One of the great things about having a personal finance blog, is that it makes me focus on my future finances.Â While many people are content to work 8-6 everyday, I've got different plans.Â I've been doing okay by saving my pennies, contributing the max to my tax-advantaged 401k plans, and taking advantage of what I feel are better returns from Prosper.Â However, I'm not sure if it's going to get me to early retirement - or at least the early, early retirement that I'm looking for.
It's difficult for me to save more money without a major lifestyle change, which I'm unwilling to do.Â I don't think I can earn greater returns without huge risk.Â This leaves me starting a new business.Â As a software engineer, almost 85% of my ideas are software-based.Â After all, I have to go with what I know.
I can't go into my idea too much without giving too much away.Â It's not going to be something that earns me money right away.Â It might not even earn me a dime.Â I'm not expecting to have a beta ready until the end of 2007.Â The beauty of this project is that the only way I can fail is by dropping it.Â As long as I continue with it, I'll be learning new technologies that will help me in my professional career.Â Perhaps, the greatest gain will be from a raise when my next employer sees my enhanced resume.
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