Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
FI forums for Simple People
Old 11-21-2021, 08:16 AM   #1
Confused about dryer sheets
 
Join Date: Nov 2021
Location: Augusta
Posts: 6
FI forums for Simple People

Does anyone know of any online forums where the majority of the members are people like myself who are Low Class or Lower Middle Class who would like to try and obtain FI?

In my Google search, I have only found forums like this one and others that are geared more for Rich people. Thanks for your help.
All Is Lost is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-21-2021, 08:21 AM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 5,235
Quote:
Originally Posted by All Is Lost View Post
In my Google search, I have only found forums like this one and others that are geared more for Rich people. Thanks for your help.
Some of us do not consider ourselves rich at all. You could do a lot worse than looking around here.

On a side note: It is better to take advice from folks one considers successful, than from those who are not. "SWR 2021"
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
ShokWaveRider is offline   Reply With Quote
Old 11-21-2021, 08:26 AM   #3
Thinks s/he gets paid by the post
VanWinkle's Avatar
 
Join Date: Oct 2017
Location: Morton
Posts: 1,908
Quote:
Originally Posted by All Is Lost View Post
Does anyone know of any online forums where the majority of the members are people like myself who are Low Class or Lower Middle Class who would like to try and obtain FI?

In my Google search, I have only found forums like this one and others that are geared more for Rich people. Thanks for your help.
Everyone here is not "rich" and many started out just like you. You can
learn the same lessons to become more successful towards FI by paying attention to what you read here. Not all will apply to your situation, but most of it will help you on your road to FI.

Don't give up on the dream,

VW
__________________
Retired May 13th(Friday) 2016 at age 61.
VanWinkle is offline   Reply With Quote
Old 11-21-2021, 08:32 AM   #4
Recycles dryer sheets
 
Join Date: Sep 2006
Location: clearwater
Posts: 362
correct me if i am wrong , but I think it is a case of "birds of a feather" The OP may feel more comfortable with people in a similar financial situation as h/she is . He doesn't feel that is the case here.
rothlev is offline   Reply With Quote
Old 11-21-2021, 08:36 AM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 5,235
Quote:
Originally Posted by rothlev View Post
correct me if i am wrong , but I think it is a case of "birds of a feather" The OP may feel more comfortable with people in a similar finanial situation as h/she is . He doesn't feel that is the case here.
We currently do not know what his/her financial situation is. Sometimes one needs to be out of their comfort zone to move forward. Unless they just want to stay as they are then you are correct.
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
ShokWaveRider is offline   Reply With Quote
Old 11-21-2021, 08:39 AM   #6
Thinks s/he gets paid by the post
 
Join Date: Aug 2005
Location: Crownsville
Posts: 2,842
Well, I've been called "Simple" before. As well as "Low Class". So this might just be the right place for you!
Andre1969 is offline   Reply With Quote
Old 11-21-2021, 08:41 AM   #7
Full time employment: Posting here.
racy's Avatar
 
Join Date: May 2007
Posts: 781
@All Is Lost
Here are 10 short videos from Bogleheads to, as they say, "....are about how to take control of your finances to achieve financial independence and enable your life dreams."
https://tinyurl.com/yzhbnw4h
Watch them and ask questions on this forum.
__________________
"It is better to have a permanent income than to be fascinating". Oscar Wilde
racy is offline   Reply With Quote
Old 11-21-2021, 08:41 AM   #8
Moderator
Aerides's Avatar
 
Join Date: Nov 2015
Posts: 9,613
ER.org is not geared for rich people at all. We have a diverse membership of incomes, asset levels, locations, and backgrounds. Blue Collar, White Collar, any Collar.

The whole idea of ER is to have saved enough for your personal expenses, whether that's 20k per year or 200k, doesn't really matter.
Aerides is offline   Reply With Quote
Old 11-21-2021, 08:45 AM   #9
Recycles dryer sheets
 
Join Date: May 2018
Posts: 77
Quote:
Originally Posted by All Is Lost View Post
Does anyone know of any online forums where the majority of the members are people like myself who are Low Class or Lower Middle Class who would like to try and obtain FI?

In my Google search, I have only found forums like this one and others that are geared more for Rich people. Thanks for your help.

You are welcome to stay here as long as you like. I started my financial journey from -$93,000 in 1991. If you want to be FI then you should learn from people who are FI. That's why I'm here.
monte1022 is offline   Reply With Quote
Old 11-21-2021, 08:48 AM   #10
Recycles dryer sheets
 
Join Date: Sep 2006
Location: clearwater
Posts: 362
Quote:
Originally Posted by ShokWaveRider View Post
We currently do not know what his/her financial situation is. Sometimes one needs to be out of their comfort zone to move forward. Unless they just want to stay as they are then you are correct.



no, he does not want to stay as he is, or he would not have asked for help. And you are correct, h/she will get plenty of help here.
rothlev is offline   Reply With Quote
Old 11-21-2021, 08:49 AM   #11
Thinks s/he gets paid by the post
Souschef's Avatar
 
Join Date: Dec 2015
Location: Santa Paula
Posts: 3,519
We are certainly not rich, we live in a "trailer down by the river" as Chris Farley used to say.
The advice here is very well thought out.
__________________
Retired Jan 2009 Have not looked back.
AA 60/35/5 considering SS and pensions a SP annuity
WR 2% with 2SS & 2 Pensions
Souschef is offline   Reply With Quote
Old 11-21-2021, 09:00 AM   #12
Thinks s/he gets paid by the post
 
Join Date: Nov 2015
Posts: 2,316
Perhaps OP doesn't have the financial resources that he sees others here have. And that makes them feel "different". But I'd wager that many here started by being "simple" and lower on the financial scale of "class". And many have ended up doing well by following suggestions and walking in the steps of others here who are "successful".

But a couple quotes.

"if you want to be successful, hang around successful people"

"Never give up, constant effort is the key to success"

"A Journey of a Thousand Miles Begins with a Single Step"

And tips for gaining wealth.
https://www.clevergirlfinance.com/bl...-from-nothing/
bobandsherry is offline   Reply With Quote
Old 11-21-2021, 09:04 AM   #13
Recycles dryer sheets
GreenEggs's Avatar
 
Join Date: Jul 2019
Posts: 258
I think most forums that focus on financial topics will have a fair number of successful members. Regardless of your socioeconomic level, you can participate in, learn and benefit from the conversations. We all, here and elsewhere, are in unique individual situations. I value most everyone's perspectives, and can easily skim past the ones I don't happen to care for.

It's often obvious that a poster has a very different lifestyle than I have, but it's interesting to hear their perspective about things. It often reinforces the decisions I've made in life, even if they're boasting about things I may not have or perhaps can't afford. I've learned that money can buy you happiness, but it can simultaneously buy you headaches.

We can all afford simple pleasures. The secret is to realize their value.
GreenEggs is offline   Reply With Quote
Old 11-21-2021, 09:08 AM   #14
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 5,235
There are a lot of folks out there that attempt to, and do make a lot of money from so called "simple" people, and do, who better to sell a get rich scheme to. One in particular comes to mind. Most just take advantage of them.

Most of us started off as being "Pretty Simple", although I am not keen on the label as it implies something else.
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
ShokWaveRider is offline   Reply With Quote
Old 11-21-2021, 09:10 AM   #15
Thinks s/he gets paid by the post
The Cosmic Avenger's Avatar
 
Join Date: May 2016
Location: Mid-Atlantic
Posts: 1,987
There is a BTD thread, does anyone think we could use a leanFIRE thread/forum? I did start a LBYM thread, but it was more about things I do that I now feel like I don't HAVE to, but I still feel like I don't want to pass up...well, maybe a quarter now, rather than a penny!
__________________
-Looking to FIRE in the mid-2020s, which would be our mid-50s.
The Cosmic Avenger is offline   Reply With Quote
Old 11-21-2021, 09:12 AM   #16
Moderator
Jerry1's Avatar
 
Join Date: Nov 2014
Posts: 5,860
Quote:
Originally Posted by Souschef View Post
We are certainly not rich, we live in a "trailer down by the river" as Chris Farley used to say.
The advice here is very well thought out.
It’s a van down by the river. A trailer would be a few steps up

OP, there are plenty of people around here that made it to early retirement on the skinny side. It may be true that not many live on the extreme end of frugality here, but many got to financial independence and retired early by living below their means and maximizing savings.

It’s a very viable option to retire early buy setting your living standard in the minimalist range and there are folks here that can help with that. Other components are maximizing your income/return on your investments, maximizing things like SS and healthcare options like ACA, and optimizing taxes. There’s many here how can speak to all these factors. Ask away!

I haven’t visited them in quite some time, but you might want to take a look the Mister Money Mustache and Your Money or Your Life websites.
__________________
Every day when I open my eyes now it feels like a Saturday - David Gray
Jerry1 is online now   Reply With Quote
Old 11-21-2021, 09:20 AM   #17
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
steelyman's Avatar
 
Join Date: Feb 2011
Location: NC Triangle
Posts: 5,069
I first read the term “humblebrag” here. There’s a fair amount of it but it’s easy to recognize and take it for what it is.

Most things, though, are from real, ordinary people and real, ordinary problems/concerns.
__________________

steelyman is offline   Reply With Quote
Old 11-21-2021, 09:34 AM   #18
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
ivinsfan's Avatar
 
Join Date: Feb 2007
Posts: 8,370
I went back and read your four posts. I see you joined here this month. How many threads and posts have you read for you to draw the conclusion we are rich people?


You will find quite a few members with special needs family members. They can give good advice.



I want to remind you that LBYM or live below your means applies to both rich and middle class people the numbers might be big or small but the goal is the same.



To actually answer your question, if you think we are all rich(is that somehow a bad thing) and that we don't welcome one and all , I suspect you will not find what you are looking for in any other forum.
ivinsfan is offline   Reply With Quote
Old 11-21-2021, 09:35 AM   #19
Recycles dryer sheets
 
Join Date: Jul 2011
Location: Reading, MA
Posts: 398
The problem is partly in the mind set.
I've known a few people of limited means who figure they'll never retire and most likely have close to zero savings. (I didn't attempt to pry into the details of their finances, hence "most likely".)

So the point is, it's not the best idea to be taking financial advice from those folks, even if there was an online forum that they are involved with.

I hope that makes sense...
TheWizard is offline   Reply With Quote
Old 11-21-2021, 09:45 AM   #20
Thinks s/he gets paid by the post
 
Join Date: Sep 2017
Posts: 1,030
You might try Reddit. I believe there are lean/barista fire forums as well. Also the FI forum leans leaner.

But I agree with the posters above. Stick around here too. There is a ton of good information. There are some old threads with current/anticipated budgets and there were many with very small numbers. I’ve learned a lot from them on areas to save!

I also think this site skews older than Reddit, so while people’s nest eggs here might seem out of reach, remember they’ve had many, many years of compounding coupled with a great bull market.
tb001 is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
E-file a simple Tax return - best simple software/SS? ERD50 FIRE and Money 16 04-10-2016 11:22 AM
Oil - Simple question, Simple answer? imoldernu FIRE and Money 14 12-18-2014 03:31 PM
People who do polls about people who do polls about people in California-friendly? FUEGO Other topics 22 04-22-2009 08:57 AM
How Should Forums (Not This One, But Forums in General) Be Run? TromboneAl Other topics 15 07-03-2007 07:34 PM

» Quick Links

 
All times are GMT -6. The time now is 12:50 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.