Journal Entry 324 – 28th Birthday

I turned 28 years old on Wednesday, November 14th. For some reason, this age sounds old to me and I don’t feel that old haha. That being said it was a great birthday that I’m pretty much celebrating over 4 days. On my actual birthday, Sarah and I just hung at the house and got some Chipotle and Halo Top. Thursday night we went out to Grapevine (favorite restaurant) with my parents and Friday we had some sushi from a local place. To finish off, we are having a party tonight at our house with some close friends. It should be good times. I should rename it “birth week” haha.

The Giants finally won on Monday night to get to 2-7. It was an interesting game though because the team chemistry felt great. The players were acting like they won the Superbowl afterward. This could be a great thing moving forward for the rest of the season. There may be a slim chance, we could win the division if we win out and the other teams drop a few more games. The Redskins are 6-3, so they would have to go 3-4 for us to beat them. Which is possible because their remaining schedule is not a cakewalk. Same for the Eagles. That just leaves the Cowboys, who have an easier schedule than the other teams, but honestly are not that far ahead of us believe or not.

I finally matched my previous bench press PR on my birthday. 225lbs for 8, 7, 5 reps. My diet has been much higher in carbs recently. I don’t know what it is, but I think I may be developing a taste aversion to chicken. Every time I eat it recently, I almost get sick to my stomach. I’ve also been drinking A LOT of caffeine recently. Other than that, I’ve been eating good and have definitely started eating a lot of rice recently. Something about it is overly satisfying at the moment. My parents gave me some Orgain Protein Powder from Costco both Chocolate and Vanilla, per my request for a gift. This protein is impressive in terms of micronutrient content. It also mixes pretty thick, which I have missed in my protein powder. I may have to switch over to these as my primary source of protein. The Chocolate is better than the Vanilla as the Vanilla tastes like it has too much greens powder in it. That being said, I still feel like this is way healthier than just straight dairy protein powder, which has almost no micronutrients in it.

Until next time!

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Journal Entry 323 – Finance

The end of the year is approaching very quickly. I can’t believe the Holidays are almost here. Very busy year overall and I have spent more money this year than any year to date. A first house will do that to you. That being said my Net Worth is still looking pretty good. Similar to writing this blog, working out and eating well, personal finance is a huge topic of interest for me. My interest in personal finance is what led me to my current job, to begin with. My current job has taught me a tremendous amount about the financial industry. I’m not an expert compared to some people but consider myself strongly inside of intermediate territory. I could compile all you would need to know into finance in a few simple tips:

  • Get out and stay out of debt. 
    • This one is probably the most important. If you understand this, then you likely have your ducks in a row. Don’t get behind on credit card payments, don’t buy a car you can’t afford and have $3-400 a month payments with interest or any other instrument of debt. Many places offer financing on just about any expensive item and you want to be wary of this. Financing implies you will be paying interest and this means more money you have to pay then the initial cost of the item. BEWARE.
    • A mortgage is somewhat of an exception because paying off a house is unrealistic for most people.
    • I have talked to some very smart people and some of them still haven’t grasped this concept, which is shocking to me. Do you really need a $40000 SUV with huge tires when all you do with it is commute to work or the store? – Probably not.
  • Invest in a 401(k) ESPECIALLY if you have company match (free money)
    • Be a loyal employee. It costs a lot of money to hire people and the longer you work somewhere, show up and do a great job, the more the company likes and invests in you.
  • Invest in a Taxable Account
    • Taxable accounts are the new savings accounts in my opinion. You can withdraw the cost basis (the money you put in the account – after-tax) tax-free and the money will grow far more (investment earnings) than it would sitting in a checking/savings account.
  • Keep 3-6 months of savings in your checking and savings and move the rest to a taxable account or other savings account
    • The value of your money in checking and savings accounts actually loses money each year due to inflation. Keep an amount that feels comfortable to you here, but save the rest.
  • Beware Lifestyle Inflation
    • This is a tough one, because it kind of happens automatically. Lifestyle inflation is basically earning more and spending more to match it. For example, say I got a $25000 annual raise. Most people would go “Hell Yeah” and spend it all by getting a bigger house and a nicer car even though they were fine with what they had before. Some of this is just the way society is set up as it is highly materialistic. Smart people take this money, pay off debt, invest it (which essentially means you will earn more money down the road) and live the same way they were living before. Quality of life is the same before the raise, but their wealth would increase tremendously.
    • Image result for fight club you are not the thing you own
  • Get rid of things you no longer use.
    • This is actually a very underrated tip for saving money. I shudder at the thought of hoarding. I’m possibly the only person in my family that is a minimalist or non-materialist. When your house becomes piled up so high with crap, you don’t even realize what you have any more. We don’t live in a third world country, therefore, we do not need to collect goods as if our life depended on it. Clean out your house and really go through everything you have to see if you truly need that item. Odds are if you don’t use it every day and haven’t seen it in years then you don’t need it. This doesn’t apply to pictures or family heirlooms, but mainly to excessive clothing that you don’t wear or any material goods, decorations that you would be better served getting rid of.
  • Buy Quality over Quantity
    • This may sound like I’m recommending never to buy anything. This is not so. I mainly recommend getting all of your debt paid off and your savings in place (investments or savings should be automatic. There should never be an excuse not save each month. Set up savings like you would an automatic bill payment). When you do buy something, make sure it is a quality item. This is something you would use daily or use for a long time before replacing, but it is also something you can afford. Never use financing to pay for a small item. Obviously, I don’t recommend buying too much quantity of anything, unless you actually need the volume of what you are buying. Buy nice things within your means, not a lot of things.
  • Appreciate Money
    • At an early age, I learned to appreciate food. As a fat child, I learned that it was through food that I was grossly overweight for my age and height. From that day forward, I manipulated food to achieve my desired effect. Which for me was to be slim. I have gone through one hell of a learning curve with food and can honestly tell you that when I eat something I appreciate what it is doing for me. I look at cheat meals as something I have earned and the rest of the time I choose foods that I know are benefiting me. (Protein, healthier fats, low sugar, green vegetables etc..) I only learned to appreciate food after it became scarce, however. The same is true of money for most people. Most kids or people even have no concept of what it means to appreciate money. Personal finance is not even a required class in school. (frightening thought) So when most kids graduate college in mountains of debt, then get a job that can barely pay the bills, money then becomes scarce. THEN they appreciate money. Unfortunately, it takes going through this for most people to “wake up” and truly appreciate it what money is and how to manage it.
    • Other people that don’t follow the rules above are in the same boat. They could make plenty of money and still be broke because they are truly idiotic with their spending habits.
    • You also have people on the other side of the coin that are so rich, money is no longer appreciated. It just becomes what Leonardo Di Caprio coins “Fun Coupons) in Wolf of Wall Street. Something to waste on material goods. This mindset can lead you to ruin down the road if you are not careful.

This actually ended up being a lot longer than I thought haha. I may add this under a new article. Ideas just kept hitting me as I was writing.

My strength is stuck in a plateau. Going to bump up the protein and calories by 2-300 to see if this helps. Other than that been keeping it pretty low carb still and my weight is hovering around the 178lb mark.

Sarah and I went to DC last week, which is why I didn’t post. We met up with my brother and his wife, as it was my sister-in-law Rebecca’s birthday, Sarah’s birthday and little Abby’s birthday on Halloween. She was much bigger than the last time I saw her! It was a fun time though. Sarah and I went to a few museums and then ate out at some local restaurants. On Sunday, we drove back and chilled most of the day and then went to Red Salt Chophouse and Sushi with Sarah’s parents for her Birthday dinner. The Sushi was great. I got Batman roll and Black Russian roll, mainly because I like the names.