Financial Independence: My First Encounter

by FI Fighter on May 29, 2012

in Financial Independence, Thoughts

Financial independence is a dream of mine, but to discover how it came to be involves retracing back to the early days of my youth. During this period of time, financial independence didn’t yet exist for me, but pure, unrestricted play time was something I truly embraced. In fact, my first recollections of desiring to be free take me all the way back to the beginning of grade school. I used to dread the end of Summer, as this signaled the end of fun and the re-emergence of forced routine back into my life.

An episode of The Simpsons always pops into my mind when I think back to these early years. In particular, episode 101 – The Boy Who Knew Too Much, which starts off with Bart daydreaming in class, picturing himself lying on a raft on a calm, sunny day, drifting aimlessly to nowhere. It wasn’t before long that I would start replicating this exact daydream during my own time in class. I longed to live in a world without any: bells, whistles, teachers, principals, etc. The seeds of anarchy had infiltrated my mind! The idea that one SHOULD be free was no longer an abstraction, but something that I now felt was my God-given right. The intervening years could be classified as a forced struggle, but altogether manageable, since I was always rewarded with Summer vacation at the end of each school year.

As the years passed, I adapted to the fixed schedule of school for 9 months, and Summer break for 3 months. It wasn’t what I would call the perfect compromise, but it was obviously better than the alternative, school for 12 months STRAIGHT, which some kids did have to endure (luckily not me).

As I got older, money started to cross my mind with greater frequency. Growing up in a poor family meant that there was never enough to go around. So, I knew I had to take measures into my own hands if I wanted to better my situation financially. I got my first job while in high school, at 15, bagging groceries on the weekend. The work was difficult, as it involved standing up all day and constantly moving/lifting things. Even more taxing was I often had to collect shopping carts and push them up a ramp in order to return them to their designated location. Many times, at night in pouring rain. Looking back, I am most grateful for this early exposure to hard work as it helped instill a strong work ethic, and resolve, which I feel will be necessary to achieving early financial independence.

The combination of work and school meant there was little leisure time for me. This went against the now ingrained belief in my mind that one ought to be free. Still, I couldn’t imagine not working, since I so desperately needed the money. The pure, unrestricted play time of my youth was now a thing of the past. I now knew that cash was indeed king, and it was probably something that would be closely coupled in my life from that point on. The first taste of the working life, unfortunately, left a lot to be desired. I constantly questioned, “this can’t really be all there is to life can there? Do people really just work all day until they retire?”

Frustrated, I used this anger as motivation to find answers. I searched online to find ways to “make it rich”. In time, around my junior year in high school, I started educating myself in all things, finance. With luck, my first finance read was- The Richest Man in Babylon. This book taught me the importance of holding money close to the vest, protecting it, and watching it multiply. I was too young to know much about investing, so I simply hoarded the cash (at least 10% of my earnings, stashed safely away in my comic book box). It felt good coming home each day from work and adding just a tiny bit more to the collection. When the pile of money got too large, I would exchange the $10 bills and $20 bills for a $100 bill.

I kept this up throughout the last 2 years of high school, always envisioning the clay tablets from Babylon whenever I bagged groceries. I knew that each day I put my nose to the grindstone would be one less day I would need to do so in the future. I simply forced myself to adapt to a frugal lifestyle, coercing until it fit like a glove. Even though I vacillated at times, succumbing to peer pressure and spending large chunks of money on hopeless endeavors, I now knew what steady-state felt like. I was off to the right start, and laying out the first blueprints for achieving early financial independence… little did I know then, that someday I would be blogging about it 🙂

{ 5 comments… read them below or add one }

1 The Keichi OneNo Gravatar May 30, 2012 at 7:20 am

I think your experience probably mirrors that of many of us seeking FI. I’m rather lucky in that I still get a summer vacation being a teacher, but the notion that I know I will be heading back to work is still very difficult for me to rationalize. It feels like the little kid in me is watching saying “What are you doing! You should be having fun like you used to!” One day soon I hope I can look back at him and go play.


2 FI FighterNo Gravatar June 2, 2012 at 12:29 pm


I’m sure the summer vacation does wonders for you, as I can only dream about having one these days 😉

Still, I know what you mean when that inner voice speaks to you and tries to dissuade you from doing the same thing every morning – going to work!

Best of luck to you, and hopefully we both get to FI sooner than later!


3 Poor StudentNo Gravatar June 3, 2012 at 3:44 pm

Does Bart not see Abraham Lincoln in that day dream or am I thinking of another Simpsons episode?

When I achieve FI I will not just be laying out in the sun on the water but I want to have the option.

I first started weighing the idea when I was working with a construction company. We worked 7-7 four days a week, until noon on Fridays and then I had to drive three hours home Friday afternoon, not to mention waking up at 3 am on Monday morning to drive 3 hours back to work. I couldn’t believe my dad and others did that for 40 years of their lives. that experience is also the main reason I am in university now. i want a flexible job I enjoy while I have to work, because unfortunately money is now a necessity. Then once I have enough money I want to be ale to walk away and start fun carpentry projects, or road trips out west, or just sleeping in everyday and then volunteering.

It is important for kids to get a wake up call like the ones you and I got early on.


4 FI FighterNo Gravatar June 7, 2012 at 10:51 pm

Yep, that’s the episode!

Like you, I am grateful for the early wakeup call. It helps put the aspect of time/money into perspective. As a lot of people say, time isn’t money, time is life… and like you, I want to maximize that.

Achieving FI doesn’t imply ‘laying out in the sun’ all day, but what an option to have! It’s definitely the degree of freedom, mobility that I think is most appealing. To be able to start fun projects, take road trips, etc, whenever you want is the essence of true freedom. On so many days, the weather is just too perfect for one to be spending their day locked up in a cubicle, or lab.


5 theFIREstarterNo Gravatar December 11, 2013 at 1:30 am

I really wish I’d read some FI books when I was younger! But no regrets as they say. I’ve always been relatively frugal and earned enough money to do some cool things without going into debt.

I have had a nagging feeling since school age also but have only very recently “seen the light”. Better late than never I guess.

One of the things I used to enjoy around 16-18 was making music on my computer. I had dreams of becoming a superstar! However I find that as soon as you try to do something for money it becomes way less fun. Once FI it will be nice to have the option to “waste” 3-4 hours on a rainy day creating some music for no other purpose than for myself to enjoy it. The same goes for any other number of little side hobbies I am interested in, and you never know you could end up getting paid for some of it anyway – not having the pressure to earn it is key though I think to live a happy and stress free life!


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