Pathfinders Book Review

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One of the life-changing blogs that got us on this FIRE path is JL Collins’s blog. This is why we call him the “Godfather of FI” and he has also written a book called “the Simple Path to Wealth“, which has been an international bestseller ever since its release in 2016. I’m thrilled to announce that JL has authored another book which is coming out next week on Oct 31!

“Pathfinders” tells the stories of those who’ve followed The Path to financial independence that the Godfather has laid out in the book and succeeded.  It also has the coolest foreword, written by none other than the incomparable Hasan Minhaj, who happens to be a huge fan of JL’s work! For those of you who don’t know, The Simple Path to Wealth was mentioned by Hasan on The Daily Show, while interviewing Kevin O’Reilly. He tells Kevin that, instead of giving his own financial literacy advice to high schoolers, he should “give them JL Collins’ book ‘The Simple Path to Wealth.’” If that’s not a glowing endorsement, I don’t know what is. Plus, how great is that Hasan got to stick it to Kevin O’Leary?

Anyhoo, so for those of you who are curious about what’s in Pathfinders, here’s a taste of my favourite quotes in the book:  

“The war, of course, has thrown everything into the air. But I am keeping to JL’s Simple Path as best as I can. Here are some key things I have learned from my pursuit of FI in Ukraine, which I hope will help others stay the course no matter where they are…”—Roman Koshovskyi, Lviv region, Ukraine

”Money is… unimportant as long as you have plenty of it. But if you only have barely enough for your needs, it will prey on your mind. The moment you don’t have enough, it suddenly becomes extraordinarily important. At that point, few things matter more. “ – JL Collins

“In the midst of the Covid plunge of early 2020, people began commenting with disturbing certainty about how the market just had to go down further and how much longer it was doomed to stay down. How this time was truly different. I put a tweet up saying, “I’ve noticed there’s a new symptom of Covid, clairvoyance.” And, of course, the market promptly rallied back past previous highs, and did so in record time. Not because of my tweet, but simply because, as some wag once said, “The market will do whatever it takes to embarrass the largest number of people.” –JL Collins

Pathfinders is split into 9 sections: Freedom, Debt, Saving, Lifestyle Inflation, Investing, FU Money, Staying the Course, Family, Endgame

At the beginning of each section, JL gives his take on that topic, and there are a series of stories from readers who followed The Path describing how it turned out in that area of their lives.

One of my favorite stories in it comes from a Ukrainian reader from Lviv, who, before the war broke out, was following The Path. The war threw everything into chaos, but he is still working toward FI as best as he can.

Another favourite, to see things from the opposite side, is from a reader from Russia, who talks about how to follow The Path when your country becomes a global outcast. He talks about the importance of diversification and the biggest investing mistake he made, which was disregarding JL’s advice.

And finally, a story brilliantly titled “MINIMUM WAGE BUT MAXIMUM FREEDOM,” is the story of a waiter who lives comfortable on $24,000/year and a wage that fluctuates between 65,000-91,000/year, saving more than 50% of his salary (as JL advocates for in TSPTW) and is on track to building a $750,000 portfolio to reach FI. You may remember them from a reader case on this blog.

As you know JL wrote TSPTW to make sure his daughter Jessica is financially set for life. Well, you might be interested to know that there’s an interview at the end of the book where you can read Jessica’s take on all this. Did JL finally achieve his goal of convincing her? Get the book to find out.

If you want to be inspired to follow the Path no matter what your struggle is, get your copy of Pathfinders, coming out Oct 31!

3 lucky readers can enter to win copies of this book by answering this question in the comments below:

“If you lost all your possessions in a house fire, what is the one thing you’d miss the most?”

Winners will be chosen at the end of the week. Make sure you leave your email in the comment so we can contact you if you win.

Note: If you live in the US, you will receive a physical copy and international readers will receive an e-copy.


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134 thoughts on “Pathfinders Book Review”

  1. Photos of my grandmother as a young woman, starting off her life. She was an inspiration to me and I have been looking at these photos for years. I would miss not seeing her face.

    1. I would have to say my iPad, because I use it in so many ways. I use it to draw and create art, I use it as a kindle to read books about a wide variety of subjects (from travel to FI to art to self improvement to historical fiction), I take it with me when I travel to keep up with emails and other social media, I listen to podcasts, and the list goes on. It is truly a valuable item in my life!

  2. “If you lost all your possessions in a house fire, what is the one thing you’d miss the most?”
    I have most things digitized, but I would miss my wonderful huge larger than coffeetable book on Leonardo, such a great book.

    1. I would miss my journals, which I’ve kept for decades since I was a teen. And of course, my dog eared copies of Quit Like a Millionaire and the Simple Path to Wealth 😁

  3. I’d most miss my family photos: my parents and my siblings as kids, my grandfather’s portrait from the army, my grandmother in her wedding dress…

  4. “If you lost all your possessions in a house fire, what is the one thing you’d miss the most?” Family photos, heritage photos and those of my own children. Maybe I should hire someone to scan every one of them now.

  5. Thank you for this review! I’m so excited to read the book! It’s easy to name the one thing I would miss: my 6’1” Young Chang grand piano! It’s the most important and most loved possession I own (not more important than family, of course)!

  6. I would miss the (family) pictures, my children growing up. Almost everything else can be acquired again, but the memories of all those special moments are non recoverable and very valuable.

  7. A photo of me and my mom smiling and looking just like one another on a camping trip. My mom passed away in 2019 and I miss her dearly. Now I must go and make sure I have digital copies of that photo. Thanks for the reminder to do so. And thanks for all your inspirations

  8. I will miss the kids keepsakes (the arts and projects they made when young), but mostly the kids baby blankets.
    Those are the strongest connection to innocence and peace for me.

  9. My first thought was that I would miss nothing much, not really. But then I remembered that I have a small box of old black and white photos of my father who died in 1972. And there are no backups of these photos (which reminds me to make scans of these photos very soon).

  10. The thing I’d miss the most would be the security and convenience of my housing (just a few blocks from work, some nice parks, a library, and a decent grocery store. I really like the layout and the location).

    But as a single physical thing, it would be the stuffed dog puppet Spot who I’ve had since grade 5 and I have many, many memories of time spent with him, and unlike my photos and documents, he’s not scanned and in the cloud.

  11. Some toys and clothes of my children when they were babies and my wedding dress. But the most important are the memories and my ability to pass on to my children and to share it with my husband and family.

  12. Thank you so much for the review! I was incredibly fortunate to be featured as one of the stories in Pathfinders. As you have highlighted, there are several fantastic stories/wisdom in this book. Honestly, I don’t feel worthy to be in it (haha), but am incredibly thankful to be along for the ride. For those that win a copy or decide to pick up Pathfinders on their own, you will not be disappointed 🙂

  13. I would miss this white Montreal hoodie I have had since 1998. It’s well loved, but there is no back up and no replacement for it’s comfy feel on pajama days inside the house.

  14. I sorta did. When I left to become a nomad, I ditched everything I could replace. When Covid hit, and I couldn’t return to the US to empty my locker of my most precious antiques and art, I hired a friend who was laid off, and we emptied almost everything: Friends and family giveaway, consignment shop, charity resale shops.
    Photos were all sorted and digitised last year.
    Now, I’m down to a very few items. I thought I would mourn the loss, but am so happy to see my precious items on display in homes of friends and family, and know the items sold went to homes that appreciate them.
    I planned carefully for my pets, adopting a geriatric cat who passed one year before my departure, and rehoming the young rescue cat who was his buddy, and fully healed from his serious injuries.
    My computer is backed up to the cloud (iCloud and DropBox) so loss of my computer, phone, etc. is a non-issue.
    And I use a Kindle for my library of books, including yours!
    I’m a planner, so FIRE and being a global nomad are just good project management projects for me!

    1. If I lost everything in a house fire, I’d probably miss some family photos, but really my material possessions are not important to me. I don’t own nice things anyway LOL

  15. I absolutely LOVE JL Collins-he is the financial voice in my head.
    I too would miss my photos of family and travel (we have no pets at this time due to traveling.) Thanks for this post-excited to read this book!

  16. I would miss the little mementos we’ve collected throughout life to remind us of our places we’ve been, milestones, and celebrations.

  17. I’d miss the house itself. I know you are not advocates of home ownership for financial reasons but my house has been such a home to my family. The halls are filled with memories of my kids growing up and I’d fear for their sense of security after losing the home they have grown up in. My ten year old says he’ll buy it from us when my wife and I become Nomadic at FIRE.

  18. Well, I did lose everything in a fire at 18, when our brand new flat we had moved in the day before caught on fire in my bedroom (my mistake, involving an halogen lamp and mattress).
    To this day I miss the most my childhood teddy bear. I wish I could have kept it to remember that feeling of being a little kid.

  19. Assuming my dog Daisy was saved from the fire I’d miss my vinyl records. I collect jazz vinyl and it would be tough to remember what I have and it would be killer expensive! Hahaha!!

  20. I’d miss first the gold necklace and jewelry, inherited from my mom and originally from her grandmother (but I am always wearing it, so the risk is hopefully low), precious photographs of my family and lastly a Steiff Mouse, which I have since I was three years old.
    Thanks and shoutout for your work! Your book inspired me to take on the path to FIRE and has really changed how I look at my life.

  21. There aren’t too many things that I could not replace in a fire. The one thing that I definitely could not is my grandpa’s old violin.

  22. What I’d miss the most if I lost everything in a fire: my passport! while not irreplaceable, it would be a PITA to get a copy. Can’t wait to read JLC’s new book!

  23. I would miss nothing, literally nothing. Not even a nice pair of jeans or sofa or TV or car. Hope it never happens to me, but as long as I have investments that pay me regularly, insurance, a plan and my wife and dog with me I will be OK 👌. Now, if you ask me that I would miss if ROME or LONDON burned to the ground, then that would be really EFFED UP.

  24. All of our important docs, passports, etc, are stored in a fire safe box so I think I would miss the sentimental baby items I have from when my daughter was born.

  25. I’m not attached to material things much but I suppose having the house gives us a false sense of security. Sadly, we’ve seen a couple of neighbours’ houses burn down. The displacement and stress would be horrendous, but most of the contents could be replaced. I think we all tend to accumulate more than we need anyway, and a fresh start could be a positive thing. As others have said, old photos and memorabilia are hard to replace and help pass down the stories to future generations. I inherited my grandparents antique china cabinet which I quite like and it brings back memories of all the amazing things they used to cook for our large family. That might be a hard one to lose. I should just write the recipes in a book already. Lol

  26. I would like to think The Cat possesses me, and I not her, but I definitely would miss her. Otherwise, for ‘possessive things’ I don’t think I would miss much – what a great question, thank you! – and now I need to finish getting rid of ‘stuff’ since all the photos have been digitised, or are in my memories, anyway…

  27. I would miss all the associations with our stuff and the happy memories we created with our miracle baby ❤️👧🏻

  28. I would miss my gratitude diary. I’ve been recording it for over 5years now and I thought about this before already. Yes, its this item that I would miss the most.

  29. I have a computer full of pictures from my whole life, irreplaceable travel photos and more importantly photos of the first few years of my son’s life. I can’t imagine losing them all! I should really back those up in the cloud… Thanks for the wake up call!

  30. It would definitely be some family video DVDs that haven’t been digitized yet.. our wedding and videos from growing up:

  31. Like others have said, old photos and videos that are not stored on a computer or cloud. But also we have an old vertical beam where we have recorded our kids and nieces’ heights on since they were little. It would be sad to lose that. Good question! I had to really think hard of something other than photos.

  32. I would miss the old family photographs some of which aren’t digitized and only exist in large format (that is they are laminated etc and are 24-36 inches) so it would be hard to replace those. A close second are the ashes collars old mementos of my dead dog.

  33. The possession I would miss most is my 6′ tall fig tree that I propagated from a leaf taken from my grandparents’ yard 13 years ago, when they were still alive.

  34. I have most, if not all, of my most important photos digitally backed up, so no major loss there.

    So… absolutely the thing I would miss most is the time and life energy required to arrange for new accommodations, not to mention the time required to re-purchase all of the basic stuff I need to get by (clothes, some furniture, food, etc.).

    Of course, another way of thinking about this is that it could be exactly what I need to start a new adventure – maybe I’d just take the insurance money and move to Panama or Portugal!

  35. I would miss the video recording/interview my brother took of my grandparents in which they told stories about their lives. He recorded them about 35 years ago and I still watch it on occasion. They were wonderful grandparents and role models!

  36. Most of my things are digitized but I have my grandmother’s hairbrush that I last used when she was semi-conscious on the last day of her life. I quietly brushed her hair and talked with her. I also have my five kid’s first baby curls. Those would be hard to lose.

  37. I would hate hate hate if that happened. Most of all I’d miss my passport and birth certificate. Being an immigrant in this country (Canada), getting the new originals of these would be the hugest nightmare, not solvable just with money. Those who were born/lived in autocratic, bureaucratic, corrupt countries would know what I am talking about…

  38. I don’t consider my pets as possessions so I will instead say those sentimental things that do not have digital copies or are repurchasable. Like the wall hangings my late grandmother made me, or the unique travel souveniers that I’ve purchased from businesses that no longer exist. They are irreplaceable things that hold fond memories and sentimental value.

  39. I would miss my travel souvenirs that my husband and I have been collecting. I know they can be replaced but they are a physical portal to our adventures!

  40. If we lost everything in a house fire, assuming we were all safe, I guess I’d miss the whole structure/presence of the house. What it represents, all our memories and the places we would sit and watch tv, and where we would eat and the kitchen that is the center of everything. So I guess you could say, the “idea” of it, the permanence of it, the memory of all of it.

  41. I have a hard time deciding what I would miss most. My Dad made some small cabinets, shelves and towel racks for us when we moved in our house. I could never replace them because they were made with love. The same with the afghans, paintings and other decorations my Mom made for us. Losing them would be like losing some of the connection with them.

  42. It’s a tough question. I think I’d miss my sewing machine the most. I love to create, and sewing is my stress relief.

  43. I was under evacuation for wildfires this year, and I didn’t have time to get anything from my house. I really wanted my scrapbooks and the quilt I made from all of my rugby t-shirts. Those memories cannot be replaced. Luckily there was no damage to the house, but it really makes you think about what you value.

  44. My partner and I live in a school-bus turned tiny house on wheels, and we both could not come up with an answer to this question, which I think is a good thing! Most of the ‘things’ we cherished have been digitized, like photos and memories.

  45. How different from your blog is the vision displayed in the book? 🙂

    I think my photographs & my camera would be the only thing I would like to save! Ohh as well as drawings / paintings that had been offered by my loved ones.

  46. I would miss my watercolor paintings probably the most because it would be impossible to recreate them. In some ways, that’s a good reason to sell them or give them away so that they are out there in the world and not concentrated in one place.

  47. I suspect that after the initial shock from loosing all my stuff I’d feel relieved I got rid of all the crap and I’d start over with a clean slate. I’d miss my Bitcoin wallet though.

  48. I would also miss all those old photos not digitized as well as all the little interesting artifacts picked up while traveling. Otherwise doing the thought experiment motivates me to unload a lot of stuff that isn’t useful or important.

  49. I’d be sad about photographs and letters I’ve saved from my grandparents & great-grandparents, but since I only see those things when I make an effort to pull them out & look at them, I have to say I’d probably miss my piano the most.

  50. If I lost all my possessions in a house fire, what is the one thing I’d miss the most? Definitely any possession that money can’t buy. Like pictures of my wedding, pictures of my wife and daughter and any items of sentimental value like gifts from with wife and daughter 🙂

  51. I would miss my Montreal Canadiens hoodie, but actually since I have enough $$$ and proper home insurance I really would not miss anything. I have my health and my family and that’s really all that matters to me:)

  52. I’d miss my 1996 Jeep Cherokee! I bought it brand new and it’s still running at 210,000 miles. So many memories made in that SUV. Everything else is saved in the cloud or can be replaced.

  53. That’s a great question. It made me realize, all material possession is meaningless, yet we spend so much time and money over them.
    My thought went immediately to my dog, but then if there’s a fire I would take my dog with me. So the next thing I would miss is my computer. Everything else can be replace. My computer has too many important things in it and it probably cost more than anything else in my apartment.

  54. I read A Simple Path to Wealth years ago….it started me down the FI rabbit hole that lead me to your book and many others 😁

    Thanks for keeping things real, mathing shit up and being entertaining at the same time.

    If I lost all my possessions, I would want to replace my passport first!! (My old photos are all backed up already).

  55. I had to think about the answer a bit, good question! I’d miss my mom’s hippie pants from the 70’s and my grandmother’s trench coat from the 50’s, they are one-of-a-kind mementos of their lived experiences. It’s true that most everything can be replaced!

  56. Short answer: the camper van. It is like a little mobile FI vehicle, while it doesn’t have the luxury of all the things in our home, we could, and regularly do, make do with much less.

    If we have each other and our health everything is replaceable.

  57. I know it sounds rather cold but I would actually feel rather free if I can lose my possessions and get a reset. I am sure I will remember some stuff fondly, but on the whole it would feel amazing to do a life redesign! Of course I am insured so a reset wouldn’t be devastating!

  58. I would miss my espresso coffee maker. One of things that brings me the most joy every morning is the ability to make a fresh/tasty cappuccino.

  59. If I were to lose all of my possessions in a fire, I’d most miss my notebooks.
    I often take notes on my phone or iPad while I’m reading or thinking, but use the process of handwriting the notes to better internalize and think through them.
    Often I will re-read the notebooks (maybe 30, mostly B6 or A6 Muji) and find that the scribbles in the margins add a lot to contextualizing who I was and help me to realize how I’ve changed.
    Pictures and other important things are all digitized.
    Even though I’d miss my notebooks, I’d still give my choice of item to my wife who is fairly sentimental.

  60. I would miss nothing. Why?

    My most valuable possessions are:
    1. Books – Simple path to wealth, Quit like a millionaire, Psychology of Money all of which I have in kindle version
    2. Photos of family – all digitized
    3. My house – we are renters, so no, not our problem either and we have insurance for value of things lost 😛

  61. This is really the mantra of minimalism, so you can always replace things. But some things bring pride and nostalgia/happiness, such as artwork created by a lost friend or relative, photographs before the smartphone era, and letters/cards that bring joy. In the end, health and time matter most, but he speaks to the core of what matters most in life and the importance of moving forward.

  62. I’ll miss my laptop the most ! Its the link to anyone I want to reach or contact AND anything/everything else that’s important. It connects me to the world.

  63. I would miss original pieces of art created by my dad and a few of my friends. My favorites are paintings of family and pets.

  64. I would miss Jewelry that my late grandmother left me- it’s the only thing other than memories and photos to remember her by.

  65. A painting created by my best friend’s sister. He died decades ago in a car accident, but my ties to this family remain strong. Friends forever.

  66. As long as everything living was safe from my house, it would definitely be photos, which is a great reminder to scan them all sooner rather than later. Thanks!

  67. Excited for this to come out!

    I would miss….my bed. It’s a Casper. I know it’s replaceable but as I’ve gotten older I realize how the quality of sleep is so important as I’m sure you both are experiencing now.

  68. If I lost all my possessions in a house fire what would I miss the most? Realistically I would miss most my phone. It was stolen in Costa Rica and it was only by a miracle that I got it back. I did the digital nomad thing for three months this year and truly did not miss all the junk. We’ve slowly been selling off possessions since we got back and have made about $800 selling stuff we don’t need

  69. My collection of musical instruments. My banjo is especially dear to me- it was my great great grandfather’s. His house was burning down and his banjo was the one thing he grabbed on the way out/the only thing to survive 🙂

  70. Since all my photos are safe in multiple ways and everything else is replaceable, I’d probably not really miss anything.
    The one thing I would probably miss a bit would be my Ford Mustang:
    the car I traveled the USA with before moving back home to Germany,
    the car we used on our marriage day and for the honeymoon roadtrip through France,
    the car I used to pick up my wife and my newborn baby from the hospital.
    Lot’s of special moments with this vehicle =)

    1. I hope our house will never burn to the ground. In case it would we would definitely miss our *hypoallergene* Siberian cat the most which we have as a present to our daughter after open heart surgery

  71. I would most miss a coin jar I inherited from my grandparents on my Dad’s side. My Dad used it when he was a kid and when my grandparents downsized into an apartment it was the item I requested from their house. They were tickled that I wanted anything from their possessions.

  72. “If you lost all your possessions in a house fire, what is the one thing you’d miss the most?”

    Well, i lost all of my house to a flood and what i missed the most was comfort, having my own space, and the ability to come home and relax.
    Ijcuttingham@gmail.com

  73. “If you lost all your possessions in a house fire, what is the one thing you’d miss the most?”

    My MacBook Air–it’s my office and I depend on it!

  74. Nothing! My memories would suffice. The weight of my old world would be lifted and I would rise like the Phoenix from the ashes and with all I have learned from the FI universe I would rebuild in my new world of freedom.

  75. Not sure there is anything that I would truly miss. All photos and important docs have been backed up to the cloud. I’d probably miss having piece of mind as I sort through the aftermath to get our life in order again.

  76. “If you lost all your possessions in a house fire, what is the one thing you’d miss the most?”

    photos would be what I miss the most. Many aren’t in a digital format, so aren’t stored in the cloud somewhere

  77. I would miss my grandmother’s vintage earring collection. I just love wearing different fun earrings every day. They’re not worth much. But they are special to me.

  78. I think I would miss my high school yearbooks…with all of their comments made by “friends”..the most. Why? Because they remind me everytime I read them that a tall, geeky, shy, plain looking, introvert (who just so happens to be a woman that loved math and science) can truly make something of themselves with the right mix of grit, strength of character, smarts and just a little bit of luck. Oh man…if they could see me now!!!

  79. I would miss the mementos I have of my mother (photos, a scarf) who passed away many years ago. Other things I could just buy another, but those couldn’t be replaced.

  80. I’d probably miss most some sentimental items I’ve kept from my parents – old cards or notes they gave me, etc.

  81. I would miss my photos because they are the only thing that can’t be replaced in my home. Everything else is replaceable.

  82. “If you lost all your possessions in a house fire, what is the one thing you’d miss the most?”

    I’d miss my son Cooper’s newborn onesie the most. Baby means hope to me, so I won’t lose hope if I get to keep a piece of baby stuff in a house fire situation.

  83. Thanks for the great book review! I would miss my collection of maps, they are a reminder of fantastic trips and the difficulties in reaching those goals.

  84. Every parent keeps precious mementos of their child’s earliest years. I gave birth to my baby 6 weeks early; he wore the tiniest outfit my mother gifted us. Every time I hold it I remember how it was.
    So there are are irreplaceable things, but having personally gone through tragedies (indeed a house fire!), we move on and sadly probably lose some of the memories these things would spur. I like to believe that my old brain keeps what is most loved.

  85. If I lost all your possessions in a house fire, the thing I’d miss the most is my guitar. I get a lot of joy out of playing it, and I cried when I dropped it and the neck snapped (no worries, it’s repaired now!).

  86. The things I’d miss the most are the very things that are irreplaceable. Handwritten notes and cards, baby handprints of my kids, and my wedding bouquet. I’m sentimental like that.

  87. I will miss my teddy bear “Pon”!!!
    He is with me since I was 5 (more than 27 years ago we met!) and he literally chose my husband and they are besties now haha we all sleep together 😉

  88. I see you’ve taken my great idea of posting book reviews with some of the best quotes. I call my occasional series ‘Notes and Quotes!’

    Great minds obviously think alike 😉

    jk, I can’t honestly claim credit for the idea (although I do think the ‘Notes and Quotes’ title is catchy! But I’m sure somebody somewhere beat me to that, too…).

    I think my favorite quote from Pathfinders was from Lisa Schader’s advice from her professor: “For the first ten years out of college, don’t upgrade your lifestyle—continue living like broke college students and invest instead.”

    Kudos to her for taking such wise advice at the beginning of her career, and it’s certainly paid off for her.

    Just like you, I was impressed by the opposing stories from the war in Ukraine: one from a Ukranian citizen, and another from a Russian citizen. In fact, there were stories from all around the world, which just goes to show you how difficult it is to keep a good idea down!

    Of course, I happen to be fond of the Froogal Stoodent’s submission, too, for some strange reason 😉

  89. If you lost all your possessions in a house fire, what is the one thing you’d miss the most? Definitely my computer, it got everything on there. Since its a gaming comp its going to be very pricey to replace.

  90. 1. In 1976, John Bogle introduced the Vanguard 500 Index to the mass
    2. Thirty seven years later, Warren Buffett endorsed index funds for the mass in his 2013 Annual letter (page 19). Specifically, he mentioned the Vanguard Index fund
    3. In 2014, I trashed all my acquired investment literatures and completely switched over to index fund.

    Historically for me, these 2 old men are the “Godfathers of FI” for the mass. They will be missed!

  91. As long as no human being is lost in the fire, I don’t think I would miss anything! I would be relieved to have kept my wallet/phone/computer on me to still be able to access my money and replace the basics though. But memories are kept inside my mind, that’s a habit I have since I started a nomadic life. It taught me how to be a minimalist and nonetheless happy person.

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