February 2017 Update and Random Stuff

I have had a bit of writer’s block since my last post, so I thought I would update you on our financial progress.

Since our last update at the end of the year, our net worth has seen a very nice increase driven by a smoking hot market and our continued commitment to saving aggressively.  Total net worth increased $28,258 in the month of January.  Here’s a breakdown:

  • Tax Advantaged 401K and IRA accounts grew by a little more than $12K.  $2K was from Mr. Zero’s 401K contributions and the remaining $10K from investment growth!  
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I might be an A-Hole.

Into the sunset! No looking back!

I am guessing I am not alone here, but as our Financial Independence date draws closer (currently sometime in mid-2019), I find that the same questions of doubt keep percolating to the forefront of my mind. They all have something in common – they put a big gnarling pit in my stomach.

I have always prided myself on being hard working and responsible.  Even when things didn’t go my way, I could always fall back on a feeling of “well, I did my best and that is all one can do.”   I think this is why these questions resonate, until I feel sick to my stomach.  … Continue reading

Desire and Dale Carnegie

Previous attempt at manipulation. Zero #3 thinks he is a comedian.

Recently, I realized that I suck as a saleswoman. No, I didn’t have a particular good or service to sell. What I wanted to do was persuade people to volunteer. My challenge was finding a way to sell them on the belief that volunteering is worthwhile and valuable.  I needed to find some trick to get them to sign up and get involved. I gave up on hoping and waiting for people to come to me, and I stopped scouring the internet for advice.… Continue reading

What’s in a name?

William of Orange – a decidedly distinguished gentleman and the namesake of all those (Hill) BIlly’s and Willie’s.

My 3rd son was originally supposed to named William, but at the last minute, my wife got the old TV series Little House on the Prairie stuck in her brain and could not shake the thought of everyone calling our son “Willieeeeee!!!” So out went Willie, I mean William, and in came Zero3, who is instead the namesake of his great-great-grandfather.

For all those William’s, Will’s, Bill’s, Billy’s  and Willie’s out there – No offense intended.  

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2016 Year in Review

2016 was a good year for the The Divide by Zero, but also illustrates that we still have some work to do.  Here’s a quick summary of the year.


The Zero’s net worth grew by the largest amount ever in a single year.  We started the year at ~$740K and ended December at $930K.  A $190,000 increase for the year ain’t too shabby and puts us on pace to join the 2 comma club sometime in the first half of 2017.

Our tax advantaged account grew significantly thanks to very good 2016 market performance.  … Continue reading