Early Retirement Bites

Take me back!

I’ve made a terrible mistake!

I quit my job about a year ago.

My last day was April 17th, 2015, to be exact.

At this point I’ve got close to twelve full months of my new life under my belt.  That’s plenty of data, if you ask me.

And it’s become clear that, beyond the shadow of a doubt, the dream of early retirement more closely resembles a nightmare.

The Experts are Lying to You

We all know about Early-Retirement gurus like Mr. Money Mustache and that supposedly nice young couple at GoCurryCracker.  They tell us to spend less and save a lot of money, which will ultimately enable us to retire super early if we want.

This advice is given with the assumption that retiring is a good thing.

Then they proceed to post photos of their lives, smiling images of them relaxing outside or chopping wood on a weekday or whatever.  Who the hell cares.

MMM goes so far as to say he’s trying to help save the planet by convincing people to reduce consumption.

The horrible truth is that these bloggers are all just hustling you. They want you to think that quitting your job to pursue your own interests exclusively is a great thing. They want to think this is best for you, when in fact, it’s best for them.

And whatever, they’re all miserable in real life.  Their blogs are basically glorified facebook pages, constructed with the sole purpose of making you jealous.  In reality, they’re as unhappy as I am. And trust me, I’m in a position to know, since I no longer report for duty in an office, just like them.


Unfortunately, most of us don’t see through the act.  All they really want to do is put a carrot in front of you — a carrot that will keep you coming back. They want you to continually visit their sites.  They want you to click affiliate links so they can stay in business. They’re selling product, and that product is early retirement.

I bought into this lie, just like thousands of others.  I bought into it so hard that I sacrificed years of my life in order to make it happen.

Now I have nothing but regrets, because that product is a lemon.

Adjusting to A Life of Suck

Before I quit, I had a great thing going on.

I’d wake up at 6:30 every day and drive to work just like everyone else, happy as hell to be freezing my ass off in a car for twenty minutes or so instead of sleeping in a warm bed.

Upon arrival to my building, I’d feel the beginnings of sadness stirring. Eight hours until my next commute! How would I ever make it?

Luckily I’d feel a million times better the moment I opened the door leading into my office complex. And it didn’t stop there. Those happy feelings only increased as the day went on, because I’d be on my computer, saving the world from the comfort of my desk, one fulfilling task at a time. Who wouldn’t love that?

I did, I must confess. I really, really did, and I’m sick of lying to all of you folks out there on the internet.

Sorry for getting all emotional. It’s just that I miss it so much, you know?  So very much. It’s hard to live a life without work.

It’s difficult to delve into the specifics because it hurts to remember the good ‘ol days, but I’ll do it because I want to help other people.  I want to prevent anyone else from making the same mistake I did. Don’t quit your job, no matter how much money you have.

I miss a lot of things, but close to the top is my cube.  I loved the uniform shade of gray that bordered my vision on all sides. The bland consistency made it easier for me to focus on my monitor.  That’s where the real action in life is.

personal capital ad, money, sex, power.pngIf I had windows, I’d probably find myself looking outside, getting all distracted by the sky and the sun and the clouds or whatever. Thank god no one ever forced a view to the outside world on me.  It’s scary out there!  Give me nice, nonthreatening walls every day of the week.

I spent so much time in that little area that I grew to love it like a family member.  Maybe even more because it never talked back to me.

I still remember the ketchup stain on the carpet about two inches away from my filing cabinet like it was yesterday.  I wonder how you are doing nowadays, my dear ketchup stain.  I hope you are okay.  I wish there was some way for me to check up on you.

But I can’t, because I quit and then some bad men took away my building access card.

Life has been so consistently wretched without a cube that I finally caved in and decided to install one in my apartment.  First I called a supply company but apparently you can’t order just ONE small cube , you have to order a minimum of four, and I was like:  That’s going to break my retirement budget!  Thanks a lot Mr. Money Mustache, I can’t spend money on things I NEED anymore because I followed your advice and retired!  You lousy prick!

Anyway, I did the only thing a super rational person like myself can do when faced with this kind of insane situation: I decided to make my own cube.

It was simple enough.  I picked up a bunch of totally not rusty rebar at the town dump and then went to the local Goodwill where I found a bunch of gray XXXL athletic sweatshirts ironically designed to be worn by extremely large nonathletic men and then put everything together in my living room, bending the bars to create the basic frame, cutting the fabric of the sweat shirts into pieces to stretch across the gaps.  A combination of staples and hot glue held it all together.  And I have to say it was a great success:  It didn’t look even remotely unprofessional, and I never had even a single thought of getting tetanus from the exposed steel wires.

To finish it off I needed to install a desk in the middle of sweatshirt-ville but initially the used offerings on I found on craigslist were way too big.  My work desks were two and a half feet across, tops, so anything larger won’t feel right.  It took me a long time to find something small enough to simulate actual office space dimensions but I kept at it until I hit paydirt.


23″ across.  Bingo.

Once I’d gotten the desk home and settled it into position, I tried it out.  Amazingly, for the first time in 11 months, I felt almost okay… I was able to calm down a little bit.  There was a palpable lowering of anxiety as I settled into my new workspace.

But then I noticed something else that was very, very wrong.

I Miss My Manager

So when I was done re-creating my cube-like environment, I placed an outdated Dell laptop on the desk, sat down, and booted it up.

This allowed me to finally do what I used to do at work:  Sit in a cube and check out the latest viral video sensations on youtube.  Most of them featured kittens.

I hoped this return to old habits would complete the restoration of my old life — a life in which I felt happy at all times. I hoped that I’d finally feel real again.

But it still didn’t feel right.

betterment Then I started to cry because I finally identified what was missing, and it turns out it’s totally impossible to replace this thing

It’s my old manager.  God, I need him back, so, so bad.

It’s not just him, you know.  It’s what he represents:

Hierarchy and Command.

Structure and Approval.

Do I need to go on?  My life doesn’t make sense without having someone to tell me exactly what to do and what I’m worth as a person.  How will I ever measure my performance in life anymore without having an annual review, for example?  It’s simply not possible.

The toughest thing about the last year has been thinking for myself and deciding what to do with my own time.  I made idiotic decisions like visiting friends in California and New York and hiking a lot and learning how to read sheet music.  I spent time with my nephews and my parents and my in-laws.  I read fiction books that did absolutely nothing to improve my professional skillset or help me find another job.  I would sometimes lay outside for hours at a time without a thought in my head, trying to like slow my mind down and just appreciate life.

These things were THE WORST.

It’s much more pleasant to drift through life reporting to someone else.  I mean, don’t we all need to report to someone?  Isn’t this something that’s hard-wired into us, part of the human condition?

Of course it is.  That’s why I’ve been feeling so awful all year.  I tried to hide this fact on my blog but there it is, the naked truth.

It took me a while to figure out how I could feel less free, but here’s what I did in the end. It’s kind of similar to the cube solution, but maybe even… weirder?

Don’t judge though.  Until you quit yourself, you absolutely are not allowed to judge me. Don’t you dare.  You don’t know what I’ve suffered through over the last year, being able to do whatever I wanted to do whenever I wanted to do it.  The agony!

The solution was to create a makeshift manager to complete the work simulation project that’d started with the pseudo-cube.  I used an old sock, a tie, and one of the suits I used to wear for FinancialCompany.  He sits behind me now, watching, evaluating, keeping me in line.

His name is Bruce.


I now seek this gentleman’s approval. Let the healing begin.

I’ll admit that it’s still not a perfect situation, though.

Sometimes Bruce goes for long stretches without saying anything and I start to think maybe he’s angry with me for some reason.  When this happens, I become very worried and want to drink or pop opiates to help relieve the tension but then I remember that using while on the job is against company policy, so I’m thankfully able to control myself.

That’s great because without work to keep me in line, I’d really been going off the rails. 420’ing 24/7 and whatever.  Without the moral authority of work and management, I’ve felt very lost.

But then I finally realized Bruce’s silences actually indicate just what a great manager he really is: He’s trying to give me some space.  What a great guy.  Always looking out for me. He’s making a concerted effort to avoid micromanaging me.

Each time I have this thought, which is often, because Bruce often doesn’t speak for hours at a time, my sense of gratitude becomes overpowering, which usually prompts me to do something productive as a sign of my loyalty.

And that productivity typically manifests as an effort report because I know Bruce likes paperwork an awful lot.  It helps him to keep track of what I’m doing without actually having to ask what I’m doing. I’ll mail a little summary to a yahoo account I made special, just for him.

This is the first of twenty seven I sent out last week.

Monday 3/24

8-8:15: Ate banana, drank coffee

8:15-8:30: Sat in fake cube, considered doing work, but instead sat as still as possible in attempt to avoid spike-related injury.

8:45-9:00: Another banana.

9:00-9:15: Updated Monday’s effort report to reflect activities performed on Monday morning between eight and nine AM.

9:15-9:20: Formally filed effort report

After I submit a report I’d gently pull on the toe of the sock to make him nod approvingly, and things make sense in my life again.

Nowadays, I even let Bruce hang around even in the evenings, which is great because if my wife is out and about, she can’t thank me for any of the stuff I’m doing around the house. And I’m the kind of guy who needs to be thanked at all times, for the most trivial of tasks. That’s where Bruce steps in to do his job.

For example if I’ve just done the dishes, I can ask him, point blank:  Bruce, was that good enough, sir? Were they cleaned to your satisfaction?  Be straight with me, I can take your criticism. Perhaps you’d like a report on the number washed along with some details on why it took longer than expected?

Then, without waiting for his response, I’d drop my voice to indicate I’m about to bring him into my confidence and say: You know, I shouldn’t be telling you this, but someone else in the house left a dirty cereal bowl in the sink without soaking it, that’s why it took an extra five minutes.  I’m very disappointed in the other member of our group, you know.  Not naming names, but we’re talking about my wife here.  She’s not always a great team player.

He gets it.  We’re making plans to correct the problem.  It’ll be noted on her review.  Then, finally and most importantly, he thanks me, by which I mean I grab his nose and make him nod again.

Bruce helps me to justify my own existence on the planet for a little while, and for that, I’m grateful.

Because I can’t seem to do it myself, and neither will you.


I thought I was a total hotshot when I came up with this list of things I might do in retirement, like Oh, Boredom will never affect ME!

Well, it did.  After a couple of months I just lost interest in everything, you know?  I got pretty tired of seeing friends and trying to learn new stuff, instead settling into completely monotonous routines that are much, much worse than being in the office.

In the office at least two or three unexpected and zany things would happen on any given day.  My co-worker John might get gum out of the vending machine instead of a Snickers bar like he usually does.  One time, the coffee machine stopped working.  OMG, so crazy.

But now it’s like:  Nothing.  Since I stay at home all day every day without exception, there is zero dynamism in my life instead of that completely unpredictable brand of office nuttiness I’d become addicted to.  There’s just no replacing it.

I’m bored, plain and simple.  All of the things that brought me pleasure for the first 37 years of my life totally stopped being fun after I stopped working.  I don’t even try to do them anymore.

All I want to do is go back to work, where things were awesome 110% of the time.

Happiness Studies are Wrong About Everything

Part of the reason I wanted to retire early was so that I could restructure my life.

Specifically I wanted to do more of the things that large-scale happiness studies tell us reliably produce happiness in the majority of humans. Examples include being married, maintaining a high level of commitment to your family and friends, exercising consistently, and spending time out-of-doors.

I followed the recommendations of these studies in my retirement, and it turns out they’re just flat out incorrect.

Work is the only thing that makes us happy.

The Not-So-Great Outdoors


Fact: Nature sucks.

We all know it. There are bugs and it gets wet and you run the risk of stepping in animal droppings and so on.  It’s not a good time.

Believe me, I tried it plenty over the last eleven plus months. The science studies told me it’d be great.  Friends, too.

So I kept trying to convince myself I was happy, you know, out there, braving the elements.  Tried to pretend that being around things that grow is fun.

But after all of that trying, all I really discovered is that I liked my old life better; I liked being online constantly.

My favorite past-time outside of work is to sit glued to my chair with an enormous bag of Fritos while surfing the web with the thermostat set to a perfect 72.

If that gets old — and believe me, I don’t see that happening anytime soon — my plan is to  purchase a 30-pack of Keystone beer, which is the real Key to Life (not to be confused with this stupid nature stuff), and pound it in a single day while sucking down every episode of Family Matters ever produced. That sitcom is hilarious, btw.

Can you do any of these things outside?


Besides, if you really want to see the great outdoors, you can just watch the Discovery Channel from the comfort of your living room instead of having to burn a single calorie by getting up and going somewhere.

So take that, happiness study.  That’s what’s called a professional debunking.  Your fancy experiments and their large sample sizes have been proven completely wrong by my own experiences and incredible opinions.

Your Family Isn’t Enough

So those happiness studies also suggest that it’s super important to build strong relationships with your family.  And over the past year, I’ve also dedicated some amount of time on this blog talking about the importance of tending to those relationships.

It’s time to come clean.  Spending time with your family sounds like a wonderful ideal on paper, but in reality?  Not so good.

Truth is, most people actually have a hard time putting up with their families.  Families consist of people, and people are despicable, cloying creatures who are like always around and they’re also quite needy.

End result:  You are suffocated.

When you spend just four or five solid hours a week with your family, you’ll probably be able to delude yourself into thinking that you love them, just like most other working professionals.

But when you are suddenly forced to spend double, triple, or even quadruple that amount of time with them each week, I guarantee you’ll feel differently.

I’ve been able to break down my own personal tolerance levels as follows:
Wife: 2h/day

Nephews: 4h/wk

Mom:  4h/mo

Dad: 4h/quarter

Inlaws: 4h/yr

I’ll make it clear:  Without work to get in the way of things, I’ve been spending way, way too much time with these people, far over established thresholds.  They’re slowly driving me insane.

Then there’s the flip side of things. I really miss being with co-workers, talking about how the local sports team performed yesterday and what kind of SUV they’re planning on leasing this year and of course global warming can’t be real because we got a few inches of snow this winter.  We always totally got one another, me and them.

But back to my family.  My nephews in particular are difficult to hang out with.  They’re just so boring and dumb, totally the opposite of my old work friends.

I tried to get the younger one to commit to learning the programming language Java the other day in a futile attempt to simulate my old office environment by providing cross-training — I’d promised Bruce an update on the initiative by EOD — and he was like “What’s java, is that another type of swimming stroke?”  Yeah, right, dude — just because I’ve been teaching you additional methods to propel your body through water at the Y lately, it follows that everything I talk about that you don’t immediately understand must a new stroke.  Idiot.

Frankly, I expect more from a 10-year old.  The bar is always rising.

My wife overheard this infuriating exchange between the two of us and thought the misunderstanding was adorable.  This prompted me to immediately reduce the number of hours I’m making available to her in the future. We just don’t get one another any more.

Speaking of that, here’s another thing Early Retirement is doing:  Ruining our relationship.

Look, I think we all know that tending to one’s family isn’t a good enough reason to draw breath every day, don’t we?  Life is really all about climbing ladders and earning lots of dough and looking good in front of strangers by engaging in conspicuous consumption and bragging about our recent promotions.

And on that subject, I really wish I could just go back to work again.  Have I mentioned that yet?

I feel like maybe I haven’t.

I Am In Desperate Need of Money

I’ve finally monetized the blog, if you haven’t noticed.  You see, I accidentally screwed up the financials of my own early retirement.


So refer this blog to all of your friends and click each and every link, if you don’t mind.  Create multiple Personal Crapital accounts if you have to.  Every $100 referral fee helps. I’ve got mouths to feed.

Do it for Doomie, willya?

I’d go back to work to earn a paycheck but I’m an entire year out of the professional world at this point and there’s absolutely no way anyone will ever consider hiring me anymore.

It’s the most insidious downside of retiring.  By the time you realize what a mistake you’ve made, it’s completely impossible to ever get a legitimate job again.


So don’t do what I did —  don’t quit.  Don’t stop working for someone else.  Don’t pursue your dreams.  Don’t try anything new.

Take it from me:  Freedom isn’t what it’s cracked up to be.

Early Retirement Sucks.


Oh, and Happy April Fool’s Day. Obviously 99% of what I wrote in this post is the exact opposite of what I actually do and believe in real life.

Time to go disassemble Bruce.  He’s really freaking me out.

This entry was posted in CurrentLife. Bookmark the permalink.

43 Responses to Early Retirement Bites

  1. Justin says:

    I knew you were pulling one over when I couldn’t click on the Amex credit card link or the Personal Capital link. 🙂

    Happy April Fool’s Day to you, too! 🙂 It’s my favorite non-eating related holiday.

    Side note: do you think the IRS will audit me since I finished my taxes and signed them and dated them on April 1? I mean I didn’t pull any April Fool’s pranks in my 1040, but I’m still a little concerned.

    • livafi says:

      >>It’s my favorite non-eating related holiday.

      Yeah, it’s a good one. I finally got the time to read MMM’s and that’s always a treat, too. There’s something ridiculously fun about saying the opposite of what you really believe.

      If you get audited, it’ll be because I called the IRS tip line and told them to take a closer look at that RoG guy, not because you filed on April 1st 🙂

  2. EscapeVelocity2020 says:

    Ur adz r broke and I’m bummed late Friday night, which is unforgivable. Great article tho! Made me want to click on the money sex & power ad, if you can fix just that one. Thx 🙂

  3. Jay Tomlinson says:

    This post is hilarious! I can’t wait to retire early so I can be miserable with the rest of the FI crowd. It must be tough waking up whenever you feel like it, doing whatever you want day in and day out. I’m not sure I could handle it. I mean, it reminds me of the care-free days of childhood. Those days were the worst.

  4. Greg says:

    Are you drawing Doom? Looks awesome babysitting!

  5. Frankies Girl says:

    OMG… I giggled and snorted through the whole thing. I knew even before I clicked the header to read that it was a prank, but LOVE the fake ads in there. 😀

    My husband got an even better “prank” of being laid off yesterday, so there’s that. Not that it was expected, but we’re good to go anyway and hey, unemployment pay. 🙂

  6. I especially enjoyed your sock puppet manager thingie.

    • G-dog says:

      I agree. I wish my last manager had been an actual sock puppet, would have actually been useful, and likely more engaged.

  7. less4success says:

    What a refreshing take on the perils of FIRE. Not sure if it’s the economy (e.g. high evaluations propelled more people to “their number” in the last year or so), but I’ve been seeing a lot of articles where people have changed their minds about frugal living, FIRE, etc. latelt. By the way, what is “April Fool’s Day”?

  8. Hahaha — Yours is probably my favorite April fools post this year. Nice. Can’t wait until we have all of these horrible things to complain about next year! 😉

  9. StockBeard says:

    Hey dude, not funny, some of us still have to provide those daily reports to their managers, you know?
    More seriously though, I thought this was real for the first 4 paragraphs, then I realized the date it was written on

  10. jf says:

    Been lurking for awhile but just have to say this is first class writing. I have not laughed so hard in a long time.
    I recommend, however, that before going to your cubicle that you sit in your car for an hour. Repeat after your work day is over.

  11. I just have to applaud the time and effort you put into this post. I’m sitting here right now with a huge grin on my face. You actually had me, right up until the bit about PF bloggers hustling their readers. I was about to defend my fellow writers, then it dawned on me and I saw the ads. Bravo!

  12. NWOutlier says:

    I am DYING!!! – I’m reading this late – e.g. after 4/1… so, I started in “oh boy! a new article!”.. I started and litterally was like WTH? in the first few sentences, then…. I finally figured it out…. took me a bit!

    a lot of FI bloggers fade away after they are FI, but that’s like the best part for us that haven’t gotten there yet, we wonder ‘what it’s like after FI’ and to read someone say “oh, after a year it sucks and I miss my manager!” HA HA HA HA

    Love this site, and yes, you got me…


  13. Finally, someone who understand me.

    • OnlyKetchup says:

      The latest rumor I heard was that you and Winnie are just actors hired by Vanguard, Betterment and Personal Capital 🙂

  14. Pingback: The Friday Feast ~ the 8th of April - ThinkSaveRetire.com

  15. Marc says:

    I loved the sarcasm throughout. Keep up the entertaining work!

  16. G-dog says:

    Did you prank your nephews? April Fool’s is a great day to share with kids, and immature folks like me.
    The year has gone by quickly! Happy Anniversary!

  17. Dev says:

    The funny part is that there is an element of truth in it. I am in that learning curve, restructuring my time and not become some couch potato. There’s more to FI than money.

  18. OnlyKetchup says:

    Lol nice one, but you didn’t get me. Should I feel bad about making my team send me a weekly “effort report”? I really only do it because my manager wants it from me….

    Also, I do think you should turn “Java” into a brand new swimming stroke. Maybe it can inherit from existing strokes?

  19. Kevin says:

    Unrelated to this post but I just got about 60 emails in my inbox from your blog. Just a heads up FYI

    • livafi says:

      Thanks for the note. Really sorry about this. You’re probably due for another 40. I added a post to detail the issue, it shouldn’t happen again. Technical issue on the blog site.

      If this happened to me, I’d probably unsubscribe from whatever blog I was following out of sheer irritation.

      • Kevin says:

        Not a problem at all :). I love the blog and get alot out of your posts. You’d have to start pitching affiliate products hard for me to stop coming.

        Just wanted to give you a heads up just in case you didn’t know.

      • livafi says:

        I’m fully monetizing tomorrow.

  20. This is the funniest/awesomest(if that’s a word) thing I’ve read in a while. Still wiping away a tear. Thank you for this…I can’t look at Bruce and not start laughing.

  21. Damn, this is actually the first time I ever fell for an Apri’s fools blog post. I was ready to comment how this is the stupidest post I have ever read 😀

  22. As I didn’t check the date on this post, you had me hook, line and sinker until I got to the comments! A very funny commentary but I can’t help thinking that there must be some FI-ers out there who do feel this way… Also Bruce was a personal highlight.

  23. Hahhhahah love it! The only thing I think I’ll miss is the socializing with new people but if my significant other FIREs with me then I’ll be good. Maybe I’m overestimating how hard it is to find people to hang out with when you’re not working.

  24. Joel says:

    Ha ha. I read this on 4/27. After the 1st paragraph I was thinking WTF? Scrolled back up to the date and had a great laugh. Thanks for all the laughs and even more thanks for all the great info you put out. I really appreciate it while I’m on my way to FI. 7 or 8 years left in my plan but I’m on the path! Thanks

  25. My best article for viewship for the year on my FIRE blog was my April 1st one. Wonder if you had a similar experience. Turns out people aren’t interested in my actual financial thoughts and advice. Just when they think I totally did a 180 and walked away from everything I’ve been espousing.

  26. FIREplanter says:

    This is cracking me up! Hahaha. I really hope no one thinks like your april fools thoughts.

  27. 13yeargoal says:

    Late to the party here, but this is hilarious!

  28. Pingback: Happy Philosopher's Weekend Reading: Volume 1 | The Happy Philosopher

  29. James R. says:

    I can’t believe I’m reading this….tipicall american thinking..the only thing that matter is their f. work life…..keep working is that makes you happy because it doesn’t make me happy at all…..

  30. Bernz JP says:

    I retired when I was 44 years old or should I say quit my government job. This great time of my life happened in 2007. I finally was able to quit my job. I remember it started in 2006 that it was getting harder and harder for me to bring myself to work. The big part of it was because of the money I was making with my online business. It was tough in the first 3 months of not going to work that you were so used to for many years. In the 3rd month, things started to feel and get better. My mind was starting to adjust to my day-to-day work from home routine. I also realized that I love cooking and with flexible hours, this has helped me a lot to really master my cooking skills….ha ha ha. But anyhow, looking back 10 years ago, the past 10 years have been my best days of my past 30 years of living.

  31. pahopper says:

    Oh my gosh, I miss you! When I checked in to see what I’ve been missing, I saw this post but did not note the date. The first paragraph or two made my heart sink. I had flashes of Plato’s cave. Then I realized you were joshing, and I read and laughed, as I always did with your posts. I’m still working. It’s quite sad. I’m afraid to quit. But end of next year is my drop-dead date.

    Happy FI!


  32. sean says:

    Very late to this party, but this is one of my favourite April Fool posts ever!
    I loved the way it starts out kind of believable, bagging out mmm and others,
    before becoming slightly ridiculous as you described the fantastic home made cubicle.
    And then the coup de grace, Bruce who had me in steams of tears! The pic alone is priceless!

  33. William says:

    After your latest update, this post seems much less April Foolsy than before.

  34. who has the best cbd gummies

  35. Yee Donmore says:

    Very good information thanks so much! I love sucking dick btw hmu

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s