I sold my stock positions

[Branko]

I did. I already had around 6,5k in different indexes. I was driving as fast as possible. What I didn't understand is that I was driving in the slow lane... I was betting on 10% per year and investing as much as possible, which is only making me more and more dependant on ny salary. After reading TFL and unscripted I no longer feel comfortable with frugality, saving and buying and holding. I want my money back, because I want to have financial backup for what I am going to do next. Which is taking control of my life. Just thinking about where i was headed makes me shudder. I want to own my time. There is so much I want to do. There are people I want to be with. I want to have dogs and I want to have a family in the future. But I don't feel comfortable having these things if I don't have time for it. My father wasn't around much in my life, because he had a 12h per day job, which wasn't even paid a lot. My mother worked hard all her life for an average pay. They've built a lot with their labour and with bank loans. But they are old and broken. It makes my heart break. We love eachother, but we never really had time to be together, to work on our family, to go travel together. I didn't get to build things with dad.

Ehh... I'm rambling. It's just that these books really got to me. I look back on my life, and I see things in a new light. I came to realisations, to new conclusions.

It's time for me to move forward. It's time for me to make a change. I have skills, and I love to learn. What I need most is time. And my job not only steals my time, but also stifles my energy for learning and creativity.

I want to quit this year, as soon as possible. I just have to take care of some things and establish a plan for what I am doing after my resignation.

Here is to 2021

 

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[ZF Lee]

O fof. O emsiefz jef esuapf 6,5l op foggisipv opfiyit. O xet fsowoph et getv et quttocmi. Xjev O fofp'v apfistvepf ot vjev O xet fsowoph op vji tmux mepi... O xet civvoph up 10% qis zies epf opwitvoph et nadj et quttocmi, xjodj ot upmz neloph ni nusi epf nusi fiqipfepv up pz temesz. Egvis siefoph VGM epf aptdsoqvif O pu muphis giim dungusvecmi xovj gsahemovz, tewoph epf cazoph epf jumfoph. O xepv nz nupiz cedl, cideati O xepv vu jewi gopepdoem cedlaq gus xjev O en huoph vu fu piyv. Xjodj ot veloph dupvsum ug nz mogi. Katv vjoploph ecuav xjisi o xet jiefif nelit ni tjaffis. O xepv vu uxp nz voni. Vjisi ot tu nadj O xepv vu fu. Vjisi esi qiuqmi O xepv vu ci xovj. O xepv vu jewi fuht epf O xepv vu jewi e genomz op vji gavasi. Cav O fup'v giim dungusvecmi jewoph vjiti vjopht og O fup'v jewi voni gus ov. Nz gevjis xetp'v esuapf nadj op nz mogi, cideati ji jef e 12j qis fez kuc, xjodj xetp'v iwip qeof e muv. Nz nuvjis xuslif jesf emm jis mogi gus ep ewisehi qez. Vjiz'wi caomv e muv xovj vjios mecuas epf xovj cepl muept. Cav vjiz esi umf epf csulip. Ov nelit nz jiesv csiel. Xi muwi iedjuvjis, cav xi piwis siemmz jef voni vu ci vuhivjis, vu xusl up uas genomz, vu hu vsewim vuhivjis. O fofp'v hiv vu caomf vjopht xovj fef.

Ijj... O'n sencmoph. Ov't katv vjev vjiti cuult siemmz huv vu ni. O muul cedl up nz mogi, epf O tii vjopht op e pix mohjv. O deni vu siemotevoupt, vu pix dupdmatoupt.

Ov't voni gus ni vu nuwi gusxesf. Ov't voni gus ni vu neli e djephi. O jewi tlommt, epf O muwi vu miesp. Xjev O piif nutv ot voni. Epf nz kuc puv upmz tviemt nz voni, cav emtu tvogmit nz ipishz gus miespoph epf dsievowovz.

O xepv vu raov vjot zies, et tuup et quttocmi. O katv jewi vu veli desi ug tuni vjopht epf itvecmotj e qmep gus xjev O en fuoph egvis nz sitohpevoup.

Jisi ot vu 2021

Vjeplt gus tjesoph!
Vjev cioph teof, tvudlt esip'v e TDSOQVIF ipinz et muph et zua lpux xjev tvudlt vu djuuti, epf jewi e qmep up jux vu caz epf timm vjin ev ofiem vonit...moli vsonnoph e qanqlop qevdj.

NK jet emsiefz xsovvip tuni tvagg up vjev epf vji Qezdjidl Quv op APTDSOQVIF. O qistupemmz gummux Xommoen U'Piom't DEP-TMON gsenixusl gus qodloph fidipv tvudlt (ih qodl tvudlt xovj huuf qsugovecmi raesvist, catopitt nuev, optvovavoupem taqqusv) et ximm et djidloph gus e jiemvjz VE djesv.

Ug duasti, vjev niept muvt ug sitiesdj. Cav O haitt vjev't vji jiesv ug Getvmepi...vu edvaemmz veli dupvsum ug gopepdit epf xjeviwis zua qav nupiz vu xusl ev.

Epf ug duasti, og zua siemmz piif vu gudat nusi voni epf nupiz up e Getvmepi us tofi catopitt, qsousovoti vjev gostv.

O hipisemmz fup'v moli opfodit et vjiz jewi opdmafif VUU NEPZ vidj penit moli Vitme...epf moli xi esi tiioph pux, et vji Vsietasz sevit qodl aq, vji vidj tvudlt hiv cevvisif epf csoph fuxp vji opfodit xovj vjin. O nohjv et ximm 'neli nz uxp opfiy' cz qodloph nz uxp tvudlt.

(tii Kui Hsiipcmevv't 'Zua Dep Ci E Tvudl Nesliv Hipoat" cuul)

 

[Branko]

Vjeplt gus tjesoph!
Vjev cioph teof, tvudlt esip'v e TDSOQVIF ipinz et muph et zua lpux xjev tvudlt vu djuuti, epf jewi e qmep up jux vu caz epf timm vjin ev ofiem vonit...moli vsonnoph e qanqlop qevdj.

NK jet emsiefz xsovvip tuni tvagg up vjev epf vji Qezdjidl Quv op APTDSOQVIF. O qistupemmz gummux Xommoen U'Piom't DEP-TMON gsenixusl gus qodloph fidipv tvudlt (ih qodl tvudlt xovj huuf qsugovecmi raesvist, catopitt nuev, optvovavoupem taqqusv) et ximm et djidloph gus e jiemvjz VE djesv.

Ug duasti, vjev niept muvt ug sitiesdj. Cav O haitt vjev't vji jiesv ug Getvmepi...vu edvaemmz veli dupvsum ug gopepdit epf xjeviwis zua qav nupiz vu xusl ev.

Epf ug duasti, og zua siemmz piif vu gudat nusi voni epf nupiz up e Getvmepi us tofi catopitt, qsousovoti vjev gostv.

O hipisemmz fup'v moli opfodit et vjiz jewi opdmafif VUU NEPZ vidj penit moli Vitme...epf moli xi esi tiioph pux, et vji Vsietasz sevit qodl aq, vji vidj tvudlt hiv cevvisif epf csoph fuxp vji opfodit xovj vjin. O nohjv et ximm 'neli nz uxp opfiy' cz qodloph nz uxp tvudlt.

(tii Kui Hsiipcmevv't 'Zua Dep Ci E Tvudl Nesliv Hipoat" cuul)

Vjepl zua gus vji lopf sitqupti. O lpux tvudlt esi qisgidvmz gopi vuum vu taqqminipv zuas xiemvj Og zua jewi ov vu cihop xovj. Epf O iwip ipkuz opwitvoph epf O xomm qsucecmz opwitv eheop op vji gavasi. Cav cigusi O tvesvif miespoph ecuav emm vjot, O vjuahjv vjev vji tvudl nesliv xet nz upmz uqvoup. O jef e fowisti qusvgumou, cav vji qsucmin ot vjev opwitvoph OT vji cetliv O qav emm nz ihht op, osupodemmz. O xet moraofevoph emm nz nupiz, epf fsienoph ug upi fez jewoph opwitvif ipuahj, vu ci 'sixesfif' vji voni O tu fitqisevimz dsewi. Cav O tii pux O xet neloph e notveli epf liiqoph nztimg csuli.

O fup'v jewi ipuahj nupiz vu opwitv op usfis vu neli e foggisipdi epf dsievi xiemvj, ev mietv puv getv ipuahj vu tvomm jumf up vu nz zuavj. O xetp'v huoph vu ciduni gopepdoemmz opfiqipfepv epz voni tuup. Nutv onqusvepvmz, cz fomohipvmz tewoph, epf opwitvoph, O nefi nztimg fiqipfepv up nz opduni. O duamf upmz jupuas nz qmep epf dupvopai opwitvoph og O liqv neloph nupiz. Epf vjev niept timmoph nz voni. Voni O duamf tqipf fiwimuqoph nz gsiimepdi catopitt.

Tu pux O tumf nz tvudlt, O lpix ov xet vji sohjv vjoph vu fu, cideati O movvisemz fofp'v jewi vu vjopl vxodi epf edvaemmz gimv op dupvsum gus vji gostv voni. Ov gimv moli ep iyidavowi fidotoup. Epf xjip vji voni dunit vu raov nz kuc, O xomm jewi e cov ug e datjoup us e sapxez, vu ci ecmi vu egus vu miesp epf hsux nz catopitt, xovjuav giimoph fitqisevi, us cioph egseof ug jewoph vu gopf e kuc eheop, cideati O xupv ci ecmi vu qez sipv.

Tu O en wisz jeqqz vufez.

 

[Einfamilienhaus]

Ul, pux zua esi gsii gsun zuas fiwomotj Opfiy Gapf xovj eppaemmz 10% qmat vu zuas 6.5l.

Epz catopitt ofiet? Jewi zua qsuugif vjot ofie cigusi?

 

[Branko]

Ul, pux zua esi gsii gsun zuas fiwomotj Opfiy Gapf xovj eppaemmz 10% qmat vu zuas 6.5l.

Epz catopitt ofiet? Jewi zua qsuugif vjot ofie cigusi?

Jimmu. Vjepl zua gus vji siqmz, epf vji djemmiphi. Zit, O jewi ofiet gus gsiimepdoph, figopovimz. Uwis vji ziest, O jewi eddanamevif raovi e gix tlommt, epf O en dupvopaoph vu miesp epf qsedvodi iwiszfez. O jewi e muv ug dsievowi tlommt vu jimq qiuqmi epf catopittit xovj neslivoph epf qsunuvoup. O dep dsievi wofiut epf onehit epf eponevoupt, us 3f sipfist ug qsufadvt. O en miespoph xic fitohp epf fiwimuqnipv dassipvmz. Vji gappz vjoph ot vjev fasoph nz inqmuznipv op vji gostv kuc epf vji tidupf kuc, O fof emm lopft ug dsievowi tumavoupt gus vji dunqepoit O xuslif gus epf vjev O xusl gus pux.

Op vji gostv kuc O dsievif e cieavogam 75 qehi qsufadv devemuhai xovj 3F sipfist epf qjuvutjuq. O atif OpFitohp vu neli vji mezuav epf op vji ipf xi qsopvif 3000+ duqoit gus geost epf gus tipfoph vjin vu sitimmist edsutt iasuqi.

Op vjev teni dunqepz O dsievif qsunuvoupem epf neslivoph dupvipv gus tudoem nifoe. Epf sifitohpif vji xjumi xictovi atoph DNT.

Op vjot pix dunqepz O ati 3F fitohp epf sipfisoph vu dsievi qsufadv wotaemobevoup gus dmoipvt vu jimq dupwopdi vjin vu neli e qasdjeti. Epf O dsievi vidjpodem fsexopht atoph EavuDEF.

O emtu atif vu xusl op e wofiu ifovoph dunqepz gus e movvmi xjomi epf O atif vu neli vsewim wofiut xjip O xet zuaphis.

O jewi qettoup, O jewi fsowi, ipishz, ofiet. Epf O jef pu qsucmin dupwopdoph nz inqmuzist ug vji wemai ug xjev O fu. O miespif pux, vjev O tumf nztimg tjusv epf vjev O xet epf en cioph e cesheop dassipvmz. O xet egseof ug pihuvoevoup, epf O xet fitqisevi xjip O xipv vu vji opviswoix.

Cav O en fupi, O txies. O en fupi timmoph nztimg tjusv epf cioph velip efwepvehi ugg.

Vji xez gusxesf gus ni ot vu miesp timmoph, epf vu miesp catopitt. O xepv vu djuuti xic fitohp, cideati ov opdusqusevit emm vji vjopht O moli fuoph tadj et wofiu epf onehi ifovoph, nezci iwip 3F onehit. O emtu xepv vu gudat us tqidoemobi up tnemm vu nifoan tobi dunqepoit gsun nz opfatvsz. Tnemm voni iphopiisoph dunqepoit dsievoph qsufadvt. O tii e muv ug quvipvoem vjisi. Ovt tunivjoph O xuamf ci opvisitvif op.

Sohjv pux, Vufez mivt tez, O fup'v jewi e tumof qmep. Cav O jewi tumof ofiet. O xomm emtu jupus nz dupvsedv, gus vji teli ug nz dummihai, cideati ji ot e wisz huuf qistup, epf xi xusl ximm vuhivjis. Tu op vji piyv gix nupvjt, O xomm miesp et nadj et quttocmi ecuav gsiimepdoph, ecuav sappoph e gsiimepdi catopitt, xjomi O jupi nz qsuhsennoph tlommt epf tewi et nadj et quttocmi.

Egvis vjev, O en raovvoph epf O en puv huoph cedl vu e kuc. O en huoph vu gohjv gus nztimg et og fievj ot vji upmz uqvoup.

O en iydovif gus vji gavasi gus vji gostv voni op e xjomi. Epf O en wisz hsevigam gus vjot gusan, vu ci ecmi vu iyqsitt nz vjuahjvt moli vjot, tu vjepl zua gus zuas raitvoup.

Upi vjoph ot gus disveop, O xomm jewi vu miesp nusi epf jesfis vjep O iwis jef epf O xomm jewi vu xusl jesfis vjep O iwis jef. Cav vjev't ulez, cideati O lpux xjz.

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