While at CampFI this summer, I got more motivated to say Hell YES to the things that I want to do.  To take action and get going on the important items in my Don’t Forget List.  It is time to make my someday things a priority.

Goal is for 2027: to be Full Speed FI.

To be better and over-achieve, to do, I may consider starting 2027 early, right after CampFI Rocky Mount Colo in July. 

Why

Why not?  Why wait? 

Those are trite responses to my own section question, but they are real answers.  What is stopping me, or delaying me from saying Hell YES at this point in my life?  Why should I wait and defer some of these Hell YESSES?

We never know about our tomorrow.

We never know what possibilities lie ahead.  Maybe there great opportunities ahead, and it’s not just worrying about bad possibilities.  If you worry about the bad future possibilities, then that’s good reason to live now. 

How does the money play into Hell Yesses?  How do negative financial future possibilities calculate into present decisions?

I am, not at all planning for a “worst-case scenario.”  That is one of the reasons I think the “4% rule” of thumb is far too negative.  Even younger than the “30-year retirement period” normally calculated for.

I also do not plan, believe, or want to spend at the same exact starting inflation-adjusted amount from now until End of Plan.

I plan to spend more in MoJo and GoGo than in SloGo and NoGo.  I strive to spend more now while I have far more ability.  Small example: how many nice guitars do I need in old age when my fingers don’t move as well?  Example 2: I may still need my Marshall stack at old age if my hearing lessens.  I can always turn it up a little more to hear myself.

Intent

I intend to do more trips that I’ve been storing on the “in the future” list.

I intend to spend my (our) accumulated assets towards my values, my interests, and my opportunities.  Not just my, but our opportunities.

I intend to keep giving and rewarding those I see around my sphere who should receive a token of my notice and appreciation for what they’re doing or they’ve done.

Success Criteria

Have I started Full Speed FI?

F#@# YES! 

No question I’ve worked with my WifeInFIRE to implement some significant, amazing F#@#!t Bucket activity.

I calculated a ridiculous (to us) monthly spending target (based on our current and historical spending) for this phase of life (MoJo, GoGo). 

I’ve only calculated this new target ridiculous spend rate in my head, and it seems very realistic (I didn’t say “feasible”).  I still need to model it in my retirement calculators, of which there is many.

I felt a sense of freedom.  Not totally correct, because I always feel freedom.  I felt a strange sensation of spending at will on our Baltic and Norwegian cruise last month with the Slackers.  It turns out it was only a few hundred dollars more than we would have normally spent.  Inconsequential to us.  (Brandon the MadFientist, mentions their free spending year was only a slight increase as well)

I don’t know how that will play out. 

I am definitely going to try this plan.  At 56, I’m closer to 60 than 50.  That’s real.  I’m still “retiree young,” but not “young” per society.

I am also far older than my retirement age of 43.  I have lots of life, learning, wisdom, and account growth to use to our advantage.

Time

If you are one of the very few reading this, I hope you find something that will help you better your weeks, months, and years.

I recently updated my thinking of my “time value.”  I used to think, “hey, maybe my time is worth $1/minute, $60/hr.”  In the past few weeks, I’ve realized, based on our account valuations, that I want to calculate my time as $120/hr, $2/minute.

I am even thinking that when paying people to do things I don’t want to do, my value could be higher. 

What would you pay from your assets later in life to have an hour of time for yourself 20 or 30 years younger?  Well, right now is the future’s past time.

Be considerate of spending some of your resources now on this time, rather than waiting until 65, 75, 85, or older to look back and realize missed calculations and opportunities.

Your mileage (minutes) may vary based on your net worth ability.

If you are reading this, I spent a lot of my time, missed opportunities, and tasks typing these thoughts for you.  Honestly, if you get something to use for your future, then it’s worth it.  The multiplication effect.

Speed Up!

800 words

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.