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I am a 47 year-old woman who has saved $60,000. That is nothing to sneeze at given the savings rate of the average American, but deep down inside I am ashamed. Given a 20-year career in technology and a well above-average salary, $60,000 isn’t much to show for all of my hard work. I don’t even own a home. On top of that, I have about $60k in debt.

You could say I’m a late bloomer and you’d be right. “Dumbass” might be a bit more appropriate though given all the cash I’ve squandered over the years. That’s fair. I’ll own it.

A few years ago I discovered Mr. Money Mustache, which is the only reason I am at $60,000 today. I saved a bunch of money in a couple of years in my 401(k) but never quite gave myself over to what it would take to get serious about reaching financial independence. Or even retiring, for that matter. And then I found myself starting a small business with a friend, which in retrospect didn’t even stand a chance. Now I’m $60k in debt.

When I do something, I do it BIG. Apparently.

Suddenly, it hit me. Holy cats! This ‘getting old’ thing is totally happening! I’d better get my act together. I don’t have time to mess around.

So. Here I am. I would like to stop working a corporate job as soon as humanly fucking possible. (Oh, I use salty language, by the way.) I am a single mom of a teenager. I live in a city with a very high cost of living and traffic that would melt your brain. I own my own moderately fuel-efficient car, and I earn a good salary.

Is there still hope for me?

Let’s find out.

You can call me Ms. Fibidie.


“Fibidie” for FI B(efore) I DIE. See what I did there?

Of course you do.

I hate myself just a little bit for it, but I’m going to roll with it anyway. Cheers!