Hi, I’m Richard. I’m a 48-year-old transplant from Chicago, currently living in sunny South Carolina. I semi-retired in 2014 at the age of 45. I did it by being frugal and by taking on assignments that don’t involve heavy physical labor.

I really made the decision to not work for anyone else ever again after I was I laid-off for the 2nd time in just 7 years and I never wanted anyone else to have that kind of control over my income or way of life.

The last layoff was really a blessing in disguise. It forced me to take action and take a more proactive role in following my dream of being self-employed. There was something higher working towards that end as well because shortly before the layoff I was diagnosed with Myasthenia Gravis (a form of MS) and then a treatment caused me to become Type 2 Diabetic.

These health problems were presenting a real challenge to my physically laborious position as a CNC machinist in a very fast paced manufacturing plant. They evaporated my strength and took a toll on my eyes and vision.

I started writing again and never stopped. I was writing fiction as well as non-fiction blog posts for myself and eventually for clients. I continue this today.

I say I’m semi-retired because I didn’t leave my work with enough of pension to live off of, and besides that I’m too young to collect any of it for the next 17 years, without penalties of course.

Freelance writing, writing Kindle books, creating and flipping merchandise, and taking on odd jobs now and then, plus living a frugal lifestyle keeps me ahead of the game.

In fact, I’m more happy and satisfied with life than I ever have been, including my time served in the Army or my college days.

I hope you enjoy Frugalfied and can gain encouragement and knowledge from my experiences.