In my Goals for 2021 post I mentioned that I would consider refinancing again if the conditions were right. I looked at this from a lot of different angles, including riding out the mortgage I’d signed in 2019, sending one or more lump sum payments, overpaying the existing mortgage monthly, and refinancing. In the end,… Continue reading “Final” Refi Complete
Tag: retirement
Why I Decided to Refinance Again
As a homeowner, 2020 provided some interesting opportunities. Home prices in the suburbs surrounding major metro areas have gone up considerably, while interest rates have plummeted. This has fueled a wave of refinancing (both for good and bad reasons). At the end of 2019, before anyone even knew what COVID-19 was, I refinanced my mortgage,… Continue reading Why I Decided to Refinance Again
Such is Life
My every day from 5:30 AM until my wife and kids get up at 8 AM: Me from 8:01 AM until I go to bed at 10:30:
My Financial Goals for 2021
On the heels of a surprisingly successful 2020, I find myself firmly in what’s referred to as “the boring middle.” Strange as it sounds to say, I’m running out of things to do! Or at least, I’ve put everything that I can on autopilot, I’ve taken care of all the baby steps and some of… Continue reading My Financial Goals for 2021
2020 Year in Review
Is it over? Can we call 2020 complete now? Every month, right after I get paid on the 15th, I enter all of my account information into my net worth spreadsheet. I’ve been doing this for about a year and a half despite my belief that net worth isn’t a great indicator of financial shape.… Continue reading 2020 Year in Review
I Get Access to a Mega Backdoor Roth
Earlier this year I updated my goals for 2020 and described how I’d investigated the possibility of doing a backdoor Roth to move my IRA into a Roth IRA. In the end, I found that my current tax rate is far too high for this to make sense for me. My current tax bracket is… Continue reading I Get Access to a Mega Backdoor Roth
Demotivated
Maybe it’s just the change from hot sunny days to…hot overcast days (no one told the NY weather that Fall is supposed to be cold), but I’ve been struggling with motivation lately. At the end of each quarter I get a few weeks of excitement. I have multiple RSU vesting dates, and in August I… Continue reading Demotivated
I Finally Paid Off My Truck
In October 2019 the lease ran out on my Hyundai Sonata, a car I’d originally gotten to commute and then to leave sitting in my driveway for 2.5 years after I started working from home. I decided to buy something cheap, old, and practical that I could work on myself if it broke. After a… Continue reading I Finally Paid Off My Truck
My Upcoming Car Problem
I have always loved driving small, fast cars. As long as I was single, I always had cool little six speed cars that were great fun for commuting, horrible in the snow, and completely impractical to get anything done. Soon after getting engaged, I started to think that cars should serve a purpose. My fiance… Continue reading My Upcoming Car Problem
Everything is Broken
If you read this blog (and I know you don’t because right now I still have single digit readers), you’ll know that last summer I was hit with a number of high priced setbacks, including a gaping hole in my pool liner, and refacing my driveway that was growing far too much grass. You’d think… Continue reading Everything is Broken
Freed by 50 