It is not about money

FIRE and money

For the last couple of months I’ve read a lot of different FIRE blogs. From new, fresh ones, to pretty old-timers and iconic bloggers.

Unfortunately, almost every post I’ve read was about the same topic. And this topic was money.

Dah… FIRE stands for Finencial Independence Retire Early. What else can FIRE bloggers talk about?

Don’t get me wrong, I don’t mind money. And I definitely don’t mind talking about money. But people tend to forget that money is just a tool for something else, something bigger.

It’s not about money.

Generally speaking the word “retirement” has its own negative aftertaste if you wish. People don’t like it. Plainly it means you’ve worked the whole life and now you’re old. I don’t like this word either.

Don’t live just for money

I’ve been living in Russia for the most of my life and in my motherland this word is even worse than a curse. It means you’re almost dead and living below the poverty level.

Early Retirement in addition to Financial Independence is different. It changes the whole aftertaste of this ugly and unpleasant word “retirement”, at least it does it for me. It changes the whole perspective of my life from “Have to” to “Want to”.

FIRE is not about money, no. Money is just a tool, that gives you FREEDOM. Freedom to chose.

Recently Mrs. FR and I had a conversation:

Mrs. FR: What if I like to do what I am doing now? What if I like my job?
Mr. FR: Excelent, FIRE doesn’t mean you have to stop working. But today, even if you like your job, you go to work because you have to, not because you want to.
Mrs. FR: Yes, you are right.
Mr. FR: FIRE gives us a choice that we don’t have today. We do what we HAVE to do.

Financial Independence is not about money. It’s about freedom. Freedom to say YES to new opportunities, freedom to say NO to extra work on weekends and holidays. Freedom to start a business, freedom to help people, freedom to inspire others and be inspired.


Remember, FIRE is not about money.

WHY Is Important

If money is not strong enough motivator, what is? There should be something else than just pile of money. Money is WHAT, it’s an object.

But WHY you need money is completely different question and motivator. As I mentioned above, every person has its on strong and unique motivation. I can tell you about mine.

I have two big enough WHYs:

I would like to travel all over the world on my motorcycle.

One day I will hit the read, hopefully with my lovely wife, and we will ride all over the world. Without having deadlines or restrictions. Riding all over the world, meeting the people, learning their stories and sharing our journey with them.

Teach and inspire others. Show them that the American Dream is alive and everyone can live it.

I do believe that American Dream is alive; and I believe in it. I believe that everyone can be successful in America, but it requires a lot of hard work, sweat and determination. Your origin doesn’t matter. Your skin color doesn’t matter. Your faith doesn’t matter. Your accent doesn’t matter.

Only your hard work, god’s help and health economic environment matters. And I write this blog to share my story and inspire as much people as possible.

What’s is your why?

I asked my twitter followers why do they pursue financial independence, about their dream and I like what Money Money With Mew replied back

Why do you want to be financial independent? Is it just because of money? Or you have another bigger and more powerful reason. What’s your reason? What’s your why?

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10 Responses to It is not about money

  1. Your “why” is probably the most important thing in life. But like you said, it has to go beyond superficial things like, “I’m doing this because I want money.” It has to be deep and meaningful. It’s the reason you get out of bed in the morning.
    Mrs. Picky Pincher recently posted…What A Frugal Weekend! July 2My Profile

  2. Meow says:

    Спасибо, dear Friendly Russian, for the twitter shoutout! I have distant family members who had zero goals beyond dying with the biggest stack of cash and it was not a pleasant life for them.
    Meow recently posted…Meow’s Dividend Journey: June 2017My Profile

  3. Eliza says:

    So true that money is a tool Friendly Russian. My ‘why’ has changed a lot since my early twenties. Initially it was just to get away from a profession I didn’t enjoy and 9-5 living. But now it’s about being able to make choices as my life shifts and evolves. I thought I would go straight back to work after having a baby. Turns out I wanted to spend the first year with her and I could because we live a simple lifestyle. I’ve also found I really enjoy big challenges, so I’m not driven by the RE part of FIRE anymore.

    • Freedom of choice it worth all the effort you’ve made. And your passion for big challenges and desire to work is awesome, especially when you LIKE it and WANT it. That’s awesome.

      Thanks, Eliza, for stopping by.

  4. “Financial Independence is not about money. It’s about freedom.”

    So true.

    Just because you’re financially independent doesn’t mean you have to retire into an old folks home and play gin every day after eating tapioca pudding.

    It’s a new beginning, a chance to do what makes you happy without money being the reason you want to do it. It’s an opportunity to do what matters in life rather than being shackled to a 9-5 job you might not enjoy.

    Great post!

    — Jim
    Jim @ Route To Retire recently posted…Panama Vacation – Part 2 – BoqueteMy Profile

  5. MrWow says:

    Our why is coming into focus more and more each day. We’re getting closer to figuring out what we want, then we’ll just have to pave the path to get there.

    Travel is a big part of it for us, we’re looking forward to it.

    What kind of bike do you have? If you ever make it our way, let’s go for a ride!!

    • Travel is an awesome WHY. Congrats on figuring out your ‘WHY’.
      I ride Honda XR650L it’s a dual-sport motorcycle, one day I will ride all across America 😉
      This summer I’m riding to San Diego from San Francisco via Hw-1 and on the way back home will be in LA for a day or so.

  6. Could not agree more! Financial Independence is the part I like to concentrate on, because I want to be “not dependent”, not depend on my job, my government, my family or spouse to support myself. I love my job, and will probably keep at it long past FI as long as the culture remains positive and the work to my liking. Thanks for the clarification and inspiration 🙂

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