About Finding Your Enough

This website is for you if you believe that what you do for a living and the stuff you buy is not who you are.

It’s for you if you’ve ever thought, “There has to be something more than this,” as you idle in traffic with other frustrated commuters or attend yet another useless remote meeting.

It’s for you if you’re tired of consumer culture with its more, more, more mentality that’s destroying our environment and damaging the health of your body, mind, and soul.

The core principle of the financial independence, retire early (FIRE) movement is to spend less than you earn and invest the difference. Then, when you hit financial independence (FI), you don’t have to work if you don’t want to.

But with life expectancies increasing, early retirement may not be the best idea. So instead of the ‘R’ in FIRE, meaning retire, I prefer to think of it as “replace full-time work.” Replace work done only for maximum financial gain with work that has personal meaning for you.

Consider work you love as part of your lifestyle plan since it provides benefits well beyond financial. This is a healthier, more financially secure, and more accessible goal than traditional retirement.

This website is about achieving a version of FIRE by finding your point of “enough,” or your optimal point of spending where you’re comfortable, with a few luxuries thrown in.

FIRE or FI is about giving yourself options by avoiding the consumer treadmill. When you don’t spend everything you make, you get more choices for what to do with your time. And by time, I mean your life.

We’ll cover:

LIFESTYLE

Think of FI as a dimmer switch and not an on/off switch. As you build up your savings, you get more choices. I’ll explore lifestyle options like FIRE, Coast FI, and semi-retirement. Also, intentional living or simple living can help you reduce your consumption and save the money you need to create your financial freedom.

MONEY MINDSET

We are all on our individual paths, and personal finance is not only personal but emotionally loaded. Mindset is critical, and many times you get in your own way. Overwhelm and procrastination can stop you before you even begin.

MONEY MANAGEMENT SKILLS

Money management skills may be “boring” to many, but they’re essential to creating a life you love. A dash of frugality is needed because even when you earn more, if you spend more, the goal of FI moves further out. Frugality gets you there faster, and when done right, it doesn’t require feeling deprived.

 

About Karen—My FIRE Journey

I’ve been fascinated by the idea of financial independence, retire early (FIRE) ever since I read Your Money or Your Life by Joe Dominguez and Vicki Robin in 1992.

I had made the painful mistake of choosing a business degree for the money. I remember the sense of loss as I told my literature professor I would be pursuing another major. At the time, it seemed like a sensible, practical thing to do.

As a shy, quiet woman in the business world, I struggled. I also discovered the incredible power of “f-you money” early in life, thanks to my frugality. It was an empowering but dangerous discovery as I bounced around jobs and careers.

I finally settled down and spent 20 years working in accounting and finance roles, with 11 of those years at a Fortune 50. I was a CMA (Certified Management Accountant), so numbers and spreadsheets were my life.

But I never gave up my love of words and reading. And it did blend well with my passion for financial topics. One day when I browsed the personal finance section in my city library, I realized I had read almost every book there.

So, yes, I’m a money nerd with a reading habit.

Karen reading as a kid

(’70s version of me)

Many people think personal finance is boring, but not if you think of it in terms of your dreams and how it can help you achieve them. The much-hated budget (or spending plan) is one of the big reasons I was able to leave my corporate job.

After leaving that job, I rediscovered and remembered the passions I had set aside when my primary goal was making the most money possible.  I discovered the new world of online business possibilities. I learned about the “Creator Economy,” and this blog is a result.

I’d love to share what I’ve learned along the way and use my love of reading, researching, and writing to help you on your journey to financial independence and beyond.

To get started, sign up for your copy of the free mindful spending workbook.