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Mr. Zero

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The Divide by Zero
Early Retirement
Money, Early Retirement, Family, Frugality
Start Year:

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Net worth:
South Carolina, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

As the Zeroes have evolved from Financially Irresponsible to Financially Independent, our behavior at Christmas has changed as well. There was a time when Christmas was a great source of stress.  Worrying about what trendy gift to buy the kids, or which of their friends will give them a gift, so we can provide an appropriately reciprocal offering.   Because we had little left over after paying our bills, it was also ...
Posted: Dec 23 2017 @ 9:28 PM
I am not a financial wizard and certainly no expert in the area of investing.    No, the real driver of our modest success in growing net worth comes down to one simple behavior. We are millionaires because we have mastered learned the art of delayed gratification – And You Can Too! A person’s ability to put off a reward for the promise of receiving an even bigger reward in the future is ...
Posted: Dec 17 2017 @ 12:46 AM
As our financial independence date draws closer, I have found the idea of taking the plunge into early retirement an interesting exploration of my risk tolerance.   Although information and education can influence one’s thinking, I believe a person’s tolerance for risk is very much a function of who you are.  Some people are natural risk takers, while others, like me, at least when it comes to money,  tend to err ...
Posted: Nov 24 2017 @ 7:18 AM
A relative of mine recently visited us in Asia for two weeks.  She works a normal kind of job.  Nothing fancy or high powered.  She is paid by the hour.  Dreads some aspects of work, loves other parts, but for the most part just does what she needs to do to bring home an income to keep the household going. About a week into her visit, she pulled me aside and ...
Posted: Nov 03 2017 @ 11:49 PM
Well, it’s been five months since my last post.  Rather than rattle off a litany of excuses, let me just say that my work has continued to expand in scope to the point that most days (and nights) there isn’t much of me left for anything else.    I have seen some posters on various FI blogs discuss their reluctance to pull the plug on a good paying, stable job. ...
Posted: Oct 29 2017 @ 9:57 PM
My marathon of travel has continued through May. One of the most enjoyable aspects of being an engineer is having the opportunity to solve problems. As I have moved up the ranks in my company, opportunities to personally lead difficult problem solving activities has decreased significantly, but on rare occasions, when the problem has large financial or customer implications, I get tapped on the shoulder to do my thing. For ...
Posted: Jun 02 2017 @ 8:24 PM
It’s been a slow month for posts but that’s because it’s been quite busy in other areas of my life.  After returning from our sailing trip to Thailand, I have been on a marathon of business travel.  In the last three weeks, I have been home with sweet Mrs. Zero a grand total of two days.  Mega-Bummer –  but my company doesn’t send me those paychecks every two weeks for ...
Posted: May 06 2017 @ 6:30 AM
Apologize for lack of posts, but we have been a little distracted with a sailing vacation, a completion of another step toward our plans of early retirement and extended cruising aboard a sailboat.  I am also moving into a much busier time at work when I need to travel considerably more than the last few months.  I am writing this post from my hotel room overlooking the city of Osaka, Japan, ...
Posted: Apr 15 2017 @ 6:25 AM
Today I am going to reveal a magic system that, if followed, will enable you to build financial wealth and lose weight!  Does that sound good?  You betcha! Full disclosure, the inspiration for this post came from a recent post on Club Thrifty that struck a nerve for me.  The author (who writes some pretty good stuff by the way), was arguing that the 50/20/30 budget that many advertise as being a ...
Posted: Mar 12 2017 @ 5:00 AM
As a kid from a middle class upbringing, I learned pretty quickly that I needed the right shoes-Reeboks, the right jeans-Guess Acid Wash, and the right church-the one’s where my friends went. Then my teen years hit and suddenly, all that conformity seemed really wrong. So I bucked that system-I got Birkenstocks and 2nd hand clothes. AND I started to believe that certain religions made people hypocrites. From then on, anything in my ...
Posted: Mar 05 2017 @ 1:43 AM


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