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Thanks yep married to same wife for 51 years too so not one who changes major things Often lolololol. Got lucky had several different career directions with same company. I owe them a big thinks for many things but the long hours and redos to accommodate the boss’s ideas wore me down 5 years earlier than plan.
38 years of retirement contribution growth would make it hard to put up with even the most insignificant things about work… worked out nicely for you, being able to walk away sooner than planned
Until pretty recently, no one ever gave me financial advice, and therein lies a problem. Finances were never discussed in my family or peers growing up. I really knew nothing about how to manage money. By hook or by crook, I somehow managed to pay for my own college education, but money was squeaky tight then. I didn't have a high-paying career, so money continued to be tight most of my adult working life. When you live mostly in survival mode, you really don't think much about what to do with your money, nor think much about retirement - that's a "rich person's" concern. Or so I thought.
I suppose the first time I actually sought out financial advice was about 15-ish years ago. I was working in my garage with the radio playing and heard Dave Ramsey's show. People were calling in asking questions and I figured, why not? I wanted to hear his view on renting vs. owning. He answered on the 2nd ring and then I was live! After that, I began really looking around for information on money management, realizing that I was getting a late start, I finally snapped to the fact that the clock was ticking louder and louder. My knight in shining armor hadn't shown up to rescue me, so I figured it was gonna be all on me and I'd better get busy figuring it all out. I found this forum and that's when I really began taking an active interest in money and investing, and found that I actually enjoyed learning about it. Who knew??
So I guess I'd have to say that Dave Ramsey gave me my first financial advice - "owning is better than renting". It was good advice. To this day, it really astounds me that no one ever advised me about the importance of financial planning. Not at home. Not in school. Nowhere. Actually, I think I've done pretty well considering I've been living a fog of financial ignorance most of my life. I'm living proof that it's never too late to learn!
Until pretty recently, no one ever gave me financial advice, and therein lies a problem. Finances were never discussed in my family or peers growing up. I really knew nothing about how to manage money. By hook or by crook, I somehow managed to pay for my own college education, but money was squeaky tight then. I didn't have a high-paying career, so money continued to be tight most of my adult working life. When you live mostly in survival mode, you really don't think much about what to do with your money, nor think much about retirement - that's a "rich person's" concern. Or so I thought.
I suppose the first time I actually sought out financial advice was about 15-ish years ago. I was working in my garage with the radio playing and heard Dave Ramsey's show. People were calling in asking questions and I figured, why not? I wanted to hear his view on renting vs. owning. He answered on the 2nd ring and then I was live! After that, I began really looking around for information on money management, realizing that I was getting a late start, I finally snapped to the fact that the clock was ticking louder and louder. My knight in shining armor hadn't shown up to rescue me, so I figured it was gonna be all on me and I'd better get busy figuring it all out. I found this forum and that's when I really began taking an active interest in money and investing, and found that I actually enjoyed learning about it. Who knew??
So I guess I'd have to say that Dave Ramsey gave me my first financial advice - "owning is better than renting". It was good advice. To this day, it really astounds me that no one ever advised me about the importance of financial planning. Not at home. Not in school. Nowhere. Actually, I think I've done pretty well considering I've been living a fog of financial ignorance most of my life. I'm living proof that it's never too late to learn!
What an inspiring read, especially on a Friday morning! And kudos for the fantastic accomplishments!
I'm willing to be a lot of us may resemble this lack of personal finance knowledge/learning in our earlier years. I truly wish a personal finance/accounting class, and econ class would be required for every college degree.
My parents were and still remain, "hush-hush" on personal finance. I have taken the opposite approach with my children. My oldest just started the first job out of grad school, and the retirement accounts are set from paycheck #1 to be maxed out with high-growth ETFs! Yes! My youngest is still in undergrad, but already putting money into the Roth. Yes, again!
It's unfortunate for anyone to think this is true.
“It is impossible for a man to learn what he thinks he already knows.” ― Epictetus
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