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wish I could afford one

I've gone and written that book

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I came to HPC way back in 2007 when I was fairly naive and simply wanted a home for my family.  While waiting for the HPC I fortunately enacted a Plan B which later became Plan A.  That plan was early financial independence and I passed the finish line back in July 2016 at age 43 while transparently blogging about nearly the whole journey.  I'm yet to retire but I'll likely do that in mid-2017.

Over the years a number of HPC'ers have asked me if I intended to write a book covering my journey.  Given that I've now achieved the goal I thought that would give me some credibility as I could then at least preach about what I practice so I went for it.  For those that both asked me and encouraged me a big thanks as it's been a fantastic experience.  I'd recommend it to anyone.

I called the book From Zero to Financial Independence in less than 10 Years : Tools and techniques to escape the rat race quickly and it's now available.

Between working and writing it's pretty much consumed the last few waking months of my life.  I think it's now time for a lie down.

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2 minutes ago, Wayward said:

I will have a look....but how do the define the "finish line"...?

Enough wealth to never have to work again.  For me that's seven figures sterling.  It's based on my expected annual spending divided by 2.5% (my planned withdrawal rate) plus a paid for home.

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Just now, One-percent said:

Well done.  Just out of interest, how does kindle unlimited work for the author?  I've got a subscription and happy to download it.

I actually don't know.  The reason I actually wrote the book was to try and spread the message that there are alternatives to debt and consumption a little further than the reach of my blog.  If I can make a few £'s then I'll likely put it towards self publishing a paper back version to hopefully get the message even further.

I didn't do it for the money as the subject of the book has already given me enough for hopefully the rest of my life. 

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6 minutes ago, wish I could afford one said:

I actually don't know.  The reason I actually wrote the book was to try and spread the message that there are alternatives to debt and consumption a little further than the reach of my blog.  If I can make a few £'s then I'll likely put it towards self publishing a paper back version to hopefully get the message even further.

I didn't do it for the money as the subject of the book has already given me enough for hopefully the rest of my life. 

I'll download anyhow, it sounds like a book we should all read and as Tesco says, every little helps :)

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1 minute ago, GreenDevil said:

Contrats, out of interest what was your salary to be able to squirrel away 7 figures over 10 years? I assume you rented over the period?

Thanks.

I was a dirty renter for the whole period (and still am).  I'll likely buy in The Med late next year.  In hindsight that is probably what enabled me to achieve the goal as if I had have been able to buy way back in 2007 I probably would have never started on Plan B.  I am so glad it's played out like it has.

When I started I would have been on probably twice the average salary and at FI I was into 6 figures in £'s.  I write in detail about how I managed to increase earnings so far and I know that some of it worked for Frugal Git as well.

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1 minute ago, One-percent said:

I'll download anyhow, it sounds like a book we should all read and as Tesco says, every little helps :)

I genuinely hope it does help some.  The UK is short good investment books.  To anybody who asks I always recommend Tim Hale's Smarter Investing and I also know some like Lars Kroijer.  After that the cupboard gets pretty bare pretty quickly.

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45 minutes ago, wish I could afford one said:

I actually don't know.  The reason I actually wrote the book was to try and spread the message that there are alternatives to debt and consumption a little further than the reach of my blog.  If I can make a few £'s then I'll likely put it towards self publishing a paper back version to hopefully get the message even further.

I didn't do it for the money as the subject of the book has already given me enough for hopefully the rest of my life. 

It is a complicated calculation, but it works out at around about 0.1p per page read (well, turned.  And it is a 'standard' page, which is about the same as a page on a kindle).

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3 minutes ago, dgul said:

It is a complicated calculation, but it works out at around about 0.1p per page read (well, turned.  And it is a 'standard' page, which is about the same as a page on a kindle).

Thanks for that.  I'm glad I reached FI using other means and didn't depend on being an author for my livelihood.

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4 minutes ago, interestrateripoff said:

How complex is the book?

I've tried to keep it as simple as possible and I've tried to cover everything that has worked for me over my 9 years journey.  The psychological and savings sides is I think pretty easy to grasp.  Applying it is of course a different story.  The investing and how to know when one has enough sides might take a second read. 

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2 minutes ago, wish I could afford one said:

Thanks for that.  I'm glad I reached FI using other means and didn't depend on being an author for my livelihood.

I think authors regard Kindle Unlimited as a good way to get reviews, rather than income.  It can work out for an author depending on genre, but probably not for this type of specialist book.

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5 minutes ago, wish I could afford one said:

I've tried to keep it as simple as possible and I've tried to cover everything that has worked for me over my 9 years journey.  The psychological and savings sides is I think pretty easy to grasp.  Applying it is of course a different story.  The investing and how to know when one has enough sides might take a second read. 

This investing business sounds like a full time job.....will you ever retire from it?.....and if so what will you do next now you have already written the book? ;)

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For anyone that wants to read it, Amazon will give away Kindle Unlimited for a month's trial to anyone.  You can read the book online, give WICAO the amazing sum of 0.1p per page read for 'free' -- just remember to cancel your membership before the month is out (you can cancel it immediately and it'll keep going for the month anyway).  

Of course, WICAO would surely prefer for the book to be purchased, but I'd ask on his behalf that if you do read it on a KU-trial you leave a review in return for reading it for free.

 

Edited by dgul

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3 minutes ago, winkie said:

This investing business sounds like a full time job.....will you ever retire from it?.....and if so what will you do next now you have already written the book? ;)

The problem is that investing is now a very enjoyable hobby for me and we all know what can happen when hobbies get out of hand...

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2 minutes ago, dgul said:

For anyone that wants to read it, Amazon will give away Kindle Unlimited for a month's trial to anyone.  You can read the book online, give WICAO the amazing sum of 0.1p per page read for 'free' -- just remember to cancel your membership before the month is out (you can cancel it immediately and it'll keep going for the month anyway).  

Of course, WICAO would surely prefer for the book to be purchased (it doesn't make that much difference, though -- assuming 300 pages, it would be £3 or so with a 'free read'... For a bought book, authors get about 60% of the cover price, so about £4.50 or so).  

I'd ask on his behalf that if you do read it on a KU-trial you leave a review in return for reading it for free.

 

Honest reviews would be very much appreciated.  This is about trying to get the message that alternatives are available out and I'm guessing that reviews help people make decisions on whether to read or not.

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2 hours ago, wish I could afford one said:

Thanks.

I was a dirty renter for the whole period (and still am).  I'll likely buy in The Med late next year.  In hindsight that is probably what enabled me to achieve the goal as if I had have been able to buy way back in 2007 I probably would have never started on Plan B.  I am so glad it's played out like it has.

When I started I would have been on probably twice the average salary and at FI I was into 6 figures in £'s.  I write in detail about how I managed to increase earnings so far and I know that some of it worked for Frugal Git as well.

Cracking job, now when you hit the target will you change your nickname?

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Excellent. I'll put this on the kindle tonight. I've been following the blog over the last year having discovered FI. Really appreciate your efforts to share it! 

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2 hours ago, wish I could afford one said:

Thanks.

I was a dirty renter for the whole period (and still am).  I'll likely buy in The Med late next year.  In hindsight that is probably what enabled me to achieve the goal as if I had have been able to buy way back in 2007 I probably would have never started on Plan B.  I am so glad it's played out like it has.

When I started I would have been on probably twice the average salary and at FI I was into 6 figures in £'s.  I write in detail about how I managed to increase earnings so far and I know that some of it worked for Frugal Git as well.

Great news and congratulations on the book - which, I've of course bought immediately. Your advice has been tangibly worth 10's of thousands to me - as you say. I owe you a lot and I look forward to learning more!

I've recently forwarded your blog address to a very young (now ex-) colleague, and passed on some of your wisdom especially re: the world of work, as well as investment in general. He's already been doing well over the past year, based on my rather more... 'ad-hoc' investment advice and I think he'd benefit much more learning from yours now as it's so much more methodical. He's clearly the sort of person who thrives from doing his own critical thinking anyway. Your efforts are inspirational - keep up the good work and thanks so much for doing this.

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1 hour ago, wish I could afford one said:

Honest reviews would be very much appreciated.  This is about trying to get the message that alternatives are available out and I'm guessing that reviews help people make decisions on whether to read or not.

Well done on getting a book out. I second that, customer reviews are very tough. Actual customers rarely post reviews so any honest feedback helps, (but not all at once).

You can get an author profile just search for "author central". You can do this for the .co.uk site, the .com site, also .de .fr .it and .es   From there you can fill your author profile to write about yourself, also enter editorial reviews if you get your book in front of those of credibility in your field to review it.

3 hours ago, wish I could afford one said:

  The reason I actually wrote the book was to try and spread the message that there are alternatives to debt and consumption.

The above looks like good text for the book description.

For getting out in print on Amazon you can use "createspace". For print everywhere else use "Ingram Spark". For putting the ebook out elsewhere ( in ePub format) use draft2digital. If the book sales justify spending 100 quid "ebookpartnership" has better distribution network. Ingram spark also distribute ebooks but take 60%. 

You could also use keyword suggestions in amazon's search related to the type of searches people would make to find your book, then title your book the same or similar way and get those keywords in the description a few times moderately.

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3 hours ago, wish I could afford one said:

I actually don't know.  The reason I actually wrote the book was to try and spread the message that there are alternatives to debt and consumption a little further than the reach of my blog.  If I can make a few £'s then I'll likely put it towards self publishing a paper back version to hopefully get the message even further.

I didn't do it for the money as the subject of the book has already given me enough for hopefully the rest of my life. 

By the way the places I mentioned for print are print on demand, no inventory needed or spending money before sales occur. Createspace is free to setup while spark charges a small once off fee + yearly distribution fee of about £7.

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4 hours ago, Wayward said:

how do the define the "finish line"...?

My colleague told me of some social science research where people were asked how much more money they would need to earn to be satisfied. The more people earned, the more they felt they needed in percentage terms. This poses a bit of a conundrum because, generally, the faster you are able to run towards the finish line, the further away it is at the start.

The quickest way I've seen someone get to FI was a recently-promoted school head who had a breakdown and was medically retired. Nothing obviously wrong  now, and no financial worries, just acts like any retired person...baking, socialising, DIY etc. Still sends kids to private school.

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