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Watch Nigeria > Blog > Financial Literacy > Discovering FI, Our City, And My Life
Financial Literacy

Discovering FI, Our City, And My Life

Last updated: December 28, 2025 2:03 pm
Terfa Ukende
18 hours ago
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Discovering FI, Our City, And My Life
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Contents
  • Story 1: Discovering FI (Telling The World!)
  • Story 2: Our City
  • Thought 1: When The Pupil Is Prepared
  • Thought 2: Retirement Isn’t Simple
  • Happiness And Higher
  • Life Is Good
  • Extra 1500 Days!!!

Two tales right this moment after which two ideas…

Story 1: Discovering FI (Telling The World!)

I discovered that I may retire early in October of 2012. I used to be having an terrible time at work and put this into Google:

How do I retire early?

It was a hail mary go that I didn’t anticipate to result in something helpful. However Google led me to Mr. Cash Mustache, an nameless individual on the web who talked about retiring in his 30s. I assumed the positioning was an elaborate rip-off; folks don’t retire earlier than 60! However then I landed on this post and realized this mysterious MMM was the actual deal. Numbers don’t lie.

The clouds parted. The solar got here out. Unicorns and rainbows appeared. Discovering MMM and FIRE was an epiphany and one of the vital essential inflection factors of my life.

And I assumed everybody else would really feel the identical manner. I advised anybody who would pay attention. Besides they didn’t. Most thought I used to be loopy. Somebody thought I had a terminal illness. I didn’t perceive why one thing that was so clear and apparent to me didn’t land with others.

Story 2: Our City

Discovering FI, Our City, And My Life

I learn Our Town in my second yr of highschool. I didn’t bear in mind a lot about it, however I went to see an area highschool manufacturing of the play this previous weekend. Among the traces from the third act pierced my coronary heart:

You know the way it’s: you’re twenty-one or twenty-two and also you make some choices; then whisssh! you’re seventy: you’ve been a lawyer for 50 years, and that white-haired woman at your aspect has eaten over fifty thousand meals with you.

Oh, earth, you’re too fantastic for anyone to comprehend you.

Do any human beings ever notice life whereas they reside it?—each, each minute?

The play knocked me on my ass. In a great way. However it didn’t once I first learn it as a 15 yr outdated.

Thought 1: When The Pupil Is Prepared

I used to be fascinated about why the play hit me so onerous now. The reply is clear; I’m in a special place:

  • I’m married
  • I’ve youngsters
  • Hopefully I’m wiser
  • At 51, I’m so much nearer to loss of life than I used to be at 15

And MMM/FIRE hit me onerous as a result of I used to be in a darkish place in my profession. I used to be silly to imagine that others would embrace FIRE like I had.

I typically take into consideration this:

If I had been comfortable in my profession, the place would I be proper now?

I might have by no means requested Google the right way to retire early. I’d in all probability nonetheless be working, possibly in administration. Possibly I’d nonetheless be in Chicago.

And I in all probability would been simply effective. I wouldn’t have recognized the rest. People alter to wherever they’re in life.

Thought 2: Retirement Isn’t Simple

Once you work full-time, it dominates your life. Work is on the core of your day and the remainder of your hours are structured round it.

The FIRE neighborhood doesn’t speak sufficient concerning the change that’s retirement. It’s an enormous vacuum to fill and an enormous life change. It ranks proper up there with going to varsity, marriage, divorce, having youngsters, and transferring. I’d wager that many full-timers see their coworkers greater than they see their companions.

Work offers us construction, cash, goal and buddies. You possibly can have all of this stuff with out work, however it’s a must to determine it out for your self. This isn’t simple.

And many people lack neighborhood which is extremely essential. Our lives are formed to some extent by the folks round us. Right here in Longmont, the MMM Magnet attracts FIREy folks to city. It’s simple to be retired early with so many buddies in comparable conditions. Again within the Chicago rat race the place I grew up, the lifetime of an early retiree could be lonely. Having enjoyable and attention-grabbing folks to spend your time with is so essential to happiness (and longevity). It’s the primary factor an early retiree ought to work on upon quitting work.

Happiness And Higher

If I had not discovered early retirement, I’m undecided I’d be a lot happier. When my job wasn’t terrible, I loved writing code. My coworkers have been good folks and a few have been even my buddies. Work was all I knew.

Nevertheless early retirement has made my life manner higher.

  • Time with youngsters: The very first thing I did once I stop work was volunteer for each college exercise. Spending extra time with my kids created a stronger connection between us. Enjoyable truth: After I volunteered for 3 or 4 college occasions, the trainer politely requested me to cease volunteering to ‘give different mother and father an opportunity.’
  • Health: Earlier than quitting work, I had a spare tire round my stomach and my again would damage from sitting all day. Now I’m going to the gymnasium for 3 hour marathon exercise classes. I’m virtually as much as 20 pull ups and 100 pushups in a single set. I simply didn’t have the time to concentrate on my well being with a job.
  • Wandering concerning the world: I’ve the time to mosey about at a gradual tempo. It’s enjoyable to simply soar within the automotive and have it drive me to the mountains or ocean.
  • Taking it gradual: I’m nonetheless engaged on this one. However once I get it proper, it’s very nice to not rush from one factor to the subsequent in a frenzy. Life is nice when you may transfer just a little slower and have a look at clouds, stars, sunrises, and sunsets.

And all of those factor result in happiness, simply not at all times immediately. For instance, pushing myself on the gymnasium isn’t tremendous enjoyable. Nevertheless, being in high form now will result in longer healthspan. Life doesn’t imply a lot in case you don’t have your well being.

Life Is Good

I typically get misplaced within the bustle of my every day routine. A part of actually appreciating FI and life is taking time day-after-day to contemplate simply how nice life is. I don’t have any tattoos, however possibly I’ll get a kind of quotes from Our City plastered on my arm to remind myself day-after-day how good all of it is. Or possibly I’ll get one among these programmable indicators:

Life is nice. Cease and go searching each every so often. It’s all fairly superb.

Extra 1500 Days!!!

You can too discover me (and the dinosaurs) at:



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ByTerfa Ukende
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Terfa Ukende is a seasoned financial writer with over seven years of experience covering topics on finance, investment, and economic development. He began his writing career with NewsWay before joining Watch Nigeria, where he continues to educate readers on wealth building, market trends, and smart money management. He holds a Bachelor’s degree in Statistics and Computer Science, which strengthens his analytical approach to financial reporting and investment insights.
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