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.

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

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. 😀

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.

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.

I really wanted to believe. I put my car preorder in for the BMW i4 on 7/27 but some major changes have occurred in the weeks since.

1. Both the Senate and House of Representatives have passed a law that will have some significant changed on the IRS EV tax credit.
   (1) after December 31, 2021, and before the date of enactment of this Act, purchased, or entered into a written binding contract to purchase, a new qualified plug-in electric drive motor vehicle (as defined in section 30D(d)(1) of the Internal Revenue Code of 1986, as in effect on the day before the date of enactment of this Act
2. Tomorrow 8/15 President Biden is expected to sign the bill
3. Dealership I’ve been working with will not be able to provide a contract on a vehicle that doesn’t have a VIN.
4. There are literally 0 i4s available on a lot for purchase within 300 miles.
5. The Texas EV rebate program hit the 2022 cap on applications being processed, so would have to wait until 2023.

The different is significance this would be the difference between a $60k purchase and a $50k one. $10k of “free” money that I would’ve been able to apply or receive back at some predetermined future date. So to coin and expression from Shark Tank. For that reason I’m out. So I’m going to keep on doing what has allowed me to double my net worth in 2 years, and quadrupled in 3 years. Maybe one day I’ll buy a BMW, or an EV in general. Just not today.

I switched my 401k back to 19% of my income and bumped up my brokerage contributions to $100/wk or $400/mo. I’m saving $500/mo in a house downpayment fund, also $500/mo in the Roth IRA. I set the rules and don’t have to go crazy. A month from now I might adjust some of these numbers. My investments are at $195,719 today and I have an 827 credit score so I’m doing something right. 😀

Last bit of ranting aside.

My 2016 Nissan Maxima has 72,600 miles. This one I found on Autotrader from the same year has 187,339. So maybe the old gal has a couple more years left in her?

Shit, maybe I’ll be like this woman? 93-year-old Florida woman retires her ’64 Mercury after 576,000 miles on the road. It’s so liberating not having a car note. I’m thoroughly taking advantage of that. Take care guys! 🙂

After my last post, you didn’t think I was stopping net worth updates did you?

7/31/2022:
401K:  $155,364
Roth IRA:  $22,084
M1 Acct:  $6,212
Buffer Fund:  $2,502
HSA: $2,879
Total: $189,042

7/1/2022:
401K:  $141,729
Roth IRA:  $19,926
M1 Acct:  $5,251
Crypto: $0
Buffer Fund:  $2,302
HSA: $2,788 
Total: $171,997

The market has had a bit of an uptick, I’m up 9.9% for the month. Most of my investment contributions are on autopilot by design. This is promising but I still feel like there will be a drop with rumors of recession looming in the shadows. Compared to a year ago I’m up about 10.5%. Trying not to look at the numbers too much but I’m up at least. August 2020 my net worth was only $95k, that’s still almost a 2x increase. My M1 account is up 22.95% all-time right now, only 1.34% down in 1 year. Maybe I’m a better stock picker than I thought? I really like picking a couple companies I like, a few dividends, and an index fund.

Debating whether to add the money I’m setting aside for the car / home down payment here. I probably will next month because both are relevant to my overall net worth. So far my 401k lower contribution amount hasn’t kicked in yet. My higher $1134 rent payment just kicked in, from the older $955/mo amount. Still close to dirt cheap though.

The American Dream for many has become the American nightmare and nothing I do is 100% set in stone. If the tax credits completely go away for the i4 I won’t buy it. Not paying $10k more when I really don’t have to. Houses especially older ones can suck up a lot of money in repairs. A friend purchased a home last year and already she has something come up requiring $21k of repairs. My stepdad pays close to $12k per year in taxes on a house he recently paid off and says he’ll sell this year. Maybe one of these thousands of new homes being built will drop because people stop buying them. Almost time for brunch. Be well!

This is a long post. You’ve been warned. 😛 Let’s have a momentary flashback. 2012 when I started this blog I had massive debt proportional to my income. Shit, I just started my first full-time job in Marketing. My salary was in the mid $30s and my debt was over $45k. I had to count every dollar, and use everything I could to get out of debt. The numbers were too out of whack. All this debt and lack of career prospects were big motivating forces to leave New York and move to Texas. On paper it made sense even though I gave a lot of things up including being in close physical proximity to my parents and good friends at the time. I was 29 then and having a bit of a mid-life crisis. I didn’t want to be that millennial who had student loan debt for the rest of their life and racked up massive interest. Then hope the federal government bailed me out. My father was disabled and lived off an SSI check every month and a couple extra bucks from babysitting. God willing I would use the power of my mind and physical abilities to support myself in life and become independent.

So I did. I went from a total net worth of -$50k to over $200k. 5x higher net worth, better paying jobs and hitting the much coveted six figures. During a period of record inflation, covid deaths, monkeypox, international unrest, a very polarized America, what I consider a national crisis with gun violence in the country, a time when I wonder if my rights to marry the man of my dreams will be taken away. I got caught up in external factors and neglected myself.

How? Well the most visible was my weight, I hit the highest weight of my entire life on July 11, 2022 a massive 263.6 pounds. Then I got serious about cutting back on sugar and eating a normal amount of calories. Fucked around with Intermittent Fasting again. Now 18 days later I dropped 10 pounds and am still going at it. Before Covid times I was 240 and I know I can get back there again. In a completely supportive healthy non-obsessive way. With that weight comes high blood pressure, risk of stroke, lack of energy, sweating profusely in moderate intensity activities including the sports I play. So it’s a huge quality of life item.

What is my breakthrough moment? I went *too* far the other way though with saving and investing. Counting every dollar for every decision. Leaving myself just a couple of hundred dollars to spend on things outside of investments every 2 weeks. You can do that for a while but overall it’s not healthy in my opinion. So I’m making some changes. People might not agree with them but for me it’s what I need to do at least right now to bring more joy into my life.

I’m continuing to max out my Roth IRA each year at $6k/year and doing $300/mo to my M1 account. The M1 contributions might increase to $500/mo or more, have to see how I feel about it. My 401k contributions are dropping to 6% of my salary. $1625 a month was too high and didn’t give me enough free cash on-hand. Why do I need cash?

1. My current car has been pretty reliable with a fairly low cost of ownership. Aside from gas that is… It has 72k miles. Every 30k miles I need to do a $200+ CVT fluid change to make sure it doesn’t blow up, the shocks, and brakes are probably going to need replacement soon, new spark plugs, and normal things like oil changes. This car is also being discontinued by Nissan. 15k miles per year / 23mpg = 652 gallons of gas per year, at $4/gallon is $2,608 a year… Times 5 years that’s $13k just to fill the car up. I’ve driven Nissans for 19 years and internal combustion engine cars for 21. Nissan as a company has had multiple class action lawsuits related to the transmissions in their cars, mine squeaks and rattles when it gets cold. The service experiences I’ve had are kind of disappointing including one where I spent the better part of half a day trying to get a new tire and having the service person put in the wrong address for my Lyft ride back to the station. Used car prices are going to start dropping and a car with over 100k on the odometer I also expect to drop even more.

Last month I did try to buy an Acura Integra, but… While much better on gas, it’s still going to need to burn it. Then the power is only 200hp and it has a CVT with a turbo on top of that. 14 years of CVT transmissions I didn’t want to buy a car with one of those ever again if I can avoid it. Plus the backseat room isn’t so great and many dealers are adding thousands to the price due to market conditions. So scratch that option…. Looking at some EVs – The Tesla model 3 interior is too spartan for me, basically no buttons and you need to turn your head to the side to see your speed, and still build quality issues. It also doesn’t qualify for the current federal tax credit. Polestar is almost impossible to find, Rivian / Lucid too expensive. After an acquaintance died after a Kia / Hyundai fire I refuse to buy one even their EVs. Chevy Volts are tiny, catch on fire, and GM/Ford build quality… Mercedes EQS is too expensive. Toyota bZ4X can’t be preordered and they stopped production for August.. Hybrids like Honda Accord Hybrid are an option but more mechanically complicated and much less horsepower, torque, and fun one by comparison.

I placed an order on is the low end BMW i4 eDrive 40. The car is selling at MSRP (no markup) and there is a 10-12 month wait time. So that’s June-August 2023. The selling price is $59,570, out the door price is $64,821. It’s not cheap. From that $64,821, take $7,500 off for the federal tax credit and another $2,500 for a Texas state rebate. So now we’re down to $54,821. My trade could get $17k in a year I estimate so that’s effectively $38k being financed. Then roughly $10k in gas savings over 5 years. Those savings won’t all happen at once though. I’m trying to cashflow as much as I can starting now to not have an $800/mo payment. An extra $10k would drop that to $630/mo, $20k would be $463/mo. The tax credit / rebates would essentially knock off another $166/mo. While not super unreasonable, it’s still debt and I’d rather keep that payment as low as possible. Thinking I save $10-$15k for the down payment depending on when the car becomes available. I’ve wanted to buy an electric car since 2014 but the options just haven’t been great to me. BMW has been manufacturing them in a limited / testing capacity since 1972 and the first electic cars were in-use in America in 1897. Big oil won the battle and the electric vehicles disappeared by 1920. In 2006 the documentary Who Killed The Electric Car came out.

What about charging?

Option 1 – Most expensive – there is literally an app for that called Currently EV Charging (https://apps.apple.com/us/app/currently-ev-charging/id1624940687?see-all=reviews) that works on a monthly subscription model. They charge by the kWh. The i4 has an 84 kWh battery, so that’s 67 to get it to 80%. So let’s use the Commuter option at $15/mo / $0.58 per kWh and we schedule a fill up 3 times a week. That’s $40 + $3.75 for the most expensive option. They say they’ll deliver up to 100 miles per delivery.

Option 2 – There are more and more places to charge up. EVgo near me is $0.20/minute, charges at 50 kW. That would be 1.34 hours a week to hit 80% from absolutely 0%, 60 x $0.20 + 4.95 = $21.03

Option 3 – Another charger at 7/11 charges at 90 kWh, so that is 45 minutes. $0.55 per kWh or $37.

Option 4 – Tesla is going to open up their supercharger network at the point in the future. The assumption is they’ll start charging more than for their own vehicles. This likely will start happening before my delivery date.

Option 5 – A permit was applied for a nearby shopping area for charging (presumably free) to happen in May 2023.

Option 6 – A bunch of free / slow as shit chargers at 6 kWh throughout the area.

Option 7 – A Chevy dealer will be opening 8 high speed chargers that will operate at 120 kWh and do a full charge in 35-45 minutes. From what I’ve read at $0.14 per hour that’s $3 for a full charge.

Option 8 – It comes with 2 years of free charging through electrify america. The nearest one to me is in Fort Worth and kinda far but there is a possibility more will be built closer to me in the next 12 months.

*Option 9 – Charge at home when I eventually buy one. This option is at least 2 years out and would be the most cost effective option. Particularly if it is semi powered with solar energy.

2. I’m going to start saving for a home. I know I’ve been talking about it for years now but I’ve reached the breaking point. The housing market is slowly correcting. I can probably get some type of downpayment assistance but not sure if I will need it. In my mind I’m still thinking 10% on a $200-250k property whether it be a townhouse or a condo. That’s roughly $20-25k by summer of 2024. Given my income I think this is doable. I don’t want to be in my 40s renting unless I’m getting some killer investment returns. The last year that hasn’t happened haha. Renting elsewhere is an option but $1700/mo and no equity would be a real bummer. At some point I’d probably inherit my parent’s / childhood home but I’m not banking on that and hopefully that’s not for a couple decades from now. The goal would be to have the house paid for completely (or at least have the money set aside to do it) by the time I’m 50.

So here’s to making some changes that I think will bring a little more excitement to my life. I’m still going to be investing. Just cutting myself some more slack for a bit.

Last but not least I’m turning 39 in just over a week on Monday. A lot of my more formidable years are behind me. The struggles of being an in the closet teen, dealing with loss, coming of age and completion of 3 college degrees in my 20s, enlightenment / slowing down / self-awareness of my 30s. I still like to think I have a lot of life ahead of me in my 40s and beyond. I’ve also seen a lot of the reverse. Stay happy, healthy, and much love. Time for bed…

Happy 4th of July! There are times I forget I have a personal finance blog. It’s been about 10 years since I started on here. With all the turbulence in the market sometimes ignorance has been bliss. I used to obsess over money, but no more. Enjoying life and finding balance in recent years has been the goal. I can’t save every $ I earn and invest it and I’m perfectly fine with that.

So that’s where my recent purchase comes into play. The 27″ Apple Studio Display. I have a 27″ monitor I use for work that works perfectly fine, a 2020 purchase. However earlier this year Apple debuted this monitor that is arguably the best build quality in the industry and one of few options. It’s 5K, not 4k and the text / graphics / video are all crystal clear. It’s got some amazing bass, 6 speakers with support for Dolby Atmos, an aluminum enclosure, 3 USB-C ports on the back. MacOS does some weird things with 4K up to 5K resolution and scaling back to 4K. You have to experience it in person, pictures don’t do it justice. With my Apple Card, I do 12 monthly payments of 0% APR or $133.25/mo and $131.92 in tax. I could pay it off in full but don’t see a reason to. Zero percent is still zero.

So back in 2016 I bought my car for about $5k off MSRP. At the time it was a decent deal. The car is still purring along over 6 years and 71k miles later. I have a warranty on it until 2024 or 120k miles. However it’s starting to show its age, creaks and rattles in the cold, little rock chips and dings in the paint, some technology limitations like no Apple CarPlay, no LED lights, smart cruise control, or lane keeping assistance. The fuel economy is alright at 24mpg but 34 or more would be amazing especially at $5 per gallon (my car in 2015 was only averaging 29). Carvana offer is about $20k, a local Acura dealership only offered $15k and they likely wouldn’t have the car in stock until August if not later. So I politely walked out with my title, and second set of keys in hand. On top of that the offer on the car is MSRP, not even $500 less. If the economy goes south, incentives on cars will come back. I still am casually looking at other cars but the reality of the market is quite apparent.

Some events have happened recently that left me with a bad taste in my mouth. Without going into details, it was a wake-up call to become more proactive. Doesn’t matter how much effort you put in, sometimes you still get treated like crap. Loyalty is kind of dead, have to look out for yourself. Never trust what a 3rd party entity tells you especially if you keep getting stringed along. So balancing feelings about that and not worrying about things beyond my control.

So let’s talk about numbers.
7/1/2022:
401K:  $141,729
Roth IRA:  $19,926
M1 Acct:  $5,251
Crypto: $0
Buffer Fund:  $2,302
HSA: $2,788
Total: $171,997

5/30/2022:
401K:  $152,176
Roth IRA:  $20,856
M1 Acct:  $5,239
Crypto: $0
Buffer Fund:  $2,050
HSA: $2,292
Total: $182,613

So yeah, I’m down $10,616 or 5.8% in a month, that happened. Even worse when you consider all the contributions I’m making to my investments. On 6/30/21 my net worth was $159k! I still have a lot of time left until retirement but it’s not a good feeling. I keep dollar cost averaging with the expectation the market will rebound. For me to hit that $200k goal I had my portfolio would have to increase by 16%.

Recently I went to a friend’s pool party in a much newer development than mine. It was glorious, the refrigerator, countertops, floors, lighting, pool, on-site workout facilities. I was just in awe of how beautiful it all looked compared to my no frills arrangement in North Dallas. 1983 vs 2012 design.

One of my close friends is trying to convince me Texas has turned into Gilead and I should move elsewhere closer to my family. I have mixed thoughts on that. On one hand the political climate of the country is becoming less and less welcoming to certain groups of people. There are very early talks about reversing supreme court decisions regarding matters related to gay rights and marriage equality. When I hear politicians from Texas and Florida talk, it seems like they want to take things back to 1970. Today I heard a bit of a “surmon” from a Fort Worth preacher in early June who is promoting violence. This is someone who is supposed to be preaching god’s teachings. Moving could also be incredibly stressful with no support system. New York would be the best option for me there but then my cost of living goes up Salary.com showed a 69% cost of living increase, and a 15.3% salary change increase. Really not worth it. Plus two of the nicer complexes I checked out near my hometown start at $3200/mo, the other was about $3900. This is the surburbs, not even NYC.

One of my friends put it best, he’s going to just keep dollar cost averaging and stop checking his portfolio daily. I should probably do the same but I’m a numbers guy. Can’t let the market and overall economy get to you. Just keep going strong and remember this all goes in cycles. Cheers!