What I love about retirement so far is how much less my already modest expenses are.I used to subway to work. $2.30 each way, twice a day, 5 days a week, $100 a month, easy. KA-CHING!Then you gotta go find some expensive crap for lunch, just to get out of the office for a while. $5 a day, KA-CHING!Then there were those Social Security and Medicare deduction from the paycheck. $6,854.58 a year. $571 a month! KA-CHING! Next time I talk to those folks, it is going to be to start getting that money back!Shirts and ties and suits? I don't think so! KA-CHING!Then there's the State and Federal Income tax.... way north of $2000 a month KA-CHING. Now my income is in my tax exempt accounts and I draw down from my taxable accounts. Income, what income? he-he-he!....and the contributions to those savings plans, at least $1000 a month, year after year, hoping I'd not regret it some day. KA-CHING!There were times when I was working when I felt like I should just take out a big insurance policy, make all these people who had a hand out the beneficiaries, blow my brains out and eliminate the middle man :(Free at last, free at last, Great God Almighty I am free at last! How did I do it? I paid myself first.
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