As the title says, my divorce came through about 2 weeks ago and I am starting from the bottom rung again. I haven't got any property, and my assets are limited. What prompted me to grab this with both hands is that around that time my eldest daughter gave birth to my first grandchild so it's helped me to focus on the future. submitted by
I currently live with my parents, as during the week I work away from home and have a rented property near my work. It's nearly 2 hours away from home so commuting isn't an option (plus the client pays an accommodation allowance so not all bad). I do plan to buy a house within the next 5 or so years so that's my short term goal but whilst I don't need to I'm building up my assets.
I've been earning average income for the past few years (about £33k). During my marriage I was very limited to what I could do money wise. The wife would rarely contribute to household expenses, and would spend rather than save. I tried to get better paying jobs, but security was preferred over higher income. What little money I had left over I tried to save, but more often than not had to liquidate any investments in order to pay for essentials - like a car repair or replacement washing machine etc. We rented, as neither of us were in a good enough place financially to get a mortgage.
Now, as I'm not having to answer to her and being free to do what I want (within reason, we have a 11 year old daughter) I'm in a job earning double what I got in my previous position. Although I'm a contractor, I'm needed for the length of the project which is at least the next 2 years so I'm taking advantage of the boost in income. And thankfully during the lockdown they still paid me, as it would cost too much to get a replacement in if I did leave. For the last year my priority was paying off debts, I still have some (about 10k) but much more manageable than they were this time last year. I could pay everything off in the next 6 months, but I think it's time I started preparing for the future. The way I see it, if I lost my job in a month I'd have no debts but limited or no resources to feed myself. But if I start following more of the FIRE philosophies I'll at least have covered expenses for a few months if the worst happened. I've been a follower of MMM for a few years, haven't always agreed with what he says on some subjects (Cryptocurrency for instance) but I feel I'm ready to start putting FIRE into practice.
The two things I'm looking to concentrate on right now are emergency expenses and investing. What I have in place right now is a Moneybox S&S ISA which I intend to use for emergency expenses. For those not familiar with Moneybox it rounds up the pennies for expenses in the bank account to whole pounds. As well as this I do a weekly top up and a payday top up. Approximately £150-200 per month, current value around £600. I also tried to invest in the FTSE 100 with the spare change I had, and used a Halifax Sharebuilder. I put in around £30 per month and each month picked a new share from the FTSE 100. I'm about £960 in and probably about a third of the way through the FTSE100. Thinking about it I should have invested in a tracker fund, but hey, it's been in place for a few years and it's made me put money aside so not all bad. Right now most of it is red, but I put that down to the current economic climate and I'm in it for the long haul so at the moment it doesn't matter.
I've dabbled in Cryptocurrency. I work in IT and I've always been very much of a geek, so it comes with the territory. Mostly proof of stake coins, but early in the process more 'traditional' proof of work coins such as Bitcoin and Litecoin. Somewhere I do have a few hundred Bitcoin but can I find the seed phrase I wrote down? If only I'd emailed it to myself! I'm a lot more organised these days, and probably hold £2500 in a mix of different coins. I monitor the price weekly and react if I see a trend but mostly leave this untouched.
I also have some premium bonds. Probably around £500. I only started collecting them last year, so far no winnings but again I'm in it for the long haul so I'm looking at the average returns. If it makes me my million then so be it, if it doesn't win anything at all then I'll revisit it but I see it as something I can quickly liquidate if I need the money.
If I had to liquidate everything tomorrow, I could probably support myself for 3 months. I want this to be at least 6 months, the end goal to cover potentially 30 or more years of retirement.
My budget does have some things I can't avoid, such as paying rent twice (a token amount at home but market rates for work, probably around 1000 in total). The accommodation allowance mentioned above is sufficient to cover the away from home element and more. There's feeding myself, a couple of streaming services and Xbox Live (essential for my mental health when in a 1 bed flat during the work week), car expenses (I have a Skoda Octavia and regularly exceed 50mpg, 70+ on A roads) and the finance and associated fuel and insurance costs for that, and some ad-hoc expenses as they arise such as clothing. Overall I could live on 60% of my salary, the more debt I pay off the better that gets. What's helped here is my obsession with Excel - I monitor everything. I go through bank transactions and enter every penny into a budget planner, so I know where I am. And those budget figures I use in YNAB to keep a day to day eye on how I'm doing, so far it's been quite accurate at predicting what's coming out and when.
I know it's going to be difficult, starting so late. But has anybody else been as late to the party as me, and if so how was it for you? Any tips? I'm happy to elaborate on any of the above if I need to.
Chapter 1 Chapter 2
Good morning. It is currently 9 in the morning, and I am just finishing up my coffee at a local shop. I always get the same thing: A large iced coffee with 4 ice cubes and 2 packets of sugar. That concoction makes it the perfect temperature to enjoy.
I tend to do everything by routine, because I like to think it makes me more organized if I do it that way. Life is just a whole bunch of patterns someone has yet to figure out.
I was looking more into Jason’s assets and accounts. I came across something that made me laugh. He has been paying Kiley $1,000 every week. So from my observations, Kiley looks like an escort.
I think that this is helpful, because now I know that she doesn’t have a trustful relationship with him. I mean the money was being paid to the website to hire escorts. I really don’t care about Kiley though. She isn’t important to the game anymore.
I have to go to work in about an hour so I need to finish this up pretty quickly. I wanted to make the process of fucking with Jason long. I went on the dark web for a minute to see if I could come across a device that could withdraw money via ATM from previous accounts that had been connected to said ATM.
If that made any sense, my plan would be to buy this tool, and steal money from Jason’s account. I know I used bitcoin for the last one, but I thought this would be more eventful. I wanted more hands-on experience if you know what I mean.
I forgot to mention that I saw that Jason had a permit for concealed carry, so I need to keep this in mind.
After searching on a couple of the markets that I have accounts with, I finally came across it. It was around $200. I just went ahead, and used the funds that were already on my account to purchase it. It says that it ships domestically, so it should be here in the next few days. I will continue with this update after I get done with my shift.
I have just finished my shift, and I'm exhausted from how pestering my boss is. That prick just loves his sales quotas.
I got a confirmation letter from the vendor to my private email saying:
Your purchase was confirmed and the shipping process will now begin … thanks for doing business.
Fantastic! Now we can get to the fun part. I wanted to look more into his odd transaction with a car wash in Florida. I looked up the car wash, and it was only 2 miles away from Jason’s vacation home. I went ahead and called.
Some women picked up, “JJ’s car wash … how may I help you?"
I replied with, “Good, good. I was just wondering if I could get in contact with the owner? I wanted to come over, and do an evaluation on the value of the land … Is he there right now, or could you possibly give me a phone number to reach him?”
She hesitated, and said, “Uhhh, I'm sorry, sir, I'm not really sure if I can give that info out. Let me ask my manager.”
I interrupted her with, “No, that won’t be necessary. Just give me his email, and I’ll send him the information myself. Thanks.”
She said, “Sure … it's [email protected]
I hung up saying, “Thanks so much for your help. It means a lot. Thanks.”
Some people are just so oblivious to the world that they’ll believe anything they hear. Well, I guess I shouldn’t be complaining because that email is the same as Jason's. He owns some little car wash near his house in Florida. I wanted to look more into this, but thought that for right now it's a waste of time. (Added "that". Apostrophe on "it's", because it's= it is.)
Well, I went ahead and drove over to the nightclub Jason goes to every Wednesday night to see what he was up to there. I disguised myself as much as I could. I mean there were a lot of people here so no one would notice me unless I was face to face with them. I had a hat on and a hoodie. I just looked down at the floor as much as I could. I followed Jason in after he arrived with his driver. He went upstairs where VIPS are only allowed. I kept an eye on him for a while. He then disappeared to a back room which had me curious. I needed to figure a way to get upstairs without anyone questioning my authenticity. I went to the back room where I guess the staff gets ready. I found this work shirt that was black and an extra pair of pants that were a size too big. I had a belt on me so that wasn’t an issue and I put on the clothes and now I looked like a waiter. I went to the bar and said I needed 6 “on the rock” martinis and handed her a tray to put them on. She asked, “You work here?” I said, “Yeah, new … these are going upstairs so make it quick.” She nodded and proceeded to make the drinks. She handed me the tray and I carefully made my way up to one of the security guards at the stairs. I looked at him and said, “These are to go up to Mr. Peterson?. He looked at me up and down and waved his hand towards the stairs allowing me to go. I walked up the stairs with the tray in my hands and walked through the back door that Jason had recently disappeared to. I saw a few ladies that were all intoxicated and a couple of men sitting on the couch. There was a nice electric fireplace next to a computer desk that wrapped around the corner of the room. It was a decently big room with a minibar as well. I walked over towards the men. I said, “Excuse me gentlemen but, I have 6 martinis ready to drink in my hand.” I could tell that they all have been drinking because of the way they were slurring their words. Jason spoke up and said, “Perfect thank you … here’s a tip” handing me a $100 bill
I took the money and pocketed it saying, “Thank you .. if you need anything else please call down to the bar.” I walked out. That room was soundproof as well because when I walked out my ears were rushed with loud music from the dance floor. I saw another door to my right and my curiosity peaked and I walked through. It was this long hallway and a little red sign saying “Exit”. Nothing special here so I just walked out back downstairs. I went ahead a walked over to the security guard and asked him something, “Which one of those guys is the owner?” He replied with, “You should know this … Mr. Peterson just took over ownership a few weeks ago.” This caught me off guard and I said, “Oh right … thanks.” I was mind blown because of how many properties this guy owned. Where was he getting all of this money … I mean I know that he owns a security company but, 2 houses, 3 companies that all pay in cash, a personal driver, large bank transactions. All of this wasn’t adding up. I went online and did some research.
I have the suspicion that Jason is laundering money through his businesses. I don’t know who he is cleaning money for but, it’s probably someone who doesn’t want their money fucked with. This could be an issue because if I fuck with Jason’s life and his financial situation that someone else could be looking after him. I don’t fear anyone will find me because I make sure I do everything very securely. I should be getting the atm snipping tool soon and hope to make a move on Jason and uncover his dirt. I’m getting excited just writing this right now knowing that I could possibly ruin not just Jason's life but his whole operation. Before I do begin my adventure I need to make a couple of precautionary steps. I logged onto the dark web and found a trustful hacking service. I would never hire someone to hack unless I didn’t have the skills to do the task. I mean if somehow I turned up dead my plan would still carry out. So I found someone who could “ruin” his life. I’ve been chatting with him now to see what type of services he offers and I found one that fits my purpose. I also told him I wouldn’t buy unless I failed my game, which means death. He understood and told me how it would work. He said I would need to put the money in escrow and I told him if I don’t respond within 2 weeks that the money will be sent automatically. By putting the money in escrow it means I can’t take it out and he can’t accept the payment unless all conditions are met with a third party. I set up a zombie computer to be the third party. Usually the vendor or market your on will have an escrow system but, I wanted to make sure that he would certainly get the money if anything happens to me. So I set the zombie and sent the escrow away. The payment was $600 to do whatever was necessary to either ruin them financially or put them in jail. This hacker could make them be known as a child porn user by encrypting his computer with files that would have him arrested. I was thinking of this option or go to a darker market which would put a price on Jason’s head.
Now that this was all set up I could move on and take Jason’s money. I watched him after work for a few nights to see if he would use an atm. He was at a little food market having lunch and used the atm to withdraw $40. I know this because my little tool tells me. So I watched him from across the street to see when he left. He left after eating and walked back to his car where his driver was waiting. They drove off and I waited about 5 minutes before doing anything. Atm machines have cameras so I needed to cover my face before hacking his account. I checked which account he withdrew from before going inside since I had access to his computer passwords. The account he used had approximately $12,000 in it. I knew going into this that I would only withdraw a couple thousand because I didn’t want the bank instantly freezing his account even