Most people live a deferred life.

Last week I told you I had $750k by 27 and a straight shot to financial freedom.

This week I'm explaining why I walked away from it - not to make less money, but to stop postponing a life I’d never want to retire from.

The FIRE Trap I Fell Into

FIRE = Financial Independence, Retire Early. Save aggressively, invest wisely, escape the rat race by your 30s or 40s.

When I discovered FIRE at 22, it felt like finding a cheat code to life. I was making $92k at American Express with a micromanaging teammate who made me want to quit daily. FIRE promised an escape route: just optimize hard enough for long enough and you're free.

Having freshly experienced the realities of corporate, I went all in. Maxed my 401k. Tracked every expense. Interview prepped hard and got into Google for $226k, then $350k. Lived below my means. Watched my net worth climb from $140k to $750k in five years.

My favorite procrastination activity became browsing r/financialindependence success stories. I'd calculate compound interest for fun. I knew exactly when I'd hit $2M (age 32), $3M (age 35), and my budget and expenses for different scenarios if I lived in different areas of NYC.

But on certain days, I would seeing strange posts pop up time and time again:

"Just hit FIRE. Now what?"

These people saved for decades. Optimized every expense. Hit their number. Then sat there wondering what the hell to do with themselves.

They'd spent so long planning the escape, yet never built a life to happily retire into.

And I was on my way to the same fate.

It took me months of anhedonia at Google to finally realize I wasn't "delaying gratification" or "being strategic" - I was delaying living.

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The Eight-Year-Old Test

Eight-year-old Jim had big dreams. He wanted to be a YouTuber (before YouTube was big). He wanted to make enough money that Mom and Dad never had to worry again. He learned that his second-grade teacher told Mom that he would be somebody. For some reason, Jim never forgot that.

Because behind all his shyness and awkwardness, eight-year-old Jim was a dreamer.

Almost twenty years later, Jim had $750k in the bank and a job at Google. His parents were proud. Society approved.

Eight-year-old Jim would've been confused as hell.

"You have so much money! Why aren't you making videos? Also, you were too late - Mom and Dad already bought their own home! Also, also! What happened to being somebody?"

Between chasing approval, fear of failure, and FIRE optimization, I filed these dreams as unrealistic distractions.

Start a YouTube channel? Too risky.
Build a business? Might fail.
Try a startup? Pay is too low - compound interest, bro.

To be clear, my issue isn’t with FIRE; it’s with how I, and many others use it.

Because here’s what happens if you're not careful:

• Instead of asking "What do I actually want to do with my life?" you ask "How do I not have to work?"
• Instead of asking "How do I achieve my dreams?" you ask "How can I hit financial independence faster?"

If you do that, then optimizing for financial independence turns procrastination of life design into being "smart" and "disciplined".

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Avoiding the Trap

"There are only two people whose pride should matter to you - your 8-year-old self, filled with dreams, and your 80-year-old self, filled memories."

I documented my third-life criss online for one reason: awareness. To show what’s possible.

And the reason why is because awareness is what drove all my transformations.

Awareness that new grads were making double my salary is what kicked my ass into interview prep and landing Google. Awareness of FIRE got me to start being smart with money. Awareness of my honest goals is what finally gave me courage to post online and gain 250k+ followers.

This exercise brings your awareness not only to your goals, but to whether your path is one of autopilot or intention.

Step 1: Write Your Eight-Year-Old Dreams

What did you want before the world told you it was impossible? Be specific as possible.

Mine:

• Be a YouTuber
• Buy my parents a big house
• So much money that we'd never have to worry about it
• Change the world

Step 2: Write Your Eighty-Year-Old Regrets

What would you regret not doing? What would make you proud looking back?

Mine:

• Never taking a real shot at entrepreneurship
• Not paying off my parents' mortgage while they were still here
• Living an entire life ruled by fear
• Not spending enough time with loved ones

Step 3: Quantify What You Actually Want

Turn vague desires into specific targets. Don't be reasonable. Be honest.

My honest goals:

• Wealth: $10M net worth or $200k/month income
• Health: 175lbs jacked at 5'10", sub-3 hour marathon
• Freedom: Location-independent work, minimal meetings, complete autonomy
• Purpose: Work that aligns with my values and I wake up energized to
• Relationships: Always say yes to a family gathering

Step 4: Run The Math

At Google, saving aggressively:

• Years to $10M = 15 years
• Years to $200k/mo = ? (Highly unlikely)
• Risk = Medium (who knows where tech industry will be in 10 years)
• Health = Self-directed
• Freedom = Contingent on company
• Purpose = Unlikely
• Relationships = Contingent on PTO

Being an entrepreneur:

• Years to $10M = Possible in less than 10 years
• Years to $200k/mo = Possible in less than 5 years
• Risk = High
• Health = Self-directed
• Freedom = Self-directed
• Purpose = Self-directed
• Relationships = Self-directed

When I did this exercise, I realized I'd been hiding my real goals from myself for years. I was living in misalignment from my core values (self-actualization, truth, autonomy/freedom). I was miserable at corporate. And my parents were already in their 70's.

FIRE and Google gave me the foundation - $750k in savings, investment knowledge, and financial discipline. But they were never going to give me eight-figure wealth, creative fulfillment, or the ability to pay off my parents' mortgage while they're still healthy. Now I'm using those tools differently. Not as an endpoint, but as a launchpad.

If I genuinely fail or need money? I can return to a job.

That's why I quit.

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What Entrepreneurship Really Looks Like

What I can tell you is that entrepreneurship is difficult. You are either working a 9-5 and a 5-9 to do it or you're quitting your secure job to take a bet on yourself.

As someone who took the latter path, I'm making less money, working longer hours, and questioning everything.

But I truly believe in my vision of Escape Velocity - a life of freedom, wealth, and meaning that you never have to retire from.

In the past five months, I've broken countless limiting beliefs. I've essentially become a YouTuber but on short-form. And I've made money as an entrepreneur while in Asia.

And for the first time in my life, I'm building toward and searching for a life of my own terms. One that I don't have to retire from.

So I think eight-year-old Jim would be smiling.

See you next week, Jim

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If you'd like to continue reading:

• Unsure if you should quit your job? Read the Escape Triangle Framework
• Want to learn the fundamentals of building wealth? Read my journey to $750k at 27