I cleared it through my landlord and decided to get a room divider to either:
1. Rent out half of my room ($275/mo), or
2. Air BnB half of the room (How much do you think I could earn via AirBnb?)
Doing this with the right people means more community in an otherwise lonely apartment and an additional income of 3-4K/yr. I have no idea why I haven't done this all along throughout the past few years. With the right person (and that is the key), it's a clear win-win. Some strategies to make it work even better is finding an INFP or INFJ to room with, creating a brief weekly schedule of when we'll be in the room, discussing guests ahead of time using that schedule, and minimalism.
From now on, I will be deleting any comments that are negative without any constructive ideas following them. As MMM would say, this thread is my house and no one is allowed to shit on it.
I finally got them on this past Monday. I paid the amount in a lump sum, so that's $5.4K out the window. I've already noticed my teeth moving. Hopefully I'll be ready to get the surgery in just 6 months and then switch the hell out of COBRA.
I completely lashed out at the parents before yesterday for being horrible money managers for the past 2 decades. How their mortgage has been underwater, how they don't track expenses or revenue for their side business, how they lease their cars, how the house is way too big for their needs, how they can easily just bus commute to their jobs, etc. Most of it came from the fact, that if they were better money managers, I wouldn't be having the problem of braces now. In fact, braces when I was a kid would've been only 3K, with no surgery required. I convinced them to rent TWO rooms hat have otherwise been sitting empty since my brother and I left. That could mean an additional 12K/yr of income where they otherwise earn around 40K together. My part would be finding the people and making sure it goes smoothly. I don't care if they give me a share of the money or not, because either way it helps me in them paying down equity in the mortgage. Or maybe they'll feel bad and give me some to help pay down braces, or help my brother pay down student debt.
I feel like I'm the only one in my family that is succeeding in terms of net worth/money management. The only thing that's different between me and my brother is that I'm willing to ride my bike and take the bus to work. Or live in a small room. Same thing with my parents. If anything being scrappy and strategic is one of my biggest assets. I just wish my parents wouldn't have to die in their 70's with government assets and a life in America spent working shitty jobs day after day. Normally I try my best not to think about this shit storm, but when I could use some help it's hard not to.
New Love Interest
Met someone on OKc yesterday, E, that seems really rad. ENFP working at an outdoor education camp, history of activism, enjoyment of nature. We'll be going on a hike tomorrow : )
Things are still going really well with C, too. It's been nice to support one another over the past 6 months!
I'm pretty unlikely to stay at the recruiting job. It is way better than the asset management job. MInimal spreadsheets, number crunching, and stress out co-workers. Still, the hours are 10 hours a day for 50 hours per week, and I'm not meaningfully interacting with people throughout the day. E mentioned that her camp is hiring in the wilderness north of NY, and I may inquire more.
I ran some numbers on this compound interest calculator: http://www.moneychimp.com/calculator/co ... ulator.htm
Starting out with 65K
and saving 27K/yr at 6% for 10 years, I'd be at around 500K by my 33rd birthday. I think I can do better than that. If I save 35K/yr at 6% for 10 years, I'd have 600K by my 33rd birthday. With 35K/yr at 6% for 5 years, I'd still be at around 300K by my 28th birthday. Even at 25K/yr at 6% for 5 years, I'd be at 236K on my 28th birthday.
All of that is to say that I can sitll take a 35-45K social worker, counselor, healthcare practioner job, live on 5-10K, and get to my financial goals. Bonus points if I find a non-profit that would pay for a Masters via Magic^tm.
Look a distraction