Financial Independence may only exist once we get there

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dreaming-male

A World Where Anything Is Possible

I won’t lie and say that I have never thought about what financial independence in my life would be like, because I have. Not everyone allows their mind to wander into the future or an imaginary place where dreams can come true, or at least if for only that moment they are. It takes us to a happy place where our world is a capsule in time that we create and where we feel safe, cared for, loved and at peace with the world.

Come dream with me

Lay down in a comfortable quiet space, draw the blinds, close your eyes and come dream with me for a moment. Follow me gently to another place where I can script the next chapters of  my life, in my mind.

There are times when I’ve spent the winnings of a Lotto Max lottery that I fictitiously won in my head because it seemed more visual than it ever would be. A dreamer I am, that is me, yes, especially with the odds of winning with my eyes open, back on planet earth.

As I silently engage your thoughts with mine and walk you through my journey of supposed financial independence, a world that is only seen through my eyes, I hope you can see what my dreams are made of. This is a song filled with notes of elegance and beauty which only some will ever experience in their life-time.

Come with me for a moment, hold my hand and listen to the words that stem from my heart as I express the visions of beauty of what financial independence will bring to our lives.

In those moments after learning about my lottery win I’m ecstatic. I see us driven down-town Toronto to pick up our winning lottery cheque as our hearts beat feverishly. We’re on stage holding this massive cheque worth millions with photographers blinding camera flashes in our eyes, but we did not care. We are still warming up to the thought that we are Ontario’s newest millionaires. Our world as we once knew it was now shifting to a spectacular place that only few ever get to experience.

After we finished conversing with the media who were all so very welcoming we were led to a room to sign some paperwork. Those tense moments ended as men in black suits whisked us away to the limousine waiting for us outside that we hired. Not everyone gets to “Imagine the freedom” more than once in a lifetime so going all out seemed like the right thing to do.

Our world changes

As we laugh out loud joyfully sipping champagne, listening to music our smiles turned to serious facial expressions. We begin to talk about how life as we know it will never be the same. How will our world change and will we be able to survive what lies ahead? Will money change our world, our love, our lives? Only time would tell how we let money challenge the path we were now given to walk.

Heading back to our house we felt like A-list movie stars and talk about where to go moving forward. We have millions of dollars but we need someone to help us manage this money. That’s the stuff most people push aside to let others deal with. It’s one of the most important steps of gaining financial independence before and after accumulating money because you are the boss of your life.

Moving forward we decided that we would finish renovating our current home and put it on the market so we could sell it. The plan was first to have our new custom-built estate built by one of the best builders in the area. Here is where the dreams get more intense because we sometimes want what we can’t have and believe that until we have wealth and power that there is no other alternative but to keep on working to the end.

For some it’s a dream that motivates them and pushes them to work harder, play harder and give life all they’ve got. That’s not always a bad thing until your world gets wrapped up in something that is far from reality especially if it’s clear your path is ending.

Come on now, hurry along, we don’t have all day.

Visions of beauty

Our new homestead will be our haven, a safe place of eloquence and beauty, a reflection of us and how we envisioned our lives to be if we were successful and rich. We define each space with the utmost of detail because it’s a place where we will build memories that will last us a lifetime.

Our 4 car garage wraps around the side of the home and my man cave is every bad boys dream. It will be a place to house the many new cars we would be buying as well as tools and other home maintenance equipment. There will be land as far as the eye can see with landscaped gardens so beautiful you would be hard pressed to find us indoors during the hot days of summer and cool winds of spring.

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The gardens

The back gardens would be adorned with bright-colored flowers, shrubbery and a living wall with greenery that captures the essence of summer. Surrounding the outdoor living space the patio will be made of the best natural stone available to man.

We would host many backyard barbeques with our friends and family so only the best outdoor furniture complimented with soft pillows and an over-head umbrella will do. The space will be fitted with a European stone fireplace and salt water in-ground pool, water features and beautiful retaining walls that light up the sky at night softening the romantic feel in the air

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Comforts of home

When the chill of the evening brings us indoors we can easily slip into the heated indoor pool or relax in the theatre room with our custom theatre seats and Dolby digital surround sound theatre experience. Our kitchen with built-in appliances, dark cabinets, granite countertops and plenty of work space is fitted with a full walk-in pantry to finish off the space. Over to the side a full eat-in dining area with plenty of sunshine beaming in from the large windows during the day that overlooks the back gardens of the home. It’s the heart of the home and an elegance our home brings to all that enter.

Each room has been created with an open space adorned with 10 ft high ceilings and large windows so the natural light streams in constant flow during the bright morning hours until sunset. The space is decorated with only the best mid-century furniture mixed with modern-day accents which bring a historical yet lively feel to each room you enter.

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The love nest

As we retreat to our love nest oasis while walking up the white and dark hardwood spiral staircase with wrought iron banisters we admire the paintings from local artists on our walls. Enjoying drinks and dining out with our friends at the local country clubs and museums have introduced us to a myriad of artistic creativity which we purchase to enhance the beauty of our home and bring it to life.

Upon entering through the double doors to the master bedroom we gaze in delight as we overlook the large family room below. Getting ready for an enchanted evening we wrap ourselves in the beauty of our walk-in closets which hold all of our precious clothing and accessory purchases from our travels around the world. A cool breeze fills the room from the large open windows overlooking our estate’s back gardens layered with a beautiful lounge and swimming pool area.

We spare no expense when it comes to looking good and only the best will do. Our maid ensures that our home is clean and our bed always has crisp sheets to lay our relaxed, toned bodies that were massaged in our private in-house spa.

We never have to ask for clean towels that smell of the flowers that bloom all summer-long. A fragrance that would make anyone gently lose themselves. Our counters have vases filled with fresh flowers to create the ambience of the moment so we feel as if we are in a sea of paradise.

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Romance

Ending our night in the en-suite bathroom jacuzzi filled with bubbles and equipped with a flat screen television and a fireplace finishes off a hard day. Living the life of a couple that has won the lottery and who are now financially independent.

Life does seem stress-free with no bills to worry about because we have no mortgage and only pay month to month debts. A weight has been lifted off of our shoulders and we have been introduced to a world of luxury, peace and beauty. Then I wake up, and you should too because financial independence like this is only a dream for us.

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Waking up

Yes, it’s time I wake up from this dream because it’s just a dream of a life that is only a figment of my imagination. This likely might not be us but sometimes having all the luxuries of life is what most people believe it takes to be financially independent and happy. That simply depends on what your goals are.

If this is the life we desire than it’s up to us to make it happen with hard work and a success that fills our bank account with money. It’s also likely another reason why we like to visit open houses, especially those houses that are far out of our budget range. Looking at décor to get ideas is one thing but living the life of luxury is another.

Accepting functional over fancy sometimes is the optimal way to go for some just so they can reach the financial freedom that they crave so much. Success is not made just of money and stuff it also should be a desire to live a life that is realistic and in line with our goals and objectives. My dream is as far-fetched to most as believing that Santa Clause is for real.

Financial Independence

Financial independence to us means that we owe nothing to anyone, that is our true freedom. We would be able to comfortably say that we can manage day-to-day finances without getting up in the morning for work. Of course we will no longer have a mortgage but we still have to maintain our home and our lives. Making sure that we have enough money means we continue to budget our finances and build our retirement investments  while keeping up with inflation is important to us.

If we knew what the crystal ball was going to tell us about the future than maybe we would have a more concrete outlook but that is not the case. We do know that when the times comes to retire whether we retire early or not we want to have enough money to allow us to travel and enjoy life to the fullest.

We’ve talked numbers before and provided that inflation doesn’t suck every penny from our being we’d be happy to live comfortably on an middle-upper class yearly income of $70,000-$100,000 a year (I know the numbers shocked us as well). This could all change as do most things in life depending on what path we follow when we reach the fork in the road. Wouldn’t it be nice if everything went as planned, even the budget? Even that has to be tweaked and so should our plans for the future.

We could live our lives on current and historical trends but like anything, that is always a risk. Personally we don’t like to put all of our eggs in one basket so keeping our eyes and ears open seems to be the best way to go for now. Travelling the world is on our long-term agenda and if we do have a child we hope to be able to guide him/her financially so he/she can work towards financial independence.

You never know what the future holds, but if you live in a dream world you may never reach financial independence. I honestly can’t tell you when it will be time for us to hang up the towel and say good-bye to our careers and move on to the next stage of our lives as a financially independent couple. What I do know is that time may only exist when we get there.

Happy 4th of July, Independence Day to my American friends.

What does financial independence mean to you?

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