m741's ERE Journal

Where are you and where are you going?
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Frugalchicos
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Re: m741's ERE Journal

Post by Frugalchicos » Wed May 10, 2017 8:44 am

Hi m741,

Glad you chose Spain as a destination. I am from the Basque Country of Spain.

Which city were you thinking? I recommend using Airbnb and then a website like idealista.com.

Shoot me a private if you need more help.

Cheers,

Frugal Chico

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Re: m741's ERE Journal

Post by m741 » Wed May 10, 2017 10:37 pm

@frugalchicos - We're visiting mostly Barcelona, but also a two days in Tarragona. We're staying in AirBnBs.

Any unusual destinations, or sites/restaurants/bars you think of as more classically Spanish/Catalan? (Stuff that's not Sagrada Familia and other big tourist sites).

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Re: m741's ERE Journal

Post by Frugalchicos » Thu May 11, 2017 8:37 am

Morning m741,

Barcelona is a pretty cool city, Barrio Gotic and Borne are my favorite neighborhoods. Avoid Ramblas and all that touristic crap.

Places I highly recommend: - Canete (it is the exception in Ramblas) and Arume (Raval).
Canete might fall under the fancy/ more expensive kind of place. However, it is a classic and has pretty awesome tapas.

Arume was and is one of my favorite restaurants on Earth. It is a pretty cool family restaurant (two brothers, two restaurants) with homemade food, cheap and delish.

Have fun!!

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Re: m741's ERE Journal

Post by m741 » Sat May 13, 2017 8:57 am

10.5 Months Out

Financial changes

I met with my tax advisor two weeks ago. It's always a productive meeting, and he's pretty supportive of my plans (though I haven't told him about not working, just taking a few years off). It's good to get professional confirmation that my thoughts, or what I read online, is a good idea.

I had some action items and notes which may be useful to (American) readers:

* I've been following the Mad Fientist HSA plan (basically, HSA is the best retirement account, so max it out if possible). He confirmed it as a good idea and had a great suggestion: create a new email account, and send all health expenses to that account: receipts, bills, etc. Even bandaid receipts :). So, I'm gonna be doing that. Then it's easy to withdraw and have evidence of the expenses.
* He confirmed that maxing out the IRA this year and next year make total sense, even though I'm not in a tax bracket where that's with pre-tax dollars.
* Since I'm also looking at doing some small freelance web development, possibly in combination with my gf, he suggested creating a separate bank account for write-offs, which makes sense. Just print the statements as a 'business' account and there's tax justification. I feel like there's probably more to be done here: I've never freelanced before, beyond 2-3 jobs for friends.

The rest was more particular to my situation. Besides that, I've been doing the following things:

* Continuing all spending on credit cards to hit spending bonuses.
* Actively listing and selling lending club loans. It takes a few minutes and I'd like to be in an easy position to close the account at the end of the year. Bit-by-bit I'm making progress.
* Continued selling off a lot of physical stuff. It's amazing how much I had in a little apartment. Mostly books, gifts I received but didn't want, and old electronics. I sell through a spreadsheet at work, which means I also track what I've sold. Over the past few months, that's 170 different items. Sure, the bookshelves are a little lighter, but it feels like there's still so much left to sell or donate.

Mindset

It's been pretty rough. Stressful at work, and that leads me to question why I'm staying. But abstractly it makes sense right now. There's some stuff coming up at work, if it goes really terribly (for my team, not for me personally), I may not be able to handle it anymore, which could throw off timings. I'd really prefer to have that extra cash in my pocket, though. Working for another 10 months would easily cover the trip (for two), relocation expenses, etc etc.

I've just got so much whiplash from enjoying and not enjoying work every two weeks. Likewise, I get whiplash finding hobbies and then not having time to pursue them; I don't know whether that will actually change once I don't have a job.

On the whole, right now it's mostly just coping with work, dreaming about not working, and making the most of the remaining time I have in NYC.

In the next two weeks
* Actually set up dental/vaccination appointments
* Donate a bag of stuff to Goodwill (start getting tax writeoffs for physical donations)
* Continue selling loans on Lending Club
* Travel to Barcelona for a week :)

---

@frugalchicos - Borne was not on my list, will make sure to check it out. I don't eat meat or fish, so Arume doesn't look like an option, but I'll put Canete on our list :). It's not expensive coming from NYC!

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Re: m741's ERE Journal

Post by halfmoon » Sat May 13, 2017 9:32 am

m741 wrote:
Sat May 13, 2017 8:57 am
Donate a bag of stuff to Goodwill (start getting tax writeoffs for physical donations)
Not that it's a big deal, but you can't write off donations unless you itemize deductions. I don't think you have a mortgage or property taxes, in which case it's usually hard to hit the itemization threshold unless you have significant charitable donations. If you do, be sure to keep a list of the items you donate and their fair market value. If you claim more than $500 in non-cash donations, you'll need to file a separate form documenting the details. Maybe you know this, in which case I apologize for the lecture. ;)

More importantly: congratulations on your impending retirement and travel! Doing this when you're young and adaptable is a wonderful plan.

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Re: m741's ERE Journal

Post by Chris » Sat May 13, 2017 11:05 pm

halfmoon wrote:
Sat May 13, 2017 9:32 am
Not that it's a big deal, but you can't write off donations unless you itemize deductions. I don't think you have a mortgage or property taxes, in which case it's usually hard to hit the itemization threshold unless you have significant charitable donations.
True in a lot of the country, but not in the NYC area, we've got high state and local income tax /-:
Since those are itemized deductions, there are lots of renters who end up itemizing.

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Re: m741's ERE Journal

Post by halfmoon » Sun May 14, 2017 8:19 am

Wow. I'm used to complaints about our (WA) sales tax, but I just googled NYC taxes. You have a pretty high sales tax rate on top of the state and city income tax. I'm going to make a wild guess that property taxes aren't low either. Probably not a good place to live in retirement. ;)

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Re: m741's ERE Journal

Post by m741 » Tue May 30, 2017 6:26 pm

10 Months Out

Retirement prep
Nothing too much. As the market remains high I've seen pretty ridiculous gains. I've mostly continued the same trend as before, though was on vacation for one week:

* Selling Lending Club loans.
* Continued spending on credit cards.
* Maxed out the IRA for 2017.
* Haven't sold many more items, but have identified another round of stuff to sell. I've also found a Goodwill nearby, and will no longer be giving stuff away for free to coworkers, so I can get itemized charitable deductions.

Outside of the purely financial, I've scheduled dental checkups and a doctor's appointment, to get more vaccinations.

Mindset

It's been better. I'm still not happy at work, but this biweekly posting cadence on the journal makes everything seem to happen faster; I'm not sure why. So, it's starting to feel like the end is in sight, even at 10 months out. That's good. Beyond that, my new boss is a huuuge improvement (started in April) and has lots of good projects which target morale+team impact first. So, right now things are pretty decent, but it feels a bit fragile. Fingers crossed that the trend continues.

In the next two weeks

* Attend scheduled medical appointments.
* Continue selling Lending Club loans.
* Figure out whether I want to do LASIK this year, before my big trip, and if so, with what doctor.
* Donate to Goodwill.
* List more stuff on corporate network for sale.
* Finally list kitchen sink-attached dishwasher on Craigslist (too big to transport myself), to see if there are any buyers.
* Track all expenses for June (establish new expense baseline to start getting into actual retirement calculations, since my last one is a few years old!).
* Withdraw a little from stocks and move to bonds or gold.

---

@halfmoon - NY/NJ taxes are indeed quite high. I believe NJ has some of the highest property taxes in the country. Hence, looking to move to Washington right after retirement, at least to start with.

@frugalchicos - I had a great time in Barcelona, Borne and Gracia were my favorite neighborhoods. However, Tarragona was slightly more my speed. I find I like smaller cities more than larger ones, at least in Europe (since pretty much all cities are walkable or have decent public transit).

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Re: m741's ERE Journal

Post by Shawndev » Wed May 31, 2017 7:43 am

m741 wrote:
Thu May 04, 2017 10:52 pm
@giskard It sounds like you (maybe) have two questions: why am I still working, and what do I think of the work?

Simply put, I'm still working because I get a really high salary, my gf needs to work off some student debt, and I feel like it would be weird to quit before her; by continuing to work this year, I can also squirrel away a lot of money for either security, future indulgences, or to donate to charity. It's not more complicated than that.

As for the work... that's a more difficult question. I was programming BASIC when I was 6 or 7 years old, I did website design for a while when I was young, I took computer science courses in high school and did well in them. I've loved developing intuition for debugging and that little jolt when something complicated works right. So I enjoyed programming. On the other hand, I always had some internal resistance to it and was never as passionate as many of the people you see online. And honestly for 8 of the 10 years I've programmed professionally, I've basically been overpaid to write CRUD-type apps over long work hours. That meant no energy to program interesting stuff at home.

Collectively, a lot of this soured me to programming: lots of cross-team politics; lots of pointless office bureaucracy; lots of feeling like the apps I was developing were just flipping bits on some hard drive somewhere and doing little else; above all, programming 'challenges' that were simply trying to figure out how to abuse some library because I wasn't doing something it was designed for, or the "Do I put this in Class A or create a Manager for that class? Do I create an interface or just the concrete implementation?" I can't give a shit about this stuff anymore. It's all so arbitrary, too: become an expert in some library that's gonna be thrown out in 6 months; why both studying all the stupid quirks of something that's gonna be obsolete in 2 years?

I don't think I could stomach any project larger than a week or two, where I don't have 100% creative control. I think I'd scream if my entire day consisted of sitting in an open-floor office plan and writing HTML forms and servlets to process them.

So, right now I don't enjoy programming, but more than anything I need some distance. I could certainly love programming again. I know almost nothing, so there's always more to learn. I have a few hobby ideas and if I sat around for an afternoon I'd likely have more. I'd like work my way through SICP and the Art of Computer Programming, and write compilers in different languages. And 'consultant' does sound attractive, it's an option to keep in my back pocket.

But right now, I think if I was gonna do another job - and I'll likely return to work at some point - it would be something where I'm at least improving something in the physical world part of the time.
I am also software engineer sometimes i fed up about the life the way its going. So i decided to leave all things but i found your post on google search and quite happy now.

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Re: m741's ERE Journal

Post by Shawndev » Wed May 31, 2017 7:46 am

m741 wrote:
Thu May 04, 2017 10:52 pm
@giskard It sounds like you (maybe) have two questions: why am I still working, and what do I think of the work?

Simply put, I'm still working because I get a really high salary, my gf needs to work off some student debt, and I feel like it would be weird to quit before her; by continuing to work this year, I can also squirrel away a lot of money for either security, future indulgences, or to donate to charity. It's not more complicated than that.

As for the work... that's a more difficult question. I was programming BASIC when I was 6 or 7 years old, I did website design for a while when I was young, I took computer science courses in high school and did well in them. I've loved developing intuition for debugging and that little jolt when something complicated works right. So I enjoyed programming. On the other hand, I always had some internal resistance to it and was never as passionate as many of the people you see online. And honestly for 8 of the 10 years I've programmed professionally, I've basically been overpaid to write CRUD-type apps over long work hours. That meant no energy to program interesting stuff at home.

Collectively, a lot of this soured me to programming: lots of cross-team politics; lots of pointless office bureaucracy; lots of feeling like the apps I was developing were just flipping bits on some hard drive somewhere and doing little else; above all, programming 'challenges' that were simply trying to figure out how to abuse some library because I wasn't doing something it was designed for, or the "Do I put this in Class A or create a Manager for that class? Do I create an interface or just the concrete implementation?" I can't give a shit about this stuff anymore. It's all so arbitrary, too: become an expert in some library that's gonna be thrown out in 6 months; why both studying all the stupid quirks of something that's gonna be obsolete in 2 years?

I don't think I could stomach any project larger than a week or two, where I don't have 100% creative control. I think I'd scream if my entire day consisted of sitting in an open-floor office plan and writing HTML forms and servlets to process them.

So, right now I don't enjoy programming, but more than anything I need some distance. I could certainly love programming again. I know almost nothing, so there's always more to learn. I have a few hobby ideas and if I sat around for an afternoon I'd likely have more. I'd like work my way through SICP and the Art of Computer Programming, and write compilers in different languages. And 'consultant' does sound attractive, it's an option to keep in my back pocket.

But right now, I think if I was gonna do another job - and I'll likely return to work at some point - it would be something where I'm at least improving something in the physical world part of the time.

I am also a software engineer sometimes i fed up about the life the way its going. So, i decided to leave the things but i found you post on google search which redirected to this page. I read all the story and now i am quite happy.

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Re: m741's ERE Journal

Post by halfmoon » Wed May 31, 2017 8:09 am

m741 wrote:
Tue May 30, 2017 6:26 pm
@halfmoon - NY/NJ taxes are indeed quite high. I believe NJ has some of the highest property taxes in the country. Hence, looking to move to Washington right after retirement, at least to start with.
Washington DC or state (locally called The Other Washington)? I live outside of Seattle and love it. Real estate and rent are pretty high, though probably better than NYC. I thought you were planning to travel for an extended period, though. Do you plan to maintain an apartment somewhere while you travel? My apologies if you already covered this in a previous post; I can't seem to find it.

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Re: m741's ERE Journal

Post by halfmoon » Wed May 31, 2017 10:33 am

m741 wrote:
Sat May 13, 2017 8:57 am
On the whole, right now it's mostly just coping with work, dreaming about not working, and making the most of the remaining time I have in NYC.
I forgot that I wanted to comment on this in my previous post. Instead of just surviving the next 10 months until you can travel, how about pretending (on your time off) that you and your GF already are traveling? You could be tourists in both NYC and rural areas, stepping outside your comfort zone in ways that you plan to do when you're on the road. Examples: eat strange ethnic food, use only what you can fit into a knapsack, explore the countryside, camp in a park, walk/bike around neighborhoods you don't normally frequent, go into local bars and start conversations. If you really get into it, you might learn some things about yourselves and each other that will help in planning the extended travel.

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Re: m741's ERE Journal

Post by m741 » Wed May 31, 2017 8:37 pm

@Shawndev - Thanks! Hope you come back!

@halfmoon - Washington State. And I guess I wasn't clear. So the plan is: 6-7 months travel; move to WA state; stay for some length of time (1 to X years); consider moving elsewhere. I said "immediate" because longer-term (3-5 years, we may not end up in WA state). There are very good tax reasons for the move to WA state for 1-2 years, which maybe I'll get into.

As for the travel idea - great minds think alike. I'm treating this last 10 months sort of like "traveling" in NYC to see stuff I haven't yet, which is a lot of the city, given its size. But what I look forward to most travel-wise post-retirement is the opportunity to experience things at my own pace, which is kinda the opposite of work as the "travel" is cramming that experience into weekends. Stepping outside my comfort zone is a separate thing entirely and a bit orthogonal, but I agree it would only be good for me :).

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Re: m741's ERE Journal

Post by m741 » Thu Jun 15, 2017 4:12 am

9.5 Months Out

Retirement prep
I've been keeping busy. I've been selling my Lending Club loans aggressively. The note-trading platform is pretty sophisticated - due to state rules I've only ever been able to use the trading platform, never buying new notes (NJ laws), but I hadn't used it to sell. You can sell in bulk and select discount/premium in bulk. Now I'm down to $1400 invested, from a high of $10k. I can take my foot off the gas and see where things shake out in October; some loans should be complete by then. I've also been tracking all my expenses for the first time in two years, with the goal of re-establishing my spending baseline. I think I'd like to continue with that over the next few months.

I went to the dentist and doctor. I've now gotten my Hep A/B vaccinations. I had no pressing reason to, but why not while I've got top-of-the-line insurance? I'll be getting Typhoid vaccinations at the end of the year, (I think that's the one), and malaria pills. I'm also pretty sure I'll be doing LASIK. I found two options through references at work, in the next month or so I'm hoping to schedule appointments.

I've also started to collect a round of stuff for donations to Goodwill, and also have listed my biggest unused appliance on Craigslist. No interest yet, but I can just keep dropping the price now that I have the photos and it's written up.

I've been using Vanguard's SpecID to sell the few stocks where I've taken losses. It's very difficult for me to find any down stocks for tax-loss harvesting, given the market situation. I guess I shouldn't be complaining! The good news is that the most appreciated stocks will be going into a Vanguard Charitable Trust. I've done some research and this seems like the best solution for the near-retiree looking to make substantial donations in a tax-efficient way. Hoping to do all the research and stock selection this weekend and then set it up early next week.

Beyond those specific items, I've started using a tracking to-do list. I've tried a few that immediately sputtered out (Google Keep, notepad, Gmail tracking). Now I'm using Todoist. It's pretty slick, particularly the Android app and widget. So far (about a week in), I'm pretty engaged. If I continue to use it for a month I'll get the subscription.

Mindset

Work has been very stressful. I do feel like I'm making some difference overall, which is better than before, when I felt like I was just punching the clock. I'm still looking forward to quitting, but I'm in this weird trough. The nine months I have left, roughly, is very little time in the big scheme of things. On the other hand, it's not like I'm leaving tomorrow. Looking ahead, I expect to enter a different phase when I have 3 months remaining: in January. Maybe then I'll have more urgent plans and it'll feel real. Currently, I feel like a cat lining up to pounce. Settling in for a big jump, making sure everything is lined up right, but not yet ready to strike.

In the next two weeks

* Set up Vanguard Charitable Trust
* Close old credit card before fee time, and hit spending target on one new card
* Set up one appointment with an optometrist to discuss LASIK
* Bring donations to Goodwill
* Continue tracking expenses
* Continue developing Todoist tracking habit

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Re: m741's ERE Journal

Post by Frugalchicos » Thu Jun 15, 2017 8:37 am

m741 wrote:
Tue May 30, 2017 6:26 pm
10 Months Out



@frugalchicos - I had a great time in Barcelona, Borne and Gracia were my favorite neighborhoods. However, Tarragona was slightly more my speed. I find I like smaller cities more than larger ones, at least in Europe (since pretty much all cities are walkable or have decent public transit).
I am glad you like it! I bet you had pretty amazing food too. I agree with smaller cities, that's what I am thinking in doing whe I move there. They have all you need and everything is walking distance. Besides, they are usually cheaper!!

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Re: m741's ERE Journal

Post by DutchGirl » Sun Jun 18, 2017 3:11 am

Nice to keep reading your unfolding story, m741. Hmm, todoist, maybe something for me, too. I'll look into that.

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Re: m741's ERE Journal

Post by herp » Fri Jun 23, 2017 4:25 pm

+1 for Todoist. I've been using it for years and like how simple it is for recurring tasks.

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Re: m741's ERE Journal

Post by m741 » Wed Jul 05, 2017 7:22 pm

9 months out
A little late due to the 4th of July holidays, but here's what I was up to.
Retirement prep
First things first, I set up a Vanguard Charitable Trust. This was pretty straightforward. It makes sense tax-wise to frontload my donations, which is one thing the trust facilitates. The other awesome benefit is that you can fund it via stock transfers, meaning no capital gains. I had a formerly modest position in NVDA that grew by 1000%, much of which I transfered over.

Speaking of which, I reduced my stock and lending club positions further, and purchased a bit more gold. Again, I'm aiming for a stock-heavy permanent portfolio-type position.

I'm also taking a long-overdue look at monthly finances. Truth be told, this was a very good month income-wise. My flight to Spain was on British Airways, and thanks to consumer-friendly EU regulations, due to an extensive delay it ended up being free. That settled, so basically I was paid $150 to fly to Spain for a week. Not bad! Also a freelancing gig with a childhood friend paid off ($870, well under market rate but I didn't mind). I also tracked expenses. For the past 2 years I'd been using $2293 as my monthly expense, without recalculating. This month I recalculated at $2142. The reduction is mostly due to 1/4 of rent being paid by the girlfriend. Add back in two large entertainment expenses (plants and equipment for a terrarium, and a bunch of heavily discounted computer games from the Steam summer sale). It also included a trip to Vermont (including bus tickets). Still, $150 cheaper ain't bad.

I plan to track expenses again in August, and will take that month and the following few months as an opportunity to realistically predict expenses in retirement.

I've also hit my spending goals on the two new credit cards. Truth be told, I wasn't a huge fan of doing this, my target was $4k in non-rent spending over 3 months, and even paying for joint purchases with the gf and letting her transfer me money (she doesn't have a rewards card), it was tough to hit the goals. I went over the line with a business trip, but in the future I think $3k spend on one card is the most I can manage, unless I can pay rent with the card or something. Furthermore, I observed some nonsensical psychological changes around spending with these card incentives that I dislike. So, I will likely scale back a bit.

I've brought a round of donations to Goodwill, and I've also scheduled two LASIK intro appointments (free). I wanted to do two because otherwise I would just go with the first doctor I visited. Now I know I will have to turn someone down. But, I'm 90% sure I want to do LASIK as a birthday gift to myself for my 30th birthday. It's also a bit of an 'investment' not having to go to an optometrist. But... that will take a while to pay off :).

Mindset
Work has been hit or miss. I just have so much malaise. I tend to wait too long to make lifestyle changes, and here I'm cognizant of the fact but I'm kinda locked in. In college, I remained on the crew team too long after all my friends left; I also stayed at my last job for about a year too long. And here I can feel it, I should have left in the past 2-3 months, either changing teams or companies. But because of the travel timeline I feel locked in.

I understand of course that I could quit early. But I'm making so much money so ridiculously easily, it seems silly to do that when I have a timeline already agreed-upon with the gf. And I could conceivably change teams, but I'd just feel like an asshole knowing I'm quitting in 9 months.

As it is, I'm on a team where I don't really see a reasonable way to achieve our goals, and I'm not inspired by our projects. I've got a lot of thoughts about all this and rest assured I will be less vague once I leave the company, because I think there's a lot of relevance for people in the FI/ER communities.

I don't mean to paint a gloomy picture, it's not all that bad. I'm just not happy and in a (self-imposed) weird position.

In the next two weeks
* Donate another bag of stuff to Goodwill
* Attend LASIK meetings and determine plans for surgery
* Pick a long-term travel backpack to purchase, buy it, and use for business trip. Use trip as chance to re-evaluate long-term travel gear and to build out gear list
* Continue developing Todoist tracking habit

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Re: m741's ERE Journal

Post by Chris » Sun Jul 09, 2017 8:35 pm

m741 wrote:
Wed Jul 05, 2017 7:22 pm
I've also hit my spending goals on the two new credit cards. Truth be told, I wasn't a huge fan of doing this, my target was $4k in non-rent spending over 3 months, and even paying for joint purchases with the gf and letting her transfer me money (she doesn't have a rewards card), it was tough to hit the goals. I went over the line with a business trip, but in the future I think $3k spend on one card is the most I can manage, unless I can pay rent with the card or something. Furthermore, I observed some nonsensical psychological changes around spending with these card incentives that I dislike. So, I will likely scale back a bit.
I hear ya. I try to lineup new cards with big spending (airline tickets, business travel, insurance, charitable donations). But even then, I found $4k in 3 months to be a stretch. And yes, the psychological changes are unnerving. I mean, it's at least good that I can recognize consumerist thoughts, but it's somewhat unexpected that the consumerist forces still approach the gates of my fortified frugal fortress.

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Re: m741's ERE Journal

Post by m741 » Mon Jul 17, 2017 9:46 am

8.5 months out
It's hard to believe that I'm less than a human gestation period away from retirement.
Retirement prep
I knocked out all of my previous plans in the past two weeks: donated to Goodwill again, attended LASIK meetings, picked out a backpack, and used Todoist. I also made two grants through the Charitable Trust (my company matches several thousand dollars of charitable donations each year, which I always want to max out). I chose the Himalayan Cataract Project and the Conservation Fund.

I attended two LASIK meetings, just so I wouldn't go with the first doctor I visited by default. One is a doctor who's been doing this for a very long time, lots of colleagues had success, and he was a pioneer in the field. The other is a large company (TLC) with many branches. It's $400 cheaper and they will do long-term corrections, but it's also a bit more of a factory feel. I'm leaning towards the first option.

My dilemma here is that the cost of LASIK (roughly $5k) is pretty high, and it's mostly a cosmetic thing. It doesn't enable too much (like a car would). I mean, I want to travel without contacts or glasses, but wearing them isn't that bad either. I've never spent so much money on something like this before and it makes me uncomfortable: that same $5k could theoretically save two lives (with malaria nets) or cure 50 people of blindness (cataract surgery). So I'm making a purely discretionary choice here to prioritize waking up with good vision and being able to scuba dive (or whatever) more easily, for the next 15-20 years, over either of those things.

On a lighter note, I picked up what I hope will be my round-the-world backpack, a Tortuga Outbreaker. It was between this and a Minaal. It's a bigger bag than I had before (28L vs 35L), so I'm adjusting to that. It has the modern clamshell design and is well-built, but feels bulky. Overall I like it and think this is just an adjustment period. I'm currently on a weeklong business trip with this bag. In a month or two I'm hoping to start a 'live out of a bag' experiment for a month to get a feel for gear at a time when it's easy to order new stuff or add/replace things.

Mindset
I don't think much has changed here. I'm getting more excited and more anxious to get started with travel, but it still feels like there's an awful lot to do. Work is tolerable and over the past year or so I seem to have found some way to just zoom through a workweek and hit the weekend. Maybe it's tied to counting down the days to guitting time. I don't think it's a healthy way to live long-term, because the calendar feels like it's just disappearing... but maybe it's keeping me sane right now.

In the next two weeks
* List/sell/donate another 100 items in my apartment
* Close a credit card that's almost hit another annual fee. Find a new credit card for spending bonuses.
* Identify an ideal bank to open a business account with for eventual freelancing gigs. Preferably one that gives me more optionality combined with my current Chase & Schwab accounts
* Continue with Todoist

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