(Hopefully) the Last Month Making $90,635 Salary | Budget With Me May | Retire Early

[@raymondwzeng]

Prefer to read instead of listening to my terrible voice? Check out my blog here: www.engineeringretirement.com Want to connect with other like-minded folk around FIRE? Check out the community Discord server here: discord.gg/j6MK5FvQ8h

[@cmeller139]

Nice content! I wish I was as studied as you are when I was 22! I'm approaching 30 and I hit this level of focus when I was 28. You'll be miles ahead of me by the time you're 30! Nice blog as well -- I encourage anyone who sees this to view the blog in the description!

[@aaronquadd3019]

Keep ot going, every video motivates me for my financial future!

[@jmarks2k1]

If my math is correct, you're going to pay almost $1,500 in annual credit card fees. For someone who wants to retire early, and the relatively frugal lifestyle that typically comes with that... it seems unlikely you'll spend enough on those to make the benefits worth it. That said, you seem to be pretty intentional and detailed with your plan, so maybe I'm missing something.

[@raymondwzeng]

Thanks for the question! I've been meaning to go over my credit cards at some point since that's definitely one of the areas that I spend some more on. The interesting thing about FIRE to me is the way that things have changed over time. I think the 2010s were definitely a time where frugality was a big theme. Nowadays, I see a little more variation, especially among higher income earners (such as myself). My goal is to live intentionally, but not necessarily frugally (in all dimensions). I enjoy travel and try to do so whenever I can, and so I try to put more money towards that goal and scale back on others (such as eating out, buying the newest gadget every year, etc.). The benefits do make sense and I use them up during the few times that I do travel (along with your every day lifestyle benefits), but it's something that I do try to keep an eye on.