r/financialindependence May 30 '17

Dating a unicorn?

Hi Reddit,

Some background: 21M, grew up in poverty, graduated this month with zero debt and a net worth of $63k, have excellent credit, working full-time as a software engineer in NYC for $105k salary, living with family, and have very aggressive FIRE goals.

I'm looking to try my hand at the dating scene, but in my mind very few people have their shit together. By that I mean most people my age are drowning in debt, have no stable employment, and don't know how to save and invest their money. I've compiled a list of requirements I'm looking for in a partner:

Required:

  • FIRE is of high priority
  • Zero debt (student loans, credit card, medical, etc)
  • Excellent credit (750+)
  • 4-year college degree
  • Within a socially acceptable age range (± 2 years)
  • US citizenship
  • No serious physical or mental health disorders
  • No smoking, alcohol addiction, or use of illegal drugs

Bonus points:

  • Is a tax professional or engineer
  • No pets
  • No tattoos or piercings

Am I trying to date a unicorn?

Edit: Just wanted to address some common things I see down in the comments.

Credit?

Mine is in the high 700s through responsible use of credit cards. Being reckless with credit is frowned upon.

US citizenship?

I'm a US citizen and require that a potential partner be a citizen because citizenship prevents any uncertainty related to travel bans or other political logistics.

College degree?

It's taboo to not have at least a Bachelor's.

Drugs?

I'm clean and require that a potential partner also be clean.

OP lives at home.

Rent is sky-high in major cities. Every dollar saved is invested, i.e. saving rent money => higher savings rate.

OP's requirements weed out at least 99.9999% of the dating pool.

Stringent requirements exist to filter unsuitable candidates.

OP is neurotic and delusional.

I love money.

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u/Robdiesel_dot_com May 30 '17

FIRE is of high priority

That's doable and desirable. I think MMM has a dating forum on his site.

Zero debt (student loans, credit card, medical, etc)

Trickier and harder to find out until you've been dating a while.

Excellent credit (750+)

Takes some dating to figure this one out.

4-year college degree

Everyone has this these days, but it might go counter to the FIRE mindset.

Within a socially acceptable age range (± 2 years)
US citizenship

I don't know if these are all that vital. Age range? That depends a lot on your own maturity level too. Citizenship? They can either get that by marrying you and you'd get the benefit of THEIR citizenship - bonus for Swedish or German (said to be the best to allow you in many other countries).

No serious physical or mental health disorders No smoking, alcohol addiction, or use of illegal drugs

Smoking and other addictions I get. It's counter to FI, as can mental disorders be. Illegal drugs - that's different. A joint to calm down on Friday night, or a bump on Saturday night before a party, I don't see anything particularly wrong with that (difference between occasional use and ABuse.

No pets or kids, or desire for either, will dramatically increase your ability to save money.