Gifts Ideas: ideas!

2016, December 24th

Hi RIP friends,

Those who know me know how I don’t usually like gifts.

No, I’m not an ultra evil person, let me explain it a little bit more. I hate to have to buy gifts for “special occasions”, which appear to be every other day.

The RIPs are very social, especially Miss RIP. We have tons of friends. Add to that tons of relatives in both families. Plus, we both have lived in several places, like Rome, Naples, Milan and Switzerland. In every place we’ve established strong connections and dates to celebrate.

Integrate this over almost 40 years and essentially every day in your calendar is: “today it’s exactly 17 years since we painted the living room, what a coincidence, how are we going to celebrate?”

Or something like:

Miss RIP: “Honey, tomorrow will be exactly 1000 days since the child of WhoTheHellAreTheySorryIHaveForgottenTheirExistence-Friends was born! What are we going to gift them with?

Mr: “I don’t know… btw, if tomorrow is the 1000th days it means we’re getting close to his 33rd month, can’t we wait and just gift once for both these ‘special days’?

Miss: “Uh… you’re right…

Mr: “Thanks my love 🙂 I knew you’d have understood and agreed on a single…

Miss: “You are right… you are right… in 5 days it will be exactly 33 months since whatever and I wasn’t prepared… panic mode on! Check out how many pajamas that kid has, be quick!! Let’s look for one that matches the shirt he’s going to get from us for his 1000th day!!

Mr: 🙁

Ok, jokes apart, I and Miss RIP have a slightly different view on who, when, how and what to give. For example, I don’t like to bind gifts with special dates. Whenever I feel the duty to give I feel something is wrong. I like to spontaneously give to people whenever I like, not when it’s exactly their 300,000th second since last time they had an hiccup. I must admit that my behavior leads to slightly less gifts in general, since there are way more “special dates” than times where I feel like giving something to someone. But it’s ok, I’m fine with that.

I don’t like to physically go buying stuff. I hate shopping malls, I hate being within that crowd of people in a fake place with fake music and fake piazzas. I feel in the wrong place. I’d rather shop online. That’s not only for gifts but for regular stuff too. I hate shopping in general, feeling forced to go buying craps for someone else is even more annoying.

I don’t like buying things that 90% of time are going to be thrashed, recycled or in best case scenario they’re going to clutter people’s houses.

I usually don’t like receiving gifts too. It’s rare I receive something I really would have purchased myself. To give you an example: last year I wanted to try to run a triathlon (failed way before taking it seriously due to several minor injuries) so I received an expensive sportwatch I’ve never used. I feel sad about it, but I didn’t need it. And I didn’t need the extra digital clutter associated to having yet another account to setup and keep up to date, yet another flow of spammy emails to filter out and god knows how many other hassles.

I believe I’m the best person in the world in the “knowing what I like” contest. And even if I like something, if I didn’t schedule the purchase it means I don’t really need that something right now.

RIP, you’re being mean. If you have in your radar object X and I buy it for you what’s wrong? It’s free money for you, why do you complain?

No my dear friend, it’s not free money. Yes, I’m not paying for the stuff I’m receiving but I’m paying for the stuff I’m giving to you and this is an inferior solution compared to “everyone buys their sheet whenever they want”. Plus, why the hell should we play the evil game of comparison? What if your gift is way more valuable than mine? I hear backtalks everyday on “how cheapass X is” for their giving behaviours and poor gifts choices. I hate that, seriously.

Ok RIP, what about gift cards?

That’s just another inefficient idea. Gift cards are money placed under a shop. Which one is better, 50 Euro or 50 Euro to be spent in shop X? It doesn’t make much sense to me. It would make sense if the face price of the card were lower that its value (i.e. if a 50 Euro gift card would cost 40 Euro) and if the receiver is already a regular customer of shop X.

I don’t even know what kind of objects people need. I’m not good at it. If we meet and talk together for an hour I will forget 90% of this experience, I’m sorry. I won’t remember how you were dressed or what’s that thing you’d like to buy. Forgotten in a second! I won’t remember most of the uninteresting things you’d tell me. Though, I’d remember every detail of the new ideas we threw on the table. I’d remember the deep discussion we had about a topic we both care. I’d remember the projects you’re passionate about and the feedback you gave to me about my ideas. I just won’t remember what colour your shirt was, sorry about that.

My guess is that people don’t need more stuff. I’ve the feeling that most of the things we exchange as gifts, especially during Christmas, are unwanted, unneeded and are going to clutter our houses. Plus, as an investor, I think the economy would still be fine without all this garbage game.

Maybe gift lists can help here. Like a wish list on Amazon or a wedding list. One should put some effort to keep it up to date and who wants to buy stuff to someone else can get inspired by stuff the receiver signaled they’re interested in. I don’t know if there’s a universal killer app for wish lists, maybe amazon’s one is fine. Anyway, no. No, no no it still doesn’t make sense. If I really want those items I’d buy them myself.

Ok, what’s left? Gifting is not just a matter of stuff, it’s mainly a way to tell someone you care about them, isn’t it?

I like handmade gifts: a handwritten letter, a knitted hat, a homemade cake, a 6 pack of craft beer, a painting that you made… The point here is that you showed you care about me, not that you felt obliged to buy me sheet. And I’d love to dress a unique hat instead of a 5.99$ one from H&M 🙂

I like consumable gifts: a bottle of olive oil (better if it comes from a farm you know directly), spices, tea, high quality pasta… The points here are (1) you don’t clutter myself in the long term (2) you let me know about a product I may like but I don’t know yet.

I like (slightly less) experience gifts: a flight ticket for a weekend in a city we wanted to visit, a ticket for a SPA experience… The point here is that you still don’t clutter me but the risk of something under appreciated is still high. Good for very close friends and/or couples.

I like (a lot) time gifts: a handwritten coupon for a binge watching marathon of Game of Thrones together, an evening of no duty (no preparing food, table, cleaning and dishes), a promise to play Pandemic Legacy together for 24 sessions straight… The point here is that I know time is your scarcest resource and you care about me so much that you’re offering part of it to me.

And finally I like idea gifts! What’s that? Please, follow me…

Surprisingly this Xmas Miss RIP approached me with

Miss: “hey honey, why don’t gift each other with an idea for this xmas?” – then she suddenly said – “… it will be tough for me, I don’t know exactly what kind of idea can I give to you, but I’ll try!

Mr: “That’s awesome, that the perfect gift! Now, what do you mean by an idea?”

Miss: “Freedom of interpretation, ‘an idea’ 🙂”.

Mr: “But for you? For us? Ok ok don’t ask 🙂

I really enjoyed the process of coming up with my idea: I focused on what can make her a better person. I packed my idea with a long handwritten letter (how impossibly hard has become handwriting?) with few thoughts on her and on us. I took time to focus on what’s important but not urgent and I hope she’ll appreciate my idea. I’m not going to disclose here what’s the idea, it’s not important.

I enjoyed the process so much that I’d like to make this a kind of routine, maybe yearly, maybe quarterly. I want to become a better person and I care about my beloved Miss’ feedback.

Providing some form of written, recorded and slightly committing feedback is a powerful tool to help your friend/lover and show you care.

 

2016, December 26th

Holy sheet Miss RIP took it seriously and offered me 10 ideas (instead of one) to improve myself by installing new healthy habits. Cool, I’ve got new years resolutions written by someone else. But honey, waking up so early every morning to exercise, meditate and write?

Anyway, I also committed her into something with my idea. Now we’ll walk together on the sharp edge of soft commitments, hoping that it’ll give strength to both our goals and our relationship.

At least I hope so!

Happy holidays everybody!

Mexico, before the Wall

Hi dear RIP friends,

If you followed me so far you know I’ve recently been to Mexico for 2 weeks.

I wanted to write about my experience and share some thoughts about money, freedom and society.

Be prepared, this is a very long post (the longest I’ve published so far).

I’ve split it in several pages so your browser won’t crash and your patience can be slowly probed 🙂

I’ve even added a table of contents, here it comes:

Ok, you’re ready to start now, see you on next page!

80%

Quick update!

Hi RIP,

I’m your manager and as you know we have this funny end-of-year routine where I raise your salary for no reason and give you a ridiculously high yearly bonus, planned as 15% of your gross yearly salary but usually more than that.

Well, today is your day! Base salary raised by ~2% and 2016 yearly bonus of slightly less than 20%, which prorated (because you worked 90% this year… yes, 10.78 months out of 12… yes, you took unpaid sabbatical for slightly more than 5 weeks) becomes 17.5% which means more than planned anyway, and way more than you accounted for on your NW spreadsheet, I guess!

Wow… thanks. I’m so positively surprised. But wait, dear friendly manager, how do you know about my NW spreadsheet??

Hey RIP, how is it going?

Hey, hi, ciao, sorry not now. It’s not the right moment my dear imaginary friend. I’m having an imaginary conversation that makes fun of my actual conversation with my manager.

…what if I and he/she were the same imaginary person?

😐

Ok, jokes apart, what an amazing news! 2% increase and a super bonus way higher than expected! Anything else dear manager?

Of course! Here’s an extra stock grant for you. A small one. It’s roughly 22K (gross) worth of stocks, vesting in 4 years. It’s an extra 5.5K CHF per year (assuming our stock price stays constant over time)

Btw, the yearly bonus, in “naked numbers”, is 26K (gross) CHF. Enjoy!

Holy (spread)sheet! It’s dramatically awesome. It’s terrific. Btw, what about the other news, the one I’m waiting for…

Check your inbox 🙂

Ok, cool, thanks.

Inbox:

Dear RIP,

Good news, your request to change your work week has been approved. You’re all set to go.

We’re happy to confirm that, effective 01-01-2017, your total working hours will change from a 100% full time basis to a part-time basis at 80% of the full time hours set out in your employment contract.

Thank you so much Hooli, you’re really the best place where to work.

Thank you!

So, guys, it’s official now. I’m left with 3 more Fridays to work and then, probably, I’ll never work again on Friday.

Never.

Well, it’s not actually true, since thanks to Hooli’s awesomeness I can trade my Friday with another day of the week, each week if I want (assuming it doesn’t negatively impact my team). Plus I’m not aiming to “not work” when I’ll be FI. It’s just that I’m left with 3 more Fridays of mandatory work.

That feels just great.

In theory.

Because right now I’m scared. I saw the pay cut. Ouch. It’s around 30K gross on base salary (+6K on expected bonus). I’m scared I’m paying so much to… to do what? To just fuck around?? Oh my god I’m going to become poor and lazy, watching television all day!

Relax.

Breathe.

Let’s take a look at the actual situation:

  • I’ve worked 90% in 2016 and my NW increased a lot even with the 27 business days of unpaid leave.
  • I’m going to work 80% in 2017 and salary doesn’t scale that way: 80% of the gross is not 80% of the net. Thanks to progressive taxation I’m going to earn more than 80% of my current net salary. Say 85%.
  • Some benefits don’t get reduced. I’ll keep getting health supplement for me and Miss RIP in full. It’s ~700 CHF gross per month, not prorated.
  • Stocks will keep vesting as before. They make ~30% of my salary and this is not prorated too!
  • I got a 2% base salary increase for 2017.
  • My performance for 2016 were just “ok”. I may focus on exceeding in 2017. I have colleagues that have been promoted after switching to 80%. Expectations scale accordingly. Tons of studies show how working 30-35 hours improves your productivity density.

Given all the above I’m pretty sure I’m not going to perceive it. I’ll earn roughly 95% of what I earned in 2016 (which is a 90% year).

image from: nolingo.se

There’s nothing to fear.

Time to enjoy these 52 extra vacation days 🙂

Next: how to use this extra time I purchased back?

 

… A story for another post 😉

November 2016 Financial Update – I’m Billionaire!

Hi RIP voyeurs,

relaxislaNovember 2016 is gone. Typing these words from Isla Mujeres in Mexico, with a sheetty internet connection but an amazing view and ~30 degrees Celsius. We’ll be back in Switzerland in few days where the only thing that won’t change will be the 30 degrees. Just… Fahrenheit!

As end-of-month routine I’m here showing my numbers and I’m really (positively) surprised by them. I thought saving rate would be bad this month and progresses would be minimal but, luckily, that was not the case. The market reacted incredibly well to the Joker election in the Divided States of America and our Mexico unplanned expenses are being low.

The reference document for the following considerations is my Net Worth spreadsheet. I’ll post a screenshot every month in these financial update posts.

Overview

november2016

Last month, despite a bad saving rate, we grew by a solid +13.3K EUR. I was wondering for how many months can we keep growing in the 5 digits world. The market is going to crash, the dollar is going to depreciate, my not yet nicely balanced portfolio is going to show its weaknesses et cetera.

No, November 2016 is the second best month on record by NW increase: a staggering +22.3K EUR! For the records, best month so far has been January 2015, when Switzerland unpegged the Swiss Franc from the Euro.

More important of all… I’m billionaire!

itleurok

In Italian Lira 🙂

…But apparently not for Google.

itleurono
Whaaaat?? Please, can someone fix gugol?

Reasons for this amazing performance? Here are the major wins for November 2016:

  • Euro dropped, Dollar skyrocketed again (pure luck).
  • Great investments’ performance, especially the S&P500 fund (facilitated luck).
  • Low expenses both in Switzerland (first two thirds of the month) and in Mexico (last third of the month). Almost 70% saving rate (merit).
  • I got another unexpected550 CHF bonus at Hooli! Nice! It will be credited in December (merit).
  • Another taste of freedom, traveling and relaxing in Mexico – more on this will come (planned).
  • Few potential tenants are interested in my Milan apartment. I see high chances of finding a tenant during December and having it rented out by January (luck).

Losses of November 2016:

  • I don’t see any. Well, Mexico trip was simply awesome and I’ll write about it soon-ish, but [Spoiler Alert] getting robbed, breaking a tooth, losing a flight and a luggage… well, that could be considered a loss!

Other facts:

  • Pillar 2 Buy in of 20K done.
  • 80% part-time request at Hooli is ongoing. Filled all documents, got manager and director approvals, need to wait for HR. Requested to start in January 2017. Let’s cross fingers.
  • Switched health insurance provider for next year from Assura to Mutuel. From “Family Doctor” model to “Telmed”. Assura raised our insurances premiums and it’s no more uber-cheap. Given their sheetty service I’d rather spend few CHF more and get some quality. Plus, let’s experiment the telmed model, where you should always call their on-call doctor before physically going to a doctor. I think I’ll write a dedicated post about Swiss Health Insurance System (added to the infinite TODO list).

Incomes

Income for the month was 16,729 CHF (cell N55), an above average month essentially due to stocks vesting.

  • ~9,000 CHF my base net salary.
  • ~4,500 CHF stocks vesting.
  • ~2,200 CHF my Swiss pension Pillar 2 contributions.
  • 1,000 CHF Miss RIP contribution to shared economy.
  • 50 CHF Sold a used Machine Learning book to a colleague. I’ve plenty of valuable books that I don’t want to own anymore. I may sell them all. Is anyone interested in the whole Game Programming Gems series? 🙂

Total income in 2016 so far is 164,839 CHF (cell P55).

Average monthly income in 2016 so far is 14,985 CHF (cell R55).

Forecast for the end of 2016 is still ~190K CHF. Thirteen month, stocks vesting and bonus are coming in December! Expected ~25K CHF. No impact on NW forecast, since I’m already accounting for these credits (row 32).

No target set by end of year.

Spendings

Total expenses for the month were 5,211 CHF (cell N56). Not that bad! Wait… I know it’s A_LOT but I thought I’d be above 6.5K, considering Mexico trip third tranche of expenses (Hotel in Isla Mujeres and all the food/gifts/tips/other expenses for the two weeks).

Here’s the detailed list of expenses (in CHF):

  • swantowel2613 – Travel & Transportation (Local, Trains, Planes):
    • 2390 – Mexico trip. Major expense here is 1609 CHF for the luxury hotel in Isla Mujeres. 7 nights, roughly 230 CHF or 220 USD per night. Very expensive. But you get swans out of towels… What’s left (~800 CHF) is for food, beverages, some entrance fees, tips, gifts and money stolen. Total Mexico trip expenses so far are ~6.8K, spread over 3 months. Expected close to 10K, so I’d say it’s ok.
    • 176 – Local Transportation. 165 of which are for my Swiss Halb-Tax abo renewal and 11 for local trains/buses/tram. I was covered by last month delayed monthly pass till Mexico trip and Miss RIP switched to annual pass. Very cool!
    • 32 – Gas. We used Miss RIP’s car while in Milan, for secret project X.
    • 15 – Tolls. Italian highways…
  • 1440 – Flat rent (1300) and condo fees (140). Business as usual.
  • 442 – Health Insurances (mine 213, Miss RIP’s one 229). As I said, we’re switching to a new provider and it will cost us more. In the range of 240 CHF per person (current raised our premiums to ~225-230 CHF). Good news, we lowered Miss RIP premium (it will be same as mine) from December on, due to accident insurance covered by her employer. We should have done that several months ago though…
  • 126 – Utilities & Phone.
  • 113 – Grocery. Ridiculously low grocery bill. We consumed what we had sitting in our fridge/pantry and survived with few grocery trips.
  • 100 – Cleaning Lady. A single 4 hour visit this month.
  • 100 – Clothing. I purchased a pair of high quality winter shoes I planned for something like… 2 years?
  • 99 – Dinners Out. There’s actually no dinner in this list. A brunch, few visits to fast food while in Italy and an expensive Raclette & Fondue cheese purchase for a special dinner at home with good friends. I consider them in this category rather than “grocery”. Raclette and Fondue are awesome. I love them!
  • 91 – Housing. Condo fees in Milan apartment.
  • 55 – Health. Few medicines.
  • 15 – Leisure. Few small purchases like videogames & post cards.
  • 12 – Fees. Mostly bank fees.
  • 3 – Gifts. Finally a month with almost no gifts. Gifts expenses in Mexico are not included here though.
  • <5 – Not tracked. Almost perfect.

Without Mexico we’d be below 3K, which is my “perfect expense amount” given current conditions. Awesome!

Total spending for 2016 so far is 55,364 CHF (cell P56).

Average per month: 5,033 CHF (cell R56). Still above 5K per month but I guess December will bring us below.

Forecast for End of year: 60,397 CHF (cell S56). Not scared anymore. We’ll make it for sure below 60K.

Target for End of the Year: 59,000 CHF. Let’s be aggressive. to reach 59K we have 3.7K expenses left for December. We have already paid for the December train tickets to Milan (16-18 and 24-27). We don’t plan having other extra-large expenses. We’re not going anywhere for end of year (friends will come visiting us). We can make it.

Savings & Saving Rate

Total savings for November are 11,518 CHF (cell N57). High income month, not very high spending… wow, 11K saved!

Yearly savings so far are 109,475 CHF (cell P57).

Average monthly savings are 9,952 CHF (cell R57). Getting back close to 10K per month, next month we’ll destroy that wall!

Forecast for end of year say 119,427 CHF (cell S57). But I bet on 10K more than that 😉

Saving rate for November is 68.9% (cell N58). Back on track!

2016 saving rate so far 66.4% (cell P58). Small improvement respect 66.1% of October. The platinum badge in Mustachian Post’s ranking of bloggers saving rate indexes is still far but not technically impossible.

Target saving rate for End of the Year 70%. To achieve that we should spend less than 2.5K and earn more than 25K in December. It’s a 90% saving rate, pretty tough. Spending ~4K with the same earnings would result in a 69% Yearly saving rate. Anyway, let’s aim for the stars!

Net Worth

Net worth at the end of the month is 528,261 EUR (cell N39 or P39). I had less than 400K at the beginning of this year… Wow!

Delta for November 2016 is +22,293 EUR (cell N40). Best month in 2016!

Delta Percent November 2016: +4.41% (cell N41).

The logo of this blog changed accordingly:

from

riplogo50-60

to

riplogo52.83

With a long jump of +2.23% toward the (cheated) big goal.

Net Worth cumulative 2016 Delta so far: +145,747 EUR (cell P40). It was last month’s forecast by end of year!

Net Worth cumulative 2016 Delta Percent so far: +38.10% (cell P41).

Forecast end of year 2016 Net Worth: 541.5K EUR (cell S39), +159K EUR, +41.57%.

Target for End of Year: ok, I’ve reached my Billion Lira and there’s still a month left. USD and Mr Market will surely crash… let’s more or less stick with the forecasts. 540K EUR.

FIRE

Forecast for 100% FIRE: 36 months left (-4 months), i.e. forecast Fire Date is December 1st 2019, (cell T20). What? 3 years left? I cut 4 months in compared to last month! Well, let’s be honest: my investments are doing great so far but I don’t expect them to keep running at that pace. Plus, within these 3 years I’d like to slow down at work (waiting for 80%) and maybe RIP family will grow and need more house space. Maybe we’ll also review the actual “Million Euro” FU Number a little bit… Anyway, it’s exciting to track FIRE date and see it getting closer and closer each month!

Current Monthly allowance: 1,467 EUR (+62 EUR, cell T26). It represents how much I could withdraw indefinitely per month (at my desired WR) in case I decided to call myself FI today. This month I created another 62 Euro per month, forever!

Current Withdrawal Rate – Real: 10.61% (-0.35%, cell T29). This represents the WR I need to support current spending regime with my today’s NW. It finally got better this month because we increased our NW more than the actual yearly spending forecast.

Current Withdrawal Rate – Ideal: 6.31% (-0.28%, cell T32). This represents the WR I need to support my desired spending regime (lower than current, since I plan to retire in Italy and not in Switzerland) with my today’s NW. This went down, since ideal expenses didn’t go up but our NW did. When this number will match the desired WR (cell T11) we’ll be FI 🙂

Next Steps

Before the Mexico trip I left few bureaucratic things undone and I’m catching up with them. Things like Italian property taxes, health insurance change, internet provider analysis… Time to tackle bigger TODOs.

Investing

  • Pillar 3a ~6.7K CHF. Need to find the right Pillar 3a where to invest. I don’t want to keep up with my crappy saving account (UBS Fisca). If I can’t find a better alternative I’d go for a saving account at PostFinance, where I have the shared account with Miss RIP and EUR&USD accounts. I don’t like the ETFs based Pillar 3a funds due to purchase fees, high TERs and the fact that they invest mostly in Swiss stocks. Plus, I may take the money out of Pillar 3 in 3-5 years so it may not be worth investing in crappy & volatile products.
  • Stocks & ETFs – Strategy. I need to take time to think about a diversification strategy and, in general, an Investor Policy Statement (or IPS). Fiscal news say that today, in Switzerland, distributing is better than accumulating for funds holding securities traded in the US markets (due to dividend withholding claimable by a DA-1 form). Someone says that “world” based funds are better than manual diversification with few ETFs – but they have higher TERs. Someone says that the more the better (I have a friend that owns a lot of different ETFs). Someone says small caps are better than large caps. Someone says you can’t live without emerging market… A lot of information that needs to be processed and decisions that must be made. Ideally by end of the year. It’s still ok by end of January 2017, since I’ll get yearly bonus and want to invest it heavily.
  • Stocks & ETFs – Numbers. I plan to have roughly 50K available to be invested by end of January 2017. December and January earnings will be huge (25K each). I plan to diversify by investing more, i.e. minimize selling current assets (but I’ll surely cut half of S&P 500 Tech ETF, row 7 of my NW) in favour of differentiating by buying other assets with freshly invested money.

Simplifying

I currently have account on 2 Swiss banks: UBS and PostFinance. I opened a UBS accounts family (a checking, a saving, a rechargeable credit card and a Pillar 3a saving accounts) on day 2 in Switzerland, back in 2012. I went there because they had special offers for Hooli employees. Two years ago I opened another position at PostFinance (a shared account with Miss RIP, a personal checking and saving account for Miss RIP, a USD account and a EUR account). I’m fine with that but I’d rather handle a single bank. Everything would be simpler. I’d like to close my UBS position, since it’s costing 10 CHF per month and providing nothing special. No rush, but I’d like to do that in few months.

Problems:

  • few ebills (health insurance, electricity, phone, internet) go directly to UBS, need to change that.
  • I have a Pillar 3a account with them. Need to transfer that to PF. Not sure how it works.
  • My only “credit-like” card is with UBS. Need to get a card from PostFinance or, like most Swiss do, get a Cumulus credit card with zero yearly costs and a personalized picture on it, cool!

Others

I got contacted by several people interested in my apartment in November. Few of them disappeared but a couple of them are still interested. Renting it out would be great. I’ll invest some time to get this done.

Project X (still secret) needs to be resumed after Mexico, need to invest energies there too.

Blogging Update

I had to slow down with posting in November, too many other things to do (aaaand 2 weeks in Mexico). I must admit I can’t write as much as I would like, for now. Life is too complex these days. I set the goal of writing one article per week (or 2 if I manage to make them shorter).

Anyway, even if I don’t publish I still see traffic on my blog, which is both awesome (people like what I write) and awful (I want to write more and I don’t have time).

I’ve been contacted by people asking for my help, which is what makes me feel so good about what I’m doing with retireinprogress. I had more joy thanks to this blog in 5 months than in 15 years engineering career.

I’ve been added to a monevator list of FI blogs after few people protested for my absence from the first draft. What to say… read the previous sentence about joy. Since then visits to my blog spiked for a while. Again, both awesome and awful. I want/need to do more!

hey RIP, how was your Mexico trip? I just came here to hear about that.

Oooh, I was missing you my friend! Keep following, Mexico trip report is coming next week 😉

That’s all for this month!

How was your November?