Budgeting, investing, I love it

[Anonymous]

I am a personal finance late boomer. My parents didn’t teach me much, other than pay off my credit card bill (which is more than most people learn, I’ve realized). I didn’t understand investing. And I kept within my means but didn’t really budget.

Well, I got divorced and started educating myself. I don’t intentionally keep a budget (see above, I always stayed within my means), but now that I understand investing and compounding, I actually want to save my money and invest it for my future.

I used to love shopping and now I think to myself, is this worth it when it can grow?

So for anyone who needs help on their spending, this has really opened my eyes in ways that I didn’t understand before.

[Anonymous]

Good job! Don’t die before you get to enjoy your hard earned money.

[Anonymous]

Me too, but few people around me seem interested. I have budgeting books from year 2004 or even earlier. Money interested me even as a kid.
I was able to retire early, because I got very good at money. I did get a finance degree later in life, but never worked in finance.
I don't agree with the usual investment advice online and in books as it's not personal enough. I had to read many books and only use what concerns me.
I get 0% loans and have for two decades, I don't really pay taxes (get back way more than I pay), and my investment returns are 100%+ a year. There is hardly a book that describes how this is done. Few people online have mentioned that this can be done. I was listening and went for it.
I still spend money, but mostly on experiences. The enjoyment is bigger as it isn't even my money anymore. I'm not thinking about the hours I had to spend at work to earn it.
Enjoying money is big part of personal finance. Few other hobbies get this, 'Don’t die before you get to enjoy your hard earned money.'
It's not hard earned at all. It takes few clicks only.
I already enjoy it as I don't have to work anymore at 46. Not planning to die any time soon. I have time and money to take care of my health now that I don't have to work.
I'm willing to try other hobbies, but this one really has paid off. I need one now to help me get in better physical shape.

[Anonymous]

Anonymous wrote:Me too, but few people around me seem interested. I have budgeting books from year 2004 or even earlier. Money interested me even as a kid.
I was able to retire early, because I got very good at money. I did get a finance degree later in life, but never worked in finance.
I don't agree with the usual investment advice online and in books as it's not personal enough. I had to read many books and only use what concerns me.
I get 0% loans and have for two decades, I don't really pay taxes (get back way more than I pay), and my investment returns are 100%+ a year. There is hardly a book that describes how this is done. Few people online have mentioned that this can be done. I was listening and went for it.
I still spend money, but mostly on experiences. The enjoyment is bigger as it isn't even my money anymore. I'm not thinking about the hours I had to spend at work to earn it.
Enjoying money is big part of personal finance. Few other hobbies get this, 'Don’t die before you get to enjoy your hard earned money.'
It's not hard earned at all. It takes few clicks only.
I already enjoy it as I don't have to work anymore at 46. Not planning to die any time soon. I have time and money to take care of my health now that I don't have to work.
I'm willing to try other hobbies, but this one really has paid off. I need one now to help me get in better physical shape.

OP - Can you share your major tips?

And I definitely enjoy my life. I am lucky that I actually don’t have very expensive tastes (other than housing, I live in a VHCOL area), and prefer cooking at home and free outdoor activities.