Defending Mr. Avocado Toast – Priorities are Key

I HATE when I feel compelled to weigh in on stupid shit but it is hard to bite my tongue in certain cases…

I am sure you have all read THE POST that spawned the avocado toast backlash that will forever go down in history as the one item that could knock the $4 latte off the FI stage.    Thank fucking god…I hate coffee and could never truly relate.  I would much rather debate an avocado as the reason no one can afford to save, so here we go…

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Looks just like mine… ~via~

First off, GenXer here…I feel the need to state that as this slanderous attack was thrown directly at my good friends, The Millennials.  But seriously folks, this issue is not generation based – it is stupidity based.  Yes, I said it.  As a whole, people are financially stupid.  What?  You never made a financial mistake in your life??  Just wait, you will.  And when you do, feel free to come back and tell us all about it!  I promise not to chastise you because I have been stupid too.  But to get straight to the point, this whole avocado toast thing has been completely blown out of proportion, on both sides.  Continue reading “Defending Mr. Avocado Toast – Priorities are Key”

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Goldilocks & The Three $$ Tiers

As some of you know, I have been struggling with the moment to moment aspect of  FI.  I recently wrote a post in regards to my Month of Financial Celibacy.  From the comments I received on that post, most people assumed it would be the markets I couldn’t wait to check but really that has little impact on me.  It is my spending and tracking of said spending that really gets me going.  I am only a week in (actually, 9 looooong days), but I am still doing pretty good.  Instead of focusing on the day to day numbers I am shifting my focus to the number one factor of the overall equation – how much is ENOUGH??

The idea of enough is one that haunts many of us FI seekers.  What if we quit our jobs too soon?  What if the market falls?  What if we get sick?  What if we forget to prepare for one of the other millions of little things that can go wrong???  It is all too much to ponder.  For this, we need a strategy.  My strategy comes straight from a childhood favorite…

Goldilocks and The Three Bears Tiers

For those of you unfamiliar with Goldilocks, let me sum up her story.  Goldilocks is a trespassing brat who not only enters into The Bears home without permission but then proceeds to spread her germs to all of their bowls of porridge before settling on one that was neither hot nor cold but just right.  After she eats The Bears food, she decides she is quite tired from her jaunt in the forest.  Instead of going home, which is what a normal criminal might do, she decides to wander into The Bears living room to rest in a chair.  Naturally, 2 of the chairs were too big and the smallest (though being just the right size) falls to pieces when she sits down.  Ugh…  Goldilocks doesn’t bother to think that perhaps karma is trying to send her a message so she pushes the envelope further by going upstairs to test out The Bears beds.  When The Bears arrive home to find their porridge eaten and the chair broken they decide to do a thorough search of the home.  Sure enough, Goldilocks has tested all of the beds (one was too firm, one was too soft) and is still sleeping in the one she deemed just right.  Upon their growls, Goldilocks wakes with a scream, runs down the stairs and out the door.  The Bears never see or hear from her again…not even a thank you note!

So what does this fable have to do with my story??  Well, I am Goldilocks.  Not the thieving, vandalizing, lice spreading version…but the one who is always looking for the FI number that is just right…

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~via~

I have mentioned my tiers of FI in other posts (and in various comments on numerous bloggers sites), but I have yet to dig into it and spell it out.  So here we go: Continue reading “Goldilocks & The Three $$ Tiers”

2017 1st Qtr Net Worth & Savings Rates…Homerun!!

2017 is fully underway.  It is strange – at the start of the new year I had experienced equal parts excitement and depression regarding my quest for FI.  The excitement was based on a high due to the insane accumulation and addition of 100k to my 2016 net worth.  I was floored!  All the tiny boxes from my spreadsheet were filled in with various colors and calculations that could make even the most def tone numbers geek sing a solid Do Re Mi.  Beautiful.  And then the depression hit.  I flipped to my new spreadsheet with all its blank spaces and wondered if I could ever repeat what I had just accomplished.  Hmmmm… I imagine this must be what it feels like to be the Cubs facing opening day after winning the World Series last year.  Expectations.  They are the best and, sometimes the worst, motivator…

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NET WORTH

So here we are 3 months in and I’m curious to see how things have stacked up.  Are you??  Well, I am pleased to report that so far they are stacking up quite nicely, if I do say so myself.  Here is how 2017 has played out thus far:   Continue reading “2017 1st Qtr Net Worth & Savings Rates…Homerun!!”

Traveling on a Dime…OK, 2!

Many people have asked how it is that I can travel so cheaply…you know, besides the obvious of the free flight perks my job allows me.  If you have been reading here awhile you know that it helps that I am more frugal than most, but I also take a fare amount of time to prepare for my trips in advance.  Here are some tips I have learned over the years to get the most bang for my buck while globetrotting this big round orb…

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Just a Bit of Money I found While Hiking Lamma Island, Hong Kong

As an avid traveler (both on the job and off), one of the largest expenses while on the road is…wait for it…

Continue reading “Traveling on a Dime…OK, 2!”

I’m Officially Famous For Being In Debt

Oh my – so sorry for my absence!  I have been sick as a dog and finally the clouds in my mind have cleared enough to write.  🙂

Well – something big happened and I failed to report it!  In December I was interviewed by Elle from Couple Money Podcast.  Guys, I was so so nervous!!  I have never been interviewed before…actually, that’s not true.  I have been interviewed before but it was an impromptu thing at a neighborhood party so it totally doesn’t count.

Anywho, Elle contacted me regarding my story of debt and how I got through it.  Though my story really has nothing to do with being a couple (unless you count the brief marriage and divorce in the middle), it has EVERYTHING to do with money…and my lack of it.

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If you have been following here for a while, you know that writing about that time in my life was not easy for me, talking about it was even harder.   Continue reading “I’m Officially Famous For Being In Debt”