actually have money to DO those things, and it will take a few months to be setup and ready to do that. From this point in private and after that point publicly, my focus will be on money.
Why am I going to focus on money? Don't I feel you can be happy without money? While I DO believe true happiness comes from OTHER things than money, those things are often influenced by HAVING money. Even in romance, women want a prince or man with money that is willing to give up some of that money for them. But, to GIVE it to women, you first have to HAVE it and must MAINTAIN it. Men without money are deemed as losers or even a boy instead of a man looking for a mom to take care of them. They want a REAL man that can provide for them and care for them with gifts, as well. Outside of romance, there are events that you can do... sports, concerts, etc. However, THAT is also money dependent. Benjamin Franklin said...
"Sloth makes all things difficult, but industry all things easy."
"EMPLOY thy time well, if thou meanst to gain leisure."
and the Bible says..
"Behold that which I have seen: it is good and comely for one to east and to drink, and to enjoy the good of all his labor that he has taken under the sun all the days of his life, which God giveth him: for it is his portion. Every man also to whom God hath given riches and wealth and hath given him power to eat thereof and to take his portion and to rejoice in his labor; this is the gift of God." ECC 5:18-19
So, that's my plan. I may make annual updates on the blog about my status.
1. Pay off my student loans. The same program that I was going to use for teaching is available for state government employees, too... https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service ... in 10 years of service with payments made the rest of the debt is canceled.
2. Buy an inexpensive house. After two years on this job, I can use my veteran home loan to get a low interest rate loan on a home. As long as I keep it low cost homes, I should be able to keep it so that any payments would fit comfortably under social security, when I reach that point.
3. Pay off this car and get a newer car... doesn't need to be NEW new or on payments. It could be saved up and bought used.
4. After paying off my credit cards by Summer-Fall, begin putting away at least 100-150 per month in investments.
5. Buy new clothes, instead of using the same ones I have had for years. Buy a new computer, instead of this obsolete one. Buy a switch or gaming system. Buy hiking gear and begin hiking or camping one weekend per month.
6. Take vacations, every year.. even if only within the country.
7. Do more local activities within reason to enjoy my life, now... could be with someone else.
As I said, I will check back in annually to track progress. I do not intend to leave this job, so this will be my foundation. After I reach retirement age (62 or 65.. have not decided yet), I will have paid off or canceled student loans, will have begun living in and paying for a home, will have a car that I own, will have no credit cards, and will have a saved investment on which to continue to enjoy the rest of my remaining days.