“Oh, dear. Bread and beer. If I were rich, I wouldn’t be here.” My grandma used to singsong this jingle when I was little. I would eagerly ask her where she would be. She was always quick to lock her fingers in mine and return a reminder that we could go wherever I wanted.
Now that I’m older, I’ve started to think on this again. Where would I be? What would I do? How would I answer her question? My greatest wish would be to spend one more day with her. But if I can’t do that, the least I could do is come up with an answer to her question. Continue reading “If I Were Rich, Where Would I Be?”
I’m afraid of getting sick. Not in the sense that I’m actually afraid of germs. Goodness knows how many germs pass through my fingers (literally) on any given school day. Normally, the concept of illness lurks in the back of my mind and then lurches to the forefront when a student gets sick (literally). I’m afraid of getting sick in the sense that I don’t know how well we can afford it, especially in the future. Let me explain. Continue reading “Illness, Expenses, & $12 Cherry Juice”
Since this is a post on investments, let’s get the platitudes out of the way: You’re in it for the long-haul. Look at the market’s performance over time. It’s just a bump in the road. That many Bogleheads can’t be wrong. This also isn’t going to be a post about how my dividends are now another income stream or how my returns are outperforming my spreadsheet estimates by six months on my FIRE journey. Why? Because that isn’t my reality right now.
Right now, my savings account is outearning my Roth IRA for the current year and year-to-date. My Roth is only .2% ahead of my savings since inception. The numbers are bleak. But I get it. I understand the power of compound interest. I think the estimates are far too generous, but I get the principle. I’m sold on investing. Since my big goals for the year centered on investing, I thought I’d share three mistakes I’ve worked to correct this month: Continue reading “3 Investment Mistakes I’m Trying to Fix”
When I walked into work on a Friday halfway through my first year of teaching, I was smiling from ear to ear. The day before, I had my summative evaluation and my boss checked the recommended for rehire box. We shook hands and took turns signing on the dotted line.
I set down my bag and scrawled the day’s agenda on the board while I waited for my desktop computer–oh, 2009, how I don’t miss you–to boot up. After clicking the Microsoft Outlook icon and letting out an exasperated sigh while my inbox populated, I looked around my classroom. It was a dream come true. I had been one of my only friends to land a teaching job right of out college in the midst of one of the biggest job shortages in education history. In fact, after I accepted my job, my principal let me know that they had received over 800 applications for a single teaching spot. It was meant to be. Continue reading “That Time I Got Fired…Twice”
The first time I mentioned the revolutionary concept of financial independence early retirement (FIRE) to my mom a few years ago, I was met with a scoff. She applauded the idea of financial independence. But early retirement? It was met with pursed lips, a decided frown, or the click of her tongue behind her teeth every time I mentioned it. Try as I might, I could not levy enough evidence or anecdotes or blog posts to make her sweeten on the idea. Perhaps the concept was just too abstract. But then I took a step back and started to see my mom for who she really is.
Continue reading “FIRE is in My Blood”