One Step At A Time.

The long road to financial independence.

Category: Uncategorized (page 1 of 2)

Jack of all trades

Today our society tends to move more and more towards specialization. You can buy everything prefabricared and you are supposed to hyperspecialize in your job.

When it comes to your life, you should really consider if this makes sense for you.

Here are some examples, what we do on our own. Many examples are mundane - but that is just fine considering that many people can not boil an egg, without a special appliance.

We are our own chefs

Every morning we stand in our kitchen and prepare a meal tailoned exactly to our taste. Additionaly we have complete controll over all the ingredients - which is great since we both are on a special diet.

Its cheaper and healthier than to buy a meal every day - and best of all cooking is a skill and we are getting better and better.

We are barbers

Jupp. It probably doesnt look great, but this saves money and is relatively simple to learn.

For the ladies this is probably a bigger challenge - but it should save you gals even more money.

We are our own farmers

We have a little garden and are starting to grow our own food. I wont argue that this is cheaper in every case - it isnt - but its great to do it.

We build our own furniture

Some of our own furniture is hand-made. You really don't have to buy every piece of furniture. It's awesome to have some pieces custom made by you.

We repair our devices

If a device is broken, we try to fix it. Sometimes this is beyound us - but often it works.

What has this to do with retirement?

My point is - you don't have to buy everything. Use your money and save money to build the skills you want. You don't have to be perfect.

This is very rewarding right now.

As a retitree you will probably be very happy to be into knitting and soldering.

About wealth

Wealth is the amount of time, where you can do what you want.

How do money and wealth relate?

Much money does not equal wealth

If you hate your job, earn a lot of money, reward yourself with big cars and a big house and spend as much as you earn - you are not wealthy. You are trapped in a situation you hate.

If you are a poor guy and really happy with the world as it is - you are wealthy.

Wealth is not about money. And you should be judge about whether you are healthy.

Of course money can be required to be wealthy - if you can not live a fullfilled life without it.

Wealth, income and expenses

So what if you have a job, but plan to retire early from it? How does wealth work there?

If you spent as much as you earn, every month and you can not live without the money - you will not reach the goal. You will not be wealthy.

If you can change your spending habits and save 25% of your income, you generate 10 days of wealth per month.

If you can save 50% of your income, you generate 1 month of wealth per month.

If can life of 25% of your income - save 75% you generate 3 months of wealth - every month.

I think you get the basic, powerful idea. Maybe you do not have to work forever after all.

Wow.. This sounds unrealistic

I hope you remember the introduction. You have to be content doing this. Otherwise this is all just a big pile of money.

But if you can pull this of it’s not unrealistic at all. This is all just simple math.

Even if you don’t believe me - I invite you to think about these ideas.

Where we will go next

This blog is about how to life a great life with less money, how to save and invest money and how to retire early.

Living the good life with less money: Books

I love reading. When I was young my parents heavily subsidized my book purchases. So I formed a habit of buying a lot of books.

When I became a programmer, this started to become more and more costly. Every few days the postman delivered my books.

When I started to budget and tried to invest money I noticed that I spent between 100-200 Euros on books every month.

This means 18.000 Euros over ten years. Quite a big sum.

I managed to get my book related expenses down to 20 Euros per month with these tricks. Spoiler: They are obvious - but only in hindsight.

The library

Most of my non technical books I get from our local library now. It has a quite an amazing assortment of great books. And: Every time I ask for them to buy a new one they buy it for me.

I enjoy being there. It gives me a sense of community to share all these books with many people.

Used books and selling books

For books that the library doesnt have, I buy used book over Amazon Marketplace. And after I read them, I sell them.

This makes, even expensive, books very affordable.

My employer

For work related books, my employer is happy to order them for me. And I can give these books to my colleagues and have them at hand in our companies library.

Saving is not about sacrifice

So you see: I still love books. I read as many as before. I enjoy walks to the library - and all the book-loving people there.

I do not have shelf after shelf full of books at home - but thats fine with me.

I save a ton of money - and still enjoy reading.

These are the kinds of things, you have to watch out for - where you waste money, without improving your life.


Forgiveness means giving up all hope for a better past.” - Lily Tomlin

Be the Tortoise Not the Hare.

ACCELERATE: Be the Tortoise Not the Hare from Issimo on Vimeo.

The world is a fantastic mystery

“The day you teach the child the name of the bird, the child will never see that bird again” – Krishnamurti

For a young child the world is a fantastic mystery.

Until it learns everything about problems. Until it learns problem solving. Until it categorizes and divides. Until there are words.

Until it learns who it is supposed to be. How it all works.

Until everything is a mere symbol in its head.

Until it stops looking at the world with fresh eyes.

Until all the wonder is hidden under a pile of thoughts.

Until it takes itself for all its problems.

Until it asks itself, what is missing, when nothing is missing.

Until it takes the symbols for what is. Until it is obsessed with problems and does not stop thinking.

It has that nagging feeling that it can not solve the problem of life. It really makes not that much sense if it thinks about it.

Until live is something really threatening that must be resisted. Because life doesn't work how it thought. The master plan failed.

When you are this child: Open your eyes again and really look.

The fantastic mystery was never lost. It can never be lost. It is just this.

You are just life. Life lives you. Relax.

Don't waste your life on problems. Don't waste it on words. Be a part of it. Enjoy the big mystery.

And if you see me doing something else: smile and wake me up.

Arguing with life

If you are in an argument with life, life wins! Every time. Take it lightly and be a good looser.

A great act

Life: Glorios improvisational theatre. Out now! Lean back and enjoy!

About time

Imagine there were no days. And no time.

How would you feel about problems in the future?

How would you feel about the past?

What would be you're story without a past? Would there be a story?

Who would be you without time? Would you even be?

What would be true? What would be false?

Would you even think these questions? Would there be any questions?

Can you find the answers in time? If there are answers?

Or do you have to just know them? Now.

Zucchini almond muffins

Healthy muffins. With no flour. With no sugar. Great for breakfast. Delicious!


  • 3 small zucchinis
  • 3 eggs
  • 150g almond flour
  • 1 onion
  • 2 garlic gloves
  • pepper
  • salt

How to bake the muffins

Preheat oven to 180°C.

Shred the zucchinis into small bits.

Cut the onion into very small pieces.

Add the eggs, the almond flour, the onion and mince the garlic.

Add salt and pepper.

Butter the muffin pan.

Mix the mass and put it into muffin pans.

Bake the muffins for 30 minutes.


Remove the muffins from the pan and add a self-made sauce. Or add bacon. Or eat them together with an fried egg.


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