Ciphers From Cindi

Successfully Living A Sustainable Early Retirement Lifestyle On A Lower Income


Who am I? My name is Cindi (which is a nickname my aunt gave me when I was born and it has stuck all these years). I have been financially independent as well as early retired for almost 21 years now (since 2001). I did it through a real estate investment. In 1985 I bought a spec house in the tony Hamptons on Long Island, New York. Hubby and I renovated it, raised our family there and sold it 16 years later in 2001 when the Dot Com Bubble burst, tripling our initial investment.

We then downsized from a 9 room home in a very expensive area to a 4 room, custom-built home situated on 3.5 acres in a less expensive area in upstate New York. Additionally, from the proceeds we were also able to eliminate 95% of our debt, purchase two newish vehicles (one for hubby. one for me) and set up a sustainable savings account. We’ve been able to comfortably retire and survive The 2008 Great Recession and now The Coronavirus Pandemic of 2020 because we carry no mortgage, no car loans, no credit card debt, no student loans. Sounds easier said than done!

This blog is about surviving the economic disasters (which seem to keep popping up during my retirement). How do you maintain solvency when all the world around you seems to be falling apart? How does anyone maintain a wealthy lifestyle when all the factors state otherwise?

You live close to the earth, as minimally as possible with the least amount of demands made on society. I’ve learned a few secrets along the way and I’d like to share them with you.

Living a wealthy lifestyle on a lower income and loving it!

You can follow me also on YouTube by clicking here.

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