We finally got the AC repaired and it did cost us a little extra. We were fine with that but also we've been spending time in another state with my elderly mom. She's been having health issues that might impact her ability to live independently. I have a sibling there who works full time and is also working on a doctorate degree. 

We did buy our van, set it up and took a brief trip but otherwise we've used it while we've been out of state with my mom. We thought we might keep track of the days we've used it instead of a hotel room. So far 13 days and that's a good savings. 

I'm back to work next week and so I'm pushing my way through preparing. This included taking a big bin of paper to be shred to the credit union. I'm grateful for the complimentary service. 

So I didn't get the position I interviewed for but at least I went through the process. A little disappointing but at least it went quick. Old house is on the market and we're starting to settle into the new place. We've got two weddings to go to within two weeks and then we can really start our summer. I hope our hold place sells quickly but it's almost been a week and only two showings. We might have priced it a little too high. I've got classes this summer in preparation for fall. We'll see how this goes, it might push me into part time work sooner than later. 

Who doesn't love the market right now?

2 more days on my current contract, by the end of the week we should have the old place emptied and ready for pictures and put on the market within that week. There are very few options at this price point so I expect it will go fast maybe multiple offers. Two weeks ago, an amazing opportunity opened up so I threw my hat in the ring. I interview next week and I'm crossing my fingers. 

I prefer using a tax preparer because I don't want to deal with the stress. A couple of years ago our preparer died just before tax season, it was weird another reminder of my own aging. I had used him for probably at least 20 years. Through some networking we found another one who has been wonderful and even costs less, they are an attorney as well. She is younger so I hope we can use her through the rest of our days. 

So we have a big refund due the liquidating of my sick time to cash with my layoff, they did take a lump sum of taxes out but it's a nice refund. Which is great because we'll use it for the double property taxes, HELOC interest and moving expenses. We plan to be moving the big stuff a little more than a week from today so this week will be more packing and loads up to the new house. It still feels a bit surreal. 

Hopefully, we can get the old place ready to put on the market and maybe sold in the next couple of months. 

I found this really interesting interactive article in the Washington Post - Are you Rich?    I hope this link worked.  If not, here's the link to copy and paste. https://www.washingtonpost.com/business/interactive/2024/are-you-rich-american-wealth-net-worth/?fbclid=IwAR3HXcCb5xnufXwSrBIi5ZqDoxXlk_0AhaDGLB71xS-gaghokhNXeSi_sz8 

My net worth is higher than 86 percent of American households, more than four times that of the typical American household.

My household’s net worth is close to the middle for households like yours. 

Compared to households like yours, you have a very low income and a net worth near the middle.

You hold a greater portion of your assets in retirement savings and a smaller portion in cash, your home and investments than the average household with similar levels of wealth.

I feel pretty proud of that. 

We put an offer on a property, it's about an hour away and not where we expected to think about living but the cost of housing there is so much lower. Like $80k less than something here, after closing and moving expenses maybe we will have somewhere between $40-50 leftover which we can consider for a campervan.  My adult child lives there with their spouse and it is a larger town (we need diversity, culture and etc) so I think we can be happy there. I know there are other offers so we'll see if we can beat it. I don't know when we'll hear, probably after the weekend. Ours is a good offer, I just won't know if it's the best offer. 

The only thing that I really think about is that I will likely not be able to find a job in my field and will have to change but it's possible I can find an adjacent career or something completely different and I know this is just part of the process. In addition to lower housing costs, the wages will also be lower. I will probably explore remote working positions too. 

I'm working a one year contract and while I have to drive farther, I'm really enjoying the folks that I'm meeting here.  I'm spending the time with my commute listening to audiobooks and podcasts again which I very much enjoy.  The days are longer which is taking some adjustment plus it's been like 8 months since I've really had to pay attention to a schedule again. 

There's been a number of death/illnesses in my circle of friends. I think I need to start a gratitude journal, pay attention to how full my life is and all that I have to be grateful about. 

Finance related, even though I'm considered laid off, because of our union contract, I did receive my 15 year step in pay. Every little bit helps. 

My spouse and I live in a three level townhouse and due to recent physical issues, we need to go down to a single level. It's also a good time to downsize, we tend to expand to fit the space available. If we can find a place cheaper, we can start to invest in a travel vehicle for our retirement. Who knows what next year will bring....we hope within a year we'll be in our new place. I hate moving. 

After this week, I can start breathing. Last week I finished up a week long class and this week has lots of things happening including big furniture moving which we hired the labor for, we can't be moving all these heavy things up and down stairs. Last week was a week long extensive training with just a few assignments to submit. 

I also stopped in to the campus at another college where I will have one year contract starting in the fall. This does mean that once I've completed the classes mid-June, I'm free until mid August. Who knows what employment will look like after next year but we'll see how it goes.

Yesterday while driving in the car, I was listening to the radio and they mentioned that the average age of cars on the road is 12.5 years which is apparently the highest it's been in years. I thought this was very interesting. It makes me wonder about the switch from gas powered cars. We actually have three vehicles which feels a bit excessive but they are all older than the average age. One commuter car, one truck that belonged to my Dad (sentimental) and a minivan that we've turned into a little RV for travel. The minivan could die any moment because it's got 210k miles on it but if we can keep it going for the summers we use it, then we will buy something of greater value in retirement. 

I've got a retraining package. I will be heading back to school again. This will put me in a position to continue working for the same organization. There's support from the folks in the department but goodness, I'm so salty. I've really pulled back and my current supervisors understand. I'm working on emptying my office and etc. It's tough after more than 10 years. Another coworker in my department was offered an early retirement package and they have until the end of the month to decide. They are 63 and have been there 30 years. This would leave a single person left in the department, when I first started there nearly 15 years ago there was 5.5 people in the department but now it's been stripped away. It's such a sorry state. 

I also believe that if we could figure out health insurance and work part time, we'd be fine. I've thought about this too but I'm not going to decide until I've gone through this whole process. I would be on a layoff list for up to 4 years so if another position opened up, I could claim it. 

I took a peek at Personal Capit and since the first of the year, net worth despite automatic 401k deductions, matching and additional investing every month, lost about $39k. If I look at the investments, I've lost so much more.  So I'm just going to ignore it. I'm still sorta young and I'm going to do my best to keep ignoring it. I think just like the housing market over time, it's just a matter of when you take the money out. The value doesn't matter until I take it out. I'm 9 years away from even minimally taking out social security and I know things can change so much. I think 10 years ago I bought a 2 bedroom 800 sqft townhouse for $30k and put in about $5k of work into it,  sold it 6 years later for nearly $120k. 

The other thing that I keep in mind is that I know that I'm so much better off than so many folks I know. Unless things completely colapse, I think we'll be okay. We have no debt. 

I'm 2 years away from being able to phase retirement. Things have gotten bad at work and there will be layoffs by November 1, I will know if I'm impacted. I have no control over if this will happen or not. I believe if it does happen, it won't be the worst thing. I know that there are other folks who are really impacted. It helps that while I enjoy my job, it's not my identity. I have also been through a layoff and came out better than I expected. This could be true here too if it comes to pass. I also work extra during the summer and the second half of my wages were not paid. There will be a lump sum to me hopefully on the next paycheck if everything goes right. Sadly, I expect it will be highly taxed but oh well, this too will resolve itself eventually. 

Summer is over and life just continues to move a long. 

After we learned of our CPAs death, we asked around for recommendations for a new one. Thankfully we got the name of someone that multiple folks recommended. The turn around was a little more than a week, I think. And the cost went down by $50! This person is younger and also a lawyer so we feel really good about the possbility of staying with them into retirement. I'm so excited about this possibilty and later after tax season, we might meet up to share a meal. We're going to get about $2k back between state and federal. We also are getting a little bit more from our real estate tax refund. They also gave us a good strategy for how to handle my spouse's new part time job. 

So I work for the state and because of covid, there was less usage of health insurance so they decided to "give back" the surplus as a premium vacation. This month of March we don't have to pay our insurance premiums. I think that will reflect around a increase of $250. I'm not sure what our plans will be for that. I know my spouse wants to purchase a different couch for our main floor. When either of us can't sleep well  (sick, wiggly, insomnia) we leave. I go to our lower level but they don't feel comfortable there so they sleep on the couch but it's not comfortable for sleeping.  I'd rather not have to buy a new couch when the one we have is perfectly fine except for the need to sleep there.  They want to get a small sectional and to be honest, I hate shopping. 

Yesterday I learned that my CPA of probably 20 years suddenly passed away. It was quite a shock to me. He seemed to have an infection and a weak heart. His heart couldn't manage and he was sick and later died within about three weeks. He was 75 years old and a one man shop, quirky but a good guy. Now in the middle of tax season, we need to find a new one. Ours is not that difficult but I want to have a relationship with someone who can carry us into retirement. I expect that we'll have to scramble to find someone who has availability but I'm really sad about my old guy. We have some calls out to people we know looking for recommendations. 

There's been a few folks who have been gone for a while....or maybe just not posting. Folks who haven't posted in a long time, one more than a decade. It's fun to read about them catching back up here. Congrats on your retirement Priceplus!  And just like Commute I-78, I like looking back too. 

Nothing here happening too much. My household is tracking our spending this month, next month we'll get a little more granular about the spending. It's been good for my spouse and admittedly they are paying better attention to how they spend money. What a great bonus! I usually do the bills but I always think it's important that we both know what we're spending and how to pay for it. If anything happens to either of us, we should know how to manage independently.

This week we're meeting with an attorney to figure out wills and other legal documents. We've been having some of those challenging conversations about end of life and etc. It's good to do this planning. 

Yesterday we met with our FP and he has given us a 3-5 year recommendation for retirement. We went out and celebrated by having lunch at a restaurant we like but that is closing after this month (sad). I'm guessing we could do it sooner too if we were really motivated but I think taking time to prepare will benefit us and only position us for less worry. 

It's a bit weird because I feel too young and while I will certainly miss aspects of my job, as we all know...there will be some that I won't. I just feel like with how life is speeding up and nothing is guaranteed (a cousin recently had a really sad diagnosis which is forcing a retirement due to medical reasons with a grim future). We want to have adventures now while we're probably the healthiest we will be and eventually settle down after 5-10 years of fun. 

I also feel like we're going to end up dealing with some folks who might be envious or something after seeing us retire. Has anyone dealt with that? I think because of covid, there's already been a disruption in friends and etc and so this makes it feel a bit worse but I guess this is just a bigger change in life and it's how it goes. 

So I didn't start blogging here until 2015 but I was lurking here for years before then...I remember when CeeJay didn't have kids when they were living in the Condo. I remember when Laura before she worked at a librarian and Fern (as she goes by now) was looking for work. I believe it was somewhere around 2010 or 2011. That's a long time. 

We finally got the federal refund but it's less than what we filed for. I'm assuming that in a few days/weeks we'll get an explanation of the difference and then talk with our tax preparer about the difference. I don't know why it's different. I've used the same tax guy for over a decade. 

I'll be using it to pay towards our annual insurance bill. 

Strange, taxes were filed at the end of March and we're to expect a refund. State has already been direct deposited but we're still waiting on the Feds. I looked it up on the IRS website and it's pending. I thought with all of the things happening with covid and etc it might have been held up but I hear others received theirs as quickly as it has always been. Nothing has really changed for us, same tax preparer, same jobs, same bank account. I sure hope it's not hiding up in a ceiling somewhere. 

We had our second pfizer done on Saturday. Low grade fever, feeling queasy and headache although it didn't really start until Sunday at 1am. I spent most of Sunday in bed. That's how I prefer to heal, sleep it off. 

We've gotten our state refund back but still waiting on the federal refund. 

I pulled up our zestimate through mint, our home has increased by almost $25k since we bought it 9/19. That just blows my mind, real estate is increasingly out of reach for the average person. 

Mint tells me my credit score is 830 but it doesn't mean much because I don't expect to take any loans anymore. 

I recently did set up a small bi-monthly withdrawal for a work tax sheltered annuity plan. My current work retirement accounts are now at about $420k which seems so strange. I've got a few other accounts with other employers and etc that is an additional $260k. About 300k in real estate.  Slow and steady wins. 

What I really need to do is make sure all my account names are correct. I got married 3+ years ago and make sure the beneficuaries are set as I intend. Additionally, we need to get living wills all those end of life discussions and forms completed. We have friends who are starting to deal with memory issues and the children are very scared so they are talking about forcing them out of their home into care but that's not what they want. 

Glad to work with the tax guy virtually. Taxes are filed and the state refund is already in the bank. I'm glad to have this done even though there's an extension.  I also opened up an additional retirement account at work because one time in my life I took it as a challenge to see how much money I could siphon off my paycheck without noticing and live on less. As a single parent living as lean as possible so I could take care of myself in retirement was a smart thing. It seems so weird to be closer to retirement than working too long. I always thought I'd have to work until I was 65 but that's not the case, thankfully. The time went so fast and now I want to look at the things I might have missed out on. I want to live my life a little slower now. 

I know a lot of you all use budgets, I don't because how I've always done it was figure out what my fixed expenses were and the rest was in the flexible spending(groceries, clothes and etc). If money was tight, I spent less on this and if I had more, I was more flexible. As I start looking into my retirement planning, I want to get there faster. I started reading some of the FIRE blogs and learned that for those who used to use YNAB, will appreciate the budgeting through https://aspirebudget.com/ which apparently is very similar. I'm going to look into it more and see if this will help me get to retirement faster. 

The FIRE folks talk about having 33x the annual living expenses and living off of 3%. It's farther away than I thought but who knows. After covid, I will talk to my financial planner some more too. I've read that when folks retire, spending typically goes up for the first few years because folks finally get a chance to do the travel and etc they couldn't when they were working. This makes sense to me. 

Just checked mint and I suppose with the market as it's going, it's just growing in leaps and bounds. 20k in a couple of weeks or so.  It's kinda unsettling to me because there *has* to be a crash at some point. This is just not sustainable. 

Sitting at home, spending mostly just for food and other basics. Although last night I decided to buy some really warm slippers, spent $50. They aren't as expensive as the Glerups and it seems my previous favorite sheepskin seem to have uneven reviews. I did consider the Glerups at more than $100 because my spending allowence has mostly just sat and gathered since I've go no where to spend it. One reason that I didn't get the Glerups is because I couldn't find anywhere that had my size and style in stock. I wanted to get the boot style because I work in the basement and my feet get cold. I use a space heater but it's hard to find the right balance. 

The other things we bought yesterday were usb rechargable fans for the van. Even if we end up not getting the van for whatever reason, the fans will be used outdoors for mosquito prevention or on hot days. We had some credit card points that reduces out of pocket to about $20. 

Well, we all thought the new year would be better....but it's not. So hard that I feel like I keep wishing away my days.  Not too long and it will be March which is when the pandemic started and we all that that was bad. 

I looked at Mint and now definitely over the 1 million mark with all assets counted. That feels weird to me and to think I've got 10 years left. I went to go look and see what I've put in my 401k per year to see a ball park of what I can expect to have it increase. I know that our returns can't be expected to stay the same. My annual rate of return for it was over 20%!!!  I believe I put over $16k in every year and even if I wanted to, I couldn't change that, it's mandatory at my job. With luck I'll be like Patient Saver and have at least 1 million investments before I retire. Of course over that time, so many things could change but I know that I'm sitting better than so many others. 

All the regular bills have been paid for the month. And my net worth including real estate and etc is about 10k short of a million and I feel pretty good about that personally but I think of everyone who has lost their lives or their job and etc due to covid. I worked hard and it paid off by this security but I'm privileged and lucky.  I still have another 10 years to work before I can retire unless we figure out something else for health insurance. Also I know that now that I'm in this age bracket, folks start dealing with big medical issues or other very unexpected things so I'm just going to try to carefully stay the course. I'm fortunate. This much I know. It's warmer here today than usual for this time of  year. I've got one more day (Monday) left of work for the year and I'm really looking forward to that break. It's been a tough year. I think I'm going to go out for a really nice walk before it gets too cold, possibly rains. 

My son and his GF will be back the first week of December! I'm so happy about that, nothing better as far as I'm concerned. I'm so impressed with their adventure where they got to learn so much about themselves and see a bit more of the world. I've never lived outside about a 60 mile radius my entire life. After reading more of the news, I am struggling with seeing them right away or waiting a couple of weeks to make sure they don't catch covid on the way back. 

I just paid all the bills for the month and we're thinking about the holidays and how we are going to handle them. We've made some larger purchases including stocking up on some shelf stable food and getting some really good warm weather clothes at a local warehouse sale. 

I'm hoping to replace my laptop eventually because it's probably 5 years old...oh I just checked and I bought it Dec 2013 for less than $270. At first I thought that I had to stick it out because my laser printer wouldn't work with a new one but there's a new driver. I have a few other electronics to digitize some of my media and I don't know if I have updated drivers for that so we'll see. Currently working from home, I mostly use my work computer...so much faster. 

My glasses are also old so I should get new ones but I don't feel like I need the bifocals yet because I can still read small print when I lift my glasses and I don't mind that work around. My glasses are at least 4-5 years old. 

Our November holiday might be an outdoor cookout over an open fire at the cabin. We have wood and a little campfire ring. It would remind me of years ago when we did that. 

Being outdoors is still something wonderful for me, a nice walk yesterday even though it was right around freezing and a bit of precipitation. I had layers of merino wool, fleece, down and at the last minute I grabbed by rain jacket. I'm glad I had it. Lots of people walking in the park. 

We have a planning meeting for the next few weeks and then I might read. I just got The Book of Delights electronically through the library. I'm looking forward to reading it. 

Hope the rest of your weekend is delightful!