LiquidSapphire's Journal

Where are you and where are you going?
dot_com_vet
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Re: LiquidSapphire's Journal

Post by dot_com_vet » Sun Jun 30, 2013 4:24 pm

There's no shame in an electric bike! Here, it's the only possible way to bike commute without showering at work.

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Sun Aug 25, 2013 5:16 pm

I recently passed my one year anniversary from leaving my job and shortly coming up on 6 months after my lawsuit settled.

Life's good. I think I have a 0% WR or still possibly some kind of savings rate because I easily earn 2-3K/month. It helps me mentally tremendously because I'm still following the Permanent Portfolio and the 7% drawdowns would have had me pretty freaked otherwise. But I've been busy building my business instead of crying over spilled gold coins so... overall I'm OK. I am cautiously optimistic that the PP is still a good strategy. I still believe in it. So I stay in it.

I think I have inflated my lifestyle maybe a little bit. I think instead of spending $1100 ish it might be $1200 or $1300 or something. I tend to go out to "trivia nights" at a local bar and spend about $15 there some weeks. Sometimes if I'm doing a business lunch I go out instead of brown bag it. My grocery bill has gone back down due to not eating much meat lately. I'm doing things like seeing an acupuncturist for $100/pop. Whatever. I make 2-3K a month and my NW is still over $300,000.

On Friday Boyfriend and I went down to Denver and did an $80 Mystery Shop at Benihana's (free fun dinner + $5 for my time) and then we went to see a free concert (tickets I got from fillaseat.com - which cost me $30 for a full year's membership to get 2 tickets to any show they have, ever, as many times as I want.) A good life does not have to cost a lot.

One of my good friends was down in the dumps and wanted to have a "fun night" and had his 5 kids for the weekend. I recommended that he get popping corn, make it on the stove, and do a popcorn feast of cheese popcorn (use the cheese from mac & cheese boxes), caramel popcorn (Melted caramel chews), kettle corn (sugar/splenda and salt) and obv butter and have family movie night where every time a character said something silly the whole family had to shout out a silly phrase. He's not ERE but he loved that idea and the kids had a blast. This ERE stuff works, ya'll.

I'm finding that I do the business thing not really for the money but more to have something to do. It's a challenge. Can I build it/grow it bigger/better? What business is worth cultivating and what should I cut? What clients are good and what clients suck? and when is it time to take "time off" work? Should I sleep in today? Will it destroy client relationships? I find myself driven to do well in my business and provide a good product - it's an inherent drive. I guess I'm just built that way. I met a new business contact that I am hoping in exchange for a noncompete agreement she will train me to work in her personal assistant/organizing business and eventually subcontract to me. It pays less per hour but I like the idea of multiple skills and having my hand in many pots.

pemulis
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Re: LiquidSapphire's Journal

Post by pemulis » Sun Aug 25, 2013 9:01 pm

@LiquidSapphire

I just finished reading your journal and really enjoyed it. You are a few years older than me so I'm having trouble figuring out if you were really far ahead of "normal" people starting or if that is typical to be +100k in assets with purposely trying. Anyway I think you had a really good start compared to most people.

I was extremely impressed how you immediately altered your lifestyle to start meeting your goals. I mean holy crap you lost the car fast! And all of a sudden you were contemplating a moped. Dedication!

It seemed like as you got closer to your goal you really started to hate work. I dunno, you never mentioned how you felt about work initially. I'm a little worried, I actually like my job a fair amount and would miss it. I like the work and my co-workers, I have learned a lot. I wonder if I start meeting my goals, will I start to hate work? Its strange to think about.

Sorry, didn't mean to psychoanalyze there, it just was something that stood out sitting down and reading it all at once. I also read m741's journal so I just really wanted to study you guys that have succeeded with ERE. Congratulations also!

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Mon Aug 26, 2013 12:15 pm

Thanks for reading :)

I was always somewhat put out by my job but toward the end really hated it due to the politicking involved, more than anything. If you start meeting your goals, you won't start to hate work unless you already sort of hated it to begin with. Once doing something you hate starts to appear optional I think you hate it more. If you like it, then maybe you might like it more and continue on, even though the money isn't why you do it anymore. You'll be all right ;)

I don't know, I started my career at age 22 and $27K of student loans so it's not like I inherited money or anything like that. I started putting in about 15-20% of my income into my 401K as soon as I was eligible for the match which was 6 months into my job. I started with an income of $32K or so. I got regular raises... I think I went to $37K, then $42K, I remember the first time I broke the $50K mark was around in 2008.

I got lucky with having free housing for 2 years overseas and I also got lucky because then I got two gigantic raises, one to $71K and another to $91K. It was very much luck meets opportunity because I moved to take advantage of the luck that fell into my lap. Don't be afraid to take big risks. I also made certain moves *because* of money - that $91K job was not a fun one. But I took it because, well, it was $91K and for other personal reasons.

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Wed Sep 18, 2013 11:52 am

We had bad flooding here. We had to evacuate. Thankfully our house is fine, but many others are not so lucky.

So some lessons learned....
1) I had no power so I had to get a call from my dad telling me the local news was evacuating my neighborhood. You'd think they'd be going door to door? but we were right on the edge of the evacuation zone so perhaps they were hitting higher priority homes (closer to the flooding) first. So I guess in situations like that, one really needs to keep a hand crank radio.

2) You didn't have to have a car to evacuate, but OMG life would have been MUCH harder without one. Residents without cars were told to make their way to a local bus stop (for me about a half mile walk) where the bus would take them to the evacuation center. I would have had to walk 2 dogs, and carry a cat, and whatever I could fit into a backpack, which, after dog and cat food and emergency food, change of clothes... not much else would have fit. Not having a car limits your options severely. I also would have been stuck at the evacuation center for 48 hours... without a car. Which would also have totally sucked. Social capital could have overcome this, if you could find a neighbor at home, with a vehicle. Lots of people left pets behind. I can't even imagine the stress it would have caused me to do that.

3) I was lucky in that I called the call center # to get information and they told me various roads around me had already closed. It saved me a lot of time, aggravation, and gas to know what escape routes were still possible. I probably would have run out of gas trying all kinds of different routes trying to get out of here. A couple hours later, more roads closed and getting out was no longer possible for about 24 hours.

4) If you see national guard trucks speeding down your road, that means that things are not going well, at all. That was when I decided that I'd heed the evacuation order.

5) Potable water was an issue, several regions were under boil orders for quite some time - grocery stores sold out of bottled water quickly, if you could get to them with all the road closures. Not a bad idea to have a few gallons on hand at all times.

6) Thinking about creating one of those "evacuation" bags with change of clothes, food stuffs, and storing it with the valuables (cash stash, etc). because if you're evacuating, you're going to want to take your valuables too.

7) Store sentimental/valuable stuff up high off the ground so you don't waste time moving things around to prevent water damage - you can just leave.

But we're fine :)

George the original one
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Re: LiquidSapphire's Journal

Post by George the original one » Wed Sep 18, 2013 12:28 pm

How many days were you out of the home? Did the cellular phone network stay up?

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Wed Sep 18, 2013 12:36 pm

2 days out of home - we were lucky. Some people are still out. Some homes destroyed. Cell network was spotty, but I was lucky that here it stayed up. I don't think it was up North of here. Land lines went out in places also. Some towns were completely out of communication with the outside world, either entirely or only had radio via emergency personnel.

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Fri Dec 06, 2013 7:51 pm

I have discovered that the Individual 401(k) is a strong option for me. You can input the first $17500 you earn every year as an "employee" even if you only earned $17500 that year. I am around that figure give or take some and so that was very attractive to me because my tax burden this year is going to be higher than it will be for the foreseeable future.

I opened one thru Vanguard which was more of a pain in the ass than expected but their phone support was actually very knowledgeable in answering these crazy questions on this 40 page application. Since I am a Voyager client, it is fee-free. I read good things about Fidelity also but I have almost all of my money with Vanguard so I just went with them.

I signed up for Obamacare and I'm paying the full premium - $160 ish/month starting in January. I may reapply for Medicaid, I haven't decided yet. The reason is that if I can continually defer all of my income, after the 0% bracket is exhausted, I should be able to stay on Medicaid and below the poverty line by their standards. If you're too poor for subsidies, you get no subsidies. Kinda bizarre to have such a huge hole but hey.

Not much new going on in my life other than just plodding along. My net worth for the year is down something like $5K which I consider pretty good considering the PP is down about 3% last time I checked, which means I basically have a WR of zero and I'm actually adding a little bit to savings which is nice to see.

I'm about to be more cash poor than I like due to my 401K election which is going to taken an awful lot of money out of my checking accounts but I guess that beats writing a check for 25% of everything I earned to Uncle Sam. I'll earn it back or cash out some Roth $ or something if absolutely necessary.

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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Mon Mar 03, 2014 2:17 pm

Apparently I am only inspired to write in this quarterly. :)

I'm getting bored with my business. I mainly started it as a stop gap to have some income coming in but it's not work I'm very passionate about. It has its pluses. I'm my own boss, largely location independent, I mostly work when I want. But I still find myself driven to work even when I don't really feel like it because, clients, and because, relationships, and because, it hurts the business when you're not consistent. And it's burning me out. but I find myself working less and less the last few weeks. And it shows. I made the lowest # last month than I have in a year, about $1000. The weird thing is... I don't care (as much). I am a little scared that I don't care, but at the same time, of course I don't care, I'm ERE or Semi-ERE or something? I am still settling into this whole thing, 18 months later. I am still not feeling very much comfort from all the SWR math I did. A substantial portion of my portfolio is in tax advantaged vehicles and while I do have some things in taxable accounts, it would feel scary! to dive in to those funds unless the total balance of my accounts was increasing which, until recently, that was not happening since I was in PP. Maybe if I see PP doing better finally I will feel better about not working and hustling for that extra $$.

My NW is recovered to where it was a year ago before stocks took off and gold/bonds took their dive. It's reassuring to see. I haven't done all of the numbers but I am probably hovering around $350K or within 1% of it. So I think my WR is still around 0%. Good stuff. I should probably see if re-balancing is something I should be doing.

I don't track anything financial anymore, really, other than what Mint tells me. Mint says I spent an average of $1361 over the past two months. My Obamacare subsidy is about to kick in (I have been fronting the entire premium so far because, inept bureaucracy, it will hopefully go away permanently next month) though so that would drop it to the <$1200/mo I have been tracking all along. I am at $4800 for the year though in income so I'm cool with it. On the plus side if I have three shitty ass months in a row, I can apply for a free phone finally from Assurance Wireless. That'll save me like $100/yr. I take this to mean old habits die hard. I don't really see my lifestyle inflating very much at all unless I join an expensive gym (unlikely, have plenty of stuff here) or buy a car. If I move or otherwise change my housing situation that will likely just decrease my expenses as I don't see myself getting into a situation that would cost me more than I'm shelling out now.

I am considering getting a shit social job like waitress or something just to get out of the house one day per week and meet more people. But I can't get excited about it.

OMG if this entry does not scream ISTJ I do not know what does.

I have some Bucket List items; I suppose I'll put them down here.

1) If I am ever single again, I am so buying a Tiny House, with a car that can pull it around on a trailer, and I am going to live in it forever and ever.
2) I have a travel bucket list - I should go to at least one place every year. I should play FF miles/Credit Card games and go for cheap/free. I have about 25 places listed. I have always wanted to drive the full length of the Oregon Coast - I might do that this summer.
3) Lose 20 lbs
4) I need to meet more like-minded people, hopefully with the weather warming up and the days getting longer I will be able to bike to some meetups where I wasn't really willing to bike there before.
5) I watched this Ted Talk recently: (http://www.youtube.com/watch?v=9FBxfd7D ... 4&index=12) and it made me realize that of the 3 types of happiness I am rolling in the "pleasure" one and severely lacking in "flow" and in "meaning". I'd like to find more flow and meaning.

chenda
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Re: LiquidSapphire's Journal

Post by chenda » Mon Mar 03, 2014 2:41 pm

Good to hear from you Liquid, I miss your updates :)

Ricky
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Re: LiquidSapphire's Journal

Post by Ricky » Tue Mar 04, 2014 1:24 am

Just got through reading the majority. So interesting to see your general job satisfaction decay into a complete hatred and disgust. By that point, I agree, quitting or "engineering your layoff" was the best thing for you to do.

Did you ever mention what your side gig was or did you ever plan on it? I haven't found it.

I'm not sure how many female financial warriors there are like you but I assume very few since I haven't seen or heard from many. That is awesome.

I think your SWR is hindered by the PP. I know gold is apparently a staple of the PP but it's just not a good retirement asset to own. It is slow moving. I've never understood the PP myself because when stocks are up, gold is down and so are bonds, but the opposite happens when stocks are down. I get the hedging against all risk and it makes sense but it just doesn't seem the best for guaranteed income? I'm not sure. I'm still trying to pinpoint my investing style myself.

riparian
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Re: LiquidSapphire's Journal

Post by riparian » Tue Mar 04, 2014 3:08 am

What are you passionate about?

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Tue Mar 04, 2014 9:47 am

@Ricky -
I don't talk about the line of income in public for many different reasons but I do answer PMs so if you want to discuss that offline you're welcome to contact me via PM. I stick with the PP because over the long haul it matches stock-heavy portfolios with much lower chance of losses historically. I've also read the Fourth Turning by Neil Howe which scared the ever living daylights out of me and so I am not as optimistic as Obama wants me to be. I anticipate a major crisis event soon (any time between now and the next 3 years) and usually that sort of thing forces stocks to tumble. I don't want to be stock heavy when that happens because I do not want to relive the hell I just went through to re-earn the money. The PP is for people who do not want to lose money over the long haul. And if the crisis event never happens, well, the PP does well over the long haul anyway. I'm very happy with 4% gains over inflation, that is plenty for me.

@Riparian -
Hahahahaha... If I knew the answer to that question I would not be sitting here for the 3rd year wondering what the hell to do with myself :D I think what I may do is just write 30 "blog articles" under the guise that I might start a blog and see what the underlying theme is. If after 30 of them I still have ideas then that's an avenue I might pursue.

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Mon Dec 15, 2014 5:45 pm

Hello!

I was thinking to myself how I needed to figure out what type of hardcore BIFL rain jackets I should be looking at and so of course this is the first place I visit. and then I started poking around. and then I figured I should update.

Not too much new in my world. My kitty cat had cancer and I had to put her down much, much earlier than I ever expected (sad face x 100000) but I managed to convince BF to adopt a NEW KITTY :) She is four so I hope to have her for a while. I still have a little friend :) and she is so worth it to me. BF's ex wife decided she wanted the dogs so, assuming she is not as flaky as normal, they are gone. We miss them but are free of their burden.

I am mainly focusing on fitness and health the last 6 mo or so. Mostly vegan nowadays and lifting weights and running, sucked it up and hired a personal trainer ($25/session, how can I lose?! heh) I haven't been working as much lately so my income is down. Somehow I don't care too much. It's finally getting into my head how I have an 18-30 year emergency fund. Nothing about my situation is urgent. If I need money I'll get it. I don't need money right now, so I don't care.

I've learned I can only focus on one major pursuit at a time. Before it was ERE, then my business, now getting into a good health groove.

I've earned 230,000 united frequent flyer miles through credit card sign ups and buying things on those CCs and reselling merchandise at a profit on Amazon.com so I will probably go to Europe this summer first class :) Gonna hit hotel points next maybe, or just do hostels, couch surfing, idk, we'll see.

Hey I actually made some bucket list progress! I forgot I even wrote one down a few entries ago. I've met some like minded people and have board game meetups every now and then :) And I'm going to Florida next mo to meet some friends/business network associates and so that may inspire me to rebrand my business and make a few bux. or do something else, or expand reselling to be more profit driven rather than miles driven. The tiny house thing is still on my mind from time to time but not toooo much anymore. I think what I would do is buy a normal rental house on large lot, and then build an "accessory dwelling unit" on that lot - aka tiny house but maybe not by tiny house standards, it would have a foundation probably, maybe make it a little bigger, city water, etc and live there and rent out the actual house. Turns out I really like the idea of flush toilets. :) And the other options just pale in comparison. But I'm not taking any action to make this reality right now. Have some fitness related goals I'm trying to hit first.

I am probably going to legally qualify for medicaid next year so we'll see how that goes. I have NOT enjoyed the administrative burden of Obamacare AT ALL - in the end they said that I had to expose my entire business ledger to them for them to continue providing me with a subsidy. I blew them off and now I get these bills from my health co saying I owe them like $1600 (presumably the state took the money back) but then when I call them, they say I owe them $7. I have spent, no joke, 120 hours on the phone since last October trying to sort this shit out. Nope. Nope. Nope. I am going to do my tax return, get that insurance mess sorted out, get the medicaid I can now legally get, and fuck them all. And now with my piss poor tax return, I am going to finally qualify for my damn Obama free phone. yay. that the nsa can promptly spy on me, but whatever, they spy on us all, so not like it makes a difference.

My new hobby: Fantasy Football. It turns out I am either super lucky, good at this, or not facing stiff enough competition, or a combination, because in both of my leagues I am in the championship. It's a nice free hobby, perhaps even mildly a money maker, right now I stand to win $168 if I win the league that had a buy-in. And even if it didn't end that way - the $20 buy in sure provided a lot of entertainment. I'll play again next year. If I get sucked in as much or more, idk maybe try to get hired on as an ad hoc analyst or freelance at one of these fake football sites or create a niche site.

So - NEW bucket list (for me to rediscover in the future sometime)

1) Meet some more health goals: do an unassisted pullup, 5k in under 30 min, get my body fat even lower - maybe verify visually that I do have an ab or two :)
2) Make it to Europe: See Norway, probably parts of Switzerland, Italy, Austria, possibly British Isles or at least part of them, making the most of trains, stopovers, and open jaws on these 230k united miles
3) I want my faction to own my neighborhood in Ingress, even if it's only for an hour. It's basically a 5 mile circuit. It will be mine. Oh yes. It will be mine.
4) Do all kinds of DIY work around here: Repair a kitchen chair, add trim to the kitchen ceilings and floors, tile the kitchen floor, replace some kitchen storage with a more functional piece of furniture, maybe plant a few plants in the front yard and clean up the backyard to make it a cool place to hang out now that I don't have to worry about the dogs tearing it all up.
5) Maybe troll CL for some free furniture that might be an upgrade to what we have. Thinking a leather couch would be good, a night stand, maybe some wall decor.
6) Play fantasy football again next year - maybe commish a league. If I can get 9 other EREers in we could do an 10 or 12 team ERE league :) I would be fair, promise. Yay free hobbies!
7) Find more people that like board games and maybe find some more girlfriends who like to dance. I miss dancing.
8) Maybe this year - while I'm in FL, I revamp and rebrand my business, let it just kind of tread water for a while, and spend the rest of my time just doing what I feel like not worrying about money - just try to find flow and passion, and see how that looks at the end of next year. I think about getting a job from time to time, even applied for some, but honestly, I like not having a job right now, and I don't need one, I am doing okay money wise, so... I'm thinking... I might be a hobo again for a while.
9) I should try to read a book per month, and alternate between personal improvement and for-fun fiction. I used to read CONSTANTLY and now I never read - too busy working or just spending time with my boyfriend. I should make room in my life for more reading.

That's all I can think of :)

bigato
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Re: LiquidSapphire's Journal

Post by bigato » Mon Dec 15, 2014 6:16 pm

After those traumatic times before quitting the job, it sounds like you are starting to really enjoy life! Some years ago, like 2008 or so, it was a really bad time in my life specially because of how things were in my job. I moved out from there, and it took me at least a couple of years to start to really recover, and only then I was able to see how depressed I was before. Maybe something similar is happening on your life. Congrats!

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Tue Feb 24, 2015 11:31 am

Oh definitely I was in a not great place in any way shape or form bigato. The things I'm able to do and make happen now are so much easier. I basically workout an hour per day now; that is something that would have been completely unthinkable back then because I had so little free time and also so little energy after forcing myself to do things I hated for 9 hours per day. I think only now I realize just how much chronic stress I was under. I don't think I will ever go back to that type of work ever again. It's just not worth it.

Kinda funny - the other day I thought to myself if I had $1,000,000 would I do anything differently and the list is pretty short. I'd probably go buy a house nearby with a large lot and build the accessory dwelling unit on the lot (say, reminiscent of a tiny house but maybe 300 sq ft, and a foundation, with full utility hookups) and live in it while I rented out the house to make housing free or close to it. Not that it costs me a lot of money now but if I see ways to cut my bills I still do it. and it would raise the property value some too, having a mother in law unit I think - since a bunch of boomers are broke and will have to move in with their kids. Maybe if interest rates ever go sky high I'll give it a go - buy a place for cash.

I'd also probably buy a car because maybe one time per month it really is inconvenient not having one and I have to borrow my boyfriend's. Which he never says anything about it and it's fine but I don't like being dependent on that. But at the same time I can't financially justify a car I literally need once per month, and really "need" is more of a "want". Like if I have a bunch of packages at the post office, I could totally do multiple trips on a bike. Or get a bike trailer. I just don't want to. Seriously - uber would be cheaper than a car. But I still miss it now and then.

Probably outsource more things like a biweekly housecleaning, and get a lawn service :)

Get a weekly professional massage? Get regular botox in between my eyebrows? Other similar superfluous things.

I guess I'd quit work but I like having something to do other than workout and surf the net during the day, and I still do plenty of both. Maybe I'd just work less.

So really I have 95% of my ideal quality of life and I've definitely reached diminishing returns. And that is pretty cool. :)

riparian
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Re: LiquidSapphire's Journal

Post by riparian » Tue Feb 24, 2015 6:11 pm

I just realized I've "known" you (not that I really know anything about you) for years now! Congrats on your awesomeness and happiness. :)

LiberateMind
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Re: LiquidSapphire's Journal

Post by LiberateMind » Tue Feb 24, 2015 9:50 pm

So really I have 95% of my ideal quality of life and I've definitely reached diminishing returns. And that is pretty cool. :)
Wow.. Thats really a transition ..

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Mon Jun 01, 2015 4:37 pm

thanks Riparian :D it has been years huh that's crazy :)

Not much new with me - a lot of the same o same o. I'm down from quarterly updates to twice a year. Oh well :)

I'm on medicaid legally. This shit is so amazing. You cannot buy insurance this good; you literally cannot. I went to the doctor because I have had some nagging non-serious problems for years and because my copay was all of... $2.00. TWO FUCKING DOLLARS. So I saw this doctor and got a prescription (Flonase) and it cost me... $1.00. ONE FUCKING DOLLAR copay for a prescription. This is unreal. And I apparently qualify for $1000 of free dental or something like that. Just cleanings and cavities, nothing serious. I don't have any chronic or ongoing medical problems so I mainly "carry" Medicaid as catastrophic insurance but. This just blows my fucking mind. Meanwhile ACA last year - I was poor enough on paper that basically my premiums ended up being free after the subsidy but even with that shit - I would have had a $30 copay after my "free" physical. I can now see a doctor FIFTEEN TIMES for the same price. Something is wrong with this picture but I'm enjoying it for now.

I made some really awesome health gains actually, I took up running, just completed a 10K faster than ever before, and I'll likely run another this weekend to try to do better. I was deep into the flu with a fever for the first one so I feel like I left some performance on the table. I have some vanity lbs to lose - 10ish, but by all measures my health is top notch. My blood pressure was like 95/65 or something wacko at the doctor's. It hasn't ever been that low before. So that's pretty cool. I'm still seeing my personal trainer one time per week for $30/session. It's completely an unnecessary expense but whatever. Don't care. I can always cut it later if I have to but for now I like her enough and I've done so well working with her the past year that I would hate to cut her at this point.

I FINALLY got my free Obama phone and of course now I never use it haha :) oh well it's a nice security blanket. I never made it to Europe because my boyfriend can't afford to take the vacation time to go. So I'm putting together a different bucket list trip on the West coast in a couple months. Gonna hit CA, OR, WA, and AK all in the span of 3-4 weeks. Probably gonna end up being half cash and half miles/points but that's fine. The points have some value and so if I find a screaming deal I'd rather just pay out of pocket and save the points for a time when it makes sense. Like I'm flying from Anchorage to San Francisco for 17500 United points nonstop. That's pretty amazeballs since the points were practically free other than my time spent getting them. In the meantime I am paying $730 for a 1 week Alaska Cruise including all fees and taxes and whatnot. The points didn't make sense there. I might do Europe next year maybe.

I guess ERE-wise there's not much to say honestly :) I still have my business. It's going fine. I'm somewhat happy with the income level, it's better now than it has been in the past. I have been keeping a running list of things I want to buy and it's rapidly dwindling, which is really weird and cool to watch happen.

OH. I guess this is ERE related. I have this plan. I don't know if I will actually do it or if it will work but this is my plan. I have no car, right? So there's this thing called Relay Rides where you basically rent your car out to other people for a fee that you set. And SO I have this plan that I am going to buy a 2005-2008 Pontiac Vibe with low-ish miles (less than 100k) and I am going to rent it full time on this Relay Rides deal. And so THEY will pay for this car, and I will have a "free" car (well at least the carrying costs will be free, like ideally I'd make $1000/yr on this at least to cover tax/insurance/registration/depreciation/wear and tear). And then any time I need or want to use a car for something, well I just need to plan it around the rental periods, which, given my current lifestyle of needing one nearly never, well, that should be quite easy to do. Sounds good right? :) I have a CL RSS feed set up with my criteria for this car, now I'm just waiting for the right deal to come along...

LiquidSapphire
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Re: LiquidSapphire's Journal

Post by LiquidSapphire » Thu Jul 14, 2016 4:35 pm

Long time no write. :)

Long story short. My boyfriend got a job in the bay area and decided to take it in order to pursue early retirement a few months back. I decided to follow him. Well, that was an interesting experience but in the end I've decided that this isn't a direction I want to go. So I will be slumming it with my dad and the cat for a while while I figure out what to do with life.

I'm sad about it but a bit excited too. He has been a factor for me in this entire ERE journey - from the very beginning. But now I get to think about how I want to live this life without taking his needs and wants into account. And he had many needs that were really limiting. And now I'm virtually unlimited so that's kind of mindblowing. Hardly anyone starts with a blank slate.

I have enough that if I'm very careful designing this life I shouldn't have to worry much about money or work again. My net worth has gone up quite a lot since I last wrote. I think I'm hovering around $450K and my student loans at $15000 are putting along at 2.5% so no rush on those. At 3% WR that gives me $1125/mo which is a figure I was able to make work previously. I'm also not withdrawing funds right now as my income is in a good place, so that will give me some cushion while I dial it in and nail this down.

I'd like to settle near my family in Denver if I can but I don't know if I can make this budget work there. Their housing market is incredible. I suppose I will find out. I know housing is the big key to solving this puzzle. If I can get a cheap place close to all the places I like to go to the point where I do not need a car, I know the rest will shake out budget-wise. So I will poke around Denver a while and see what there is to see.

I'll definitely be pouring over the ERE city resources and GandK's resources over the next few weeks though...and then I get to finally join in all the single people threads bitching about finding like minded partners... hah :)

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