Sunday, December 15, 2019

Weekly Retrospective ....

What I’m Reading: Strangers to Ourselves by Timothy D. Wilson …

What I’m Listening To/WatchingWes Moss podcasts….

What I’m Working On: Terry College of Business CFP Program ….

Where I’m Succeeding: Planning ….

Where I’m Struggling: Leading …

What I’m Grateful For:  Every Day ….

Quote That Has Me Thinking: “Habits are the compound interest of self-improvement.”— James Clear

What I’m Excited About: The Future .….

What I’ve Been Pondering: The next 2.05 ….

Thursday, December 5, 2019

Kadar Quote....

A shark in a fish tank will grow 8 inches, but in the ocean it will grow to 8 feet or more. The shark will never outgrow its environment and the same is true about you. Many times we're around small thinking people so we don't grow. Change your environment and watch your growth. - Kadar

Monday, December 2, 2019


I recently posted our expenditures through the first 3 quarters of the year with a promise to update, by category, what those disbursements entailed. Thanks to paying off all of our debts a couple years ago, we are now in a position to enjoy life considerably more than before, when we owed the majority of our incoming cash to liabilities.

Through the end of September, we have spent about 12% of our bring-home pay on lifestyle expenses, broken down as follows:

·       Vacation/Travel: 47% of our lifestyle expenses went to 3 nice trips this summer, including Colorado where my son and I got to hike some nice trails and visit the MMM headquarters with Carl (Mr. 1500). We also traveled to  Boston and North Carolina.
·       Spending Money: 30% went towards expenses such as hanging out with friends, concerts (Aaron Lewis and The Muckers were both AWESOME!) and other excursions that didn’t fit neatly into other categories.
·       Clothing: We spent just shy of 7% of this category on clothing. We’re not fancy dressers so the majority of this went the basics, like underwear, socks, long johns, etc.
·       Self-Care (mainly the wife): This includes nails, hair (haha for those of you who know me), massages, etc. We spent just shy of 10% of our lifestyle expense here.
·       Gym (YMCA): 6% of our lifestyle costs went to our local YMCA, which we, in fairness, did not use as much as we could have/should have.

What is even more awesome is that the vast majority of these expenses were paid for with a 2% cash-back credit card (through Fidelity, which then allows us to invest directly back into our brokerage account), which paid us a few hundred dollars for traveling, hanging out with friends, going to the gym and taking care of ourselves, without us ever paying a dime of interest.

Next up will be insurance and medical expenses…..

Sunday, December 1, 2019

Weekly Retrospective....

What I’m Reading:  EntreLeadership by Dave Ramsey…

What I’m Listening To/WatchingGrantSabatier Financial Freedom podcasts …

What I’m Working On: Creating my 2020 Breakout Year Plan ….

Where I’m Succeeding: Relaxing ….

Where I’m Struggling: Breaking into real estate …

What I’m Grateful For:  An exceptional partner ….

Quote That Has Me Thinking: “Out of suffering have emerged the strongest souls; the most massive characters are seared with scars.”— Kahlil Gibran

What I’m Excited About: The Future .….

What I’ve Been Pondering: The next 2.09 ….