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Watch Nigeria > Blog > Financial Literacy > Introducing The FI Collective – 1500 Days to Freedom
Financial Literacy

Introducing The FI Collective – 1500 Days to Freedom

Last updated: January 5, 2026 6:33 pm
Terfa Ukende
4 days ago
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Introducing The FI Collective – 1500 Days to Freedom
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Contents
  • A Lovely Day In Longmont
  • An E mail Reply Turns into An Inflection Level
  • Group
  • MMM HQ Is Now The FI Collective
  • Life Is Good
  • Extra 1500 Days!!!

I used to be listening to a current podcast with Morgan Housel. I’ve a variety of respect for Morgan, so was dissatisfied to listen to him say this:

Everybody I do know who retired early has gone again to work.

My expertise has been virtually the precise reverse of Morgan’s. I do know loads early retirees and virtually none have gone again to work. Those who have went again to work on fascinating tasks on their very own phrases.

But additionally, I stay in a bubble.

A Lovely Day In Longmont

A few weeks in the past I used to be on the fitness center on the working observe. My routine is to stroll laps between units of pull ups and push ups. I occurred to look out the window and did a double-take:

Introducing The FI Collective – 1500 Days to Freedom

I’m a cold-weather individual, so views like this gentle me up. On the way in which house, I pulled over and took a go searching:

Wow, simply wow. It was 11:39am on a Thursday and I had simply spent virtually 3 hours on the fitness center. How lucky am I to have the ability to spend this a lot time engaged on my well being? How lucky am I to stay in a spot that appears like this?

However it wasn’t the pure magnificence that introduced me to Longmont. It was the individuals.

An E mail Reply Turns into An Inflection Level

Mindy and moved to Colorado again in 2012. However we must always have given the transfer extra thought. We strongly disliked the place we moved to. We had been frugal DIY individuals who drove previous vehicles and appreciated to stroll. Our new neighbors had been in a contest to outspend one another. Their highschool youngsters had nicer vehicles than we did. We had nothing in common.

Making buddies as an grownup is difficult. There was no manner I used to be going to seek out good group on this place. We listed our house weeks after we purchased it and made plans to maneuver again to the Midwest. Then I found the Mr. Money Mustache blog and shortly realized that the mysterious MMM (he was nameless on the time) lived in Colorado. His writing resonated with me and my values, so certainly he should stay in a greater city than the one we had simply moved to.

I despatched MMM an e-mail not anticipating him to reply. However reply he did. In early 2013, he gave us a tour of Longmont and we determined to provide the city a take a look at run. Longmont resonated with us and we’re nonetheless right here, virtually 13 years later.

One thing I take into account typically is that this: It Pete hadn’t returned that e-mail, we’d have by no means come as much as Longmont. We’d have offered our house and hightailed it again to the Midwest. We most likely would have been OK there, however I don’t suppose it could have been pretty much as good as what we’ve got now.

Group

Whereas Longmont has quite a bit to supply, what actually makes it particular is the group. The MMM tractor beam is powerful, attracting enjoyable individuals from all around the United States and even different nations. Some come to go to. Others make it their house.

Even essentially the most awkward introvert like me must be round different people. The bipeds that I’m comfy round exist in a slender spectrum. And it’s even tougher to construct relationships when everyone seems to be at work. However due to the MMM Impact, there are many folks residing the identical life with the identical values. It’s nice to get on the climbing trails on a weekday morning when the remainder of the world isn’t there.

Simply one other day in Colorado.

Do you need to stay a protracted and completely happy life? One of the crucial vital components is community. And once more right here in Longmont, I’m so lucky to have this. We actually have a dedicated clubhouse proper on stunning Predominant Road.

MMM HQ Is Now The FI Collective

A few of you could know that I personal the clubhouse right here in Longmont with MMM-Pete. Till just lately, we’d have known as it a coworking house. However we observed an fascinating phenomenon; a lot of the of us who had been members didn’t use the house for work. Most had joined for the social side. We additionally acquired emails ceaselessly from distant of us who occurred to be on the town and needed to go to the house. Nonetheless others solely needed to make use of the house sporadically. So we determined to alter issues up.

MMM HQ Coworking is now the FI Collective. Our new focus is utilizing the house to host and construct our group. We’re including a lot of alternatives to hang around (you may see a few of them here). We’ve additionally added an choice for people who’re distant:

Fascinated by being part of our group and supporting the house? Learn extra about memberships here.

Life Is Good

I’m so grateful that my life has turned out the way in which it has. I at all times felt like a weirdo earlier than I found this group. I didn’t have a tribe.

Why is it that everybody simply needs to speak about sports activities or TV reveals?

Once I found MMM, I believed that the FIRE house can be a short lived and quick a part of my life. I might be taught as a lot as I might to get my cash straight. I might doc my journey to monetary independence by way of this weblog which I’d delete after 1,500 days (or at any time when I made my aim). I might transfer on to no matter got here subsequent. It didn’t work out that manner.

Whereas I write much less, I nonetheless take pleasure in it. So the weblog remains to be alive 4,752 days after my first put up on 1/1/2013.

And I nonetheless benefit from the private finance house, however another way. I got here for the cash and stayed for the individuals. Dwelling in an eclectic, good and considerate group is an actual present.

Perhaps I’ll see you round Longmont someday?

Sundown over the mountains

Extra 1500 Days!!!

You too can 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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