16# My Monthly Financial Independence Update

The Quick Takeaways

This month savings rate: 0 %

Passive Yearly Income (5 % withdrawal with taxes): 17.400 DKK (2680 $)

% change since last month: + 1,7 %

So What The F#ck Happen This Month?

  • Enjoying Indonesia
  • Four new diving licenses
  • Selling shares!!! (Not enjoyable)
  • Still working on the mobile writing habit.

Indonesia, What a Blast!

I have now been in Indonesia for two months. And it has been a blast.

Even though I feel like I have sailed a lot back home. I have never had the experience of sailing with 8 other people I don’t know.

When you live with 8 other people on a boat there is 15 m long, you will be tested constantly. People who think they might be the most patient people, suddenly see that they might not be that patient after all. Which can fuck up some people’s thoughts about themselves.

And small problems can become the end of the world. This morning one of the girls grabbed an empty milk from the fridge, and she bursted into tears because she couldn’t have her cold milk on her morning cereals.

That is the beauty about sailing.

Because on the other side. We sail during the night. With a sky so full of stars I have never seen in my entire life. And the moon shines so bright that it doesn’t seem like night. And when we anchor the following day. It is the most lovely blue coloured water, with white sand beaches with palm trees, we can climb if we want a coconut to feast on.

Sailing is the highest high and the lowest lows.

When all of your clothes is wet (including your bed). And stuff starts the break on the boat. You have had the hardest night sailing. You ask your self why the fuck you are doing this.

It can change so quickly with the most beautiful anchoring spot. A freshly caught tuna on the grill. And you are about to go on the second (or even third) dive of the day where you see manta rays, sharks or even whales. Then it just feels like you couldn’t live life more than you are doing right now.

4 Diving Licenses in 45 Days

Even though the last two months has been so awesome. They have also been quiet tough.

Some of the days have been four dives a day, with the first one at 5:30 in the morning.

And in between dives I would do some repairing on the boat with the skipper onboard (Mathias). Plus I might do some cooking for nine people to feast on. So some of days has been without a break from early morning, to midnight. Even when I’m only doing awesome stuff, I can be really tired some nights.

But today I became a PADI dive master. Which means now have the following licenses:

  • PADI advanced
  • PADI rescue
  • PADI deep speciality
  • PADI dive master

I’m out of $$$

I have invested since 2014. And I have never ever sold a share in order to get some money to spent.

The other day I had sell shares worth of 50.000 DKK (7000 $).

I won’t lie. It did hurt to do so.

I had to do it because I still had 20.000 DKK (3000 $) in leverage. But the company change their ratings on their loans for investing. And it wouldn’t be beneficial for me anymore to have that leverage.

The second reason I had to do it is because I’m out of money.

I’m leaving Indonesia in a couple of days from now. Where a girl I met here on the boat, is going to join me for a couple of vacation days in Malaysia.

After that I will leave for the Philippines where I’m going to do jiu jitsu for two months.

And I do not have a single penny on my account.

So the last 30.000 DKK (5000 $) is going to be spent on my Malaysia trip and the Philippines. Hopefully the money will last.

Habits Will Shape Our Lives

And I’m still working on my “writing on my mobile habit”.

The phone I got for free was my sister’s old iPhone 6. After two months of being at sea that phone is about to die. And I blame the condition of that phone for why I haven’t kept up with my writing.

So in Malaysia I did the thing I probably hate the most.

Shopping.

And I bought myself a new phone. I will never pay what an iPhone phone costs. So I ended up with Samsung phone, it was cheap, and an insanely upgrade for any phone I ever had.

My writing habit will be to write at atleast 50 words every morning. Which can end up in 2-3 blog posts a month.

So stay tuned.