We reconnected with Liquid, who achieved FIRE at 35. But what happens after the dream is realized? We dive into his life post-FIRE and discuss how he manages his time, finances, and investments. Liquid opens up about unexpected challenges and the reality of maintaining purpose beyond a career. This conversation is packed with retirement insights you won’t want to miss!
You’ll Learn
Adjusting to Life After Reaching FIRE
Liquid discusses how retirement has shifted his daily experience. Without a traditional work schedule, weekdays and weekends feel indistinguishable, and time seems to blend. Transitioning to a work-free lifestyle has required some adjustments in maintaining structure and purpose.
Financial Surprises & Budget Adjustments
One unexpected challenge was the impact of inflation and rising interest rates, which affected his household cash flow. He also experienced lifestyle inflation, leading to a decline in net worth. Liquid has refocused on financial discipline and maintaining a balanced budget to counter this.
The Role of Leverage and Investing in Today’s Market
Leveraging was key to Liquid’s initial success, but higher interest rates have changed the landscape. While real estate is still part of his portfolio, he has refrained from making new investments due to financing challenges. He also shares his cautious approach to stock investments, finding value opportunities scarce in the current market.
Evolving Perspectives on Work, Learning & AI
While still financially independent, Liquid remains open to working part-time once his child starts school. He emphasizes continuous learning, having dabbled in Python but struggling with motivation. He also touches on the rise of AI and its impact on investing, noting the importance of identifying companies poised to benefit from this technological shift.
Financial Lessons & Advice for Others
Looking back, Liquid acknowledges that financial independence is a lifelong journey that requires active management, much like any relationship. He encourages others to learn from his mistakes and to maintain financial vigilance, whether through tracking expenses, understanding investment risks, or planning for future uncertainties.
Create a Dividend Income for Life
Liquid counts on his investment portfolio to retire early. We also found a way to create a sustainable dividend income for life. A mix of low-yield, high-growth stocks and steady dividend payers can provide both capital appreciation and income security in retirement.
- Dividend Growth Over Yield – Instead of focusing on high-yielding stocks, the guide shows you how investing in companies with strong dividend growth ensures long-term wealth and income stability.
- Avoid Dividend Traps – High-yield stocks often come with risks like dividend cuts and poor total returns, while dividend growers tend to outperform over time.
- Sustainable Retirement Income – The strategy ensures a growing and reliable income stream, reducing the need to sell assets and allowing for financial security throughout retirement.
Don’t put your hard-earned money and retirement in jeopardy!
Related Content
Visit Liquid’s YouTube channel.

Go back in Liquid’s journey with his first interview on the show.
How to Reach Your Financial Goals with Mental Models – Liquid Interview [Podcast]
Maybe FIRE is not entirely right for you. Here’s an episode about other highly interesting retirement mindsets.
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