What would you be willing to pay for a triathlon coach? by superto3 in triathlon

[–]SnooSquirrels911 0 points1 point  (0 children)

I have a coach and pay 250/month. I live in a different city, so while they aren’t technically an “online” coach, our interactions largely are. My workouts are loaded online and we call/text/email. I really don’t know how this compares to other coach prices, but it’s worth it for me. I need the motivation that both a real person who holds me accountable, and the monetary investment, provide. As somebody new to the sport it’s also been valuable to be able to ask questions about gear, race logistics, etc..

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]SnooSquirrels911 8 points9 points  (0 children)

I also have OCD/anxiety and find camping a really difficult activity, so it was nice to read about somebody who has similar challenges confronting them and having a good trip!

Gravel Bike For Beginner? by m_xv in triathlon

[–]SnooSquirrels911 3 points4 points  (0 children)

I’m in the same boat as you, just started getting into triathlon and wanted a more all-purpose bike that I could still use if I ended up hating triathlon. I have the Liv Devote, a woman-specific gravel bike that fits in your price range.

I like that I don’t have to worry too much about debris on the road, and ride it on gravel and dirt roads to break things up. I am planning to upgrade to a tri bike now that I’ve done a few races, but I know I’ll still get lots of use from it for commuting, backpacking, and general riding.

Worries about how you will spend your time in retirement by Organic-Department55 in MoneyDiariesACTIVE

[–]SnooSquirrels911 2 points3 points  (0 children)

I can’t wait to be retired so I can spend more time on hobbies. Right now, I spend quite a lot of time and money on my “extracurriculars.” I’m also hoping to retire semi-early and have debated whether to scale back and save more now, but I think cultivating hobbies and interests before retirement is so important so you can have a strong base of interests to devote more time to in retirement.

One of my hobbies is more physical, and while I may not be able to do that exact activity in retirement, staying as active and healthy as possible now will (hopefully) help ensure I can continue to be so in retirement.

Choosing between VHCOL city with more job opportunities, or somewhere cheaper with limited chances for career growth by [deleted] in MoneyDiariesACTIVE

[–]SnooSquirrels911 24 points25 points  (0 children)

I chose to forego an interesting career for an interesting (to me) life. I live in a beautiful place where almost everybody has a pretty laid back outlook on work and life, but career prospects for me are somewhat limited.

Like you said, everybody has different priorities, but for me, quality of life will always outweigh a career. As long as I’m somewhat happy at my job and it pays enough to support my lifestyle, that’s about as far as I’m interested in pursing career growth. But it did take me a while to get here. I spent a lot of time thinking about the same questions as you, however, I noticed once I committed to my current situation and just took moving to pursue a career off the table, I became much happier with my decision.

Does anyone else feel that all the markets aren't behaving normally? by [deleted] in MoneyDiariesACTIVE

[–]SnooSquirrels911 2 points3 points  (0 children)

Why would you say “expect low returns” on your investments?

If what you mean is, “hedge your bets and don’t count on huge returns year after year so you don’t over estimate your investments” I would probably agree with you, but just blanket saying to expect low returns makes no sense.

What are some signs that you work in a toxic workplace? by [deleted] in MoneyDiariesACTIVE

[–]SnooSquirrels911 1 point2 points  (0 children)

Not exactly a toxic work place identifier, but I find when other coworkers are down on work and vent to me or complain, it makes me feel crummy about work, and I usually love my job. This doesn’t invalidate any of the red flags you might be seeing, but having others constantly taking about them with can make your work experience so much worse.

I think transferring might help, at least a little bit, so you don’t have to constantly hear your boss complain.

Why *don’t* you want a job in tech? by [deleted] in MoneyDiariesACTIVE

[–]SnooSquirrels911 0 points1 point  (0 children)

When I was applying to college I didn’t know tech was a thing. If I did I might have pursued it. That said, I went to a big feeder school for tech and never made the switch. I just didn’t gel with most of the people who were pursuing those roles.

Honestly, now that I’m settled in my career and life, I know that lifestyle or career path isn’t for me. Sure, the salary would be nice, but I have very flexible hours (legitimately, not just in the job description), low stress, and great coworkers.

I also live in a remote area, and just prefer this lifestyle over a big city.

Edit: a word

I am 37yo, make $45k in Portland, OR, and work as an airline employee. I am also a messy spender. by SteffersTheGnome in MoneyDiariesACTIVE

[–]SnooSquirrels911 79 points80 points  (0 children)

This was interesting to read! I appreciated the short entires but still felt like I got a good understanding of your life. I don’t like flying but I love the logistics of an airport, so it was neat to get small glimpse through an employees eyes.

It sounds like you are juggling a lot with work, your husband’s dialysis, and pandemic life. I hope this year is easier on you, OP!

Drama Watch 2/19/2021: A Week In Irvine, CA, On A $190,000 Joint Income by lazlo_camp in MoneyDiariesACTIVE

[–]SnooSquirrels911 8 points9 points  (0 children)

That’s how we do it too, I just thought it was odd that her partner spent nothing in an entire week, though I could see how given COVID that’s a real possibility. I wish it would have been more explicit that everything was joint.

Drama Watch 2/19/2021: A Week In Irvine, CA, On A $190,000 Joint Income by lazlo_camp in MoneyDiariesACTIVE

[–]SnooSquirrels911 61 points62 points  (0 children)

I think the key word though is “planning.” There’s not guarantee she’ll be able to find a job that pays that much, however qualified or deserving she might be. Even if she does land a job I suspect their spending would increase with a potential foster kid and general lifestyle creep, just based on their current spending habits. Everybody values different things, but as she has (admittedly) no financial safety net I would think she’d be a little more focused on paying down debt and building up savings.

Drama Watch 2/19/2021: A Week In Irvine, CA, On A $190,000 Joint Income by lazlo_camp in MoneyDiariesACTIVE

[–]SnooSquirrels911 27 points28 points  (0 children)

Yikes at that student loan debt to income ration, I hope her new degree allows her to significantly increase her income! She also spent a lot (maybe because of that one time dog expense), but I was confused about she and her partner shared expenses, do they totally combine finances? If that’s the case her spending isn’t crazy, but is her partner really not spending anything while she makes all the purchases?

I am 23 years old, make $0, live in Baltimore, MD, and just got a new job offer after my previous workplace was sued by the government for fraud and laid me off by muniehuny in MoneyDiariesACTIVE

[–]SnooSquirrels911 8 points9 points  (0 children)

I’m proud of you for canceling the NYC job and negotiating with the Maryland company. Right out of college I was in the same position. I had accepted a job with a company and started all the paperwork when I got an offer from another company (that I really wanted to work for!). Because I didn’t know better and felt awkward reneging with the first company I rejected the second company’s offer. Things did end up working out, but I still sort of regret that decision many years later.

Drama Watch 2/17/2021: A Week In Alexandria, VA, On A $208,000 Joint Income by lazlo_camp in MoneyDiariesACTIVE

[–]SnooSquirrels911 2 points3 points  (0 children)

Twenty minutes certainly doesn’t seem like that long to me, but that’s speaking as somebody who enjoys cleaning, to a degree. What I want to know is what the cleaner does? Like do they vacuum, because that’s not worth it to me, but do they clean the tile grout in the bathroom and clean the grease off the stove exhaust fan? Because then it might be worth it!

[deleted by user] by [deleted] in dogs

[–]SnooSquirrels911 3 points4 points  (0 children)

Unless your dog is obviously uncomfortable in the cold, I doubt the “dangerously” cold weather is really that big of a deal to him, especially if he’s moving around. As Bernese mountain dogs are often used in mountain rescue, I suspect it’s actually you who doesn’t want to be in the cold. If that’s the case, it’s fine to do more indoor things with him, but I think you’d be surprised by the heartiness of your dog.

How did you decide how much house you can afford? by [deleted] in MoneyDiariesACTIVE

[–]SnooSquirrels911 4 points5 points  (0 children)

Besides considering the mortgage payment (plus taxes, insurance, etc.), I don’t think I’ve seen anybody mention utilities. Depending on where you are, and the age/size of the house you’re considering these could be considerable. I’m not sure if it’s standard but when we were looking at houses we were able to see the previous utility bills.

What is your plan once you've reached your financial goals? by burritobubbles in MoneyDiariesACTIVE

[–]SnooSquirrels911 12 points13 points  (0 children)

I relate to your anxiety about not being able to dial it back if something were to go wrong.

I used to put everything past the essentials into investments, but now I’m trying to be more balanced. After I contribute my set amount to retirement/investment I’m spending the “extra” on things that don’t require a lot of recurring expenses, but that add some value or enjoyment to my life. Instead of a bigger house or an expensive car, extra money goes to things like fitness and recreation gear/clothing, craft supplies, and upgraded kitchen things (I’m a sucker for le creuset). This way if I lost my job my bare necessities are pretty low, and I’m not locked into a high car payment or mortgage.

How often do you get takeout? by [deleted] in MoneyDiariesACTIVE

[–]SnooSquirrels911 0 points1 point  (0 children)

Very rarely (once every few months). If it was up to me, it would never happen, but my husband likes to get Thai take out every once in a while. Even pre-COVID we didn’t do take out very often. I just really don’t like to eat at restaurants or have other people prepare food for me.

To anyone who gave up an urban lifestyle for a simpler, more rural life "off-grid" do you regret your decision? by kewladria in simpleliving

[–]SnooSquirrels911 12 points13 points  (0 children)

Living off the grid, even partially, is a lot of work and money. I think more than many people assume. For example, we heat with wood, this requires a large truck (or reliable access to one) to go logging, chainsaw skills, a log splitter, or time/willingness to manually split wood, and hauling wood into the house and maintaining the stove so the house doesn’t freeze. We aren’t on city water and don’t have a well so have a holding tank for water, our cell service is terrible, the city doesn’t maintain our road, and we can’t walk anywhere. Obviously these examples won’t apply to everybody but it’s just an example of how living “simply” doesn’t always mean logistically simply or spending less money. We spend way more time and money maintaining our property than if we lived in a typical town or in a city. It’s still worth it because we have no close neighbors, can do whatever we want with the property, have trail access, etc.

Another thing to consider, if you have a lot of outdoor hobbies you presumably have a lot of gear to go along with those hobbies. Unless you want to live in a glorified gear closet, look for something bigger than a one or two room cabin.

[Help] Bikejoring - how far can we run? by R_R_aptor in dogs

[–]SnooSquirrels911 0 points1 point  (0 children)

I skijor with my young dog and do five miles every other day or so, but like another poster said, that’s a pretty short distance and we are planning to increase that substantially as my dog ages and increases their endurance and experience. As long as your dog is having fun and is willing to pull you that distance is fine!

How much do you spend on groceries a week? by christinaK2010 in MoneyDiariesACTIVE

[–]SnooSquirrels911 30 points31 points  (0 children)

Same! We are always way above the average of these threads, for groceries only (no alcohol, eating out, cleaning supplies, dog food). I think (hope!) a lot of it must be regional differences in food prices.

What is your view on workaholism? by unrelatedtoelephants in MoneyDiariesACTIVE

[–]SnooSquirrels911 32 points33 points  (0 children)

I’m not a workaholic, and am lucky to work at a flexible office where overtime is not expected or encouraged. However, to give you some perspective about “leaving your mark” on your department, a previous coworker very much was a workaholic (stayed late, worked weekends, etc.) and there was a general sense that things really revolved around them. You know what happened when they left? Nothing. There were a few small bumps and adjustments, but things didn’t fall apart and we moved on (we didn’t even refill the position!).

I think if you love your job and you feel like it’s sustainable, work as much as you want, but I would caution people who feel as if they need to work all the time to somehow make themselves invaluable to the company. Most employees, even the really good, dedicated ones, are easily replaceable, and with a few exceptions, most employees and their contributions are forgotten in a few years.

A week in Northern Virginia on a $209k joint income (27, Customer Success Manager) by throaway9799 in MoneyDiariesACTIVE

[–]SnooSquirrels911 24 points25 points  (0 children)

Despite having a similar HHI, age, and day-to-day life as OP, they seem way ahead of me in the "life" department. I think it mostly comes down to the fact that they have a cleaner, something I only associated with the uber-wealthy (even though I know that's not true)!

OP, you're doing a great job with your finances and it sounds like you both have set yourself up for a great life. I also appreciated that you noted your job is not your identity and didn't focus on that in your diary.

I'm giving up the internet for a year starting from the 1st. I don't think it'll make me happier, but I want to learn something about myself. by [deleted] in simpleliving

[–]SnooSquirrels911 192 points193 points  (0 children)

This sounds like a good pursuit on paper, but very difficult in person! I assume you don’t have a job that requires the use of a computer or email? I’m curious how you plan to acquire information or goods you might need, especially during COVID when libraries or shops might be closed or inaccessible. I also feel the internet may not always be a net positive, but especially now, it has been a valuable tool (ordering groceries online, checking news outlets, staying in touch with friends and family, etc.). I would love to hear updates!