Hey! Thanks for stopping by Apathy Ends, my name is Chris but I go by “Mr AE” around here.
If you are short on time and want the cliff notes: I love writing, reading and talking about Personal Finance. This site is all about Taking Action and becoming one of those success stories you read about instead of letting Apathy steal your ambition.
If you are interested in the longer version, continue on!
After we graduated college we blindly moved into the “adult” phase and started living a pretty normal American life. We had a big pile of student loan debt ($85,000), a house we could barely afford, and were saving next to nothing.
If we continued down that path, we would have fueled all the standard stats on the American public. No emergency fund, No retirement savings and a Mountain of credit card debt.
We needed a wake up call, and it came from an unlikely place – a year-end student loan tax document showed we had paid over $5,000 in interest the previous year. When you are struggling to pay all your bills, seeing $5,000 of your money set on fire can give you some perspective.
Shortly after the shock, I started Googling ways to pay down Student Loan Debt faster. Those searches rapidly turned into a Personal Finance obsession that culminated in starting this site.
In the 4 years since, we have paid off over $65,000 and amassed a $100,000 in our various investment accounts. Our savings rate hovers around 39% of our after-tax income and we should be debt free by the end of 2018 (outside our mortgage).
Start Today – Perfect Later
I found out pretty quickly that just reading about money doesn’t yield measurable results, you have to Take Action.
Managing money is as complex as you make it. You are not going to be an expert on day 1, but that doesn’t mean you can’t start doing something today. Pay extra towards your debt or invest more in your 401k now, you can adjust and iterate as your knowledge and confidence grows.
Short Version: Knowledge without action is next to worthless.
The Millennial FIRE Movement
FIRE – Financially Independent Retired Early
Nothing makes me happier than seeing fellow Millennials pursue Financial Independence. I want to destroy the stereotypes around our generations work ethic and money management skills. You don’t have to be a debt statistic. You can build a substantial nest egg in under 45 years. You DO NOT need to spend the majority of your adult life working in a job you hate.
Financial Independence goes beyond money for us, most importantly it brings Freedom. Freedom to choose if we want to work, travel or pursue passion projects.
If that sounds good to you, start taking control of your life now. The longer you wait, the harder it is.
Take Action – Apathy Ends