What are you going to do when FI?

What are you going to do when FI?

Quick discussion today around the question “what are you going to do when FI?”. Let’s hear from you too in the comments!


Mrs. CF’s brain is definitely wired differently than mine, which is why were are such a great couple (if I may say so myself :-p ). Despite some differences being surprisingly big, we do supplement each other on many fronts. Fortunately we are also in sync on so many other items (including finances and ethics). Love her to bits, she is a great woman, wife and mom.

What are you going to do when FI? Travel & Culture?
What are you going to do when FI? Travel & Culture?

Mrs. CF is more of an introvert and values other things then me (e.g. more emphasis on family). To put it boldly, I’m a bit of a loose cannon who talks too much (extrovert) and sometime thinks too little. She is the patient and stable (less erratic) force in the household. She’s also an extremely good listener and as a result liked by most people she encounters, whereas I can upset some people from the start with my opinions. I’m bored in no-time, yet she can do the same thing over and over again. She is a bookworm, I cannot even find the patience to read a magazine! Yes, our marriage still works, strange eh? However, different brains also poses a challenge regarding what to do when FI.

The Question 

When we started on the path to FI, she asked me “ what are you going to do when FI? ”. The interesting thing is that I had no idea! I was far to occupied with the here and now of trying to figure out how to get to FI. I’m a problem solver by nature, and “ what are you going to do when FI? ” is a problem I can solve when it gets close or when I’m there. In short, I was not worried about that question at all! Mrs. CF, who has a far better idea of what she wants, was a bit surprised (and probably a bit frustrated that I really did not care that much about that stage of our future life).

But I have to admit, she’s right! I do have to start thinking about what I want, what we want and can do as a family. It all is going to have to fit around Miss CF having to go to school mandatorily until she’s about 16 (or is it 18?) year of age. For those people tuning in the US/Canada, home schooling is not permitted in this country. You can get a serious fine for this (and they will find you). We will therefore have some restrictions during our initial years when FI.

What I  would like

This is what I (Mr CF) would like to do if there would be no restraints (e.g. family, school, investment wise, etc.):

  • Slow travel and house sitting for many years in various countries such as Chili, New Zealand and Peru (bonus points for those who see the connection!). Also on that (wish) list are Namibia, Thailand, Vietnam, Japan, Croatia, South Africa and USA (specifically Hawaii and Alaska).
  • When I’m done with the above, I’ll find someting to entertain myself. This has never been a problem before 😉
What are you going to do when FI? Hiking?
What are you going to do when FI? Hiking?

But the above isn’t going to happen due to school restrictions for the next decade and a half! Nor does Mrs. CF want to live out of a suitcase for more than a month.

What I/we most likely will do

Now here is the more realistic outlook of what I/we are planning for (in random order):

  • Frequent travel (as much as restrictions, time and money will allow);
  • Find a nice and/or build small-ish property with a large yard (working toward being self-sustainable as much as practically possible);
  • Get two K9’s (potentially in combination with fostering/volunteering for an dog shelter);
  • Start a small (consulting) business (part-time only – just for fun and interaction with people);
  • Keep blogging and organizing meetups with ATL;
  • Prepare for a Olympic/quarter triathlon (just me);
  • Beating my personal best on the 10km and onwards to run one under 42min (depending on how it does, might become 40min).
  • Increase our real estate venture (not for the income, purely for fun); and,
  • Learn new skills including home DYI (considering an internship with a construction company for a year or so) and car maintenance.

Even when hitting FI somewhere within the next 5 years or so, we will likely continue on a bit longer (part time!) to increase the stash and allow various extra’s that we currently have not accounted for (such as the two dogs, increased travel frequency and perhaps even a little sports car). 

What are you going to do when FI?

So, now that you have an idea of what floats around in my and our minds, we would like to know what’s in YOUR’S!  Let us know what you want would like to do, and what plans you have to get there or how to tackle any obstacles.

If you already made FI plans before, how have they stood the test of time?

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  1. Nice post CF. Opposites apparently do attract in your case 🙂

    I think we’ll want to explore a lot of our favourite countries, both on and off the beaten track. We like small towns as much as big cities. Australia, NZ, Canada, UK and a few other countries. Family/couple time is everything for us 🙂

    Mr DDU

    1. Despite opposite personalities, we do think very similar about core topic (finances, ethics, etc.). It’s not as bad as it seems 🙂
      Nice bucket list for you guys, looks fun! Good luck

  2. Difficult question to answer! Yet I think your plans are very sound and worth looking forward too. Your child will be very lucky to grow up with Fired parents ;).

    I have been wondering about the same question as well… Deep inside I’ve always wanted to have my own business. I was thinking working longer than necessary to have more cash. It’s easier gathering 100k when you already own 800k for instance. With this cash I could start something without having to think about financial consequences in case of failure (a bit like you). However, I’m pretty lazy and don’t like to work a job even a monkey can do. I like thinking, making strategic decisions and hunt for value. I would prefer businesses that can almost run themselves like a car wash, gas station, parking…so my daily presence is not a requirement. Low maintenance costs are also a must. Maybe even hire someone to take care of the operational side. Having a business is also very interesting fiscal-wise, for example bringing your car in it.

    But, travelling is also a high priority. Finding a balance will turn out to be a challenge.

    1. My recommendation, find a rich or high income partner. Worked great for me too 😉 Great to share costs and benefit from love, fun and company.
      Gives you also the flexibility of starting your own business without having to first become fully FI. It’s what we plan to do.
      Finding a ballance is a challenge indeed, but fun to do.

  3. You know, I had plans for what I was going to do when I was FI — but reality turned out very different.

    My advice? Don’t over think it and don’t over plan. You’ll be wonderfully surprised by what you can be done when you suddenly have a lot more time on your hands.

    You may find entirely new passions after you ‘retire’. I know I did!

    1. Hey Mr Tako, thank you for the real life perspective. Great to hear from someone who has actually pulled this off. Fortunatly we are pretty laid back, so we are only making general plans that are flexible and easy to adapt (within limits). But you got me curious to what new passions I could have after FI 😉

  4. I will probably continue working/learning in the software engineering space. I love to write code. But it will be more relaxed an on my terms.

    I’d like to spend more time with family, especially MrsSLM whom I don’t get to see as often with the kids around.

    Lastly, get back to lifting weights regularly, 4x a week and go to Brazillian Jiu Jitsu regularly.

  5. I can’t ever see myself not working or doing something to produce income. FI will just let me do what I want to when I want to. I love your plan of travel, part-time consulting, and other income producing streams because that is what I picture myself doing. I think it is okay not to have a clear vision of what the end game looks like, because reaching FI opens up all of the possibilities and will allow you to pursuit all of these ridiculous ideas.

    One other comment – My wife and I are different in a similar sense. I like having a partner that hsa a completely different personality and we compliment each other very well!


    1. Hey Bert,
      Ah, the joy of two different brains 😉
      As to FI, flexibilty is definitely key, my plans will keep changing as life passes (and by the looks of things, yours too). But I do think it’s not bad to have a bit of an idea of what you want.

  6. That is rather funny. Putting yourself on a highway to FI, but having no clue what to do on arrival 😉

    But I get what you mean, I guess. For me the most important goal is just one word: freedom. There is nothing wrong with my job, but the idea of going on like this until 70 freaks me out. I have no patience though. I felt a strong urge to leave the treadmill and explore other ways of living. That would have been a lot easier if I would have waited until FI, but I couldn’t postpone following my dreams for another 14 years…

    1. Freedom is definitely the ultimate feeling we strive for. Whatever you do with it is really a first world “problem”.
      But you are right on the partial FI, much better to start the partial freedom now, than continuing for more than a decade to have full freedom. Think it is the best compromise to enjoy life.

  7. Interesting question. Mr. Divnomics ans myself have different ideas on this subject. Whereas he probably will not stop working, I want to do other things with my time.

    I really like the idea of becoming more self-sustainable and traveling is something we both like to do more.

    We just think of finding the things we want to do now, and just do more of it when we reached FI.

    1. Glad to read we are not the only ones that have different ideas of what to do when FI. As long as you talk about it as a couple, and give each other space to do your own thing, the relationship will likely only get stronger.
      Best of luck and have fun thinking about FI and all it’s possibilities!

  8. Find a nice and/or build small-ish property with a large yard (working toward being self-sustainable as much as practically possible): yes indeed!!
    I will check Oosterwold as well, thanks Merel

    1. In hindsight we actually already knew about Oosterwold, just did not remember the name of the project. Pretty cool, but not the right location for us unfortunatly.

  9. Some good plans there, I also would want to do a bit of slow travel. Also Croatia should be doable now in the summer holiday and it is a very nice country (been three times already, would love to do a coastal run with a boat!).

  10. Hi mr. CF! Even een reactie. Ik volg je blog met veel interesse, maar reageer eigenlijk bijna niet. Maar nu dus wel.
    Kinderloos als ik ben, heb ik er weinig verstand van, maar homeschooling is volgens mij zeker mogelijk in Nederland. Ik dacht altijd begrepen te hebben dat het je niet meer lukt het te regelen als je kind eenmaal naar school gaat, maar als je alles regelt voor de eerste schooldag, is het mogelijk. Samen met mijn man ga ik in Oosterwold wonen (maakoosterwold.nl) en daar komen verschillende gezinnen te wonen wiens kinderen thuisonderwijs krijgen. Sowieso kan ik je aanraden eens te kijken op de site van Oosterwold. Betaalbare grond in de randstad. Lekker groen. Wij gaan een klein huisje bouwen op 2600 m2 grond. Na het bouwen van ons huisje houden we nog genoeg bouwrechten over om op termijn nog een huisje te bouwen. Voor de verhuur of de verkoop. We zien wel. Misschien is dit ook wel interessant voor jullie?! Het is een beetje afhankelijk in welk deel van de randstad jullie banen zijn. Succes met al jullie plannen!

  11. Weaving (a hobby of mine), reading a lot of books, having my own vegetable garden and perhaps, if I have the skills and the right people around me, I would like to become a semi-professional rugby ref.

    I will also stay working – part time, just for fun. It would be quite different if I don’t have to work for the money anymore.

    1. Semi pro rugby referee? Awesome! Good luck with that.
      The part time work might actually be a great thing during (partial) FI. Will see how it goes….

  12. Thinking about what you will FI into is very important. In fact, it is key! Good that you start now.

    And yes, we will keep the meetups. One day, we might even dream big!

    Our restrictions are the same, kids that go to school the next 14 years (not counting further education) and not willing to homeschool.
    Thus, restricted travel and geo arbitration.
    The plan is to keep at least half time working to grow the stash, accumulate pension rights and have a purpose, a goal to achieve. It means i will be strict on what i do and why i do it (i like the idea of an internship to learn a craft).

    When schoolplanning allows: travel. I also plan to involve the kids on the to.ing duration and destination.

    In short: no hammock for me, i will have the mojitos!

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