I didn’t think I could run

One of my goals this year was to run a mile without break.  I was always fast. I played soccer growing up. But running came to me in burst. I could never do distance or time. I’d spend an hour on the steps or the elliptical easily but on the treadmill, I’d just walk. I […]

Porto Update – Q3 ’19

We’re still decent YTD – up 13% to S&P’s 18.82%. Our stock to bonds splits at 80% to 7%. Our holdings continue to be in index funds – VTSAX/VTI for our non-retirement/taxable accounts and US Stock Index Funds provided by our 401K providers – these will not change. We increased our cash reserves (VMMXX) to a […]

Porto Update – Q2 ’19

Our YTD numbers look good. We rode the market that’s up a magnificent 18.25% YTD. While our 13.57% YTD increase still trails by 4+%, we’ll take what we got and carry on with our Bogle ways. Our stock to bond split stands at an aggressive 83.18% to 7.91%. Almost all our stock holdings are in […]

Porto Update – Q1 ’19

If you’re a Boglehead, you’re probably up 10-13% YTD. We continue to track the S&P 500 through both our retirement and non-retirement accounts. We trail the market by 3% — 10% to the S&P 500s 13%. Our stock to bond split stands at 79% to 8.81%. The rest sit in VMMXX that we call our […]

Porto Update – Q4 2018

Happy New Year, Friends. We hope you had a wonderful 2018 (despite the recent slip) and hope future years are steadier. As for us, we were diligent savers this year. We lived on one income and saved the other (more or less). We maxed both our Roth IRA and 401K accounts, and while we don’t […]

what gofi has in mind for 2019

A sharp mind and a healthy body, in short. I’ll walk, read and write. In 2019, I want to be able to run a mile without break, be leaner than I am We’ll hike, the Mrs. and I – 3 14er’s the goal We need to learn to love the outdoors. In 2019, I want […]

The hair of the dog (that bit you)

The remedy, Mrs. Gofi exclaimed, is that I give it a shot. For all our growing years, most of us know what it is about us that makes us, us. Few fortunate folks are tall and slender. A few look intelligent, which is a real tragedy when they’re not. Few look scarred, in a raggedly […]

Where we are on Kids

We are in our mid 30s and we’re thinking of kids. In many ways, it’s looking like writing a paper a day before it’s due. This is the year to have one if we want one, my wife tells me. I’m not sure about next year, she says. She would know. She’s a neonatal nurse. […]

Porto Update – Q3 2018

We are a two income household. We try to live on my income and save my wife’s income. We’re looking to max our individual retirement accounts for the first time this year. We maxed our Roth accounts early this year, and will max our 401K next month. In all fairness, this is only the third year […]

Jeff, the Millionaire Custodian

Jeff’s obviously frugal, but the guy’s bright in the best of ways – rooted to the ground, and fully aware of where he stands and where he can be. Jeff confirms the basic FI tenets – always be investing, in low cost index funds, keep them there especially in the worst of time and be […]

Seriously, Amundsen –

My themes these last few days have been rather serious – Passion Akira Kurosawa’s Seven Samurai Aging Dr. Una Kroll I came across Ernest Shackleton last week. I spent the entire weekend reading on the heroic age of Antarctic Exploration. And how incredibly they lived – then Roald Amundsen and Robert Scott. Their struggles, and […]

Fire in the belly

A small town could steal a life. Dennis is a small town man. He’s lived in one all his life. He’s been to Florida a few times. New York is just a day away, but he hasn’t really felt a need to see it. He tells me that he’s never been on a plane. Dennis is […]

This is what I have

Exhibiting FI qualities, by circumstance and design, circa winter 2012. Remember that not getting what you want is sometimes a wonderful stroke of luck – Dalai Lama. ****** This is what I have On a hard floor lifted by air a sock here, a sock there and three bananas on a red bag In the […]

everyday life must do

I made this list a few years ago. Here’s where these stand today: No podcast at work: I listen all day. They keep me in line with all that’s there, or was, and stirs the mind. I’ll list my favorites on a separate post soon. Some of the FI podcasts I like are here. Low […]

Random Quotes

Some random quotes saved as draft many years back.  Edna O’Brien: I think by nature I am lonely, in that I wouldn’t be a writer if I were not lonely. I think most writers [are], if you read their letters and sometimes read some of their lives. I’m not recommending it, but I know one […]

Porto Update – Q2 2018

Our stocks to bonds split stands at an aggressive 81% to 11%. We started an emergency fund (VMMXX) late in the quarter. We will continue building it up until it equals a few months our expenses. This has temporarily halted our non-retirement investments. We continue to contribute towards our 401K and should max those by year end. We […]

Uber’s not for me

I drove Uber for a few days last year – just for kicks, and quickly realized my time was better spent elsewhere. I drove for 8 hours, spread across 4 days and made $151. Shockingly, only 3 of the 17 riders tipped.  The tippers included a nice lady from New Mexico, a younger woman from […]

Some of our favorite FI blogs and FI podcasts

Our lives are better, and will be – a lot has to do with what these have done. Some that are just nice to listen are here. Our favorite FI Blogs: Financial Samurai Mr. Money Moustache JL Collins WhereWeBe Go Curry Cracker My Money Blog And Podcasts: Dave Ramsey Stacking Benjamins Mad Fientist Clark Howard […]

Porto Update – Q1 2018

Asset Allocation, Q1 2018  (as of Apr 18) The spread between our taxable and tax-adv accounts currently stand at 61% and 39% respectively. Since we will not be accessing our tax-adv accounts until later in life, we are comfortable with this mix at the moment. Our stocks to bonds split stands at a moderately aggressive […]

Conversations with Mrs. Gofi

Do you want to go the mall tomorrow? Sure, it’s been a while. Great, it’ll be fun. But lets not buy anything. I know. Next time don’t say it before we go. (We actually don’t keep it too tight. Just in case you’re curious, out clothing expenses are included in HomeExp. We averaged $434 a […]

The Alternatives –

   My wife had a conference call with her sisters a few days back. Someone they know had recently made good on Bitcoin and was celebrating in Hawaii. We could’ve been in Hawaii, she tells me. We could’ve paid off the house. Looking back, I’m not sure if missing the bull was all that […]

Our $35 wedding needs more telling –

My sisters are visiting us over thanksgiving. How long are they staying with us? Three days. Can they sleep on the floor? ** Earlier this week, we documented our $72 K savings goal for next year. Our plan is to max our retirement accounts early, then hit our taxable accounts. We’ll be on a tight […]

My Money Map, Sir!

Would you do this if you had a million dollars?, asked my wife as she came home from work this morning. Yes I would, I tell her. How about ten million? Yes, I would. I’m going to sleep now, you incorrigible boy. But this, the official money map chain gang, is a wonderful exercise. Thank you Apathy […]

Middle Class or Middle Income*

A surge of articles on “middle class” hit my Feedly yesterday. I grew up in a middle class family, without quite knowing what it was. My father made sure I had everything I needed – but that was probably because I didn’t ask for much. I remember asking my Economics teacher back in high school […]

Minimalism, in a few things 

Our lifestyle shapes our financials. We like our space light and airy. Our room is all space and a mattress. Welcome to our Crib! Our clothes dry in the sun. We’ll slip those in the dryer now that winter’s near. For vacuuming, we use this. Fellow readers, if you can show me how I can become an affiliate […]

CAGR Calculation

There’s a lot to learn from a poor portfolio. With no aptitude or the time to play the market, my best move was to move away from it*. I’ve since migrated to Betterment and Vanguard to much healthier results (more on that on a later post). Of late, I’ve been thinking about liquidating this portfolio to […]