After all of this talk about work, it’s worth mentioning that I had, at times, something resembling a life outside of FinancialCompany. It’s always far, far too little, but a little bit of a life is infinitely better than nothing.
Since I’m on the East Coast again, I’m only a few hours a way from my family so I take opportunities when I can to visit folks. And a few of my old guy friends live in the area, so I’m able to occasionally hang out and catch up with them, too.
But most importantly, my ex-girlfriend from college becomes my current girlfriend again. And it’s fantastic. Having someone really plugged into your life who you can share your experiences with goes a long way toward making that pendulum of personal satisfaction swing just a tad toward more toward ‘good’ than ‘bad.’
She works at another big corporation in the Boston area. Although our core functions are very different from one another, we share most workplace frustrations and understand one another perfectly.
Anyway, I’m still not exactly sure why she’s stuck with me, but I’m pretty glad she did.
Year End Financial Summary
Net Worth at Start: +8K
Net Worth at End (early 2005): +75K
Note: I don’t include any material assets in calculating net worth, e.g. my car is not part of these totals
- Things take off this year. My company gives me a 20K 401(k) bonus, and a 10K regular bonus (7 after taxes) for a positive bounce of 30K. I save the entirety of these bonuses — no lifestyle creep.
- I max out my 401(k) contributions at 15K.
- I save another 20K of post-tax earnings
- The amount I owe on my car goes down from 16K to 11K.
- I barely drive vehicle, taking public transit into work. This keeps my auto maintenance costs (gas, taxes, etc) close to 2K for the year.
- I’m investing in mutual funds.
- I still owe 11K on my car.
- Suits and Dry Cleaning
- Lunches out at work
- I don’t yet have great asset allocations worked out yet — I’m 90% in stock, 10% in bonds. Many of these funds are actively managed, so my fees are high.
- I bought a surprising amount of stuff that year. 2K on furniture. 2K on electronics. 2K on books, CDs, kitchen appliances, miscellaneous stuff. I could have spent a little less but I will say that most of the stuff is still being used.