So it turns out money nerds like hanging out with other money nerds.  It’s like the cool club, but only if you know about it.  I’ve only been to the small-scale gatherings and medium-scale gatherings of this type.  I’ve never been to the granddaddy of FI gatherings.

SMALL GATHERINGS are what I consider local meetups.  They are usually a few hours of your time, possibly up to an hour’s drive away and a load of information.

I’ve been to both ChooseFI local meetups as well as Boglehead local meetups.  (Note: I’ve also been to a sleazy “financial planning education” employment meetings). 

• ChooseFI local meetups are great.  You get to meet people who live in your area—or are visiting your area—and talk about money topics from the beginning of a financial journey through much later stages of one’s financial journey.  There are people of all ages, places on the financial timeline, different net worths, and different interests.  To me, it seems to always be a very open discussion, and even quite personal at times with people who are very new friendlys.
• Boglehead local meetings tend to be different.  The meetings I’ve attended are on Monday afternoons and seem to be attended by people who are farther along the personal finance path (i.e. older or retired).  The discussions are quite different in that they tend to be more towards safely/wisely spending your accumulated resources, rather than accumulating resources.

LARGE SCALE GATHERINGS seem more like EconoME or the Financial Freedom Summit idea.  I have not attended either of these yet.  Timing and Topics of interest seem a little different than my current position on the financial journey.  However, I know there are all types of sessions and even more types of people attending that these gatherings would be very interesting.

These are large conference-like settings that aim for 1000+ attendees over the course of a weekend.  There seems to be a presentation-driven structure quite similar to FinCon for the” content creator” folks.

The BIG TIME GATHERING to me is Chautauqua, an entire week set aside for nerds to gather in far off, far-flung locations.  It’s a small group of a few dozen people who have the opportunity to talk deeply about their lives and how being financially sound makes dreams come true.  Well, that’s how I imagine financial intention/success.  I know several  people who’ve been to Chautauqua and every one of them loved it.

Well, what if an entire week on another continent is not possible?  Wouldn’t it be cool if there was a similar version that’s closer, shorter, and with varying levels of FI?  CampFI is like a Minitauqua (I assume)…

MEDIUM GATHERINGS are what I consider to be CampFI weekends.  These are the regional gatherings where people may travel across the country, or even from other countries, to hang out with other money nerds for 4 days over a long weekend.  These are often based around holiday weekends.

Instead of re-hashing my CampFi thoughts, I’ve linked some posts about my amazing experiences at a couple of the CampFI’s I’ve attended.

CampFI Southwest 2018 – CampFI…Mind Blown

CampFI Mid-Atlantic 2019 – Power Center CampFI

CampFI Southwest 2019 – Your Friends…Your Future

CampFI Southwest 2021 – It just keeps getting better

I’ve been to other CampFI’s but I must not have written about them or my search is lacking. I started going in my late 40’s and continued into my 50’s. It’s an amazing weekend that continues to make me better.

Note: I’ve signed up for CampFI MidWest Minn 2022 Labor Day weekend so I can spend time with my intelligent, like-minded, and fun cohorts.

*** 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.

I’m still thinking about life.   I’m thinking about chunks of time.  I think decades seem to be a logical chunk of life-time even though planning 3, 5, 7-year chunks seems easier to plan for. 

So here I go with more random thoughts:

At 25, maybe you were working a good job.  Your life was rolling along.  You had things figured out. 

15

Think back 10 years earlier when you were 15.  You knew a lot about life at 15.  You were well into high school.  You had friends who were or were almost 18, practically adults, maybe even 18, and full-on official adults.  You were able to talk with them intelligently, geez you were almost a legal adult yourself, almost.  You knew things!

25

Now back at 25, you have lived thousands more days since 15.  You’ve had so many more experiences and lessons since you were 15.  You are truly an adult—living an adulting life—being a productive member of society…you really do have things figured out, now.

35

Now think about being 35.  Whoa, there’s so much more you’ve experienced than by the time you were 25.  This is really the adult phase of life.  You’re in the middle, the mist of “30 something.”  It’s almost unbelievable how long ago school was.  How long ago it has been since you knew so much at 15, or even 25.

55, 65, 75, 85, ??

While it’s great to be smart and aware of the things around you at each age— giving you a great perspective on life—do not for one second of your thousands of days in the past and believe you have more figured out than an older person.

While I’m not sure if the knowledge growth rate/curve is so steep into 45, 55, or 65, there is no doubt the experience(s) add(s) up.  The experiences of adult life will differ from youthful experiences.  It’s possible some of the adult experiences may duplicate those of your past but you handle the issue in a different way.  It may be possible that you handle a similar issue in the same way and realize it was incorrect decision/action BOTH times.  That’s life.  We make mistakes, we learn from mistakes, and it may take a few tries at the same mistake to get it right/better.  “Be better”

Spock

It’s not easy to learn from all our mistakes, and extremely hard to learn from other’s mistakes unless we’re very thoughtful and logical in our processing, but remember, Spock was an alien from Vulcan and most of us do not have the DNA (he has DNA right?) to be “only logical” in all decision making.

People

I always find much to learn from people, as long as I’m paying attention.  The learning is often from people older than me or more experienced in areas, but it can also be a younger person with more experience, or insight, in an area, or many areas.   [I’m thinking of a future post idea now, brilliant]

Before you think “OK Boomer,” it may be wiser to think “hmmm, Boomer may have experiences I don’t.”  I guess it’s also the same that older people have not experienced life/adolescence the way a young person has.  There’s plenty to learn with another decade of experiences.

*** 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.

Sometimes my head just starts thinking.  This thinking can head down many paths, and frequently calculations are involved.  I don’t know why, they just are. 

In one recent brainwave activity pattern, I realized that one day you’re 25 years old, and then the next week you are 45.  That is almost how the decades happened— without thinking about it too much at the time, but looking back, it is definitely a “whoa” moment.

It seems life gets in a routine, or more specifically a groove, and the time passing by turns into larger and larger chunks, almost instantly.

In our case, we do not have children—life’s natural time gauge—marking schools/school years/height charts/birthday parties, the sort of life events that mark time into chunks.  I never took Physics, so I assume there’s more applicable terminology than “natural time gauge.”

To make time flow even more seamlessly, we live in Arizona, where looking out the window every day reveals the same sunny blue sky, day after day.  I often say the only way to tell the season when looking out the window is to touch the glass and feel its temperature.  Cool, hot, or super hot.

In looking back at my lifetime, I see that everything flowed along in the groove/routine year after year.  Knowing that flow now, I realize how important it was to have a smart structure of saving, living nicely, living wisely, giving, and having a network so that as the years went by that structure remained mostly constant, or in many cases improved naturally. 

Our financial saving, and tracking of our expenses became more fine-tuned and optimized over time without too much additional effort.  There was no need for us to have that “oh man, we’re so far behind, we really need to get it together” moment.  We tried to structure for the future, which is the now, and the upcoming decades.

We lived smallish lives.  For example, we never had the too-nice-for-us cars that required thought about changing to less expensive cars.  We tended to buy at least 3-year-old cars and drive them for 10 years.  This ownership strategy gave us plenty of time to really figure out which car we wanted to purchase next. We did research and used price optimization, even avoiding sales tax buying from private parties.  All of which saved SO much money over the decades. 

Our vehicles were a large example of the delayed gratification that allowed many years of future daily employment to be eliminated.  No need for a paycheck since we already saved the funds that those work hours would have earned.

An even bigger example is our home.  It’s a “starter” home.  It’s a whopping 1026 square feet.  It’s a nice but small home.  It happens to be in an almost perfect location.  We’re 3 houses from a 10,000 acre (20×3 mile?) mountain preserve with running, mountain biking, hiking trails, and a lot of privacy.  Speaking of privacy, our home is on the uphill side of a large (100’ across?) mountain drainage wash.  Our backyard is almost totally private.  During the day (yes, we get to use our house/yard up to 168 hours per week) there’s almost nobody around, especially with regard to our backyard viewing area.  The decision to stay in our starter home decades ago helped us stay in our home these days (rather than in the office these days).

Not only is the starter home size small, but so was the purchase price and loan payments.  It’s interesting that the standard mortgage is 30 years if so many people move every 7 or so years.  (from articles I recall, I could be wrong)  Another good thing, a small home/yard is easier to maintain as the decades pass.

Heading further into our retirement I’ve been mentored by friends and cohorts who have mentioned making things easier to do, easier to manage, and easier to process.  Mark Trautmann told me “reduce the friction” of activities if you can.  He’s just brilliant.

I’ve taken this advice in bill-paying.  I know, I know-finally getting more modern than.  No longer do I have to be staged in front of a screen on/around the first of the month to give my money away.  I simply built the automation required to reduce the time-friction I had endured for decades.  Let’s be clear, my manual online bill-paying process had far less friction than the older days of driving checks to some of the local companies you owe money to (Bob do you hear me?).  That’s how my dad trained my mom to pay the bills almost 20 years ago.  Now, I get a notification telling me a payment will be made in a couple of days and the amount, then a notice when the payment is complete.  I let the bits and bytes work for me.

I’m now working more towards the “Set it and forget it” mentality.  Or maybe a “set it and just check on it” process.  Or even…improve it as you go. 

The point of my thought here is; you have structured your past to be where you are, good or bad.  You have the option to structure your activities and lifestyle now for the decades in the future.  Isn’t this a great time to try and put a nice, planned, well-tuned structure into place?  This may allow more time for you to enjoy your life, because you reduced the friction of everyday tasks.

*** 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.

I’m interrupting some of my CampFI sequential thought-posts for this out-of-nowhere surprise.

I guess I’ve been out-and-about, and irresponsibly breathing around.

So, the crowns attacked me.  I can’t believe with all my healthy lifestyle activities and my double-dose vaccine barrier, that the little crown viruses attached themselves to me and broke through my defenses.  I also cannot believe after living in near-total isolation most for 13+ months that my lockdown barely mattered.

In the middle of October, someone spread their virus to me.  I have been practicing the safety protocol for so long that I’m shocked I something wrong. 

Oh Sh!t

Thursday afternoon I flew to Texas for a small conference.  Everything was normal, maybe a little tired from the stress of my first airport activities in almost two years, or my very early morning workout.  Upon arrival, I visited with some people in the evening and as often happens from talking too much (since I’m usually not talking so much) my throat got a little scratchy.  Our hotel room was cold 66 degrees (in Phx our house is 82) but the room warmed up, maybe too much—by midnight and it was hot.  I slept poorly in the hotel and didn’t get up to run in the morning because I was tired.  This was strange as I really enjoy my morning travel runs, especially in Texas along the river.  When I got up I noticed I had a headache.  That is normal when I fly or drive long distances because I get dehydrated from drinking so little water.

At lunch, I was eating my vegetables and felt a little queasy and thought “that’s not normal!”  Up to this point, my previous “symptoms” were common and explainable, but not stomach strangeness. 

After lunch, I looked up Covid’s symptoms on my phone and told my wife “I have covid.”  She said that I was “being crazy.”  I said, “nope, I have it.”  We found a little doctor’s office a few blocks away and I tested positive.  They gave me a steroid shot, antibiotics (which I didn’t want crushing my microbiome, but I figured, better safe than stupid), and an inhaler (if I didn’t need it for covid, it would be a nice running enhancer).  Oh, the doctor told me to isolate for 10 days.  WHAT, I’m 1000+ miles from home and staying in a little hotel room with one desk chair and no food.

We walked back to the hotel and I walked through a crown in the lobby and had to tell my friends at the conference I tested positive and I’m going into lockdown.  Most everyone looked at me with stress or fear like I was carrying full-on danger in my lungs.  Turns out that was the worst part of the whole ordeal. 

I felt so horrible that I was breathing in their presence (before my test) without having a clue that the crowns were in me.  If this occurred a day earlier I would have stayed home, but a day later, and I would have been in a room with 120+ people and been the super-spreader beast.  I’m still super upset about being the problem.  I never want to cause anyone problems, or worse.

Back in the hotel room, we’re sitting there with our masks on, 10 feet from each other as we discuss that we’ve been together non-stop for  6 days and I’ve already spread it to her.  She removed her mask realizing that the crowns are already out in the open.  Turns out, she never had any symptoms and tested negative 5 days after my test, following the 3-5 day testing CDC recommendation.  More on how this is amazing later.

Isolating and Safe Travels

WE could not fly home on Sunday.  I was infected and my wife was “exposed” to me.  I calculated the options for getting a better long-term hotel, one with kitchen options, and chairs or couch.  No good options.  A hotel also meant that I, or we would have to interact with restaurant people twice a day for 10 days (20+ interactions).

I thought, let’s rent a car and drive home for two days.  Our interactions will be minimal, getting to the airport, the rental counter, gas station pumps (0), one hotel, grocery store, and maybe a drive-through meal.  Total interactions ended up being 4-5ish with my tight N95.  That’s <25% of possible interactions vs. staying in a hotel.

Rental Car unavailability!  It turns out that it wasn’t easy getting a rental car in Texas for a one-way to Phoenix.  It was impossible on Friday evening and impossible on Saturday.  But luckily one company had a three-day minimum rental to Phoenix for $1100, done deal.  Then I happened to find a different company that had a 50 hour rental (time zones) to Phoenix for $588, better yet, it was the Rav4 class.  [oh, did I mention that on Friday that since no rental car options were available that we considered buying me a new Rav4 and driving it home?]

We ended up with a super-nice lady behind the rental car giant Plexiglas shield finding us a Rav4 XLE to rent.  I stayed back and masked!  Awesome a Rav4 test drive bonus. 

The Drive

We grabbed the rental car safely as there was hardly anyone around the rental car facility.  We drive to an Aldi which was very quiet on Sunday morning and grabbed a cart of food.  We were the only masks in the place…and for good reason.  The cashier was behind another large Plexiglas divider.

I drove the Rav4—loving being able to test it and compare it to my Florida 2020 Rav4 rental—towards the aliens in Roswell.  After about 5 hours I was getting VERY tired and asked my wife to drive, which hasn’t happened in the past 25 years.  I reclined the passenger’s seat, munched some PB pretzels, and slept on/off for the next 2 ½ hours to Roswell.

I picked the Roswell Inn as our little motel.  Tiny lobby, outside room door, no hallways, fridge, and microwave, it seemed the safest I could keep everyone (except my wife who was in the small multi-cubic foot area of the Rav4 with a biohazard husband).  I checked in through another huge Plexiglas barrier while N95 masked.  In my room munched on bags of Aldi goodies happy to be almost halfway home and still very isolated from others.

The next morning we drove out with no sighting, incidents, or abductions that we remember.  I skipped visiting Lincoln NM which is on my ToDo places even though it was only 10+10 miles out of our way.  My logic was that it probably had little museums and buildings to visit, and I couldn’t bring myself to be irresponsible and put anyone at risk—those that I could avoid.  I felt as if the travel industry would have precautions in place for their interactive workers, and they did.

We decided to stop at White Sands National Park since it was outdoors.  It was really cool seeing the sands and driving on the little sandy road loops.  The park was practically empty this early Monday morning.  We then drove to my wife’s childhood home at NM State University.  All-day it was easy to isolate outside just staying away from people.  To be honest, I barely breathed out much when I was near anyone, even being masked up N95 style.

In Las Cruses I popped onto I10 and the GPS said: “370miles to your next turn” to the exit on our street.  It was one LONG direct segment from Las Cruces to our everyday freeway exit.  Amazing how the southwest is so (almost) empty.  I really wanted to stop in Tucson to check things out, but I respected my isolation protocol just as I did skipping Lincoln.

To end the rental car section of this post, we accidentally returned the rental car two hours earlier than scheduled which put us at the 48-hour mark for a two-day total of $504.  NICE!

Total added cost of not being able to fly home on Sunday’s schedule: $853 = mostly car/gas 617, food $123, and one hotel $83, but we visited three sights and found something positive from the drive/experience.

Symptoms

I’ve read about multiple people catching and having covid.  I read about vaccinated and unvaccinated.  I learned from a doctor at CampFI SW that unvaccinated people have much higher viral loads and can spread the virus more intensely, and those vaccinated have less viral load (per the immune system awareness and quicker attacking before expansion in one’s body).  At least that’s what she said.  Turns out that could be a reason my wife’s vaccine kept her safe from me.

My progression per my Google Doc tracking.

• Thu1 evening-probably had symptoms starting a little. 
• Fri2 by lunch noticing symptoms in my stomach.  Test positive 4pm Friday.  Evening dry light cough.
• Sat3-congestion started slowly, fever at night, didn’t sleep at all, but was comfortable, just not able to fall asleep.
• Sun4-very little dry coughing in the car, tired also no sleep night before.  The hotel room was a little warm, but sweating at night.
• Mon5-little headache in am, today I could feel slight vibration starting in my chest when breathing.  Little coughing.  Arrived home 5pm
• Tue6-at home now-I felt normal in the morning but at noon started heavy coughing and used the inhaler (useless?).  Wed7- cough hit harder in the afternoon but was fine all night.
• Thu8-felt pretty normal all day and on my 20m bike ride (I skipped the last 5m to take it easy).  Some light coughing in the afternoon.
• Days up through 14-very light dry coughing throughout afternoon and evening. 
• Days up through 20- very, very light coughing in afternoon or evening.  Just once every few hours just to remind me that the crowns are still trying to take over but my body has crushed those little #$!@#s.

I had “mild” symptoms, but definitely “noticeable and annoying,” but not unnoticeable or worse significant.  My takeaway from this infection

1. even with the vaccine protecting me, it was scary testing positive with the unknown. 
2. it was scary as the symptoms moved from my headache, to a runny nose, to a light/dry cough, to a heavier cough, and the chest vibrations when breathing while sitting on the couch. 
3. I only felt significant stress reduction (I wasn’t too stressed because I knew I would be OK if my body was truly efficient and vaccinated) as the symptoms reversed and congestion and heavy cough disappeared (day 8, but day 5 of significant coughing) back to a light/dry, then very light cough.
4. I never had the symptoms I hear most often, no loss of smell, no loss of taste, no aches.

Additional Thoughts

1. Based on the fact that I was not out and about engaging in unprotected breathing much in the days before symptoms, we concluded that I probably became infected at hockey—probably in the locker room before/after skating.  This really sucks because I avoided hockey for a LONG time to be extra, extra safe.  I did not skate for 17 months, even after having the vaccine in me.  I guess it goes to show you that not having protection one time can be enough to cause danger.
2. Once home, isolating for the remaining week was not any different than the previous year and a half, not realy.  Actually, it wasn’t different than my normal life at all.  I still ran and biked in the desert preserve, but I did do my weight workouts at home instead of the gym to be respectful and extra safe.
3. One final note on renting the Rav4.  It turns out my wonderful, amazing experience with the Rav4 in Florida last year was been a little overshadowed by the purchase of my wife’s new Toyota Venza.  The Venza (Limited) is a MUCH nicer vehicle than the Rav 4 (XLE), from the engine, the steering wheel, the displays, the seats, the ride, etc.  I know the Venza is adjectivized as “elegant” but it’s built on the Rav4 chassis so it should be quite close.  I’m glad we did not buy an emergency “covid positive” Rav4in Texas.   Ironically, we bought our Venza from a Texas dealer and had it shipped to Phoenix because I didn’t want to fly & drive, which is exactly what I was considering for the purchased Rav4, and did for the rental Rav4.  You never know what’s going to happen in life.  I’m glad that now a couple of months past my virus attack that I have life and it’s been good great.

*** 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.

Now shifting from CampFI SW in my last post, I noticed a post that I started in January 2020 after CampFI SE.  It’s a must share for an opposite perspective.

From 2020-01: I decided after CampFU (that was a typo, but actually kind of applicable) to drive across the Florida panhandle and explore the gulf coast, then head up into Alabama just for fun, just because I could.  I hopped in my rental RAV4—which was awesome because I’ve considered buying a Rav4  when I need a new car.  I mapped out the places to visit, and hotels deals along the way.  It turns out you can get some nice beach-view resort rooms at excellent prices with last-minute bookings, even in January.

There I was, in the lobby checking out of my (basic) motel in Tallahassee when I spoke to a stranger—which is rare for me.  After days of hearing about JL Collins The Simple Path to Wealth, I wanted to title this post “the simple path to nowhere.”  Another guest was checking out, and he said loud enough so those around him could hear his brilliance “OK, makin me some money on Tesla.”

I asked him “oh, you’re invested in Tesla, that’s cool, what brokerage do you use?”  I know it was a somewhat leading question, but I wanted to dig into his boastful arrogance in a little more detail to understand his vocal prosperity.  He mentioned something about some “stock app” on his phone.  I said, “I’ve never heard of that, how does it work?”  Mr. Investor proceeds to show me how he’s up FOURTEEN CENTS and he “now has $2.04 in Tesla and $1.79 in apple.”  [I swear this is 100% true, I put the note in my phone immediately so I wouldn’t forget]

OK, I understand there is a stock-picking game used in schools all over the country (universities included) and the game is (in my opinion) detrimental to investing, especially long-term “investing,” but this app seemed like a game for sure.  It was the arrogance he shared out loud that bothered me.  Ironically, I am finally posting this considering how Carl just shared his “Tesla investing story” recently. 

So, I have many thoughts about this motel lobby interaction 1) arrogantly boasting is unbecoming and may be asinine 2) stock games on a smartphone may be idiotic 3) I was staying in a lower-end motel, lower than I needed to 4)…

#4)  I was so disappointed that I didn’t have a $5 bill to double his money.  This is what I think is funny now 18+ months later, if he held on to his $2.04 of Tesla stock from Jan 2020, he actually would have shown me who’s boss.  It turns out, as of now Nov 2021 his Tesla “investment” would be worth $21.00+.

I’m not condescending of those struggling, or those saving small amounts to get started or give their life some buffer.  That is very hard for so many people.  There is even US tax code to support these savers-credits.  I believe in the power of positive actions—to try and improve a little at a time, day after day, week after week—hoping those actions make life better.  It’s the braggadocio nature of his obnoxious actions.

As for the opposite of my interaction, I love those who have shared the concept of stealth wealth.  I love the work of Dr. Thomas Stanley and his daughter, Sarah Stanley Fallaw.  These are just some of the many people who help make us all better.  I’m also pretty sure that they often do not speak in loud voices in public situations.

Help those you can, with whatever you can.

*** 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.

I’ve said it before, and I’ll write it again—hanging out with people who make you better is one of the best things you can do for yourself and those around you.

I’ve been to five CampFI gatherings around the country and each one is very interesting and valuable to me.  There is an abundance of intelligence, wisdom, and sharing.  I am often presented with perspectives that differ from considerations I’ve had in the past.  I find value in listening, processing, and re-evaluating positions I’ve held on many topics.  This is not something that I normally do in real life with other people, even If they are friends.  I think I do this at camp because I feel that the people who (pay to) attend CampFI tend to be of higher intellectual caliber in so many ways and I recognize that distinction.

The average age of CampFI SW San Diego was a little older than many camps— probably mid-40s.  The ages ranged from 24 to 69.  There were a handful of people in their mid-20s, and a chunk of people 45/50+. The remaining (most) attendees were in the 35-45ish age range.  This allowed for a lot of discussions from those who may be nearing the 10-year stage of planning for FI, never mind the leaving-their-career stage.

Looking back, in the spring of 2020 I was closing in on turning 50 and I was really thinking that I’d aged out of CampFI and ChooseFI.  Many of the discussions (“saving $9 on Netflix every other month” or “side hustling for $100/wk”) didn’t interest me.  To be honest, even opening a treasury direct.gov account didn’t seem worth my time in an attempt to earn more interest on a $10k transaction.

As luck would have it, CampFI SW moved from the Palm Spring area to a camp near our home in Encinitas.   I also lucked out in that the group of attendees was the best of ANY CampFI I’ve been to.  “Awesome” (see I’m old).

One big takeaway is that I am glad I’m smart enough to realize that people who are not like me can make me better.

I also realize that people who challenge you to go outside your comfort zone (jumping off a zip line platform, or climbing a wall, or talking about a worldly topic) can help you grow.

In my mind, I find that talking with people who are on a similar journey ahead of you will help you navigate your path a little smarter.  Similarly, people who are on a similar journey but behind you can help you frame how you got to where you are.  Both groups of people can help you traverse your journey better than you would without them. 

*** 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.