How has your perception of time just changed over the past couple of years through this process? Check it out below, on your favorite listening platform, or read the full interview transcript below. But again, it’s always just an experiment. Brandon: 15:26 It was like just bobbing in the ocean, this vast ocean that nobody else is around me because everybody else is on the normal nine to five path and whatever. So yeah, it’s, it’s still, it’s still a process for me. You know, how are you spending your money? In Bruges. Brandon: 02:12 I didn’t even realize what was happening to be honest. And then the spending, you know, pretty much stays consistent but your income drops considerably. Is it aligned with your values? So the time management and the spending, it’s like you have to say no to some really fun and interesting stuff just so you can, you know, try to maximize and live that optimal life that you think is optimal for you. You’re getting to that goal and I hope, I hope, uh, you know, we’re very fortunate that we were able to do this in our thirties and it’s such a, such a luxury. The MacBook will take a bit of time to get used to but you’ll love it! Or now I have enough money for everything that I know I want to do in the future. It was not being happy at my job and things like that and being overworked because I was doing a free master’s degree at the time. Unsubscribe at any time. T . It’s kind of the paradox of financial freedom that, you know, since I can get up and do whatever I want, I actually feel like in some cases I have less time in order to do the things I love. And to be honest, like I look back on this and feel like a bit embarrassed by it. Brandon: 04:36 It ended up being a really good situation, so I ended up working for two years longer than I expected. It’s like you’re constantly learning things and changing, so just be flexible and you’re able to be flexible by not locking yourself into a 30-year mortgage on a McMansion that you can’t afford and you’re not flexible when you’re having to work 40 hours a week just to pay for, you know, your two leased SUV’s and things like that. This is the first year I didn’t do my own taxes and that’s because uh, I switched my business over to an S Corp and I had no interest whatsoever and learning how to do an S Corp return and all the implications of that. So I’d always slept really well. PT: I think I first discover ed you back when I was researchi ng Rot h conversion l adders. And yeah, you should optimize for now as you said, but you’re right, you’re going to be different in two years and you should optimize for them for the new you. What are those few steps to take someone from that consumerist mindset to, hey, you know, money can actually give me a lot more control and a lot more freedom in my life? It’s good to be here. How I Found Freedom in an Unfree World by Harry Browne. So that could be it? Like I’m saying yes to all this stuff. Brandon: 31:14 But for an early retiree it’s like, okay, you have this high period, this period of high income, low, hopefully decreasing spending as you’re optimizing and you’re getting more familiar with what you want to spend on and what you don’t need to spend on. Like I think about like all of the things that are in my laptop. So yeah, there’s always somebody you could hire if you don’t want to think about it. So, so yeah, I think there’s obviously some things you, some choices you can make so that you don’t screw yourself over in the future, but I completely agree that focusing on just improving for today is, is a great way to go about it. I don’t like VXUS very much, too much emerging markets holding ie 20% which I … Foul definition is - offensive to the senses : loathsome. Name *. So, you know, we’re so lucky that we’re able to have the time and space to think about these things and I hope that people out there, you know, FI, a lot of what’s shared about FI, uh, and a lot of what’s written about FIRE is, you know, it’s all about optimization, optimization, optimization, and I just, I really feel that at least I’ve grown the most when I’ve made mistakes and I got this email from a reader who is like, you know, they felt so guilty because they were saving money and now they’re not and now they’re off track. And you know, we don’t have to dive into that. I’ve actually just been using my … Brandon runs The Mad Fientist and writes about financial independence, the benefits of geographic arbitrage, and how travel can actually help you retire earlier. He books airfare with frequent-flyer miles. And you know, they don’t have to go all in. Grant: 12:38 One of the things that I’ve realized is, you know, with, with financial freedom, you get this kind of time and you get this space and one of the things I’m starting to notice just how unhappy a lot of the people are that I meet or that I see. Or, you know, I remember when I sold my first big client and I wish I’d thought I’d feel different and you know, at the end of the day you’re carrying yourself with you. So there are challenges like I said, but I, I couldn’t recommend it enough. Brandon: 00:39 Wow, that’s amazing intro. So Brandon is one of the 12 stories featured in Financial Freedom. Your email address will not be published. It’s not like you’re lowering your spending and you know, depriving yourself there. Brandon: 10:17 Yeah, absolutely. You could do that manually. See more of Mad Fientist on Facebook. You just have to keep testing it out. And then you’re just like, oh, like this isn’t even fun and it’s probably less healthy than cooking. When looking at Amazon to find out how to spell the authors’ names, I noticed a quote by Mark Cuban that sells the book much better than I could: “If given a choice between investing in someone who has read REWORK or has an MBA, I’m investing in REWORK every time. What are some of the things that you couldn’t have imagined you’d learn or do you feel like there’s an acceleration in just your growth? And yeah, it was only like after two years of that that my wife was like, what is happening here? They seem so, you know, I want to outsource that or I don’t want to think about that. It’s like yeah, we were eating out a lot more but it got less special. MILLENNIAL MONEY IS A PART OF THE MOTLEY FOOL NETWORK, A DIVISION OF THE MOTLEY FOOL.©1995-2021 THE MOTLEY FOOL. Did you feel kind of more free as you saved and invested more money? Brandon: 07:17 And here’s a computer you can take and all this other stuff. Today we’re joined by a friend of the BiggerPockets podcast network, Brandon “The Mad Fientist”. They have one and you don’t know their scenario so you just, you just see the pictures of them in their new Lexus. How much time, like, how many hours do you think of research it would take to get the basics to where you’re gonna you know, you’re going to be able to get some savings because this sounds to someone, it’s just new. And also, you know, actually this is, this is the last question. Brandon delights in reading and digesting complicated tax literature and programs, and translating it into easily understandable English. Listen to this episode from Money Lab on Spotify. Brandon, aka the Mad Fientist, a former software developer who achieved early retirement and financial independence at age 34, shares how he spends his money in Edinburgh, Scotland. Technology has really made it so that we can do some incredible things. It wasn’t just frugality and deprivation for spending. Brandon: 36:47  It’s being able to do anything that I want and not really answering to anyone else. Grant:18:21 You know, we’re taught to continue to go up the career ladder, get a new job, and if the book does one thing, I hope it just wakes people up to the fact that you can step off that roller coaster kind of whenever you want. ( Log Out /  So then what happens, a few years later is when I moved to Scotland, like I’d hit my FI number and I was like, okay, I’m just going to quit my job and then just see how this goes. 15,233 people follow this. Like we felt like we just wanted to come and be settled and we get a lot of happiness from like doing our normal routine and making progress on stuff that we’re working on and. So I think that’s…I think that’s a huge first step and then obviously figuring out like what you have and what your net worth is, that’s important too. I really appreciate you being being on the podcast. It sounds like at some point you got really far in the deprivation, a sort of the pendulum swung pretty far that way, but what’s that moment when you kind of realize, hey, you know, I’ve got a lot more control over this and my options than I previously had? And the biggest thing for me is once I became FI, it was like 90 percent of my brain opened up, you know, and I didn’t realize just how stressed I was about money and fixated I was on money. But that first year of actual, after I left my job I was doing, I was saying yes to so many things just because I thought I had to, to like keep the Mad Fientist growing and keep the business like as it was in like bloggers are always wanting to grow their audience and you know, so you say yes to all these things. In this episode, we focus on what life after financial freedom has looked like for Brandon… As someone who is following an unorthodox financial path, I’ve always written my own rules with regards to money but this book made me realize I could expand that thinking into all areas of my life. It’s, it’s a constant experiment and it’s, it’s so much harder than it seems it would be. Come on baby, light my business fire! 13,936 people like this. So I started the Mad Fientist in 2012 right when I realized like a in 2011 is when I realized that financial independence was possible when I was like, you know, always always, and I was like, I just want to get there as quickly as possible. For that person who’s listening, who’s maybe making a good amount of money or they’re just getting started here, how can you fall in love with tax optimization and why is it so important? It’s so great to hear you so happy and thanks for…thanks for going deep with me this morning. It’s way too early in the morning for Medicare, but how, you know, taxes just, they seem so boring. Brandon walks us through advanced retirement account strategies you may have heard of, such as the Backdoor Roth, Roth Conversion Ladder, and the coveted Mega Backdoor Roth. So yeah, that was the biggest mistake and if I was to do it again, I would recognize the power…use the power and just be constantly working on all three spokes of that wheel that I was talking about. And yeah, you’ll have some busy days if you’re like working on stuff like I am. Website. Maybe because I have that option. So that just completely changed my whole trajectory. So it’s, it’s awesome man. And yeah, that’s…I have a article that I’m planning to write and it’s talking about like, like FI… FI as a goal and that was my goal. Like, you know, does this make you happy? Required fields are marked *, […] Why It’s Never Been Easier to Reach FI – Millennial […]. First Name. So. Like I have unlimited freedom now to do whatever I want pretty much. The Mad Fientist emerged from his laboratory in early 2012 with two goals: 1) Research and develop strategies to reach financial independence sooner. It wasn’t much at all, but we went out to eat a ton. Because yeah, once you get there, maybe you’re spending is cut in half because you realize all the stuff you’re spending on didn’t matter so then you worked longer than you needed to or maybe you start spending more because you realize you deprived yourself over the last few years of stuff that really did make you happy. His writing on tax, spending, and life optimization guided me on my own FI journey and I’m grateful to now call him a friend. I’ve got a book coming out, you know, there’s so many opportunities, but at the same time, one of the things I’ve started to feel is oddly a kind of constriction of time in a different way than when I was working in a corporate world. And that’s what saving for financial independence does. Like I didn’t literally recognize the feeling and I realized it was the first time in my life that I was actually at peace. Berufserfahrung, Kontaktdaten, Portfolio und weitere Infos: Erfahr mehr – oder kontaktier Brandon Wolf direkt bei XING. Brandon: 03:43 So that was, that’s one half of the story. So it was like, oh, well, once I realized that I was like, well, what, what am I going to optimize? Today we’re joined by a friend of the BiggerPockets podcast network, Brandon “The Mad Fientist”. Fill in your details below or click an icon to log in: You are commenting using your WordPress.com account. In this conversation we dive deep into deprivation, happiness, meaning, and why it’s never been easier in history to reach financial independence. First Name. Brandon is one of the 10 people who reached financial independence before 35 featured in my book Financial Freedom: A Proven Path to All the Money You Will Ever Need and will also be featured in the upcoming Playing with FIRE (Financial Independence Retire Early) documentary (so stoked to see so many friends on the big screen!). Like I wasn’t happy, which obviously then made my wife unhappy and I was just trying to save every single penny. or. Brandon built financial independence in the most accessible way: saving and investing half of his income. So I actually hired a guy to do it and it was great and he saved me a bunch of money on taxes even though I’m super into this stuff, he was able to still make some suggestions to save a bunch of money on taxes. Brandon: 08:54 And I don’t have to say yes to all this other stuff that, you know, normal bloggers and normal website owners have to say yes to and in the, yeah, it’s still something that I struggle with because like money has been such a core driver of my entire life that now it’s hard to just like flip a switch and make money and not as important, but it should be, it shouldn’t be as important. And like yesterday it was quite stressful…I had a lot of stuff going on, but it was all good stuff and everything that I did was something that I chose to do and there really…there’s nothing better you can buy in the world that I can’t imagine anything else that’s better than that to buy. Brandon: 34:18 Which that’s pretty much the bulk of the writing on my side is focused on that. Why It's Never Been Easier To Reach FI w/ Brandon @MadFientist But now we can just invest in every business in the world. And that’s true. Like, no, if we let you work two days a week from home, then everybody’s gonna want to do it and all this sort of stuff. I couldn’t agree more and that’s something that like looking back on my own journey, I realized I did wrong. Brandon: 44:40 And now I’m working on the exact thing that is important to me. Brandon: 13:56  Yeah. I ’ m excit ed t o be here. So it was all those things. Like that. Happy Saturday! The Mad FIentist. Yeah. There’s far fewer gatekeepers these days. It was written by the escaped convict himself and follows his story as he lives in the slums of Bombay, joins the Indian mafia, spends time in prison, and eventually goes to war in Afghanistan. The finance industry sells a level of precision that I just personally think is really unrealistic. It wasn’t good. Wunderlist. Grant: 40:41  I think money and a lot of ways it kind of insulates you from the world. And it was obviously lots of different things. I’m going to have to repeat a book that was already recommended by one of your other guests, Jim Collins (he is the person who actually recommended … I agree with that and, but it’s all good. And one of the things I think I wish people allowed themselves kind of more space to grow and not be so worried necessarily about hitting a perfect number. So when I started Mad Fientist I thought I was going to be like this amazing investor, like, oh, I do a bunch of research, write a bunch of articles about it and be this incredible investor and that’s how I would hit financial independence sooner. And those are some big heavy questions and thoughts. (You can watch the video here.) Brandon: 38:47 Right? Brandon: 43:05  That’s a great point. Here is the link to the reset of the video so you can watch the replay. Email *. Grant: 46:12  All right, have a good day. Community See All. Even giving myself unlimited funds to be like, okay, here this is, you can just go crazy and even then it’s still hard to figure out like exactly what makes you happy. Brandon is the host of the Mad FIentist podcast and author at MadFIentist.com where he talks and writes about financial independence, these are his good things.. Good things to read. Oh absolutely it’s been nuts. Thank you so much for those kind words. I hope that more people at least wake up to the idea that even if you know, you don’t have to be perfect. So yeah, you’re in a better position to experience that peace, as you said, because a lot of the worries that you used to have aren’t there anymore. And then I quickly realized like that’s so ridiculous to be jealous because yeah, like I’m facing these questions, but I imagine most people face those questions eventually and maybe the unlucky ones are maybe facing that on their deathbed and they have no time or ability to change course or make changes or do something different with their lives to like align it with more of what they experienced or what they expect their life to be. I think that, that uh, it’s often tough for people when they hear that. Brandon walks us through advanced retire… Today we’re joined by a friend of the BiggerPockets podcast network, Brandon “The Mad Fientist”. What’s your why? My wife Jill and I just got back from your 3-month trip around the world. It was a true honor to have Brandon on the show. Every decision, you know, studying hard in high school so I can get into a good college, I can get a good job and get a good salary and picking careers based on salaries and basing all my decisions on like is this going to cost less or is this going to make me more money? So much of everyday life, you know, for a lot of people is consumed with getting that paycheck or getting that payment, you know, it just just consumes so much of your thinking. While these strategies may sound intense at first, they’re quite simple in practice, as Brandon shows us! So yeah, it’s, these are tough questions but it’s, it’s a privilege and it’s amazing to be able to have a chance to do something about it. So it, it just didn’t matter. So as you said, I got way into the deprivation zone, which sort of felt like I was reducing my freedom and reducing my choices because I was just so focused on trying to scrimp and save everything that I could. Fifty years ago, I don’t, I don’t even know how you would do that. Brandon is the host of the Mad FIentist podcast and author at MadFIentist.com where he talks and writes about financial independence, these are his good things. Cause that. Well not the rest of my life, but you know what I mean. Website . It’s opened up obviously like the investment options that have opened up over the last 20, 30 years. Grant: 26:36  What would you recommend to that person who is listening to this, and you know, maybe they’re feeling stuck, but this has been a spark where they’re like, Huh, you know, I, I want to learn more about this and I, you know, what are those couple first steps based on your experience that you think will have the biggest impact for someone? Do you feel that in a way? It was like, whoa, I should have done that a long time ago. So yeah, it’s been a rollercoaster ride and like I’ve chatted to our mutual friend Vicki Robin about things like that and I’m like just in, she helped like try to give me pointers on how to figure out what is important and where, where I should go from here. But it allows you, I think to create kind of a barrier between you and the external world that does open up that internal…that opportunity for internal growth because at the end of the day, and I’ve realized this is no matter where I live or how I’m making money, the only thing that I’m carrying with myself is myself and that really, that really kinda hit me intensely where it was like, you know, I expected to move to New York and like feel entirely different. If you've been a listener since the early days, you may remember Brandon from episode #7. Watch your money. Nailed it). This documentary series follows Ewan McGregor and Charlie Boorman as they travel from London to New York on their motorcycles. Perfect multiple. I watched In Bruges years ago, and I remember it being good, but the ending, oh the ending! (The Doors. Just like you, I was sitting in Cornwall, England for a little bit of time and I was sitting just looking at the water and I felt really weird. Email Join over 100,000 others on the Mad Fientist email list and start tracking your progress in the FI Laboratory! But really this whole thing should be about mastery as we’ve talked about. Can you tell the audience about how did you figure out that perfect spending level that made you happy? I hesitated to list this for fear of being thought of as a Mac fanboy. You can sign up to mint.com to make this easier but even if it’s a bit of a pain, it’s only for 30 days. Brandon: 29:34 Like I still wanted to do something and when it comes to investing, not doing something is usually the best call. 2) Talk to other people who already retired early to find out how they did it . If this series doesn’t make you want to break away from your cubicle and go travel the world, I don’t know what would. Grant: 28:18 One of the things that you’ve always helped me, and I know a lot of people use you as a source for this information, is just tax optimization generally. Join Brad Barrett and Community Manager, Jennifer Mah, for a virtual hangout with special guest, Brandon, aka The Mad Fientist!! It’s like we’re taking years off of your working career and you’re not really sacrificing anything to do it. And it’s legal. We enjoy going out to eat every once in a while because it’s like a, it’s a treat. It’s like whether it’s get to a number, get to a level of career or you know, it’s so much easier to chase this external thing, whether it’s a promotion or a job or a higher number. But I think one of the things for me I’ve realized is that how do you even begin to plan for having enough money forever and for the forever. It was like I’m moving to Scotland and I just didn’t care what they said really. Any of the pre-tax retirement accounts, just trying to max those out just because if this is going to be the highest tax bracket you’re in, potentially just if you have early retirement plans, then you just want to lower that as much as possible and then once you get to the stage where you’re thinking, okay, I’m going to maybe pull the plug on work, then that’s when you’re going to want to do some research into like how you can transfer that money over into a Roth IRA efficiently and how you can access those accounts early. In this episode, Brandon -- also known as the Mad Fientist -- shares a decade-plus of accumulated tips for Happy Saturday! It didn’t change anything. L.A.'s Finest is an American comedy action crime television series created by Brandon Margolis and Brandon Sonnier; and produced by Sony Pictures Television.It is a spinoff of the Bad Boys franchise created by George Gallo.The series premiered on Spectrum on May 13, 2019. Yeah. The low cost index funds like to, to buy every stock in the market. It is quite violent at times and is definitely not for children but it has great acting, a beautiful setting (Bruges, Belgium), funny Irish humor, and excellent music to tie it all together. It is an incredible story that highlights the importance of relationships and the life-changing effects of immersing yourself in another culture. It’s like we haven’t given ourselves enough time and space to grow because we, not only are we moving fast, but the speeds accelerating and I think there’s certainly a coincidence between the increase depression and suicide rates and those things. I appreciate you sharing that story. Brandon is a freelance Graphic Designer based in Dubai and specializes in logos and branding. And that’s resulted in saying no to some really cool and interesting opportunities that would have probably been super fun. Brandon: 32:03 And then once you eventually take that out, you’re tax free because those are tax free withdrawal accounts. Brandon: 35:29 Absolutely, yeah. If you liked this episode and would like to subscribe to the Financial Freedom podcast you can pick your platform below. At the end of the month, take a look at where your money went and ask yourself for every item on the list, “if giving this up meant I could quit my job tomorrow, would I give it up?” If you answer yes, seriously consider giving it up because it’s obviously not as important to you as your freedom is. Grant:  Hey everyone, I’m really excited today on the financial freedom podcast to have Brandon from MadFientist.com Brandon, aka the Mad Fientist. It’s your path and there’s so many different ways to become FI. https://www.biggerpockets.com/moneyshow161He’s back! In looking back it’s stupid… I don’t understand, like asking for something. Ultimately though, you have the power to break free from those traps and live a life that truly makes you happy. What is one thing that you realized throughout the FI journey? It shouldn’t have been focusing on a certain number in the bank. I had a look at the mad fientist portfolio using 70/30 split between VTI & VXUS over ten years. Can you talk a little bit about, do you still believe that and why? Change ), You are commenting using your Facebook account. You’re buying that freedom and since the first year was so crazy and I was so trying to figure everything out, I don’t think it really sunk in, but the second year after quitting my job, like I feel like it’s really sunk in and I’m starting to realize like, hey, this is the rest of my life. And then yeah, once you start building up a net worth, just figuring out like how much money you do have, and what that power that money gives you is important, but for a lot of people they’re spending everything they earn so the spending side of the equation I think is where you need to look first. I was like, oh, this is just, this is going to take forever. I found some ways like travel hacking and things like that, but for the most part, like my spending was pretty optimized so it was like a, we’re, we’re, what other, what else is there? Grant: 33:01 So someone just starting out and wants to learn about tax optimization. Brandon: 16:35 And here I am in my thirties and I have the opportunity to do that. A great to-do list app that allows you to easily sync your to-do lists between all of your devices. And I’ve been reunited with my podcasting microphone, so hopefully, I’m sounding better than I have over the last few episodes. And then you have this period of, you know, maybe 10, 20, 30 years even until you hit 65 where you have this low income and reasonable spending. Connect with the Mad FIentist, @madfientist. Or could I save up five lease payments and buy a used car that I can then not have any car payments for the rest of my life? Brandon: 02:56 Like you’re obviously unhappy. Grant: 24:04  So why do you think the savings rate continues to go down in the US? And I think it sets a, it creates stress and I think a lot of budgeting reinforces kind of a scarcity mindset. I can honestly say this book has changed my mindset more than any other book ever has. And this was, this was a thing that I didn’t expect. So save yourself $40K+, read Rework, start a business, and then go ask Mark Cuban for funding. And it’s like when you don’t need to make more money doing something just for the sake of making money doesn’t make sense anymore. I would definitely say that, um, you know, incomes are very high. If I, even if one post helped you and then it’s amazing to see what you’ve created on your own path. How to use foul in a sentence. Grant: 09:22  I couldn’t agree with you more. It’s like good stuff. Brandon: 28:53 Sure. And yeah, that still can happen because I still have an old car and it is having problems. Awesome man so why do you think the savings rate continues to go all in direkt bei XING can and! “ the Mad Fientist for example Scientist at a time t o be here Making money happy, obviously... On past work and decisions and this was a huge impact like pressures from society, family expectations etc... S stupid… I don ’ t, I want to think about that yourself in another.. Not enough time world a better deal just changed over the past couple of years through this?... Your Twitter account me testing that lower bound and realizing hey, do you still believe that,! Consistent but your income grant: 20:50 yeah, that still can happen because I still have an car. 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