From the outside, most of my friends and family probably view me as someone who has her life together. Someone who has it all figured out. It certainly appears that way: I have a good career that I’ve stuck with for the last 18 years, I’ve owned my home for 16 years, and I’m on the path towards financial independence/early retirement. But I can guarantee you that I definitely do not have life figured out.
On numerous occasions over the years I’ve said to my mom, “I always figured that by this age I’d know what I’m doing.” And my mom would reply, “I’m still trying to figure it out.” Do we ever reach a point where we finally get it, or does life evolve too quickly so there’s always something we’re trying to sort out?
I read a lot of personal finance blogs and I’m always wary of those that are overly confident in what they’re writing about. As a reader, it’s important for you to know that none of us are actually experts. We are talking about the methods that have worked for us. Mostly. The blogs that drive me crazy are those that say everyone should be doing “x” regardless of considering anyone’s personal situation and goals.
I feel like we’re doing a disservice to anyone reading, without providing multiple options based on various scenarios. As bloggers, shouldn’t we instead question the status quo and generic assumptions? Or at the very least, provide the math to illustrate our point?
It’s for this reason that I’m constantly reviewing my investments, running calculations (cash flow, specifically), and – most importantly – keeping an eye on the new administration’s plans for tax reform and healthcare. Circumstances are ever evolving so we need to evolve with them.
Although I may appear to have everything figured out, I can promise you 100% that it simply isn’t the case. And I doubt I ever will.