{"id":7052573,"date":"2026-08-31T10:26:18","date_gmt":"2026-08-31T10:26:18","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/the-way-or-why-we-invest\/"},"modified":"2026-08-31T10:26:18","modified_gmt":"2026-08-31T10:26:18","slug":"the-way-or-why-we-invest","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7052573","title":{"rendered":"The way. (Or, why we invest)"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<p><a href=\"https:\/\/monevator.com\/the-way-or-why-we-invest\/\" title=\"read more\"><img decoding=\"async\" data-recalc-dims=\"1\" loading=\"lazy\" class=\"post_image\" src=\"https:\/\/i0.wp.com\/monevator.com\/wp-content\/uploads\/2026\/08\/Walking-in-FIRE-Main.jpg?resize=300%2C300&amp;ssl=1\" width=\"300\" height=\"300\" alt=\"Two walking boots in front of some mountains\" \/><\/a><\/p>\n<p><span class=\"drop_cap\">I<\/span> like walking. Fortunately, so does my wife.<\/p>\n<p>Our longest walk is the <a href=\"https:\/\/www.southwestcoastpath.org.uk\/walk-coast-path\/south-west-coast-path-national-trail\/\" target=\"_blank\" rel=\"noreferrer noopener\">South West Coast Path<\/a>. It took us seven years to cover all 630 miles, fitting in a week here and there while we worked full-time.<\/p>\n<p>Our second longest walk is the <a href=\"https:\/\/caminoways.com\/camino-frances\" target=\"_blank\" rel=\"noreferrer noopener\">Camino Franc\u00e9s<\/a>, a more modest 500 miles. We completed this in one go, over a leisurely couple of months earlier this year.<\/p>\n<p>Why all in one go? Because we can. We don\u2019t have to work now.<\/p>\n<p>This is why I invest.<\/p>\n<p>My interest in investing is not for its own sake but because it will allow me to go for long walks. Really long walks.<\/p>\n<h2 class=\"wp-block-heading\">Against the flow<\/h2>\n<p>The Camino Franc\u00e9s runs from the French side of the Pyrenees, through northern Spain to Santiago de Compostela in the west of the country, where traditionally pilgrims would visit the shrine of St James.<\/p>\n<p>But, to the surprise, amusement \u2013\u00a0and occasionally horror \u2013 of other pilgrims, we walked it in reverse. Somehow it felt more natural to be walking away from civilisation and towards the mountains.<\/p>\n<p>This meant we would typically start and end our daily walk alone but meet a lot of people going the other way around the middle of the day.<\/p>\n<p>There must be\u00a0a\u00a0contrarian\u00a0investing\u00a0metaphor in there somewhere.\u00a0<\/p>\n<h3 class=\"wp-block-heading\">The cost<\/h3>\n<p>You don\u2019t need the investing success of <a href=\"https:\/\/monevator.com\/how-did-warren-buffett-get-rich\/\" target=\"_blank\" rel=\"noreferrer noopener\">Warren Buffett<\/a> to walk the Camino. It\u2019s possible to get by on very little if you choose the right hostels.<\/p>\n<p>And when your path takes you through El Bierzo, La Rioja, and Navarra you can always find a decent red to go with your paella, whatever your means.<\/p>\n<p>We didn\u2019t scrimp \u2013 I like a nice room and a decent meal after a long walk \u2013 but we still ended up spending less in those two months walking than we normally do living at home. We don\u2019t need more money to go walking.<\/p>\n<p>If my preferred pastime was motor sports or polo then I would need a very different financial plan (and probably to have worked a different career).<\/p>\n<p>But it\u2019s not. I like walking. And I\u2019m happy about that.<\/p>\n<h3 class=\"wp-block-heading\">The Meseta<\/h3>\n<p>The heart of the Camino Franc\u00e9s is the Meseta; a vast high plateau of beautiful monotony. If you\u2019re going to have an epiphany on your pilgrimage, then this is where it will happen.<\/p>\n<p>It took us eight days to walk across the Meseta, from Le\u00f3n to Burgos. Plenty of time to think about life. Many of the people we met were grappling with some sort of work, relationship, or existential conundrum.<\/p>\n<p>For the most part, my inner thoughts would not be of much interest to you \u2013 and may be embarrassing for me.<\/p>\n<p>But I did dwell for a while on the nature of my retirement.<\/p>\n<h3 class=\"wp-block-heading\">Retirement<\/h3>\n<p>I\u2019m still uncomfortable with the word retirement. It seems too negative, like I\u2019ve just given up. Even now, I hesitate awkwardly when people ask me what I do.<\/p>\n<p>I stopped working a couple of years ago. It was the right time. I\u2019d worked hard, done some long hours, had some success, and the joy in it was beginning to ebb.<\/p>\n<p>And, of course, our investments had reached <a href=\"https:\/\/monevator.com\/financial-independence-plan\/\" target=\"_blank\" rel=\"noreferrer noopener\">the point<\/a> where paid work was optional.<\/p>\n<p>I wasn\u2019t short of advice on what I should do when I gave up work. Some of it solicited, some of it not.<\/p>\n<p>One thing everyone was sure about was that I would need to keep myself busy. I should work part time, or do some consulting, or volunteer for a charity. At the very least I should keep a structured routine.<\/p>\n<p>I was warned that many people became bored and depressed when they retire \u2013 and end up going <a href=\"https:\/\/monevator.com\/why-are-we-surprised-when-would-be-early-retirees-have-second-thoughts\/\" target=\"_blank\" rel=\"noreferrer noopener\">back to work<\/a> or spiralling down into a <em>Cash in the Attic<\/em> torpor.<\/p>\n<p>But despite this advice, I didn\u2019t take on anything new straightaway. We were already renovating a house and had just had a new grandchild. I gave myself some space (as the self-help books like to say) to think about things for a while.<\/p>\n<p>I quite enjoyed that space. And then we went walking.<\/p>\n<p>Out on the Meseta, I decided that I would ignore all the advice. Simply put, <strong>I really like not working. <\/strong>I don\u2019t want another job, or objectives, or more dates in my diary.<\/p>\n<p>The only routine I value is the simple rhythm of a long trail: walk, drink, eat, sleep.<\/p>\n<p>The least important things hold my interest; the smallest things give me joy. I\u2019m not the same person I was when I worked.<\/p>\n<h2 class=\"wp-block-heading\">FIRE, aim, ready<\/h2>\n<p>Perhaps you know exactly what you\u2019ll be doing when you finally stop work. But I\u2019m figuring it out as I go along.<\/p>\n<p>Who knows, maybe I\u2019ll change my mind again and retrain as an accountant next year.<\/p>\n<p>It\u2019s prudent to occasionally remind yourself of <a href=\"https:\/\/monevator.com\/asset-allocation-investment-goals\/\" target=\"_blank\" rel=\"noreferrer noopener\">your reasons<\/a> for investing. It\u2019s hard to make good investing decisions if you\u2019re not clear on why you\u2019re doing it.<\/p>\n<p>That doesn\u2019t mean though that you need your future mapped out in detail and set in stone.<\/p>\n<p>You\u2019ll get plenty of advice on retirement. Some you may even find useful. Feel free to discard the rest. Only you will know what\u2019s right.<\/p>\n<h2 class=\"wp-block-heading\">The end?<\/h2>\n<p>On our last day on the Camino, it rained. The beautiful views on the descent to Saint-Jean-Pied-de-Port were lost behind low cloud.<\/p>\n<p>That\u2019s part of walking. Some you win and some you lose.<\/p>\n<p>The next day I started planning another walk: the Via di Francesco, from Rome to Florence through the Apennines.<\/p>\n<p>I\u2019m confident my money <a href=\"https:\/\/monevator.com\/what-is-a-sustainable-withdrawal-rate-for-a-world-portfolio\/\" target=\"_blank\" rel=\"noreferrer noopener\">will last<\/a>. What I don\u2019t know is how many years of pack-carrying trail walking I\u2019ve got left in me.<\/p>\n<p>I intend to make the most of them while I can.<\/p>\n<p><em>Buen Camino!<\/em><\/p>\n<p>The post <a href=\"https:\/\/monevator.com\/the-way-or-why-we-invest\/\">The way. (Or, why we invest)<\/a> appeared first on <a href=\"https:\/\/monevator.com\">Monevator<\/a>.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>I like walking. Fortunately, so does my wife. Our longest walk is the South West Coast Path. It took us seven years to cover all 630 miles, fitting in a week here and there while we worked full-time. Our second longest walk is the Camino Franc\u00e9s, a more modest 500 miles. We completed this in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7052574,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11079],"dealstore":[],"offerexpiration":[],"class_list":["post-7052573","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-invest"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The way. (Or, why we invest) - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7052573\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The way. 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