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

My sisters are visiting us over thanksgiving. How long are they staying with us? Three days. Can they sleep on the floor? *** I’d like to set aside some money for when I go out with my sisters, she tells me. That, sexy girl, has to come out of the 2% we’ve allocated for recreation. You […]

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 […]

The need for relevance killed Gatsby, not love –

I read of Huntington Hartford of the now defunct A&P supermarket this weekend. Leading me to Hartford was an article that implied how inheritance and windfalls generally make less overall good to the inheritor (and by extension to the world) than to those who’ve accumulated their wealth over a long period of time. The grind and […]

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 […]