I’M ON F.I.R.E. Y’ALL

Hello Beautiful People!

ANNNDDDD Hello New Season (in so many ways)! 

Every year around October I begin a reflective process as I get closer to my birthday in December 😆. This year, I feel even more aware with myself and more intentional with my movements through life. THIS October I said hello to:

  • a new position as the Director of Essex Pregnancy & Parenting Connection and Early Childhood Services in New Jersey,
  • I started actively searching for my FIRST home to buy,
  • I FINALLY decided to ACTUALLY join the F.I.R.E. (Financially Independent, Retire Early) movement. 
  • We spent lots of time outdoors, and
  • my oldest took a trip to Cali with my aunt, his great aunt, for a basketball game. His first flight without ME 😬🤗. 

This post is focused on F.I.R.E. and my process for making this decision. For about five years now I’ve been more intentional with my money. Reading and growing and questioning and podcast listening and IG following…you get my drift. The most important part of this journey for me is that I’ve been shifting my mindset around money which has led to shifts in how I treat money. I thought I was just creating a better situation for my children by increasing my knowledge so I can give them information early that I acquired later in life. Then I found out about F.I.R.E. and I’ve been hooked but too nervous to REALLY say I’m on this journey. My friends, in my head, Jamila Souffrant of the Journey to Launch Podcast and the Our Rich Journey family have been my inspiration and guides to all kinds of thought processes and shifts including joining the Financial Gym and meeting my B.F.F. (Best Financial Friend), Chandra, who has helped me GET 👏🏾 IT 👏🏾 TO👏🏾GET👏🏾HER👏🏾. (Go here to learn more about my experience with them.) I’ve even got Coach Rob, my mentor, who’s gotten me started in the stock market, and reminds me to thinking about my discretionary funds and how I’m making my money make money (more on this later). Needless to say, I’ve been MAKIN MOVES😆💃🏾! And it feels good. 

Step one in my process was shifting my money mindset. I have parents at opposite ends of the thought process when it comes to money. One barely spends anything and the other just says “get what you want when you want it, shoot you deserve it”. Which had me in a 🙃😖😫🧐🤔🤓😊 space. It’s all good because they’ve also been SUPER encouraging and created a being who feels free enough to explore EVERYTHING and figure IT out. I went from thinking money can make people greedy, to feeling like there was no way out of these DARN student loans, to finally feeling ready and able to make moves to live my purpose with joy and a plan. Money is A TOOL!! That’s we’re I’ve landed. With this mindset I see no limits. I’m working towards financial independence. All of the stuff I’ve read and listened to had me start with what’s most important to me in life, beyond the money. That was very helpful for me. It made things clear and relieved some pressure out of my process to be on point ALL the time. It’s made it easy for me to say no to some things, and maybe later to others. It’s helped have amazing money conversations with my youth, who now hold me accountable to my budget 🤦🏾‍♀️. My proudest money mindshift is that they are developing a healthy relationship with money from the beginning. 

With this new mindset I’ve been able to focus on what’s important, literally, without fear or debilitation. In the last 5 years, I’ve 

  • paid off MOST of my debt, (student loans are another beast but I’m no longer aggravated to the point of anxiety with the thought process of getting rid of it. Knowledge truly is power and necessary for my mental health, ESPECIALLY when it comes to money) 🙌🏾
  • I’ve got REAL savings that I don’t tap into EVERY month money🤑,
  • I took my youth on a major trip to Botswana 🇧🇼,
  • AND I’ve saved for my first home 🏡. 

Creating a budget, although I’m constantly making adjustments, has helped me understand what my means are so I can live within them (or below them actually). Honestly, I’m not that great at sticking with my budget (YET) in all areas but I’m making progress every month.

With all of these adjustments and payments, I’ve decided that it’s time for me to get SERIOUS! I purchased my F.I.R.E. workbook from Amon and Christina and it has me taking even more intentional steps. I’ve made the announcement to my family and many of my friends so I don’t feel so much pressure to show up to events that aren’t in my budget. I’m getting more creative to show support to my family and friends that don’t require me to jack up my budget. Birthdays and holidays have been more about experiences in our house rather than things. All of this helps me remain focused and motivated. 

For now my focus is on the FI of F.I.R.E. and while, I know the RE for me will be more of a work optional lifestyle, I am still maintaining focus to get to more freedom. My new goal right now is to reach a networth of 0 by March of 2022. I know that may seem horrible to many BUT it’s way better than being in the negative. I KNOW I can do this with discipline and support. Financial freedom HERE I COME!

I’m on F.I.R.E. y’all!!

Are you stuck in an unhealthy money mindset? Do you have any financial goals? What do you have in place to make a shift that will lead to action? What would be helpful for you and how can I help you get connected so you can start making moves TODAY? YOU CAN DO THIS!!

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