How to Pursue FIRE with a Disability | Hiroko Nishimura | 24 Villages

Yo Quiero Dinero

Jannese Torres

Saving, Entrepreneurship, Business, Investing, Wealth, Personal Finance For Latinas, Personal Finance, Budgeting, Finances, Generational Wealth, Equal Pay, Financial Literacy

4.9 • 607 Ratings

🗓️ 5 June 2023

⏱️ 40 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Episode 216 talks about how to pursue FIRE with a disability, featuring Hiroko Nishimura. Listen now!

Hiroko is a Special Education teacher turned IT Engineer turned technical instructor and published author. Money was not a topic she talked about growing up, and being a 1st generation immigrant, she had to figure out saving, retirement, and investing, when she got out of college.

In her mid 20's, she was diagnosed with Rheumatoid Arthritis. When researching the "permanent disability rate" for the disease, it was extremely high, which is when she realized that maybe "working forever" wasn't an option. She came across the FIRE community on Twitter, began investing, saving for retirement, and learning about wealth building.

Hiroko began small side hustles while working her 8-5 job in IT. At 30, she got married & quit her corporate job, choosing to focus on freelance work. Half a year later, COVID began, and she & her husband bought their home on her 31st birthday. They paid off their mortgage in less than a year after selling taxable assets. Their incomes increased rapidly and her freelance work went from $20k in 2019 to $136k in 2022.

Hiroko has created a career path where she can sprint when she has the capacity, and then focus on living when her body needs a break without a break in monthly royalty checks.

You can follow Hiroko on Instagram, Twitter, LinkedIn, Mastodon, Ko-Fi, 500px and YouTube.

For full episode show notes, visit here.

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Transcript

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0:00.0	Then I got diagnosed with rheumatoid arthritis, I think, when I was 27 or something. And I could every week progressively feel my joints like basically I couldn't move them. And it's like one by one, your joints start getting eaten up. And that was just kind of like a horrifying feeling that what I can do today in two weeks I might not be able to do. And then if it's going at this
0:22.7	kind of speed, like, what's going to happen in five years? I might literally not be able to move.
0:28.6	And even though my career was going okay and I was feeling comfortable with like my 50K a year,
0:35.2	60K a year salary in New York, I was like, I may not be able to work
0:39.3	forever. And that really made me start considering my options on how to build my life so that
0:46.3	even if I couldn't work a traditional 9 to 5 commute job, how I'm going to be able to make money
0:52.3	or how I can use the money I have now saved to
0:55.7	help me navigate parts of my life where I can't work. And that's when I started kind of Googling.
1:02.2	And after a little while, I found the fire movement and the Twitter fire movement. It definitely
1:07.2	had a direct impact on me thinking about money really, really hard.
1:13.9	You're listening to,
1:15.6	A Personal Finance Podcast for the Modern Latina.
1:20.0	I'm your host, Janice Torres, award-winning Latina personal finance expert.
1:24.7	I didn't always have my financial shit together,
1:26.9	but when I started looking for POC-friendly personal finance podcasts, I didn't always have my financial shit together, but when I started looking
1:28.2	for POC-friendly personal finance podcasts, I couldn't find any. And so Yo Quiero Dino was born.
1:34.1	On this show, I'll show you how to make dinero, how to keep your Dinero, and most importantly,
1:39.2	how to make it grow. Each week, I'm connecting you with the most brilliant minds in the world
1:43.6	of money and business
1:44.7	so you can learn about investing, entrepreneurship, and building wealth.
1:48.9	The best part, I'm dishing up all this knowledge with a sassy side of sason.
1:54.0	So if you're ready to be Poderosa with your dinero, you've come to the right place.
	...

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