Dividend Season

It’s that wonderful time of year again: Dividend Season! When I feel like free money is reigning down on me. It feels like my cash is just sitting in something boring like a bank account so I usually forget that it’s actually at work within 3,300+ businesses within the US and as a result those businesses pay me money every quarter for doing basically nothing. It feels like Christmas! This quarter I received $670.17 from my Vanguard account (which sadly doesn’t include my 401K or HSA), which is a 30% increase from the $514.02 I received last year and a 143% increase from the year before that ($275.23). And it will just keep increasing because of the miracle of compounding. AH! So exciting. The end of Q4 in December usually brings the largest dividend payouts of the year…on literal Christmas. I can’t wait to open my presents!

Retirement Inevitability

[The Matrix has a quote for every occasion]

An article I read this morning made me realize something: early retirement is inevitable. I currently have almost a $200,000 net worth (so close!). I could stop saving now, not touch my money and let it grow. If I did that then based on historical averages I would have enough money to retire at 43 years old. That’s 12 years before my mom and 19 years before the earliest social security payout options without me adding another penny to my accounts. I could suddenly quintuple my lifestyle, live like that for the next 15 years and still retire earlier than I could have ever imagined. That’s INSANE! I might start thinking of all the money I invest from this moment as money that’s buying back my time between 32 and 43 years of age. I’m slowly rolling back the clock. I like that visual. Even if I do nothing I will get there. And fast. Let’s do this!

How I Saved $1,912 With Travel Hacking In 2017

This year I flew to:

  • Disneyland LA
  • Phoenix
  • Maine
  • Thailand
  • Atlanta
  • Upstate New York
  • Atlanta for Christmas
  • (Planned) Singapore in February 2018
  • (Planned) Ecuador in May 2018
Most of these trips have been domestic and I was able to find cheap flights so travel hacking was not necessary or beneficial. I also took understandably less trips since I was employed the whole year 🙂 (the horror!) Still, I was able to decrease my costs in the following ways:

Continue reading “How I Saved $1,912 With Travel Hacking In 2017”

Have I Always Loved Money?

Looking back I think I’ve always been fascinated by money. I tried to negotiate prices with the tooth fairy (proof below), was a bank for my siblings (a bad one) and loved collecting foreign currency. My aunt and uncle would often bring me coins from wherever they were living at the time. I also bought fake foreign currency with the little chore money I received. I was such a normal kid 🙂 .

Continue reading “Have I Always Loved Money?”

Over a Year of Food Logging

I’ve been recording what food I put in my mouth on and off for 5 years. I started this journey after gaining 30 lbs my first year out in the real world and discovering I am horrible at estimating calories in food and more importantly booze (Hint: It’s a lot!) This logging never lasted long: my longest stint being 6 months or 182 days. After I hit my goal I logged on and off while steadily gaining weight. Continue reading “Over a Year of Food Logging”

Breaking The Unofficial Beauty Ban

It’s been 3 years since I’ve had any type of salon, beauty maintenance. Prior to that I would have my eyebrows plucked every month or so and hair cuts whenever things got out of hand. When I got into financial independence I started cutting all unnecessary expenses and as a result started doing these things myself. I didn’t see the point anymore despite my eyebrows costing maybe $40 a year and hair $50 every few years. It was still wasted money. Instead I started just plucking my eyebrows when they got unruly and cutting my hair a little when the ends looks raggedy. I’m lucky it’s hard to see weird cuts in curly hair 🙂 . Continue reading “Breaking The Unofficial Beauty Ban”

Diet Update: 140s!

Another milestone in my keto weight loss journey: I hit the 140s. I haven’t seen a 14 on the scale since I starved myself for the first 6 months of 2012 eating 100 calories a day – usually just an egg white and a tomato for dinner. Now instead of going to bed clutching my growling stomach and looking at fat picture of myself to overcome the hunger headaches and urge to eat I’ve lost all this weight without any effort it seems. This has never been so easy and I’m so incredibly grateful that I found keto. There’s no hunger, no need for self-punishment or unhealthy body shaming. No headaches and no grouchiness. Finally a sustainable solution. I used to think I was meant to be this way, but I’m finding that that’s not the case and couldn’t be happier. Continue reading “Diet Update: 140s!”