Diary of a future annuitant (58)

This post is part 57 of 86 in the series Diary of a future rentier.

Dans un mois je fêterai les 18 ans de mon parcours vers l’indépendance financière. Je suis parti de presque rien, avec un petit compte épargne et un job mal payé. Cela ne m’a pas empêché d’économiser et de commencer à acheter mes premières actions. Aujourd’hui, après avoir mis un peu d'argent de côté mois après mois, après avoir aussi traversé deux terribles marchés baissiers, je suis arrivé à un stade où mes placements me rapportent, en revenus et plus-values, plus que mon activité salariée. Psychologiquement parlant, c’est un cap très important. Cela signifie que désormais mon travail va peser de moins en moins lourd non seulement sur ma santé financière, mais surtout sur mon bien-être mental.

I certainly cannot afford to stop my activity yet, since a large part of the profits from my investments come from unrealized capital gains. These are obviously of a very fluctuating nature, unlike dividends. It does not matter. When I measure the distance traveled, I tell myself that the hardest part is behind me. My ability to invest has strengthened considerably since I started. Before, I had to save for many months before being able to take a single position. Today, thanks to my savings and the dividends received, I have liquidity at all times.

At the beginning of my adventure, I focused my attention mainly on saving. Now I hardly pay attention to it anymore. Of course, I don't squander everything that comes in, but the foundations that I laid years ago are still there and allow me to continue to create wealth without thinking and without feeling like I'm depriving myself. Today, it's more investment that occupies my mind. With sufficient liquidity, I have to be on the lookout for opportunities, however rare they may be. I no longer have to wait until I have funds available to buy.

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When the market has undergone a new correction, I will be able to go and catch fish not with a fishing rod, but with a trawler. Depending on the date, the extent and the duration of the correction, it will then be up to me to decide whether or not I want to fly on my own.

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6 thoughts on “Journal d’un futur rentier (58)”

  1. Nice work, we can see that you are increasingly taking advantage of the snowball effect. It's wonderful to see your interests produce interests, which will themselves in turn produce offspring, etc.

    Do you include your real estate income when you talk about your investments?

  2. Laurent Martin

    Well done! Great journey. It doesn't fall from the sky: to get there, it requires consistency, effort and discipline, as well as a lot of time to train, inform yourself, reflect and analyze. Some people forget that.

  3. Philip of Habsburg

    Well, I want to be on that golden trawler at the same time as you! Despite my seasickness…

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