Thailand FI- Bridging the Gap Between Zero and FIRE

May I introduce to you a new concept? Beaches. Sand. Questionable water pressure. Coconuts. Loosely enforced electrical codes. Intrigued? I’m talking, of course, about the very fancy concept of Thailand Fi. Continue reading “Thailand FI- Bridging the Gap Between Zero and FIRE”

How to Access all that Sweet Pretax Money Once You Retire

Theoretically, this is a blog about pursuing financial independence. I get distracted easily. At the heart of the blog I want to teach people about the power of getting your finances in order. I’ve talked about our philosophy on investing, how it’s super important to save your money, and even how the best vehicle for quickly building wealth is through your pretax accounts. We haven’t talked about how to access your pretax money, until today. Continue reading “How to Access all that Sweet Pretax Money Once You Retire”

Mr. Burrito Bowl has some thoughts, but he doesn’t want to talk about it

Dear Diary- and various people who not only subscribe to something Burrito Bowl Diaries related, but also bothered to click on this article.

I routinely come to a point of contention with my blogging as Mr. Burrito Bowl.  You would think being Mr. Burrito Bowl would be a nonstop tailspin of fun, but I’m a complex and emotional creature.  Sometimes I ask, What are we all doing here?  I used to wonder if I was writing for myself or my audience. Those were simple times.

Recently I’ve started to delve into the financial independence Twitter community a little bit (hi everyone).  I decided that if I wanted my blog to reach more people I should go out and be social by sitting on my couch and interacting with strangers online.  This experiment has worked out semi-great.  I’ve gained a bunch* of followers on Twitter by being more active and commenting on people’s Tweets.

*Now, when I say ‘a bunch’ that’s relative.  I think I have around 500 followers*. This is several hundred more people than should be following me, but some people have like twenty-five thousand.  Actual famous people have millions of followers.  So, 500 really isn’t a huge amount.

*Now, when I say ‘followers’ I think most of them are following lots of other people.  It’s not like I’m their leader.  I never wanted to be their leader.  In that way I’m like Jon Snow.  That’s something, I guess.

Side note: Wow, there are A LOT of Financial Independence bloggers.  I knew I wasn't exactly breaking new ground with this blog idea but, there's like 47,000 people on Twitter with some form of the word FI in their name.

Moving on.

So, now I feel like I’m an accepted member of the personal finance/financial independence Twitter community.  Which, is there a more nausea-inducing name than that?  Excuse me, good sir, are you part of the Financial Independence Community? *Gags softly*

If I was on the outside looking in, I’d think the whole financial independence community was a bunch of rich snobs all congregating over the fact that they have lots of money.

The truth is most of the people in the FI community are just like the people not in the FI community.  The difference is, the FI people put more effort into getting a hold of their finances.

A lot of the people blogging on financial topics are in terrible shape financially, and that’s ok. They’re at the beginning of their journey.  The important thing is they’ve woken up to the idea that they have agency over their own lives and they can slowly climb out of their financial pit.

Everyone should be doing this; not blogging, but just slowly climbing their way out of the financial pit.  This idea is not just for those making killer incomes.  You, person reading this, can be better off financially next year than you are right now.

So anyway, now that I have a few more people reading my blog than before, I’m starting to wonder a few things.

Who is my target audience?

I write for many different audiences depending on my mood.  The reason it matters is the content can be totally different.  I’ve written articles for different audiences.  You Might Not Exist- Simulation Theory– this one was for me. 11 Best Ways (For Men) to Tell Which Baby is Yours at Daycare– This one was for the general audience that I want to laugh at my articles and like me more. Redefining Success and Chasing FI- The Boat vs. The Shore– This one was for the general audience that I want to somehow convince that they can save their money and get a hold of their finances. Seven Heroic Ways to Avoid Playing Google’s Nefarious SEO Game– This one was for my new blogger friends.

Who’s actually reading my articles?

So in writing these different types of articles I wonder which demographic is most likely to actually read them.  I also wonder which demographic is most impacted by my writing.  I’ve written some stupid articles that seem to be a real hit with the general public, but I don’t feel like anyone left my page with any new knowledge.  I’ve also written some posts that I wish the general public would read, but those seem to go nowhere because they aren’t as funny.  It’s hard to make compounding interest funny.

The posts that do really well with the general public are either my funny posts or posts that have pictures of my daughter.  Both exciting things, but not really convincing people to better themselves in any way.

My new FI blogger friends are reading some of my articles, but I think they think of me as just the funny guy who writes outlandish posts.  Not a bad niche.  If I had to pick a niche I’d for sure pick this one.  But, there’s more to me. Honest.

Why am I writing at all?

The most unsettling question is why am I even doing this at all? I have a need to write and get my feelings out there so this is a very good medium for that.  I also have stumbled ass over tea kettle into some financial knowledge, so I’d really like to be able to share that, too.  But, I really dislike writing about financial topics.  It’s so boring.  I’ll write whole articles and the second or third time proofreading them I don’t even want to finish.

How can I expect people who aren’t my mom to read my articles if even I’m bored by them? Is it throwing away free money if you don’t at least contribute up to the employer match on your 401k? Yes.  Can I convince you to read an article long enough to learn that? If you are still reading this article, then yes.

I have a need to write absurdity.  I cannot help myself.  I’ve written two entire books on the sole premise of absurdity. Writing absurd things is what sets me apart.

What do people think about my writing?

This is not a cry for people to comment stuff like, “We think you’re really great Mr. Burrito Bowl!” Although appreciated, this is more me wondering what goes through people’s minds when they read my more serious posts.  Especially the ones regarding money.

I think all writers wonder this, even if they don’t want to admit it.  Do I come across as a rich snob telling less fortunate people how they ought to configure their life if they want to get ahead?  Are people disappointed it’s not just a funny article?  Are people just confused as to what I’m talking about most of the time?

Putting yourself out there is hard and weird

I’ve always thought blogging was a bit silly.  I get having a diary, or writing because it’s cathartic, but the idea of sharing that writing- and asking people to share it so more people can spend part of their day reading your thoughts- is weird.  It’s weird and I understand it’s a weird request and I struggle with that.

I feel like writing an article is a bit like making a painting.  You did all this work and you just want to show people.  I’m not doing the writing because I think I’m better than people and they need to listen to me, and I’m not doing it SO THAT people give me lots of golf claps, but a golf clap or two is nice after the effort.

It’s like when your mom makes you dinner. She’s not making dinner for the praise, but a “Thank you, mom, it was really good,” is nice to hear.

My ego cares if people read my articles, and I can’t decide if it’s weird to care or weird not to care.

This brings me to another internal struggle.  I want to be able to say that I don’t care if people read my articles, because I’m a strong, independent man and I don’t need your approval.  But, god it’s a kick to the nuts when I put hours into a post and I hear crickets in response.  F-word me.  Right, fellow bloggers?

I think it would be weird to not care about how my articles are received but it’s weird to care too much.  It’s a real caring tightrope situation.

It’s a constant battle of my own ego. Be authentic and get ignored v. write what people like sharing. I suppose I’d sell out if the price was high enough.  But for now I’ll remain authentic even if it means getting ignored.

Panhandling my posts around the internet is less than ideal.

I have a Facebook page that I invited all my actual Facebook friends to like because I want them to know it exists.  I want them to know it exists because I feel like some of them would read it if they knew it was a thing.

It feels like a complete waste of time posting articles to the Facebook page.  Really what’s driving my hesitation is I don’t want people I know in real life to see I blog about finances and just make assumptions without ever actually reading my articles.

There are so many people peddling things on Facebook and I don’t want to be one of them.  Twitter is less weird because I don’t personally know the people I’m sharing articles with.  If things really go South I can just delete my Twitter profile and burn my phone. I’d have to kill a lot of people if I embarrass myself too much with my Facebook posts. Still, it feels weird.  I was not made for self-promotion.

What I really want to do is just delete all blog-related social media and just post articles on here whenever it suits my fancy.  Then you guys take it from there and make my posts go viral by sharing them because you’re bursting with love and admiration over the effort I’ve put in.  For now though, I’ll just keep my social profiles active. It feels like that’s necessary.

Thanks Diary and friends, this has been cathartic.

 

Where Fi and Frugality Intersect

By now you’ve heard me rant about pursuing financial independence (having enough passive income to cover your expenses) and you’ve heard me rant about frugality (not buying dumb sh*t).  If you don’t give those ideas any context, they can each come across as pointless pursuits.

If you haven’t been slapped across the face with the ‘aha!’ moment, then I’m guessing you’ve felt something similar to this while reading my posts on financial independence:

“Oh, it must be nice for them to be able to pursue this rich person lifestyle of Financial Independence.”

Or this, when you’ve read my posts on frugality:

“Ha, what a weirdo.” Continue reading “Where Fi and Frugality Intersect”

If You Just Save a Little Bit, It’s Not Really Worth It. Ya Know?

“What? That doesn’t even make sense.  Who wrote that?  That’s not a real article title,” Mrs. Burrito Bowl.

“This is my article.  I’m reading you my article,”  Mr. Burrito Bowl.

“Oh…sounds great, honey.”

Such is life.

Listen, kids.  Saving money is hard no matter how you slice it.  I don’t really know what that saying is supposed to mean.  Sayings are weird.

It’s a mental drain to think of your hard earned dollars just being socked away for some day thirty years down the road. We live in a culture where we don’t even earn our paycheck before we spend it and we for sure don’t earn it and let it sit there for a few decades.

A few of us know that saving money is important, but it’s just so hard.  There’s a mental shift we need to make to motivate ourselves to save part of our paycheck.

Mrs. Burrito Bowl and I are about three years into this whole money saving cult of financial independence and there’s a counterintuitive idea that’s really helped us:  Saving half your paycheck is mentally easier than saving $100. Continue reading “If You Just Save a Little Bit, It’s Not Really Worth It. Ya Know?”

9 Deadly Myths About Exercise

I have a lot of thoughts on exercise.  Fortunately for me, I also have a blog.  People have a lot of weird ideas in regards to exercise and I’d like clear a few of the more popular myths up. Continue reading “9 Deadly Myths About Exercise”

Life is Short- Spend for Today vs. Save for Tomorrow

Life is Short- Spend for Today vs. Save for Tomorrow

Can you believe how much of your life has already passed?  F-word, man. Summer has for sure faded and we’re smack dab in the middle of fall.  This time of year always gets me thinking, usually about random stuff like the eternal expanse of space or wondering what the ancient Egyptians were really like but sometimes I think about money questions.  Questions like should we be in camp spend for today or camp save for tomorrow?  Tomorrow isn’t guaranteed and life passes us by at breakneck speeds, even if we are lucky enough to make it to this mythical tomorrow. Continue reading “Life is Short- Spend for Today vs. Save for Tomorrow”

The $2 Meal When I Don’t Pack a Lunch

We’ve all been there.  It’s lunchtime around the ol’ office and everyone is grabbing their coats and top hats, or whatever.  They’ve got to move quickly, like a herd of time-compressed sheep, because the lunch break is only so long.  They rush out into the cold world to give away much of their hard-earned profit for an overpriced lunch they’ll shove down their throats with hardly a second to taste.

Not you.  You’re on a different plan.  You want to be financially free, frolicking on a beach, while your coworkers are still grabbing their top hats for their daily mid-work food purchasing extravaganza.  Continue reading “The $2 Meal When I Don’t Pack a Lunch”

Purchasing Financial Independence $11.57 at a Time

Hey, Kid. I’m looking to sell some perpetual freedom.  You interested?  

I like you. You know why?  You’re not basic.  One thing about you is, you like to visualize your path to FI differently than most.  Those satisfied with the 4% rule are basic.  You aren’t basic, Starbucks and Uggs notwithstanding, you’re an individual.  You’re the type of individual that’s interested in perpetual freedom.

It’s hard to quantify how far you’ve come and how far you have left to go using the standard 4% rule.  Your head knows how many more dollars you need to reach the mythical summit of Mount Freedom but your heart longs to know what your hard work has bought, so far. Continue reading “Purchasing Financial Independence $11.57 at a Time”

The Work Hard Play Hard Mindset vs. Chasing FI

Work Hard Play Hard

I have a great friend who is really good at making money.  He’s not an overnight success or the inventor of some app that set him up for life. Instead, working hard and being willing to take risks is a calling card for him. He works long hours and is always looking for the next step to lead him to success.  Over the last few years I’ve watched him and his wife move companies and countries in order to climb the career ladder.  Each step has gotten them closer to where they want to be financially.

I see pictures of him and his wife eating out at nice restaurants, drinking fancy coffee, or having a cocktail in some seriously kick-ass locations around the world.  He’s living the life. Work hard.  Play hard. Continue reading “The Work Hard Play Hard Mindset vs. Chasing FI”