It’s been a slow month for posts but that’s because it’s been quite busy in other areas of my life. After returning from our sailing trip to Thailand, I have been on a marathon of business travel. In the last three weeks, I have been home with sweet Mrs. Zero a grand total of two days. Mega-Bummer – but my company doesn’t send me those paychecks every two weeks for my good looks. No, lately it seems I am paid for blood pressure points above 110/70.
I am currently in Beijing China taking a break from work, spending an afternoon at an outdoor cafe’ with an incredibly overpriced Stella and the accompanying “free” Chinese style spicy peanuts. Beijing is one of my least favorite places to visit, but I will not go into that here.
Although I have been slack on writing, we are continuing to make progress towards our FI goal. Our savings is well on track and still hitting around 75% on an annual basis. Market growth and dividends have helped us along to the tune of $45K so far this year – not bad on about $650K invested.
I last updated our net worth when we officially crossed into millionaire status in late February. We are now starting to put some distance between ourselves and that milestone. I have managed to keep that growing pile-o-cash in check by further paying down our home mortgage (saving us 3.25% interest), but haven’t had the guts to reduce cash significantly by adding more after tax money into market.
As I have written before, I know it is not possible to time the market, but I just can’t seem to bring myself to pile-on what I believe is already overpriced. I looked into starting a position in peer to peer lending, but since I don’t reside in the US, it is going to be a complicated endeavor. Perhaps it’s time to add to my very small bond position. I am inclined to add more to Vanguard’s Total Bond Index Fund, but if anyone knows of a good source of information on municipal bonds or otherwise, I am all ears.
So we continue to kick-ass in terms maintaining our FI trajectory, but I have to admit that lately, work is sucking more and more. I’m not sure if this is a form of short-timers disease, or if after nearly 20 years, I am finally coming to the realization that work is meant to suck. Perhaps I owe this feeling to the taste of freedom that our recent sailing adventures gave us. At any rate, lately I oft find myself counting the ways life will be better once I have full control of my time and how I spend it.
This blog and the lack of posts recently is a microcosm of what having a “career” in today’s modern world has become. I am connected and expected to be connected to events in real time. When I travel, it is amplified and the separation between my time and work time is blurred to the point that there is no longer a distinction. Although many of us have come to accept this as normal, I firmly believe this isn’t what life is supposed to be.
This blog is what I do for fun, but it requires some brain power and a clear head. Spending time with my lovely wife and three boys is what I look forward to, but is far less meaningful if the latest dramas at work fill my brain’s limited bandwidth.