My Financial Independence Goals: 2020

We are officially 8 days into the the new decade, and I’ve yet to share my financial independence goals for the New Year.
Before I share my goals, I would like to clearly state my personal mission for the next decade. I plan to use this statement as a rudder to direct ALL my decisions for the foreseen future.

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Welcome W-T-Fi’ers

Welcome W-T-Fi’ers. I’m a 25 year-old millennial from Atlanta, GA. After 3 years with a “real” job, I quit, moved to Shenzhen, China (aka the “Silicon Valley of Hardware”) and began to teach English as a Second Language (ESL).  (Did I mention I’m a millennial?) One thing I haven’t changed is my coveted goal of reaching Financial Independence (FI). This blog is about my path to reach FI, and maybe a few travel and expat experiences along the way. Enjoy!   


My goal is to reach FI in ten years (2029). With annual expenses of $24,000 (USD) per year. Using the basic rule of 25x times your annual expenses, I will need approximately $600,000 (USD) to never have to trade my time for money again.  


 I first discovered the FI “rabbit hole” when I was 16 years old. I was working a summer internship at my local water department.  The internship went well but, I spent most of my time surveying old pipes in bad parts of town. Fortunately, I made friends with the construction crews. One day, one of said crew members, “Big Mike”, introduced me to Dave Ramsey while we were eating lunch in the truck.  I heard a loud-mouthed, big personality, radio guru who preaches about the benefits of living a life with no debt. This was my first exposure to personal finance. I was hooked! I spent every free moment absorbing personal finance blogs, podcasts, and books. Unfortunately, even with this knowledge, I managed to accumulate more than 40k (USD) in student loan debt. I was so disappointed in myself that when I graduated college and got my first “real” job, I paid off 30k of my debt. And I won’t stop there.

Thank you for taking the time to join me on my path.  Feel free to comment and give me ANY feedback, suggestions, or encouragement to reaching my goal. 

-Mr. W-T-FI

Hello from Shenzhen, China