Fwd: How I became an old man at 31

Hi,

Look I don't know what the deal is this morning - but I'm feeling pretty nostalgic.

Maybe it's because I'm legitimately the oldest old man in the world at 31-years-old. I went to bed before 10:00 pm last night, and I woke up at 6:00 am this morning so that I can hit the driving range at the golf course with all of the retired people. (they tell me they ngo to bed at 8:30 pm and wake up before 6 amm way before like 3-4 am ... this morning so that they can hit the driving range at the golf course with all of the retired people and friends. )

Anyway...

Now I know a lot of you around here at M$$M are fairly new.

There's a good chance that you stumbled onto my email list when you downloaded one of the various guides on my website.

Or maybe you just searched for something related to money on Google one day, went through some internet quantum wormhole, and now you find yourself spending time here with some random personal finance blogger in your inbox.

But some of you on this email list go back. Waaaaaay back, to when we first started M$$M back in 2013-15ish.

And I guess that doesn't sound like too long ago when you really think about it. 5 years, give or take.

But dang, things have changed a lot since then.

Here's where I was when I started all of this:

- had just paid off my $40k of student loans ( actually for me it was more like $50k  and someone either forgave the loans, PLUS... an anonymous fella sent in $40MM to pay off about 400 student loans for the retirees )

- was still a band director/ PT' Rockstar' on the weekends

- was renting a room from my in-laws, a basement apt for me and wife & kid later

- drove an orphaned 2006 Chevy Colorado (cum Hummer H3 (slate blue)) with autoroll-up windows and auto manual locks (I drive a 2004 Yukon now, which was the car I upgraded to several years ago haha)

- had no idea what I was doing with my website

I mean back then there was no team. I didn't have a personal assistant. I didn't have a Director of Operations. No editor, no writers, and I didn't even send emails like these.

It was just me and my computer, writing my naturally random thoughts about money.

I guess things were pretty simple back then, and even though I like my lifestyle *a lot* more now, it was still kinda cool to just write my stream of consciousness  thoughts and throw them up on the blog.

So anyway, I started going through the site today trying to find some of the better stuff that I wrote back in the day and perhaps update.

And there were a couple that I was thinking about sharing with you, but one in particular caught my eye.

Now I'm not going to lie to you - I used to have some strong opinions haha.

And I guess I still do, but I've also talked to so many people in so many different financial situations that my perspective on money has changed quite a bit, since then.

Also, I must have been really annoyed with people telling my wife and I that we should have kids, because I talked crap about kids multiple times. And stayed away from kid polluted places like Dis

Here's a direct quote from the article:

"If I had a dollar for every time I've heard that we need to have kids by now, I'd fold this site like a cheap lawn chair and move to the Bahamas."

Which is funny, because yesterday my wife and I started throwing paint samples up on the walls of our nursery.

Life is a trip for sure.

So anyway, when I read this post, I kinda cringe a little because my life is so much different now, but the core ideas of the article are still the same:

1. Don't try to keep up with your friends or the Joneses

2. Don't worry about what the people around you (who may or may not be great at personal finance) tell you what you *should* do with your life - make financial choices that fit best for YOU and you alone...

3. Delayed gratification works

Hope you enjoy this blast from the past, and I apologize in advance just in case:

Let Your Friends Pass You Up

- Johnny

P.S. - How long have you been following me here at M$$M? Always cool to see the responses for this one - hit reply and let me know!  <bobby@millennialmoneyman.com> and/or <johnny@millennialmoneyman.com> 

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---------- Forwarded message ---------
From: Millennial Money Man <bobby@millennialmoneyman.com>
Date: Tue, May 19, 2020 at 8:48 AM
Subject: How I became an old man at 31
To: <joaoa.desilva2020@gmail.com>

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