u/Harles_Coskinson

38M engineer in Norway living with my wife and 4 kids under 8 yrs old and an annual income of about €80,000. I currently have €165,000 in liquid assets against a €235,000 mortgage. The goal is to reach financial independence in 19 years once the kids have left the nest. This is a long-term marathon, and I’m prepared for the fact that getting there will take a lot of time.
I now measure every potential costly upgrade, like a newer car, by the exact number of months it would add to my 19-year grind. Choosing to stick with my current cars isn’t about being cheap; it’s about realizing that no car is comfortable enough to justify trading another year of my life for it.
For me personally, the feeling of not being dependent on work for income is the primary driving force for me at reaching fire.

EDIT: To those commenting on the income/lifestyle balance: In Norway, €80k provides a very high quality of life due to the social safety net—free healthcare and education change the math significantly.

Being intentional with spending isn't about depriving my family; it’s about choosing time over status symbols. My kids aren't missing out on a childhood because I drive an older car; they’re gaining a father who isn't stressed about keeping up with the neighbors.