Friday, September 9, 2022
HomeBudgetHow I Stopped Sabotaging My Personal Monetary Independence

How I Stopped Sabotaging My Personal Monetary Independence [Part Deux]

[Good morning! Today we welcome back Monica, Pie Lady FI, to the blog to share an update on her personal and financial journey over the past three years. Last we heard she had crossed a net worth of $900k and was battling a few mental demons. Let’s see where she’s at now!]


Again in February 2019, I wrote a visitor publish right here about how I used to be sabotaging my very own monetary independence journey, which boiled down to a few most important causes:

  1. concern of success
  2. feeling undeserving
  3. limitless time

My journey to monetary independence actually began once I divorced, with two children and $257,000 of debt.

At the moment, not solely have I reached my definition of monetary independence, to have the ability to pay my payments and take a trip or two, however I’ve surpassed it with a web value of over $2 million {dollars}, a paid off dwelling and three of 5 rental properties paid in full.

So many commented on my publish about how relatable these emotions are which made me really feel much less alone. It confirmed me that there’s energy in a life story. That we’re, in some ways, extra alike than completely different!

It’s been simply over three years and a lot has modified, largely by myself outlook about success and what any of us are actually able to.

Concern of Success

One would suppose after getting out of debt, constructing a rental property portfolio and money funding portfolio that give me passive earnings streams, it will squash that concern of success. Logically, I take a look at all I’ve achieved so far and clearly, I’ve been profitable. I achieved all my targets to change into financially impartial.

But, I didn’t (and nonetheless don’t) really feel profitable. I’m nonetheless simply me.

In any case that, I started to marvel that perhaps this was not the proper definition of success. That each one these years I used to be laying the inspiration for one thing else. What if I hadn’t scratched the floor of what I’m able to? What if success was nonetheless forward of me? That realization was actually scary.

Feeling Undeserving

Each morning I evaluation my targets and make updates as wanted, checking off accomplished issues and updating different targets because the 12 months unfolds and issues turns into clearer. Generally I add new targets or transfer different issues to the following 12 months.

However earlier than I get to that train, I’ve on the prime of the web page an excerpt from the poem, Our Deepest Concern, by Marianne Williamson. I nonetheless learn it virtually each morning and replicate on what which means in my life. The road that strikes me (and I pause each time to essentially let it sink in) is:

“We ask ourselves, Who am I to be sensible, attractive, proficient, fabulous? Really, who’re you to not be?”

It jogs my memory that it’s not about feeling deserving of all that I’ve constructed, however that what I constructed was simply the 1st step – a basis. That each one these years spent inching nearer to my definition of FI was not the objective, however was about displaying myself what I’m actually able to with grit, perseverance, and dedication. That if I used to be capable of obtain FI in ten years then what else am I able to?

This blew my thoughts.

Limitless Time

In July 2018, my mother handed of liver most cancers. It was one of the vital anxious occasions in my life. She was recognized in 2017, had the surgical procedure which was declared successful and spent 12 months in remission. Then in January, it got here again. From January to July, the months flew by like days.

Even figuring out the tip was close to, I used to be not ready for shedding her. The final 5+ years of her life, our relationship improved, and we had been the closest we had ever been. Even so, I by no means received the possibility to inform her that I used to be going to be alright. That I had constructed a strong monetary basis. It’s a remorse that I carry. Shedding her was a reminder that point shouldn’t be limitless and none of us know when our time is up.

Quick ahead to 2022. I give up my 9 to five to focus full-time on my subsequent chapter and not using a paycheck. In these ten years main as much as monetary independence, I discovered so much about myself and what’s doable. It was time to reply, what’s subsequent?

This 12 months I wrote my first guide, Seize Your Slice of Monetary Independence, to be launched September sixth, 2022. In it I share all my errors and setbacks in addition to displaying that with grit and perseverance, I used to be nonetheless capable of obtain FI. However extra importantly, I define the steps so that you can take to seize your individual slice of FI.

grab your slice of financial independence

When I’m requested why I wrote the guide, my reply is easy: I didn’t get via all of that for nothing. I knew I needed to share that journey to assist others.

What I’ve come to know is it’s not about me or if I’m deserving. It’s about dwelling as much as my full potential. I nonetheless have a concern of success, however it’s tempered with what I’m trying to obtain.

Timeline continued:

2018 was an emotional curler coaster 12 months. Mother’s most cancers got here out of remission and took her life in July. I received engaged. Attended FinCon which modified the trajectory of my profession.

2019 was a catch-my-breath 12 months. Switched to a brand new, much less anxious, function. Main rental property repairs had been accomplished. Taught myself WordPress and the mechanics of running a blog (thanks YouTube!). Began planning my exit from paycheck dwelling.

2020-2021 – pandemic lock down. What’s the saying, “We make plans, God laughs.” I stayed put in my function placing my plans on maintain. Paid off my mortgage, for purely private causes – it felt actually good.

2022 – give up my 9 to five to give attention to constructing my small enterprise, Seize Your Slice, LLC, as a monetary coach, writer, and blogger, by constructing instruments that assist others seize their huge fats juicy slice of FI.


My new definition of success is leaving a legacy of constructing one thing that can give again for years to return. Am I nonetheless afraid? Generally. However I’m extra curious to search out the reply of what I’m actually able to.

Thus far, I haven’t hit the ceiling.

Monica, Pie Woman FI, is an writer and FIRE blogger dedicated to educating girls and solo dad and mom on how you can go from monetary sofa potato to famous person, by leveraging 10 years of her personal private expertise and galvanizing others to Seize Their Slice too. She might be discovered at

monica pie lady fi


To learn Half I of Monica’s story, which features a breakdown of her web value, click on right here: How I Stopped Sabotaging My Personal Monetary Independence

Really, the breakdown was fairly cool so I’ll simply paste it once more down under : ) She went from $246k to $900k in 9 years! Primarily from rental properties and a few additional investing 💪💪 (After which prior to now 3 years managed to DOUBLE IT and hit $2MM it seems like – much more spectacular! And extra proof that after you get the ball rolling, time does the whole lot else for you – and far quicker.)

[click to see bigger]

UPDATE: A reader liked the structure of this spreadsheet so she re-created it to start out monitoring her personal $$$… You’ll be able to obtain it right here in order for you, she handed it over for me to share! (Thanks Keisha!) –> Monetary Breakdown Template (Excel Spreadsheet)

*Hyperlinks to Monica’s guide above are Amazon affiliate hyperlinks…

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