Financial Independence One accountant’s journey to FIRE: 300k at 27 |
- One accountant’s journey to FIRE: 300k at 27
- From 10k to 500K in 6 Years (With Graph)
- Many people want to FIRE and "travel a lot". If you are one of those - how much money you're budgeting for that and how many weeks away from home you're hoping to spend every year?
- Does anyone else think they will just never make it?
- Daily FI discussion thread - May 01, 2019
- Does anybody else in this sub follow along with the FIRE way of life with a different purpose than early retirement?
- The beginning...
- Double my salary or stay where I am happy?
- Weekly Self-Promotion Thread - May 01, 2019
- does anyone else have financial “cheat days”? or cheat weeks...
- Why your house should not be considered a retirement fund - Barron's perspective
- How realistic is it for me to retire by 45 with these numbers?
- Fun Metric to Track for Spreadsheet Day
- Is there any reason to keep some cash in a regular savings account if I am not saving for something specific?
- Rent vs buy my house off market
- Question about state income taxes on traditional IRA withdrawals
- Tracking Roth contributions
- When do you use your HSA?
- Variable Withdrawal Rate Strategy
- FIRE in Malaysia or Singapore?
- What do you IT professionals do as a side hustle?
- Tracking Investments and Net Worth
| One accountant’s journey to FIRE: 300k at 27 Posted: 01 May 2019 03:36 AM PDT And I'm back! One year older, 100k net worthier, and not any wiser. I've kept my previous post mainly intact but have made changes in bolded italics. All mentions of currency are in CAD. About me Hi! I'm a 27F CPA living in Toronto, Canada***. I wanted to post this to show the non IT people in this sub that there are other careers where it's possible to increase net worth quickly despite not making 100k right out of school***. I've always been a saver but I discovered MMM in December 2015 (when I was 24). The realization I could retire at 35 really lit a fire under my ass to save even more and actually invest it. I was working through my CPA at a big 4 accounting firm at the time and hated every second of it. To be honest, accounting is boring and a 'meh' career at best, but the money is good so I will most likely stay on this path until I feel FI enough, if not actual FIRE. I live in the The privilege – My parents paid for 3 out of my 4 years of university. That's about 36k that I got for free which will never have to be repaid (I asked). That one year and for the 2 years I lived on campus I paid for myself through part time jobs before and during university. I also went back to live with my parents for one year rent free during my 6 years of working, which was a nice boost to my net worth during that time. Here are the numbers! The goals My spending goal in retirement for one person is $20,000-$30,000 per year (as part of a $40,000-$60,000 spend household). I expect my SO to pay their own way on this FIRE journey. The dream at the moment looks like one year on one year off long term slow travel, most likely for 5ish years of travel. On the off years, we could work, volunteer, whatever. These FIRE plans are not that defined because who knows what I'll feel like in 5-10 years. All else being equal (is it ever?) I expect to achieve the following net worth milestones at the following ages: Annual Spend (individual)
^the above does not account for market corrections/recessions. If one happens tomorrow obviously those ages will change. My flair is based on the first goal - $500k for 20k of spending at 4%. Is that going to be the number I FIRE at? Probably not, given the expectation of a low growth environment in the near future and my young age at the expected time. But it's a number that I would feel comfortable about enough to shift into something more chill. It's possible and even likely that I'll experience the golden handcuffs phenom and stay for a while past that though to feather the nest and add security. Future plan/goals – I have no interest in having children, which enables my fast FIRE journey and long term travel plans. I am also lukewarm towards real estate because of the very high property prices in Toronto as compared to rents, and my distaste at paying maintenance fees on condos .AKA if I buy; it has to be a freehold house, which makes homeownership an even more expensive proposition. While Canada is great, it's also possible that I will be OK with living somewhere else with single payer health care long term (I hate winter), so that's another reason buying is not high on the priority list. So we did buy a house… but it's a freehold! With a basement tenant unit! Income history and Net Worth I started my career at a big 4 accounting firm making 45k, then 50k the next year, then 60k the next. These are standard salaries for this job in my city – Toronto. During this time I was renting a place downtown with a roommate or SO. After leaving the firm my first job out was at 75k, and I moved to live with my parents for that year. Getting rid of rent was amazing for my net worth. Then I moved to a more interesting job that I thought I would love for 80k and started paying rent again. Now I'm still paying rent, but making 95k somewhere else***. Now I'm paying for half a mortgage.*** I do have access to a side hustle that I started participating in around 2016. It's very CPA specific and involves helping incoming CPAs get feedback for their practice exams in preparation for the qualification exams we have to write in this profession. I think I made <$2000 the first year I did it, but it grew steadily and I made $20,600 last year from this. My net worth started at -$10,000 on the day I graduated university in the summer of 2013. That debt was owed to my parents for a lavish long trip I took that summer which I repaid in my first year of working. No regrets. After I started working and saving, it began steadily going up. My records are spotty in the beginning, since I was just saving to save.
I reached the 100k milestone sometime in November 2016 at 24 years old, 3 years and 2 months after my first day of work.
I reached the 200k milestone sometime in April 2018 at 26 years old, 1 year and 5 months after 100k (4 years, 7 months after my first day of work). It definitely gets faster (especially if you have year of not paying rent!). All else equal and barring a downturn, I hope to achieve the 300k milestone around winter 2019. Depending on the side hustle this year and with my increased income, here's hoping for Dec 2018 instead of March 2019. Well that didn't work out, but that was mainly because of saving up for the house during the low market in the 2018 winter and the closing costs.
Why the big jumps toward the end there? Bonuses and side hustle money coming through (it comes in large chunks) and the tenant providing first and last helped as well. The 300k milestone was reached at the very end of April 2019, one year after 200k (5 years, 7 months after my first day of work). It's definitely getting easier and easier to amass more money as my income grows and the growth compounds due to the nest egg size. I'm hoping 400k comes around the same time next year. Side hustle should be around the same this year but we're planning a lavish vacation and some minor renovations. Monthly expenses This was a major point of contention last time I posted. No one believes I spend so little money but it is what it is folks. I've provided more detail this time since 2018 just wrapped up. For a millennial living in a huge high COL city, I don't spend a lot of money. This has enabled me to save a ton of money even on my previously medium salaries.
I walked to work more in 2018, we had much cheaper internet (we miss you Beanfield), and work continues to pay for my phone. Surprisingly a box of glass in the sky is cheaper to heat than a house, who knew. 2019 expenses to date (4 months)
Please keep in mind that these expenses are for myself only. My SO and I split household expenses and spend our own money on items like clothes or video games. I don't foresee our essentials spending increasing above what it currently is and the tenant is very helpful in reducing those costs to a level where it is cheaper to live in the house than our previous condo rental without taking into account future selling prices, etc. We did consult a rent vs buy calculator before purchasing and the house was still in the buy zone which is rare for Toronto. I foresee us staying here for around 5 years before flipping into a newer home and/or retiring to travel for a while depending on the circumstances. Investments My tax advantaged accounts are maxed out and self-managed through a DIY brokerage. My taxable contributions are split evenly between the same self-managed DIY brokerage and a robo advisor for shits and giggles. The robo advisor is winning at the moment, because I view my DIY brokerage holdings as a whole unit so my taxable account gets the brunt of the bonds (low rate environment). Now my net worth also includes my half of the home equity and some work provided RRSP (Canada's 401k) accounts. The DIY Portfolio is as follows: Cash: 6.6% (preference is 0%), should be way lower but I just haven't had the time to invest it due to work being busy. Bonds: 11.3% (preference is 5%), ZAG mostly. I'm meh about this allocation and am slowly reducing it through buying other things. This probably won't go down noticeably unless we hit a recession and I rebalance. REITs: 3.4% (preference is 2.5%), VRE mostly. Also meh about this allocation. This will go the way of the bonds when I need to rebalance if the market makes moves. Since I own a home now this is not required. Canadian dividend stocks: 5.8% (preference is 2%, my investing strategy used to be dividend based so this is a remaining position from then), CDZ. Canadian Market: 2.4% (preference is 2.5%),VCN US Market – hedged to CAD: 20.6% (preference is 25.5%),VUS/VSP US Market – unhedged: 21% (preference is 25.5%), VUN/VTI(n USD) International (both developed and developing) – unhedged: 28.7% (preference is 36.5%) XEF+XEC/VXUS(in USD) My robo advisor has split my investments as follows: Bonds: $20% Low carbon global stocks: 27% Canadian stocks: 23% Global stocks: 15% Cleantech stocks: 15% I'd love any advice on my allocations. I rebalance when I invest so it's a bit slow. Is there anything else you want to know? If this post is well received and the community feels it's useful, I'll make another one when I get to $400k. Edit: to note that i include my home equity in net worth since it's not a forever home and will be sold prior to retirement. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| From 10k to 500K in 6 Years (With Graph) Posted: 01 May 2019 05:27 AM PDT About six months after graduating college I started tracking every penny I spent. At that point I had around 30k. I had right around 10k after graduating due to some early investments in my Roth IRA and whatever paltry sum was in my checking account. The above graph is the culmination of my current financial situation. I'm still kicking myself for not starting this spreadsheet immediately after graduation but oh well, life happens. At any rate as the title says, this basically shows my (now both my wife and I's) journey to 500K and because I was so excited I wanted to share it with some folks who will actually appreciate it. While it's not as majestic a number as some of y'all's on here, I'm proud of it!. Below are a few basic answer to some questions that are bound to come in.
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| Does anyone else think they will just never make it? Posted: 01 May 2019 04:26 AM PDT I do my financial summary the beginning of the month and I am so far from FI that I just wonder sometimes if I should give up. I don't see myself ever being able to make it most days. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Daily FI discussion thread - May 01, 2019 Posted: 01 May 2019 01:09 AM PDT Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 01 May 2019 03:04 PM PDT Here's my story, why I follow this sub, and why I read so much about financial independence. Key data: 22M, 38% SR (VHCOL City), 70k NW Yearly spending: ~$42k I graduated high school in 2015 with a dream of working as a cinematographer in the film industry. I had already been making plenty of money as a camera man in my small town, knew there was plenty of money in the business, and that there was absolutely no need of a college degree to succeed in my industry. Fast forward four years, I've now been living in Toronto for 2 years, haven't done any formal education, working in the film industry. Made $80k last year, and should make $90-100k this year depending on how things go. Unfortunately I have to deal with the conundrum of either living in the city that I want to live in (not Toronto), or having the career of my dreams (in Toronto). I've put a lot of thought into this and have decided that I'd rather have the lifestyle / city of my choosing. I use the content of this sub to help me get to a place where I have enough liquid capital that I can transition into operating a business closer to my hometown. Preferably multiple businesses, real estate investment, etc. I'm trying to build a life that I can operate on my own terms, because no other field really interests me than my own. I'm hoping to hit $175k-200k NW by 25, then to use some of that capital to get into some form of business (TBD, possibly service based). I already own some cashflow generating assets that will spin off about $20k in income this year, but due to changing technology etc., won't be able to create the same return year over year. I've really enjoyed reading everyone's posts in this community and I hope you all enjoy a different perspective on the whole thing! Maybe I'll choose early retirement later down the line when I'm on track with my second career! Anyone else in a similar boat? Any advice for me based on my current situation? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 01 May 2019 02:59 PM PDT Hello all, I discovered the concept and community around FI about 4 months ago and as of last week have finally developed a clear and realistic path for my own journey! My fiance and I currently hold ~$50k in debt between 2 vehicles and student loans. Our combined monthly net is around $7k depending on how much overtime I work. We currently have only $4k in a 2.25% APY savings account and $32k in my 401k but we have designed a budget that will allow us to come up with $20k for a down payment for a home by January 2020, an additional $27k emergency fund by the time our lease is up next August, have both of our cars paid off by next October and our school loans eliminated in late 2021. We will also have an extra ~$28k for our wedding next autumn. Once all that is said and done our only debt will be our home so we will be in saving city until we have enough to invest! If you made it this far, i'm only posting this because I am MEGA pumped about it and I want to share with likeminded folks. Any questions or advice is extremely welcome as I am all in for FIRE and want to learn and optimize as much as possible! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Double my salary or stay where I am happy? Posted: 01 May 2019 02:32 PM PDT I make $65,000 a year at a company that I love working for. Great benefits, cool co-workers, boss does not micromanage, and i'm overall very happy with my life. They know i'm in the lower end of my salary band and have made attempts to bring my salary up with a 5% and a 10% raise. Which is awesome, given that this is a large corporate environment where most people get 2-3%. Additionally, I am planned for a promotion this year which can yield an even bigger bump towards 80-85k range (sometime in December/January, but obviously nothing is guaranteed). However, I have another opportunity that is offering 115k right now. Taking the higher salary may be a no-brainer for some, my dad included. I just wonder if happiness is more important than the money. I'm concerned that the grass might not be greener on the other side and chasing the money will leave me with regret. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Weekly Self-Promotion Thread - May 01, 2019 Posted: 01 May 2019 01:09 AM PDT Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely. Link-only posts will be removed. Put some effort into it. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| does anyone else have financial “cheat days”? or cheat weeks... Posted: 01 May 2019 09:39 AM PDT i'm a recent graduate (23F) and have been at my first real job for less than three months. i'm pretty aggressive with my savings rate (65-70%) and i work a second job on the weekends. however, after finals last week i was feeling pretty burnt out. i skipped meal prepping for the week and made a couple plans to hang out with friends. before i knew it, this week has started to look like $10/day on lunch and another $30+ on social dinners/happy hours, as well as a trip to chicago this weekend. i'm lucky that i can afford it without dipping into savings, but it felt much needed. does anyone else do this sometimes? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Why your house should not be considered a retirement fund - Barron's perspective Posted: 30 Apr 2019 07:07 PM PDT https://www.barrons.com/articles/home-equity-retirement-51556590691 This article is one person's opinion on a subject frequently brought up in this forum - whether to count your house as part of the nest egg you will withdraw from. Their perspective is pretty quickly laid out with the phrase "you can't eat your house one sandwich at a time." I don't agree with it entirely but I concede the logic of the point. What is more interesting is the discussion of SWR's and the idea that figuring out and making withdrawals is like creating and running your own annuity for yourself. Which is obvious, I suppose. For anyone who is wondering what to tell curious people about their early retirement, you can just say "Oh I run an annuity fund." [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| How realistic is it for me to retire by 45 with these numbers? Posted: 01 May 2019 02:59 PM PDT Annual income currently 135k Age 26 No loans Currently single Plan on eventually getting married hopefully If I invest 2.5-3k/ month into retirement account like vanguard SPY plus max our Roth IRA Contributions Would I be possibly able to retire or partially retire (work only part time) at around age 45? I know it's hard to answer, but just trying to eyeball a goal for myself, Thank you [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fun Metric to Track for Spreadsheet Day Posted: 30 Apr 2019 05:13 PM PDT Doing my end of month net worth spreadsheeting and hit a neat milestone: my "Monthly Savings Rate Needed to Hit FIRE" is now negative! In my spreadsheet I have cells for the following:
And then I have a row for each month where I track my, among other things, the date (e.g., 4/30/19) and my current net worth. Given those inputs, I calculate the amount I would need to add each month (on average) between now and RE in order to reach my desired net worth as of my desired RE date. The formula I use, in Google Sheets, is: Where RowDate is the date on the row that represents my data at the end of the month (e.g., 4/30/19) and RowNW is my net worth at the end of the month. What's exciting (for me) is that this is the first time since I started tracking these numbers a few years ago that the amount I needed to save each month to reach FIRE by my desired date is negative. If I wanted, I could live like most Americans and spend every penny of my paycheck and I'd still reach RE by my desired date just from the appreciation of my existing accounts. Of course, this could all change next month if the market takes a downturn, and these numbers change if I adjust my presumptions (like raising or lowering my SWR or expected rate of return) but for now I'll take this mini-victory. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 01 May 2019 12:06 PM PDT Hi FIRE community, quick question from someone just starting out. I'm wondering if there is any good reason to keep cash in a regular savings account, or if I should just keep all my "savings" in my investment accounts. I have a regular savings account with my bank that has about $2k in it, and I am not saving for anything specific (travel, car, etc ). My FIRE brain just wants to put it in with my investment accounts and do away with the savings account altogether, but is it a good idea to just have cash that's immediately available in case of emergency? I'm thinking if I somehow did need a lump of money immediately (aka can't wait a few days for the transfer from my investment account) I could just use my credit card temporarily then pay it off. Trying to think of scenarios where I would truly need instant cash and I can't... And I know that money would be better off in with my investments. What do you all do? Thanks! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rent vs buy my house off market Posted: 01 May 2019 11:46 AM PDT Hey not sure if this is the appropriate subreddit, please advise if not. I have the opportunity to purchase the 4bd / 3 bath home I've been living in for the last 6 years. I'm looking to for advice on whether I'm over extending myself and sacrificing FIRE as a result. Here are some details: Me:
Income:
Savings:
Housing:
There are non-financial reasons for me to buy this house. Since I have lived here for 6 years, I know my neighbors and know the area is near perfect for me. It's always been a dream to own my own house and I enjoy the upkeep and small projects. I don't want to sacrifice the FIRE journey however. Will I be shooting myself in my financial foot by buying this house? Thanks for reading [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Question about state income taxes on traditional IRA withdrawals Posted: 01 May 2019 11:14 AM PDT In my state, any income earned in this state is subject to state income tax, regardless of where you live. With that in mind, my question is about state income taxes on withdrawals from a traditional IRA. All the contributions to the IRA have been shielded from state income tax. If I relocate to another state that does not have an income tax before making withdrawals, can I avoid paying income tax (based on my new state residency) or will I still owe income tax to the state in which the income was earned? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 01 May 2019 09:10 AM PDT How does everyone track their Roth contributions to be able to withdraw them prior to 59.5? I recently rolled over an old employer Roth 401k into my first ever and brand new Roth IRA. The account doesn't show what I contributed versus what is growth, is that something I must track on my own? Does this ever get reported? How does the IRS know if I withdraw contributions versus growth? I'm not currently funding my Roth IRA due to the income cap and I am not contributing to a Roth 401k either. I do anticipate at some point contributing to the Roth IRA again and would like to know how do I go about withdrawing that money when the time comes. Do I simply sell shares and withdraw up to my contribution amount? I imagine this is reported to the IRS. When withdrawing money, specifically conversions using the first in first out rule, what does this actually mean besides knowing which contribution dollar to check off the list? I don't anticipate tracking which rollover dollar purchased which specific share of a stock. If I have $10k of a stock, and 50% of that is growth, am I able to simply sell and cashout 50% as my contribution and leave the earning in to continue growing? The order of withdrawal is:
Thanks in advance, my searches didn't yield much specific information on the subject. Apologies in advance for any confusing terminology or non-linear thought processes. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 01 May 2019 09:58 AM PDT I max my HSA each year and invest a big part of it in the market. Is there a rule of thumb that FI'ers follow for when to actually use the funds in it for medical expenses? I'm also wondering at what point does it make sense to go away from a high deductible health plan to something like an HMO; do people starting families still stay on HDHPs? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Variable Withdrawal Rate Strategy Posted: 01 May 2019 08:39 AM PDT I've been a lurker on this sub for a while and have seen a few discussions around variable withdrawal rates vs. the typical 4% adjusted for inflation that's the norm. Wanted to run what I plan to do by you all because it's slightly different from what I've seen discussed. The plan: Each quarter you would withdraw 1% of your total portfolio value. Regardless of how much it went up or down. If the market performs poorly, you need to get creative with cuts to the budget or pick up a part time job if it goes on for a while. Example: Retire with 1 million. 2020 Q1: withdraw 1% ($10,000) New balance: 990,000 2% growth during Q1 New balance: 1,009,800 2020 Q2: withdraw 1% ($10,098) ... hopefully you get the idea Does it make sense to do it this way if you have some flexibility in your budget? I think most people here have some fat they can trim during lean times and it would help ease anxiety related to possibly withdrawing too much early on if there's a market downturn. Thanks is advance. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| FIRE in Malaysia or Singapore? Posted: 30 Apr 2019 08:18 PM PDT I believe most of the contributions here are relevant to people from the States. Just wondering if there's anyone from Malaysia or Singapore practising FIRE and how your journey has been? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| What do you IT professionals do as a side hustle? Posted: 01 May 2019 07:47 AM PDT I want to make extra money on the side to throw into my savings to help me FIRE. I recently got my company to pay for both my CISA and my CISSP. I considered studying for both of those as my side hustle at the time being but now that I have them both I'm curious if anyone in here has used those certs to side hustle. I do IT Assurance (audit) but would love to do something for ~15 hours a week. Thanks! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tracking Investments and Net Worth Posted: 01 May 2019 06:18 AM PDT Hi all, im starting my journey towards financial independence and looking for advice/standard format spreadsheet of some type to help me with this. Does anyone have a link to one of these or do you pretty much build your own? [link] [comments]  |
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