- April 23, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Exploring the Concept of “Lying Flat” Financially
Greetings Everyone,
I am a 23-year-old individual from Australia seeking insights on how individuals have managed to achieve financial stability by embracing the concept of “lying flat.”
Lying flat is a lifestyle choice where individuals reject the notion of overworking and instead focus on meeting their basic needs with minimal effort. This approach challenges the traditional societal expectations of relentless work ethic.
The reason behind my query stems from my reluctance towards the idea of having to work tirelessly for over 30 years and conforming to the demands of the corporate world.
I aspire to work for a shorter period, around 10-15 years, diligently saving and investing to reach a point where I can practice BaristaFIRE. This allows me to engage in low-stress jobs or pursue personal interests for a living.
My ultimate goal is to own a modest townhome or villa in a cost-effective area of Australia, enabling me to lead a more relaxed lifestyle while still sustaining myself through work. I envision breaking free from the corporate rat race before reaching the age of 60.
In light of these aspirations, I am keen to hear diverse perspectives and advice from the community. Your insights and wisdom would be greatly valued.
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****** just grabbed a
We relocated from the UK to rural Spain, selling our mortgaged UK house and buying a smaller, cheaper house in Spain outright. With the change in living costs here I quit my full time job to work part time and husband retired early.
We plan to have two holidays a year but otherwise live well within our means. Previously I was earning 6 figures and working 50-60 hours a week. We are SO much happier and better off. Mental health has never been better!
We have ample income to enjoy life here. We have two cars, go out for meals, that kind of thing but we also live a much more relaxed life, less stress, more time for hobbies and enjoying the day to day. I have never read so many books. I walk our dogs in the morning and don’t feel I have to rush them. We have long lunches with friends on a weekend and we shop at the local market for fresh produce. It’s bliss.
The extra equity from our home has been invested in savings accounts with interest so we get a little income from that also.
I gained a high level of proficiency in my profession. It became easy for me to do the job in half the time it takes someone else to do it and even achieve better results than others. I got a job 2 levels down with a good salary. I work from home 3 days a week, and 2 days in the office. I put in about 3 full days of work per week. I raise issues and make suggestions for improvements to give the appearance that I am fully engaged.
I have never had any interest in lying flat or working some brainless job. That said I am considering the potential of CoastFIRE. My wife enjoys working more than I do…actually its more like my wife needs work to feel whole. Therefore she has expressed a total lack of interest in retirement. Given that I have realized that in 5 years we will likely have enough money saved in retirement that I could just quit and her income would cover all our expenses allowing our investments to just grow until whenever she eventually decides to stop like 15 years later.
Cant help but worry that would be a weird relationship dynamic though. Although I suppose 1 spouse working the other one not isnt that uncommon a dynamic. Id just be house husband.
Get a modest home paid off, sod cars and expensive hobbies and living of 20h/week is no real problem. FIRE? You ‘ll need additional, invested wealth for that, like half a million €/nose, for starters.
This is the fist I’m hearing of baristafire.
If you can get a good paying job and keep your expenses low, LeanFIRE is not too hard to achieve in 10-15 years. Take a look at the simple math of FIRE. If you save 55-65% of your income each year, you should be good to go in 10-15 years. That’s for actually FIREing too, so if you’re willing to BaristaFIRE, then you could get there with a lower savings rate. So the question is all on you now: can you live in such a way that you save 55-65% of your income?
https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
IDK if you are on r/baristafite or r/coastfire but these would be good subs for you to discuss the topic.
As for me, I plan to semi-retire in a few years, which is basically the definition of barista FIRE – quit my full time job and work part time/contract roles just to cover my expenses while my money grows more. I am at a point where I don’t want to work full time anymore and am just waiting for my kids to move out to reduce my expenses enough to do it. Admittedly, I have a pretty cake job now, but that took many years to build up to and it’s still full time.
If you have to explain the ‘movement’ you are referring to – then it’s not a movement