Les choses se bousculent depuis quelques jours. Plusieurs clients se sont manifestés en même temps, à tel point que j'ai même dépassé ce que je visais initialement. Est-ce l’effet des campagnes Google Ads ou le retour de vacances de certains, je l’ignore. N’empêche, cela signifie que j’ai atteint mon objectif et que désormais plus rien ne m’empêche de réaliser mon rêve. Tous les voyants sont au vert. J’ai le capital et les revenus qui m’assurent l’indépendance financière. J’ai la petite ancillary activity indépendante nécessaire pour mon bien-être psychique. En quelques semaines seulement, j'en ai retiré plus de satisfactions qu'en près de 25 ans de salariat. Il ne reste plus désormais qu’à faire le grand saut.
If my calculations are correct, as soon as I am in "autonomous" mode (no longer dependent on a salaried activity), my income will come for 3/4 of my investments, in the form of dividends and rents. The 1/4 will come from my secondary activities, namely essentially personal coaching, as well as some very modest income from this site (advertising, subscriptions and book sales). All of this should cover my needs without too much trouble.
I took a certain margin
This means that, contrary to what I thought, I won't even need to draw on my capital. At worst, it will serve as a spare wheel. This would be the case, for example, if I had to give up my coaching activities. It also means that I could have taken off much earlier. However, I prefer to have taken a little too much margin than not enough. I should indeed last another forty years if all goes well! I seem to have thought of everything, but you never know in advance what the future will bring.
I am finally two years ahead of what I initially imagined. However, one year behind my reassessment of objective in 2016. Surtout, j'ai 17 ans d'avance sur ma retirement officielle ! J’ai de la peine à y croire, après toutes ces années de patience, de doutes, d’efforts, d’échecs, d’apprentissage, de courage, de passion et de ténacité. Tous ces levers difficiles, à devoir effectuer un travail que je n’aime pas, sont derrière et prennent un sens nouveau aujourd’hui. Je vais me donner encore quelques jours, afin de savourer cet instant présent, là suspendu sur un nuage improbable, à la croisée des chemins, comme si le temps s’était arrêté.
Then it will be time to deliver the final blow.
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Good morning,
I am happy for you to see this achievement and to have the example of others like you who achieve it: it is such a journey, such an adventure, so engaging, full of twists and turns, adversity, and in the long term, that I find achieving this objective as difficult and essential as having climbed 5 8,000 m peaks!
May you really take advantage of it to savor this celebration without skipping (we are too caught up in doing, having done and always remaining in action, without taking enough time to feel the great accomplishments).
May I ask you how long it took you in total to reach this result, from the moment you became aware that taking this path was essential for you and you began to take the path of action?
THANKS
Sincerely,
Stockrick/Terry
Hello Thierry, thank you for your comment. The analogy to the 5 summits is excellent, because that is exactly it: we go up, we go down, we get back up, we go back up, and so on, depending on the economic and financial disturbances of the planet, and of one's own.
It's hard to answer your question simply. Indeed, unlike a trip or a race, there is no precise starting time, nor a clearly defined finish line. However, I remember four important years: 2000 (first stock market purchase), 2003 (I decide to seriously take the path to financial independence), 2017 (I feel financially independent in my head) and 2021 (I leave employment). So, roughly speaking, between fifteen and twenty years, which is in line with the conclusions of my book.
It should be noted that I could have gone much faster. As I indicated in the post, I took a certain margin. In addition, I have never been a follower of extreme frugality. Quite the contrary, I consider myself a hedonist (which is certainly the reason why I set out on this beautiful quest).
What a pleasure to see you successfully continuing this unique journey! It’s very inspiring.
I wish you to always remember these moments of change, especially when doubts and difficulties arise.
Thanks Intermezzo. I think it should be fine 😉