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Blogger Profile


FIRE Millennial

Blog Info

Name:
Financial Independence For The Millennial
Category:
Millennial
Tags:
Budgeting, Saving, Investing, Index Funds
Start Year:
2016

Blogger Bio

Net worth:
Location:
Oakland, California, United States
Age:
30s
Race:
White
Gender:
Male
Life stage:
SINK (Single Income, No Kids)
Profession:
Transportation Planner
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Latest Blog Posts

Income: $3,597.03 Savings: $195.79 Investments: $1,981.92 Expenses: $3,089.85 Rent/Utilities:$1,224.95 Groceries: $392.20 Transportation: $63.90 Climbing/Gym: $79.00 Eating Out: $58.58 Libations: $359.16 Entertainment: $81.83 Laundry: $8.00 Speculation: $248.23 Governmental Fees: $574 Net Worth: $78,008.27 (+$3,771.96 or +5.08% of NW) Cash: $30,083.73 Pension: $10,524.74 Roth IRA: $14,790.18 401k: $20,250.38 457b: $286.23 Taxable: $1,348.21 Savings Rate: 43.72% (37.30% YTD) % to FI: 6.05% (+0.30%) 4% SWR: $157.33 Notes General It’s crazy, how the month can start with the California franchise tax board levying my bank account for $550, and $500 of side-hustle work can materialize to offset that governmental penalty. Yes, I messed up and ...
Posted: Nov 03 2017 @ 1:46 PM
Income: $2,787.06 Savings: $29.41 Investments: $1,960.80 Expenses: $3,410.79 Rent/Utilities:$1,185.08 Groceries: $309.17 Transportation: $120.85 Climbing: $83.00 Eating Out: $171.92 Libations: $539.14 Entertainment: $34.09 Laundry: $4.00 Crypto Currency: $153.14 Robin Hood: $125.00 Gifts: $122.87 Other: $685.40 (Annual CC Membership + Flight Home) Net Worth: $74,348.30 (+$2,775.04 or +3.88% of NW) Cash: $29,966.33 Pension: $10,100.06 Roth IRA: $14,475.65 401k: $18,417.65 457b: $205.82 Taxable: $1,319.60 Robinhood: $111.99 Crypto: $474.87 Savings Rate: 27.50% (36.66% YTD) % to FI: 5.75% (+0.31%) 4% SWR: $148.40 Notes General This month… this month felt like a whirlwind from a personal finances perspective. My outlook on finances and investing is shape-shifting a bit, which has ...
Posted: Oct 02 2017 @ 12:03 PM
Howdy y’all! I just wanted to quickly share something rad, I got a flight from San Francisco to Miami for dirt cheap. Last minute planning for flights home include purchasing tickets for that flight home, 2 – 3 months in advance. Typically, I’ll look for plane tickets about 4 months or so, to get the best price. However, a recent wedding invite and the Thanksgiving holiday a week later, meant that this rule ...
Posted: Sep 08 2017 @ 1:38 PM
Income: $2,743.34 Savings: $25.88 Investments: $1,960.80 Expenses: $2,757.35 Rent/Utilities:$1,161.83 Groceries: $323.93 Transportation: $51.67 Climbing: $83.00 Eating Out: $206.35 Libations: $442.63 Entertainment: $229.73 Laundry: $8.00 Crypto Currency: $308.46 Net Worth: $71,573.26 (+$2,013.19 or +2.89% of NW) Cash: $29,966.33 Pension: $9,672.57 Roth IRA: $14,127.79 401k: $16,386.82 457b: $128.25 Taxable: $1,291.50 Savings Rate: 39.19% (37.79% YTD) % to FI: 5.44% (+0.24%) 4% SWR: $138.69 Notes General This was just one of those months where I cut loose! If you take a look at my expenditures, it might look like I went wild, however, $300 of those expenditures include my purchase of Crypto Currencies. More ...
Posted: Sep 05 2017 @ 5:09 PM
Let me put my cards on the table: I bought cryptocurrency. I am now a speculator. With that out of the way, I purchased some coins that aren’t just Bitcoin. Why? Fear of missing out. FOMO. Simply, I think this is my generations version of striking gold, or finding oil. This has the potential to be a major game changer. I want to experience something that the next generation is talking about, and is most likely ...
Posted: Aug 10 2017 @ 2:25 AM
Income: $2,687.50 Savings: $17.63 Investments: $1,895.28 Expenses: $2,777.82 Rent/Utilities:$1,156.81 Groceries: $426.25 Transportation: $613.75 Climbing: $163.00 Eating Out: $116.80 Libations: $274.22 Entertainment: $9.99 Laundry: $12.00 Gift: $5.00 Net Worth: $69,560.07 (+$11,372.06 or +19.54% of NW) Cash: $29,992.93 Pension: $9,244.04 Roth IRA: $14,104.93 401k: $14,883.14 457b: $48.80 Taxable: $1,286.23 Savings Rate: 38.43% (37.59% YTD) % to FI: 5.20% (+0.28%) 4% SWR: $131.89 Notes General This month was… a whirlwind! I turned 31, went on an extended climbing trip, and totaled my truck while on the road! The details. Climbing I went on an epic climbing road trip this month in honor of my birthday! Last ...
Posted: Aug 01 2017 @ 12:20 PM
Income: $2,218.92 Savings: $17.32 Investments: $1,845.28 Expenses: $2,499.69 Rent/Utilities:$1,161.82 Groceries: $416.15 Transportation: $190.69 Climbing: $286.90 Eating Out: $123.62 Libations: $217.36 Entertainment: $9.99 Laundry: $8.00 IRS: $236.00 Certified Mail: $6.59 Net Worth: $58,188.01 (+$1,951.53 or +3.47% of NW) Cash: $21,192.49 Pension: $8,851.70 Roth IRA: $13,826.03 401k: $13,056.24 Taxable: $1,261.55 Savings Rate: 33.55% (37.46% YTD) % to FI: 4.92% (+0.20%) 4% SWR: $123.32 Notes General June was one of those months where I loosened the belt a little bit to have more fun. Honestly, if it weren’t for a new piece of climbing gear and having to pay extra taxes to the IRS, ...
Posted: Jul 13 2017 @ 12:23 PM
Income: $4,227.03 Savings: $1,603.57 Investments: $1,117.99 Expenses: $2,309.77 Rent/Utilities:$1,157.02 Groceries: $350.26 Transportation: $300.05 Climbing: $103.49 Eating Out: $110.16 Libations: $189.71 Entertainment: $9.99 Laundry: $8.50 Eye Care: $38.12 Gifts: $50.97 Net Worth: $56,236.48 (+$3,258.45 or +6.15% of NW) Cash: $21,412.14 Pension: $8,464.16 Roth IRA: $13,719.35 401k: $11,390.11 Taxable: $1,250.72 Credit: -$2,411.91 Savings Rate: 54.58% (38.24% YTD) % to FI: 4.72% (+0.33%) 4% SWR: $116.08 Notes 457b Took the plunge and set up a minimal monthly contribution of $50 (for now) to the 457b fund. I’ll be investing into a Bond Index Fund to start creating a bit of exposure to that market. I ...
Posted: Jun 01 2017 @ 12:05 PM
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Posted: May 28 2017 @ 1:49 PM
I might only be scratching the surface of 5% to financial independence (FI) [as of May 2017], but today I sure feel like I’ve reached FI. This fine workday I’m calling in sick. You know, for mental health purposes. To go climbing in South Tahoe with a friend that will be out-of-town for a few months. This morning, as I was packing lunch and climbing gear for the day-trip, I realized that making the choice to spend ...
Posted: May 28 2017 @ 1:49 PM

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