Here’s Why I Don’t Need a Financial Advisor

I had a couple of millennials on my team during my Manager/Leader years, and they are a completely different than my generation in the best possible way. The speed and efficiency with which the millennials can process complex technical information that boggles my mind. They are blank slates and their brains are like sponges that absorb all kinds of information and stimuli. We all have to be conscious to filter a few things that we say and do just a little bit, as most of us have twenty-plus years of experience and these folks have just three. They do take things at face value and yet don’t have the experience to read between the lines or learn how to filter some of the chatter that goes on. I’m happy to report, that this has not changed from the time some of us were twenty-somethings ourselves. I’ll leave working and training millennials alone for the moment as I’m still trying to develop best practices without sounding like a parent. There are exceptions though, and one of those topics that are covered in the theme of this blog. Continue reading “Here’s Why I Don’t Need a Financial Advisor”

Realignment and Recalibration Of a Happiness Meter

Time to fill the glass again

Having a birthday recently, I stepped up my game by consciously appreciating events, people, and interactions more. It’s a lot tougher than appreciating material things that one can see and touch. It’s a work in progress with plenty of room for improvement.

I’ve been saving this quote from a blog:
“Humans don’t prosper without a positive way to spend their waking hours. Children, family, exercise, and chores can take up a few hours, but without something else, it can be brutal.”

The quote comes out of this blog and I implore you to read it.
https://www.urgentcarecareer.com/2017/03/stories-of-an-early-retiree/

While this article focuses on retirement, it was pretty easy for me to re-align it to my very own happiness meter.  The financial part of retirement was an easy but long process.

Bottom Line #1.
Never during my quest for FIRE did any of my personal goals, planning, and financial models ever account for my happiness for myself or Mrs.Fromthebachrow.

That is why the quote above resonated with me. It’s what needs to get worked on while enjoying an encore career.

Bottom Line #2.
 The quote listed above helps connect another set of dots for me. If I keep connecting the dots, the picture of a well-lived life will eventually come into focus as I appreciate the process. 

Personal Finance Explained In Five Words

Personal Finance has different meanings to each reader and to some, the term is complicated and overwhelming. If you don’t read any further into this particular blog you can easily step off the page with this Plan and go about your other web surfing activities:
                       “Spend Less Than You Earn”

Continue reading “Personal Finance Explained In Five Words”

Saving Is a Simple Process

If you can’t go forward, go left

This week’s post will be an easy read. I am going to direct you to another blog that has a pretty cool savings/retirement calculator guide that works and is very accurate.
I’m throwing in the towel on the topic of FIRE because it’s covered so well by 1300+ other bloggers and the value that I add applies to a very small circle of influence. The 2nd-gen FIRE boys are well on their way, so keep your expense tracking and net worth sheets updated. Your efforts and diligence will pay you back, well before the 20 or so years that it took me. Continue reading “Saving Is a Simple Process”

The Year End Wrap Up

Happy Holidays.
Thanks for coming back and checking in on the blog.
You’ve probably been wondering why the regular posts have come to a pause. Well, I’ve been focused on a few other things for these past several weeks. I have been reviewing much of the blog content this time of year for a couple of reasons. Mainly to check myself to make sure that I am walking the talk. Nearly forty-four posts contain nuggets of hindsight, resources, and my version of a “bottom line”. Continue reading “The Year End Wrap Up”

Playing On The Tracks: The Origins of a Personal Escape Velocity

It has been exactly 30 years since we sold our townhouse in Skokie, IL, which we owned for less than a year, and moved to Massachusetts so that I could take a job in scientific sales & marketing. It was a significant risk for a “YUPPIE” couple that had been married for only a couple of years. mrsfromthebachrow quit her job for me to make the career leap to an area that would later become the biotech capital of the world. Did we comprehend the scale of picking up and moving in a very short period? Nope, didn’t have a clue, but the youthful exuberance and the quest to get out of a dead-end and toxic laboratory job motivated to act. After 30 years, I can now pause and reflect on parts of the experience since that risky repositioning. Continue reading “Playing On The Tracks: The Origins of a Personal Escape Velocity”