Although things are generally going well in my personal life — my family has good health, I’m not stressed out about work much, and I’m able to spend a decent amount of time with friends — a divide opens up between me and my wife.
We’re still getting along great most of the time, except when it comes to one thing: FIRE.
I mentioned back at the end of Years 9 and 10 that we’d started having The Talk about not working forever. So since then, the temperature and content of discussions on this topic swing wildly. Sometimes, my wife believes it’s possible and she’s totally on-board. At others, she’s skeptical. Nobody does this. It’s not possible. Plus what will you do with your time? Heck, what will I do with my time?
There’s some fear — surely because of the unknown — and reluctance to throw herself wholeheartedly into the journey.
We did eventually work it out but I don’t want to share all of the details here. There’s enough to the story to warrant its own blog post, which will come out
later this year eventually. (Maybe.)
Net Worth at Start (Jan 1, 2012): 616K
Net Worth at End (Sept 1, 2014) : 848K
- You aren’t reading that incorrectly. That’s a 232K increase in about 2.5 years. This is mostly due to an insane market run-up — the S&P climbed a bit over 50% through this period. I held about 500K in Vanguard accounts at the start of this section, and 70% of that tracked the S&P index, translating into a 170Kish gain. During the same time, bond funds edged down slightly, for a loss of about 10K. The remaining 70K or so I saved. Savings would look a little better but my first year with University I didn’t have access to a 401(k) vehicle. Also keep in mind I’m earning quite a bit less than previous jobs.
- More home expenditures. 10-15K or so on maintenance/improvements.