Skip to main content

I Wish I Was At Camp Mustache

These guys are just fanatics, I used to think.
Camp Mustache Toronto - 2019
Photo Courtesy of Chris P.
Perhaps there are a few readers out there who were like me back in early 2019. I didn't comment or talk to anybody, at least not really. Maybe once every now and then. I had joined the Facebook groups long-after I had heard about them, everything from Mustachians in Practice to ChooseFI Toronto. I didn't really see the in real-life (IRL) community being all that valuable at the time. I am a tad ashamed to admit I just thought I was better than everyone else. My expenses were pretty low around 35k, what did I have to gain by communicating? Sure, I might comment every now and then and throw a lifeline to all these poor souls creating their own financial problems!

Now I'm a blogger, podcaster, meetup organiser, and small-business owner - heck maybe even one day Canadians will see me as a thought-leader if I so deserve it. So what changed?

Well I decided to put myself through a challenge - I am going to comment on every post I think I can add value to. If I think a response is needed, I'm posting it. There's no backing out. It's time to pull up my diaper and get over my fear of talking with others, the true reason I was being silent.

I figured out very early on that when I asked questions where I was a noob and provided answers to others where I was an expert, I began re-learning the things I was already good at and becoming much better at the things I sucked at. Allow me to illustrate:

I already knew that I had a good side hustle. Some of you might think this is cheating (and you would be gatekeeping) but my side hustle is simply working overtime at my main income source. I'm a truck driver by trade and I earn $26.33/hour. When I work over 80 hours in a given two-week pay period, my hourly rate is then to $39.45/hour for the remainder of the pay period. That's pretty decent money and this is why I argue your side-hustle should be lucrative and complement your existing skills and profession if you want to see extra dollars (and a lot of them!).

Anyways, that is to say I have my side-hustle nailed down. If we reflect on the elevator pitch of FIRE (which says we earn more, spend less, invest the difference) I've now got to improve on spending less and investing the difference.

This is where joining the conversation works VERY well. Once you participate, you'll find all sorts of clever ways to save money that you previously dismissed or simply never thought of. If my family told me about PayTM and funneling all your bills through one platform (RIP Nov 2019), I would have scoffed at the idea and to be honest I've heard of scams like this in the past. No thanks.

I'd be leaving hundreds of dollars on the table because my family who are notoriously bad with money suggested it. But when a fellow FIREwalker suggests it - hey.. maybe there is something here? The light inside my head clicks on and I somersault over my family bias and immediately begin to investigate and see what this app is really all about.

I've gone through the same process with Public Mobile, ultra-low cost ETFs, and financial planners as a few examples. Instead of just dismissing the stigma behind discount phone plans, passive investing and expensive advice respectfully, I should instead toy with the idea because people just like me are suggesting them. If they see value where I cannot, I have to recalibrate my eyes or squint harder.

So I wish I was at Camp Mustache Toronto this year (2019) because not only did I miss an opportunity to connect with my tribe in real life but I lost the potential to save even more money by meeting with others. There are over a thousand members to ChooseFI Canada right now and I'd say less than 50 members post on a regular basis. Not every attendee at Camp Mustache bothers with online forums, or at least not my preferred location. Imagine all that wealth of knowledge and experience just waiting to be tapped so I can improve my finances today and potentially reach FIRE tomorrow!

I'll definitely be in attendance next year even if I have to sneak inside somebody's luggage.

Ryan Myricks

You can email me here:

Most Popular Posts

Translating VTSAX for Canadians

Photo by  Kelly Sikkema  on  Unsplash Like most of you, I've read The Simple Path to Wealth and thought "Wow! Now to head to Vanguard and set up my account! Hey, WTF??" If you haven't read the book, feel free to read it in blog for m on the authors blog right here . Probably a proper rite of passage for any Canadian pursuing FIRE is to hear about the message from an American blog or podcast and then immediately google VTSAX only to realise that the mutual fund is not offered to Canadians. To add further insult to injury we can't even open a Vanguard account. ....well fuck you too, Vanguard. Just kidding! Vanguard is Canadian-friendly - very much so. They have superb products available for Canadians to buy in the for m of ETF's from the numerous stock exchanges around the globe. This certainly adds complexity to the average Jane or Joe trying to buy their first index fund but not greatly so. In fact, I keep it VERY simple in this blog post called the 7 Simpl

7 Simple Steps to Investing with Vanguard All-in-One Funds

Photo by  Elijah O'Donnell  on  Unsplash You've been thinking about investing for a while but you've been held back by several excuses. Some of these are legitimate (everybody says to do this or that... but is that right?) and some of them are pathetic (I'm not sure right now is a good time to buy.... just look at the news!). I have some very simple advice for you: Fuck the news and fuck the piles of noise everybody is "adding" to the "conversation."  It's simple, you already know you need to invest and you probably have the cash sitting somewhere else collecting a garbage interest rate. The more complex you make it, the more easily these websites, robo advisors, banks and mutual fund companies can profit from you. I have nothing to gain from you - so I have this really easy step process because I haven't been bought to make it more complex or sell you additional garbage. No must-use language from advertisers, no paywall and no book

The Requirements of FIRE

Photo by  Mark Duffel  on  Unsplash I'm here to fix the blurred line between what the FIRE movement is and what is isn't .

Product Review: Public Mobile

** Last Updated: April 2021 ** ** This journal is non-profit. You will not find affiliate codes.. nor am I paid by Public Mobile or anybody else for my opinions here. Just my two cents, as it were. ** Here's a list of why Public Mobile is the best phone plan out there.  #1 They use the Telus network, which is very, very good. Check your phones compatibility here (scroll down) . Public Mobile is simply the "discount brand" of Telus. For reference, I use a Google Pixel 2 XL and my wife uses an iPhone 6.  #2 Yes, you can port your number. #3 Three very cheap plans that should cover 99% of Canadians AND their businesses needs: *Ontario bias but I've checked and most provinces are identical* $15/month - unlimited international text, 100 minutes, unlimited incoming calls, 250mb of data $25/month - unlimited international text, unlimited province-wide calling, 1gb of data $40/month - unlimited international text, unlimited province-wide calling, 5gb of data #4 By using

The Fallout of my FIRE & The End (revised)

Step back, this blog is about to be blown up! Okay, not just yet but you should be a safe distance when it does. If you've liked what I've written here so far, I regret to inform you that this will be my last post. More on that halfway down. Like my Vortex of FIRE post, I'm revisiting a past article and rewriting it from scratch to remove my previous podcaster bias. Since it's my last article, I'm intrigued to see what I come up with. The 3rd and final ending to the Requirements of FIRE: Before we get onto the main entrée that is this blog keeling over and dying, let's first examine one last bit of misconception in the FIRE movement. This little paragraph or two was inspired by friend of the now-deceased blog. Her name is Maria over at Handful of Thoughts , and she owns 3 cars and wants you to know that while it might not be very "FI"of her, she essentially says you can fuck right off. I enjoyed the aggression in the article and wanted to add a point