In a month I will celebrate the 18th anniversary of my journey towards financial independence. I started from almost nothing, with a small savings account and a poorly paid job. That didn't stop me from saving and starting to buy my first stocks. Today, after putting a little money aside month after month, after also going through two terrible bear markets, I have reached a stage where my investments bring me, in income and capital gains, more than my salaried activity. Psychologically speaking, this is a very important milestone. It means that from now on my work will weigh less and less heavily not only on my financial health, but especially on my mental well-being.
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.
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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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?
Yes, I include them. They obviously have an impact mainly in terms of income.
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.
Thank you Laurent
Well, I want to be on that golden trawler at the same time as you! Despite my seasickness…
It looks like the trawler is preparing to leave port, carried by the wind of trade wars.