The Financial Independence Manifesto

I have zero work ambition.

Sure, when I’m there, I’m making the best of the situation and putting in my highest effort. I wasn’t raised to half-ass anything. Because I don’t want to move into a senior role. I don’t want to become a manager. I don’t even want to get a fucking stand up desk, because that’s defeat, admitting to myself that I have made some sort of commitment to stay there for a length of time.

I sometimes feel as though I’m living among the walking dead in Toronto’s PATH. People who can’t be bothered to hold open a door, to take one moment for goodwill to a stranger because it could interfere with their highly optimized walk to work. Their down-to-the-split-second efficient commute is waiting. I know what it’s like to live so calculated.

When I meet someone at a cocktail party and they ask about what I do, the answer boils this fulfilled and happy life down into a dull work title. I am not my job. There’s so much more to me…. the elation of playing with my pets, the determination I show in a boxing class, the fulfillment I get from my blog, the perfection I aim for when I play the violin. These are the things I live for. And frankly, work is just getting in the way of being able to do them.

I don’t want to be a severe person. A person who unconsciously makes scowling faces, their real self trying to get out. I don’t want to view my future kids as another burden, another check to complete on the to-do list at the end of the work day. There’s a whole world out there and I’m spending 8 hours in the same chair every day. My world needs a hell of a lot more spontaneity.

So this is why we rise up, this is the financial independence manifesto. This is why we cut the fat out of what society views as something you “deserve”. Because we know being the head honcho, the top rodent of the rat race isn’t an honour. I’m willing to endure a little pain right now for endless time to enjoy life, figure out who I am, do some good instead of just buy things and throw them away. I am a mustachian. I get through meetings because I know I have only 8 more years left to FI, then I never have to endure another. I take transit because my commute is going to suck whether I’m in a Lexus or on public transit. When the weather allows, we bike- pure joy. I’m training myself to be a warrior, defender of my money, so that money can buy eternal freedom.

I am Lady Dividend, and I am more than my job title.

To learn more about financial independence:



  1. JoeHx

    January 17, 2018 at 5:48 pm

    Never half-ass when you can whole-ass!
    For me, FI is the ability to do what I want. There’s all these projects and hobbies that I want to do – build an android app, make a video game, write a book, restore an old car – that I can’t do for various time and financial reasons. Plus I have a child on the way, so I’m going to be wanting to spend as much time with my son and my wife as possible!

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