All posts by Joy

Joining J. Money’s Million Dollar Club

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Today, I’m taking a pledge and – being one of the last to the party – to join J. Money’s Million Dollar Club. I’ve already unofficially been a member since I’m working towards $1M (well, $2M is my financial freedom money goal) but this makes it all more official. Plus, hopefully he’ll add me to his fancy list. I like lists.

I would like to become a millionaire by the time I’m 45 (or sooner) independent of any wealth my husband is accumulating. This puts me well on my way towards $2M+ in individual networth AND means that when my (hypothetical) children are in their pre-teen and teen years I can be more flexible with my career and actually see my kids before they’re out of the house, married off, and spending time with kids of their own (tear. boy do they grow up fast.)

In order for me, Her Every Cent Counts, to become a millionaire by 45, I pledge to do the following:

1. Invest an average of $5000 per month for the next 10 years (between taxable accounts and retirement accounts)

2. Max out my 401k each year for the next 10 years (or every year I have access to a retirement plan through work) even without match (because let’s face it I’ll never work for a company that offers a match.

3. Live in my 1 bedroom rented apartment with Mr. HECC for as long as possible (i.e. until our first child is two) even though I would much prefer to live in a 2-3 bedroom house. Only buy a house after I have $750k-$1M saved for retirement that I don’t need to touch, so it can grow to $2M by the time I retire.

4. Continue to drive my used 2011 car until it dies (but invest the appropriate amount into keeping it in good shape.) Never buy new cars.

5. When possible, increase my monthly savings beyond $5000 (for instance, I can save up to $7000 right now per month if I’m extremely frugal) but don’t let being “ahead” of my net worth goal at any moment in time change my savings rates.

6. Put aside any additional income (bonuses, tax refunds, extra income) into my investment accounts.

7. Find a career that enables me to consistently save $5000 per month for the next 10 years (which means that I can’t go back to grad school unfortunately so I likely have to stay in my current career and just learn to suck it up.)

8. Gain skills and keep up to date with latest skills to become highly valuable as a consultant in my industry so I can potentially earn more money working for myself and enjoy my life more.

9. If needed, move to an area of the country with a lower cost of living (but only if I can continue saving $5000 consistently per month for the next 10 years)

10. Invest in experiences only, especially travel before kids and family vacations after kids. Rotate cheap vacations (camping) with fancier ones (Hawaii). Any additional income (if income increases) should be split between savings, “life experience” fund and housing fund.

 

 

 

Depression Is…

I write here, anonymously, because adolescent angst is no longer all the rage when you’re 33. For those of you who regularly read my blog, I apologize for the negative tone it has taken as of late. I just use this as a place to anonymously document my life in all its bitter glory. Life isn’t really all that bad, so I ought to just shut up entirely about these thoughts and feelings that come into my head. But without having this venue to share, I might just explode – or implode.

Thank god I’m so terrified of death because killing myself is such a remarkably attractive option right now. I know it’s a long term solution to a short-term problem and I’m not going to do it. But nothing else makes sense right now. Honestly, when I think of all the possibilities in the world there is no positive outcome in sight. I’m tired, exhausted even, of my overthinking, of my overeating, of my failure to do my jobs well which might be  due to the fact I am lacking in abilities or skill or training or maybe I’m just horrible at consistency or perhaps I’m flat out dumb, at least in terms of real-world job skills. Continue reading

Here’s To the Dreamers: A La La Land Review Among Other Things

The best movies touch every audience member in a different way, but have a clear world picture of what they want to say. La La Land is one of those movies, and I highly recommend you see it (spoilers enclosed) — the film follows the lives of two dreamers – a young actress and jazz musician in Los Angeles who are chasing their dreams. The film starts out with the actress (Emma Stone) working at a coffee shop on a film lot and the jazz musician (Ryan Gosling) getting fired for playing unconventional jazz music he wrote at a restaurant gig after being warned not to by his boss. Then it follows their lives over the next five years through a love story that’s more focused on how hard it is to chase your dreams than it is on the love story itself. In the end everyone gets what they want, well, sort of – at least in terms of their careers.

For anyone who ever chased a dream or is chasing one right now, they can relate to the film in that context – how hard it is to chase a dream, and the hope that maybe some day it will all work out (and the reality that even when it does not everything works out even a fairytale ending is met with the reality that nothing always is perfect, and you always have to sacrifice to reach your dreams.) For those of us who are too afraid to chase our dreams, it gives us hope that maybe it’s not too late – maybe it just requires someone to nudge us along the way, whether that’s a tap-dancing romeo or a voice within. Of course, for every success story of dream following there are a million that never come to fruition.  Continue reading

We All End Up There in the End

I’ve always been afraid of dying, but after visiting my now deceased grandmother’s “home” in Las Vegas, I gained a new fear of living. Aging is not a fun process by any means as we lose control of our minds and our bodies towards our inevitable fate.

Why am I thinking about this on Christmas? My husband’s grandmother, who is in her 90s, is in one of those homes and the situation, from what I gather, is not a good one. When you’re in your 90’s – even if you are mentally intact – you often lose your autonomy. If you are lucky, you have a family member who genially cares for your well being who is given power of attorney  over you and everything in your life. Where you live, when you go to the doctor, when you can go for a walk, and practically how often you’re allowed to breathe per day. Continue reading

INFP in an ISTJ World: The Artist In Silicon Valley

I don’t fit in here. More than 10 years working in tech in Silicon Valley, and I look around at all of my peers and feel more like an alien than ever. Don’t get me wrong — I highly respect my peers — but I’m not one of them. While diversity of thought is valuable in any industry, it’s clear my thought is not welcome as is.

However much you believe in Myers Briggs as the be-all-end-all truth of personality definitions, there is a fairly common theme in technology firms of personality type: the INTJ. While my introversion is not judged as harshly in the tech industry as it would be outside of it, my complete anthesis of the typical Silicon Valley worker otherwise makes it vital for me to be an “E” — the “E” (extrovert) which is a value add since many of the folks here are introverts. Limited senior leadership roles that are open to non-engineer types often look for “E’s.” There are enough introverts to go around who are practically rocket scientists, but as an extrovert there is less competition to make it to the top – if you’re truly charismatic (which I am not. I am an awkward introvert and despite dreaming of having the presence of a Michelle Obama I realize that will never happen.) Continue reading

The Good, the Bad, the Ugly: A Contract with 2017

2017 – how did you get here so quickly? Time continues to fly by, and  although my bank account is looking healthier than it did a few years ago, I am still the same old person. 2017 already looks a bit shaky given our political climate (how on earth did Trump get elected president? So #unpresidented). Anyway, 2017, here are some things I want to accomplish in you — which sounds awkward but you are a year and therefore I’m not doing anything obscene by entering your cavernous orifices via January 1. Continue reading

The Candle Melting Down in the Middle of a Steak Dinner

Flames blur after I can’t recall how many glasses of Zin, our glasses always replenished in our conversation from unique sides of the world of business. The dinner I hosted which I feared would be a disaster ended up working quite well – with an academic, a mid-career professional, early career professional, consultant, a peer from my company and myself – it made for a really great mix of people and fascinating evening.

I didn’t sleep last night and I feel as if my heart is about to give out. It’s only 9:40pm but I soon will close my eyes and drift off to sleep. The wine helps. My thoughts are a mix of hope and sadness. I feel as if I’m the flame in the burning solo candle in the middle of the table towards the end of the dinner when the conversation around goes on and laughter is rampant yet the candle is burning low as its wax melts into nothingness, it’s bright flame unaware of its inevitable fate.

My voice is so annoying and I always feel out of place. I don’t feel like I said anything inappropriate but nonetheless I thought I talked too much and didn’t add any value. The only time I EVER feel like I did something decent is when I say something funny and someone laughs. This is my savior. Without it I am completely and utterly alone. Making others laugh doesn’t make me fit in, but it gives me a purpose. That is what I love.

I need sleep. Soon morning will come. I am so stressed out and sad about my job. I wish I could be more appreciated. It’s my own fault that I’m not. Bu there are things I do that I believe have a lot of value but who cares. It is too late now. I am on my way out. I have to accept that and move on. But I’m so sad because I really like this industry and the people I have the opportunity to get to know. Usually I just hate everything about a job before I leave. This time… I’m mixed. I wish it had turned out better. But I need to get out soon.

Attempting to Refuse to Give A Fuck Except the Only One(s) Worth Giving

“I don’t understand this depression thing. You have a job, you have a husband, why are you depressed?” my mother asked, following up five minutes later by asking me if I’m ever going to get a job she can “explain to her friends” because “that would be nice.”

Over dinner, my sister, seven years my junior, was reminded by my mother how in high school she couldn’t write long papers like I could (she had a learning disability) and, yet again, I cringed as my sister was compared to me knowing full well what that does to her own psyche. Luckily she’s a strong chica, but she went through serious depression as well and deals with a mile-high pile of her own shit on a daily basis. We both do in our own ways.

Time is flying by so quickly. I’m coming up on my six month wedding anniversary. I’m 33. 30-fucking-three. Ovulation calculators remind me that if I get pregnant this spring my child will be born when I’m 34. I’m fully an adult now but I still flinch when my mother or father criticizes the choices I make and things I do. I try hard to not be as self absorbed as they are. I think daily of the ways I will not be like them when I have children of my own. I imagine how to be a little less myself when I’m a mother, how to hide the real me.

I never thought I would change, but I think in some ways I have. I’m still the same old miserable-at-life mess that I’ve always been. I can waste time like it was trash itself. I still am passionate about what’s right and justice and empathy and honesty. But as an adult, I care less about proving myself and more about adding value to society. I still hope one day the value I add will be recognized, and while I’ve given up  long ago on being famous it was only in the last few years when I no longer coveted fame as the be-all-end-all goal in life. I began to develop a newfound appreciation of my anonymity, realizing I found happiness in the moments when I walked down the street alone in new cities where I knew no one and didn’t have to worry about running into a person who wanted to strike up a conversation.

Fiscally I no longer crave wealth in the way I once did. It’s not that I ever wanted to be extremely wealthy, I just wanted to be in the upper middle class with the ability to afford my shopping binges at discount designer outlets and Sephora.com, plus regular excursions to new cities and places around the world, and a home with a nice bathroom with a giant tub and beautiful gourmet kitchen to cook in and perhaps a backyard pool or community one where I could socialize with actual friends. But now I’m over that dream as well, to an extent. It would be nice to have a house, sure, but I don’t need one to be happy. It may even reduce my happiness because I find other than anonymity what keeps me content is freedom. I like to have the husband thing committed so I don’t feel totally lost, but I prefer freedom to being trapped in my life, especially in my area of residence. When life is a big blur the only thing separating one time period from another is when I’ve moved from one apartment to the next. This is how I tell time.

Lately, especially with what’s going on in the world of politics, I feel inspired to do more about fixing the world. I’m not sure exactly how, but I like to tell stories and I like to create and I like to help people, so there’s got to be something I can do professionally where I can pay the bills, put away a modest amount of savings AND give back to society. I’ve considered returning to journalism because I feel like I didn’t give it enough of a chance in my career — I was too young and afraid and didn’t understand the world enough to provide any useful commentary on much of anything. Unfortunately, pay in journalism is so low and to start over would be practically impossible if I could even find an opportunity. Typically that would require moving to a middle-of-nowhere market and as a married person that requires convincing my spouse to move as well… which won’t happen. But the thought is there.

When I have kids – if I can have kids – I know I need to settle down a bit and really pick a career that will consistently pay the bills. Maybe my current world is ok I just need to learn how to be more on top of things. Or I do something different. I don’t know. I will have to move if I want to try something new. Hubby is open to moving, though partial to particular regions where it always rains. I prefer the sun. I really don’t want to move anyway. But I will if I have to.

Life goes by so quickly. And when you step back and look back on all the crazy in the world your little piece of it doesn’t matter at all. Look at who we elected President. We elected a sociopath to the White House. Who knows what will happen in the next four years. Maybe my stocks will increase in value short term, maybe the entire market will crash. Who knows. I am a bit worried, but more so just tired of worrying. If I lose all my money, so what? It is scary, but it probably won’t all be gone. If it’s all gone, then there are bigger problems. I’m more concerned about civil war and nuclear holocausts and climate change and injustices and lack of access to education. I’m more concerned about other people than I am myself. I guess that’s what I mean about being a changed person. I’m tired of caring about myself. I want to care about other people… whether that be my children or the children of the world. I’m so tired and beaten down from working a job where the rewards are solely financial. I need a break and a breather to feel value on a deeper level. I’m still scared shitless but I’m also starting to break free of all my fears. Starting…  is a start. Not letting my mother’s nagging get to me is a start. Not allowing that voice in my head that tells me I suck at everything when I clearly only suck at “this one thing I’m doing that I happen to be getting paid for right now aka my job.” No accepting that I am a failure on all levels, that I must be either GREAT and AMAZING and a WINNER or a total loser.

I really don’t want the rest of my life to be this. There has to be something more.

Spiraling Out of Control: Fighting Horrible Anxiety Through Long Winter Nights

Anxiety ebbs and flows through my life, causing varying levels of disruption to my productivity and potential for success. Unlike depression, which feels somehow more real and worthy of concern because I can feel my body shifting into a state of inability to move, anxiety is different and fuels a sense of shame. It is a horrible loop of self sabotage – lack of sleep makes anxiety worse and anxiety makes the ability to get a good night’s rest impossible. My heart is breaking for the life I want that keeps inching further and further from my grasp. It feels like I’m attempting to breathe in a room where the oxygen is slowly being sucked out and I’m expected to perform just the same as I suffocate.

This anxiety makes it impossible to focus. My mind literally cannot stay focused on one task requiring intellectual processing for longer than a few seconds. Clearly that is not acceptable when my career relies on me to produce quality work leveraging my brain. I keep thinking I’ll just take a few minute’s break and then get back to work and make progress, and then I find myself staring at the same blank sheet of paper unable to do anything. I am exhausted and want to walk out of my job and never look back, except I can’t because I need my job and if not this job I need job and no role will be better.

My doctors wouldn’t give me anti anxiety medication because I may be trying to get pregnant soon, which makes sense since it would be dangerous to an unborn child. So I don’t know what to do at this point. The depression fueled by anxiety is much scarier to me than the one that stems from my actual depression. Anxiety is an alien attacking me from the inside, and I as I attempt to hide my hand’s tremors I long to to grab a knife and cut it out.

I try to breathe, do exercises which for a second may ease my mind. I listen to music in attempt to calm myself. Other than watching a television show or closing my eyes and falling asleep (if possible) I cannot stop thinking in these horrible loops over and over and over again. I feel incredibly alone and ashamed. Why can’t I just stop?

The current political system in the U.S. makes it worse, certainly. I feel helpless as I watch our country being taken over by an evil, self-serving man who may lead us into world war or who knows what. I fear for the safety of people of color and anyone who thinks differently. I wonder how I will be able to raise children in a society where a man who throws temper tantrums on Twitter is president. How the one person who is supposed to represent stability and calm in a big scary world filled with evil humans is actually the scariest of them all. And I want to do something to help, but my role in this great big world is to wake up each morning and convince companies to buy software that will make them more efficient. I’m part of the problem. Perhaps I am the problem. One of them many.

Maybe it will be better tomorrow. I hope to get home safe, I don’t feel comfortable driving right now but I must to get back to my bed, only to repeat the journey again – to feel like everyone is watching me in my small desk in our open office, or that everyone is noticing that I left to attempt to get work done at a coffee shop down the street except my head is spinning so fast the only time I can get anything done is late at night when it’s quiet and calm. But I need sleep, so staying up late to work is not the best idea either.

Trade jobs are being lost to efficiency and automation. The jobs that exist now and will continue to exist are those which create redundancy between human work and machine work, or the roles which produce more efficiency from the machines. Maybe one day we’ll be in a world where we won’t have to work so much because robots do all the things that need to get done, but that doesn’t work in a  capitalistic society. As all the science fiction shows and books try to warn us, this is not going to come to a happy end.

Perhaps I should just shut up, take a few big breaths and keep my head down, and live my life and make the world more efficient and pose it all as a positive as more and more people lose their jobs or are called out for not being efficient enough, not being 150% productive in a society where 100% is no longer good enough.

I want to feel excited again. To feel like my work is contributing to something greater that is helping the world or at least entertaining those who feel this same sinking anxiety and horror at the state of things.

Instead, again I find myself drowning yet again. I don’t even see the surface anymore. It’s just dark and cold and I’m losing the energy to kick and force myself to the surface for a quick gasp of brisk air before plunging back into the darkness.