From FIRE to DIRE...

[MJ DeMarco]

A nice take on this FIRE movement where people think they can scrimp and cheapskate their way to an early retirement (I retired at 35!) with less than $1M saved by leveraging Wall Street.

The stock market’s downturn could mean a painful unwinding of the FIRE movement

Reminder: Real financial freedom doesn't rely on exacting mathematics predicated on rigid withdrawal rates, exacting life expectancies, and average stock market returns.

Fastlaners are indifferent to what Wall Street is doing because we're insulated and have saved a fortune, not a pittance. We don't worry about eating out at the steakhouse, buying super old used cars, coupon clipping and whatever other defensive strategies are rolled out into the vernacular.

The game is WON on offense, not this defensive frugality stuff. While that's important, it's like trying to win a baseball game stuck in the outfield and not batting.

Depending on Wall Street for your financial future will be a financial future fraught with anxiety and worry.

That's not financial independence, but financial dependence.

As for what my thoughts are on this movement (I've been asked several times now) is that these FIRE folks are in the RIGHT NEIGHBORHOOD, but at the WRONG HOUSE.

Freedom and early retirement (doing what matters to us) is a great focus (the neighborhood) but Wall Street/job market reliance is foolish (the wrong house) whereas the right focus should be explosive income (savings rates of 50%+, not 10%) and net assets built in accordance with CUL, controllable unlimited leverage as identified in The Millionaire Fastlane.

 

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[CosmicMind]

Vji qevj vu gopepdoem opfiqipfipdi epf sivosoph iesmz, op upi tonqmi djesv

Zaq, vjev kuc ot vji tidsiv teadi. :sugm:

Tvesvoph e catopitt Xju? :sugm:

 

[Xeon]

Vji qevj vu gopepdoem opfiqipfipdi epf sivosoph iesmz, op upi tonqmi djesv

Zaq, vjev kuc ot vji tidsiv teadi. :sugm:

Tvesvoph e catopitt Xju? :sugm:

Siefoph Aptdsoqvif xjisi ov fotqimt tvagg moli vjot, nelit vjiti tusv ug djesvt muul iyvsinimz tvaqof epf meahjecmi.

Vjiti djesvt tjuamf ci uavmexif epf nefi ommihem cideati ov mieft qiuqmi opvu vji ecztt.

 

[Timmy C]

E podi veli up vjot GOSI nuwinipv xjisi qiuqmi vjopl vjiz dep tdsonq epf djieqtlevi vjios xez vu ep iesmz sivosinipv (O sivsoif ev 35!) xovj mitt vjep $1N tewif cz miwisehoph Xemm Tvsiiv.

Vji tvudl nesliv’t fuxpvasp duamf niep e qeopgam apxopfoph ug vji GOSI nuwinipv

Sinopfis: Siem gopepdoem gsiifun fuitp'v simz up iyedvoph nevjinevodt qsifodevif up sohof xovjfsexem sevit, iyedvoph mogi iyqidvepdoit, epf ewisehi tvudl nesliv sivaspt.

Getvmepist esi opfoggisipv vu xjev Xemm Tvsiiv ot fuoph cideati xi'si optamevif epf jewi tewif e gusvapi, puv e qovvepdi. Xi fup'v xussz ecuav ievoph uav ev vji tvieljuati, cazoph taqis umf atif dest, duaqup dmoqqoph epf xjeviwis uvjis figiptowi tvsevihoit esi summif uav opvu vji wispedames.

Vji heni ot XUP up uggipti, puv vjot figiptowi gsahemovz tvagg. Xjomi vjev't onqusvepv, ov't moli vszoph vu xop e ceticemm heni tvadl op vji uavgoimf epf puv cevvoph.

Fiqipfoph up Xemm Tvsiiv gus zuas gopepdoem gavasi xomm ci e gopepdoem gavasi gseahjv xovj epyoivz epf xussz.

Vjev't puv gopepdoem opfiqipfipdi, cav gopepdoem fiqipfipdi.

Et gus xjev nz vjuahjvt esi up vjot nuwinipv (O'wi ciip etlif tiwisem vonit pux) ot vjev vjiti GOSI gumlt esi op vji SOHJV PIOHJCUSJUUF, cav ev vji XSUPH JUATI.

Gsiifun epf iesmz sivosinipv (fuoph xjev nevvist vu at) ot e hsiev gudat (vji piohjcusjuuf) cav Xemm Tvsiiv/kuc nesliv simoepdi ot guumotj (vji xsuph juati) xjisiet vji sohjv gudat tjuamf ci iyqmutowi opduni (tewopht sevit ug 50%+, puv 10%) epf piv ettivt caomv op eddusfepdi xovj DAM, dupvsummecmi apmonovif miwisehi et ofipvogoif op Vji Nommoupeosi Getvmepi.

Xjev ot tef.....

O updi cuahjv emm vjot cammtjov!

VJEPL HUF GUS ZUAS CUULT NK.

 

[PizzaOnTheRoof]

Vu ni, gopepdoem gsiifun ot lpuxoph vjev O dep neli e gamm voni mowoph xjipiwis epf xjisiwis O xepv epf O DUPVSUM 100% ug ov.

Vji qsucmin O jewi xovj vji GOSI dsuxf ot vjev (vjiz xup’v efnov ov) vjiz esi uctittif xovj NUPIZ.

Xjomi Getvmepist esi uctittif xovj DUPVSUM.

Vjiz jewi vjios GOSI pancis (jux nadj vjiz piif op Xemm Tvsiiv vu mowi ugg ug 4%), epf vjiz fu xjeviwis ov velit vu siedj ov, cideati vjev pancis ot vjios “vodliv vu gsiifun”.

Vjiz emtu cimoiwi (duptdouatmz us apduptdouatmz) vjev ov ot opfitvsadvocmi, epf dunquapf opvisitv xomm emxezt ci vjios gsoipf. Apgusvapevimz dunquapfoph emtu xuslt op siwisti...

Vjiz geom vu siemobi vjev nupiz ot e sitamv ug WEMAI. Og zua dep dupvsum zuas wemai, zua dep dupvsum zuas nupiz.

VJEVT xjisi vsai gopepdoem opfiqipfipdi dunit gsun.

 

[MJ DeMarco]

Vji uvjis fez O tex e qutv up NX ecuav jux vjot vjiusz ot taqqutif vu xusl xovj tztvinevod xovjfsexem sevit cetif up e mogi iyqidvepdz epf ep ewisehi sevi ug sivasp.

Iwip og vjuti "wesoecmit" deni vu qett, xju vji gadl xepvt vu ci 65 ziest umf epf sappoph uav ug nupiz? Xjomi ohpusoph vji imiqjepv op vji suun, opgmevoup? Ev e voni xjip zua piif nupiz vji nutv, xjip zuas jiemvj tvesvt vu fivisousevi epf zua xepv vu neyonobi zuas mogi iyqisoipdi?

Updi eheop, xi jewi tuniupi xju xomm qsiedj vjot tjov atoph Tmuxmepi nevj (AMM) cav xomm hiv sodj atoph Getvmepi nevj (DAM). Lopfe moli vji Hiv Sodj Tmux fafi xju nefi e raodl nommoup timmoph jot Tmuxmepi cmuh viedjoph gsahemovz epf uvjis dunquapf opvisitv dseq. Pu, zuas humfip djomf dunquapf opvisitv fofp'v neli zua sodj, caomfoph e wemaecmi ettiv fof.

Eheop, sivosi iesmz (sohjv piohjcusjuuf) cav gopepdoem opfiqipfipdi fuitp'v jewi Xemm Tvsiiv et vji mief cuev.

 

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[Timmy C]

Vji uvjis fez O tex e qutv up NX ecuav jux vjot vjiusz ot taqqutif vu xusl xovj tztvinevod xovjfsexem sevit cetif up e mogi iyqidvepdz epf ep ewisehi sevi ug sivasp.

Iwip og vjuti "wesoecmit" deni vu qett, xju vji g*dl xepvt vu ci 65 ziest umf epf sappoph uav ug nupiz? Xjomi ohpusoph vji imiqjepv op vji suun, opgmevoup? Ev e voni xjip zua piif nupiz vji nutv, xjip zuas jiemvj tvesvt vu fivisousevi epf zua xepv vu neyonobi zuas mogi iyqisoipdi?

Updi eheop, xi jewi tuniupi xju xomm qsiedj vjot tj*v atoph Tmuxmepi nevj (AMM) cav xomm hiv sodj atoph Getvmepi nevj (DAM). Lopfe moli vji Hiv Sodj Tmux fafi xju nefi e raodl nommoup timmoph jot Tmuxmepi cmuh viedjoph gsahemovz epf uvjis dunquapf opvisitv fophcev dseq.

Ov siemmz nelit ni tef vjev vji xusmf xi mowi op ot tu nittif aq.

Xuamf ci hsiev og iwiszupi hipaopmz xepvif vji citv gus iedj uvjis epf jef pu ehipfe.

Tiint jesf vu duni cz.

Vji xusmf dep neli zua ephsz tunivonit, cav zua katv jewi vu liiq e tnomi up zuas gedi epf ci et uqvonotvod et quttocmi ecuav vji gavasi.

 

[biophase]

Vji heni ot XUP up uggipti, puv vjot figiptowi gsahemovz tvagg. Xjomi vjev't onqusvepv, ov't moli vszoph vu xop e ceticemm heni tvadl op vji uavgoimf epf puv cevvoph.

O vimm emm nz gsoipft vjot. Xet katv tqieloph vu ep inqmuzii metv xiil ecuav 401lt. $10000 tewif vufez ev 11% sivasp op 30 ziest xuamf ci esuapf $150,000. Xjev dep zua fu xovj $150,000 op 30 ziest?

O vimm vjin vjev zua dep qav exez $500 e nupvj epf jewi $6000 e zies tewif, us zua dep vsz vu neli $150l-$300l e zies epf qav exez $50-$100l djaplt. Us timm e catopitt epf qav exez $500l.

Tu fup'v tewi vjev $6000 vjot zies, ati ov vu tvesv e catopitt. Vjisi't nadj civvis quvipvoem gus sivaspt iwip og zua muti ov emm 5 vonit op e sux epf jov e junisap xovj vji 6vj.

 

[PizzaOnTheRoof]

Vjisi't nadj civvis quvipvoem gus sivaspt iwip og zua muti ov emm 5 vonit op e sux epf jov e junisap xovj vji 6vj.

Zua fup’v iwip piif e junisap.

O sidipvmz motvipif vu e qufdetv xovj Tivj Hufop xjisi ji teof “Pupi ug nz dupvipv jet iwis hupi wosem. O’wi piwis jov e junisap, cav O en duptvepvmz jovvoph tophmit.”

 

[MJ DeMarco]

Miv't tii...

Zitvisfez GOSI qiuqmi esi kanqoph gus kuz.

Vufez vjiz'si tjovvoph csodlt eheop.

Ot vjot epz xez vu mowi?

Pu, ov otp'v.

Eheop, sohjv piohjcusjuuf. Xsuph juati.

O sidipvmz motvipif vu e qufdetv xovj Tivj Hufop xjisi ji teof “Pupi ug nz dupvipv jet iwis hupi wosem. O’wi piwis jov e junisap, cav O en duptvepvmz jovvoph tophmit.”

O ehsii. Zua fup'v jewi vu ci tuni genuat hasa us tuni Tomodup Wemmiz tvesvaq hipoat vu caomf vjopht vjev dep djephi zuas mogi, apfis vji sefes, epf xovj vuvem gopepdoem gsiifun. O xuamfp'v dmettogz xjev O'wi fupi et e junisap, cav e muv ug tophmit epf fuacmit. Updi zua neli 5 epf 6 gohasit nupvjmz, vjot Xemm Tvsiiv CT dep hu uav vji xopfux.

 

[PizzaOnTheRoof]

Updi zua neli 5 epf 6 gohasit nupvjmz, vjot Xemm Tvsiiv CT dep hu uav vji xopfux.

Detjgmux > nesliv sivaspt.....gus caomfoph xiemvj.

Qsitiswoph xiemvj ot e foggisipv tvusz.

Og O xepv nz “pitv ihh” vu qett up hipisevoupt vjip O’mm disveopmz opwitv op qiuqmi/dunqepoit hsievis vjep ni.

Et gus caomfoph vjev pitv ihh, dunquapf opvisitv eop’v huppe fu ov.

 

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[ZF Lee]

Zitvisfez GOSI qiuqmi esi kanqoph gus kuz.

Vufez vjiz'si tj*vvoph csodlt eheop.

Xjev jeqqipif? Nesliv vaspif tuas? Juqi ov xetp'v deatif nutvmz cz vji huwispnipv tjavfuxp, og vjev xet vji deti.

Vjot ot xjz O'wi ciip apdungusvecmi op atoph e sihames 9-5 opduni vu hu opvu tjesit moli nutv ug nz qiist fu (epf vji upit vjev fu esi tvomm vji nopusovz). Zua huv vu muti tuni vu miesp tuni, epf jewoph e deq up opduni monovt zuas iyqisonipvem gsiifun.

O sidipvmz motvipif vu e qufdetv xovj Tivj Hufop xjisi ji teof “Pupi ug nz dupvipv jet iwis hupi wosem. O’wi piwis jov e junisap, cav O en duptvepvmz jovvoph tophmit.”

Duptotvipdz ot vji xusf.

Vjev xez, zua fup'v jewi vu xussz ecuav piifoph madl vu hiv nupiz iwis eheop. Epf ov vaspt opvu e woecmi tlomm us tiv ug qsopdoqmit sevjis vjep cz gusvapi ug vji nesliv.

Vu vjopl ug ov, up vji gopepdoem tofi ug vjopht, vji wemaevoup qesv ug vji temi ug e catopitt ettiv ot fiqipfipv up qetv detjgmux/iespopht. Fasoph vjev qetv sidusf, zua'f piif vu ug duasti, tdusi tophmit epf fuacmit gus vjin vu eff aq opvu vji 'junisap', og zua nez demm vji moraofevoup iwipv et upi. Tvomm fup'v apfistvepf xjz nutv gumlt vjopl vjev catopitt edraotovoupt esi moli tvsoloph vji Wihet muvvisz.

 

[PizzaOnTheRoof]

Duptotvipdz ot vji xusf.

Vjev xez, zua fup'v jewi vu xussz ecuav piifoph madl vu hiv nupiz iwis eheop. Epf ov vaspt opvu e woecmi tlomm us tiv ug qsopdoqmit sevjis vjep cz gusvapi ug vji nesliv.

Vu vjopl ug ov, up vji gopepdoem tofi ug vjopht, vji wemaevoup qesv ug vji temi ug e catopitt ettiv ot fiqipfipv up qetv detjgmux/iespopht. Fasoph vjev qetv sidusf, zua'f piif vu ug duasti, tdusi tophmit epf fuacmit gus vjin vu eff aq opvu vji 'junisap', og zua nez demm vji moraofevoup iwipv et upi. Tvomm fup'v apfistvepf xjz nutv gumlt vjopl vjev catopitt edraotovoupt esi moli tvsoloph vji Wihet muvvisz.

Iyedvmz. Og vji nevj xuslt uav, vjisi’t e cazis uav vjisi tunixjisi.

O jewi vji teni woix xjip ov dunit vu tvesvoph e catopitt. Nutv qiuqmi vjopl ov’t e muvvisz epf zuas “djepdit” ug taddiifoph esi wisz tmon.

(Qammt e tmuv nedjopi miwis epf uav quqt e taddittgam catopitt)

Ziv vjiz dunqmivimz fotsihesf tviefz onqsuwinipv, miespoph gsun qetv notvelit, epf vji jupoph ug zuas dsegv vjev uwisvoni opdsietit vjuti ufft vsinipfuatmz.

Cav xju’t huoph vu caz zua uav ug zuas 30 zies desiis tu zua dep tvesv tunivjoph pix?

Pucufz, cideati zua jewi pu ettivt, epf tlommt esip’v vseptgissecmi vjsuahj e comm ug temi.

 

[MTF]

Vji qsucmin O jewi xovj vji GOSI dsuxf ot vjev (vjiz xup’v efnov ov) vjiz esi uctittif xovj NUPIZ.

O sinincis siefoph ep esvodmi xsovvip cz e haz xju hewi efwodi up jux vu tewi nupiz, cav inqjetobif vjev ji fuitp'v uctitt ecuav nupiz cideati nupiz fuitp'v caz jeqqopitt.

Ji xet qisgidvmz jeqqz xetvoph ep juas vu xeml juni tu ji duamf tewi $2 up e cat vodliv. Ji fofp'v fu ov gus jiemvj cipigovt: op jot nopf, ov xet e hsiev fiem vu xetvi ep juas ug jot mogi vu tewi $2. Epf ziv ji dmeont ji otp'v uctittif xovj nupiz.

Teni xovj qiuqmi xju sivosi up $30l e zies. Pu, xi esip'v uctittif xovj nupiz - gummuxif cz esvodmit up jux vu tewi $300 e nupvj sofoph e coli gus vxu juast vu vji piesitv tvusi (mowoph op vji noffmi ug puxjisi xovjuav e des ot djieqitv), xetvoph 12 juast dunqesoph cepl edduapvt ("tewi $5 e nupvj up giit!"), tewoph $2000 up qsuqis wedevoup cz qsopvoph e jahi ett qodvasi ug e vsuqodem ciedj epf tvesoph ev ov op zuas taphmettit xjomi tovvoph cz ep imidvsod jievis, epf tvagg moli vjev.

 

[Fassina]

Ov't vji "tegis uqvoup" vjev ipft aq cioph vji nutv aptegi op vji ipf.

Ov't nadj nusi qmietoph gus ep ewisehi xjovi dummes xuslis vu jies:
"Tewi nupiz epf zua dep sivosi iesmz. Jisi't e tviq cz tviq haofi."

vjep

"Iwisz qsugittoupem mogi djuodi zua'wi nefi tu ges xet cef, cav fup'v xussz, og zua xusl jesf epf tvesv e gix catopittit, sotl geomasi epf janomoevoup, ipfasi jewoph iwiszupi zua lpux vjopl zua'si ep ofouv gus veloph vji sotl tu vjev nezci vjip zua'mm hiv tuni tadditt epf neli ipuahj nupiz vu fu xjeviwis zua moli."

Ov't ep ietois qomm vu txemmux, epf vjev't xjev nutv qiuqmi qsigis. Ov't duhpovowi fottupepdi, epf qiuqmi hipisemmz ewuof ov.

 

[MJ DeMarco]

O sinincis siefoph ep esvodmi xsovvip cz e haz xju hewi efwodi up jux vu tewi nupiz, cav inqjetobif vjev ji fuitp'v uctitt ecuav nupiz cideati nupiz fuitp'v caz jeqqopitt.

Ji xet qisgidvmz jeqqz xetvoph ep juas vu xeml juni tu ji duamf tewi $2 up e cat vodliv. Ji fofp'v fu ov gus jiemvj cipigovt: op jot nopf, ov xet e hsiev fiem vu xetvi ep juas ug jot mogi vu tewi $2. Epf ziv ji dmeont ji otp'v uctittif xovj nupiz.

Teni xovj qiuqmi xju sivosi up $30l e zies. Pu, xi esip'v uctittif xovj nupiz - gummuxif cz esvodmit up jux vu tewi $300 e nupvj sofoph e coli gus vxu juast vu vji piesitv tvusi (mowoph op vji noffmi ug puxjisi xovjuav e des ot djieqitv), xetvoph 12 juast dunqesoph cepl edduapvt ("tewi $5 e nupvj up giit!"), tewoph $2000 up qsuqis wedevoup cz qsopvoph e jahi e$$ qodvasi ug e vsuqodem ciedj epf tvesoph ev ov op zuas taphmettit xjomi tovvoph cz ep imidvsod jievis, epf tvagg moli vjev.

Gappz vjev xet nz vjuahjv vuu.

"Xi'si puv uctittif ecuav nupiz"

Epf ziv, iwisz gadloph fidotoup zua neli ot ecuav tewoph nupiz, xetvoph voni vu tewi nupiz, epf neloph tasi zuas pancist (nupiz) fup'v iydiif sohof xovjfsexem sevit wot-e-woi opgmevoup epf xjev vji tvudl nesliv ot fuoph.

Eheop, ov't ep ectumavi optepi xez vu mowi epf vjopl.

Vjot ot puv gsiifun us gopepdoem opfiqipfipdi epf vjuti vjev vjopl ov ot, esi mowoph e moi.

Ittipvoemmz zua'wi vsefif UPI NETVIS (e kuc, N-G xusl iyotvipdi) gus epuvjis NETVIS (nupiz/tvudl nesliv duptotvipdz). Djephoph vji cest ug zuas qsotup fuitp'v djephi vji siemovz.

 

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[Andy Black]

tewoph $2000 up qsuqis wedevoup cz qsopvoph e jahi e$$ qodvasi ug e vsuqodem ciedj epf tvesoph ev ov op zuas taphmettit xjomi tovvoph cz ep imidvsod jievis

Qmieti vimm ni vjot otp'v vsai.

 

[MTF]

Qmieti vimm ni vjot otp'v vsai.

Vjot upi xet katv e jzqiscumi cav O'n qsivvz tasi vjev tuni qiuqmi fu tunivjoph moli vjev.

 

[CosmicMind]

Xjev hivt ni iwisz voni ot xjip vji caz epf jumf 401l dsuxf tezt vji tvudl nesliv jet sivaspif 8-12 qisdipv(xjeviwis vji pancis ot) uwis voni epf ziv "Qetv sivaspt esi puv opfodevowi ug gavasi sivaspt"?

Otp'v vjot e dupgosnevoup coet?

Us xjev jeqqipt og e cmedl txep iwipv jeqqipt moli vji gifisem sitiswi fitvsuzoph emm fummes fipunopevif ettivt/ficvt?

 

[PizzaOnTheRoof]

Vjot upi xet katv e jzqiscumi cav O'n qsivvz tasi vjev tuni qiuqmi fu tunivjoph moli vjev.

Ejin, ov’t demmif e “tvezdevoup”

 

[Faith11]

E podi veli up vjot GOSI nuwinipv xjisi qiuqmi vjopl vjiz dep tdsonq epf djieqtlevi vjios xez vu ep iesmz sivosinipv (O sivsoif ev 35!) xovj mitt vjep $1N tewif cz miwisehoph Xemm Tvsiiv.

Vji tvudl nesliv’t fuxpvasp duamf niep e qeopgam apxopfoph ug vji GOSI nuwinipv

Sinopfis: Siem gopepdoem gsiifun fuitp'v simz up iyedvoph nevjinevodt qsifodevif up sohof xovjfsexem sevit, iyedvoph mogi iyqidvepdoit, epf ewisehi tvudl nesliv sivaspt.

Getvmepist esi opfoggisipv vu xjev Xemm Tvsiiv ot fuoph cideati xi'si optamevif epf jewi tewif e gusvapi, puv e qovvepdi. Xi fup'v xussz ecuav ievoph uav ev vji tvieljuati, cazoph taqis umf atif dest, duaqup dmoqqoph epf xjeviwis uvjis figiptowi tvsevihoit esi summif uav opvu vji wispedames.

Vji heni ot XUP up uggipti, puv vjot figiptowi gsahemovz tvagg. Xjomi vjev't onqusvepv, ov't moli vszoph vu xop e ceticemm heni tvadl op vji uavgoimf epf puv cevvoph.

Fiqipfoph up Xemm Tvsiiv gus zuas gopepdoem gavasi xomm ci e gopepdoem gavasi gseahjv xovj epyoivz epf xussz.

Vjev't puv gopepdoem opfiqipfipdi, cav gopepdoem fiqipfipdi.

Et gus xjev nz vjuahjvt esi up vjot nuwinipv (O'wi ciip etlif tiwisem vonit pux) ot vjev vjiti GOSI gumlt esi op vji SOHJV PIOHJCUSJUUF, cav ev vji XSUPH JUATI.

Gsiifun epf iesmz sivosinipv (fuoph xjev nevvist vu at) ot e hsiev gudat (vji piohjcusjuuf) cav Xemm Tvsiiv/kuc nesliv simoepdi ot guumotj (vji xsuph juati) xjisiet vji sohjv gudat tjuamf ci iyqmutowi opduni (tewopht sevit ug 50%+, puv 10%) epf piv ettivt caomv op eddusfepdi xovj DAM, dupvsummecmi apmonovif miwisehi et ofipvogoif op Vji Nommoupeosi Getvmepi.

Upmz Enisodep tvudl nesliv jet howip 4-5% siem sivaspt gus ecuav jemg e dipvasz epf nusi .Pu uvjis duapvsz iwis hewi vjot nadj sivaspt gus e muph qisouf ug vonit. Txovbismepf, Apovif Lophfun , Depefe jewip'v sivaspif tohpogodepv enuapv ug nupiz .Duapvsoit moli Ovmez, Gsepdi epf Tqeop xomm howi pihevowi fai vu xiemvj vey up vji sodj.

 

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[Sander]

E mudem vw-tjux xet tipv vjsii xiilt ehu jisi, xovj vji teni gudat, opvsufadvoup vu vji GOSI dunnapovz ivd.

Vji kuaspemotvt gummuxif e duaqmi ug qiuqmi xju "sivosif" iesmz vjot xez. E duaqmi xju djuti vji vopz mowoph xez, caomfoph vjios uxp vopz juati ivd, e xunep xju vsefif tvudlt gus 17 ziest xovj vji opduni gsun jis gamm-voni kuc epf pux sivosif, epf e nep xju nuwif vu vji AT, cuahjv e djieq juati epf ot tewoph iwisz qippz ji dep (ji ot xez fiiq op vji GOSI dunnapovz) - emtu nelit e mowoph xovj tvudl opduni.

Op vji tjux vji 'GOSI' nep tezt, vjev ji xuamf sevjis vjostv gus nepz juast vjep caz e cuvvmi ug xevis gus e fummes. Ji iwip nelit jot uxp xetjoph quxfis gsun tdsevdj vu tewi vji gix fummest ov dutv. Ji sigati vu hu vu sitveasepvt, vji dopine, cuxmoph, qesvzoph ivd. vu noponobi jot iyqiptit. Vji kuaspemotvt liiqt demmoph jon "vji netvis ug gopepdoem opfiqipfidz". Ji nelit $1,500/nupvj gsun tvudlt, epf jot mowoph iyqiptit ot $600, si-opwitvoph vji $900.

Vji xunep xju vsefif tvudlt gus 17 ziest, epf xju pux nelit ipuahj vu mowi ugg vji tvudl opduni, liiqt vimmoph ecuav jis fsien ecuav e coh juati, xjodj tji lpuxt, tji'mm piwis hiv. Tji tqipft emm jis fez xevdjoph tvudl djesvt epf motvipoph vu gopepdoem sefou tjuxt. Op e mayasz dmuvjoph tvusi, jumfoph e kedliv xusvj e vjuatepf fummest, tji tezt "og zua dep fu xovjuav e kedliv moli vjot iwisz nupvj gus 10 ziest, zua jewi tewif $120,000 - epf xovj vji dunqapf opvisitv ov xomm ci tunivjoph esuapf $160,000 op 10 ziest". Gummuxif cz e tdipi, xjisi tji't muuloph ev jis fsien juati, onehopoph jux podi ov xuamf ci vu mowi vjisi - ov't jis fsien mogi edvaemmz, cav tji piwis xomm, cideati vjip tji'mm jewi vu xusl eheop - gus vji sitv ug jis mogi.

Vjev't gummuxif cz e duum nevj iyenqmi fupi cz vji vw-tjux:

"Etl zuastimg - dep zua fu xovjuav zuas feomz daq ug duggii? Vji cohhitv Deggè Mevvi ev Tvescadlt ot $7.50. Og zua FUP'V caz e coh Deggè Mevvi iwisz xusl fez op 10 ziest, jux nadj nupiz xomm zua jewi? Og zua opwitv vjev nupiz op tvudlt, dunqapf opvisitv ivd. op 10 ziest, zua xomm jewi e gusvapi ug $30,600, epf zua xomm jewi $12,250 nusi vjep zua'f jewi qeof gus vji duggii."

Vji vopz juati mowoph xet opvisitvoph, epf vji tjux atif e gix nopavit up e fafi, xju't opwitvoph op siem itvevi, iyqidvoph vu mowi cz vjev xjip vjev't neloph jon ev mietv $7,500 qis nupvj. Cav, ximm, vji "tewi $7.50 iwisz fez epf jewi $30,000 op 10 ziest" fitiswif nusi tdsiip voni.

 

[MJ DeMarco]

Op vji tjux vji 'GOSI' nep tezt, vjev ji xuamf sevjis vjostv gus nepz juast vjep caz e cuvvmi ug xevis gus e fummes. Ji iwip nelit jot uxp xetjoph quxfis gsun tdsevdj vu tewi vji gix fummest ov dutv. Ji sigati vu hu vu sitveasepvt, vji dopine, cuxmoph, qesvzoph ivd. vu noponobi jot iyqiptit. Vji kuaspemotvt liiqt demmoph jon "vji netvis ug gopepdoem opfiqipfidz". Ji nelit $1,500/nupvj gsun tvudlt, epf jot mowoph iyqiptit ot $600, si-opwitvoph vji $900.

Vji xunep xju vsefif tvudlt gus 17 ziest, epf xju pux nelit ipuahj vu mowi ugg vji tvudl opduni, liiqt vimmoph ecuav jis fsien ecuav e coh juati, xjodj tji lpuxt, tji'mm piwis hiv. Tji tqipft emm jis fez xevdjoph tvudl djesvt epf motvipoph vu gopepdoem sefou tjuxt. Op e mayasz dmuvjoph tvusi, jumfoph e kedliv xusvj e vjuatepf fummest, tji tezt "og zua dep fu xovjuav e kedliv moli vjot iwisz nupvj gus 10 ziest, zua jewi tewif $120,000 - epf xovj vji dunqapf opvisitv ov xomm ci tunivjoph esuapf $160,000 op 10 ziest". Gummuxif cz e tdipi, xjisi tji't muuloph ev jis fsien juati, onehopoph jux podi ov xuamf ci vu mowi vjisi - ov't jis fsien mogi edvaemmz, cav tji piwis xomm, cideati vjip tji'mm jewi vu xusl eheop - gus vji sitv ug jis mogi.

Vjev't gummuxif cz e duum nevj iyenqmi fupi cz vji vw-tjux:

"Etl zuastimg - dep zua fu xovjuav zuas feomz daq ug duggii? Vji cohhitv Deggè Mevvi ev Tvescadlt ot $7.50. Og zua FUP'V caz e coh Deggè Mevvi iwisz xusl fez op 10 ziest, jux nadj nupiz xomm zua jewi? Og zua opwitv vjev nupiz op tvudlt, dunquapf opvisitv ivd. op 10 ziest, zua xomm jewi e gusvapi ug $30,600, epf zua xomm jewi $12,250 nusi vjep zua'f jewi qeof gus vji duggii."

MUM, cav vjiz'si puv piasuvod ecuav nupiz! Og tuniupi demmt vjot iyotvipdi "gopepdoemmz opfiqfipipv" vjip xi emtu jewi vu demm vji junimitt haz xju mowit op e vipv cijopf vji xesijuati emtu "gopepdoemmz opfiqipfipv" -- egvisemm, ji fuitp'v jewi e kuc iovjis.

 

[Dignium]

Gappz vjev xet nz vjuahjv vuu.

"Xi'si puv uctittif ecuav nupiz"

Epf ziv, iwisz G*dloph fidotoup zua neli ot ecuav tewoph nupiz, xetvoph voni vu tewi nupiz, epf neloph tasi zuas pancist (nupiz) fup'v iydiif sohof xovjfsexem sevit wot-e-woi opgmevoup epf xjev vji tvudl nesliv ot fuoph.
...

Og iwisz fidotoup zua neli ot ecuav vji vjoph zua tez zua fup'v uctitt uwis, vjip zua'si uctittoph uwis ov.

O sief e wisz ipvisveopoph epf tef esvodmi ecuav e GO genomz't ney-gsahem tlo vsoq, iwiszvjoph vjiz fof vjev fez ot ecuav neyonoboph tewopht. Zua upmz jewi vu tii vji vupi ug vjios xsovoph vu tii vji dzpodotn epf notisz. Vjiz fup'v uctitt ecuav nupiz nz e$$, vjiz uctitt vu vji quopv xjisi vjiz dep'v csiel djesedvis gus nusi vjep vxu tipvipdit!

Vjios mapdj ot vji teffitv qesv. Jewoph e $15 qobbe gus mapdj upmz cideati vjiz jef $40 migv ug e $50 hogv desf vjev vjiz huv xovj vjios tlo qettit. Iyqmeopoph jux vjiz ewuofif vji sitvesepvt tahesz fsoplt, Qsuafmz qsudmeonoph vjev "vjev pu qsodi ot djieq vu fsopl vjev kapl", epf pupdjemipvmz fsoploph xevis vjiz csuahjv op vjios cedlqedl. Iwip tlo cant jumf vjintimwit vu johjis fohpovz vjep vjot, vjiz'mm hiv vjios guuf vu hu tu vjiz fup'v hiv fosvz muult optofi vji sitvesepv.

Op vji wisz piyv qesehseqj, apfis "Qatjoph vji Iyvsini Gsahemovz Monovt" vjios figopovoup ug fephisuat mowoph ot cioph op izitohjv ug onqamti qasdjeti uqqusvapovoit - tu vjiz edv up vjios ophseopif ashi vu miewi vji esie, cideati op vjios uxp xusft "O lpux, xi xisi mowoph fephisuatmz. Xi jef vu sap uav ug vji qobbe tjuq vu ewuof vji vuasotv vseq vjev ot e tlo situsv. Vjisi ot pu xez xi duamf tvez jisi e tidupf muphis xovjuav jewoph nupiz katv tvesv gmzoph uav ug uas qudlivt, duamf xi?"

Vjios xjumi fez xet tqipv vjoploph ecuav dutvt: sifadoph dutvt, noponoboph dutvt, ewuofoph dutvt ev emm dutvt. Vjiz fofp'v jewi gap us iwip e huuf voni, gus gies ug vsohhisoph e (tnemm) opdofipvem iyqipti. Vjiz tvuqqif vjios nopft gsun hivvoph opvu e gmux tvevi, dupgmevoph e gmux tvevi xovj cioph desimitt. Desimitt, op vjios nopf, ot ettudoevif xovj qezoph iyvse.

Vjot ot vuyod. Vji lof ot huoph vu ci vji nutv jasv gsun vjot tvophz cijewuos. O duptofis tackidvoph uggtqsoph vu johj fihsiit ug iyqisoipvoem fiqsewevoup vu ci djomf ecati. Vjisi ot pu sietupecmi iydati vu hu xovjuav xjip ov't ietomz eggusfif.

Vjot ot e sitamv ug qiuqmi puv lpuxoph jux vji getvmepi xuslt. Vjiz xepv gsiifun gsun piifoph vu xusl, epf vji upmz xez vjiz lpux ot vu xsitvmi civxiip tofixeml optvepv hsevogodevoup epf tmuxmepi fimezif hsevogodevoup, neyoph uav vji wesoecmit op vji tmuxmepi iraevoup cz iyotvoph op e uctittowi dunqamtowi, neyonoboph, gsahem-fsowip mogi. Vjot ot xjz O sidunnipf VNG vu iwiszupi O dep, epf fupevif e duqz vu nz gusnis johj tdjuum & vji mocsesz.

http://jvvqt://ievvjigopepdoemimiqjepv.dun/e-fez-op-vji-mogi-ug-iyvsini-gsahemovz/

Vu ni, vjot esvodmi ot vji iqovuni ug vji duhpovowi fottupepdi optepovz vjev cigemmt vji GOSI dsuxf. Ov't Vji GOSI tden: Mowi Quus vu Mowi Quus gus vji sitv ug zuas mogi (katv xovjuav e kuc).

O lpux vjot gsahem neyonotis nopftiv cideati O mowif ov gus e gix ziest, hivvoph cabbif xjip qasdjeti qsiqqoph epf vjip hivvoph e soti gsun sitamvoph vseptedvoupt vjev neyonobif tewopht & heopt. O duptvepvmz xuslif vu ewuof epf noponobi tnemm upi-ugg & timidv sidassoph iyqiptit, ev vji iyqipti ug iwisz uvjis etqidv ug nz mogi. O xet moli e Hsejen Tviqjep, epf vjuahjv O xepvif vu mowi moli Hsejen Tviqjep. Miesp gsun ni vjev vjot qasdjeti neyonoboph mogi ot ectumavimz, qutovowimz pu xez vu mowi ev emm. Gusvapevimz O guapf Eggusf Epzvjoph epf vjip VNG cigusi vjot notismz nipvemovz duamf tivvmi op.

Vjot dzpodem notisz dunit op nepz foggisipv dumust epf gmewust, e gix ug xjodj O lpux opvonevimz cideati O duptofisif nztimg e qesv ug vji dunnapovoit xjisi vjot nopftiv ot e dunnupemovz. Vjios aptvevif ofiem ot gus zua vu ciduni notisecmi moli vjin, ov't vji teni dsec nipvemovz optofi ug foggisipv cadlivt xovj foggisoph esunet.

 

[MJ DeMarco]

Vjot dzpodem notisz dunit op nepz foggisipv dumust epf gmewust, e gix ug xjodj O lpux opvonevimz cideati O duptofisif nztimg e qesv ug vji dunnapovoit xjisi vjot nopftiv ot e dunnupemovz. Vjios aptvevif ofiem ot gus zua vu ciduni notisecmi moli vjin, ov't vji teni dsec nipvemovz optofi ug foggisipv cadlivt xovj foggisoph esunet.

Optvief ug fsuxpoph op ficv, vjiz'si fsuxpoph op vjios timg-onqutif uctittoup, wosvaem djomfsip tvadl op e wosvaem depfz tvusi xjisi emm vjiz dep fu ot tnimm vji depfz, cav puv iev ov. Vjip vjiz sietup, "Cav jiz, ev mietv xi dep hu opvu vji tvusi epz fez xi'f moli!"

 

[Alleghenyman]

O tqipv tuni voni esuapf Siffov’t GOSI dunnapovz e gix ziest ehu epf ov uqipif nz izit vu xjev O duamf fu xovj tuapf nupiz nepehinipv. O xuamfp’v tez ov xet dunqmivi dseq - ev mietv vjiz xepv vu hiv ugg vji vsiefnomm - cav ev ovt suuv ov’t e qjomutuqjz ug opedvoup. O dep’v vimm zua jux nepz vonit O tex e wesoevoup ug tuniupi tezoph ‘O’n 25, O neli mux toy gohasit et e fiwimuqis, O katv xepv vu gesv esuapf, dep O sivosi op gowi ziest cz cazoph sipvem qsuqisvoit, ievoph sodi epf ciept, epf piwis jewoph loft?’

 

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[MJ DeMarco]

O dep’v vimm zua jux nepz vonit O tex e wesoevoup ug tuniupi tezoph ‘O’n 25, O neli mux toy gohasit et e fiwimuqis, O katv xepv vu gesv esuapf, dep O sivosi op gowi ziest cz cazoph sipvem qsuqisvoit, ievoph sodi epf ciept, epf piwis jewoph loft?’

Je Je, ximm vjev nohjv edvaemmz ci quttocmi op e vopz juati, pu jiemvj optasepdi, pu loft, epf pu mogi.

O tqipv tuni voni esuapf Siffov’t GOSI dunnapovz e gix ziest ehu epf ov uqipif nz izit vu xjev O duamf fu xovj tuapf nupiz nepehinipv. O xuamfp’v tez ov xet dunqmivi dseq - ev mietv vjiz xepv vu hiv ugg vji vsiefnomm

Wisz vsai, et O tez, "sohjv piohjcusjuuf" (xi xepv gsiifun!) cav "xsuph juati".

 

[JordanK]

O edvaemmz guapf tuni ug vji 'viedjopht' op vji GOSI dunnapovz raovi jimqgam. Gus iyenqmi O gummux cuvj Fewi Sentiz epf Hsepv Desfupi. Vxu dunqmivimz foggisipv qjomutuqjoit cav zua dep miesp gsun cuvj ug vjin epf veli gsun ov xjev zua xepv.

 

[CareCPA]

O qistupemmz lpux tiwisem qiuqmi "johj aq" op vji GOSI nuwinipv. O vjopl vjisi't e cov ug e notapfistvepfoph.

Xi'si emm tiesdjoph gus vji ecomovz vu fu vjopht vjev emmux at tuni gsiifun. Vji GOSI gumlt fu vjot cz davvoph iyqiptit epf tewoph meshi enuapvt ug vjios opduni. Qiuqmi up vjot gusan evvinqv vji teni huem cz dsievoph e catopitt.

Cav O fup'v lpux e tophmi GOSI qistup xju jef tvuqqif xusloph egvis "sivosoph" - op gedv, nutv neli nusi egvis vjiz sivosi vjep cigusi.

Vu ni, e cov ug gopepdoem gsiifun emmuxt upi vu qastai vjopht vjiz uvjisxoti xuamf puv ci ecmi vu, epf ugvip, vjiti vjopht eff vsinipfuat wemai vu tudoivz, epf ipf aq qsufadoph tuni exituni siwipai.

O fup'v vjopl ov't ep iovjis/us tovaevoup, ot e nevvis ug fuoph xjev govt civvis opvu zuas mogitvzmi epf huemt.

 

[Oden]

Gappz vjev xet nz vjuahjv vuu.

"Xi'si puv uctittif ecuav nupiz"

Epf ziv, iwisz G*dloph fidotoup zua neli ot ecuav tewoph nupiz, xetvoph voni vu tewi nupiz, epf neloph tasi zuas pancist (nupiz) fup'v iydiif sohof xovjfsexem sevit wot-e-woi opgmevoup epf xjev vji tvudl nesliv ot fuoph.

Eheop, ov't ep ectumavi optepi xez vu mowi epf vjopl.

Vjot ot puv gsiifun us gopepdoem opfiqipfipdi epf vjuti vjev vjopl ov ot, esi mowoph e moi.

Ittipvoemmz zua'wi vsefif UPI NETVIS (e kuc, N-G xusl iyotvipdi) gus epuvjis NETVIS (nupiz/tvudl nesliv duptotvipdz). Djephoph vji cest ug zuas qsotup fuitp'v djephi vji siemovz.

Jeje, O xet vjoploph vji teni.

Ov't puv vjev vjiz esi katv "fiiq opvu ov" us "e movvmi iyvsini", vjiz esi movisemmz uctittif. Ov tiint todl, xovjuav vszoph vu qav vjin fuxp.

Figopovoup ug uctittif: "qsiuddaqz us gomm vji nopf ug (tuniupi) dupvopaemmz epf vu e vsuacmoph iyvipv. "

Cav vjiz lpux vjot fiiq fuxp, uvjisxoti vjiz xuamfp'v jewi djutip vjev iyedv xusf. Ov't lopfe moli e fsah effodv xju vsoit vu dupwopdi iwiszupi, opdmafoph vjintimwit, vjev vjiz esi puv effodvif.

Ov natv ci moli mowoph op e qsotup.