Retirement

July 20, 2014 · 6 comments

Hope you enjoy a guest post today from none other than my better half, Girl Ninja. 

As of June 13th, 2014, I am officially retired…and it feels so good.  I spent all nine months of my pregnancy looking forward to the days I get to spend at home holding my baby.  I know challenges are definitely coming my way, but along with that I am excited to help take care of a household, without feeling worn down from working all day long.

As Ninja and I transition from a DINK family, to a single income household, I am surprised by the challenge.  It isn’t a tighter budget, more mindful spending or being bored and stir-crazy at home.  It isn’t the guilty feeling of spending money that I am not bringing in.  Instead, it is the surprising feeling that I miss kindergarten.

I love teaching kindergarten.  I’m not sure I really knew how much I loved it, until I left it.  In the frenzy of kindergarten graduation, packing a classroom, and a rapidly approaching due date to meet my little one, I was busy checking off to-do lists.  As I was literally walking out the back door of my classroom, I turned back one last time…cue cheesy slow motion scene with sappy music in the background.  Then the tears came.  I cried my whole drive home.  I cried as I thought back over the lessons I had taught, and the lessons my 5 year olds had taught me.  Inside those four walls, there was safety to try, to fail, to achieve, to be challenged for both my students and myself.  Names and faces poured through my mind, and I was overcome with thankfulness, joy, and sadness to be ending this chapter of life and moving on to something new.

Walking by the “Back to School” sale at Target last week, I had to stop myself from browsing the sales and stocking up for the next year. Rather than spending my days teaching, loving on, and learning with 22 five-year olds from 8:30-3:30 each day, I will be spending my day (and currently my nights) teaching, loving, and learning with Baby Ninja.  Some daily challenges will be similar, some will be different.  I won’t have those 15 minute recess breaks, 30 minute lunch breaks, or that 3:30 end time for each day. September will be hard, as I know my friends and coworkers will be gearing up to set up their classrooms and prepare for a new group of students.

Will giving this part of my life up be worth it?

Yes, I know it definitely will.  I know these are years and days with Baby Ninja I won’t get back, and I can’t wait for each of them.

So, what’s my plan? Am I just going to go through my day-to-day with this back and forth mindset of missing my teacher days, while learning to love being a stay at home mom?

Well, we have a plan.  I am excited to have the opportunity to substitute (saying yes or no to work based on what works for me? Yes please!), and I also hope to begin tutoring a few students next year.  Ninja’s schedule will allow us to make this work without having to pay for childcare for Baby Ninja.

I’m so thankful that my love for being home with my baby boy, and my love for teaching don’t have to be mutually exclusive.  I am thankful for the ways that my career have prepared me, and given me at least a glimpse of what motherhood holds. I am thankful for a husband that works hard to make it possible for me to be home with Baby Ninja during these little years.

We hope you’ll stick around to see how it goes! 

 

 

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With the arrival of Baby Ninja in the rear view mirror, Girl Ninja and I are starting to receive a hefty amount of mail from my insurance company. All the hospital visits, the labor and delivery, the lactation consultations, the pediatric appointments, and medications; are looking for their cut of pie. Every time I check the mail a little part of me dies inside.

I think to myself, “Ah crap, how much is Baby Ninja gonna cost us.”

The answer…

Ten dollars. 

Yup, just ten George Washington’s is all it took to bring Baby Ninja in to this world.

Your income is more than just your income.

While I may never earn a six figure salary in my government job, sometimes I have to remind myself that my total compensation package is MORE than just the salary I receive.

Like having access to great health insurance. While many of my friends have had to shell out thousands of dollars in medical costs for their labor and delivery, Girl Ninja and I have been able to rest easy the last nine months knowing that $10 was all we would have to pay.

Why $10 you ask?

Well, when Girl Ninja found out she was pregnant back in October she scheduled a maternity appointment with her OB/GYN. That first appointment had a $10 co-pay. Every other appointment since then has been 100% covered by my health insurance. No copays or out-of-pockets for anything.

Do you know how awesome it was to see a $4,000 medical bill indicate my financial obligation was $0.00?!

It felt like this..

Today I’m not only thankful for having a sweet job, but benefits that rock my world. 

Do you have any sweet work benefits? I know the tech industry is infamous for crazy perks.

Oh and here are a few more shots of Baby Ninja now that he doesn’t look quite so weird…

Screen Shot 2014-07-14 at Jul 14, 2014, 11.27.59 PM

Screen Shot 2014-07-14 at Jul 14, 2014, 11.28.15 PM

Turn your audio up ;)

For those of us that get paid every two weeks, we face a battle of epic proportions. Managing a budget is no easy task, especially when all months AREN’T created equal. Ten months a year we might bring home $4,000, but two months of the year we bring home $6,000. Why must such cruel things exist!?

Although an extra paycheck is definitely a good problem to have, there is no denying it adds a little hiccup to the budgeting process. Us “three paycheckers” really only have two options…

  1. We can mentally break up the two extra paychecks. Say for example you take home $2K every two weeks. Instead of budgeting your expenses around $4,000/month, you can pretend you make $4,333/month (since that is your average monthly income over the course of a year). In my opinion this method sucks. It takes a lot of work, discipline, and patience. It also causes you to spend money you don’t necessarily have yet. My first third paycheck month doesn’t come until March each year, so by this rule, I’d be spending money in January and February that I have not yet received. It would be like spending your tax return before you actually got it. Sure, you know it’s coming, but it’s best you wait for it to get deposited in to your bank account.
  2. I like to pretend the extra paycheck is a bonus. If you take home $2,000 every two weeks, I recommend you budget your expenses around a $4k per month income. When March and August roll around, you suddenly get an extra $2,000. Two thousand dollars that does not have a budgeted purpose. You can spend it on a vacation, a unicorn, or even be responsible and open a Roth IRA. Booyah for unicorns and responsibility!

If you haven’t noticed…it’s almos August, which means I’ll be getting an extra paycheck next month. Perhaps I will buy a few thousand McChickens from McDonalds, maybe I’ll give this extra paycheck to one of my lucky readers, but most likely I will be boring and throw it in the good ol’ savings account. Totally un-sexy… I know.

I know I’m not the only person that gets paid every two weeks. How do you manage? What works best for you!?

I’ve been doing a lot of blogging lately about real estate and the stock market. The last two years have been insane for both markets. Epic and unsustainable are some of the adjectives that come to mind for the recent  gains.

The general consensus amongst PF nerds is that one should strive to buy low and sell high. Today, I’ll make the argument that one should Buy low AND Buy high.

One of the Seattle Real Estate blogs I read repeatedly says this is a terrible time to buy a house in Seattle because of the recent market appreciation. This bothers me for a few reasons: 

A house is a home first, an investment second.

I have to pay to live somewhere, right? Real estate is one of the only investments I can think of that satisfies a basic human need, shelter. Even if my house lost all of its monetary value, it still provides ME value. If your WaMu stock loses all of its monetary value, you have nothing.

As long as you can afford it. Who cares how much it costs. 

Just cause the market went up doesn’t mean your budget should. If you find a house that you like – in your price point – you should not refrain from buying it just because it was $20,000 less last year. Milk was also cheaper in 1995, so are you not going to pick that up at the grocery store next time you run out? Which leads me to my next point…

Buying high is a good thing.

I mean, that’s they way the stock and real estate markets works right? They should both be setting new highs every day. Okay well maybe not every day, but over the long haul the trend is supposed to be (and always has been) up. Why do we act scared or surprised when the Dow sets a new record?

THAT’S WHAT IT IS SUPPOSED TO DO!!!!

I get that one might argue the importance of buying low and selling high when it comes to short-term investments. But who the crap buys a house with the intentions of selling it two years later? That’s stupid, or at least speculative at best. Two years from now the housing market may be down, but I bet you a billion dollars twenty years from now the market is up. I don’t really care if my house is worth $300,000 or $320,000 today, when it is going to be worth $700,000+ thirty years from now. Sure, it would be nice to time the market, unfortunately no one can do that without taking a gamble.

Moral of the story kids: The market being at all time highs should be reassuring that the market is performing as expected.

Meet baby ninja

June 25, 2014

He’s 8lbs even and a lady killer. We love him… even if he kinda looks like an alien

27 comments Read the full article →

Today I become a dad

June 23, 2014

And this is the only picture I could find to summarize how I feel about that.     Wish me and Girl Ninja luck

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Analysis Paralysis

June 22, 2014

If you live in The States you’ve probably been to Costco. While the store is practically busting at the seams with stuff, Costco typically only carries about 4,000 unique products behind its walls. Your much smaller local grocery store, however, carries around 40,000 different products. So what’s the deal?  Costco understands psychology and analysis paralysis. If you’re like […]

2 comments Read the full article →