I don’t want this to be just another pf blog

Published July 17, 2017   Posted in In Retirement

Prepare yourself for some seriously stream-of-consciousness stuff in this post. Frankly, I don’t want this blog to be just another personal finance blog. I mean, we can only clamor on about saving money and “hacking” your life before it becomes dreadfully repetitive.

The wife and I in a brewery

Sure, I can tell all you awesome people to stop spending so much damn money, or never to buy a new car again, or resist the temptation to sink your life savings into a mortgage, but frankly…I don’t know you, or your finances, from a whole in the ground. Your life. Your money.

You will do whatever the hell you want to do regardless of what I type into this blog. And, that’s good. If I could control your way of life through these magical fingers as they punch the keys on my wireless Logitech keyboard, then we have a serious problem that demands the attention of a specialist. Perhaps an expert.

Any experts in the house?

No. I want this blog to be different. I want to give you people something that you wouldn’t find on any other personal finance blog out there. And I definitely don’t want to write magazine-quality shit. Again, you can get that stuff anywhere. Open up The Economist and read until your heart’s content. We get that stuff everywhere. I don’t want it here.

I want this blog to be a stream of whatever-is-happening-right-the-hell-now account of my life. I want to give you something new to read – a look at people’s unique lifestyles, including my own. I cuss on my blog and always will. You might be offended by the language I use, but trust me…

While I love you people, I just don’t give a shit.

You’re here because you want something different from a personal finance blog. Occasionally, I’ll talk about numbers. But honestly, I find numbers boring. I find talk about stocks, dividends and yields mind-numbing. You won’t find hard-core investing advice on this blog. In fact, you won’t find it on most blogs, either.

Why? Because we don’t know you. Only you know you. You know your tendencies. You know whether or not you’re likely to see things through until the very end or wind up throwing in the towel mid-way through. Any advice we give you is based purely on shallow, superficial qualities – often regurgitated crap we read or heard somewhere anyway. It looks good on paper, but…

We all know that saving more money means earlier retirement. You know it. I know it. If you want it bad enough, you’ll do what’s necessary. If you don’t, you won’t. There, blog complete.

Boring. Instead, I talk about pee. My pet peeves. How Erin Brockovich is one of my favorite movies. Because, let’s face it – that stuff is way more interesting than reading about my diversification strategy in the stock market. Besides, here’s a secret: I don’t have a strategy. I know almost nothing about investing. You don’t need to be a “math guy” or stock trader to make bank in the market. That’s what targeted retirement accounts are for.

I started Think Save Retire way back in 2015 primarily as an escape from full-time work. Something else to focus on, and if I made a little change in the process, cool. I accidentally liked this stuff, but I’m not a professional blogger. There’s just no way.

The truth is that I don’t care about search engine optimization. In fact, I think a lot of it is bullshit. Most of us could spend hours going step-by-step down some SEO checklist and not see any improvement in Google. It’s because there’s just WAY more to Google ranking than simple elementary school changes. And unless you designed Google from the ground up (in which case, rock on man!), most of us probably will never know how it works. I mean really works.

I also don’t care about those award things (Plutus Awards, I guess?), or attending conferences. I won’t even nominate my own blog. I’m not in this thing to win awards. I blog because it provides me with an outlet to say whatever the hell I want to say, period. That’s it.

I don’t collect email addresses with an in-your-face pop up either because, if you want to see my stuff, you’ll come back. I trust you. If you’re interested enough, you’ll make your way back and we’ll have an enjoyable time – right here on the blog, reading posts just like this.

And this one is turning into a completely incomprehensible mess.

That’s okay. I’m already this far in, so I might as well keep going. I’m channeling a little of Dr. Doom in this post I suppose, though he is – and will forever remain – a much better writer than I am.

And that reminds me – I’m no expert. Not at early retirement. Not at saving. Basically, nothing. In fact, I needed extra help getting through school because I learned differently from the vast majority of my classmates. Education for the masses didn’t work well for me. I never took those “Advanced Placement” classes in high school. In fact, I laughed at those who did because it resulted primarily in additional work.

The economist in me plainly saw an advantage in staying away from additional work. I just didn’t see the benefit.

And that is how I get through life. Not by expertly navigating the complex waters of personal finance. Not by graduating top of my class, attending some prestigious university and working my way into increasingly-influential levels of the fiery inferno known as corporate America. I didn’t devote the 80% additional effort for the remaining 20% reward.

I’m sitting here – as a 35-year-old early retiree, because I chose a path that I felt provided maximum benefit for minimum effort. Degree in information technology, which set me up for almost any job in the tech sector. Worked for 12 years as a corporate stooge writing software for companies, not particularly enjoying the experience, but tolerating it enough to climb from a low-level employee to the Director of Information Technology. And then demoted myself once I realized what management was all about.

I’m an economist through and through. And that, my friends, is what this blog is all about.

Lastly, please excuse this weird stream-of-consciousness post. As you were…

We track our net worth using Personal Capital


51 responses to “I don’t want this to be just another pf blog”

  1. TheRetirementManifesto says:

    Steve, it’s because of EXACTLY this type of post that we love you. Warts and all. Airstream on, my early retiree friend. And…keep writing wherever your heart may lead those 35-year old fingers as they move magically across that Logitech keyboard…..

  2. Stream of consciousness indeed. I like the blog because it’s not a cookie cutter PF blog. I like when PF blogs talk about other stuff other than just the number anyway. It gives the blog a personality.

  3. AdventureRich says:

    I love it. This is why I come to your blog! You share your story and the unique stories of others. I can read the “Five ways to…” or “How to x, y, and z” all day long… but the real stories are the blog posts that actually intrigue, inspire and motivate my husband and I to pursue financial independence. When we get the real stories, we find out the ideas that aren’t on the “top 5 ways” lists. Thank you and keep it up.

  4. Awesome Steve! I appreciate your approach to telling us whatever the hell you want. That’s the reason I keep dropping by! 🙂

    Keep it up sir.

  5. And all I can say is A-FREAKING-MEN! Hey, I think there is a place for everything, but it’s refreshing to read about other areas of life…sometimes being frugal, sometimes NOT being frugal. You know, life shit! Perfection is soooooo boring! As are heavily SEO-written blogs! Bring on the genuine-ness!

  6. Miss Mazuma says:

    Amen, brother. I am way more interested in people’s personal stories (and your travels!!) than how much they made by blogging last month. Keep it up!

  7. Andy says:

    I like this a lot and I’m sure most people will agree that you’re right-on here. It reminds me of back in the day when MMM would write about some construction topic or another and people would bitch about how it was unrelated to retiring early/personal finance; he’d respond with something like “fuck off, it’s my blog and I’ll write what I want”. I think everyone should feel similarly free to write about whatever makes them happy. I’m still early in my writing and trying to figure out what topics I want to talk about. I think I’ll still probably cover a lot of the more finance-y stuff, but mainly because that’s what I’m interested in and maybe it’ll help a reader or two. If people don’t want to read it, no skin off my back; at the very least it’ll help me better understand my own position on the issues.

    Keep up the stream-of-consciousness and the airstream life stories, I know I’ll enjoy hearing em.

    • Steve says:

      Thanks Andy! I definitely take the MMM approach too. This blog is about our journey and everything that surrounds it. Personal Finance is just one facet of the overall journey. And good thing, ’cause money talk is boring! 🙂

  8. This is a great reminder for me. I think there have definitely been days where I’ve been too focused on getting the emails and the income from the blog. But, in reality, it’s about creating a community that rallies over a common goal.

  9. DadsDollarsDebts says:

    Nice stream of consciousness. I hope it was after beers at that brewery. Appreciate the blunt force trauma to the brain. Your pics and stories are good. I somehow got on your email list despite a lack of pop up, and while I tried to follow your ways I decided I am going to try to make some cash with my site. Who knows if it will get any where but if I pay my costs, then bam! This blogging thing has been a personal and financial success. Keep on trucking man.

    • Steve says:

      Thanks Dads. Actually, some of it was after beers! 🙂 And truth be told, I do make some money straight from the blog…usually enough to cover expenses – and some months, much more.

  10. Kate says:

    This is exactly why I read your blog 🙂 I like that you go against the mainstream, have a different perspective, and write about things not found on most blogs.

    There appears to be an over saturation of PF blogs and it seems like every day someone posts about the 4% rule or some other topic that’s been covered to death. It’s tiring to see the same topics over and over again so it’s refreshing to see something completely different covered here.

    Don’t ever change!

  11. This is madness, pure madness! Ok…just kidding. 🙂

    Hey, you’re FIREd so do whatever you want. That’s what it’s all about!

    I enjoy your writing style. It helps me loosen up a little.

  12. Tawcan says:

    I feel for you Steve, that’s how I am aiming to achieve with my blog too. It’s more than just another personal finance/investment blog. It’s more of an extension of my life. I write topics that interests me and I think are important. I think it’s really boring to talk about money all the time.

  13. Amy Blacklock says:

    Love it, love you, and so glad you wouldn’t do it any other way.

  14. Hey you can do what you want. You don’t need this blog to pay for your gas. It really does make it that much more enjoyable, doesn’t it?

  15. Steve says:

    Thanks for this post. It’s been a good long while since I’ve read something insightful from the FI-blogger industrial complex. The truth is everything about FI can, and has, been distilled into 10 or so blog posts. Everything else is just fluff. I follow a few select FI blogs, most of which do not give a shit about subscriber lists, plususes, and SEO.

  16. Melissa says:

    Y’all are the shit because the life you’ve created isn’t about retiring—it’s about living. Glad you’re there. (Did you see the slime eels in Depoe Bay??)

    • Steve says:

      Thanks Melissa! We saw some of those slime eels as we passed that overturned truck on Hwy 101 that shut down the road a few days ago. What a mess. 😉

  17. Oldster says:

    Best thing I’ve read today. Keep doing that. The rest of us need to be brought back to the center line occasionally.

  18. Hell yeah!!! Now THAT was a great blog post!! Totally LOVE!! And guess what? I’ll be the hell back! Lol

  19. Dr. Curious says:

    Thanks, Steve, this really resonates with the way I think! Numbers are great and fun to punch, but they are not life. They are a MEANS to an end, but not an end in and of themselves.

    This was reminiscent of one of Tim Ferriss’ drunk dialing Q&As.

  20. Mr. Tako says:

    You’re far too modest Steve! You’re actually a great writer, and your blog is a success because of that!

    While your focus might not be on the hardcore ‘numbers’, I think your beautiful pictures more than make up for it. “Play where you have strengths” I say, and you’re doing just that!

  21. brian503 says:

    I never read for the great content or numbers. I stop by for the four letter words. 🙂 Rock on Steve!

  22. Adam and Jane says:

    LMOA! Just love your in your face I dont give a shit MOFO attitude! Besides, learning about PF/FI/RE is really over rated! 😜 I am just here for the awesome pictures! 😄 Show us more pictures, God Damn It! 😡😡😡


  23. Jason says:

    I come here for coupons for free tacos. Still waiting for those. Until then I guess I will read your great articles. Cheers!

  24. I don’t understand your aversion to conferences. The FIRE blogger crew & PF bloggers got together at FINCON this past year and had so much fun. The conference sessions are skippable if you’re not interested in blog growth. It’s just an event that brings people together to talk, drink and laugh.

    • Steve says:

      Oh I can totally see the networking and drinking with fellow bloggers. It’s just a lot of time and expense to get there just for the drinking aspect. But yeah, I’m with you there in regards to the shootin’-the-shit. 🙂

  25. People like transparency. Transparency builds a relationship with readers and leads to returning readers while continuing to gain new readers. That is the best part about having a blog, you can do whatever the hell you want and no one can say anything about it. Keep doing you. People seem to be enjoying your content. Cheers!

  26. […] Steve at ThinkSaveRetire published an epic rant post this week that resonated with the nascent philosophy of my own blog. Do yourself a favor and check it out: I don’t want this to be just another pf blog […]

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