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Blogger Profile


PK

Blog Info

Name:
Don't Quit Your Day Job
Category:
General Finance
Tags:
Investing, Real Estate
Start Year:
2009

Blogger Bio

Location:
California, United States
Age:
30s
Race:
White
Gender:
Male
Life stage:
DIK (Dual Income, Kids)
Profession:
IT / Software
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Latest Blog Posts

The 401(k) is one of the best accounts to save a significant amount for retirement in the United States. 401(k) contribution limits are generous, and allow you to shield a healthy amount of income from taxes. However, the majority of people don’t contribute the maximum to their 401(k) – which leads us to ask: what […] The post If You Always Maxed Out Your 401(k) How Much Money Would You Have? ...
Posted: May 12 2019 @ 4:58 PM
The Individual Retirement Account or IRA is an excellent tax free account available to most American workers. Unlike 401(k)s, IRAs are completely portable and usually have fewer restrictions on the number of investments they allow. They unfortunately come with smaller contribution limits than 401(k)s. Still, most people don’t take full advantage of the accounts… so we […] The post If You Always Maxed Out Your IRA How Much Money Would You Have? ...
Posted: May 04 2019 @ 8:53 PM
One of the age old arguments in personal finance is the relative priority of earn more or save less. Since there are only two ways to increase your savings – earning more money or spending less of what you have – you do, unfortunately have to prioritize. Let’s pick up the gauntlet: should you focus […] The post Should You Focus on Spending Less or Earning More? appeared first on DQYDJ. ...
Posted: Apr 29 2019 @ 12:44 AM
One question we get quite a bit is related to the fundamentals of saving: is there a magic savings rate? In the past we’ve looked at the ideal savings rate. There we suggested 20% as a minimum savings rate, with the caveat you should save more if you can. Interestingly, there are also some magical […] The post What are the Magical Saving Rate Breakpoints? appeared first on DQYDJ. ...
Posted: Apr 22 2019 @ 1:38 AM
On this page is a body fat percentage comparison calculator by age for adult men and women in the United States in 2015-2016 and 2005-2006. It estimates distributions for both DEXA scan body fat percentages or hydrostatic weighing & caliper body fat percentage estimates. At home we use the cheap Accu-Measure caliper to track our […] The post Body Fat Percentage by Age Comparison Calculator for the United States appeared first ...
Posted: Apr 14 2019 @ 5:07 PM
Every year, “conveniently” timed with tax season, we remember that DQYDJ is ostensibly a personal finance site. Let’s turn tax-frowns upside down with a post on asset allocation here in in April, 2019. Why bother? It comes back to skin in the game – a phrase recently repopularized by Nassim Taleb. In his book with […] The post Asset Allocation in 2019 appeared first on DQYDJ. ...
Posted: Apr 10 2019 @ 2:05 AM
Every year, the “blessing” of tax season provides us the “convenient” opportunity to examine our personal financial performance in the previous year. And what is the most important marker of financial performance? I’m glad you asked – I’d argue it’s your savings rate. The input to this system is, of course, income. From income, there […] The post What Was Your Savings Rate in 2018? appeared first on DQYDJ. ...
Posted: Mar 30 2019 @ 6:25 PM
The yield curve has been in some type of inversion since December of 2018. In a yield curve inversion, longer dated securities yield less than short term debt. This turns risk on its head – in a well functioning debt market, investors should be paid more to lock up money for a longer time. While […] The post A Crucial Part of the Yield Curve Inverted 3/22/2019. What Does it Mean? ...
Posted: Mar 25 2019 @ 12:15 AM
Editor: Welcome Bryan back to DQYDJ for his first post in… a long time. Maybe we can convince him to write more often? Take it away… It’s not easy finding ways to squeeze every penny when we’re so engrossed in constant necessary daily activities. We’re no amateurs. We’re the ones that check our budgets, check […] The post Combining WiFi and 4G Data for Cheap Phone Calls appeared first on DQYDJ. ...
Posted: Mar 19 2019 @ 3:27 AM
Body Fat Percentage Notice On this page is a body fat distribution calculator for adult men and women in the United States in 2015-2016 and 2005-2006. It can estimate distributions for either DEXA scan body fat percentages or Caliper or Hydrostatic Weighing body fat percentage estimates. We use the classic $15 Accu-Measure caliper to track […] The post Body Fat Percentage Comparison Calculator for Men and Women in the United States ...
Posted: Mar 13 2019 @ 5:19 AM

Testimonials

"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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