This lifestyle is a choice

Disclaimer: This post contains affiliate links. You can read my disclaimer here.

Lately, I’ve been pretty down on myself in terms of how my financial goals are progressing, and I’m afraid it’s starting to show publicly to my friends and family, and even occasionally online within the FIRE/PF community. We’re so often barraged with stories of other peoples’ success that it always feels like whatever we’re doing isn’t enough. At least, that’s what I’ve been struggling with. Continue reading “This lifestyle is a choice”

How much money should I have in my retirement accounts?

A topic that often comes up among financial discussions with my friends is what an appropriate 401K net worth is.

A general rule of thumb is that you should have about one year’s worth of salary saved for retirement by 30. This should account for salary growth as well – if 30 is a few years away for you, factor in some growth in your gross income. However, for me and my friends who are still quite a while away from 30, early benchmarking has been a challenge. Continue reading “How much money should I have in my retirement accounts?”

What I did with my tax refund

It’s April, which means tax returns are due! I had to file taxes in three different states for 2016, which ended up being quite a pain. That said, I got roughly $1,000 in tax refunds, which is incredibly exciting! I’m excited mostly because it was almost going to be just $300 before I realized that I was double-taxing myself in two out of the three states I filed in.

Why is it so important to plan around a tax refund? For many, it’s the biggest windfall we’re going to get all year. Continue reading “What I did with my tax refund”

Two Cents: Q&A with Helen

Welcome back to Two Cents, a Q&A series that reveals how individuals of different ages, cities, and professions feel about their current financial situation.

Hey everyone, meet Helen! She’s a good friend from college who now lives many states away 😭. Like me, Helen had the huge advantage of starting out at a company that forced financial learning, and that’s definitely reflected in the way she thinks about her finances. Yes, she has credit card debt, but she’s also handling it expertly! Read on to find out more. Continue reading “Two Cents: Q&A with Helen”

When it rains, it pours: I had to choose between a new job opportunity and a great counter-offer

Most people have had the experience of switching jobs. I’ve done it once so far in my career. What makes my most recent experience so different from the last one is that I wasn’t actively looking for a new opportunity; it kind of just fell into my lap. This means that when an offer actually came in, I wasn’t wholly prepared to leave my current job. I like my company, I like my team, and I like (for the most part) the work that I do. Yes, there are major frustrations that sometimes make me want to quit, but compared to my previous job, where I was overworked, underpaid, and overwhelmed, this gig has been real good to me. No job is 100% perfect. Continue reading “When it rains, it pours: I had to choose between a new job opportunity and a great counter-offer”

For the vision impaired: getting the most from your eye doctor

Disclaimer: This post contains affiliate links. You can read my disclaimer here.

I am a proud wearer of glasses. Almost three years ago, I switched from getting glasses from my optometrist to Warby Parker, and I’ve never looked back since. I’ve gotten many compliments on my glasses over the years, and I firmly believe that I’ve also saved money, which involves quite a story. Continue reading “For the vision impaired: getting the most from your eye doctor”

Being a Wedding Guest on a Budget

Disclaimer: This post contains affiliate links. You can read my disclaimer here.

I’ve reached that sweet spot of my mid-20s where everyone around me is getting engaged. I participated in my first wedding ever last October, and it was a total blast. However, it was also pricey! With invites from both my friends and Ian’s friends, I’ve had to set up a savings account so I won’t be blindsided by gift and travel expenses. Continue reading “Being a Wedding Guest on a Budget”