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Watch Nigeria > Blog > Financial Literacy > The Arizona Experiment!
Financial Literacy

The Arizona Experiment!

Last updated: December 25, 2025 11:52 pm
Terfa Ukende
3 days ago
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The Arizona Experiment!
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The Arizona Experiment!
–

The factor that drew me to early retirement is freedom, and that’s nonetheless the most effective a part of it. 

Again in 2005, the first motive for this freedom-seeking was having the ability to dedicate my greatest hours to being a Dad – I had a sense my profession in tech can be too demanding to maintain as soon as the full-time job of elevating kids kicked in.

Eighteen years later, wow has that guess ever turned out to be proper. Early retirement has proved to be essentially the most wonderful, worthwhile journey and it’s nonetheless simply getting began. It was an astonishing 13 years in the past that I wrote to you about Little MM starting kindergarten, and now he’s finished with highschool.

It has given me the area to get pleasure from so many new experiences, working arduous and taking part in arduous typically, but additionally slowing issues means down when essential, to cope with and develop by means of some actual hardships.

However now, with that child-raising section lastly nearly finished, I’m cashing in a number of of these Freedom Chips for a very huge change: shifting to a heat sunny place for the winter to check out a brand new life within the walkable, bikeable, car-free neighborhood you’ve in all probability heard me raving about prior to now: Culdesac Tempe.

So on the primary of December I’ll be packing up the important garments, instruments and devices, and throwing my absolute best mountain bike onto the Mannequin Y to make the epic highway journey throughout the mountains. Simply in time to flee the incoming Colorado winter. And my son can be becoming a member of me for the journey!

In search of updates? I’ve added a separate tracker web page here.

Heading West…

We’ve booked ourselves a spacious two bed room condo there, for 4 full months. Little MM can be roughly alternating his months between Arizona and Colorado so he can nonetheless have time with each mother and father, whereas I’ll be there the entire time. 

An enormous a part of the enjoyable is that this may power me to invent a complete new life for myself, away from the simple comforts of the large neighborhood and plentiful development websites that preserve me so busy right here.  It is going to be each a giant change and a major problem, which is strictly what all of us want regularly to maintain life stuffed with that means and pleasure. 

So What Are You Going to Do in Arizona?

Trying ahead to changing this with a *actual* Arizona mountain biking image I can be taking quickly.

The precise particulars are nonetheless within the works, and I’d love to listen to your concepts and suggestions (see the “get in contact” word beneath. However right here’s what I’ve received to this point:

  • Meet as many new folks as potential, and reply the burning query all of us have: what sort of folks select to maneuver to a car-free neighborhood within the middle of a super-car-based metropolis?
  • And naturally hang around with present associates who reside within the space – do you know our personal Coverage Critic (aka Chris Smith) already lives in Culdesac?
  • Share a number of the experiences, whether or not good or dangerous, right here on MMM and on locations like Twitter and Instagram so you may reside vicariously by means of this expertise.
  • Use my newly liberated further free time to go to their kickass on-site health club to get in further good condition. 
  • Use extra of that free time to jot down extra weblog posts and sweep a number of the cobwebs off of this uncared for on-line persona of mine.
  • Have a look at the climate app on my cellphone periodically to cackle on the blizzards I’m lacking in Colorado and rejoice my success as compared (the everyday “winter” day in Tempe is usually within the mid-70s which suggests sandals and palm timber and outside eating the entire time)
  • Host a number of meetups in Culdesac’s outside plazas like we did last March
  • Begin a unusual free handyman enterprise the place I assist new residents arrange their IKEA furnishings and transfer heavy stuff and hold work, as a combo of assembly folks and being helpful and exercising my compulsion to construct stuff.
  • Experience bikes! Loads. Discover the distant corners of the Phoenix metro space and the encompassing desert valley and mountain trails on mountain bikes, common bikes, and the e-bike that comes included with the primary 200 Culdesac flats.
  • And maybe most significantly, assist my almost-adult son get all kinds of latest experiences throughout his visits, by residing in a model new metropolis for the primary time since he was born waaaay again in the identical period as my very own early retirement.
One among Culdesac’s primary “parking heaps”, adjoining a restaurant patio
My future health club (particularly the stuff within the far background)

Is There a Greater Image To All This?

Okay, you’re onto me. If I’m going to go to the difficulty of typing shit into the pc and sharing it with you, there’s often a goal behind it different than simply journaling my very own private life, and this one other a type of instances. 

To begin with, there are the first-layer egocentric targets: I need to have the most effective winter ever, meet a bunch of good new folks, and I additionally need Culdesac to be an enormous success so they’ll construct extra neighborhoods like this across the nation and set an instance that completely improves the best way US cities construct and increase themselves sooner or later.

A lot Higher than Parking Heaps

However even if you happen to don’t care about all that, I additionally need to use this as slightly assertion about making an attempt deliberate life modifications.

By throwing myself into a brand new neighborhood which aligns so properly with my very own values, I hope to function a reminder that perhaps you may need to attempt the identical factor. Or simply attempt something new.

In a snug, affluent nation like ours, a number of the in-built tendencies of Human nature are inclined to work towards us, saying,

“Hey – I’ve observed we’ve loads of meals and cheap shelter and that’s adequate.
So let’s simply double down on the Netflix, consolation meals, and occasional luxurious purchases and that can preserve us protected.”

As an alternative, I would like you to set your life treadmill to only a little bit of a steeper, more healthy incline setting.

Which means questioning the established order and doing all your greatest to maintain at the least one little experiment on the go within the background. Perhaps meaning forcing your self to maneuver to a greater place, or taking steps in the direction of getting a brand new job that provides you a greater work-life steadiness.

The largest transfer I ever made was leaving household and associates and my outdated job behind to maneuver to the US, alone, at age 24. Trying again, I’m shocked I had the braveness (and the organizational abilities) to tug that off again then. I’ve change into older and a bit slower, and so comfy that it’s arduous to think about doing one thing so daring now.

However even right this moment 24 years later, I thank my previous self each single day for doing it. My current life is an extremely totally different and higher factor due to that previous little bit of braveness.

The spirit of constructive experimentation may also imply beginning to problem your physique extra often – giving it tougher work and exposing it to a wider swath of temperatures and actions. Or becoming a member of new Meetup teams to increase your circle of associates and experiences. 

It doesn’t actually matter precisely what you do, so long as you level your toes in what feels like a very good route and simply begin shifting. Create some purposeful change, which is able to certainly really feel a bit tough, just because change is tough. And arduous issues are good. 

Future Arizona Neighbors: I’ll see you in 4 weeks!

Additional studying: I’ve been studying books, doing life experiments, and writing concerning the worth of strategic hardship for some time now. However the newest is a e book referred to as Dopamine Nation by the proficient psychiatrist/writer named Dr. Anna Lembke.

To summarize: your mind creates a baseline for happiness based mostly on the HARDEST factor you do, after which compares every part else to that. So if you happen to do arduous issues, life generally appears implausible due to this attitude. Should you get rid of all hardship, all of a sudden even the pleasures of life appear bland, and you reside a spoiled and unmotivated life.


To get in contact: ship me a DM on Instagram or use the e-mail tackle “e-newsletter” on the area of this web site. (Newsletter subscribers also can simply reply to this put up if you happen to obtained it by way of e-mail.)

Eager about stopping by to your personal Mini Culdesac Experiment? They’ve a number of short-term leases out there at fairly cheap charges (lower than close by motels) – examine em out at book.culdesac.com

What is going to you do together with your automobile?

I’m bringing the automobile simply as a handy electrical shifting truck to hold two folks and 4 months of residing provides. As soon as I get there, I’ll discover a protected place to park it offsite and reside the total car-free life-style of Culdesac, very like I do after I’m right here at house. I sometimes solely use automobiles to hold actually heavy stuff or for journeys to different cities and states, nevertheless it’s even simpler to perform this in Tempe with its location proper on the sunshine rail and with their onsite bike, scooter and even automobile sharing heaps.

What about your home?

My place in Colorado is presently arrange as a two bed room home on the principle flooring, plus an condo with a separate entrance on the walkout decrease degree. Once I’m at house, I take advantage of the entire thing as one house – the condo simply makes a terrific place to host a reasonably fixed stream of visiting associates. However for the winter I’m hoping to hire out one in every of these areas to a buddy or trusted acquaintance who will take excellent care of every part, whereas I go away the opposite part free for the occasional visits I’ll be paying to this space over the winter. Except for maintaining a tally of the place, it will likely be an effective way to apply the age-old Mustachian strategy of making money while taking vacations!

What Occurs on the Finish of March?

Because it stands, I’ve no plans past this level. I’ll head again to Colorado for my house base, however with this being a brand new section of life I’ll be layering on new adventures. Except for the 2 mountain properties that I’ve been serving to to construct out, I’ll find yourself with an MMM Mountain Retreat of my very own sometime.

Conclusion: ongoing ideas on the Culdesac experiment are right here: https://mrmoneymustache.com/culdesac/





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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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