Former academic turned CPA/Financial Planner (CFP(r))
My philosophy
Invest wisely and for the long term. Invest in yourself and not just in the market. While sometimes you need to be frugal to save funds to invest, at other times, spending more money in the short term will yield more valuable long-term results. Think about major decisions, THEN make saving for them automatic. Creating good financial habits and systems is key to success. The goal is not to die with the most money, but to live a full, meaningful, and satisfying life!
Goals for 2023
Word of the year = Clarity and key areas of focus = health, wealth, and systems, habits, & routines.
1. Health: Maintain/improve on health gains from 2021-2022. 150-300 "zone minutes" per week. Maybe run a 5k?
2. Wealth: Continue to save, and to pay down total debt to 60k by January 2024.
3. Systems, habits, and routines: Improve workflow to get tasks completed earlier. At home, DAILY and weekly routines including 4 hours a week decluttering. Bring in some professional help to really make progress this year!
Home Improvement Projects for the next several years..not sure about order
2018: landscaping (some)
2019: decluttering (some); main roof coated (10-year warrenty)
2020: replaced front & rear porch roofs
2021: replaced water heater; washing machine, A/C, bed; plumbing upgrades; decluttering;
2022: nada
2023: decluttering
2024-28: replace dryer, oven, refrigerator; external painting; front steps; door/window updates; update kitchen & bath; replace current car
2029-2031: consider selling & moving to a home more suitable for retirement.
January 20th, 2019 at 04:27 pm 1548001638