Who am I?
My name is…hmm, just call me Cashflow Cop (or CC) for now. For the time being, I wish to remain anonymous because I think it gives me more flexibility in what I write given that I am still a serving Police Officer in the UK. I am 33 years old and married. My wife is 30 (Mrs. CC) and works in the Military (RAF) as a Nurse. We are frugal by nature and try hard to find the balance between having too much and too little. You could say we take elements from both frugality and being semi-minimalists, but we wouldn’t say we are purists.
We have a baby together and hope to continue to grow our family. We both love the outdoors (especially the mountains) and are passionate about travelling. I have a keen interest in photography and personal finance. My guilty pleasures include sleeping in (although I can’t do it that often now with a baby), movies and sci-fi box sets. The logo pretty much sums me up.
Mrs. CC enjoys playing volleyball and dance, but being a new mother means she has not been able to do much of either lately. By the way, throughout the blog, I use terms such as “I” and “we” interchangeably. Our Financial Independence (FI) Plan is a joint project between myself and Mrs CC. It is very much a team effort and there is no way I would be able to even contemplate reaching FI by the time I am 40 if Mrs. CC was not totally onboard.
Please make sure you are aware of my disclaimer. The most important thing to remember is that I am not a financial advisor and nothing on this site should be treated as financial advice.
Why the blog?
Having complete control of your cashflow is fundamental to achieving financial independence, hence the blog name: Cashflow Cop. The early financial independence community is much larger in the US than it is the UK. As a result, it was not surprising for me to see most of the information on the topic was from an American context. I also struggled to find a blogger who wrote from a policing perspective. Many in the FI community are from military, healthcare, engineering, finance or computing backgrounds. I had contemplated writing down my own thoughts on this topic for a while now but I believed that not many people would be interested. Especially given that I never hear my colleagues talk about money or investments. I also felt there were better blogs out there with people who write much more eloquently then I can. This all changed with the birth of our first child in 2017. I decided that there is no better time to document our journey as a family on the path towards FI so that our children have a point of reference in the future. This ultimately led me to design this website and launched it at the beginning of 2018. I hope to demonstrate to my children that it is much easier to pursue their dreams if they understand how money really works. I want to prove to them that whatever path they choose in life, by pursuing what is meaningful to them, being consistent, intentional, dedicated and passionate will ensure their success and happiness. You can read about our decision to pursue FI here.
I don’t intend to convert anyone to this way of thinking or living. It may not be for you, and that’s perfectly okay. We all have our own lives to live and our own paths to follow. I find that I like to talk about things I am interested in. This site will give me a place to share my thoughts with people who may also interested in it without fear of boring people or feel that I am being preachy. If you don’t like what I am writing, you can simply click away. Whereas in real life, it’s socially more difficult to tell someone to shut up if they’re disinterested in what you have to say. The truth is, most people I know would just think that this way of thinking is just strange so I try my best not to talk about it. Trust me, it’s very difficult not to talk about something that you think about every single day and are excitedly working towards.
The fact that you have somehow made your way here already sets you apart from the vast majority of the population who go about their daily lives on auto-pilot: eat, sleep, work, bills, and repeat. You could throw in there a long commute just to make it that little bit more unbearable. This site is not about bashing and hating on work. Let me be clear, there is nothing wrong with having a life-long fulfilling career in whatever field you’re interested. However, I just hope this blog will help inspire those who happen to stumble upon it with a guide to maximising their financial potential. This will give you the freedom to live the life you want and dedicate more time to be with people you love. Financial Independence and Early Retirement are two different things. FI is an enabler, enabling you to pursue other things should you wish. It opens up doors to possibilities. Early retirement is just one of the endless possibilities out there. Continuing to work will always be an option, but this time with a massive weight off your shoulders knowing your livelihood does not depend on your job.
What I document here is by no means the only path to FI, or indeed the best route to it. It is my family’s path which we have chosen and I am happy to share with you the ups and the downs so you can decide for yourself if this is something you value enough to pursue. If I don’t make it by the time I am 40, then you will read why that is and hopefully learn from any of my mistakes.
I aim to keep this site regularly updated and it may change from its current format based on feedback. Some of the elements will be removed altogether if it does not seem useful to people. You can contact me if you have any comments to help improve and allow people to get the most from the site.