Learning how to save, eleven years later

I’ve been writing these annual reports for 11 years, starting in 2006. But if you looked only at a graph of my investment contributions over the same time period, you might assume that I’ve been really serious about saving only during the last 4 years. And there might be some truth to that.

Chart of investment contributions from income by account, 2006 through 2017 (Note: 401(k) contributions from 2008 through 2011 are actually rollovers from accounts for which I no longer have contribution data separate from gains/losses)
Investment contributions from income by account, 2006–2017

The trigger for the change, counterintuitive as it may seem, was Stephanie quitting her job in 2014. My reaction to this voluntary reduction of our collective income, coupled with an indeterminate timeline (we thought 8 months—if Stephanie completes her graduate program as planned, it will be 8 years!), was to impose a savings-based austerity program on my income. I increased my 401(k) contributions, I funded both of our Roth IRAs (through “the backdoor”), and I invested “The Rest” in my brokerage account—starting in 2014 and continuing every year since.

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Desert Thanksgiving in Joshua Tree

Wednesday – We left San Francisco at 6am—before sunrise—and arrived in Joshua Tree National Park at 5pm—after sunset. We had expected the trip to take 9 hours, but with stops along the way and some traffic, it took 11. So we didn’t hold out much hope for one of Cottonwood’s first-come, first-served campsites—and yet, several were unclaimed as we circled the campground in the dark. We settled on one (#A9) that we later discovered had wide, sweeping views of the desert valley to the south. Unlike several recent cold desert-Thanksgivings, (all of which were inspired by our first trip to Joshua Tree in 2008) the weather was in the 70s during the day and the 50s at night all week—we never put the fly on our tent. For dinner we grilled sausages over a wood fire.

Our campsite at Cottonwood Campground in Joshua Tree National Park at sunset
Our campsite at sunset

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Adventures in Real Estate, part 4

The first time we discussed selling our condo with any seriousness was in the middle of our eleven hour flight from Paris to San Francisco. That was Friday, August 18th. I remember feeling nauseous the next day—as we reunited with our home of almost six years after several weeks away—questioning why we would choose to forsake its many comforts, not to mention the dining nook renovations we’d only recently completed. On Sunday, jetlagged and up before sunrise, I wrote down the pros and cons of selling, trying to make sense of my conflicting thoughts.

The list in favor was overwhelming. The tidied up version now appears self-evident; corralling so many disparate emotions to get to this point was anything but:

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I hope this continues to move the needle: Lupita Nyong’o: Speaking Out About Harvey Weinstein

I hope this moves the needle: Hansen Unplugged: Anthem protests not about disrespecting the flag