Tag Archive: FIRE


New project: LetsRetireYoung.com

I grew up reading personal finance blogs: there wasn’t much else to do for fun after graduating college during the 2008 bubble. I always wondered about that elite and mysterious tribe of bloggers, the influence they wielded, the lives they might have led. As tempting as it was, I never set up my own personal finance blog, if only because I didn’t want to be just another non-entity who was still stuck in the rat race, daydreaming out loud, sharing less-than-motivational updates along the lines of “just 51 more months till retirement!”

After I achieved my lean-FIRE early retirement in May 2021, life got a whole lot more fun and easier. Eventually, an online acquaintance teased me: “is it really a FIRE if you don’t have a FIRE blog?” (A bit like that joke about how to figure out if someone is a vegan – they’ll tell you within three minutes. Heh.) And so, the seed got planted…

I’ve launched my Let’s Retire Young blog just over two months ago, and it’s finally fleshed out enough (and not at risk of being abandoned like yet another infatuation) that I feel it can be shared with the world at large. It’s quite separate from this here blog because while a large part of that new blog is based on my own experiences, it’s mostly just money advice. Conversely, while this blog occasionally mentions money, it’s more of a personal memory repository. And, of course, “Let’s Retire Young” is far easier to memorize and pronounce than “Grigory Lukin.” (Which, if you’re curious, rhymes with “story” and “win” when pronounced correctly. Russian names are weird, I know.)

The new blog’s tagline is “Earn more, spend less, invest the rest” – and while I was pretty bad at the “earn more” part, it’s a valid part nonetheless. (Like this post I wrote about getting a tech job without learning how to code.) So far, I’m writing three posts per week: I meal-prep them every Friday (because, as we all know, Friday = “write day”), and there are already 24 of them out there. Once I make it to the big #25, I will have proven my commitment to the bit, and might be able to secure some sort of a semi-professional writing gig. (That’d be a pretty huge upgrade for this writing hobby of mine.)

Just for the fun of it, I’ve also set up a mirror version of my blog over on Medium: I may have missed that platform’s golden age, but it still gets me some readers, especially after I joined a publication for newbie writers – which, admittedly, accepts absolutely everyone, a bit like a tutorial level in a video game.

The blog itself is about early retirement, with a side of geographic arbitrage: I strongly believe that anyone’s financial situation can be changed for the better (if only a little), but that can require significant lifestyle changes, up to and including moving to another city or even country. My advice won’t suit everyone (it would be rather strange if it did), but for the right kind of person, my stories could provide a valuable blueprint. I escaped the rat race at age 34, without having rich parents or a huge inheritance or a high-paying job. (I never once made $100K USD in a year.) I found and exploited multiple glitches in the system, and managed to escape it in one piece, with my sanity mostly intact. Now I live on roughly $1,000 USD a month (rent is cheap here, eh), and loving it.

When I started that side project, I didn’t realize how interesting the monetization component would be: thus far, I’ve made $22 USD through AdSense on the main blog and $4 USD on Medium. Not exactly a huge income stream per se, but according to the r/blogging subreddit, search engines generally ignore you until you put out 25-30 posts. We’ll see how that plays out – but meanwhile, I’m enjoying this gamification process of all the different indicators that can be tracked and improved. Earnings rate, visitors, clicks, page loading time, etc…

Getting to the first 25 posts is the first major milestone. At the pace I’m going, I’ll cross the 100-post threshold sometime in June/July. (Unless, of course, that money-related reality TV show I applied for calls me back, in which case I’d probably be offline for a few months in early 2022. My life is pretty eccentric.) Once I get to that point… Perhaps I’ll be able to get a book deal, and get an actual, real book published from some of my best posts. Perhaps something else. Maybe I’ll switch to just one post a week, or end the whole project with just 100 posts so as not to dilute it with random generic gibberish. We’ll see.

In the meantime, though, head on over to LetsRetireYoung.com and check it out for yourself, eh. Feel free to leave comments, ask questions, share your favourite posts on social media, and tell your friends. I know that personal finance blogs are a dime a dozen these days (things have changed a lot since 2008), but hey – it’s better to have blogged and lost than never to have blogged at all, am I right?

Cheers, y’all.

Bonjour, Quebec!

This post is about three months overdue, but I have it on good authority that time is relative. ¯\_(ツ)_/¯

So much has happened… The move from Toronto to Quebec City was an exercise in organized chaos: I managed to pack all my stuff (including all the small detritus of life that takes up an alarming amount of cubic space) into plastic crates, moved them into the small Uhaul truck I rented, and drove it all the way to QC with an overnight stop at a rest area. (My original estimate of completing the 8-hour move-and-drive by 6pm was wildly optimistic.) Then it was all about unpacking and moving my stuff to that shiny, beautiful second-floor apartment that is my home. Returning the Uhaul. Walking back to the apartment, ogling all the French signs and sights. I hope those first memories will never fade away.

At some point, I’ll probably forget and normalize the memory of my first month here, before I got my furniture (mostly Ikea, and a couple of used furniture stores), but it was pure chaos: sleeping on my mattress on the floor before I finally got one of the last beds available at the local Ikea. (With another Uhaul rental – those things are like cheat codes for everyday life!), then navigating through all the furniture boxes in my living room, then slooowly assembling it all over the course of three days or so. Did you know that there actual online support groups for people who try to assemble Ikea’s Malm dressers? Ask me how I know…

There were casualties: I wasn’t careful with my gaming PC (just yeeted it in the back of the truck instead of securing it on the passenger seat like the precious baby that it is), and something inside got misaligned. The nearest computer repair store fixed it, got it working again, and then held it hostage for four days because the technician didn’t write down how much to charge me. Fun times… Didn’t help that they closed early on Saturday despite telling me earlier that day to stop by at 4. I fought that particular spike of rage by finding a great deal on a used 20-gallon aquarium and acquiring three little guppies to go with it. (And a fancy thermometer. And a big wooden decoration. And a couple of little plants. And an air pump shaped like a volcano. It’s pretty fun, eh.) I’m still figuring out the exact water chemistry, and will probably have to splurge on a tap water filter to make sure they get dechlorinated water when I change it. It’s an ongoing but fun project – and when it comes to the expense/cuteness/stinkiness ratio, fish are far better pets than birds or mammals. (There are also reptiles, of course, but they’re not as cute in my utterly subjective opinion.)

Quebec City itself is beautiful… Just google its pictures and see for yourself: that’s not just one small touristy block, that’s a good chunk of the city, and there’s more beauty in other parts of it, too. All the parks have lots of trails and pathways for pedestrians, bicycles, skateboards, etc. It turns out Duolingo had lied to me, and the Quebec-French is quite different from French-French. The few times I tried saying “enchante” (pleased to meet you) to new acquaintances, the response was mostly “WTF does that mean?” Heh. It’s getting better, though: while I still can’t follow other people’s conversations at parties (just smile and nod!), I can mostly figure out what I’m reading by recognizing the key words.

It turns out the local government pays a $200/week stipend to encourage newcomers (other Canadians, or immigrants like myself, or refugees) to learn Quebec-French and Quebecois culture. It’s an intensive program – five days a week, up to six hours a day, for twelve weeks – but it sounds like an amazing deal. There’s a distinct lack of good apps that teach Quebecois French, and I will have to become fluent anyway… Might as well. Just need to send off some documents on Monday, and then they’ll slot me into the next available class, whenever that might be. Quebec’s government isn’t perfect, but this “bribe to learn” program they’ve set up to preserve and promote their culture and their language is downright brilliant. Kudos, at least on that front.

My PR (permanent resident) card is finally here, after spending seven weeks bouncing between Toronto and Quebec. (My neighbour in Toronto means well, but for some reason he didn’t write his return address on the envelope when he sent it to me.) It’s incredibly shiny and going to make my everyday life a whole lot easier. I celebrated with a meal at my favourite local diner, La Cuisine. Check it out if you ever visit Quebec City: friendly staff, great decor, delicious food, low prices. What more can one ask?

…you know how some movies have that cliché where the main character travels to a strange foreign land and just happens to bump into a local guide that speaks fluent English, has a ton of badass qualities, and is an overall improbably awesome and helpful human being? Turns out that actually happens! My new Quebecois girlfriend is a certified badass that does krav maga, knows how to ride any non-motor thingy that has wheels (roller skates, longboard, etc), loves simple and healthy living, etc. What’s even better is that she’s also open to the idea of becoming a professional nomad, doing her graphic design work on her laptop while vegging out in some cheap tropical country. My life is highly improbable, I know, and for that I am incredibly grateful.

It’s been six months and twelve days since I left Amazon for good. (Unless, of course, they decide to pay me back the 47 shares that they owe me; then I might – might – consider entertaining the preliminary notion of possibly going back.) The time flew by, and I feel so much more relaxed and healthier… This whole “early retirement” thing is great, really. Five stars, would try again, highly recommended. I could stay in the rat race another five or 10 years, become a multimillionaire, get more shiny toys, but I’d never get those years back. You can double your net worth – you can’t double your life expectancy.

To give you some idea of how sweet this life is, the only things on my calendar are:

  1. the final expanse book coming out in 3 days;
  2. liquidating all my stocks in late December because I’m quite convinced there’ll be a major correction by April. (Student loan payments will start up again. People will owe taxes on their huge 2021 gains. None of that is good news. Keep in mind that the dot-com bubble burst in March, when the 1999 taxes were due…)
  3. a cool date at the opera with gf in January;
  4. an equally cool long weekend getaway with gf and her friends at a rented cottage somewhere in rural Quebec in February;
  5. possibly a family reunion in March-April-ish?

In September 2022, I will have lived in Quebec for 12 months, which will make me eligible to join the local Freemason chamber. They’re an odd group, but I like what I’ve learned about them so far. When the world begins to fall apart (sort of like in Vancouver, which is currently inaccessible by road thanks to the flooding and mudslides), it’ll be vital to have a gigantic support network on your side. Prepping and stashing food and guns and medicine is only the first step. The second step is getting to know your neighbours (are they medics? cooks? people with no particular skills but with great vibes?). The third step is acquiring an army: a giant social network you can rely on, no matter where in the world you are. I considered other options, like Scientologists, Mormons, Jehovah Witnesses, etc, and decided against them – and Freemasons actually seems like a fun and non-judgmental bunch, and a great way to learn new stuff, and make new local friends, and liven up ye olde social calendar. Too bad they have a strict anti-nomad policy in Quebec, thus the 12-month waiting period first.

At some point, most likely May 2023, I’ll be eligible to apply for my Canadian citizenship, and once I get that, I’ll finally start my life as a snowbird, thus completing my weird, weird metamorphosis. Until then, though, I’ll spend a couple of winters here in Quebec. It’s pretty ironic that the goal of my early-retirement journey was to live someplace cheap and tropical, yet I’ll have to live through the coldest winters of my life (since leaving Siberia in 2003, anyhow) as the last rite of passage. Heh.

And now, after a walk through the snow and a bit of exercise, I’m off to do some more gaming (gf is in Montreal this weekend) – Sunless Skies is both amazing and cheap – while listening to the excellent Ologies podcast (amazing pop science in 90-minute-long increments!), followed by a homecooked meal with a glass of red wine, and maybe another Werner Herzog movie. (It is my new quest to watch everything he’s ever written and/or directed. Two movies down, dozens to go!)

Life is good.