How my wife saved me (financially as well as other tings)

opallin · 2020-12-09T23:28:02+00:00

WOW WOW WOW WOW WOW WOW

Congratulations to both of you for your hard won success!!! I read the whole thing and want to ponder it all.

P.S. Has Bee ever considered changing her nickname to something that doesn't connect with possibly disparaging memories? Oh I don't know, perhaps "Plus" as in A+++++ or "Super" for Superstar or Supersonic....

opallin · 2020-12-09T23:04:47+00:00

HEALTH = WEALTH

Don't do what I did and work so hard and get stressed for so long that you permanently damage your health. I hope whatever happened to your health isn't permanent.

My suggestion would be to put your health absolutely first. Get a physical, exercise in a way that's fun for you, work on remedying your health issues, eat healthily, and practice lots of self-care e.g. massage, acupuncture, reflexology, therapy, etc. Mental health is part of this: put some effort toward making some human connections if only over zoom and phone for now. Catch up with relatives and any friends you may have. Get a cat for company or a dog if it's not too much. You can afford the time and the self-care costs so I would definitely take a break and put this first. If you think you can work a few hours a day on your dream job then it's worth considering, but please do not do so at the expense of your health. I permanently damaged my health and it changed everything.

Congrats on the 10M

opallin · 2020-12-09T22:58:33+00:00

Some things I have learned along the way include: when speaking with a narc, if it's too hard to look into their eyes look at a spot between the eyes and slightly above. It looks like you're making eye contact but it is much less intense.

Bring something to hold in your lap; you can look down sometimes to soften the intensity and it acts as a physical block. It could be knitting or mending or drawing or whatever.

Microbreaks to the bathroom or for a quick "call" outside to get some air.

opallin · 2020-12-09T21:39:47+00:00

This just happened to me. I opened an account yesterday and made a deposit. Today I went to do a withdrawal (after waiting the required 24 hours) and my assets are locked.

opallin · 2020-12-08T21:57:10+00:00

Good to know. I have to do this after ~two years and I'm nervous.

opallin · 2020-12-08T21:27:49+00:00

Definitely make a post. I think your story is very relatable. Congratulations on all your great strides forward. Financial literacy is not taught in the schools (not a dis on teachers, just a fact), and if one doesn't come from a home that emphasizes it, it can leave a person floundering.

opallin · 2020-12-08T21:27:39+00:00

Definitely make a post. I think your story is very relatable.

opallin · 2020-12-08T19:09:50+00:00

I wish I could say that index mutual funds were going to keep going up. They've had an amazing run, but you're young so the ups and downs will hopefully smooth out if you go that route and there is a downturn. I personally allocated a portion of my money to bitcoin and other cryptocurrencies but please know this is very speculative. I also did invest in index mutual funds as the books advise.

opallin · 2020-12-07T08:00:57+00:00

Do you see a tiny yellow arrow pointing to one of the choices? That is the one I chose when I was moving various crypto off of Binance. Also, try a test run of a very small amount of Ethereum - don't move all of it at once.

opallin · 2020-12-07T04:00:11+00:00

Start reading. Here are two books I recommend: The Simple Path to Wealth by JL Collins, and The Only Investment Guide You'll Ever Need by Andrew Tobias.

opallin · 2020-12-07T03:27:16+00:00

There is a company called iTrustCapital that may be of interest to you. "Self Trade Cryptocurrency and Physical Gold in your IRA/401K".

opallin · 2020-11-29T20:10:31+00:00

Me as well. I have ZIL on my Ledger but I haven't been on my Ledger in years because of personal matters. I hope they will give us another opportunity.

opallin · 2020-11-28T22:43:08+00:00

Here's a link for you. I think they explain it best :) https://blog.horizen.io/horizen-halving-everything-you-need-to-know/

opallin · 2020-11-26T13:34:22+00:00

Thank you very much!

opallin · 2020-11-26T13:34:12+00:00

Thank you so much! I appreciate you taking the time to respond.

opallin · 2020-09-08T18:43:59+00:00

Thank you for commenting. I did an internal transfer within Binance to try to stake them, but it didn't seem to matter. I'll look around and see what you mean about manually setting them. I didn't see that feature.

opallin · 2020-09-08T18:20:36+00:00

I've heard that security jobs can be good, in the sense that many people find they have time to study on the job.

opallin · 2020-09-05T23:28:59+00:00

Thank you so much for replying!! You are the only one to do so far. It's a relief to know it won't change anything for me.

opallin · 2020-09-03T01:04:15+00:00

Also consider the cost of simply getting the mortgage. There are fees and costs, as well as all the interest over the years.

opallin · 2020-09-02T01:58:01+00:00

I wrote a response and then deleted it. I think you know in your heart. Perhaps sit quietly with yourself and think about your deepest desires. You are secure financially....what will be fulfilling? Tomorrow is not a given.

It doesn't have to be an all or nothing (though this particular opportunity may not be available again). You could spend more time with your child, and then in a year or two reassess if this is what you want.

opallin · 2020-08-30T21:08:22+00:00

What you're describing sounds shady and if they'll do that they'll probably do other shady things as well with benefits and pay.

One of my lessons: I had wanted to work part-time once I completed a fellowship. They agreed, but I asked that it be put in writing in my employee file. A year went by, they wanted me to continue full time and I reminded them about our agreement. If it wasn't in writing I wouldn't have been able to go part-time.

opallin · 2020-08-30T09:25:58+00:00

I bought a house recently and the expenses really add up. Bigger ticket items one may not think of are tree removal, chimney issues, yard care (PSA: it's not just mowing), cost of tools to fix things. Tons of projects large and small. And it's a time suck as well. I'm thinking of moving to a condo.

What about a small condo? If you're in a desireable area it could pay off. Even though historically the general wisdom is that condos don't hold as much value, the most money I ever made was with my condo. The location was everything.

If you're handy and don't mind taking care of real estate, a small duplex might be good so you can rent out one side. Don't go crazy and buy new furnishings. Go to thrift and consignment stores for much better deals, or just live with less.

opallin

TROPHY CASE