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  1. San Jose 5 Year Guy

    Personal Capital

    Yeah, I use Personal Capital every day. I wouldn't bother with any of their advisor / investing stuff, but it has a really simple / consistent UI for tracking cash flow and net worth, and for those reasons I recommend it. I track my savings (e.g. transfers into investment accounts) in its own...
  2. San Jose 5 Year Guy

    My mortgage must die

    I was using a fund mix of 60% bond and 40% stock, so in the event of a big market crash, I'd still retain most of the money. For me it was more about the advantage of having the liquidity than any market return I could get. I'd have that much more liquid in case anything worrisome happened...
  3. San Jose 5 Year Guy

    My mortgage must die

    When I paid off my mortgage, at first I made the extra payments, but then when I had around 6 months left, I wasn't 100% sure I wasn't going to just sell (for a bunch of different reasons). I saved money into a stock/bond fund, and once it got high enough I paid off the mortgage. If there had...
  4. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Time moves on. I've been able to produce a new video every day, but definitely some days are easier than others. Much better if I can get it out of the way in the morning instead of the evening... in the evening I slow down, and it's just harder to explain things clearly when I've already been...
  5. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    I started a YouTube channel. For 2018, I'm filming 1 video a day, discussing all the different aspects of building net worth. I think it'll benefit anyone who subscribes. :-)
  6. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Update. A little over 5 months after I finished paying off the debt. In that time, I've: 1) Visited my family on the east coast 2) Took a great hiking / gluttony vacation in the PNW in August. 3) Hermitted again for October. Completed 2/3 of my 401(k) contribution. November / December are...
  7. San Jose 5 Year Guy

    Navy Family Says, "Be Gone Mortgage"

    My sister was USNA 2005 in English. At the beginning of 2017, I decided to commit 100% of my savings to paying off the condo only until July. If I didn't pay it off by July, I'd have to slow down and pay into retirement. I planned it that way b/c I wanted to make sure the 2017 retirement...
  8. San Jose 5 Year Guy

    Anne's Mortgage payoff story: Stay focused on 8 year goal

    1. I break my goals down into 1 month, 6 month, 1 year, etc. For example my goal for 2016 became to get the mortgage below $50k. Having a specific goal that I could reach sooner was a lot more motivating. 2. I planned for periods of higher consumption. In 2017, I had a list of things I...
  9. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Called my bank and did the wire transfer this morning. B of A is now showing a $0 principal balance on the mortgage. Woohoo.
  10. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    I've been maxing retirement whenever I have the option. Many startups don't have 401k. The bay area giveth 20% more salary than US average, and the bay area taketh pretty much everything else. I've looked at rentals, but the numbers (ratio of net worth, percentage rental return, etc.) just...
  11. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Nothing super solid. Maybe get together some friends for sushi. I'll definitely be finishing the bottle of tequila I bought to celebrate closing on the condo 8 years ago. Most of my thinking is already around... what can I be excited about next? I chose to pay off the condo b/c it was an...
  12. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    It's great. I brought home 4 leftover burritos from work, and I wire the money Monday morning, so I just need to enjoy my weekend.
  13. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Payoff statement arrived today. Same numbers as the estimate ($46,058.77). In typical Bank of America style, the "We noticed you requested a payoff statement" mortgage refinance upsell arrived before the document I actually requested. Will be so glad when I'm rid of them. I think B of A is...
  14. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    11 days until I finish! I came across an interesting article last night, one that I think deserves more thought. Why Time Slows Down When We’re Afraid, Speeds Up as We Age, and Gets Warped on Vacation It discusses some of the mechanics around how we perceive time. What makes time go faster...
  15. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    ... and ... ATTENTION: Due to a clerical error the "Contingent Consideration" "Initial Deposits/Holdbacks" number reflected on the statement you received previously is incorrect. It has been updated to reflect your actual Contingent Consideration in this revised statement. We sincerely...
  16. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Today my horoscope said: Don't you dare ignore your phone or your email today! You might not be in the mood to talk with anyone initially, but you'll be amazed at how many people will be trying to contact you -- and at how many of those communications will arrive from a long-distance place. You...
  17. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Randomly got $2630 from the startup acquisition deal. Apparently, it was a complicated deal and I'll get 2 more payouts sometime in the next 3 years. This puts me 2 weeks ahead of schedule! I'll be at 97% by this Friday! About $45k/$46k. Woohoo!
  18. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    hooray, paycheck. $40,533 saved of $46,948 balance. I've been pretty disciplined in March and April, but I can feel myself getting tired of it. I can also feel a kind of "senioritis" - the finish line is so close, it almost feels like I'm already finished, and I don't have to try as hard...
  19. San Jose 5 Year Guy

    Jan 27, 2016 To May 15, 2017 [Paid Off!]

    Small update. Salary bumped $3k per year. Maybe $66 more per paycheck, $130 per month. As a percentage of my spending it's like 7%. But as a percentage of salary it's like 2%. Not life changing but helps against inflation. Annual review at work was positive, so got more stock option lottery...