How common is it for ladies to FIRE?

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So what does SuperHooker do past 40 under all this FIRE theory.

It really ain’t that hard to envision the $4 million by 40 that would excite FIRE proponents.

Lady starts at 18 being the barely legal teen dream. She probably works for an agency at first, builds up a reputation and a book of business that will move with her when she goes independent. She is the chick that is always on the roster at the agency, then she is the one who responds to every email. She isn’t the most expensive sex worker, but she isn’t the cheapest, either.

Over time she really works it. Never gains weight except in the right places due to gym work. Over time she really learns sex, including fetishes. Most importantly, she never forgets little things about her regulars - they are part of her life. She self-learns a ton of things for conversations and she learns subtleties like not pissing her customers off with politics. She probably starts the day by reading the sports page. Whether anyone wants to admit it or not, she develops one hell of a lot of skills.

The money. Not hard math. She has an average of two customers a day, and later in her career she gets a lot more longer-time bookings (don’t forget she usually did four guys a day at the agency). Let’s say $800 a day gross times 365 days a year (There is a hell of a market on Christmas Day according to tweets) for the 22 years between ages 18 and 40. That is right at $6,500,000 gross.

She pays taxes, and her work expenses are higher than people here appreciate since the trick pad, lingerie and the make-up are expensive. But she does the FIRE principles that these folks espouse. And trust me they are pretty nuts. The cooking your own food part isn’t that hard for her, since she can’t get fat. But she also lives way below her means in terms of housing and cars. And unlike her sex worker peers, she never travels with all the girlfriends to the Caribbean or things like that.

Even with taxes, most of these FIRE folks, would say she saves 45-50 percent of gross. So even at 45%, her $6.5 million is at $3 million. And the FIRE people are big on believing in investing, so that $3 million is well over $4 million at 40. They will always assert that the $4 million will earn 10 percent or more and you can do principal withdrawal of a larger percentage than you might think.

So if she quits at 40, and lives until 85, she gets $400,000 to $800,000 a year for life, accounting for inflation. And doesn’t work past 40.

There are hard-core people, including plenty of techies out west in the U.S., who buy into it. I assume that was what the original poster was getting at.

I don’t buy into it. If it was really desirable, I think we would see more sex workers buy into it. I know many would argue the demand numbers I used were unrealistic, but honestly I don’t think they are. Every once in a while, you really do meet SuperHooker who generates unlimited demand. Montreal had one who admitted once that she got into the Sugar scene and was juggling like a dozen Sugar Daddies, some of whom thought they were exclusive. She did “discount afternoons“ at an agency a couple of days a week and I saw her on one of those days. She gave me a discount card for some of her online porn. She was a hell of a good fuck.

Just like we can disagree on when a man should retire, if ever, we can disagree as to how much effort should be put into this activity by a “Super Hooker”.

Personally, I just don’t think FIRE is healthy. Life requires balance to be happy. A person has way to much enjoyment to have before 40 to work it as hard as these FIRE proponents think they should. And a person is way too young at 40-50 to leave skills behind.

I think the burnout from going too hard pre-40, and the boredom from not doing enough post-40 makes for a less happy overall life.
 
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Jenesis

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Your matb is way off. No girl works 365 days a year. And certainly not for 22 years straight. No one works like that. LOL

She has to count for her menstrual cycle, sick days, burnout, days, holidays, etc. She’s not making 800 a day every day. She also has expenses that you haven’t even taken into consideration. Your math is way way way off.
 
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Your matb is way off. No girl works 365 days a year. She has to count for her menstrual cycle, sick days, burnout, days, holidays, etc. She’s not making 800 a day every day. She also has expenses that you haven’t even taken into consideration. Your math is way way way off.
Yes and no.

You are correct that few if any ladies would want to do that.

But no. You aren’t factoring in where all this fucked up shit got started and why I am so dismissive of it.

It started in Silicon Valley among young software engineers working at big firms with facilities that include kitchens and crash pads and who want young people who are recently educated on the latest technology and willing to work ungodly hours. Since they might never be home, they can room with a ton of similar people. And they don’t have time for travel or to enjoy luxuries, so tyey

Further fueled by the fact that the industry gets Asian kids, particularly Koreans, who grew up studying 16 or more hours a day.

So the financial theory developed that since a new generation of programmers would emerge in a couple of generations anyway, just sacrifice ages 25-45, and have enough to not have to do anything after that since those jobs often pay $300,000 to a million.

I don’t think any of those proponents would be bothered by the sex worker using a sponge on her period.

They do profiles of people who bought into this, and most aren’t happy at any point in their life. A not insignificant number of them seem to move to Utah and hike and reflect.

Of course our financial media did stories of this sensationalist shit, and people who aren’t high earners bought into it and think they can retire on way too little money after not working long. Hence my comment about losers.

I don’t think any of it is any good. Life requires balance and a wise person plans their life over an 80 year or longer time period.

But it is an industry where a select number of extremely good looking women can work it really hard, aim for cultivating a client base of high-payers over a 20-25 year period of time and earn a fortune if she gives up everything else in life during those prime years. It requires unimaginable sacrifice and I doubt if it is worthwhile.

Like everything that comes out of Silicon Valley, the FIRE concept is fucked up, and it doesn’t get any better when it is diluted and inappropriately marketed to the masses.
 

Jenesis

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Yes and no.

You are correct that few if any ladies would want to do that.

But no. You aren’t factoring in where all this fucked up shit got started and why I am so dismissive of it.

It started in Silicon Valley among young software engineers working at big firms with facilities that include kitchens and crash pads and who want young people who are recently educated on the latest technology and willing to work ungodly hours. Since they might never be home, they can room with a ton of similar people. And they don’t have time for travel or to enjoy luxuries, so tyey

Further fueled by the fact that the industry gets Asian kids, particularly Koreans, who grew up studying 16 or more hours a day.

So the financial theory developed that since a new generation of programmers would emerge in a couple of generations anyway, just sacrifice ages 25-45, and have enough to not have to do anything after that since those jobs often pay $300,000 to a million.

I don’t think any of those proponents would be bothered by the sex worker using a sponge on her period.

They do profiles of people who bought into this, and most aren’t happy at any point in their life. A not insignificant number of them seem to move to Utah and hike and reflect.

Of course our financial media did stories of this sensationalist shit, and people who aren’t high earners bought into it and think they can retire on way too little money after not working long. Hence my comment about losers.

I don’t think any of it is any good. Life requires balance and a wise person plans their life over an 80 year or longer time period.

But it is an industry where a select number of extremely good looking women can work it really hard, aim for cultivating a client base of high-payers over a 20-25 year period of time and earn a fortune if she gives up everything else in life during those prime years. It requires unimaginable sacrifice and I doubt if it is worthwhile.

Like everything that comes out of Silicon Valley, the FIRE concept is fucked up, and it doesn’t get any better when it is diluted and inappropriately marketed to the masses.
I’m sorry if this is rude but I don’t really care about all that. You created a completely unrealistic example with very bad math, I’m just calling out the math.
 

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There's no such thing as balance for young millennials and GenZ. Their whole lives require living to work. Scrounging to get by in a world that is exceedingly unaffordable.

Talk to them. Look at the stats... the average first time home buyer is now 40 years old. Imagine being middle aged before buying a home.

What enjoyment do you propose for people that can barely pay their rent?

Work-life balance is a Boomer concept that is alien to others. Boomers don't know what precarious work with no benefits feels like.

You go to linkedin and Boomers have 20-30 years deep with one or two employers. Then you look at a young millennial's profile and they've had to jump through 6 careers in 10 years.

This is why some young people decide that since they have to work their ass off from 20 thru 40 years of age no matter what they do, they might as well do it in a way that allows them to at least get some reprieve after 40 via FIRE.

Many will still succeed but the rest are basically a new indentured servant class.
Between my last couple of posts and your‘s and Jenisis’s I think we have demonstrated that the structure of work has become a colossal failure in North America.

To answer to OP’s question, FIRE is largely an impossibility for sex workers, particularly in Canada.

Jenesis keeps saying my math doesn’t work. She thinks she is being critical, but she is making my point for me. The math can work just as I put it, if you are willing to ruin your life. Perhaps 330 work days and some days then with three customers, then Jenesis.

We live in a world where a few extreme people will try to make it big though overwork, and our porn-obsessed media (not just nudity porn, but financial, too), will eat it up and do a TV show about an extreme concept, right after “How I Made My Millions at 8 pm”. And then those worthless financial planning marketers will try to sell a watered-down version to the masses. Of course FIRE doesn’t work for the masses because they can‘t and don’t make enough money. So the only solution for this glorified “retire early” concept is for them to spend like no money. So they get a heavier dose of frugality misery if they sign up, instead of a combination of overwork and frugality misery.

One of the reasons that the common person works so many jobs now is that start-ups are no longer designed to become long-term operating companies. The entrepreneurs are always trying to sell them to larger entities or to Private Equity. If that happens, those owners might indeed achieve the supposed FIRE heaven. But when the sale occurs, the layoffs start.

I just don’t think much of the FIRE stuff works well from an overall happiness perspective. If you work yourself to death when you are young, explore nothing else, buy no enjoyable goods or services, etc., you aren’t going to be happy then or after you retire. Can a sex worker theoretically do it just like any entrepreneur? Yes, but with less potential favorable leverage than someone who can sell equity. And her cash payments are always going to be constrained by lower-end rates.

Work in the modern era sucks and you ain’t likely to be one of the people getting out of it at a young age without giving up a lot of things you openly or secretly want to buy, including pussy. The FIRE proponents will likely concede that if you push them hard enough.

Just my opinion, but as I have said before, I think you are better off never really planning for genuine retirement. That doesn’t mean you don’t save in order to cut back on work, and even take “lesser” jobs when you are really old. I think the Europeans have it more correct than North Americans. They take longer vacations and even the occasional sabbatical, but there is less financial marketing about some “golden retirement” like the U.S. financial firms market nonstop, and certainly no “golden retirement” in a person’s 40s or 50s.

In my opinion, you are better off just planning to work until you are just way, way too old to do anything physically or mentally, and trying to establish some balance that let‘s you buy some enjoyable and luxury goods even in the early years. It doesn’t bother me when the sex worker buys some cool stuff and does some Twitter pics of great trips even though she only sold tail three times a week instead of three times a day, and she likely realizes she might be working a completely different job in her 50s that might not be as lucrative.

I think she has figured it out better than these FIRE proponents who want to overwork everyone when young and/or never let anyone buy anything fun.
 
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