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Time in the market
Financial Independence, finance, investing, savings rate, stock analysis, stock picks, side hustles, asset allocation, retirement strategies, benefits
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Net worth:
United States
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

We’re moving into Q3 earnings season now with a solid 2nd quarter behind us. Solid earnings lead to solid performance as the S&P 500 is up nearly 10% YTD which has meant good things for our portfolios. According to Factset, for Q2 2017, the blended earnings growth rate for the S&P 500 was 10.3% which […] ...
Posted: Sep 10 2017 @ 8:41 AM
I’m not a huge traveler but I do like to get out and about every so often. I’d like to two vacations a year, maybe more if the trips are more local. It was actually one of my Goals this year as well! I thought it’d be cool to document some of my trips here on my […] ...
Posted: Sep 09 2017 @ 11:12 AM
Last month I saw a 22% bump in my dividends and I’m hoping that can continue this month. Both July and August are slow months for me and my dividend employee Steve but we’re into September now which is one of the four big months four me due to my mutual fund and ETF exposure. […] ...
Posted: Sep 03 2017 @ 8:37 AM
I’m back from vacation and taking a quick looking at my savings rate in July. I had a rough month in June and knew that my August wouldn’t be great either due to the vacation and some other expenses so I tried to hunker down and spend less in July. I was glad to see […] ...
Posted: Aug 27 2017 @ 6:21 PM
Earnings season continued to accelerate this month with more than 90% of S&P 500 companies reporting Q2 results by now. The news has been largely positive as Q2 growth rate has come in at a solid 10.2% and will likely beat the 6.5% projection I referenced in my last portfolio update. Revenue growth was solid […] ...
Posted: Aug 13 2017 @ 10:00 AM
The awesome record breaking(outside of December) total I saw in June is behind me and now I’m back to an off month in July. All of us ETF holders are used to big payouts quarterly and lack of payouts outside of those months. I’ve been adding a bit of cash to my bond funds in […] ...
Posted: Aug 05 2017 @ 12:56 PM
May was pretty mediocre when it came to my savings rate. I was expecting June to put me back on the right track as it was a three paycheck month but that didn’t quite work out for me. Getting married is expensive. I have a separate post around the cost of engagement rings and marriage […] ...
Posted: Jul 31 2017 @ 8:56 PM
Q2 earnings season is upon us and the first few reports have been decent but it is way too early to know whether the expected growth rate of 6.5% is realistic. Q1 results were strong and if that continues through the end of the year then we could be in for more solid performance in […] ...
Posted: Jul 10 2017 @ 12:33 PM
June was a very busy month for me. Not only did I get engaged but we also spent a considerable amount of time looking for houses. In fact, we just made an offer on our potential first home today which is both exciting and stressful. I’ll write about that process another day and what it might mean […] ...
Posted: Jul 04 2017 @ 8:49 AM
Health expenses are really easy to underestimate and I think that’s one of the biggest worries I’ll have whenever I actually make the decision to quit the work force. It’s not just the insurance premiums that will be a bother but also the deductibles you have to meet before coverage kicks in. Both are sure […] ...
Posted: Jun 19 2017 @ 6:20 PM


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