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Why FIRE Is Such a Compelling Story


Why FIRE Is Such a Compelling StoryWhy is FIRE such a compelling story? Let me share my theory. Check it out and let me know what you think. For new readers, FIRE means Financial Independence and Retiring Early. It’s an awesome alternative to 40+ years of the regular 9-5 lifestyle. FIRE is scary and radically different than what we thought life would be. This is a journey into the unknown,  the archetype story we are all familiar with – the hero’s journey. Many stories have this common pattern. Modern movies have embraced this tradition by adapting and condensing the hero’s journey into 12 steps to fit in a 2 hour movie. Once you know about the hero’s journey, you can’t help but recognize the pattern in almost every Hollywood movie.

Hero’s Journey into FIRE

Here are some stories that are crafted with the hero’s journey blueprint – Star Wars, The Office, The Wizard of Oz, Legend of Zelda, Lord of the Rings, The Matrix, The Godfather, The Lion King, Jaws, Rocky, Homer’s Odyssey, and Spiderman. The hero’s journey monomyth is steeped into our blood even if you haven’t heard of the concept before. The hero enters into an unknown world to face an insurmountable challenge and comes out completely changed. This is exactly what FIRE is. If you take on this challenge, life is never going to be the same. Normal people don’t know about FIRE. They won’t believe it’s possible and they’ll think you’re abnormal for doing this.

Is the FIRE journey really like the hero’s story monomyth? Sure, it is. Let me take you through the 12 steps for the classic film, Star Wars, and compare it with my real life example. Everyone wants to be a hero of their own story and I’m no different. 🙂 Although, RB40Jr loves the bad guys for some reason. His favorite Star Wars characters are Captain Phasma, Kylo Ren, and Darth Vader. I guess the bad guys are way cooler than the good guys. Okay, enough of the previews, let’s get the show started.

The 12 steps are from Christopher Vogler’s book – The Writer’s Journey.

1. The Ordinary world:

Normal life before the adventure begins.

Star Wars: Luke Skywalker lives with his uncle and aunt on their moisture farm.

FIRE Journey: Joe works as an engineer for many years. He likes the technical challenges and he doesn’t mind putting in long hours as a young employee. Joe is happy to make good income and enjoys a prosperous lifestyle. His life is the epitome of the American dream.

2. Call to adventure:

Something happens to disrupt ordinary life.

Star Wars: Luke sees the call for help from Princess Leia.

FIRE Journey: Engineering was enjoyable for many years, but Joe becomes dissatisfied with his job. The employer wants him to take on a more leadership role as a senior engineer. He starts having physical and mental health issues. Joe discovers personal finance blogs.

3. Refusal:

The hero fears the unknown and is reluctant to change.

Star Wars: Luke needs to work at the farm to help his family.

FIRE Journey: Mrs. RB40, Joe’s wife, is pregnant. They have a mortgage, a car payment, and bills. He has a respectable job, good income, and a comfortable life. Why give that up?

Your Money or Your Life4. Meeting a mentor:

Someone helps the hero overcome his fear. He obtains something that will help on the journey.

Star Wars: Luke meets Obi-Wan Kenobi and learns about the Force.

FIRE Journey: Joe’s boss got a pink slip a few days before Christmas and is denied the annual bonus. The corporation saves some money. Joe realizes that everyone is just a cog in the machine. Meanwhile, Early Retirement Extreme introduces him to early retirement and Financial Samurai shows him anyone can blog. He reads Your Money or Your Life.

5. Crossing the threshold:

The hero leaves the ordinary world and journey into the special world.

Star Wars: The storm troopers destroy the farm and kill Luke’s family. Luke leaves his old life behind.

FIRE Journey: A couple of coworkers die young. Joe has an epiphany and starts Retire by 40. He embraces the FIRE concept and cuts expenses.

6. Tests, Allies, Enemies:

Hero encounters difficulties, helpers, and challenges.

Star Wars: Luke meets Han and Chewie, escapes from the storm troopers, and travels to Alderan.

FIRE Journey: Mrs. RB40 reluctantly joins the journey. Joe finds the personal finance blogging community. Enemies include the doubters, internet retirement police, and haters who leave disparaging and discouraging comments.

7. The Approach:

Long journey and preparation for the major challenge in the special world.

Star Wars: Obi-Wan teaches Luke how to use the light saber and the Force.

FIRE Journey: Joe works to accumulate 25x annual expense and build passive income. RB40Jr is born and put in daycare. (I really dislike daycare. It’s a huge factor why I retired early.)

8. The Ordeal:

Greatest personal challenge, everything is on the line.

Star Wars: The heroes sneaks onto the Death Star and rescues the princess. Darth Vader kills Obi-Wan Kenobi.

FIRE Journey: Joe puts his head down and pushes on for longest 2 years of his life to reach FI. His health continues to slowly deteriorate. Work becomes intolerable, but he carries on.

9. The Reward:

The hero takes possession of the prize and becomes stronger.

Star Wars: Luke joins the rebellion and becomes a pilot.

FIRE Journey: Joe achieves financial independence through the combination of high savings rate, consistent investing, and pure luck. He focuses more on blogging and work/life balance. He puts less emphasis on work which results in a bad performance review.

10. The Road back:

One minor test to drive the story to completion.

Star Wars: Luke refuses Han’s offer to escape the battle.

FIRE Journey: Joe declines to go into the hiring pool. He also declines to interview at a friend’s company.

11. The Resurrection:

The hero has a final encounter with the danger. This is the climax of the story.

Star Wars: The rebels attack the Death Star. Luke hears Obi-Wan and uses the Force to destroy the Death Star.

FIRE Journey: Joe takes a leave of absence to think things through. He comes back and pulls the trigger to retire early. His super power, financial independence, enables him to quit working full time at 38.

12. The Return:

The hero returns home or continues the journey, bearing some type of treasure or power to change the world.

Star Wars: Luke becomes the hero of the Rebellion – a new hope.

FIRE Journey: Joe becomes a stay-at-home dad/FIRE blogger and lives happily ever after with his family. Life is pretty darn good after 5 years of early retirement. He continues to share his FIRE story with the world to help convert one person at a time. His health is much better now.

Your hero’s journey

I’m sure every FIRE blogger also went through most of these steps. FIRE is such a compelling story because we all grew up with the hero’s journey monomyth. All of us want to be the hero of our own story. It’s a powerful subconscious push for the adventurous type.

Who wants to be the coworker that got stuck in step 3 and continues working in a dissatisfying 9-5 job?  Or are you the hero that challenges the FIRE journey? Of course, real life is not the same as the movies. You might have some serious issues that prevent you from going on this FIRE journey. That’s okay too. Every movie needs supporting characters and extras. (Oh! So mean!)

However, we can all improve our finances by being more diligent about money. Even if you’re not on the FIRE journey, you can make incremental improvements to your finances. There are so many resources out there now. It’s never been easier to access the world’s knowledge. Learn and grow.

I hope you enjoyed my hero’s journey story. Good luck on yours!

More FIRE Journeys

Anchor – Joe’s Why FIRE Is Such a Compelling Story.

Link 1 – Tom’s FIRE hero’s journey from being a young finance professional to his encore career, teaching at a university.

Link 2 – Jim’s Why Spiderman’s Path is Like the Journey to FIRE. Jim is going to retire early and move to Panama very soon.

Link 3 – Mr. Tako’s Darth Vader and The Path to FIRE. Apparently, Mr. Tako agrees with my son about Darth Vader.

Link 4 – Lazy Man and Money’s The Serenity of My FIRE Journey. My doppelganger on the East Coast. 🙂

Link 5 – Jason’s Want Your Life to be Movie Worthy? Achieve Financial Freedom! Head over to Winning Personal Finance and read all about it.

Link 6 – A Groovy Hero’s Journey from Freedom is Groovy. Read how they moved from New York to North Carolina to expedite their financial freedom.

Important P.S. Announcement To My Blogging Friends

I talked to a few bloggers to see if they are interested in sharing their FIRE journey and I got several takers. We’ll start a chain for these stories. This will help build backlinks and readers can discover more FIRE bloggers. Now, the best part – you’re invited to join if you’d like to share your FIRE journey. I’m really curious to see if it is really like the hero’s journey?

Open to all.

Just write a post, backlink to existing members’ articles on the topic (“Build The Chain”), and you’re in! It’s just me right now, but soon there will be more stories here.

Here’s how to join the chain:

1) Write A Post on Your FIRE journey. Does it fit the hero’s journey pattern?

2) Backlink to the articles previously written in this chain-based Series (e.g., Joe’s article plus any other bloggers who have published after that. All of the links in the chain, coming together, see how that works?). You can check back here for the latest links.

3) Post your article on Twitter with “#FIREherosjourney“, and tag any other blogger who’s already in the chain. (Send multiple Tweets, if we get that big).  We’re the only ones using #FIREherosjourney, so it’ll be a clean hashtag chain.

Twitter will be our primary means of communicating the growth of the chain. Together, we’ll build a chain via backlink to all articles written by other bloggers on the same topic. Anyone can search #FIREherosjourney on Twitter and watch the chain come to life. I hope you join us.


The following two tabs change content below.
Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, the job became too stressful and Joe retired from his engineering career to become a stay-at-home dad/blogger at 38. Today, he blogs about financial independence, early retirement, investing, and living a frugal lifestyle.

Passive income is the key to early retirement. This year, Joe is increasing his investment in real estate with CrowdStreet. He can invest in projects across the U.S. and diversify his real estate portfolio. There are many interesting projects available so sign up and check them out.

Joe also highly recommends Personal Capital for DIY investors. He logs on to Personal Capital almost daily to check his cash flow and net worth. They have many useful tools that will help DIY investors analyze their portfolio and plan for retirement.

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{ 64 comments… add one }
  • Moriah Joy June 18, 2018, 11:47 am

    I’m currently teaching The Odyssey, which makes me somewhat biased, but I loved your connection of FIRE to the hero’s journey. I think one thing that might be different, though, is that you know when you’re starting out, kinda what the outcome will be. Rich and on the bahamas, okay so maybe not that, but you get the idea. Whereas Luke had no idea where he was going. I’d love to see the concept played out in a book similar to the veing Rich Dad Poor Dad or Year of Less.

  • Frogdancer May 10, 2018, 4:28 pm

    It’s fun playing around with things like this, isn’t it?
    I enjoyed reading this. 🙂

  • No More Deadlines May 10, 2018, 10:11 am

    Such a cool post, learned the details regarding the “hero’s journey” and you presented your own journey as an example to drive home the FIRE journey and the classic storytelling device. I’ll have to add this to my list of posts, if I can ever get around to actually posting something.

  • Dave May 10, 2018, 6:43 am

    Fire is a compelling story for all of the reasons you listed and more. Freedom is elusive. People dream of being free, but do not see how it is possible for them because they have already fallen into the American nightmare of materialism and debt. Reading about those who have reached Fire is an emotional ride because it is such a contradiction from how the masses have been tricked into thinking that they must produce and consume for 40 years or longer.

  • Franklin Bach May 10, 2018, 5:10 am

    Love how you tied your story to one of the greatest stories ever told. In real life, no one wants to see or hear about the struggle to success, only the results. The struggle is the foundation to learning. Looking forward to spending time reading other stories. My story is already written, just need to figure out the back link and Twitter posting thing.

  • Troy @ Bull Markets April 22, 2018, 4:11 pm

    I think FIRE is a compelling story because honestly, nobody wants to work 40 years to retire during their “golden years”. There’s nothing golden about being 65 and not having the same body you used to have. People want to enjoy life while their bodies still allow it!

  • FIRECracker April 22, 2018, 3:42 pm

    “I guess the bad guys are way cooler than the good guys”

    Completely agree with RB40Jr! Bad guys are the best. 🙂

    Love this creative idea! Gotta admit, I’m not a Star Wars nerd (heck, I got booed in a theatre when “the Last Jedi” came because I yelled “I’m so excited to watch Star Trek!”) but, as a writer, I love the hero’s journey reference!

  • Suzannah April 20, 2018, 5:28 pm

    I just read this article to my engineer husband who also happens to love the original Star Wars trilogy. We started our FIRE journey a couple of years ago but still have a few years left in the journey. It’s tough to power through, but reading FIRE blogs like yours help give encouragement. Thank you!

    • retirebyforty April 23, 2018, 12:22 pm

      Thanks for sharing! Good luck on your journey. We’re huge fan of Star Wars too. 🙂

  • David April 20, 2018, 9:07 am

    We share very similar backgrounds and I’m a huge Star Wars fan, but it’s very difficult to see myself in this light. Despite my financial success and risk-taking, it pales in comparison to my grandfather’s story.

    He really was a poor farm boy from a desert planet (Gobi Desert) who joined the fledgling Chinese Air Force to fight against the (Japanese) Empire. He attended Huangpu Academy, the Chinese equivalent of West Point.

    He did not become a pilot because he was better at planning, finance and administration than flying. I guess I inherited these traits from him. He became the head of logistics/purchasing for the Air Force during and after WWII.

    He did retire early but not wealthy. Ironically, his career was cut short by the equivalent of corporate reorganization within the military.

    • retirebyforty April 20, 2018, 1:27 pm

      You’re right. My parents struggled a lot more too. This is just for fun.

  • aGoodlifeMD April 20, 2018, 6:57 am

    What a creative post. While I’m not FIREed yet, we moved cross country from our hometown 4 years ago. We were Luke on the moisture farm, cruising in the landspeeder. Adventure bug took on though and our hero journey began. We are close to step 10 and we are moving back home, totally changed. I see the Hero journey in my wife and I in our effort to reach FIRE, but not retiring yet.

  • Sean @ Frugal Money Man April 20, 2018, 5:54 am

    You hit the nail on the head that nobody is 100% safe in their position. “Everyone is just a cog in the machine.”

    This can truly cripple those in the high income / low wealth category because their wealth is simply what their next pay check brings them. Once that position is gone, then that $$$ well is all dried up! The importance of prioritizing your family, and aggressively saving/investing resounds throughout your entire journey!

    Thanks for sharing!

  • Xavi April 20, 2018, 12:56 am

    Hello RB40,

    Great post !!
    I had the feeling to read my own journey.
    We have only been starting our fire journey for 8 months but I did not regret.
    It is tough from time to time but no pain, no gain.
    Thanks again for your blog Obi Wan 🙂

    PS : sorry for my unperfect english, I am french !!

  • Lazy Man and Money April 19, 2018, 2:08 pm

    I like this idea. I was a little fuzzy on the Star Wars parts since it’s been about 35 years since I’ve seen it.

    We have a lot of parallels with our stories though. I think I’ll join in on the theme. Is everyone updating their articles to include everyone else’s journey? Isn’t that going to look a lot like a link farm or something?

    • retirebyforty April 20, 2018, 1:24 pm

      Hmm… I think linking is okay if it’s similar subject. Hopefully, Google doesn’t mind this. I haven’t paid much attention to SEO lately…

  • Dave in Sunny FL April 19, 2018, 1:56 pm

    I’m currently seeking my way forward after 25 years of W-2 income; including the last ten years where my gross salary went up $1,000, my benefits were cut, and the employer’s retirement contribution was reduced by 60%. I couldn’t be more excited or more enthusiastic at this point, five months after leaving. I’m still looking for that next thing; but the possibilities are endless, and I’ve been blessed with the opportunity to pursue any and all of them.
    “Fear and doubt destroy more dreams than failure ever does.” -Keith Weinhold

  • Mouse April 19, 2018, 1:05 pm

    Awesome idea, I’ll write up my journey to Step 4 and 1/2, where I stick a toe out into the special world while maintaining a Clark Kent facade at my ordinary 9-5.

    Thanks for a neat way to build the community!

  • Mr. Tako April 19, 2018, 11:55 am

    Very creative post Joe! I never thought of a FIRE journey as being a hero’s journey!

    It’s funny — my kids love the Star Wars bad guys the most too!

  • Steve @ familyonfire.org April 19, 2018, 11:45 am

    Joseph Campbell would be proud!

    I was looking for some inspiration for something to write about tomorrow. So I’ll see what I can do.

  • Revanche @ A Gai Shan Life April 19, 2018, 11:12 am

    You be the curmudgeon Luke, I’m going to be General Organa 😉

    I was concerned that JB’s favorites were all the villains, too! In almost all stories. We had to talk about why villains aren’t usually liked – they’re bullies, hurting people etc. But I’m theorizing it’s because they have cooler costumes.

  • GYM April 19, 2018, 9:55 am

    Hah, this is great! I’m glad that there is a happy ending at the end of this story! I think the last Star Wars movie I watched was Rogue One and it didn’t end with a positive or negative ending (from what I remember, but don’t quote me on that one).

    “Cog in the wheel of the machine” — love that!

    • retirebyforty April 20, 2018, 1:22 pm

      I never liked those stories that kill everyone off at the end. So depressing…

  • Helen April 19, 2018, 8:05 am

    Joe, excellent and hilarious post, though I don’t know anything about those movies. If talking about drama movies, I might know a few, especially the romantic and classic ones.

    That’s a great FIRE journey, and very inspiring. It’s tough, and rewarding. You worked hard, planned wisely, and finally made it. Enjoy it!

    • retirebyforty April 19, 2018, 8:57 am

      Thanks! I think many drama movies also have these steps. For example, Casablanca. Rick is called to help Ilsa. There are elements of these steps in almost every movie.
      As for my FIRE journey, I had to jiggle the timeline a bit to make everything fit the steps. But that’s creative writing, right? 🙂
      Thanks. Life is great now and I hope it stays this way for many years to come.

  • freebird April 19, 2018, 7:56 am

    I’ve always thought of the ‘Star Wars’ style of science fiction as escapist fantasy, so perhaps the link is appropriate for most people. So what next, FIRE comics and anime? We don’t need another hero just tell us about your life post thunderdome.

    • retirebyforty April 19, 2018, 9:00 am

      I can’t be serious all the time. It’s just not me. I’d quit blogging a long time ago if I just write about serious financial topics.

  • Mike H. April 19, 2018, 6:43 am

    So…you’re the Luke Skywalker of personal finance 😉

    I’m a weird mixture of 2, 3, and 4. Started the journey, not sure if how/when/if to retire early, found the online community, but still circle back around to “I don’t really know what I want to do with retirement.”

    Maybe I need my metaphorical moisture farm to be destroyed by metaphorical stormtroopers looking for metaphorical escaped droids carrying plans for a metaphorical Death Star.

    • retirebyforty April 19, 2018, 8:51 am

      I’m the curmudgeon Luke now. 🙂
      Good luck! You have to do what’s good for you. If your life is good now, then you don’t need to change it much. Someday, you might encounter something to make you cross the threshold. Meanwhile, enjoy life and build your financial foundation. Good luck!

    • David @ VapeHabitat July 25, 2018, 5:52 am

      Star Wars parallel is perfect for nerds like me)) Very good read!

  • Tom @ Dividends Diversify April 19, 2018, 5:50 am

    Loved your creative approach Joe. Not sure I understand all your directions on how to participate in the chain properly, but I gotta get in. My keyboard will be “on fire” today. 🙂

    • retirebyforty April 19, 2018, 8:46 am

      Just let me know when you’re done and we can talk more via email. Enjoy!

      • Tom @ Dividends Diversify April 19, 2018, 10:24 am

        Thanks for the offer to help. I posted, linked and tweeted as per your instructions. I think I got it and now I just need to keep updating my post with other bloggers links as they complete and post their journeys. Let me know if I am missing anything. Lot’s of fun. Appreciate it. Tom

  • Doc G April 19, 2018, 5:50 am

    I love the hero paradigm. The best way to review ones life is to think of yourself as the protagonist. The better more heroic stories we tell ourselves about our struggles, the happier we will end up as people!

    • retirebyforty April 19, 2018, 8:46 am

      That’s a good point. Life is good now because I went through some struggles. It wouldn’t be as satisfying if everything was super easy.

  • Angela @ Tread Lightly Retire Early April 19, 2018, 5:41 am

    Ha I love this. What a creative (and accurate) take on FIRE. Maybe I can use this to explain it to friends in the future…

  • Ms. Frugal Asian Finance April 19, 2018, 5:19 am

    Wow I think you would be a great character in a FIRE movie. The title could be something like “Joe – The FIRE Warrior.” 😀

    Like Lily, I’d like to be in a romcom. I’m not a big fan of action movies, but those romcoms are just so sweet and funny!

    • retirebyforty April 19, 2018, 8:45 am

      I’d need a team of writer to add a lot more funny bits to the story. It’s kind of boring for regular people. 🙂

  • Lizzy April 19, 2018, 4:58 am

    I loved this. I actually used the hero’s journey in my master’s thesis!

    • retirebyforty April 19, 2018, 8:44 am

      What was your thesis? The hero’s journey is pretty interesting. It’s a persisting pattern in storytelling and it works.

  • Mr. Freaky Frugal April 19, 2018, 4:40 am

    Reading your post made me smile the whole way through. Thanks for that!

    Maybe I could do something with Shakespeare: “To FIRE or not to FIRE, that is the question.” 🙂

  • Chris Urbaniak @ deliberatechange.ca April 19, 2018, 4:33 am

    Good morning, Joe.

    What a great post. I love the analogy to Star Wars. There are so many solid points. It’s like those things that are obvious to you only after someone tells you them. (“Oh yeah! Of course!”)

    “His life is the epitome of the American dream.” That ties directly in with my own summary: “My family and I have been living the middle class ‘dream’ for several years now, but have realized that it’s not all it’s cracked up to be. Join me and follow along as I explore financial and lifestyle strategies on how to break free from the herd and live a deliberate and purposeful life!”

    This may or may not result in “traditional” FIRE (is there even such a thing?), but it’s about deliberately being the architect of your own life, whatever that looks like. Make a choice and go for it 🙂

    Joe, you (and this post) are a great example of exactly that. Thanks for the encouragement!

    • retirebyforty April 19, 2018, 8:43 am

      Your summary is great. Thanks for sharing. I like the “deliberate and purposeful life” section. That’s good writing. It’d be interesting to see if you end up with FIRE as the end point. Good luck!

  • [email protected] April 19, 2018, 3:50 am

    Fantastic analogy Joe. Fire is clearly compelling because of the Freedom it provides and the hardship it takes to get there. We all want the freedom to choose what we do with our time. The hardship to get there makes it a great story. I’ll try writing my story up today! Thanks for the offer of a chain.

    • retirebyforty April 19, 2018, 8:38 am

      Freedom to do what you want is worth the journey. It’s too bad most people are not open to this idea. Let me know when you’re done with your post.

  • Epic story indeed ….. I like the Star Wars tie in … my epic accidental F.I. journey started when I parachuted onto the other side of the planet 🙂 … maybe I will tie into the tag thing this summer 🙂 CPO

  • The CFO April 19, 2018, 2:38 am

    Great story. I discovered FIRE a couple of years ago and realised that’s what I’ve been doing for the last 10 years, when I decided at some point I needed a way out of the 9to5 grind. My career then went into overdrive and so did my wealth. I’d like to think part luck and part determination. Currently have enough to RE and be FI but actually loving my current career challenge enough to hang on another 3 years. Will be 46 by then and a grand time to RE, in my opinion.
    Inspiring story.

    • retirebyforty April 19, 2018, 8:37 am

      I think it’s great that you enjoy your job. That’s very elusive. Enjoy it! You don’t need to RE as long as you’re enjoying work and have good work/life balance. Thanks for sharing.

  • Accidental FIRE April 19, 2018, 1:51 am

    Ha, so awesome Joe. I think you missed the part where you had two droids helping you. Man, I need to get me some droids…. 😉

    • retirebyforty April 19, 2018, 8:35 am

      I have RB40Jr. He’s like R2D2 and C3PO rolled into one. The unhelpful parts of them that is….

  • Michael @ Financially Alert April 19, 2018, 1:41 am

    Cool idea, Joe! I’d love to participate. Writing it out this way will also really help us to tell our story in a more compelling manner.

  • Jim P. April 19, 2018, 1:11 am

    Love the idea. I’m in. I love to incorrectly think that I did it by myself, but in reality there have been a lot of influences. Thanks for putting this together. I’ll put together a post and tweet it next week.

    • retirebyforty April 19, 2018, 8:34 am

      Email me when you’re done and I’ll make sure to link it. Thanks!

  • Lily | The Frugal Gene April 19, 2018, 12:54 am

    I love it I love it I love it!!!! This is genius!!!

    I want mine to be a romantic comedy though! Hehehe.

    I understand exactly what you’re saying by the way. I’m so glad I finally watched Star Wars (the first one) this Christmas. How useful in this haha.

    • retirebyforty April 19, 2018, 8:34 am

      I don’t know how FIRE can be made into a romantic comedy. I have enough unrelated material for a film, though. 🙂
      Good thing you watched Star Wars so you can follow this one.

  • Ernie Zelinski April 19, 2018, 12:46 am

    I have no idea what you talking about — so I will just keep my mouth shut.

    Understand that I am the bloke from rural Canada with an IQ equal to that of a ditch digger.

    • Billy April 19, 2018, 6:24 am

      “The only true wisdom is in knowing you know nothing”

      • retirebyforty April 19, 2018, 8:48 am

        We all have to play with the hands we’re dealt. Ernie is doing pretty damn well. It goes to show that IQ isn’t everything. You need to have business savvy, tenacity, and a lot of luck. Ernie is great at those things.

    • Susan @ FI Ideas April 20, 2018, 7:10 am

      Wow, a comment from my “Hero”, Ernie Zelinski! Toward the end of my journey, I had your book “Retire Happy, Wild and Free” on my passenger seat, and no one I worked with ever seemed to see it or comment. It was a huge motivator, like having Obi Wan!

  • Olivia April 19, 2018, 12:38 am

    This is so creative! Love the journey you went through – you made it all right! My journey has been super slow so far. It’s great to be able to read everyone else’s journey and knowing how to get there. It’ll just take some time!

    • retirebyforty April 19, 2018, 8:32 am

      I had to jiggle a few things to make it fit, but it’s pretty good for the most part.
      You’re in Act 1 so it feels a bit slow. I’m sure you’ll look back and think time really files. Good luck!

    • Chris @ Duke of Dollars May 10, 2018, 5:12 am

      Can’t wait to read yours one day Olivia!

      FIRE from someone living in NYC – incredible !

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