<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[RSS Feed]]></title><description><![CDATA[RSS Feed]]></description><link>http://direct.ecency.com</link><image><url>http://direct.ecency.com/logo512.png</url><title>RSS Feed</title><link>http://direct.ecency.com</link></image><generator>RSS for Node</generator><lastBuildDate>Sat, 18 Apr 2026 07:46:30 GMT</lastBuildDate><atom:link href="http://direct.ecency.com/created/earlyretirement/rss.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Early retirement and my journey to financial independence -  End of the month report July 2024]]></title><description><![CDATA[This post is about very early retirement and financial freedom, with a pinch of stoic minimalism and just the right amount of frugality. I started this journey in December 2014. You can join me and see]]></description><link>http://direct.ecency.com/hive-167922/@heruvim1978/early-retirement-and-my-journey-to-financial-independence-end-of-the-month-report-july-2024-4g8</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@heruvim1978/early-retirement-and-my-journey-to-financial-independence-end-of-the-month-report-july-2024-4g8</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[heruvim1978]]></dc:creator><pubDate>Wed, 31 Jul 2024 17:22:15 GMT</pubDate><enclosure url="https://images.ecency.com/p/GEEEduFoLCCuWeGvnckuLgAC4cEr8FKhJBP9Gz5QS4jin7enXUjDCfR6Qd1FFbS4BuUx2P2uCp9cKiWbou876XWiZ21hHyudoYHGBHiVk2jHfZMcqg8CcPBo9R7rQA51uTuM5LCAeMR6J65ebh7gs4dHiPoGUJc3Mfy6mdEpoqLTThJSQK4mEtcySUDpi7JuFgiWd1R6GnZZaanhpHUB2zRfUH5TpY2VAM2Ybta5JeWiKKS2LkYr3Z7QrRVVz7LLbRiYWoFUKkgfNaGDgCJyUD2HL3jHXkRiwjVGNnmmvFpCuk7QtbRaCkenv1kSpizrtj9cLmYubpcsS5F4XxcRSrdc7jN6Gv9m8HYL1MBzRhTbDSxRJ2WUmV2hV5uEuzn5s6CJuBMqxnaLAtUyvomvSq73RkdH7c1XnE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[End of the month report March 2024]]></title><description><![CDATA[The early retirement nest is building slowly, so, as for #aprilinleo this is my today project to explore: Total portfolio: £130773 (+15039) Here we are the end of the year, checking the numbers. How am]]></description><link>http://direct.ecency.com/hive-167922/@heruvim1978/end-of-the-month-report-march-2024</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@heruvim1978/end-of-the-month-report-march-2024</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[heruvim1978]]></dc:creator><pubDate>Wed, 03 Apr 2024 05:47:00 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNbFzApDTmvFatkwuDREJFVGiTUu9HqjX3rCWhA6DcFzmZi4mEhfhEjG9mRDMKRRuY4kS53nDhPKDCDhgab4bhmrCp7Etotvaiutbms4jy9ChC?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[November 2023 - End of the month report]]></title><description><![CDATA[Total portfolio: £65523 (-4744) I am back after half a year, checking the numbers. How am I doing? Lets see: Debt: 600 (just a holiday/work trip paid with Paypal) External funds: ZERO Car: No Net Worth:]]></description><link>http://direct.ecency.com/leofinance/@mightyrocklee/november-2023-end-of-the-month-report</link><guid isPermaLink="true">http://direct.ecency.com/leofinance/@mightyrocklee/november-2023-end-of-the-month-report</guid><category><![CDATA[leofinance]]></category><dc:creator><![CDATA[mightyrocklee]]></dc:creator><pubDate>Sat, 02 Dec 2023 11:07:15 GMT</pubDate><enclosure url="https://images.ecency.com/p/GEEEduFoLCCuWeGvnckuLgAC4cEr8FKhJBP9Gz5QS4jin7enXUjDCfR6Qd1FFbS4BuUx2P2uCp9cKiWbou876XWiZ21hHyudoYHGBHiVk2jHfZMcqg8CcPBo9R7rQA51uTuM5LCAeMR6J65ebh7gs4dHiPoGUJc3Mfy6mdEpoqLTThJSQK4mEtcySUDpi7JuFgiWd1R6GnZZaanhpHUB2zRfUH5TpY2VAM2Ybta5JeWiKKS2LkYr3Z7QrRVVz7LLbRiYWoFUKkgfNaGDgCJyUD2HL3jHXkRiwjVGNnmmvFpCuk7QtbRaCkenv1kSpizrtj9cLmYubpcsS5F4XxcRSrdc7jN6Gv9m8HYL1MBzRhTbDSxRJ2WUmV2hV5uEuzn5s6CJuBMqxnaLAtUyvomvSq73RkdH7c1XnE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Giving up the car could help you retire a few years earlier! ]]></title><description><![CDATA[Giving up the car is the single most impactful thing after reducing housing costs that an individual can do to bring forward early retirement. According to Nimblefins the annual average cost of running]]></description><link>http://direct.ecency.com/hive-167922/@revisesociology/giving-up-the-car-could-help-you-retire-a-few-years-earlier-</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@revisesociology/giving-up-the-car-could-help-you-retire-a-few-years-earlier-</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[revisesociology]]></dc:creator><pubDate>Thu, 12 Oct 2023 20:01:39 GMT</pubDate><enclosure url="https://images.ecency.com/p/pBMyo3B2Sao45kGEB1kRY9cJBFGQnrPp2qChGHkgVjzu1y6XFCd4yc3Z6RXqCzbfv1WQ1sQhpdGGTQyVsGMn5Nug87yAGRXbFNCByfeUai1MrHPmUn262W2hukhNRRP8qj2MUcytRUptnHUNY1RKhNtPKaayiK2mGXu4ijzPtjD8ewK4?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Paying off your mortgage over 15 years could save you £200K! ]]></title><description><![CDATA[Or on the irrationality of longer term mortgages. The average mortgage term in the UK is now 30 years. 41% of mortgages now have terms of over 25 years compared to just 14% before the pandemic( LinkedIn]]></description><link>http://direct.ecency.com/hive-167922/@revisesociology/paying-off-your-mortgage-over-15-years-could-save-you-200k-</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@revisesociology/paying-off-your-mortgage-over-15-years-could-save-you-200k-</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[revisesociology]]></dc:creator><pubDate>Wed, 04 Oct 2023 19:45:12 GMT</pubDate><enclosure url="https://images.ecency.com/p/2bP4pJr4wVimqCWjYimXJe2cnCgnK6fknn2cDiuXPQA?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The average UK household only saves £270 year and fritters away £9K on consumer frivolities]]></title><description><![CDATA[When I first started out on my Early Retirement Extreme Mission in 2014 I calculated that even an individual earning an average UK income could save enough to retire on by their early 50s if they only]]></description><link>http://direct.ecency.com/hive-167922/@revisesociology/the-average-uk-household-only-saves-gbp270-year-and-fritters-away-gbp9k-on-consumer-frivolities</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@revisesociology/the-average-uk-household-only-saves-gbp270-year-and-fritters-away-gbp9k-on-consumer-frivolities</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[revisesociology]]></dc:creator><pubDate>Sun, 20 Dec 2020 15:29:39 GMT</pubDate><enclosure url="https://images.ecency.com/p/21PRtjKRXPQygJ5a3PGGYDUDAUQfmdSVQys4xPJoVon4Tz39X5jKv75QkHr3o7TirQQ9scmTvGnNyoTeytYPnuTJFuB2HHjWoYh8QjXfLMogt6JxgN3XHySy7LFeZxN46WrLvnjq7pmDaDu8hYtN5eW?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[October - November Expenditure Review ]]></title><description><![CDATA[Welcome to my October - November expenditure review. I review my expenditure monthly as part my tracking progress towards Early Retirement. The main reasons I track my expenditures are To keep my frivolous]]></description><link>http://direct.ecency.com/hive-167922/@revisesociology/october-november-expenditure-review</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@revisesociology/october-november-expenditure-review</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[revisesociology]]></dc:creator><pubDate>Mon, 23 Nov 2020 22:30:00 GMT</pubDate><enclosure url="https://images.ecency.com/p/mXkfdToSwHy1F6xC7iNSf4gD4njuiH2TJnH2d9a7sjEgsxpt7CEU4CDU2hEkC3fLffEEQseioMhH4UJDBo1uPUtun14AUoLjHusGrXkjx?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[How much wealth do you need to realise ‘Financial Independence’?]]></title><description><![CDATA[How much wealth do you need to realise ‘Financial Independence’? I define financial independence as having sufficient wealth accumulated to meet your own personal needs and desires for the rest of your]]></description><link>http://direct.ecency.com/hive-167922/@revisesociology/how-much-wealth-do-you-need-to-realise-financial-independence</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@revisesociology/how-much-wealth-do-you-need-to-realise-financial-independence</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[revisesociology]]></dc:creator><pubDate>Thu, 05 Nov 2020 07:37:27 GMT</pubDate><enclosure url="https://images.ecency.com/p/32FTXiZsHoAWBP5L1ud1KB6iqvzEGKZ8ws1R2tB6CzqrUZhEWNEaMfB2bPfJDodsqDx2b3oLNR3LxSmWeLqgRyu5z9LF1b213Q2UWQu42hHFowumiH9Aq4Q5g8s2mzJfkYZV7yeDhj6o5Vdp?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Passive income generation.]]></title><description><![CDATA[Since about two years, I turned to blockchain and TRON blockchain in specific to build up passive income generators. As I have been building up my stack of passive income generating tokens, I have seen]]></description><link>http://direct.ecency.com/crypto/@carapthian/passive-income-generation</link><guid isPermaLink="true">http://direct.ecency.com/crypto/@carapthian/passive-income-generation</guid><category><![CDATA[crypto]]></category><dc:creator><![CDATA[carapthian]]></dc:creator><pubDate>Wed, 18 Mar 2020 11:51:09 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNaPs7vzNXHueW5ZM76DSHWEY7onmfLxcK2iPJrmjNzxJSvWWtfadap9X6HFkDXBSVrmT5Xs7czGkxzffDVgdS6edeUbF3icqcv9wP3D7u4XCz?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Pi-Token dashboard explained]]></title><description><![CDATA[This is the dashboard which we regularly publish in our Pi-token Telegram group: In this article we will explain the main graphics in this dashboard. First: Pi in circulation: The Pi in circulation shows]]></description><link>http://direct.ecency.com/earlyretirement/@carapthian/the-pi-token-dashboard-explained</link><guid isPermaLink="true">http://direct.ecency.com/earlyretirement/@carapthian/the-pi-token-dashboard-explained</guid><category><![CDATA[earlyretirement]]></category><dc:creator><![CDATA[carapthian]]></dc:creator><pubDate>Fri, 06 Mar 2020 20:20:27 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNaPs7vzNXHueW5ZM76DSHWEY7onmfLxcK2iPdXUqjtMEHaMnnbBygicS4piHYUNzwzDGv9msMXJwNRf4jBZfb7KfwjDxsdHVtW4fSrN11G1ZG?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[A new token is coming on TRON]]></title><description><![CDATA[As March 1 is approaching, the moment is coming near that the Pi token is moving from closed Alpha state to open Beta state. Pi token is a daily reward giving token on the TRON blockchain, which has been]]></description><link>http://direct.ecency.com/passiveincome/@carapthian/a-new-token-is-coming-on-tron</link><guid isPermaLink="true">http://direct.ecency.com/passiveincome/@carapthian/a-new-token-is-coming-on-tron</guid><category><![CDATA[passiveincome]]></category><dc:creator><![CDATA[carapthian]]></dc:creator><pubDate>Sat, 29 Feb 2020 09:05:06 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNaPs7vzNXHueW5ZM76DSHWEY7onmfLxcK2iPEc1GW1wtP8246eqm5SkHLidmFvagx2d5eeZ39pi8QXnDvjmLqLePRv1pJEBRc5ZAQ6FrcmLvA?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Passive income progress (Feb 22)]]></title><description><![CDATA[An essential part of my #111Months project on the road to early retirement, passive income is a key corner stone to achieve financial independence. The last weeks, I have added one more passive income]]></description><link>http://direct.ecency.com/earlyretirement/@carapthian/passive-income-progress-feb-22</link><guid isPermaLink="true">http://direct.ecency.com/earlyretirement/@carapthian/passive-income-progress-feb-22</guid><category><![CDATA[earlyretirement]]></category><dc:creator><![CDATA[carapthian]]></dc:creator><pubDate>Sat, 22 Feb 2020 13:44:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNaPs7vzNXHueW5ZM76DSHWEY7onmfLxcK2iQGnk3vBB1FpnLGrkaFeyBJgktyhfA6ZfXh3UEDhsDr5EPCifPNTCJ2YEBXV26hxNtTaVvHMkRk?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The #111Months challenge month 13]]></title><description><![CDATA[Trying to bring content to Steem blockchain I am publishing some posts from my personal blog on Wordpress. The 13th month of the #111Months challenge has finished. 98 Months to go before early retirement.]]></description><link>http://direct.ecency.com/earlyretirement/@carapthian/the-111months-challenge-month-13</link><guid isPermaLink="true">http://direct.ecency.com/earlyretirement/@carapthian/the-111months-challenge-month-13</guid><category><![CDATA[earlyretirement]]></category><dc:creator><![CDATA[carapthian]]></dc:creator><pubDate>Thu, 20 Feb 2020 20:24:21 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNaPs7vzNXHueW5ZM76DSHWEY7onmfLxcK2iNuxH3nfJhkCCxGJPekbKoLf3UeHcuj2seHMJeriNaKXeAJBxZvF6UqVKgPXzm4PF8RU68MgHCr?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Passive income strategy]]></title><description><![CDATA[After one and a half months into 2020 the building of a passive income powerhouse is on track; The first half of February 2020 has been a great month in crypto due to the mini Alt coin run. End of January]]></description><link>http://direct.ecency.com/earlyretirement/@carapthian/passive-income-strategy</link><guid isPermaLink="true">http://direct.ecency.com/earlyretirement/@carapthian/passive-income-strategy</guid><category><![CDATA[earlyretirement]]></category><dc:creator><![CDATA[carapthian]]></dc:creator><pubDate>Wed, 19 Feb 2020 14:17:54 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNaPs7vzNXHueW5ZM76DSHWEY7onmfLxcK2iNtx13Aybx5FjR7HmJTLGxddtW4S3ifSCGb7iFXc2GqirocNgtsQYvbX6edSMm9oHA9vjvxDXyG?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[#111Months November 2019]]></title><description><![CDATA[Summary of the 11th month of the 111 month challenge. 100 Month to go.. 11 Month have passed, 100 more to go. What started as a general idea to retire at the age of 55, slowly transformed in a real plan]]></description><link>http://direct.ecency.com/earlyretirement/@carapthian/111months-november-2019</link><guid isPermaLink="true">http://direct.ecency.com/earlyretirement/@carapthian/111months-november-2019</guid><category><![CDATA[earlyretirement]]></category><dc:creator><![CDATA[carapthian]]></dc:creator><pubDate>Wed, 11 Dec 2019 09:29:36 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNaPs7vzNXHueW5ZM76DSHWEY7onmfLxcK2iPPfQRM4QKkRs5AeQouBrrLcWBqmZj16NVi6jhoF3zgW9od3Y7D4EnnBnUDwF2NeVcWwPVVLaza?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Thoughts From 3 Months of "Early Retirement"]]></title><description><![CDATA[Note: This post originally appeared on The Big Today. A few months ago, at age 31, I quit my job. I left because of a combination of a new boss I didn’t see eye-to-eye with, a stressful period of wedding]]></description><link>http://direct.ecency.com/personalfinance/@aducknamedjoe/thoughts-from-3-months-of-early-retirement</link><guid isPermaLink="true">http://direct.ecency.com/personalfinance/@aducknamedjoe/thoughts-from-3-months-of-early-retirement</guid><category><![CDATA[personalfinance]]></category><dc:creator><![CDATA[aducknamedjoe]]></dc:creator><pubDate>Tue, 23 Apr 2019 16:43:33 GMT</pubDate><enclosure url="https://images.ecency.com/p/5s4dzRwnVbzGM3JdycGKFQo7ALS3GhuMGL8qbG8zfSd9jS5PJosQe11WzFNxiKRZRn96tdBLGf3kDQmNoQTJZGwv2CcpcyPURmhBQCscQQuBKpVicwxJmEoVtS39GvUKhyBnkHSFxzmDHNja5AbGkV8uiwZ7NbFj5Q3NvKQ?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[What a life...]]></title><description><![CDATA[On a hurry again, on my way to Venice...one day an a half trip only... As soon as I arrive there, take a rental car and go to the Factory to attend an exceptional transportation arriving on midnight...]]></description><link>http://direct.ecency.com/bitcoin/@toofasteddie/what-a-life-r61i0d9c</link><guid isPermaLink="true">http://direct.ecency.com/bitcoin/@toofasteddie/what-a-life-r61i0d9c</guid><category><![CDATA[bitcoin]]></category><dc:creator><![CDATA[toofasteddie]]></dc:creator><pubDate>Wed, 20 Mar 2019 17:59:06 GMT</pubDate><enclosure url="https://images.ecency.com/p/3W72119s5BjVtYhc8EyUCS1n2TpsbpKuDhBkZTQTi2NsGVP3cuDYfbsXixVvrR87uwFGDNq6kjY3FS1Nr3o8aVfCXfWHxNsy9pJp3uBRgGwUbeqP6PX9MG?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Why people fail at Financial Independence? (because they do not feel it)]]></title><description><![CDATA[It's all about the programming in your grey matter ... and the ... fire in your heart .... The same thoughts generate the same actions and the same results. FI requires a reiwiring ... What moves you to]]></description><link>http://direct.ecency.com/passive/@nodesofvalue/whypeoplefailatfinancialindependencebecausetheydonotfeelit-duztf9u7y3</link><guid isPermaLink="true">http://direct.ecency.com/passive/@nodesofvalue/whypeoplefailatfinancialindependencebecausetheydonotfeelit-duztf9u7y3</guid><category><![CDATA[passive]]></category><dc:creator><![CDATA[nodesofvalue]]></dc:creator><pubDate>Thu, 30 Aug 2018 17:52:03 GMT</pubDate></item><item><title><![CDATA[leanFIRE vs fatFIRE]]></title><description><![CDATA[What if FIRE? FI: Financial Independence; Not being dependent on an active income to maintain one's lifestyle. RE: Retire Early; Retire years before the official retirement date. What is the difference]]></description><link>http://direct.ecency.com/passive/@nodesofvalue/leanfirevsfatfire-g08g8gbi21</link><guid isPermaLink="true">http://direct.ecency.com/passive/@nodesofvalue/leanfirevsfatfire-g08g8gbi21</guid><category><![CDATA[passive]]></category><dc:creator><![CDATA[nodesofvalue]]></dc:creator><pubDate>Thu, 23 Aug 2018 10:41:39 GMT</pubDate></item><item><title><![CDATA[leanFIRE vs fatFIRE]]></title><description><![CDATA[What if FIRE? FI: Financial Independence; Not being dependent on an active income to maintain one's lifestyle. RE: Retire Early; Retire years before the official retirement date. What is the difference]]></description><link>http://direct.ecency.com/passive/@nodesofvalue/leanfirevsfatfire-dx0zzq4bot</link><guid isPermaLink="true">http://direct.ecency.com/passive/@nodesofvalue/leanfirevsfatfire-dx0zzq4bot</guid><category><![CDATA[passive]]></category><dc:creator><![CDATA[nodesofvalue]]></dc:creator><pubDate>Thu, 23 Aug 2018 10:19:42 GMT</pubDate></item></channel></rss>