Being a twenty something, in a land of “older-somethings”, is pretty stinkin’ interesting. I’m the youngest (not newest) agent in my field office and many of my coworkers have done this job longer than I’ve been alive, literally. The coworker I went out to dinner with last night has 27 years under his belt (plus eight as a police officer before that).

Even though I am treated respectfully by my colleagues, I rarely get that same respect out in the field. I can’t tell you how many times I’ve introduced myself as Special Agent (Insert my name here) to someone and had the person say something to me like, “Aren’t you a little young to be working for the government?”

It’s a pretty awkward question.

Being repeatedly asked “How old I am” during my work day is pretty weird. But nothing, I mean nothing, fascinates me as much as people who let my age convince them that they no longer need to act professional.

Basically, I’ve noticed people seem to use a lot more profanity in their vocabulary when I’m interviewing them than they do when my supervisor or an older colleague is.

I don’t know if I should be flattered or offended by people who casually drop the F bomb in mid conversation with me. Maybe my youthful appearance makes them feel comfortable and like they can be themselves (good thing)? Or perhaps, they have zero respect for me and could care less if I find their potty mouth inappropriate (bad thing)?

It’s possible I’m just being hypersensitive to the situation. I gave up profanity many moons ago, as have most of my friends, so I’m not around it all too much. Maybe I’m just caught off guard by the way many people throw the “F word” around like its going out of style?

Let me see if this example helps…

My everyday vocabulary consists of some pretty juvenile words; epic, sick, freakin’, and tight to name a few. I use these words when talking with friends and even some of my coworkers. But I never, ever, ever use these terms when I’m out dealing with people on a professional level. If I did people may not take me seriously.

Just as though you may not take me seriously if I drop the word “radical” in to a conversation, it’s extremely difficult for me to take you seriously when every other word out of your mouth is a four letter one.

I’ll never understand why people thinks its okay to curse in front of complete strangers. Is there anything about your professional life that just makes you scratch your head and go “Why”?

p.s. I should make it clear that I could care less if people swear in their personal life. It doesn’t bother me when some of my friends curse, nor do I think I’m better than them for not cursing. Just like I don’t think I’m better than my wife for not drinking alcohol. I’m simply trying to say I’m surprised by the situations in which people are comfortable cursing (during a federal investigation), and not necessarily by the curse words themselves.

America is doomed.

by Ninja on January 9, 2012 · 19 comments

I went out to dinner last night with one of my coworkers (who I met two days ago for the first time) and we were talking about work, family, and other things that people who don’t really know each other that well talk about. As we were walking back to the hotel we are staying at, he asked me if I’ve started buying gold or silver due to the economic uncertainty in America.

My response. “No.” I wish I would have bought Gold four or five years ago, but I’m personally not convinced it’s a good buy right now (bubble anyone?). The conversation snowballed as we talked about our investment portfolios and the future of America.

My favorite thing about personal finance is that there are a million different ways people can manage their money. Unlike a snuggie, personal finance is not a “one size fits all” gig. I’m aggressive in my investments (all stocks). He’s very conservative (all government bonds).

At one point during the conversation he said something along the lines of “The US Dollar will eventually crumble and we are going to end up exactly like Greece.” I responded, “You really believe that?” Turns out he does.

While I obviously am no political and/or economic expert, I definitely don’t believe America as we know it is going to hell in a hand basket.

Maybe I’m ignorant? Maybe I’m too young to understand? Maybe I’m wrong? Maybe I’m a wishful thinker? I’m just not buying in to all the doom and gloom.

I’ve said it many times before, but I am all stocks for at least the next ten to fifteen years because I believe America will ultimately prosper. If for some reason we don’t, my retirement portfolio allocations will probably be the least of my concerns.

It’s funny how different people can be. Two people, two completely different opinions.

What do you think? What is the future of America? Will we ultimately prosper or are we doomed to epic failure like Greece?

On a completely random note. I took out money from the ATM last night and, for probably the only time in my life, I physically held one hundred thousand dollars. Okay, not dollars. Korean Won; same thing right? Took a screenshot because it’s kinda cool and I’m nerdy like that…

In case you are wondering this is equivalent to $86.

No post for you

by Ninja on January 5, 2012 · 35 comments

Last night was my last one with the wifey before my seven week trip to Korea. Obviously quality time with Girl Ninja trumps time blogging. I’ll see you sexy readers on the other side of the world.

Peace out America, Korea here I come.

p.s. I will have a lot of free time while I’m abroad so if you have anything specific you want me to write about, or would like my two cents on, let me know and I’ll do my best cover it in the coming weeks.

Net Worth: January 2012

by Ninja on January 5, 2012 · 47 comments

No better way to ring in the new year then by giving you guys a Net Worth update right? Twenty Eleven was great to the Ninja household. Our NW rose a little over $45,000 during the last twelve months. While we are definitely hoping 2012 is good to us, we’d be foolish to think this year is going to be equally awesome (in 2011 GN had a higher paying job, we lived rent free for four months, etc). Maybe we don’t make huge gains every month, but as long as we make some serious progress towards our goals, I’ll be a happy camper. Let’s get on with it, shall we?

A$$ets:

Checking Account: $4,188; (change not shown since money is constantly in and out of this account). Wrote a check for a pretty substantial charitable contribution last month, but am yet to see the thing clear. Our landlord has also gotten in the habit of cashing our rent checks three to four weeks after he gets them. Checks are annoying because people don’t cash them. Wish I could pay my rent on a Credit Card.

Savings Accounts: $60,289; +$1,497. We hoarded cash like it was going out of style in the early part of 2011. Over the last six months, we haven’t been as good about making progress towards our $100,000 savings goal. Would like to be throwing more like $2,000 to $3,000 in this account each month.

Roth IRA: $25,754; +$389. My 2011 annual gains in this account were nonexistent. In fact I lost a few hundred bucks over the course of the year. I’ll still be a diligent little Ninja and continue maxing out my Roth every year I can. One day this account is going to make me rich, right now it just makes me frustrated. Haha.

TSP (401K): $27,241; +$1,062. I contributed about $700 to this account (including the match) and the markets added another $362 to it’s performance. I’ve upped my 401K contributions from 5% to 8% in hopes of building this sucker up even faster than originally planned.

Liabilities :(

Student Loan: $0. Okay I’ve been debt free for over a year and a half now. Thinking this will be the last NW update I include Sallie Mae’s zero balance in my liabilities section. Say your final goodbyes to Sallie Mae, because I’m burying her once and for all :)

Credit Card: $2,850 (change not reflected since balance is paid off each month). Ah the joys of Christmas shopping. We spent a little over $1,000 on gifts for the family this year, which was expected. Nothing else too sexy goes on with this account. Just the normal grocery shopping, household expenses, etc. But hey, at least we are earning airline miles while doing it.

My favorite months are the ones where my Savings, Roth, and 401K all show a green balance after them because that means our most important accounts increased in value. As you can see, they did just that last month. This my friends is a very good thing. In total, we added another $4,025 to our net worth, bringing our new total to $114,624.

Do you expect 2012 to be more or less favorable to your NW than 2011 was?

You can see all of my net worth updates here.

The one way savings account

by Ninja on January 3, 2012 · 31 comments

On November 30th, 2010 Girl Ninja and I had exactly $2,824.65 in our savings account (this does not include our Emergency Fund). Between November 2010 and September 2011, this account became very hungry and ate just about every dollar of discretionary income we had. By Sept. 2011, only ten months later, our savings had increased from less than $3,000 to an astonishing $45,017.92.

Our savings account was, and for the most part still is, a one way account. Money goes in, but it doesn’t go out. This is both good and bad. Good because we’ve been able to stock pile a lot of cash over the last twelve months. Bad because cash in and of itself is worthless, its value is only realized when utilized to purchase a good or service.

I leave this Friday for a six-week work trip to Korea. Whenever I go abroad for work, I have the potential to make some serious extra money. This trip should net me about $4,000 in addition to my standard base salary.

Every other time I have traveled (this is my third international trip), I’ve thrown the extra cash I’ve made in to our savings account and called it a day. Doesn’t that just scream….

This time, things are different. I know myself too well. If Girl Ninja let me put that $4,000 in to our “extra” savings fund, I wouldn’t want to ever take it out. I’m obsessed with watching the value of that savings account rise, and I seriously might suffer a mild heart attack (or have at least have really bad gas) if I saw the balance decrease.

So how do we reconcile this silly predicament?

It’s quite easy actually. I’ve created a new savings account with ING and labeled it the “New To Us Car Fund”. As you know, the wife and I plan to sell one of our two vehicles on Craigslist in the coming months (or years) and use the cash from the sale to purchase a gently used SUV from a private party. Since neither of our vehicles will fully cover the cost of a decent SUV, we will have to front the cash to cover the difference. Car loans are definitely not sexy.

If I put the $4,000 I make in to our extra savings fund, there is no way I’d be willing to pull the money out for an SUV. It would be too emotionally difficult for me. I’d feel like we were taking a step backward. The New Car Fund, however, is not a savings account. Instead it’s a spending account that I know we will tap in the near future.

I feel like a crazy person for even blogging about this. I don’t know why I can’t just suck it up and throw the $4K in our normal savings account, leaving a mental note that at some point down the road we will pull that same $4K out. My brain just doesn’t work that way I guess.

Maybe one day I’ll be financially mature enough to keep all of our savings in one main account, but today is definitely not that day.

Do you have a hard time spending money that’s in your savings account? Do you keep separate savings accounts (like I do) so that you don’t feel guilty about tapping your funds?

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