99°, it’s sweltering hot outside. I don’t feel guilty about not going outside for some exercise. 15 minutes of walking results in being drenched with sweat….

For June it felt like the expenses didn’t stop coming. I bought a computer game Diablo 4 but up until recently I could not play it on my Mac due to Blizzard abandoning the Mac platform. So I bought a $48 cloud computing service for a month, a better solution to me than buying a whole new mini PC for the occasional game. Then a week later I figured out how to run it on my expensive MacBook Pro M2 Max laptop. Then my car insurance was up for renewal at $565, concert tickets to see Gladys Knight and Patti LaBelle who put on an amazing show. I used a week’s worth of vacation time and have another week coming up this week.

I had a small bike mishap that cost me $35 to repair and a little over $200 for the podiatrist visit (put on my HSA) where I was convinced I sprained my toe. I got x-rays, a boot and everything. Then 2 days later my toe was perfectly fine, full range of motion, no pain at all. Cancelled my Friday followup appointment today. The worst part was trying to figure out how to get home. Biking 3 miles in the heat with a busted wheel was no fun at all.

Potential expenses – I’ve been wanting a bigger television for my living room for a while but up until now have talked myself out of it. The 5k computer screen is enough aside from when I have company over. which is pretty infrequent still. Same with the Acura Integra Type S. Lots of performance, sportier design than my A-Spec Tech Package but is it almost finance $20,000 more better? Really quite debatable when you consider that most roads in the area outside of the highway you can’t really enjoy it all, sort of like with a supercar. In terms of hours of work, another 600 hours of work for a depreciating accent? Naaaaah. I’ll just put my car in sport mode, work the paddle shifters and pretend I have the fast version.

For gym memberships I’ve been doing a lot of research on Equinox. The cost isn’t cheap at around $230/mo. That’s $2,760 annually. I lift and do cardio, no classes because I feel like a major doofus trying to keep up with the trainer. Maybe spin would be different from yoga, dance, Zumba or something but still…. If I did decide to hire a trainer it would be even more. So the alternatives are joining the other Anytime location that wouldn’t take me because I’m not a member of their location, sticking with the busy city gym I signed up for last month ($20 for the one month I signed up for or like $115/yr), or joining another gym in the area. The Lifetime near me is awful and the LA Fitness is not any better with some calling it the worst in the metroplex.

Speaking of the car I’m super happy that in about 8 months I’ve been able to pay 63% of what I originally borrowed. Had I stuck to the 60 month payment plan that would look much more like 14% and a wee bit more interest. Most people don’t do what I do and I’m perfectly fine with that.

I certainly do feel a bit of FOMO having vacation time I need to use before I lose it and not having any trips planned out. I want to go on a trip with a bf, partner, or even a friend. None of that seems in the cards right now until August for my upcoming 40th birthday.

Dating continues to be a disaster, I’ll be brief. One potential match had to go back to law school and never would answer me about what’s going on in his world, the other on the 2nd date told me he wasn’t looking for anything serious despite showing interest in December and suggesting otherwise on the first date. Another is vacationing in Mexico for a few weeks lol. A friend told me he and his husband got married after a month. That to me is crazy talk but then again I also don’t trust anyone.

It recently marked 24 years since my grandmother passed away, and my dad was 19 years. It’s hard when the family you are closest to is gone and all those memories that could’ve been just aren’t. Like high school, or any of my 3 college graduations, learning to drive, celebrating a new job, promotion, family trips, leaving home, coming out, etc. Then being physically distant from the rest, or sort of estranged by my grandfather whom I haven’t seen in 14 years and he only reached out to me once, by accident. The most important way to honor those who are gone is to live a rich fulfilling life and find happiness no matter what trials the tribulations arise.

Not living in the past is something I need to practice more often. I think a lot of people I’ve met over the years aren’t really my friends. Maybe they were for a season or multiple seasons. Then they move away without even saying bye, or thanks for our friendship, nothing. I guess I expected just a *little* bit more. Aside from my inner circle and I’m going to focus more on me going forward. Just deleted the Facebook app off my phone for good measure to break the addiction. Health, energy, and good vibes are the most important things right now. Healing from rejection and feeling of inadequacy is a process.

	7/1/2023	6/2/2023	Difference	% Change
401K	$195,156	$185,475	$9,681	+5.2%
Roth IRA	$29,756	$28,322	$1,434	+5.1%
M1 Acct	$1,123	$1,000	$123	+12.4%
Cash	$2,596	$2,018	$575	+28.5%
HSA	$2,567	$2,591	($24)	-0.9%
Total	$231,195	$219,406	$11,789	+5.4%
Credit Cards	$128	$0	$128	—
Auto Loan	$9,548	$10,517	$(969)	-9.2%
Net Total	$221,519	$208,889	$12,630	+6.0%

Last year 7/1/22 I was at $171,997, and that’s before I even bought the new car. So up $49,522 or 29% is pretty good in my book. I might not own a home but I’m doing something right. Thank you stock market, steady job, and retirement accounts!

For anyone who still reads this, Happy 4th! Much love. Do you have a personal finance blog I should look at?

Note – I had $206k as my net worth but then the market went up 1.45% on Friday so this recent snapshot reflects that.
Just made back from the Janet Jackson concert at Dos Equis Pavillion in Dallas. The concert vibe is something else, we all shared the love of one of our musical icons. I’ve been listening to her music for as long as I can remember which for me was around 1988. Yet in all these 35 years I have never once been to a concert. The performance was amazing, she was up dancing an singing, never skipping a beat. 57 years old and she was dancing circles around me at 39… 😮 The tickets were $135.40 when I did the presale back in December. I bought a 24oz Watermon White Claw for $21 after tip. That’s almost the price of 2 6 packs from Target. 🤯 I just had one and grabbed a late dinner from the nearby 24hr Whataburger.

My mom’s birthday happened recently and I bought her a deluxe set of flowers with same-day delivery since I almost forgot. She loved them and I didn’t think twice about the $100.45 less 15% cashback I’ll be getting. The least I can do since I’m 1600+ miles away. She told me about flowers purchased from the grocery store and that sort of set me off. Like subconsciously her only child isn’t doing anything for her birthday.

The month also marked the 19th anniversary of my father’s passing and the loss of the legendary Tina Turner. I deleted all my dating apps then reactivated with a shift in approach. Rule #1 – I can’t live on them. Rule #2 – Keep my expectations low so if I get ghosted by someone I can’t take it personally. Rule #3 – Make a life for myself outside of dating.

I recently started using a VPN to get lower prices on streaming services. YT Premium is almost half, HBOMax worked fine until they rebranded to max.com and I couldn’t access it in the country I was using. So I had to cancel and reactivate the US service I was using. I still pay US prices for Disney+/Hulu, Netflix, AppleOne, SiriusXM.

My dog has been particularly expensive lately, the latest chapter was $181 in vet bills following the $450 just like a week earlier, and a $145 bill about 2 weeks week before that. Cleaning up vomit from a dog that can’t take the medication given and refuses to eat is a whole kind of stress I really wasn’t eager to deal with. At the beginning of the whole ordeal I was thinking of euthanizing the dog and was holding her and crying. Got 3 X-rays, two physical exams, an antibiotic, medication to help with a swollen liver pushing into her spleen, another injection to help with pneumonia, flea medication, drops for an ear infection, a probiotic, heartworm test, bordatella injection. She bounced back though I like to think in part due to my swift actions. The day will come eventually but hopefully we have a few more years left.

Saw the new The Little Mermaid movie with friends and thought the main characters put on an amazing performance. It brought a smile to my face hearing a little black girl say she’s so beautiful. I’m not saying we need to make everything black but a little bit of representation goes a long way.

On Memorial Day I drove out to the Southlake Apple Store to have them look at my $500 AirPods Max headphones. A little bit out of the way but it was the first appointment available and I didn’t want to waste my entire day waiting. No matter what I did they wouldn’t reset or pair with my devices. They were definitely still covered under warranty and had no physical damage. The Genius confirmed the issue and said I should get them back in 3-5 business days. FedEx dropped them off at my door this afternoon without incident and no charge. I am a little iffy about the longevity of this product since I don’t have an extended warranty on it. Then again there are rumors of a refresh later this year or next year so I might just do my normal upgrade cycle thing. I was super impressed at this massive and incredibly bright screen that stretched from floor to ceiling.

I almost hit the buy button for a 65″ tv for my living room area. There are great deals for Memorial Day, but…. For the features I wanted it’s still a lot of money after $1800+ on a vacation, $700+ in vet bills, $1k in car payments, new clothes and some other big expenses.

I switched over from AT&T to T-Mobile and in addition to the mistake the rep made when giving me a hearing impaired plan, he also signed me up for an additional voice line. I discovered that when getting an autopay message that over $300 would soon be paid out of my account instead of $140 ($70/mo x 2). I needed to call them twice back to back over the course of 42 minutes to resolve. The first rep totally was clueless when I said I didn’t get the math for a $50 credit. Fingers crossed it all goes smoothly from here.

One of the prevenative medications I took was extremely difficult to get through insurance. The last time I tried to get a refill insurance wouldn’t cover any of it and their system said $2300. I switched to another medication that does something similar but more potential side effects but offering a generic option and it was free and they gave me a 90 day supply over a 30 day. Go figure. I bought a wifi-connected blood pressure cuff since on my HSA, some hair loss medication, and paid an outstanding doctor bill hence the decline.

	6/2/2023	4/29/2023	Difference	% Change
401K	$185,475	$177,848	$7,627	+4.3%
Roth IRA	$28,322	$27,475	$847	+3.1%
M1 Acct	$1,000	$860	$139	+16.2%
Cash	$2,018	$3,551	($1,533)	-43.2%
HSA	$2,591	$2,925	($334)	-11.4%
Total	$219,406	$212,660	$6,746	+3.2%
Credit Cards	$0	$250	$(250)	-100%
Auto Loan	$10,517	$11,975	$(1,458)	-12.2%
Net Total	$208,889	$200,435	$8,454	+4.2%

I think it was a good month. I put a dent in my auto loan, got my credit card balance back to 0. I did have to pull some money from my Emergency Fund and am trying to get that back up again. What isn’t clear to see by these number is my rent is not only paid up for the rest of June but also the month of July. My lease is also up for renewal. Home prices are still at historic highs, even though my ex just bought a $1M house and is making a handsome profit on his old one.

Shortly after my last post I took some car pictures at a local lake, they turned out pretty well. Here are a few. My life in pictures…

I just raised my 401k contribution back up now that most of my big bills are behind me. Really the car insurance is the only one outside of my car loan and that will be around $560 in about 2 weeks. So $206k vs $183k a year ago, $151k 2 years ago, $23k 5 years ago, and -$40k 10 years ago. Sometimes it feels like I’m moving at a sloth’s pace but not too long ago I wondered if my net worth would ever be positive. Thankful I was able to break through these challenges and set the path for the next phase of my life. Ok it’s 2:40am now I should be sleeping. 😴

It’s technically April 29, 2023 as I type this but May 1st is Monday and a new month.

The month has mostly been a blur. On the weekends I play kickball though a few times the games were rained out. During the week I play billiards. Some weekends I practice billiards. Occasionally I’ll see a movie with friends. This month I saw Chevalier, Renfield, The Super Mario Bros. The movies all good for different reasons. I’ve been binging in Star Trek: Picard and The Mandalorian. Both amazing series but STP brought back an incredible sense of nostalgia having watched my first TNG episode back in 1990 with the columbia house videocassettes.

Earlier this month I had a very interesting experience wth my cell provider. For over 2 years I’ve had a 5G phone and 15 with AT&T. However my speeds started getting obnoxiously slow. I reset network setting, rebooted my phone, double checked my data usage. So I called them and spoke for 20 minutes, turns out there are no 5G towers in my immediate area. The f*cking headquarters are less than 20 miles away and there are at least 2000 people who live on just the same street as me. I was livid, so that night I did some research about which providers have the best coverage in Texas. T-Mobile came up time and time again for multiple states.

My T-Mobile experience has been lukewarm. The rep put me down on a hard of hearing plan after I told him to put the chime on the iPhone you had to go in accessibility settings. Then I got home and data worked but not voice. I had the top end Magenta Max plan but downgraded to Magenta at a cost of $70/mo from the $81 I was paying. Giving it a trial run but so far aside from the service initially being slow inside things are improving. Spectrum Mobile is another option if I want to go the frugal route, but there’s a story there…

So for funzies I decided to upgrade to the Spectrum Gig plan at an additional $20/mo bringing the cost up to $100/mo. However I wasn’t seeing the max speed it was supposed to provide on WiFi 6. So I dropped $250 on a fancy Google Nest Wifi Pro 6E router with 2 pods to form a mesh network. Wi-Fi 6E on this device is supposed to offer up to 5.4 Gbps… but in reality that wasn’t happening. More like 600Mbps on the latest MacBook Pro and iPhone 14 Pro hadware. I changed a ton of different settings. Still the same speeds as before. So I called to cancel and had to talk to 3 reps before they were able to resolve my issue. The previous ‘Ultra’ plan was 500Mb download speed and I got a low promotional rate. However once I upgraded, in order to downgrade back that promotional offer ending in January essentially expired. So back on hold…. Eventually they let me keep the faster service and gave me a $20/mo discount to match the previous plan I had. If Frontier didn’t leave a bad taste in my mouth I might’ve switched back.

I just made it home from a Costco run for a few essentials. On a Saturday afternoon I know crazy right… Was sitting in my car dreading walking in but the experience wasn’t too bad. I also ordered some new clothes online with cashback from Rakuten, on friends & family sale, with a new customer code, free shipping, and get cashback on my Chase Sapphire card.

	4/29/2023	3/31/2023	Difference	% Diff
401K	$   177,848	$   173,931	$                       3,917	2.3%
Roth IRA	$     27,475	$     27,186	$                          289	1.1%
M1 Acct	$          860	$          770	$                            90	11.7%
Cash	$       3,551	$       3,135	$                          415	13.2%
HSA	$       2,925	$       3,030	$                        (105)	-3.5%
Total	$   212,660	$   208,053	$                       4,607	2.2%
Credit Cards	$          250	–	$                          250	N/A
Auto Loan	$     11,975	$     12,938	$                        (963)	-7.4%
Net Total	$   200,435	$   195,115	$                       5,320	2.7%

Net Worth is back to $200k again. I’m happy about that, I’ve been steady doing what I can. I did lower my 401k contribution down to 6% from 21%, for a day but then I thought about the long term impact of that decision and quickly reversed. Homes in DFW are also at near record highs from an unaffordability perspective and lots of 1st time homebuyers have regrets about tax assessments going up $100k, or maintenance costs being higher than expected. Near my hometown on Long Island you can stay in a Luxury studio or 1br apartments at The Selby starting at only $3,800/mo. Only $2,666 more per month, that’s a walk in the park right? I wanted to do triple monthly car payments but can only do double unless I stop contributing to my Roth temporarily. I took my dog to the vet for vaccinations and that was $144. My car has some minor paint damage from a recent storm we had with hail. That will run me about $250 to fix on Monday and they come right out to my apartment. Life costs money, even if you cut back. Responsible / practical but not overly strict and the occasional splurge is my approach.

I’m learning as I get older that a lot of the story I have that limits me is in my head. Sometimes you just set yourself a timer and just do however much is humanely possible in a short period of time. That’s what I started doing at least. Cleaning, applying a job, sending an e-mail. It doesn’t have to be *that* complicated. There are also situations where you put too much weight or pressure into something and sort of sabotage it.

Professionally I would love to get promoted and am actively trying to do so. Nothing happens overnight but I’ve been in this industry since early 2012 and many director roles want 10 years experience. If this were to happen I’d see a big bump in salary. There are also other opportunities I’m keeping my eyes out for. A few have approached me on LinkedIn but for companies I thought were in a delcining industry like Real Estate, or a startup. To me startup = high risk, especially if their funding gets cut or is on shaky ground to begin with.

Put my best foot forward and if it happens great, if not I’m not going to lose sleep over it. I have exceeded the aspirations I had in 2008 when I finished grad school. Back then I wanted a job that would pay me $50k/year, adjusted for inflation that’s $70k. I’ve been well above that for over half a decade now.

Completely unrelated, I’m not sure if you saw the buzz from Mr. Money Mustache. He bought a Tesla Model Y whch is controversial because people see him as the frugal guy who spends money on nothing. See his post ‘Frugal Man Buys $52,000 Car – Why??‘. I kind of can relate to him having bought a new car last year when I had a paid off car that didn’t have any major mechanical issues. However in my case it was more a timing thing. Value of old car decreasing rapidly, interest rates rising, and wanting something a bit better on gas. What I owe on the car today is under 6% of my total net worth.

I’m a grown man now, registered this wordpress as a .com, so debtfreealpha.com instead of debtfreealpha.wordpress.com. Time to walk the dog, hit up the gym and seize the day.

Technically morbidly obese but I’m still up and kicking.

Earlier this month I came to the realization I had a problem with spending on takeout food. On average it’s about $25 every time I put in an order and was doing it 5x a week. So $125/wk or $500/mo and or $6k per year. Along with that comes a nice side of high blood pressure and and extra 30 pounds. 271 pounds was my high and that was really awful.

Still doing damage control from years of stress eating, binge eating, not sleeping, high sugar consumption, and not consistently exercising. My weight was 268 this morning so that’s a small improvement. A long way to go…

This month I haven’t done any travelling, I don’t have any plans to go anywhere short term. I was also extremely bitter that someone I chatted with on/off for 120 days who lives <20 miles from essentially ghosted me. He told me he went to a funeral. I said I sorry and asked if needed anything. “No I’m good”… a week goes by and I just fairly unassumingly text Hey. No response even 10 days later. Deleted his texts, name, and number from my phone. Henceforth not chatting with anyone in their 20s. Got burned twice in the last 6 months and learned my lesson.

On to the finances. 401k is down slightly due to softness in the stock market. I did get a small tax refund back of <$400, largely due to some losses from last year related to cryptocurrency. Continuing to add to the Roth IRA , and small weekly additions to the M1 account. On cash the numbers here are a bit misleading. My car payments are caught up until 4/5/23 and I don’t owe another rent payment until 5/1/23.

On the car I’m still chiseling away, made a $647.10 payment on 2/4, a $500 payment on 2/9, and a $487.18 payment on 2/23. I did receive the refund check from the warranty on my last car almost 100 days later… Excluding interest I have about 30 payments remaining on a 60 month loan. It’s a grind but I’m seeing the results. Some people finance a car for 72 months at a crazy high interest rate, not on my watch. Without this debt I’d have over $200k net worth and crazy low overhead.

	2/28/23	1/31/23	Difference	% Change
401K	$ 167,673	$      169,051	$         (1,378)	-0.8%
Roth IRA	$   25,508	$        25,539	$              (31)	-0.1%
M1 Acct	$        663	$             580	$                83	14.3%
Cash	$     3,635	$          3,377	$              258	7.7%
HSA	$     2,988	$          3,104	$            (116)	-3.7%
Total	$ 200,468	$      201,650	$         (1,183)	-0.6%
Credit Cards	$        163	$          1,799	$         (1,636)	-90.9%
Auto Loan	$   14,382	$        15,973	$         (1,591)	-10.0%
Net Total	$ 185,923	$      183,878	$           2,045	1.1%

Not letting money burn a whole in my pocket is sort of a life hack. I basically have every material posession I think I will need for a while. A house / condo / townhouse still seems super unattainable right now. $280k or $320k? For that? What about the mortgage interest, the maintenance and the taxes. Older folks don’t realize how unattainable home ownership is these days, especially for a single person. Even the nicer properties to rent here in the lovely walkable West Village start near $1840.

A year ago my net worth was $182k, but I also didn’t have an auto loan. The market has also been down about 8% since a year ago. April 2021 I was at $150k and April 2020 just around the time I started working from home I was closer to $50,454. 5 years ago a mere $35k. So lots of improvement long term even if short term it doesn’t look the best.

I’ve also been shopping around gyms. I kind of think I should have one gym membership where I can workout with a friend and another where I can go solo. So my Anytime Fitness membership and then maybe Lifetime or Crunch. I really want Equinox but not for 60% the amount of a car payment. The Anytime location called me and said if I wanted to keep going to that location I’d have to spend an additional $20/mo from the $32 I’ve been paying. A 62.5% increase in price for the same membership experience didn’t really seem fair to me. Especially as a customer for years.

In closing I’m trying not to stress about life, or get burned out but it’s hard. Between the reorg, my plethora of meetings (one day I had 10!), timely deliverables, and a Windows 7 laptop with an obnoxiously loud fan that Google won’t even support with the latest web browser…I’m starting to see why people go on sabbaticals especially since I haven’t gone on a vacation / taken a break from working longer than 2 weeks since 2012.

I guess gay men tend to go on more vacations because of good taste and more disposable income often due to lack of a high maintenance partner, or the lack of kids. One of my good friends is in New Zealand and I’m having FOMO. The last time I left the country was to go to my ex’s wedding in 2017, almost 6 years ago. That kind of makes me feel like a failure, only having 1 relationship since late 2014 and even then we never went travelling anywhere together. Lately I’ve just been feeling lost. Do I stay here or do I move somewhere? I don’t think going back to NY is the right answer but I’m also not really happy with Dallas. I like social activities that don’t involve alcohol, but most of the gay scene is around drinking and partying.

Also the pressure of turning 40 in just over 5 months. Not really where I want to be. I also fucked things up royally in my 20s when I quit a job without having an action plan. Today I’m earning the most I ever have in my entire life and there’s no guarantee of finding a higher paying position with less stress. Plus all jobs suck in some capacity… I guess in closing there’s one bit of advice I can give myself. It’s a marathon not a sprint. Time for bed now.

Captain’s log – supplemental.

The news of corporations laying off staff is nothing new to me.
2012 – It happened to me at the glass manufacturing company I worked with less than 2 months after getting hired.
2013-2017 – At my next employer there were multiple rounds of layoffs and I didn’t know when I might be next. After 3 rounds of it and a leaner and leaner team I started looking at options. Thankfully the economy was stable then and I was able to land another job through my network.
2020-Now – There have been a few in the org including those I report to who have been impacted over the years. Positions getting eliminated, furloughs, bankruptcy and other stuff I won’t go into detail here. Fast forward to February 2023 it’s happening again. Roughly 7 people I have worked with personally impacted but hundreds more across the org. Some may get severance packages but I’m guessing it’s a week or 2 for each year of service. Not the months and months some people get at other companies. I feel for them, through no fault of their own things went from a normal week to finding out their position was eliminated.

Am I personally impacted? Yes and no. Emotionally there has been a huge impact. However I still have a job and haven’t needed to take a pay cut or demotion. I am however concerned that I may be at the end of the road regarding promotions at the organization. Also highly unlikely I’ll get a bonus this year if I stay.

What am I doing about all of this? Currently I’m taking two marketing courses on Coursera. One is part of a 7 course program related to marketing and e-commerce, the other is related to the shifts happening between Digital and Analog. Also looking at job postings daily since no one is going to act on my behalf. The jobs I’m looking to apply for pay $140k-$160k but finding them with a match for my skillset has proven quite difficult.

I feel for people who are currently dealing with layoffs, I know how defeating that can be. I can do a week’s worth of modules in a day, over about an hour or so. I skim through the transcript and run on double speed.

Also making a concerted effort to eat healthier and stop ordering food from restaurants. My stress levels have been through the roof and my weight hit 271 at 5’9. If I don’t come up with better ways of managing the stress / eating better I’m just going to get fatter and more miserable. Not to mention be at higher risk for cardiovascular disease, and diabetes. So yeah calm the f*ck down and treat myself right. It starts with sleep and putting healthier items in the kitchen. $25 a meal on Doordash is ridiculous and half the time it’s loaded with sodium, calories, sugar, and fat.

Older people say young people aren’t loyal to corporations anymore. I’m not “young” but can you really blame them? Millennials have gone through so much and we’re not even 40. The dot-com bubble, housing crash, record high inflation, a global pandemic, recession, and a drop in high paying tech jobs we were taught to idolize the last 20 years. Ok bed time.. Zzzzz

Keeping a track of where I’m at now since I have a strong feeling things are going to improve from here on out. For the first time in years my net worth at the end of the year is actually lower than it was at the start of the year. Jan 4, 2022 I was at $196k, now I’m at $173k.

I originally thought I would land somewhere around $200k for the year but that didn’t happen. I bought: a new 2023 Acura Integra, a $1500 5K Apple Studio Display, a new iPhone 14 Pro, 3 roundtrips – Boston, NY, and Orlando, lots of food deliveries, groceries, dining and drinking experiences, Janet Jackson tickets for next year, Lizzo tickets, a Christmas gift for mom, a wardrobe refresh, Sirius XM 12 month, Apple Watch Ultra, CarPlay for my old car, and lots of other big ticket items I can’t really remember right now. So yeah lavish spending.

It was also a time of unprecended declines in the market. As of 12/29/22, my FSKAX % total gain/loss was 12.38% so technically I’m still up but in for the year my holdings were down 19.51%. If things stayed flat, my portfolio value would be closer to $206k. I paid the most I have ever paid in my career in taxes $22k+, then $26k combined between health insurance, HSA / 401k contributions. $48k going out from my gross pay is a pretty largre amount.

	1/2/2023	12/1/2022	Difference	% Change
401k	155,964	163,717	-7,753	-4.7%
Roth IRA	23.403	24,336	-433	-3.8%
M1 Acct	446	200	-246	+123%
Cash Accts	7,002	8,636	-1,634	-18.9%
HSA	3,100	3,088	+12	+.4%
Total	189,915	199,977	-10,562	-5.0%
Credit Cards	0	0	–	N/A
Auto Loan	16,909	18,834	-1,925	-10.2%
Net Total	173,006	181,143	-8,137	-4.5%

With the new year, I jacked up my 401k contributions again and just made my first Roth contribution for 2023. The contribution limits for both have increase and I felt like starting off strong out of the gate. Am I excited about the new year? Heck yeah. I choose to think of the glass as half full rather than half empty.

Last year’s promotion and bonus really helped me gain traction last year. This year I would love to further develop my career. I proactively applied to a role that I think I would be the perfect fit for me in terms of my overall development. It’s not just about money but if I can do a similar amount of work and get paid 30-40% more in the process it seems like a no-brainer. I can be my biggest cheerleader or my own worse sabateur. I want to thrive in any environment through my intellect and skills. I’ll be 40 this year, there is no time like the present. 😀

Quick Snapshot

	12/1/2022	11/8/2022	Difference	Change
401K	163,717	152,338	11,379	7.5%
Roth IRA	24,336	22,832	1,504	6.6%
M1 Account	200	6,594	(6,394)	-97%
EF + House	8,636	8,159	477	5.8%
HSA	3,088	2,960	128	4.3%
Total	199,977	192,883	7,094	3.7%
Credit Cards	0	25	(25)	-100%
Auto Loan	18,834	26,068	(7,234)	-27.8%
Net Total	181,143	166,790	14,353	8.6%

I made a strategic decision to pay off a big chunk of what I owed on the car through my after tax stock market account. The loan is at 3.9% yes but the early time periods is when I pay the most interest. Between my trade and payments I’ve effectively paid off about 54% of the car’s value. So far I have no regrets and the only annoying parts of ownership have been a door ding that I got fixed and a little nick on the rear bumper that some touch up paint will fix. Not including interest I’m down to about 38 months on what is a 60 month loan. Looking to double or triple up on payments depending on how much free cash I have. Triple is about 13 months.

My insurance is scheduled to be paid in the next 2 weeks, man have the prices gone up. $892.54 for 6 months with discounts including paying everything at once. I should start shopping around. The company has to have good reviews in Texas and not have a horribly slow process when it comes to making claims.

So my weight seemingly out of nowhere just shot up into the stratosphere. 268lb and I’m only about 5’9, on 11/6 it was . So I started making some changes including doing more meal prep work, and exercising more frequently. So far down 3 in 2 days but I have a long way to go. I did have to turn down a friend’s travel birthday party plans though in New Orleans. Heavy drinking, really calorie dense food and likely not being able to get adequate sleep are all things that aren’t good for me right now.

I did go on a trip to Orlando in mid November, just the week before Thanksgiving. It was a Wednesday-Sunday trip. I used my credit cards heavily for the trip. Uber rides from Orlando Florida to Celebration Florida are extremely expensive, I paid $90 including tip for a one way ride shortly after my flight landed after midnight early on Thursday. The Disney tickets themselves were $109 a day I think plus taxes and some fees. The Genie / Lightning Passes were more but totally worth it. The last day we spent 3 hours waiting on line for a ride that lasted about 5 minutes. Plus it was raining hahah. I went to Hollywood Studios, Epcot, then Animal Kingdom on the final day. The hotel room I stayed in was about $219 a night including the resort fee. Some friends stayed at a more stuffy luxurious place a 30 minute walk away and the rooms were significantly more expensive. I could’ve shared the room with them but valued having my own bed and being able to stay up late or go to bed early without inconveniencing anyone.

I didn’t buy a new TV *yet*, but did splurge a bit on Black Friday items. Some shoes, a jacket, new dishes, and silverware, additional ornaments for the tree. All the payments have been made on my credit card. My rent is paid for the month of December, and January. Last but certainly not least I’m trying to get better at letting go of people who stopped making an effort with me. It sounds cold but if they barely make an effort in 4 years to even acknowledge me, that’s a sign maybe my efforts would be better spent elsewhere. 😀

401K	11/8/2022	10/5/2022
Roth IRA	152,338	147,597
M1 Account	22,832	21,115
Cash	8,159	6,120
HSA	2,960	1,952
Total	192,883	3,019
Credit Cards	25	179,803
Auto Loan	26,068	0
Net Total	166,790	177,574

Hear ye, hear ye. I am no longer debt free and perfectly fine with that. Life goes on and not everything should revolve around moneyYesterday my great aunt Terry passed away at the age of 91. She and I weren’t particularly close but when I did visit with my parents in Chicago she was always friendly and welcoming. I am reminded constantly of how precious life is.

October 26 I bought a new car to replace the Maxima. It definitely was a want and not a need. However used car prices have been rapidly dropping and I was concerned interest rates would be going up. The car needed a couple of items needed I either paid for up front or got shortly after purchase. $128 to get a small door ding repaired on the driver’s side rear door, $989 for the tint and ceramic coating. Realized that I paid $499 to a local shop to have the paint corrected and a ceramic coating applied. Oh well. Then I got some all weather mats. I’m happy with the car, after 6 and a half years it was time..

The new Integra handles like a dream, has lane keep and traffic jam assist, offers great night time visibility, comfortable seats, a sunroof, and great fuel economy. $15k for my old car with 74k miles and a variety of small issues. Don’t think I will ever buy a Nissan again, 15 years was enough for me and the cars are built cheaply. Almost 15 years of CVTs and they still have issues. Honda on the other hand has a much better track record. The total amount financed was $26,518.57 at a 3.9% interest rate for 60 months and the monthly payment is $487.18. Still figuring out my paydown strategy, on one hand 3.9% is still extremely low in this climate. On the other hand that’s still a lot more debt than I want to owe to anyone. Thinking of paying double payments (one regular, one principal) or something to that effect until it’s paid off.

Life can be humbling sometimes, one of my friends has been looking for a job the past 2 months and is thinking of applying to a lower paying job just to have something. Then I’m reading about massive layoffs both at Meta and Twitter. Many of those individuals earned a similar or higher salary than I have. Puts things into perspective.

Extremely thankful I had a bit of positive work-related news last month. It’s nice for all my hard work to get recognized. I also now have a good cash cushion in my accounts. Cash is king but not so much in a rapidly inflationary environment. Still the market has gone to hell and with high interest rates and only a small correction in pricing it doesn’t look like home ownership is happening anytime soon. Even if I didn’t buy the car my net worth would be only $6k above where it was last year. Considering all my contributions, maxing out the Roth IRA for 2022 and much improved cash position that’s bonkers.

Went to a lovely election night party with friends. My candidate of choice didn’t win but I’m still here and I have a lot going for myself. Going to the gym and exercising as much as my body will allow. Disney trip next week, much needed. Don’t spend too much on Black Friday / Cyber Monday. 😉 Peace.

On Monday I found out that I had incredibly high blood pressure. 140/92 then she took it again, 140/96, when I got home it was 145/104. The day before I had some drinks, a redbull, and some salty food at a local restaurant. Also more stressed than normal with work, my personal life has been going fine. I do need to make better choices when I’m out with my friends. Just because their bodies are fine with certain activities, doesn’t mean I won’t quickly start to feel the pain.

The doctor put me on a diuretic which I started taking for the first time today. Miraculously my numbers dropped to 128/78 which never would happen otherwise. Still looking look at diet and lifestyle choices more. Sodium is in everything I eat out but I can make a specific choice not to overdo it. I’m adjusting to not just eating what I have a craving for all the time, it’s rough. 😛

I’ve been trying to not look at the market as often as I used to but it’s hard. I made some recent changes due to my upcoming car purchase. Basically for my M1 account I stopped adding $400/mo and my 401k contributions have dropped to the maximum amount for the match. YTD between my 401k contributions and employer match I’m at $17,677 and $4,500 in the Roth. I almost cashed out my M1 account but literally hit the stop botton 15 minutes before the sell order would’ve kicked in.

	10/5/2022	9/3/2022	Difference	% Change
401k	147,597	150,337	(2,470)	-1.8%
Roth IRA	21,115	21,516	(401)	-1.9%
M1 Account	6,120	6,388	(268)	-4.2%
EF+House	1,952	2,728	(776)	-28.4
HSA	3,019	2,982	(+37	+1.2%
Total	179,803	183,951	(4,147)	-2.3%
Credit Cards	(2,229)	2,312	(83)	-3.6%
Net Total	177,574	181,639	(4.064)	-2.2%

So my current plan is to stack up cash and use it for the down payment on my replacement car, a 2023 Acura Integra w/Tech Package. I wanted something a bit more youthful than my mostly trusty 2016 Maxima and the BMW i4 would be almost $20k more with tax credits no longer applicable. There is a $1k refundable deposit that will go on my card presumably once the vehicle is in transit via rail. That hasn’t yet hit. The total OTD cost should be about $41,210.37 for 60 months at presumably $757.09 per month assuming the 3.9% interest rate holds. However I hate paying interest to anyone so I can accelerate this and probably pay the car off in 18 months. So hypothetically applying the $18,400 Carvana is offering me would drop the principal balance from $41,210.37 to $22,810. Divided by 18 that’s 1267/mo. or $600 everytime I get paid which is not too crazy. Just need to stop ordering DoorDash so much… 🙈 If I cash out my brokerage account I’d only have a principal balance of $16,810 to pay. Considering my salary those numbers really don’t look that bad.

Tentatively it looks like I’ll have until the end of October to decide how much I want to put down. That’s assuming the get their allocation as planned. Hopefully my Nissan’s value stays up long enough, the used market is quickly starting to drop.

My net worth is still down to a year ago where I was around $185k. Still doesn’t look like I’m breaking $200k anytime soon. I can dollar cost average but not sweating splurging for a bit on things outside of investments while the market has been in a freefall. As much as I want to retire early, I also want to start enjoying life now more. I feel guilty spending money sometimes after years and years of being in debt, but it’s about balance. Also if I’m not healthy the money means zilch.

Today I paid my rent a month early for peace of mind. I feel incredibly lucky to be able to do that, lots of people have high rents or just simply don’t have that luxury. I find out next week if I’m getting a raise or a bonus. Crossing my fingers for both. It’s been an intense year.