#my boss is a post doctorate. he’s so smart it’s nuts. i was told AT LENGTH about his cats’ grooming habits | Explore Tumblr Posts and Blogs

freudensteins-monster · 3 years

Text

You Say “Mad Scientist” Like It’s A Bad Thing

Based on my own tumblr post: 3am thoughts… Has anyone written Jane Foster as a mad scientist, I mean like a villain?

Chaotic neutral Darcy and Jane featuring modern/human SHIELD Agent Bucky.

Available on AO3.

Content Warnings: Implied/Referenced Torture, Aftermath of Torture, Amnesia, Memory Suppressing Machine | The Chair (Marvel), Dark, Sort Of, Ambiguous/Open Ending...

In a world full of megalomaniacs, straight up supervillains, and fricking aliens, mad scientists were a dime a dozen. Dr Foster was one such scientist who was quickly moving from mildly irritating to SHIELD’s Most Wanted.

Dr Foster’s gimmick was portals. She first gained international attention when she claimed responsibility (via an untraceable Instagram account, @dr-mthrfckng-foster) for diverting LA’s 405 to a dirt road in rural Australia. Then came a string of impossible robberies – bank vaults and the private collections of the world's richest assholes stripped bare in seconds. Then she created a portal that caused an Indonesian typhoon to bear down on Wall Street, flooding the trading floor. And then she robbed a top secret government black site of some classified technology.

And that’s when Director Nick Fury made finding and stopping Dr Foster SHIELD’s number one priority.

Agent James Barnes had been stuck on suspension for two weeks, with two more to go, and was itching to get back into the field. He had way too much free time on his hands: he’d caught up on his sleep and everything in his Netflix queue. He’d cleaned out his refrigerator, done laundry and enough meal prep to last him until next month. He’d caught up with his family, cleaned his whole goddamn apartment twice, and now he was well and truly bored.

He was out for his fifth run of the week (and it wasn’t even Wednesday) when his work phone rang.

“Thank Christ,” he muttered before answering.

“Barnes.”

“It’s Hill. How’s the arm?”

“Fine,” Barnes grunted, rotating his metal shoulder irritably. “You got something for me?”

“Are you up for a recon mission?”

Usually he would have protested. He headed tactical units. He was an elite ‘first through the door’ kind of field agent. Not that he couldn’t be stealthy and patient - he’d been a sniper in the army for christ's sake - but going unnoticed in public was kind of a problem for him these days; he’d have to wear jackets and gloves in the middle of August to hide his prosthetic for starters.

On the other hand, his mother had been calling him every second day to feed him carb-heavy meals in exchange for help around the house, all while dropping not-so-subtle hints that he should start dating again. Requests for more grandchildren couldn’t be far behind.

“I’ll be there in thirty.”

Thirty-five minutes later Agent Barnes was back at his desk at SHIELD HQ perusing through the increasingly large file of one Dr Jane Foster.

She had been a brilliant student and had earned a PhD in Astrophysics from Culver University by the age of 25. By all accounts she should have been one of the leading researchers in her field, and if doctoral programs handed out superlatives Dr Foster’s would have been “Most Likely To Win a Nobel Prize By 30”.

Unfortunately for Dr Foster, and the rest of the world, she had been forced from that path by a sexist tenured professor who publicly denounced her theories, and the woman herself, as crazy, discredited her published work, and used his influence to ensure she was denied all of the more lucrative research grants.

When federal agents went to interview him after the 405 incident they found his office looking like a tornado had gone through it and the professor himself was nowhere to be found. A few weeks later he stumbled into a US Embassy in Russia after being found wandering in from the forests outside Vladivostok, half mad and still decrying the evils of allowing women into scientific fields.

He had been placed into witness protection and promptly admitted into a psychiatric facility under his new name, and was being monitored by several undercover agents in case Dr Foster felt like punishing him some more.

Anyone else who had a part in ruining Dr Foster’s legitimate career was also under surveillance, as was her mother in London, a terrified ex-boyfriend in Boston, and a handful of known associates, though Dr Foster hadn’t been in contact with any of them in years.

SHIELD and other federal agencies had tried the usual methods of tracking down a rogue mad scientist. They tried to find out where her base of operations was, firstly by looking for any properties in her name, but Dr Foster had been a broke student with an impressive amount of debt (until the day she decided to wipe it, and the rest of Culver’s student debt, out). So if she had property it would definitely not be in her legal name and all but impossible to trace back to her. Then they tried to look for drains on the powergrid. However she managed to generate her portals - SHIELD scientists still hadn’t figured that out - it surely had to be using huge amounts of electricity. So far they’d found six grow labs and two server rooms running illegal god-knows-what, but no Dr Foster.

Agent Barnes read the file twice, reviewed all the transcripts of the interviews with her known associates, and came to one very important conclusion: she had an accomplice.

As smart as Dr Foster was there was nothing in her academic history to suggest that she had a background in computer science that would account for the notable hacks and the untraceable nature of her activities. To add to that several interviewees had made passing remarks about her not having a cell phone for most of her academic career, and how she had zero interest in social media.

Two days later, after getting the okay for a field trip from Hill, Agent Barnes made his way to Culver University to speak to anyone who had even the vaguest recollection of Dr Foster. And that’s how he learnt about the intern.

He’d started by dropping by one of the physics labs where Dr Foster had spent most of her time, and by pure chance met a doctoral candidate who remembered her, and her intern.

“I think her name was Darlene. Glasses. Always on her phone.”

…which led him to the academic advisor who put the two of them together...

“Darcy. Darcy Lewis. She was actually a PoliSci major but left it too late and Dr Foster’s internship was the only one available. She had only been working with her for a few weeks before… before Dr Foster’s funding was revoked and she was asked to leave.”

...who pointed him to one of Darcy’s former professors…

“Average student. Good debater. Often late, and always had a coffee in her hand.”

...who gave him a few names of some former classmates who might remember her…

“Not the worst person to be stuck with on a group assignment. Pulled her weight. Obsessed with her stupid iPod.”

“I swear she lived off pop tarts and coffee. And not Starbucks either. Some stupid hipster chain.”

“Deja Brew. Serious problem. Went through one of those loyalty punch cards every week. Always complained about having to go home for the holidays and resort to big chain coffee shops.”

...which had him driving out to Darcy Lewis’ hometown, located a few hours south of Roanoke, Virginia, stopping first at the local high school to speak to the school principal…

“She’d always been good with computers but wasn’t allowed to use them at home for some reason so she spent a lot of time at the local library using theirs. We had to suspend her once. One of her classmates accused her of accepting payment from other students to hack the school’s records and alter their grades. Their grades were definitely getting altered, but we couldn’t get any concrete proof it was her.”

...who was able to find a photo of 16 year old Darcy in an old yearbook and told him what bar he could find Darcy’s mother in.

“She knows not to come to me if she’s in the shit, because I would call the cops in a heartbeat. Especially after that stunt she pulled before she went off to college…”

“What stunt was that, Ms Bennett?” Agent Barnes asked patiently, hoping he wouldn’t have to enable her alcoholism to get some useful information.

“I made some mistakes, okay,” she slurred defensively. “I was having an affair with my boss. Don’t know how Darcy knew. She told her stepfather but he didn’t believe her. Then a few weeks later we went out to dinner for my boss’s birthday... all the tv’s in the bar start showing security camera footage of us falling into offices and motel rooms. Took her all of a minute to ruin two marriages and a law firm.”

“I’m sorry to hear that,” he replied diplomatically. “Is there anyone she could turn to for help? Her father, perhaps.”

“He died when she was about twelve. They were as thick as thieves,” she recalled with a tinge of bitterness.

“Was there any place that was special to them? Someone she might go to ground?”

She shook her head. “He used to rent this old cabin near the Catskills off a buddy of his every other year. Winter or summer, Darcy loved it. But it's long gone. Forest fire, I think, the year before his accident.”

Back in his car Agent Barnes reviewed the data points.

Dr Foster had a base of operations somewhere. Had to be private, and as best SHIELD could guess it must be off the grid and Dr Foster must be generating her own power.

Dr Foster was a space nut at heart, and while an abandoned observatory might be too much to ask for, she’d probably want somewhere with minimal light pollution.

And while they could portal anywhere, neither of them spoke any other languages and had no familiarity with any international locations, so they were most likely still State-side. (Dr Foster’s mother had moved to London when Jane was twenty-three, but she’d never found the time to visit.)

Miss Lewis was familiar with the Catskills area. A base of operations there could be very isolated.

Dr Foster was most likely building and modifying her own own equipment so she had to be able to access materials. Sure, she could portal to her local hardware store, but having Darcy drive into the nearest town for supplies would attract less attention.

Miss Lewis had an addiction to coffee procured from Deja Brew, a small hipster chain with only a handful of locations along on the east coast. While she could have found another way to get her caffeine fix, people were creatures of habit.

Miss Lewis was also known for stocking up on poptarts. In one of the only images of the other side of one of Dr Foster’s portals there was what appeared to be, if one squinted, a box of limited edition pop tarts on a counter.

He plugged it all into SHIELD fancy search engines and got a few results back. The most promising was an abandoned ski chalet turned abandoned research station halfway up a mountain, an hour drive away from an up and coming tourist town, whose main street hosted a Deja Brew cafe. They also had a small mom and pop hardware store, as well as a post office, and a grocery store that had still been selling pumpkin pie pop tarts around the time Dr Foster’s portal had been caught on camera.

Agent Barnes came to with a groan. The flesh of his shoulder where it met his prosthetic felt like it was on fire, and he was pretty sure he could smell fried wiring.

The research station had come up in SHIELD’s initial search for a potential mad scientist's lair, but had been dismissed for not using any power and for not sending back any heat signature readings. Perhaps they’d found a way to fool the scanners. Or maybe they just weren’t in the day the readings were taken. Whatever the reason, Agent Barnes had a good feeling about it. He filled his tank up at the nearest gas station and got on the highway, forgoing checking in at the Triskelion on his way past in favour of driving all night. He’d call Hill when he had something solid.

** *** **

“Fuck…”

He willed his eyes open and came face to face with Darth Vader.

Barnes reeled back at the sound of the synthesized voice. “Who sent you? Who do you work for?! The Rebellion?”

“What the fuck!”

It took him until his eyes adjusted to the fluorescent lighting to realise that Darth Vader was wearing a grey knit dress and black tights. Darth Vader laughed and ripped off his mask to reveal a smiling bespectacled brunette underneath. The accomplice. Darcy Lewis.

“Sorry, I was just messing with you, dude,” she teased, tossing the mask over her shoulder. “I’ve always wanted to do that. But seriously, who do you work for? Who knows you’re here?”

“I don’t know what the hell you’re talking about,” he lied. “I was just camping in the woods, man. I saw the lights and decided to check it out,” he rambled in a lazy Canadian accent. “How the hell did I get here? Did you electrocute me?”

He used his not-quite fake panic to test the limits of his restraints. He’d been strapped into some sort of junkstore barber chair, with thick metal shackles locked around his wrists, ankles, and chest. His metal arm could probably make quick work of them but the damn thing was not responding. His panic became a little less fake.

“Just camping, huh?” she echoed back with a raised eyebrow, leaning forward to the point where Barnes couldn’t avoid getting a good look down her top and the 15-carat pink diamond (worth about 40mil and reported stolen in one of Dr Foster’s vault heists two months ago) hanging around her neck. “So that wasn’t you poking around town this morning?” she asked pointedly, drawing his attention to the wall of monitors he hadn’t noticed showing various street cameras around the town. “I’ve got eyes and ears everywhere, dude. You got into town bright and early in a beat up looking truck with plates that didn’t exist two weeks ago and started flashing my yearbook photo around. So, who do you work for?”

He levelled his best steely-eyed agent stare at her and switched back to his native pissed-off Brooklynite accent. “I ain’t tellin you shit, sweetheart.”

“C’mon now,” she cooed, taking a seat on his lap. “Who do you work for? FBI? Interpol? SHIELD? Crawford County Library Services? Listen, I was totally going to return Eat Pray Love, but we had to skip town in a hurry and it got lost in the move. I will totally pay to replace it.”

Years of training (and regular poker games with the Black Widow) had taught him to school his features, even if that last one threw him for a loop.

“Nothing? You sure you don’t want to talk to me? Fine,” she whined. “Jane!”

It was only then that Barnes switched his focus from his captor to his surroundings and realised that there was another occupant puttering about on the other side of the large telescope that took pride of place on a hydraulic platform underneath the research station's retractable roof. The infamous Dr Foster.

“Jane!”

“What?” came the irritated reply.

“Come over here and practise your monologue. Look! You’ve got a captive audience and everything!” she announced, laughing at her own joke.

“I don’t have time, Darcy,” the disgruntled voice argued.

“Hey! I spent two days writing up that monologue, the least you can do is spend twenty-five minutes reading it out loud so I can make sure it doesn’t make you sound too much like a cartoon villain.”

“Twenty-five minutes?! Are you kidding me?” Dr Foster stormed out from behind the telescope to wave a wrench at her assistant. She looked less put together than her ID photo, appearing to be long overdue for both a shower and a nap. “I’m in the middle of something. I’ve almost figured the problem with the mobile portal generator, and… Darcy, why is there a man tied to a chair in my lab?”

“This man?” Darcy snorted, taking Barnes’s chin in her hands and wiggling it about. “This is the intruder. You remember the intruder alert, like fifteen minutes ago? Lots of flashing lights and alarms? Well, I found this guy passed out on the lawn. For most people, hitting my force field would be like getting lightly tased, but this bad boy,” she continued, tapping a fingernail against his dead metal arm, “meant you ended up getting the full 50,000 volts to your heart. Thanks for letting me practice my CPR by the way,” she added with a wink.

“It’s not a force field, Darcy. It’s a glorified invisible pet fence, upsized and modified so it reacts to the electrical impulses in the human body.”

“It keeps people out; I’m calling it a force field.”

This was definitely the weirdest interrogation he had endured by a large margin, Barnes mused as he followed their bickering like a pingpong game.

“Who is he, Darcy?” Jane sighed wearily. “What is he doing here?”

“Fiiiine. Janey, meet Agent James Barnes of SHIELD.”

“What?! SHIELD?!!”Jane screeched. “Why did you bring him here?”

“He found us, Jane. What was I supposed to do?”

“Something other than bringing him inside our secret hideout.”

“I am not killing him and burying him in the woods; I just did my nails.”

Jane scowled, turning the full force of her overtired fury on James. “Why can’t you SHIELD issue jackbooted thugs just leave me alone? Can’t you understand how important my work is? I am challenging the very foundations of modern science - of the laws of the universe! I am on the verge of a breakthrough! And if you or Nick Fury think you can stop me, you’ve got another thing coming!”

Before his mouth could betray him and ask how the hell they knew his boss Darcy spoke up.

“A little off script, but I like the energy, Jane. Very much the mad scientist vibe we’re going for. But next time, try not to make it so personal – we’ve got to hide the target of our frustrations, remember? Instead of saying “SHIELD” say “government”, instead of saying “Nick Fury” say “president”.”

“Right, right,” Jane nodded absently, tapping the side of her head with the wrench she had just been waving around like a weapon.

“Now, go back to work. I’ll handle this.”

“Okay, thanks Darce. Oh, have you seen my soldering iron around?”

“It’s in the locked cabinet because you’re not allowed to use it unsupervised, you know that. Gimme ten minutes, I’ll bring it to you.”

Jane wandered back to her side of the observatory, muttering under her breath, leaving Barnes at Darcy’s mercy.

“She’s not the criminal mastermind here, is she?” he wondered, his eyes roaming over the strange cupcake of a woman in his lap.

“Not exactly,” Darcy admitted. “I mean, it’s not like she set out to be a mad scientist. I kind of rebranded her after that little freeway incident.”

“Rebranded?”

“Yeah. She was in a bad way after New Mexico and then when the first live test of her portal engine went a little sideways I didn’t want dudebros on the internet coming after her, so I changed the narrative. Instead of ‘girl scientist makes mistake, should stick to making sandwiches’ I changed it to ‘Dr Foster, genius astrophysicist, causes chaos, totally on purpose.’”

“And all those robberies?”

“I may have encouraged that. I’m all for sticking it to the one percenters, and Jane needed to fund her experiments somehow,” she added with a shrug.

“So Jane’s the absent-minded professor and you’re the brains behind this operation, huh?”

Darcy laughed and slid out of his lap causing a distracting amount of friction. “I’m really not. So you, Coulson, and Fury should be really, really scared.”

“How do you know those names?” he had to know, cover be damned.

“You don’t know? Of course you don’t,” she huffed. “Fury and his clearance levels. I’d tell you to ask him about New Mexico sometime, but you’re not going to be able to.”

“Why not? What are you going to do to me?” Barnes fretted, unable to ignore the sinking feeling that he was in big trouble; she wouldn’t have told him anything if she intended on letting him walk out of here.

“Oh, relax. I’m not going to kill you. I’m just gonna scramble your brain a little.”

She circled his chair, flipping switches as she went, and something behind him started humming ominously.

“So, admittedly I didn’t major in hard sciences. I had an ex who did, but he also fancied himself something of a cat burglar, so when he went to jail I liberated all his college textbooks and gave myself a crash course in electrical engineering. And it helped that those HYDRA designs were really easy to follow.”

“HYDRA?” Barnes cursed.

HYDRA had been the scientific branch of the Nazi regime and believed that discovery required (human) experimentation. They were supposedly eradicated at the end of WWII but Project Paperclip saved some of HYDRA’s greatest minds, giving them immunity in exchange for their genius. If Foster or, more worryingly, Darcy had aligned themselves with some surviving HYDRA faction the results could be catastrophic.

“Yeah, I found them in that SHIELD warehouse when we recovered Jane’s stolen research.”

“What are you talking about?”

“They just call it ‘The Chair’, which is totally not creepy at all,” she continued as if he hadn’t spoken. “And this is the Halo,” she added, drawing Barnes’s attention to the whirring circle of metal that was lowering itself over his head.

“What the hell are you doing?” he shouted, renewing his efforts to break free of his restraints. “Get that piece of scrap metal the fuck away from me!”

“Hey! Don’t mock my work. It may look like I raided a junkyard for the components - and I did - but my welding game is on point. It’s totally safe. Mostly safe. It’s just going to send focused electrical pulses to your…” she paused to consult some smudged writing on her hand, “hippocampus and prefrontal cortex.”

The Halo stopped moving and two metal plates extended, pressing against the sides of his head, holding it like a vice.

“Please… don’t do this,” he begged as she approached him with a rubber mouthguard.

“C’mon, open wide. You don’t want to end up braindead and unable to chew your food,” she jested, waving the thing in front of him. “Oh, just one question before I fry your brain,” she added just when he was about to give in. “How did you find us? I was so careful,” she whined.

Agent Barnes, terrified as he was, still managed to look smug at his small, short lived success. “Deja Brew coffee.”

“Curses!” she wailed theatrically. “Betrayed by my one true love!”

Darcy huffed and quickly returned her attention to the matter at hand.

“Thanks for that,” she said with a smile as she forced him to bite down on the mouthguard. “I’ll know better for next time. Start making my own coffee at home… but it never tastes as good,” she muttered to herself.

She stepped away from him and bent down to pick up a similarly frankensteined industrial remote with long wires snaking back to the chair and a clichéd big red button at its centre. He began struggling anew, screaming around the foul tasting rubber, begging for mercy.

She took great delight in his terrified expression and put on her best supervillain voice, “Give my regards to Nick Fury.”

Nick Fury observed his agent from behind a two way mirror as he sat behind a table in an interrogation room. Barnes had been sitting there for the past hour as still as a statue, except for his unfocused eyes which flitted about the room.

In true horror movie fashion, Agent Barnes’ screams echoed down the mountainside like an avalanche, sending animals fleeing in terror for miles around.

** *** **

Local LEO’s had found him wandering aimlessly down a stretch of highway just outside the ruins of what had previously been Puente Antiguo, New Mexico, and ten minutes after they ran his prints Agent Romanoff had been on a quinjet to collect him. She’d been directed to the nearest hospital and found him sitting up on a bed but not responding or reacting to any of the medical staff as they buzzed around him. Agent Romanoff took a cautious step forward and held her breath as his unfocused eyes settled on her.

“Hello James...”

An excruciating minute later the veil lifted and he attempted a smile.

“Hey Tasha.”

She’d brought him back to base and dragged him to SHIELD’s medical bay for more tests - not that Barnes put up much of a fight, in fact he was terrifyingly compliant. The SHIELD doctors confirmed what the New Mexico doctors suspected: the bruising and electrical burns around his temples and his memory loss were indicative of some back alley version of electroshock therapy. His memories should come back in time - how long was anybody’s guess - but for the moment Agent James Barnes had no memory of the last four weeks.

Fury picked up a tablet with depressingly little information on its screen and stepped into the room, waiting for Barnes eyes to focus on him before taking a seat.

“Agent Barnes.”

“Director.”

“I know you’re probably sick of questions by now, but I have a few more for you, if that’s alright.”

“Yeah, sure…”

It rankled Fury to no end how meak and passive Barnes seemed. Heaven help him, he missed the argumentative sonofabitch.

“What’s the last thing you remember?”

“Being called into your office.”

“What for?”

“I punched Rumlow.”

“Why?”

“He was bragging about taking advantage of a drunk woman at a club when he was last on leave. He didn’t like me calling out his shitty behaviour. He punched me, I punched him back.”

Fury sighed. He hadn't gotten a straight answer out of Barnes at the time of the incident and he couldn’t feel happy about getting one now.

“Do you remember what happened once I called you into my office?”

His brow creased and his eyes zipped back and forth like the carriage of a printer as his mind searched for the elusive memory.

“You suspended me?”

“I did,” Fury confirmed. “For a whole month. But two weeks into it I pulled you in for a special assignment.”

Barnes tensed, shrinking in on himself. The confusion about his lost time seemed to be the only thing that got under his skin, but only when someone brought it up. Once the moment passed he forgot to be concerned about it.

Fury took pity on him. “For the past two weeks I had you running down leads on the whereabouts of Dr Jane Foster.”

“The scientist with the portals? Did she do this to me?”

“It’s not exactly her MO, but then again no law enforcement agency’s ever managed to have a confrontation with her. Never had the chance. Those portals of hers let her keep at a distance. You might have been the first person to have a face to face with her, but I can’t confirm it because I don’t know where the hell you were when this happened,” he grumbled, letting a little more of his usual exasperated tone filter through. “You missed check in by two days. The last we heard from you, you were at Culver running down leads on what you said was a potential accomplice. We found your car in Tromso, Norway, a day after you were found on the side of a road in New Mexico. You don’t appear on any security footage or speed cameras in the area. There’s no activity on your work or personal credit cards. Your activity logs on our highly secure system for the last two weeks are nonexistent, as are your call logs on your work phone. Even the messages you sent Romanoff from your personal phone complaining about your assignment have since been deleted - from her phone too. She’s real pissed about it. As far as your digital footprint is concerned you disappeared from a gas station outside Roanoke, Virginia, last week - do you know how weird it is to know you were headed out towards a place called Roanoke only to up and vanish?” He sighed at Barnes’ painful silence. “Is there anything you can remember, anything at all about Dr Foster or her accomplice? Anything that will help us catch up to you without talking to everyone on campus to figure out what you discovered?”

Barnes’ brow creased in painful confusion.

“I think… I think I saw Darth Vadar.”

Director Fury blinked. “Right…” He took a deep breath to stop himself from venting his frustrations at Barnes, the sorry bastard looked like a kicked puppy as it was. Instead he got up and tapped the tablet against the metal tabletop harder than strictly necessary. “Well, I’ll just go put out a BOLO out for Darth Vadar then.”

“Okay,” Barnes murmured, and promptly zoned out again.

Agent Romanoff exited the viewing room looking uncharacteristically unsettled.

“I want a full detail on him at all times,” Fury ordered as he stormed off towards the elevators. Hill had just stepped off and was looking even more grim than usual. “Until his memories come back he’s vulnerable, and once they do he’ll be a target.”

“I’ll get a STRIKE team on it. Not Rumlow’s.”

“Get another one along with any assets currently not on assignment. Flood that campus, interrogate everybody. I wanna know who the hell Dr Foster’s accomplice is, and I wanna know yesterday. Understood?”

“I think we might have more pressing concerns, sir,” Hill reported, tapping at her tablet as it beeped erratically. “Coulson’s said there’s an issue with the Tesseract. Dr. Selvig read an energy surge from it fifteen minutes ago.”

“NASA didn't authorise Selvig to test phase,” he grunted, taking the tablet from Hill.

“He wasn't testing it, he wasn't even in the room. Spontaneous advancement.”

“Motherfucker.”

#you say mad scientist like it's a bad thing #freudensteins-fics #mad scientist jane foster #competent assistant darcy lewis #shield agent bucky barnes #torture #aftermath of torture #amnesia #winter soldier memory wipe chair #darcy lewis #jane foster #bucky barnes #natasha romanoff #nick fury #maria hill

74 notes · View notes

asfeedin · 4 years

Text

Latest Romance Book Releases – 04-28-2020

HAPPY TUESDAY NEW RELEASE DAY!! It’s a BIG list fully loaded with 85 books!!!! And yesterday’s list rocks worlds too, and then… I reviewed and awesome one so we have PLENTY to read, my friends.

In fact… Jan was already prepared!

Jan: Three new release preorders arrived on my kindle this morning. Whoops! I’d forgotten I’d ordered two of them. Where the Lost Wander (which I think I might read first), A Duke by Any Other Name by Grace Burrowes and another HR, Heiress for Hire by Madeline Hunter.

And while you’re here, don’t forget to check out:

AUDIOBOOK LVERS!

Not a member of Audible yet? Get a free 30 day audible trial (which includes 1 free audiobook + 2 audible originals)

READER RECOMMENDATIONS & BARGAIN FINDS:

TWO MONTHS FREE KINDLE UNLIMITED DEAL!!! <— If you haven’t tried it yet, now’s your chance (it’s still going on through the end of April).

and…

Infinite Us by Eden Butler <— EDEN BUTLER RE-RELEASE! “…Nash Nation loves zeroes and ones, over-sized monitors, and late office hours. He’s too busy taking over the world to make time for relationships—that is, until his new neighbor Willow O’Bryant barges into his life, and now Nash can’t shake the feeling that this isn’t the first time she’s interrupted his world. Then, the dreams start. And in the dreams—memories...”

Kathy: On Amy Harmon’s Facebook page, she posted that she read Eden Butler’s Infinite Us and highly recommended it.

Mony: Just finished The Cornerstone by Kate Canterbary and loved it! Steamy story about Hot Guy & Sassy Girl as they steer through one night stands into something more. Sassy Girl is great – sharp-witted & a tough nut to crack. H is a great alpha. Loved the slow burn & Hot Guy’s transformation. Banter between h & H is clever and even sharper in second half.

A 4.5-star read (deduction cause too much about h’s family). Plan to read The Spire (#6 in series)…story about Hot Doctor & Rebel Girl. Thanks Jan for mentioning this author!

Cicely: Hi Maryse! I just want to share that Absolution, the third book from The Disenchanted series from L.D. Davis is out now too!! The series is great and is worth some extra love.

Angst loving fanatic like me would love it!!!

Michele G: Tasha, where are you? I read it because of your high marks….you weren’t wrong!! I just finished The Sun Down Motel and it was AMAZING!! I listened to the audiobook and felt like I was in an episode of the Twilight Zone …or something at times…..so so good!!! I highly recommend!

Tasha J: YESS!! *claps hands* So glad you loved it

PARANORMAL/FANTASY/SCI-FI/DYSTOPIAN NEW RELEASES:

Shadowborn Academy: Year Three (Dark Fae Academy Series Book 3) by G. Bailey and Scarlett Snow <— REVERSE HAREM FAE!!

Possessive Alien Mate (Savage Martians Book 2) by Sue Mercury

Dragon Hero: Guardian Dragons of Prospect Falls by Serena Meadows

Playing Cards With Aliens (Kilbus Lord Book 1) by Erin Raegan

Mating Fever (Morgan Clan Bears, Book 3) by Theresa Hissong

The Unbound Queen: A Novel of the Four Arts by M.J. Scott

Wishes, Wings, and Woes: Reverse Harem Urban Fantasy (Gods and Demons Book 2) by Kaye Draper

The Impassioned Choice (Etherya’s Earth Book 5) by Rebecca Hefner

The Rising Queen Discovery in Water (The Elemental Chronicles Book 3): Reverse Harem Fantasy Romance Series by Gina Manis

Hidden Princess (The Elements Series Book 1) by M.A. Roth

Flourish: A High Fantasy Reverse Harem (The Blooming Courts Book 3) by Kendra Moreno and Poppy Woods

Kissed by the Alien Mercenary (Warriors of the Lathar Book 12) by Mina Carter

The Fourth Power: A Paranormal Women’s Fiction Romance Novel (Order of Magic Book 3) by Michelle M. Pillow

Starbreaker (Nightchaser Book 2) by Amanda Bouchet

Embracing Destiny (The Fae Chronicles #6) by Amelia Hutchins <— ELA FOUND IT!!!

Ela: MARYSE!!!!!!!!!!!!!!!!! Embracing Destiny (The Fae Chronicles #6) by Amelia Hutchins IS LIVE!!!!!!!!!!!!!!!!!!

CONTEMPORARY NEW RELEASES:

Where the Lost Wander: A Novel by Amy Harmon <— AMY HARMON ALERT!!! “…The Overland Trail, 1853: Naomi May never expected to be widowed at twenty. Eager to leave her grief behind, she sets off with her family for a life out West. On the trail, she forms an instant connection with John Lowry, a half-Pawnee man straddling two worlds and a stranger in both. But life in a wagon train is fraught with hardship, fear, and death...”

Tasha J: I finished Where the Lost Wander and I’m in . I cried a little when it was over. *sigh* Such a good book. …Where the Lost Wander is my best of read of the year for sure.

Mony: Where the Lost Wander is now on TBR list…thanks Tasha!

Michele G: I’m also reading Amy Harmon’s Where the Lost Wander and loving every word! She is such a versatile writer. I’m always amazed.

Rafe: An Arizona Vengeance Novella by Sawyer Bennett <— SAWYER BENNETT HOCKEY STAR SECOND CHANCE ROMANCE ALERT!! “…Now I’m home and when I’m not on the ice with my new team, I’m helping care for my dad. And in the midst of my grief, I find comfort from the one person I never expected. Calliope Ramirez stole my heart at a very young age. The beautiful, smart, headstrong girl next door, she was my first… everything. She has never forgiven me for leaving her, believing that I chose hockey over a future together. What she doesn’t understand is that every decision I made was for her, and I’ve never given up hope that one day we’d be together again...”

To My Arrogant Boss (The Inappropriate Bachelors Book 2) by J. S. Cooper <— SHE TOLD OFF HER GRUMPY BOSS! “…I thought it was time that someone addressed your big head and told you straight to your face that you’re not all that. Just because you have an Ivy league education doesn’t mean you’re the smartest man in the world. In fact, I’m not even sure if you would have gotten in if you didn’t have rich parents. Yes, I went there…”

Can’t Fight The Moonlight (Whisper Lake Book 3) by Barbara Freethy

Enchanted (The Accidental Billionaires Book 4) by J. S. Scott

Mayhem’s Betrayal: Operation Mayhem Book 5 by Lindsay Cross

A Monster’s Beauty (In the Arms of Monsters Book 3) by Sam Crescent <— TRILOGY CONCLUSION ALERT!!

Nailed (Four Bears Construction Book 2) by K.M. Neuhold

Heiress for Hire (A Duke’s Heiress Romance Book 1) by Madeline Hunter <— HISTORICAL ROMANCE ALERT!! “…Now he’s insisting that Minerva has inherited a fortune from his uncle, a wealthy duke. Only one thing could surprise her more: her sudden attraction to this exasperating man...”

Taking Liberty (The Next Generation Book 7) by Riley Edwards

Fierce Shadows: Shadows Landing #4 by Kathleen Brooks

Dirty Desires by Crystal Kaswell <— SHE NEEDS MONEY FOR HER SISTER’S MEDICAL BILLS... “...Ian Hunt has specific tastes. The feisty student is perfect. He has to have her. His offer is simple. Six figures. Thirty days. Him introducing her to every kind of pleasure. It’s ridiculous. The British businessman is richer than sin and hotter than hell. He can have any woman he wants. Why her?…”

Ransom for a Song (The Rockwater Suite Book 3) by Phyllis Clark Nichols

Still Wicked (The Wickeds Book 6) by Kathleen Ayers <— HISTORICAL!!!

Counting On Cole (Wilde Ways Book 8) by Cynthia Eden <— SHE HAD BEEN KIDNAPPED & HE RESCUED HER… “…Evangeline “Evie” Lake fell hard and fast for her tall, dark, and dangerous rescuer. Then he flew her back to her home, kissed her goodbye on the doorstep, and walked his sexy self away with looking back. He broke her heart into a million little pieces, and she swore off the “bad boys”—they were just trouble she didn’t want. Case closed...”

Hard Edge (Cobra Elite Book 4) by Pamela Clare

Cole’s Mistake (Haven, Texas Book 8) by Laylah Roberts

B*stard: Royal B*stards MC (Texas) by Sapphire Knight

Finally (Neighbor from Hell Book 12) by R.L. Mathewson <— R.L. MATHEWSON’S LATEST NEIGHBOR FROM HELL!!! “…After years of putting off taking the next step, Charlie was finally ready, mostly because her best friend had threatened to make her life a living hell if she didn’t. Knowing that she wouldn’t be able to pull this off unless she made some changes, Charlie somehow finds herself moving into the in-law apartment of the man that seemed to go out of his way to avoid her only to find herself wondering if she was chasing the wrong dream after all...”

Treasure Island SEAL: Pirate SEAL Rescues his Mermaid (Sunset SEALs Book 3) by Sharon Hamilton

Torque (Wicked Mayhem MC Book 1) by Harley Wylde

An Officer, Not a Gentleman: A Traditional Regency Romance (Brethren in Arms Book 3) by Elizabeth Johns

The Billionaire’s Fake Fiancée by Annika Martin <— HE NEEDS SOMEONE THAT IS NOT HIS TYPE AT ALL… “...my people go and hire Tabitha. My hairdresser. What were they thinking? Yes, I said annoying, but I didn’t mean Tabitha, the most frustrating woman in the world. Tabitha is sunshiny. She has a pet hamster. She loves Hello Kitty, and she gets under my skin like nobody else. As if that’s not bad enough, the minute we step on deck, she thinks that certain people on the yacht are up to something shady–based completely on her soap opera knowledge. She won’t listen when I tell her she’s being ridiculous...”

Saint (Heartlands Motorcycle Club Book 4) by Hope Ford

Hot SEAL, Bachelor Party: A Brotherhood Protectors Crossover Novel (SEALs in Paradise) by Elle James

Carpentry and Cocktails: A Heartfelt Small Town Romance (Green Valley Library Book 5) Nora Everly <— HE’S HER NEW NERDY-HOT LANDLORD!! “…Willa Hill has finally left her teen runaway past behind and wants a fresh start—alone. Men are nothing but trouble and she’s had enough man-trouble to last a lifetime. Too bad her irresistibly sexy, nerdy-hot landlord doesn’t agree. When their mutual yearning becomes a white-hot fling and passion crosses carefully drawn, albeit one-sided boundaries, Everett finds himself in love and Willa finds herself in a pickle. Because, unfortunately, when she returned to Green Valley, her problems came too…”

The Virgin and the Rogue (Rogue Files Book 6) by Sophie Jordan <— HISTORICAL!!

Unmatched Love: Henry & Lei Lu: A SEAL & Strong Heroine Military Romance (Black Swan Book 6) by KaLyn Cooper

Lessons in Lemonade (Starving for Southern Book 3) by Kathryn Andrews

Island Affair (Keys to Love Book 1) by Priscilla Oliveras <— THE FIREFIGHTER IS HER FAKE FIANCÉ!! “...Sought-after social media influencer Sara Vance, in recovery from an eating disorder, is coming into her own, with a potential career expansion on the horizon. Despite the good news, her successful siblings (and their perfect spouses) have a way of making her feel like the odd one out. So, when her unreliable boyfriend is a no-show for a Florida family vacation, Sara recruits Luis Navarro—a firefighter paramedic and dive captain willing to play the part of her smitten fiancé…”

A Shot at Redemption: The Detectives of Hazel Hill – Book Four by Liz Bradford

Losing It All (The Hellfire Riders Book 7) by Kati Wilde

A Duke by Any Other Name (Rogues to Riches Book 4) by Grace Burrowes <— HISTORICAL!!

Airborne by DiAnn Mills <— A VIRUS WAS RELEASED... “…As the virus quickly spreads and dozens of passengers fall ill, Heather fears she’s witnessing an epidemic similar to ones her estranged husband studies for a living—but this airborne contagion may have been deliberately released. While Heather remains quarantined with other survivors, she works with her FBI colleagues to identify the person behind this attack. The prime suspect? Dr. Chad Lawrence, an expert in his field . . . and Heather’s husband…”

Head Over Paws (Rescue Me Book 5) by Debbie Burns

Honey Buns: An Opposites Attract Romance by Cat Johnson

The Run Around by Bernadette Franklin <— SHE’S PLANNING HIS WEDDING... “…He wants her to plan his wedding. She wants to be his bride. Diving into the treacherous world of wedding planning, Hope keeps her word and arranges the vows for the one man she believes she could love...”

A Date for Midnight (The Dating Series Book 1) by L.P. Dover and Heidi McLaughlin <— THE ROCK STAR & THE NURSE ALERT!! “…There, amongst the craft beer and pork rinds, she comes face to face with her high school boyfriend, Brennan McLean. He’s a rockstar. She’s a nurse. To say life led them in different directions would be putting it mildly. Still, time hasn’t lessened the electric chemistry between them. By the end of the night more was dropping than just the ball...”

Her Seafaring Scoundrel (The Crawfords Book 3) by Sophie Barnes

The Highlander’s Lady Knight (Midsummer Knights Book 2) by Madeline Martin

How to Not Fall for the Guy Next Door: A Sweet and Humorous Romance by Meg Easton

At My General’s Command (Men of Fort Dale Book 4) by Romeo Alexander <— M/M ROMANCE!!

Swimming in the Dark: A Novel by Tomasz Jedrowski <— M/M ROMANCE!!

The Thief by Bonnie Dee <— M/M ROMANCE!!

The Wedding Dress: A Novel by Danielle Steel <— DANIELLE STEEL ALERT!! “…The Parisian design houses in 1928, the crash of 1929, the losses of war, the drug culture of the 1960s—history holds many surprises, and lives are changed forever. For richer or for poorer, in cramped apartments and grand mansions, the treasured wedding dress made in Paris in 1928 follows each generation into their new lives, and represents different hopes for each of them, as they marry very different men...”

Royally Treasured (Royal Sons MC Book 4) by Elle Boon

A Duke Too Far (The Way to a Lord’s Heart Book 4) by Jane Ashford <— HISTORICAL!!

Duke of Misfortune (Dukes of Destiny Book 4) by Whitney Blake <— HISTORICAL!!

The Rakess: Society of Sirens, Volume 1 by Scarlett Peckham <— HISTORICAL!!

The Hating Season: An Enemies-to-Lovers Romance by K.A. Linde <— K.A. LINDE ALERT!! SHE WAS HIRED TO CLEAN UP HIS IMAGE! “...I’m hired to clean up his badboy image, which would’ve been easy if my life wasn’t falling apart. First, I catch my movie star husband having an affair with his co-star. Then when I return to work, my job is at stake, because Court has gotten himself into trouble…again. Instead of getting him back in line, I find myself falling for his charm...”

Wicked at the Library: A Curvy Woman Romance (Curvy Librarians of Sugar Hill Book 1) by Liz Fox

Reid: An Eidolon Black Ops Novel by Maddie Wade

The Billionaire’s Navy SEAL (Sutton Billionaires Book 5) by Lori Ryan

Knocked Up by the Wrong Prince: An Accidental Pregnancy Romance (Knocked Up Royals Book 6) by Lilian Monroe

Who Will Save Your Soul: And Other Dangerous Bedtime Stories by Skye Warren <— SKYE WARREN ANTHOLOGY ALERT!! “…Features four novellas by New York Times bestselling author Skye Warren. Each standalone story ends in a happily ever after….”

Kyler’s Blind Date Seduction (Hot Hunks Steamy Romance Collection Book 4) by Stephanie Morris

Not the Bodyguard’s Boss: Sweet Bodyguard Romance (Hastings Security Book 3) by Lorin Grace

Necessary Risk (Aegis Group Task Force Book 4) by Sidney Bristol <— SHE HAS TO INFILTRATE A HAREM… “...Ivy Ashley is striking out. Fired from her gig as a live-in bodyguard, she’s at the end of her rope when she is asked to join a special task force for a one-off undercover job. It’s easy. All she has to do is infiltrate a harem. She even has back-up in the form of a lone-wolf spy with the sexiest lips she’s ever kissed…”

ImPerfectly Happy by Sharina Harris <— “…When four college friends formed the Brown Sugarettes Mastermind Group, they had very different goals—but matched each other in ambition. Yet ten years later they can’t help wondering what happened to the hopeful, confident, driven women they used to be—and how to get them back . . .”

Asking for Trouble (Credence, Colorado Book 3) by Amy Andrews

The Letter by Anthony Sciarratta <— FORBIDDEN LOVE SOULMATES ALERT!! “...Victor Esposito mysteriously dedicates every novel he’s ever written to one woman. His trademark protagonist fits the description of Eva Abrams, the bright-eyed and blonde Long Island housewife. Tragedy suddenly strikes Victor’s life when a courageous act leaves him in a coma. Hearing the news from a television broadcast, Eva finds herself suddenly overcome with the memories of a love affair she’d left behind a decade ago…“

Undeniably Perfect (Perfectly Imperfect Love Series Book 1) by S.E. Rose

Promise Me Always (Against All Odds Book 4) by Savannah Kade

How To Date Your Brother’s Best Friend: A snarky, steamy contemporary romance by Karigan Hale

Hook Up (Taking Chances Book 2) by TC Matson <— HER BOYFRIEND IS IN LOVE WITH SOMEONE ELSE... “…While I’m helping my best friend plan her wedding, I get hit with a bomb. One that ruins all my hopes and dreams of marriage and starting a family. My long-term boyfriend isn’t only a lying, cheating, piece of worthlessness, He’s also in love with the woman he’s been seeing behind my back. Now I’m forced to act like my best friend’s wedding isn’t going to hurt my soul while I try to mend my heart. What’s the best way to get over a broken heart? A no strings attached hook-up…”

Spooning Leads to Forking (Hot in the Kitchen Book 2) by Kilby Blades

Gone With the Rogue (First Comes Love Book 2) by Amelia Grey <— HISTORICAL!!!

Searching for Signs by Mandy Lee <— “…Fans of the award-winning and beloved television series “The Office” will enjoy a story reminiscent of Jim and Pam’s long-awaited and championed romance, while readers less familiar with the show will enjoy a bilateral story of two sensible people navigating the hardships of love and loss while stuck in their small Southern town and surrounded by quirky personalities...”

Deep in the Alaskan Woods (An Alaska Wild Novel Book 1) by Karen Harper <— SHE MOVES TO ALASKA FOR A NEW START… “…Alexandra Collister came to her estranged cousins’ B&B in Falls Lake, Alaska, looking for a fresh start. The surrounding forest can be harsh and unforgiving—luckily, rugged wilderness tracker Quinn Mantell offers to be her guide. Still recovering from a toxic previous relationship, Alex is wary of getting too close, but when savagely deep claw marks appear outside her bedroom window, keeping her distance from Quinn is no longer an option. Then a body turns up exhibiting the same ruthless slash marks, and Alex knows it isn’t a coincidence…”

The Ingredients of You and Me: A Novel (Hopeless Romantics Book 3) by Nina Bocci

Under an Alaskan Sky (A Wild River Novel Book 2) by Jennifer Snow

PREORDERS (going live soon!!! )

➔➔➔ Get Maryse’s Book Blog updates delivered by email (you’ll get one daily email that will have each post from that day consolidated on it).

Source link

Tags: 04282020, Book, Latest, Releases, Romance

from WordPress https://ift.tt/2Sw9kOr via IFTTT

#IFTTT #WordPress #Asfeed.in #asfeed #asfeedin #asfeed blog

1 note · View note

foursprout-blog · 6 years

Text

The stages of financial freedom: The road to financial independence

New Post has been published on http://foursprout.com/wealth/the-stages-of-financial-freedom-the-road-to-financial-independence/

The stages of financial freedom: The road to financial independence

Today we’re going to explore the six stages of financial freedom. First, though, I want to introduce you to my friends Mac and Pam.

Pam is a pathologist and an elite ultra-runner. Mac is a former high-school science teacher and current stay-at-home dad. Together, they form a formidable financial team.

They’re also a couple of nerds. I mean, look at them!

Maybe because they’re such nerds, Mac and Pam have always put an emphasis on saving. But they don’t just pinch pennies. They’ve optimized their lives to boost their income and their happiness. They’re well on their way to financial independence. In many ways, they epitomize the ideals espoused by my Money Boss philosophy.

The Money Boss Method in Real Life

When Pam was in her final year of med school, for instance, Mac worked as a research tech at a neuroscience lab. He brought home only $18,000 but they were careful to avoid living paycheck to paycheck.

“We would pay the rent,” Mac says, “we would put money into savings, and we’d still have money left over at the end of the month. We made choices not to buy the little things that could have killed our future.”

After med school, Mac and Pam moved to Portland. While Pam did her pathology residency at Oregon Health & Science University, Mac taught high-school science. At that time, their salaries were similar.

When their first child was born in January 2005, Pam took maternity leave until Spring Break. From Spring Break until the end of the school year, Mac brought the baby with him to work and placed her in the student-run daycare.

“Counting the cost of daycare, my teacher’s salary went down to minimum wage,” Mac says. At the end of the school year, he asked for a year off. That year turned into forever. “It came down to whether I wanted to raise other people’s kids or whether I wanted to raise my own.”

The traditional choice is for the mother to stay home with the kids, but that seemed silly in their situation. With her residency completed, Pam could earn four or five times what Mac could make as a teacher. “It didn’t make sense to throw away the money we spent on Pam’s education to not reap the benefits of that education.”

For the past decade, Mac and Pam have worked in tandem toward family and financial goals. Pam makes the money. Mac takes care of two kids and day-to-day household operations while also managing their investments. They’re both careful with spending.

“We spend a lot less than all of our friends who earn similar amounts,” Mac says. “Lots of our doctor friends have multiple houses. They own fancy cars. They spend lots of money and we don’t. Neither of us wants a second home. I drive a 2007 minivan and Pam drives a 2004 Avalon. Our only debt is our house. We pay off our credit cards every month and we have no car payments.”

From the beginning, saving has been a priority for Mac and Pam. And as they earned more, they saved more. It’s true their spending increased too, but at nowhere near the same rate. A higher income meant they could put more in the bank — not buy more stuff.

Because they’ve been so diligent for so long, Mac and Pam will be able to retire in their forties. They’ve made the choices and done the work necessary to achieve Financial Independence at a young age.

“We’d rather accumulate our wealth, to live how we want later in life than spend on things now,” Mac says. Yes, they could afford to buy things today, but doing so would require sacrificing more important opportunities tomorrow.

These two are money bosses! They’ve been climbing the ladder of financial freedom for a long time.

The Six Stages of Financial Freedom

I used to believe that financial freedom meant just one thing: Having enough money that you never had to work again. Over the years, people like Mac and Pam have taught me that financial independence exists on a continuum. It’s not “all or nothing”, but an ever-increasing range of options. It’s a process.

Each stage of financial freedom allows you greater autonomy and self-expression, and these are qualities that lead to happiness.

Nearly a decade ago, I came up with what I called the three stages of personal finance. Later, I expanded this to four or five stages. Today, I recognize there are many degrees of financial independence.

For our purposes, we’re going to keep things simple.

After blending my ideas with those of Joshua Sheats at Radical Personal Finance, I’ve come up with a model that tracks six stages from financial dependence to financial abundance.

But before you can begin progressing through the six stages of financial freedom, there’s a preliminary hurdle you have to clear. You’re in this “zeroeth stage” if your expenses exceed your income.

Stage 0 – Dependence

In this stage, your lifestyle depends on others for financial support. We all start here. We’re born this way. How long it takes to break free varies from person to person. You’re in this stage if you rely on financial support from your parents. You’re in this stage if you spend more than you earn. You’re in this stage if your debt payments exceed your income.

After you begin to earn a profit, you begin to progress through the six stages of financial freedom. The first three are the “surviving” stages.

Stage 1 – Solvency

Solvency is the ability to meet your financial commitments. You reach this stage when you no longer rely on anyone else for financial support — when your income exceeds your expenses, when you are no longer accumulating debt. When you are earning a profit, you have achieved solvency. Some people reach this stage in their teens. Some never reach it. (I reached it at age 35 in October 2004, when I stopped debting and began to repay what I owed.)

Stage 2 – Stability

You achieve stability once you’ve repaid your consumer debt, established some emergency savings, and continue to earn a personal profit. You may still possess some “good debt” — college loans, a mortgage — but you’ve eliminated other obligations and built a buffer of savings to protect you from unfortunate events. (I reached this stage at age 38 in December 2007, when I made my final debt payment.)

Stage 3 – Agency

The final “surviving” stage is free agency, the ability to work and live how and where you want. In this stage, you’ve eliminated all debt (including student loans and mortgage) and you have enough banked that you could quit your job at a moment’s notice without hesitation. This is commonly called “screw-you money”. (I achieved agency in March 2008.)

Note: I know first-hand there are times you might prefer to carry a mortgage even if you don’t have to. For the purposes of this stage, if you have enough saved and invested to pay off your mortgage, it’s the same thing as not having one.

In the final three stages, you move from surviving to thriving. Money is no longer a safety net, but a tool to help you build the life you envision for yourself and your family. Remember our discussion of the “crossover point” earlier this week? That concept is key to defining where you are in these latter stages of financial freedom. (Each of these stages assumes no debt. Or, as explained in the note above, enough cash on hand to instantly repay your debt.)

Stage 4 – Security

You achieve financial security when your investment income can cover your basic needs. That is, based on how much you have saved and invested, you could live a meager existence for the rest of your life. Even if you never worked another day in your life, you have enough to afford simple housing, basic food, essential clothing, and insurance.

Stage 5 – Independence

Financial independence is the ultimate goal for most folks. At this stage, your investment income is sufficient to fund your current standard of living for the rest of your life. You can afford the basics, but you can afford some comforts too. You have Enough. (I leaped from agency to independence in April 2009. This is the stage I’m in today.)

Stage 6 – Abundance

In the final stage of financial freedom, you have “enough — and then some”. Your passive income from all sources will not only fund your lifestyle indefinitely, but grant you the freedom to do whatever you want. You can share your wealth with others. You can indulge in luxury, explore the world. You can build a business empire.

Note: Where am I on this scale? I’ve definitely achieved Financial Security. If you’d have asked me a year ago, I would have told you that I was solidly in stage five, Financial Independence. Honestly, that’s probably still accurate — but a lot about my financial situation seems less certain than it did a few months ago. That’s a topic for another conversation…

The more money you save, the more freedom you have, and the greater risks you can take. As your financial independence increases, you chip away at the wall of worry. You’re able to make decisions based on happiness and not on dollars.

And here’s the thing: As you develop smart money habits and skills, these will not only help you obtain whatever immediate level of financial freedom you’re working toward, but also progress toward future levels of freedom.

If you’re working toward debt freedom, for instance, as you learn to spend less and earn more, this profitability will continue to help you once you’ve achieved solvency. You can apply the same ideas as you work to obtain stability, and then agency.

I spent far too long this morning playing in Photoshop to create the summary below. I am not a graphic artist…but I try.

Summing Up

That’s it for migrating the Money Boss crash course to Get Rich Slowly!

Over the past few weeks, I’ve shared the nuts and bolts of my financial methodology. To summarize:

You are the boss of you. Nobody cares more about your money than you do, so assume responsibility for your financial future. Run your life like a business.

The best way to get what you really want is to become clear on your goals and values. That’s why everyone should craft a personal mission statement.

Your saving rate is the most important number in personal finance. Savings — which I like to think of as “profit” — gives you the power to do what you want in life.

Frugality is the cornerstone of wealth-building, but the best way to spend less is to cut back on the big stuff.

You are 100% responsible for your income. To earn more, learn more. Work more and work better. Sell yourself. If you take the time to supercharge your income, your profits will soar.

Think like a billionaire by carefully guarding each dollar you earn. Recognize that every time you spend today, you’re sacrificing a piece of tomorrow. Be wary of opportunity costs. Practice mindful spending.

Invest wisely. Don’t try to get rich quick. Develop an investment philosophy and develop an investment strategy that supports this philosophy.

Use barriers and pre-commitment to automatically do the right thing — every time.

As you adopt this philosophy, your wealth snowball will begin to grow. The more you work at it, the bigger it’ll get. Protect it. Your wealth snowball is the key to your financial future. Eventually, you’ll reach the crossover point, that place where your investment income exceeds your day-to-day spending. You’ll have achieved Financial Independence.

It was a lot of work to put this together, but it was also a lot of fun. I’d love feedback if you have it. I want this info to be as useful as possible to future readers, so drop me a line to let me know what you liked — and what you didn’t. Constructive criticism will not offend me.

I’ve collated this series of articles into a free ebook called A Brief Guide to Financial Freedom. Like much of this material, it’s still branded for Money Boss, but soon I’ll revise everything to be GRS-specific.

The post The stages of financial freedom: The road to financial independence appeared first on Get Rich Slowly.

#Wealth

0 notes