About a month ago, I realized that May 2021 marked 10 years in my corporate career, since graduating from University. This thought sent me into an existential spiral – am I going to continue the same path for the next 10 years? Is it possible to change my path?
Don’t get me wrong, life is great. So is work. But I don’t want to do the same things for the next 30+ years. I figured this is the right time to declare a purpose for the next decade: focusing on what really matters.
While I don’t particularly care to celebrate the ’10 years in corporate’ milestone, today now has a new meaning. After lots of research, reading and working, the money with a view blog is finally LIVE!
The girl behind the blog
I am Miss Views and I’m the girl behind the money with a view blog.
I’ve had the idea of creating a blog for probably over a year. What took me so long? Here are some key words I’m sure are no surprise to you: fear, self-doubt, perfectionism, busy… see? I’m really good at finding excuses.
But it’s okay – we got here after all and I’m so glad. Turns out building a website is really fun and I love that it allows me to be creative. I have so much respect for all the bloggers out there! This is hard work, and I’m only just getting started 🙂
I grew up in a small town in China. After finishing high school, I flew 10,000kms and moved to Canada at age 18.
My parents grew up in the midst of the Culture Revolution era. With strong high school scores, my parents found their way into the corporate world at 18 – where they worked for the next 40 years. Although they missed the opportunity to attend University, they knew how important education is and paid for my University tuition in full. I graduated with a Finance degree 10 years ago and started my own corporate journey. These days, I work full-time as a Business Consultant in the financial services industry.
My parents were extremely hard working; they dedicated their lives to working, looking after our family and everything in between. Unfortunately, my dad passed away at age 55 due to cancer. In China, the retirement age for men is 60. My dad had talked so much about what he hoped his life would look when he retired, but he never got to enjoy a single day of it.
I’ve clearly given a lot of thought about the meaning of life since my dad’s passing. For me, living my best life is not only for me, it’s also to honor him. I truly can’t think of a better way.
My life now
I’m 33 and live in Toronto, Canada with my other half, Mr Views. We’ve been together for 3 years, and currently don’t have kids or pets but hopefully will some day.
Toronto is considered one of the most expensive cities in Canada. According to the Cost of Living Index by City 2021, Toronto is ranked #143 for the most expensive city in the world, and #42 for the most expensive city in North America. Despite the costs, Toronto has a balance of ‘hustle and bustle’ and amazing outdoors nearby. We love it here.
I don’t know if it’s dumb luck, but despite that Mr Views and I grew up in very different cultural backgrounds, we share similar values and goals in life. We’re both naturally frugal. So talking to him about FIRE (Financial Independence, Retire Early) wasn’t a difficult subject. We don’t count pennies, but we do spend our dollars with focus and intention.
The next decade
Brb, *bringing out my crystal ball*.
I wish! If the past 10 years has taught me anything, it’s that life rarely goes as planned. So here today, I want to share some guiding principles for the next decade for the money with a view family, to help us figure out what really matters and focus on those things. This is to ground ourselves to not let the nitty gritty of the daily lives overrule the bigger goals.
My goal is to become work optional and reach financial freedom by 2030. This is a Personal Finance blog after all. Fortunately, retirement is just a number, and numbers are awesome. Based on the knowledge, resources and calculators available online in the FI community, I know this is possible. The most difficult part of the journey is discipline and patience.
Love or career – which is more important? Love. A career doesn’t give a shit when you die. – Mark Mason
Blunt, but true. I’m forever grateful for how hard my dad worked to put food on the table, but I would much, much rather he stayed longer with us.
If having a family in the future delays our plans to retire early, so be it.
Never stop learning
I can’t believe how many self-destructive things we can say to ourselves. These are some of the things I’ve said to myself in the past months: I’m not a creative person, I don’t have what it takes to do this, it’s too late to start, who am I to write about personal finance… I can go on. Yet, since I started my @moneywithaview Instagram account, I can say I genuinely enjoy the process of creating content, tracking our journey and interacting with like-minded people. I’m now in a whole new territory of writing a blog! I never thought I could do it, yet here we are. All it took for me was a curious mind, and talking myself out of the negativities. I hope we never stop learning and never stop improving.
Of course, by learning I don’t mean just new skills. Confucius said it the best:
By three methods we may learn wisdom: First, by reflection, which is noblest; Second, by imitation, which is easiest; and third by experience, which is the bitterest. – Confucius
Please say hello!
I can’t wait to get to know you as I continue on our journey. I’m also super pumped to meet new friends! Feel free to comment, or click on Contact me for more ways to reach me.