35, 330k NW. At a crossroad and I need advice what's next

[resjudicata]

@pixelsage If money and the accumulation of it is your goal then you will never be happy. I am struggling myself with the right balance, but there will always be more money to acquire and you will never have enough.

If I were you I’d move somewhere warm and open a decent coffee stall or something

 

[aaronkfwill]

@pixelsage You seem to want to increase your risk to make more money, but investments are not guaranteed so the risk could backfire and you could instead end up losing more money, then you will have to grind even more, accumulate safer investments, which will be slower, and delay your retirement even more.

I think your goal of 3k per month net adjusted for inflation is realistically achievable if you keep grinding for another decade. But do you actually spend 3k net per month now? Why do you need so much money in retirement? 3k net with no mortgage or rent is a lot of money and I personally couldn't even find a use for it, in retirement supposedly you are going to scale back, so maybe you don't even need that much money. Also you would be 45 by then so basically more than half dead, so having a million dollars at that point I think you will just feel stupid that you wasted half your life for it.

 

[rawrhaxx]

@pixelsage Just a quick question: what are the four languages that you speak and how did you get to learn them?

 

[pixelsage]

@rawrhaxx Not relevant but by living in these countries

 

[rez]

@pixelsage I'm about 98% sure that you have posted this exact thing before.

The Bahamas + "powercouple" ex-wife + doomerism situation rings a bell (or there's more guys in your situation).

Honestly, I'd suggest therapy for the doomerism/pessimism.

 

[pixelsage]

@rez And I even linked the original post in the first sentence.

 

[pinkcrystal]

@pixelsage I’m poor but I think I’m happier than you

 

[scotch]

@pixelsage Yeah man, open a lifestyle business. You got enough and also no one that you have to take care of. What are you doing bro?

 

[andrewrd]

@pixelsage I don't thing your primary problem is shortage of money. You seems very dedicated and focused in this area. It is that lonelyness that hurts. So, you need to do something about this and not escaping from living your life fully. This means small steps and small increments towards the bigger goal. First task is to use yor time outside working hours well. Get up earlier and do some physical exercise, fast| walk before going to work (1 hour minimum). Scenery is probably nice at your current place. Use your fast walk to think about your daily task, about your wishes/vision. When you are at work, if you have some free time slots, start learning some new skill (programming, design, image/video processing are good for working remotely from anywhere). After the work find some group that is compatible with your interests and try to enjoy and slowly find new friends. Don't be pushy, just be relaxed. If therr is nothing this day, dedicate yourself a small project so you can try the skill yiu are learning. So, fill your battery with energy first in the morning and it will last till sleeping.

 

[ggg17]

@pixelsage wise overconfident seemly degree paltry sophisticated cooperative quaint hard-to-find gullible

This post was mass deleted and anonymized with Redact

 

[disciple81]

@pixelsage You have money, lots of qualifications and live in an echo chamber because of past « obligations » (see ex-wife making you feel like you are not enough).

So, even if you don’t really want to accept it, you are bitter about it and try to be a better person by earning more. Unconsciously, you think that it would make you more happy, open more opportunities.

Try to find some job in Europe, maybe closer to family ? Reconnect with childhood friends? Don’t focus on money, it won’t make you happier being FIRE now.

Make a change, you have a big cushion nest behind you.

You miss connections, relationships, not money or a better job

All in all, a therapist would be the first thing to do to help you figure out what to do, you have the luxury of having choice, even if you don’t see it because you feel pressured to earn more and more

 

[littlemiss]

@pixelsage You can probably start by buying a more comfortable desk chair...

 

[phileobildad]

@pixelsage I remember you and your rant in this very subreddit months ago. Please, get the psychological help you need. It seems you haven’t heard at any of the advices you received back then.

 

[xxuujesuscorexx]

@pixelsage I read your original post and this one in full. It's like listening to myself from 3 years ago!

I'm also from Eastern Europe, was "stationed" in Canada tax-wise for 6 years but travelled the world as an Electrical Engineer working for various car companies and their suppliers... long story short, Covid turned my life upside down after I couldn't travel anymore. Travel was the lifeline of the lifestyle I was loving and living so it was time to think and figure sh*t out, kind of like you're doing now. I turned my life around completely and am happier now than ever before.

If you want to talk DM me, seems like we've got a lot in common... except the financials apparently, you're doing far better than I ever did.

 

[scotch]

@pixelsage If you make more than 32k$ a year you belong to the top 1% earners worldwide. Just to give you some perspective

 

[terri777]

@pixelsage Good Morning to all

 

[resjudicata]

@pixelsage Holy shit man, If I had what you have / earn what you earn..
Id just quit the job if you hate it so much, travel to Greece/france/ spain whatever , spend summer there. (It will cost you like 2k euros a month tops)
Then find a buetifull girl , there are truly a lot of them, and look for job you would like even if it paid less.

At certain time and how much money you got (eg. Having enough for basic needs and some luxury) it just doesnt make you happy.

 

[terri777]

@pixelsage Good job