Recycles dryer sheets
- About NoiseBoy
- IT Professional
- Retirement Year
- My username refers to my weekend warrior hobby of setting up and operating sound systems for local bands. I feel fortunate to have a hobby that actually pays for the gear I use as long as I'm willing to "donate" my labor to the cause.
- 2008 and 2009 were a real wakeup call for me. Up until then I was living within my means, contributing to my 401(k), and living my life more or less assuming that my job was secure and I would retire whenever the pension numbers looked right. Well, the market drop in '08 caught my attention, and then my megacorp announced layoffs in my division for the first time in my career. While I managed to avoid a long term layoff, the experience changed my assumptions about my financial future. In 2009 I started tracking my spending to see where my money was going and I doubled down on paying off my mortgage because, after looking at my numbers, I decided that I could get by with a lot less income if I didn't have to make a mortgage payment. Today my goal is to save 40% of my gross income towards retirement each year and to balance that goal with the knowledge that the future is not guaranteed so I need to live my life too.
- 60/30/10 on 2021-01-04. Speculating with 4.5% of the 60%.