This wishes to congratulate all readers on reaching a new decade.

Here are some personal thoughts this new year.

a) 2019 is about a rare successful personal transformation

The hardest part about a FIRE journey is to transform your identity post-retirement. Can you accept your personal identity without your pre-FIRE career ?

Compared to even other FIRE aspirants, I managed to pull a once in a lifetime transformation to  freelancer/businessman. Although I don't really believe that this is something many financial independent folks should attempt (because they might just want to find more meaningful and relaxed employment for someone else), there is huge psychological pay-off when you transition out of getting paid for time spent into getting paid for results.

The business world is unrelentingly results-oriented but if you have something that benefits other people, the rewards are aplenty but you need to market yourself well to make things happen. I consider myself a pretty...