{"id":7064070,"date":"2026-09-22T13:34:18","date_gmt":"2026-09-22T13:34:18","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/fire-update-year-five-monevator\/"},"modified":"2026-09-22T13:34:18","modified_gmt":"2026-09-22T13:34:18","slug":"fire-update-year-five-monevator","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7064070","title":{"rendered":"FIRE update: year five &#8211; Monevator"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><span class=\"drop_cap\">I<\/span> am writing this at 9.30 on a Monday morning, sitting in the garden. <em><a href=\"https:\/\/monevator.com\/fire-partner\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mrs Accumulator<\/a><\/em> has just waved to me through the window and I can scarcely believe she\u2019s there.<\/p>\n<p>The past year has been strange, full of awkward trials and tiny tribulations, but the moment that\u2019s just passed between us \u2013 well, it doesn\u2019t get better than that. <sup\/><\/p>\n<p>About five years ago, <sup\/> I\u2019d have been desperately fighting bin-fires at the office, with no <em>Mrs TA<\/em> within a country mile.\u00a0<\/p>\n<p>Work would have felt like one of those mad videogames where pointless cack (pizza, pies, U-boats, whatever) hurtles at you down a conveyor belt while your energy bar ebbs away.\u00a0<\/p>\n<p>Now I\u2019m in a soggy garden with the scent of pine resin up my nose. It feels like heaven.\u00a0<\/p>\n<h2 class=\"wp-block-heading\">God, that went fast<\/h2>\n<p>I haven\u2019t had much time to reflect of late. To think about how chuffing lucky I am. Though the feeling bleeds through my every day.\u00a0<\/p>\n<p>From one perspective, the past year has felt like an extra level in that crazy conveyor belt game:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>Here comes a devastating diagnosis. Scratch one parent! (It\u2019s not the end yet, but it\u2019s the beginning of the end.)<\/li>\n<li>Now incinerate hundreds of hours on a communal endeavour with no \u2018We\u2019 in community.\u00a0<\/li>\n<li>Next, feel the spread of aches and pains that likely can\u2019t be ignored much longer, nor fixed. Goddamn age.\u00a0<\/li>\n<li>Watch people you love trapped in torment. Feel powerless to help them. \u00a0<\/li>\n<li>Fail to fulfill some promises to good friends while you arbitrage the above.\u00a0<\/li>\n<\/ul>\n<p>Yet from another perspective, I\u2019m happy I met the challenges that came my way. Whether they\u2019d feature among the golden beaches and labradors of a retirement brochure is beside the point. No-one else fancied it, so it had to be me.\u00a0<\/p>\n<p>Perhaps I made a difference to my loved ones. And others further down my contacts list. Either way, it made me feel useful. That\u2019s pretty vital for a retired male.\u00a0<\/p>\n<p>Much of what I\u2019ve done has no place on a CV, or Linkedin. It probably won\u2019t make my memoirs (available soon!), or even a FIRE post about how amazing <a href=\"https:\/\/monevator.com\/fire\/\" target=\"_blank\" rel=\"noreferrer noopener\">FIRE<\/a> is. But I\u2019m still glad I did it.\u00a0<\/p>\n<p>It meant something to someone. It meant something to me. Certainly it was waaaay better than hitting the Q3 stretch target for BastardoCorps PLC.\u00a0<\/p>\n<p>Virtually none of it was in the plan.\u00a0<\/p>\n<h2 class=\"wp-block-heading\">This was the plan<\/h2>\n<p>Before I retired early, I sketched out an idealised structure for my week because I feared I might otherwise just lie in bed:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>Monday \u2013 Walk, read, all day<\/li>\n<li>Tuesday \u2013 <em>Monevator<\/em><\/li>\n<li>Wednesday \u2013 <em>Monevator<\/em><\/li>\n<li>Thursday \u2013 New skill<\/li>\n<li>Friday \u2013 Volunteer<\/li>\n<li>Saturday \u2013 Day out with <em>Mrs Accumulator<\/em><\/li>\n<li>Sunday \u2013 Day out with <em>Mrs Accumulator<\/em><\/li>\n<\/ul>\n<p>It all happens, but fragmented and frittered across formless weeks and months. No week looks like this.\u00a0Also, the volunteer part has not featured me giving my time to a worthy cause, so I need to sort that out.\u00a0<\/p>\n<p>Here\u2019s a list of activities five-years-ago me thought I\u2019d try with my oodles of spare time:<\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody>\n<tr>\n<td><strong>Try-out<\/strong><\/td>\n<td><strong>Five-year verdict<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Carpentry <\/td>\n<td>No chance!<\/td>\n<\/tr>\n<tr>\n<td>Growing vegetables<\/td>\n<td>Didn\u2019t happen<\/td>\n<\/tr>\n<tr>\n<td>Wood chopping<\/td>\n<td>Not so much<\/td>\n<\/tr>\n<tr>\n<td>Foraging<\/td>\n<td><em>Fuhgeddaboudit<\/em><\/td>\n<\/tr>\n<tr>\n<td>Campfire nights<\/td>\n<td>Done this! Once<\/td>\n<\/tr>\n<tr>\n<td>Cycling for groceries<\/td>\n<td>Dunnit! Um, not the 2-3 times a week I had in my notes<\/td>\n<\/tr>\n<tr>\n<td>New skill \u2013 meditation, maths, Brazilian Jujitsu<\/td>\n<td>Stares uncomfortably into the middle distance<\/td>\n<\/tr>\n<tr>\n<td>Cooking <\/td>\n<td>Yes! One new recipe in five years. Box ticked!<\/td>\n<\/tr>\n<tr>\n<td>Hiking<\/td>\n<td>Yes! <em>TI <\/em>can testify!<\/td>\n<\/tr>\n<tr>\n<td>Coding<\/td>\n<td>I\u2019m off the hook: <em>Claude\u2019s<\/em> ruined it for everyone<\/td>\n<\/tr>\n<tr>\n<td>Hydroponics<\/td>\n<td>What do you think?<\/td>\n<\/tr>\n<tr>\n<td>Naps<\/td>\n<td>Definitely!\u00a0All over this<\/td>\n<\/tr>\n<tr>\n<td>More writing<\/td>\n<td>Blimey. Actually, yes <\/td>\n<\/tr>\n<tr>\n<td>Home renovation<\/td>\n<td>Yes! <em>Ithangyew<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>So there you go. I award myself a First Class Honours in pottering, prevarication and lack of application.\u00a0<\/p>\n<p>Take that <em>Mr Money Mustache<\/em>! This is how you start a movement. (Time-wasters only, please.)<\/p>\n<p>Take it steady,\u00a0<\/p>\n<p><em>The Accumulator<\/em><\/p>\n<p><em>P.S. Our FIRE budget for 2025-26 was \u00a329,366 for two. Actual spend: \u00a329,432. Ooh, so close. <\/em><\/p>\n<\/p><\/div>\n<p><script>(function(d, s, id) {\n  var js, fjs = d.getElementsByTagName(s)[0];\n  if (d.getElementById(id)) return;\n  js = d.createElement(s); js.id = id;\n  js.src = \"\/\/connect.facebook.net\/en_GB\/sdk.js#xfbml=1&version=v2.6\";\n  fjs.parentNode.insertBefore(js, fjs);\n}(document, 'script', 'facebook-jssdk'));<\/script><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I am writing this at 9.30 on a Monday morning, sitting in the garden. Mrs Accumulator has just waved to me through the window and I can scarcely believe she\u2019s there. The past year has been strange, full of awkward trials and tiny tribulations, but the moment that\u2019s just passed between us \u2013 well, it [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":356059,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[1074,11365,4238,629],"dealstore":[],"offerexpiration":[],"class_list":["post-7064070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-fire","tag-monevator","tag-update","tag-year"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FIRE update: year five - Monevator - 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=7064070\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FIRE update: year five - Monevator - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"I am writing this at 9.30 on a Monday morning, sitting in the garden. 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