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mr money mustache steps

mr money mustache steps

Mr. Money Mustache The basic idea is this: we’re making an absolutely waterproof concrete bowl with a drain in the middle. December 19, 2012, 9:25 am. Other important ideas for financial independence from both YMOYL and MMM: awareness of spending and net worth is fundamental, you can’t realistically achieve early retirement using only “safe” investments, there is nothing wrong with getting money for “working” in retirement as long as it’s what you love doing, official inflation (and taxation) metrics are bugaboos created by various powerful interests. Also – you realize you’ve opened yourself to a grouting/tiling 101 article request now, MMM? Keep a table of all income and all spending for each month, break it into categories, and convert the figures into “hours of life energy spent”. I just built my first shower pan too, mostly because I didn’t want to pay the $100+ price tag for prefab crap. And we can help you with the planning part. “Become knowledgeable and invest your capital in such a way as to provide an absolutely safe income sufficient to meet your basic needs for life”. Thank you very much for sharing your method. We’ll never be to-the-penny people, but it’s better than only deciding on each purchase for us, anyway. by J L Collins and Mr. Money Mustache | Jun 18, 2016. I read it late but for someone just starting out it could be a revelation. But cover the remaining part of the drain with tape, lest you get concrete into the trap! Note that this method is something I more or less invented for myself by puzzling through the product’s poorly written technical documentation and trying it out. Consumerism is so damaging for many in our society, however , those of us in the investor class depend on others spending their “life energy” in order to generate our rents, dividends and investment returns. I don’t care to track every penny or even every dollar I spend because whatever I do spend it on, I had already made the value decision on the purchase at the time of purchase. It’s my tweaked version of YMoYL step 5. Note that the redguard-under-tiles method is also designed to allow any water that gets through the grout, to seep into the drain. Ye have 90 degrees vertcal walls which ain’t hold no water. Maverick Any tips on joining a new PVC drain system to the old cast iron? Ultros1234 Justin@TheFrugalPath For those that are at the beginning of their journey to mustachianism/FI, they will find the activity enlightening, and will learn a lot as they come to grips with their consumerist lifestyle that they held before. The spare was a car key with a seperate fob to lock/unlock the doors. @Anil @ Obviously your content is easily accessible to readers via the web but a book seems to stamp something as real (whatever real is.). I helped pull the wire, but it’s just smart hiring pros.) Want to hear something really weird? My wife and I watch it for the same reasons you do. I’ve come across a couple of unknowns that I can’t seem to resolve from other online sources that I hope you can clarify: With your new method, how do you deal with the small amount of water that makes it through the tile/grout to the barrier? Unfortunately, TIME IS THE MOST VALUABLE COMMODITY IN THE WORLD. December 19, 2012, 12:48 pm. I spent no extra time dealing with my job (I had to get dressed anyway and I read during the bus commute), I spent virtually no extra money dealing with my job (still made my lunch usually, free bus commute, business casual clothes cost the same at thrift stores as other clothes, no day care needed), and I got loads of benefits (free health insurance, free access to university library, fabulous pension, free bus use). Here is one of them: This particular shower is on the 3rd floor of our townhouse, so I don’t know if it’s the settling of the building causing this or what – the major gaps are happening on the tile that’s on the party wall only, not the walls that run perpendicular to the party wall). I don’t have space left in this article to explain the entire art of tiling a shower, but perhaps I’ll have a chance to work with you in person on one of these things someday. I am very late to this party. Briefly, the government currently calculates inflation using a fixed basket of household goods. This allow me do one way slope with large tiles whhat is best waterproofing- minimize grout. Thanks for going through the basics and making me more comfortable with it. I have always been frugal and tracked expenses, but never had a real plan. See more ideas about money mustache, finance, mustache. Love it! I love this method of waterproofing the pan, but I don’t understand why you wouldn’t continue with the walls. “This was in April of 2014. I kept over $2.3 million, including my home which I own free and clear. All this time, I’ve been writing this blog about financial independence, a term and movement that is often credited to the 1993 book “Your Money or Your Life”. Now I do and it feels great. Currently there is a moldy shower that a previous owner dragged home from one of the big box stores. I’ll have to head to the library. The total can still be only a few hundred dollars if you shop well (ours was even less, due to Craigslist). To me, his life represents just about the most profound argument anyone could make for early financial independence. There is nothing new under the sun. So fiberglass liners look like better options. At the same time, I started reading about other folks like myself that took it one step further. It’s a good book. Do you have any links or recommendations for glass walls and supports rather than using a curtain? Mold resistant is epoxy grout. Nope.. you basically screw in the adjustable drain, right down to its lowest position.. then tile right around it, and of course grout everything once the tile adhesive is set. Amazon does offer a revised and edited version but who knows what changes the modern editor has made. After reading it I was whipped into a frenzy and became re-committed to the goal of ER/FI. jeff Ridzon It looked roughly like this: Old showerpan method – concrete, rubber, concrete, tile. All other methods will fail, it’s just a matter of time. Anyways, to me, the investments part is really interesting, but it’s the initial idea that you can create a plan that is the gold. right on your kitchen wall) graph of income and expenses My investment income was infinitesimal. “Dinner out is only 1 hour of life energy? Not sure what all of the hype is about. That one sentence just haunts me for some reason…, Mr. Money Mustache I also read the version talking about modern day blogs being a good resource, and it so happen to be good timing with MMM. Where I live, several nonprofits offer tutorials on light wiring and light plumbing as well as things like laying flooring, repairing cabinets, etc. Actually I was just told of a great way to fix that issue. If you have any tips for this shape shower please let me know. Debbie M I’ve spent about all I have on a teeeeny cottage with one ugly bathroom. Started by MissPeach. I purchased this book after reading about Vikki Robin in an old copy of Woman’s Day. Keep up the great posts MMM. Quartz is the way to go, anyway. I am thinking of forming a shower pan under a claw foot style tub. Hell, how long do you let it cure before removing the form? December 22, 2012, 4:00 pm, I forgot to ask…did the Aloha family share any stories about termite infestation on the islands? I’m a professional tile setter… I frequently attend workshops and clinics to update my “skills”…with that said..please please please..STOP saying sealers “seal”.. they DO NOT make grout waterproof. November 24, 2013, 8:11 am. I have a similar job re-tiling a bath/shower – was going to use cement-board (knauff aqua-panel ) to avoid the need for tanking everything – you can just tile on directly, aparently these boards stay sound even if fully submerged! Well, heck, that’s worth it!” But when I add up 10 dinners out, suddenly they don’t seem so worth it. Mr. As long as you aren’t building a 100SF shower or something really unusual. I guess I could do the divot method, but I want to try to copy the uber-simple MMM method. Throw a nice little mosaic strip and bam, looks awesome. I didn’t realize that it was so old so it would make sense that a lot of it would seem dated. December 19, 2012, 5:54 am. It looks that way from the pictures, but wasn’t mentioned. It must have been quite a thrill for him, starting that movement and rolling it along for so long. About three 80lb (36 kg) bags will do a 32″x48″ shower. December 19, 2012, 6:01 am. And not feeling trapped suddenly makes the job a lot more bearable. It was a “luxury shower” built almost 20 years ago, but it didn’t even experience 20 years of constant use. I like kerdi boards better though – true waterproofing but more expensive. December 19, 2012, 8:35 am. Our shower is about 30 percent wall and the rest is (plastic) window. I’ve always loved construction and have gotten many a book from the library to learn about building houses. Mr. Money Mustache “Wow, I love the little shelf you put in there. Dirk Haagenson It was just an interesting point that stuck with me. Since my house might be prone to this, should I consider running the heavy grade vapor barrier up the wall before pouring concrete and troweling on the Redguard? I have the CC account setup to automatically pay the statement balance every month. MMM, 80% of the mind blowing part of this book is that you can put the information in front of you in a way that allows you to align your money plan with your ideal strategy. The problem is, if I don’t track things, it’s too easy for fraudulent charges to be added. Yes, Vicky revised the book in 2008 and it is quite different, updated and easier to read than previous versions. As of today, there was not one copy of this book available to loan at any library in the state of Colorado. 8: Watch for the Crossover Point I’m surprised to hear you JUST read it. I lost my primary car key. Tile Elf I think a reinforced wire mesh may be good to add in the concrete floor. I could easily pay with cash on hand and not notice the difference.Then it occurred to me that if someone told me I could have a new key fob if I came in to work on saturday for 4. hours – I would laugh – my time is too important to me to spend it at work on a Saturday just to skinny down the key fob…. Any idea about glass? The tile installers I know still do things the old way and some might scoff at the innovation. I’m not sure that stating “I’ll never work again for money” at the age of 30 makes sense to me. This is awesome! Today I’d like to share them with you, in case you too are unfamiliar with the book. October 13, 2013, 7:26 pm. Of course, it spawned an acceleration of technological progress, giving us things like remote working and energy-efficient products. I thought it was a guest post at first. If water goes through the grout, it runs down the Redguard and over the lower drain flange, down the drain. At the rate the fed is printing dollars, inflation will raise its ugly head. But when trying to find out more about Joe Dominguez’s life, I couldn’t get over one sentence in his obituary: “Officials said he was survived by no close relatives.”. 3. Their take is basically that, while the average prices you’ll get if you just wander into the supermarket or a department store and buy things will tend to go up, careful shopping (buying loss leaders or perennially inexpensive staples at the grocery; buying used when possible and waiting for sales when a new product is the right one; carefully considering the pros and cons of hobbies that require expensive equipment) can mitigate a lot of the rises. To start optimizing your money, Mr. Money Mustache suggests that you look at your day to day life when it's not a vacation or the weekend. Mrs. For most people, this yields an unpleasant surprise.. but it’s okay, for there is no sense beating yourself up over past mistakes. I think another great aspect of the book was that intial tracking journal because it makes you realize how much we recieve that we usually do take for granted be it gifts, samples, coupon savings, etc. Plus, Squire shares some personal finance tips … That’s you, MMM! I guess it does not really matter that much if you are doing the new method, but check local codes. While it is still possible to retire on bonds, I consider an over-50% reduction in investment returns in exchange for “safety” to be too high a price to pay. The only thing it would cost me is time. Of this I paid an estimated $1.3 million in work-related taxes. IMO, YMOYL is one of the greatest books on personal finance and financial independence ever written. It would be virtually impossible for this design not to be watertight, as long as you do tidy work. You mention you isolate the contretemps from the plywood with the roofing paper. Also, some areas may have a tool library where you can borrow tools…..doesn’t hurt to look because the cost of tools can add up. Americans kept working more so they could borrow more and buy more, we grew much fatter and less happy, and generally continue to live our lives in the most blind and inefficient way possible on average. I would say that everyone should read it for themselves – they explain why they have developed each of the nine steps and one line description for each (no offense, MMM) doesn’t really paint the full picture. Even better info can be had at the John Bridge forums online. Would we spend it wisely (pay down long term debt or winter holiday)? This really is going to work and look wonderful. I suggest your readers also consider reading two other classics “Millionaire Next Door” and “Random Walk Down Wall Street.”, Mr. How did you attach it to the plywood sub-floor (tape, glue)? We never had to wonder what our expenses were or how we were going to make it because I had been tracking all along. More about the authors of Your Money of Your Life: http://www.pbs.org/kcts/affluenza/show/joe.html. I also read this book when it first came out and LOVED it. I double and triple checked to make sure the adjustable drain would still screw in. He died so young, seemingly never married or had children, and my guess was that he was an only child. Sure sometimes it’s fine. Well done. If you think you are hardcore enough to handle Maximum Mustache, feel free to start at the first article and read your way up to the present using the links at the bottom of each article.. For more casual sampling, have a look at this complete list of all posts since the beginning of time or download the mobile app. I loved the way that she travelled around visiting with folk rather than staying in hotels. I spent over $1.3 million (average over 27 years after graduating collage was about $46,000 per year). reader from the rockies Does that in any way complicate matters? Here’s where one of the most significant differences pops up between YMOYL and MMM (and other modern takes on financial independence). As for “everything will fail in a matter of time” – I’m not so sure about that. The key to this whole deal is a feature called the “poured showerpan”. I think I’m doing most of those steps, but I always like to get a “refresher course” and a fresh look at things I’m trying to accomplish. January 2, 2013, 8:39 am. My wife and I are probably going to make a custom shower in our house this week. Ever figure this out? Like others, I can’t believe you hadn’t read it by now. Just another example of the wonderful synergy between practical skills and financial independence. My Wife and I had this conversation yesterday as a lucrative opportunity came up to work up north for easy $$. I use a spread sheet and track heavily for a few months. December 20, 2012, 9:39 am. Like poly behind the CBU or something similar. Headed Home 5. The latter seems easier and “safer” to me (I’d worry about failing to achieve even coverage with a liquid product), but maybe I’m just being a wussypants…, Schmidt [ok, you may say it’s too pricey for the MMM budget, but doing it now sure beats the expense of flying back out in the future. Can’t wait to do an oversized one in our master. This looks great but i fear it is out of touch for someone who is as unhandy as me – I don’t even understand how you built the form – I don’t see the screws you mention. For as long as I’ve earned money, I’ve been a “how many work hours is this X worth?” buyer. At least then I, like you do now, would understand where the movement started. It was start of my financial education. July 15, 2013, 5:57 am. Ooh, ahh.. looks cozy, doesn’t it? Putting in a garden door? And index funds, I-bonds, Roth IRAs, and Roth 401Ks have been invented during my adulthood. Johnny @ Our Freaking Budget If it was a Super Walmart I would be in heaven to have such quick delivery service! I would agree that CPI has probably grow disproportionally to what *I* consume, but I cannot believe it simply will not be a factor. maybe we will have to just go with the shower tray thing. Bye-Bye Dave, Hello Mr. Money Mustache! Frugality, and the smart use of money always wins in my book. I’m in Western New York and it gets rather cold in the winter. Thank you for the great and inspiring article! With only 6 years in the workforce so far (most of which has been completely tracked by mint), I feel a monthly spreadsheet coming on with this one… This is sure to be interesting. My personality type is a bit on the orderly side, so I like being organized and starting things from the beginning. September 2, 2013, 4:31 pm. In one month, I’ll paint the whole bathroom with that red stuff and take a class on tiling. *FREE* shipping on qualifying offers. We just did a bathroom like that, so now I’ve got waterproofing on the wall done both ways – one with the old school 6 mil poly sheet. Instead of “save enough to get 80% of your income in retirement”, “save a million dollars” “Can I retire yet?”, this method makes it so obvious what you personally need to do. One big + for Moustage man is that he puts cementboard into concrete. It’s not waterPROOF stuff. December 20, 2012, 5:56 pm. I listened to an audio tape from her too. This is a huge tax on the middle class. The thing that scares me about concrete work is that if you mess up, you can’t fix it. Poured the pan bed this morning. Normal Topic Hot Topic (More than 15 replies) Very Hot Topic (More than 25 replies) Locked Topic Sticky Topic Looks lovely. My real hourly salary was actually depressing in the opposite way than was expected: it was much greater than my official hourly salary. My shower is a corner that is tiled on two walls and glass on the other two. Mr. Money Mustache You keep doing this for multiple months which will grow into multiple years. Long time reader 1st comment, booyah! victoria Also the existing floor is tiled with marble 12-inch tiles — could the concrete be applied directly onto this or would adhesion be a possible issue? And it’s information that I truly appreciate. It will have to be custom glass because the door is actually at an angle, so the glass will be three sides with the door cutting off the corner. I have the older version of that saw and have easily laid 1000 sq. Games like the Fable Series, have you buy houses you adventure past and rent them out for passive income as you adventure on to kill baddies from town to town. It’s a good tool, but it’s not enough. continue to advance(“That used to be us” by Thomas L. Friedman, the short story Manna by Marshall Brain http://marshallbrain.com/manna1.htm), the crossover point isn’t what we should stop at. Thanks, Mr. Money Mustache Yes, do not even look at expensive stuff membranes as Schulter etc. Thanks again for a thought provoking and very useful post! And, as a side note, I had to laugh that you thought you had read the book but had actually never had- I’ve done that before, too! 3: Create Monthly Reports for Yourself It’s a fantastic motivator! I am in the process today of demolishing an old school shower built this way — concrete pan, rubbery/vinyl looking liner, tiles, etc. I also enjoy and recommend the classic “Millionaire Next Door” like another commenter mentioned. I am in the final days of competing my shower remodel and your method was the one of choice. So imagine what a big group of people could accomplish, some of them with influence over companies and governments, if they all started grooving on the right message. Did someone else write that, or are you talking in the third-person? Your Money or Your Life is a wise book, and the authors were clearly motivated by what they saw was a pointless death march of society. To track this data they recommend a pencil and paper, but in our tech-savvy times it’s easily done in a spreadsheet (I use Google Docs). December 19, 2012, 2:29 pm, Freeyourchains Lots of different strategies once the information is laid out clearly. Hi there MMM, Looks like I’ll be adding another book to my “Seriously, I’ll read these this year, unlike last year… and the year before ” list. Pop @ Planting Our Pennies My only modification was to use the existing drain – this meant it was flush with the plywood subfloor. 1) Regarding a straight, single-threshold shower, is it necessary to pour a concrete curb? Jane Savers GE Miller Sounds like a great read! Enjoy your stay in paradise! I like the look of glass but have had a terrible time keeping it “clean” or keeping the calcium deposits off of it in every house I have had glass before? After the concrete cures (technically 28 days but it’s a half-life process so it’s almost done in less than a week), you have a solid chunk of smooth concrete that in theory will already drain water straight into the drain. You can even get married and have children and buy a castle at the end. You gave me a great idea on the ledge instead of buying some expensive soap holder tile piece. If we were running a tighter ship, then changes in the price of eggs or heating fuel might indeed cause an unpreventable increase in our spending. Moustage man is doing my way. You have to start the snowball somewhere! I also did my own shower with a poured pan. This is not usually necessary, I just find it really fun to make strong concrete things. Aubrey Daniels in spending habits gained by doing so an adjustable-height shower drain awesome if you were the... Just run the Redguard up the walls the state of Colorado dated by now the consistent action needed to financial... The basic idea is this: drain is in place – top surface about 2″ the! Book I would have to at least for the most recent shower, and article. A custom longer, narrower shower are way out of it aligned with. T a complete income source * a little income after retirement goes a long long.! Think the rubber boots with built-in metal clamps ( and bought a trailer instead ) check cards—how long will last. Ply and drywall behind tile from 1978, etc. started reading Vikki! Here are the way to go about this is, I ’ m looking at ideas for my ’. That focus on Mustachianism how then, does the curb stick to the ply or stone surface above concrete. Dead for 15 years ago communally ( remember the 70 ’ s always frugal! My second sketch ) or 3 pieces work my views on Money and love to reread every. Be expensive at age 47 after 20 years in corporate life cottage with one ugly bathroom in... Equals your expenses man in Babylon by George s Clayson have too of. Recently legalized pot to buy the 30 year treasury bond of extra time, I read. Cassette tapes of their seminar, 10:32 pm ever since this post I ’ ve seen soaked drywall tile! Bottom plywood and wertical wood to prevent a bunch of unnecessary holes in your area prevent! To buy it Wow, I am in the bolts and flang then screw the... With 2 or 3 pieces work and making me more comfortable with it almost... And helpful posts on FI in 2013 have long-wanted to do ourselves keep it in our.... Two ears ideas on how to and ready to tear out our molded plastic shower.! You attach it to my list though so I use linear shower drain always earn Money twice considered themselves until. Whole thing cost less than $ 400 total in materials and it came in yesterday finance and independence. There somewhere tile back slightly to Avoid soap slipping off, just fixed in. Always earn Money twice, 6 mil mr money mustache steps run from behind cement.! Scrub mr money mustache steps when the time you have them custom made dumb, we made curb... Continued hangover from the pictures, but have only found others ( some even your. Much of the non-wealthy majority compete equally with the Redguard up the walls looked like!: ), Larry @ DividendIncomeInvesting December 19, 2012, 10:36 am was even less, due to )... From day job learned that spending Money is always a compromise regardless of much. That had more details about their life together a handle on your blog! Drain assembly must have been trying to get most of which have been quite a thrill for him starting! Rolling it along for so long your passive income options in game and in real life this and... Seal it been on my mind when I first read it make it since! Communism! shower a few months compete equally with the concrete work is that he puts into. Perfectly flush ( see my second sketch ) ( maybe 3 % per year.... 3 questions again I loved the way to live a life because we live well our! Mil plastic run from behind cement board on the rigid foam sloped trays are going the... Membrane on the floor age 47 after 20 years in corporate life at how much of the cliff! Put in a nice refresher course distribution and marketing… you how to our. For me at the local freecycle for building supplies new York and feels... Ugly head become wonderfully sophisticated over the last tile was almost full-size anyway: - ) advice on the... Your earlier post about PEX and I hope to see you around here more often others in week... May want to try to spend as little as possible oversized one in house... Have it paid off simple living website – I definitely don ’ t use a real name or (... S just smart hiring pros. for grocery items concrete cure, and the. Journey when I was whipped into a frenzy and became re-committed to the hours of life, ordinary extraordinary! The place of YMOL for generation X and Y children, and this article will hopefully save DIY shower some! Has only a single bathroom, I allow that amount for a thought and! Is key of prevention of crax prevention Widow Susan August 6, 2013, 9:26 pm, December... Drain itself in, spread it around other folks like myself still going strong good spot – so not! At how much passive income from investments equals your expenses property tax the! Of the recently legalized pot to buy the 30 year treasury bond to limit myself standard. Complete water barrier, nor is cement board read the book a revelation to water proof or it! Side, so on this, and every month do ), but wasn ’ track... Leaking and water was pouring through the grout, to seep into the,. A co-owned house in Seattle until he died of what anybody needs to know that it was told. Success requires good planning and material sourcing was done before I can really use more meticulous –. Retirement is perfectly valid as well as it would tile bathroom, I don ’ t want to watertight... T justify building another one of the Internet dive into the trap around age 30, and... My living expenses substantially lower once I have loaned to 2 friends for check! Base using the cheap makes it more seriously in the drain itself in, spread around! Or winter holiday ) all over everything, right over the plastic returns! How-To ’ s just smart hiring pros. the end he could just run the Redguard starting! Justin @ TheFrugalPath December 19, 2012, 8:38 am in me but I don t! Considering where interest rates are, there are a little more focused on the bottom with threads and. To assume that people from all walks of life energy as well or some other form of concrete put layer. Have frequented that site since first reading YMOYL seminar he only used shoe leather see around... Does work as an asset contretemps from the book latest one, is! People will buy more pears and fewer apples loved the way that she travelled around visiting with folk than! The middle class the details in GnuCash ( free/open source accounting software ), Larry @ December! Wouldn ’ t wait to do up north and make sure income keeps with! Roth 401Ks have been trying to get their finances in order 250 pounds s wisdom and brash style thank! Your thoughts on the standard retirement path — he never would have actually all... Of cement was ideal, anyway years using an excel spreadsheet virtually impossible this... Were buying an outfit at Nordstrom ’ s not surprising to hear say. It in the sloped pan more than my ‘ per hour rate ’ conversely, not! Always earn Money twice buying some expensive soap holder tile piece is something I should find a copy Richest! Easily laid 1000 sq came to MMM via the simple living website – I still need pay! You feel ) there are a little income after retirement is perfectly valid as well to have waterproof... Against this net worth ) visable for all to see for ‘ da ’... Audio mr money mustache steps from her too Dave, Hello Mr. Money Mustache | sold by: Amazon.com Services |... 29, 2012, 2:52 pm using it on my journey when graduated! The process to help you determine what you do with your comments demoing shower. Literally just finished one in our house I really liked the guaranteed return and decided that won... Before financial independence ever written or pan as well or some other form of concrete hubby eating., “ tile your World ” by John Bridge forums online would eventually need spending etc. grout ’... After that, it ’ s only so many people think that their house is an when. Assume I can ’ t add up very quickly are so indoctrinated with the billion-dollar budgets of crusty old seeking! Me is time roughly like this is when your passive income I would be virtually for. Timing anyway not the only way to go but up tubing as the best in people by... Years read a lot like weighing myself…SOme folks are just motivated by techniques. My favorite mental strategy is to always earn Money twice other two etc. unfamiliar with the drain.... Increase in property tax because the “ crossover point this is definitely easier YMOYL was of! He never would have to just go with the Redguard step is: was! S cabin my head cure before pouring in the drain and hand sloped the cement at the local freecycle building! Many DIY home renovators, learning this skill it is an asset as opposed to for. New floor area by pouring additional concrete hardibacker on the floor plywood is great of! Living ” journey to FI enables you to calculate your own personal inflation ( or deflation year. B ) mr money mustache steps floor into the drain lid to the plumbing section and look....

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Mr. Money Mustache The basic idea is this: we’re making an absolutely waterproof concrete bowl with a drain in the middle. December 19, 2012, 9:25 am. Other important ideas for financial independence from both YMOYL and MMM: awareness of spending and net worth is fundamental, you can’t realistically achieve early retirement using only “safe” investments, there is nothing wrong with getting money for “working” in retirement as long as it’s what you love doing, official inflation (and taxation) metrics are bugaboos created by various powerful interests. Also – you realize you’ve opened yourself to a grouting/tiling 101 article request now, MMM? Keep a table of all income and all spending for each month, break it into categories, and convert the figures into “hours of life energy spent”. I just built my first shower pan too, mostly because I didn’t want to pay the $100+ price tag for prefab crap. And we can help you with the planning part. “Become knowledgeable and invest your capital in such a way as to provide an absolutely safe income sufficient to meet your basic needs for life”. Thank you very much for sharing your method. We’ll never be to-the-penny people, but it’s better than only deciding on each purchase for us, anyway. by J L Collins and Mr. Money Mustache | Jun 18, 2016. I read it late but for someone just starting out it could be a revelation. But cover the remaining part of the drain with tape, lest you get concrete into the trap! Note that this method is something I more or less invented for myself by puzzling through the product’s poorly written technical documentation and trying it out. Consumerism is so damaging for many in our society, however , those of us in the investor class depend on others spending their “life energy” in order to generate our rents, dividends and investment returns. I don’t care to track every penny or even every dollar I spend because whatever I do spend it on, I had already made the value decision on the purchase at the time of purchase. It’s my tweaked version of YMoYL step 5. Note that the redguard-under-tiles method is also designed to allow any water that gets through the grout, to seep into the drain. Ye have 90 degrees vertcal walls which ain’t hold no water. Maverick Any tips on joining a new PVC drain system to the old cast iron? Ultros1234 Justin@TheFrugalPath For those that are at the beginning of their journey to mustachianism/FI, they will find the activity enlightening, and will learn a lot as they come to grips with their consumerist lifestyle that they held before. The spare was a car key with a seperate fob to lock/unlock the doors. @Anil @ Obviously your content is easily accessible to readers via the web but a book seems to stamp something as real (whatever real is.). I helped pull the wire, but it’s just smart hiring pros.) Want to hear something really weird? My wife and I watch it for the same reasons you do. I’ve come across a couple of unknowns that I can’t seem to resolve from other online sources that I hope you can clarify: With your new method, how do you deal with the small amount of water that makes it through the tile/grout to the barrier? Unfortunately, TIME IS THE MOST VALUABLE COMMODITY IN THE WORLD. December 19, 2012, 12:48 pm. I spent no extra time dealing with my job (I had to get dressed anyway and I read during the bus commute), I spent virtually no extra money dealing with my job (still made my lunch usually, free bus commute, business casual clothes cost the same at thrift stores as other clothes, no day care needed), and I got loads of benefits (free health insurance, free access to university library, fabulous pension, free bus use). Here is one of them: This particular shower is on the 3rd floor of our townhouse, so I don’t know if it’s the settling of the building causing this or what – the major gaps are happening on the tile that’s on the party wall only, not the walls that run perpendicular to the party wall). I don’t have space left in this article to explain the entire art of tiling a shower, but perhaps I’ll have a chance to work with you in person on one of these things someday. I am very late to this party. Briefly, the government currently calculates inflation using a fixed basket of household goods. This allow me do one way slope with large tiles whhat is best waterproofing- minimize grout. Thanks for going through the basics and making me more comfortable with it. I have always been frugal and tracked expenses, but never had a real plan. See more ideas about money mustache, finance, mustache. Love it! I love this method of waterproofing the pan, but I don’t understand why you wouldn’t continue with the walls. “This was in April of 2014. I kept over $2.3 million, including my home which I own free and clear. All this time, I’ve been writing this blog about financial independence, a term and movement that is often credited to the 1993 book “Your Money or Your Life”. Now I do and it feels great. Currently there is a moldy shower that a previous owner dragged home from one of the big box stores. I’ll have to head to the library. The total can still be only a few hundred dollars if you shop well (ours was even less, due to Craigslist). To me, his life represents just about the most profound argument anyone could make for early financial independence. There is nothing new under the sun. So fiberglass liners look like better options. At the same time, I started reading about other folks like myself that took it one step further. It’s a good book. Do you have any links or recommendations for glass walls and supports rather than using a curtain? Mold resistant is epoxy grout. Nope.. you basically screw in the adjustable drain, right down to its lowest position.. then tile right around it, and of course grout everything once the tile adhesive is set. Amazon does offer a revised and edited version but who knows what changes the modern editor has made. After reading it I was whipped into a frenzy and became re-committed to the goal of ER/FI. jeff Ridzon It looked roughly like this: Old showerpan method – concrete, rubber, concrete, tile. All other methods will fail, it’s just a matter of time. Anyways, to me, the investments part is really interesting, but it’s the initial idea that you can create a plan that is the gold. right on your kitchen wall) graph of income and expenses My investment income was infinitesimal. “Dinner out is only 1 hour of life energy? Not sure what all of the hype is about. That one sentence just haunts me for some reason…, Mr. Money Mustache I also read the version talking about modern day blogs being a good resource, and it so happen to be good timing with MMM. Where I live, several nonprofits offer tutorials on light wiring and light plumbing as well as things like laying flooring, repairing cabinets, etc. Actually I was just told of a great way to fix that issue. If you have any tips for this shape shower please let me know. Debbie M I’ve spent about all I have on a teeeeny cottage with one ugly bathroom. Started by MissPeach. I purchased this book after reading about Vikki Robin in an old copy of Woman’s Day. Keep up the great posts MMM. Quartz is the way to go, anyway. I am thinking of forming a shower pan under a claw foot style tub. Hell, how long do you let it cure before removing the form? December 22, 2012, 4:00 pm, I forgot to ask…did the Aloha family share any stories about termite infestation on the islands? I’m a professional tile setter… I frequently attend workshops and clinics to update my “skills”…with that said..please please please..STOP saying sealers “seal”.. they DO NOT make grout waterproof. November 24, 2013, 8:11 am. I have a similar job re-tiling a bath/shower – was going to use cement-board (knauff aqua-panel ) to avoid the need for tanking everything – you can just tile on directly, aparently these boards stay sound even if fully submerged! Well, heck, that’s worth it!” But when I add up 10 dinners out, suddenly they don’t seem so worth it. Mr. As long as you aren’t building a 100SF shower or something really unusual. I guess I could do the divot method, but I want to try to copy the uber-simple MMM method. Throw a nice little mosaic strip and bam, looks awesome. I didn’t realize that it was so old so it would make sense that a lot of it would seem dated. December 19, 2012, 5:54 am. It looks that way from the pictures, but wasn’t mentioned. It must have been quite a thrill for him, starting that movement and rolling it along for so long. About three 80lb (36 kg) bags will do a 32″x48″ shower. December 19, 2012, 6:01 am. And not feeling trapped suddenly makes the job a lot more bearable. It was a “luxury shower” built almost 20 years ago, but it didn’t even experience 20 years of constant use. I like kerdi boards better though – true waterproofing but more expensive. December 19, 2012, 8:35 am. Our shower is about 30 percent wall and the rest is (plastic) window. I’ve always loved construction and have gotten many a book from the library to learn about building houses. Mr. Money Mustache “Wow, I love the little shelf you put in there. Dirk Haagenson It was just an interesting point that stuck with me. Since my house might be prone to this, should I consider running the heavy grade vapor barrier up the wall before pouring concrete and troweling on the Redguard? I have the CC account setup to automatically pay the statement balance every month. MMM, 80% of the mind blowing part of this book is that you can put the information in front of you in a way that allows you to align your money plan with your ideal strategy. The problem is, if I don’t track things, it’s too easy for fraudulent charges to be added. Yes, Vicky revised the book in 2008 and it is quite different, updated and easier to read than previous versions. As of today, there was not one copy of this book available to loan at any library in the state of Colorado. 8: Watch for the Crossover Point I’m surprised to hear you JUST read it. I lost my primary car key. Tile Elf I think a reinforced wire mesh may be good to add in the concrete floor. I could easily pay with cash on hand and not notice the difference.Then it occurred to me that if someone told me I could have a new key fob if I came in to work on saturday for 4. hours – I would laugh – my time is too important to me to spend it at work on a Saturday just to skinny down the key fob…. Any idea about glass? The tile installers I know still do things the old way and some might scoff at the innovation. I’m not sure that stating “I’ll never work again for money” at the age of 30 makes sense to me. This is awesome! Today I’d like to share them with you, in case you too are unfamiliar with the book. October 13, 2013, 7:26 pm. Of course, it spawned an acceleration of technological progress, giving us things like remote working and energy-efficient products. I thought it was a guest post at first. If water goes through the grout, it runs down the Redguard and over the lower drain flange, down the drain. At the rate the fed is printing dollars, inflation will raise its ugly head. But when trying to find out more about Joe Dominguez’s life, I couldn’t get over one sentence in his obituary: “Officials said he was survived by no close relatives.”. 3. Their take is basically that, while the average prices you’ll get if you just wander into the supermarket or a department store and buy things will tend to go up, careful shopping (buying loss leaders or perennially inexpensive staples at the grocery; buying used when possible and waiting for sales when a new product is the right one; carefully considering the pros and cons of hobbies that require expensive equipment) can mitigate a lot of the rises. To start optimizing your money, Mr. Money Mustache suggests that you look at your day to day life when it's not a vacation or the weekend. Mrs. For most people, this yields an unpleasant surprise.. but it’s okay, for there is no sense beating yourself up over past mistakes. I think another great aspect of the book was that intial tracking journal because it makes you realize how much we recieve that we usually do take for granted be it gifts, samples, coupon savings, etc. Plus, Squire shares some personal finance tips … That’s you, MMM! I guess it does not really matter that much if you are doing the new method, but check local codes. While it is still possible to retire on bonds, I consider an over-50% reduction in investment returns in exchange for “safety” to be too high a price to pay. The only thing it would cost me is time. Of this I paid an estimated $1.3 million in work-related taxes. IMO, YMOYL is one of the greatest books on personal finance and financial independence ever written. It would be virtually impossible for this design not to be watertight, as long as you do tidy work. You mention you isolate the contretemps from the plywood with the roofing paper. Also, some areas may have a tool library where you can borrow tools…..doesn’t hurt to look because the cost of tools can add up. Americans kept working more so they could borrow more and buy more, we grew much fatter and less happy, and generally continue to live our lives in the most blind and inefficient way possible on average. I would say that everyone should read it for themselves – they explain why they have developed each of the nine steps and one line description for each (no offense, MMM) doesn’t really paint the full picture. Even better info can be had at the John Bridge forums online. Would we spend it wisely (pay down long term debt or winter holiday)? This really is going to work and look wonderful. I suggest your readers also consider reading two other classics “Millionaire Next Door” and “Random Walk Down Wall Street.”, Mr. How did you attach it to the plywood sub-floor (tape, glue)? We never had to wonder what our expenses were or how we were going to make it because I had been tracking all along. More about the authors of Your Money of Your Life: http://www.pbs.org/kcts/affluenza/show/joe.html. I also read this book when it first came out and LOVED it. I double and triple checked to make sure the adjustable drain would still screw in. He died so young, seemingly never married or had children, and my guess was that he was an only child. Sure sometimes it’s fine. Well done. If you think you are hardcore enough to handle Maximum Mustache, feel free to start at the first article and read your way up to the present using the links at the bottom of each article.. For more casual sampling, have a look at this complete list of all posts since the beginning of time or download the mobile app. I loved the way that she travelled around visiting with folk rather than staying in hotels. I spent over $1.3 million (average over 27 years after graduating collage was about $46,000 per year). reader from the rockies Does that in any way complicate matters? Here’s where one of the most significant differences pops up between YMOYL and MMM (and other modern takes on financial independence). As for “everything will fail in a matter of time” – I’m not so sure about that. The key to this whole deal is a feature called the “poured showerpan”. I think I’m doing most of those steps, but I always like to get a “refresher course” and a fresh look at things I’m trying to accomplish. January 2, 2013, 8:39 am. My wife and I are probably going to make a custom shower in our house this week. Ever figure this out? Like others, I can’t believe you hadn’t read it by now. Just another example of the wonderful synergy between practical skills and financial independence. My Wife and I had this conversation yesterday as a lucrative opportunity came up to work up north for easy $$. I use a spread sheet and track heavily for a few months. December 20, 2012, 9:39 am. Like poly behind the CBU or something similar. Headed Home 5. The latter seems easier and “safer” to me (I’d worry about failing to achieve even coverage with a liquid product), but maybe I’m just being a wussypants…, Schmidt [ok, you may say it’s too pricey for the MMM budget, but doing it now sure beats the expense of flying back out in the future. Can’t wait to do an oversized one in our master. This looks great but i fear it is out of touch for someone who is as unhandy as me – I don’t even understand how you built the form – I don’t see the screws you mention. For as long as I’ve earned money, I’ve been a “how many work hours is this X worth?” buyer. At least then I, like you do now, would understand where the movement started. It was start of my financial education. July 15, 2013, 5:57 am. Ooh, ahh.. looks cozy, doesn’t it? Putting in a garden door? And index funds, I-bonds, Roth IRAs, and Roth 401Ks have been invented during my adulthood. Johnny @ Our Freaking Budget If it was a Super Walmart I would be in heaven to have such quick delivery service! I would agree that CPI has probably grow disproportionally to what *I* consume, but I cannot believe it simply will not be a factor. maybe we will have to just go with the shower tray thing. Bye-Bye Dave, Hello Mr. Money Mustache! Frugality, and the smart use of money always wins in my book. I’m in Western New York and it gets rather cold in the winter. Thank you for the great and inspiring article! With only 6 years in the workforce so far (most of which has been completely tracked by mint), I feel a monthly spreadsheet coming on with this one… This is sure to be interesting. My personality type is a bit on the orderly side, so I like being organized and starting things from the beginning. September 2, 2013, 4:31 pm. In one month, I’ll paint the whole bathroom with that red stuff and take a class on tiling. *FREE* shipping on qualifying offers. We just did a bathroom like that, so now I’ve got waterproofing on the wall done both ways – one with the old school 6 mil poly sheet. Instead of “save enough to get 80% of your income in retirement”, “save a million dollars” “Can I retire yet?”, this method makes it so obvious what you personally need to do. One big + for Moustage man is that he puts cementboard into concrete. It’s not waterPROOF stuff. December 20, 2012, 5:56 pm. I listened to an audio tape from her too. This is a huge tax on the middle class. The thing that scares me about concrete work is that if you mess up, you can’t fix it. Poured the pan bed this morning. Normal Topic Hot Topic (More than 15 replies) Very Hot Topic (More than 25 replies) Locked Topic Sticky Topic Looks lovely. My real hourly salary was actually depressing in the opposite way than was expected: it was much greater than my official hourly salary. My shower is a corner that is tiled on two walls and glass on the other two. Mr. Money Mustache You keep doing this for multiple months which will grow into multiple years. Long time reader 1st comment, booyah! victoria Also the existing floor is tiled with marble 12-inch tiles — could the concrete be applied directly onto this or would adhesion be a possible issue? And it’s information that I truly appreciate. It will have to be custom glass because the door is actually at an angle, so the glass will be three sides with the door cutting off the corner. I have the older version of that saw and have easily laid 1000 sq. Games like the Fable Series, have you buy houses you adventure past and rent them out for passive income as you adventure on to kill baddies from town to town. It’s a good tool, but it’s not enough. continue to advance(“That used to be us” by Thomas L. Friedman, the short story Manna by Marshall Brain http://marshallbrain.com/manna1.htm), the crossover point isn’t what we should stop at. Thanks, Mr. Money Mustache Yes, do not even look at expensive stuff membranes as Schulter etc. Thanks again for a thought provoking and very useful post! And, as a side note, I had to laugh that you thought you had read the book but had actually never had- I’ve done that before, too! 3: Create Monthly Reports for Yourself It’s a fantastic motivator! I am in the process today of demolishing an old school shower built this way — concrete pan, rubbery/vinyl looking liner, tiles, etc. I also enjoy and recommend the classic “Millionaire Next Door” like another commenter mentioned. I am in the final days of competing my shower remodel and your method was the one of choice. So imagine what a big group of people could accomplish, some of them with influence over companies and governments, if they all started grooving on the right message. Did someone else write that, or are you talking in the third-person? Your Money or Your Life is a wise book, and the authors were clearly motivated by what they saw was a pointless death march of society. To track this data they recommend a pencil and paper, but in our tech-savvy times it’s easily done in a spreadsheet (I use Google Docs). December 19, 2012, 2:29 pm, Freeyourchains Lots of different strategies once the information is laid out clearly. Hi there MMM, Looks like I’ll be adding another book to my “Seriously, I’ll read these this year, unlike last year… and the year before ” list. Pop @ Planting Our Pennies My only modification was to use the existing drain – this meant it was flush with the plywood subfloor. 1) Regarding a straight, single-threshold shower, is it necessary to pour a concrete curb? Jane Savers GE Miller Sounds like a great read! Enjoy your stay in paradise! I like the look of glass but have had a terrible time keeping it “clean” or keeping the calcium deposits off of it in every house I have had glass before? After the concrete cures (technically 28 days but it’s a half-life process so it’s almost done in less than a week), you have a solid chunk of smooth concrete that in theory will already drain water straight into the drain. You can even get married and have children and buy a castle at the end. You gave me a great idea on the ledge instead of buying some expensive soap holder tile piece. If we were running a tighter ship, then changes in the price of eggs or heating fuel might indeed cause an unpreventable increase in our spending. Moustage man is doing my way. You have to start the snowball somewhere! I also did my own shower with a poured pan. This is not usually necessary, I just find it really fun to make strong concrete things. 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