Good news. We’re almost to the end of this post. There’s just a little more to go.
On the personal side of things, I’m thankfully still seeing the girl who becomes my wife. She provides me with a pillar of sanity.
But things aren’t always rosy. To start, we aren’t seeing enough of one another, mostly due to the outrageous demands of our respective corporate jobs, but also because a) I moved away from Boston, making it somewhat more difficult to get together, and b) toward the end of the year, I’m drinking too much, which contributes to me feeling miserable most of the time and sometimes I don’t want company.
We did take a wonderful 2 week vacation together, during which we both managed to decompress and enjoy life and one another for a while, but most weeks it takes real effort to keep the relationship working.
And it doesn’t help that neither of us are in a great mood most of the time. I’m seeing the world through the Veil of Cthulhu but she also has her own job-related stresses and issues. Things are generally better when we’re together rather than apart, but it’s difficult to pull all of the right bits together and keep them there for any length of time. I have no idea if that makes any sense.
Despite all of these challenges, we have a long conversation at the end of Year 6 and decide that it makes sense for me to do at least one more year.
You might be wondering how I could possibly choose to sign up for another twelve months of FinancialCompany?
The answer is simple. My net worth was skyrocketing, and it was exciting as hell to watch.
Net Worth at Start: +75K
Net Worth at End (early 2006): +166K
A 91K increase.
Note: I don’t include any material assets in calculating net worth, e.g. my car is not part of these totals
- S&P went up about 3.5%, plus 2%ish dividends, giving me a 12K bump.
- I got a raise from 88K to 92K at the end of the year. This 4K increase also increased my bonus and the amount of 401(k) money dumped into my account.
- I maxed out my 401(k) contributions at 15K, while my employer dumped in another 18K, amounting to a total about about 33K added in a single year.
- I save 33K of post-tax earnings, plus I receive my full bonus which works out to about 13K post-tax — between the two, this is 46K.
- I’m barely driving because I live next to work, making my auto expenses 1.5k/yr (not including payments)
- Because I’m working — constantly — I literally have no time to spend money on myself.
- Cthulhu doesn’t care if I eat lunch in the office, so I’m brownbagging again.
- I still owe 6K on my car.
- I’m spending $150 a month on alcohol. Maybe more.