October 27, 2015
Talking money: a podcast

It’s here!
I stepped WAY out of my comfort zone to do this interview with Jessica, and it’s now here, live!
Jessica’s made it really easy for you to listen:
About sixteen years ago, I met him for the first time. My trainwreck sibling brought home this adorable puppy he had no business adopting because he had not one thing in his life that wasn’t a mess. I was furious at my sibling – he didn’t even take care of himself, how could he drag
Read MoreOctober 27, 2015

I stepped WAY out of my comfort zone to do this interview with Jessica, and it’s now here, live!
Jessica’s made it really easy for you to listen:
October 26, 2015
Popular frugal finance says: Want early retirement? Live on less.
But I don’t want to! Been there, done that, still wearing the crappy free t-shirts because holes aren’t a good reason to throw them out. Obviously we CAN live on less, and boy have I, but given the choice, and I’m giving myself the choice, I choose to spend mindfully and selectively so we can spend on good quality or pay for expensive stuff when we have to. Besides, while I know frugality-focused Early Retirement folks enjoy their wage-working-free days, my desire to retire early has a lot more to do with freeing up time and energy to do things I care about like animal rescue, helping foster kids, addressing poverty, etc. That takes money.
Why not do both?
In an alternate universe, I could, so I would! But here in this somewhat crappy version, I simply can’t and I will not sacrifice health for wealth again when it’s not for survival.
Nope. I’m a forever fan of the multi-faceted approach.
Reducing our spendable cash flow: we were saving 25% of our salaries, net. That’s untouchable unless it’s paying down debt or keeping us afloat during job loss. We’re saving another 15% to account for LB’s expenses. Until / unless it’s spent on LB, it’s also untouchable outside of catastrophe or debt paydown.
The one-income life: replacing one of our incomes and benefits, or learning to live without one of our incomes for a while, isn’t going to happen through a side gig right away, but it’s a goal. I’m starting the income replacement with our investments.
Cutting our expenses ruthlessly: I negotiate our internet bill regularly, we don’t have a phone bill, we use the heck out of our cell phones and have the lowest plans appropriate to our usage. I’ve tried to refinance the mortgage several times, to no avail, but no fear! There are other ways to kill that mortgage.
With thanks to Nicole and Maggie for pointing me in the direction of a useful amortization spreadsheet, I’ve worked the numbers:

I love the potential for savings here. It’s time for a good hard look to see how much we could comfortably throw from savings in a big ole prepayment when each dollar is worth two in this scenario! There’s a serious temptation to throw all the cash at it but I’ll refrain from overzealous stupidity, I won’t deplete our savings cushion even if it feels like our jobs are relatively secure for now.
Update: Had a chat with PiC, we’ve decided that we can pull together cash from enough sources to make a big prepayment this month so we’re going all in. It’ll be worth almost twice the value in interest we don’t pay over the life of the loan so I’m over the moon about that. And you’d better believe I’m looking at ways to relieve my cash spending so I can throw more cash at it next year.
October 23, 2015
I recently removed Jack and the Beanstalk, the pop-up version that we have, from the bookshelf. It’s now a chew toy for LB because what a terrible story! What are we teaching our kids??
Let’s see:
Dependence: Jack doesn’t do exactly as he’s told, exercising his judgment, and his mom throws the beans out instead of hearing him out.
Sneakery: When the beans grow and he goes exploring, he breaks into the giant’s home. Excuse me, just because you’re in a strange place doesn’t make breaking and entering OK!
Thievery: Then he decides to steal a goose that lays golden eggs. Child…
Destruction and Murder: Having nearly escaped with his ill gotten gains, he decides to deal with the righteous pursuing giant by cutting down the stalk and killing the giant!
They live happily ever after with the golden goose.
No, no, and no! These are not virtues that deserve to be rewarded with wealth!
Then again, I guess that would be a useful analogy to explaining much of Wall Street, wouldn’t it? Maybe I should rescue that book.
***
We’re big fans of If you give a mouse a cookie, not least because I am that mouse, so we were excited to pick up the other books in that series. I was excited there were other books in the series. Then we read them. And we read them again. And it occurred to us there was something not quite right about them.
I started to think that these particular stories are just cautionary tales about the kinds of friends who you don’t want to have. One day I heard PiC mutter: Did the author just have a bunch of freeloading friends that she was writing about, disguised as these animals?! GET YOUR OWN MUFFIN MIX, MOOSE!
Apparently if you give a moose a muffin, the great honkin jerk eats all your muffins! Then he wants more, but instead of offering to get them, you have to go to the store?? But he wants to come along, for kicks, I guess, so he has to borrow a sweater. And then proceeds to make a huge mess in the house that he barely helps to clean up.
The whole book sounds like that kid is being used and pushed around. At least when the mouse is getting a cookie, he’s asking for things that make sense and aren’t entirely gimme gimme gimme. You want to sweep up? Ok. Wash the floors? Have at it. He wants to draw a picture? Sure! Of course he needs Scotch tape to put it up, why not?
But that Moose, man. He eats all your food, then he makes a mess of the house, and then he asks for more muffins. But GUESS WHAT. You never went to the store did you, Moose? Because you were too busy freeloading!
And that pig…. Never mind, we’d be here forever. (But the number of pictures that pig takes, and the stamps she uses! Are you kidding me? Polaroids are expensive!)
***
We hope that LB learns that if your friends expect you to do All The Work, and provide All The Things, that’s an uneven relationship and they’re probably not the best friends to have. And saying No is not a bad thing.
Also, don’t give a moose any food ever. Have you seen those things? (Although really, I would just have pulled over and waited that moose out. From her perspective, you’re stalking them!)
October 21, 2015
For subscribers, a version of this went up when I thought I was ready, but the writing itself wasn’t ready yet. Apologies for the confusion!
Once upon a time, I could only work lying abed. Propped up on a nest of pillows so that typing would require the least amount of effort, staying upright drained me so completely, I’d just rinse and repeat the next day. After several months, I graduated to working from the sofa sometimes. Last year, I made it to my desk.
It doesn’t mean that I’ve been without pain. Whoa, no. It’s just there are many levels of terrible and when you’ve gotten used to your particular circle of hell, lo, there is another lower one. I’ve been lucky enough to stay just out of that bottommost canto until our beloved Angry Inchworm came on the scene.
Pregnancy didn’t significantly increase my usual familiar pain but incubating a tiny human-to-be was hard on the system. I did not like the weird and uncomfortable but it was after delivery that I found myself in trouble for a second time.
It wasn’t postpartum depression. I very much wanted to take care of our newborn, dredged up every iota of energy I could to do so, and was grateful for each day that I could do what was needed. But I also wanted to feel the affection I knew I had. I wasn’t crying or irritable, nor was I having mood swings. My can-do and love for hir was just buried by the fatigue, pain, and unadulterated fear that it might not get better. Most symptoms, in my experience, don’t.
I started an antidepressant this spring. It was prescribed specifically for pain control but the on-label use is for depression. This is, I learned, not unusual. Chronic pain travels the same brain pathways that depression does so chronic pain sufferers are more prone to depression. But you know what? Even if we were biologically inclined to have it (thanks, bodies, no, really), you know what’s depressing?
Being in pain 24 hours, every day, for the rest of your life.
Know what’s not depressing? Less pain.
The trouble was that this wasn’t my first go-around with this medication. The first time was three years ago, and I’ve never spoken of it.
In my family, depression is either not spoken of, or it’s casually referred to like the common cold. A thing that comes and goes and there’s nothing you can do about it. I knew my cousin had a bout with it only because it was offhandedly mentioned that she’d lost an entire summer, curled up on the couch, when she was normally very productive. It’s not taken seriously lest it become a serious thing. And if it does become serious in their accepted range of “serious ailments”, it still isn’t directly addressed. There’s a reasoning that makes no sense at all and guarantees you won’t get help.
It’s true for many people that depression sits on their shoulder, a cruel imp whispering nastiness, sowing doubt and self loathing. Many people start to believe the things depression says, that they’re not good enough, awful and deeply negative things. And for many people, after years of this, cannot fight any longer.
That wasn’t my experience.
My fight had been of another variety, purely for survival, and it lasted years. There was no time to think or feel, just do. In some ways, that saved me from emotional turmoil, but only for a while. I was primed, starting this antidepressant, I just didn’t know it. I was taking it, then, as now, for purely physical pain. That, it did help. It helped me function, in a detached, vacant way. I didn’t precisely have energy but I was no longer feeling completely hollow. I could go to work, get home and do some housework, rise from bed in the morning and fall back into it night after night. Not much of an existence but at least my body was in motion and it would probably stay that way.
The trigger was some trivial non argument with PiC. We disagreed about some nominal thing, something so inconsequential that even though it triggered the worst experience of my life, I don’t remember what it was. My brain, ripe for the shift, turned over.
I didn’t just start wondering or believing that I wasn’t good enough or that I wasn’t deserving. I knew.
I knew that I was a failure. If not, Mom would be alive and well.
I knew that I wasn’t strong enough. If I were, I’d not need help to function on a daily basis. Anyone could live my life and make more of it than I had.
I knew that I couldn’t fix the mess that I’d made of my life because if I could, I would have.
I was absolutely certain there was no point in trying anymore. I was a failure, I didn’t know how to fix everything, and therefore, though perhaps Doggle would miss me eventually, there wasn’t any reason for me to stick around.
Probably the most terrifying part of all was how quickly I went from having a Really Bad Night to feeling like I was ready for it all to be over. I didn’t tell anyone. I wasn’t looking for help, I wasn’t afraid of the consequences. I wasn’t in the least bit interested in alternative solutions. I was tired, and I wanted to be done.
Wanting to quit, permanently, should have been a huge blinking sign that something was fundamentally wrong. Of all the things that should have triggered a fear or any response at all, that should have been it. But it didn’t feel wrong. It felt like that “Depression Lies” or that “it’s always better to choose life”, the lack of choice, was wrong. I even knew that it was possible that this state of mind was directly linked to the medication, the label states a side effect could be suicidal thoughts, a dear friend told me that it can take time to find the right medication that won’t be worse than the pain, but it simply didn’t matter.
Unlike many more common descriptions of depression that I’ve read, my reaction was to become even more “rational”: in a simple calculation of worth, I was worth more dead than alive. Therefore, it made sense to stop being alive. I became even more productive than usual, sorting my affairs so that I wouldn’t leave a huge mess behind for anyone else. Coldly functional. Robotic. Unresponsive to any emotion, and unemotional myself. Except at night. Every night, after a long day of preparations and planning, I’d huddle in the bathroom corner, hot tears running down my face as I apologized to the air. To Mom, mostly. For failing her. For failing us. For failing at life. Asking for her forgiveness for things I should have done better and failed to.
Hindsight is powerful, though somewhat useless. And sometimes it’s just downright damaging. This was one of those times.
For two long months, I was a mess internally, and there was nothing anybody could have done, because I wasn’t telling anyone or asking for help.
Then one day, weeks after I stopped taking the medication and went back to being about a thousand pounds per square inch, the fog seemed to lift. The hatred, the self loathing, the despair, it was still there but it was a little lighter. Just an ounce less. Just a little bit easier to bear. Just a little bit more possible to live with.
The next day, again, it was a little bit lighter. And the next day, still a little lighter.
There was no great revelation, I wasn’t glad I didn’t follow through. I just felt like the deafening bellows of my psyche quieted down, but that it was still echoing in the back of my consciousness, and there were days I was just standing on the edge of the cliff. Months after the depression passed, there was still a weight on my chest. I couldn’t even talk about it, lest that push me over the edge. It hadn’t passed, so much as retreated to loom over my shoulder.
20 months later, I still felt that pressure and could only discuss it vaguely to a very good friend who had had experience with it. Until one day, a dear friend was helping her roommate get past a suicide attempt and said, “I don’t know how to help, because I don’t understand it.” That was the first time the words “I was suicidally depressed” came out of my mouth, and the first time PiC heard them. Hiding my pain from my family had become such an ingrained habit that it never occurred to me that he should help me through it.
***
I don’t have any grand revelations. May never, really. It’s a mystery how an entire world and sense of self can be upended, shaken and strained, then laid back down again. There’s no guarantee that next time, if there is one, when there is one?, that it will be ok.
For the first time in a very long time, though, I realize that even though I still can’t explain the experience, now that we have LB and have found peace with each other, I find myself knowing that no matter how hard it gets, as long as we have hir and each other, I want to live. I never want to deliberately cause hir the pain of having to bury hir mother as I did mine. Or of never knowing me, or never having my love, or protection. But it’s not just the negative. I also want to be here. I want to see the day to day, to be there on the special days, to watch hir grow, proudly and with wonder, hand in hand with PiC. To share that love and those memories with cherished friends, and cherished family, and to build a good life.
Life was crushing, for a long time, but we came through it. We probably can again.
And for now, that’s enough.
October 19, 2015
Daily #1GoodMoneyThing had a great run but, as expected, life got hectic so it’s good that I planned to ramp down to more of a weekly thing. Nothing like setting expectations accurately! Still, I got an awful lot done for not trying to do it daily.
Updated all my rental property income and expense transactions from the summer.
Submitted FSA claims.
Adapted a TMobile micro sim to match the ATT micro sim size.
Renewed our @MontereyAq membership for another year. Tax deductible and lowers the cost of entry each time we go!
Found an Amex offer for $15 off Chewy.com purchases. Check your card benefits!
Counting pills: Seamus is on a long term medication so I order refills in 6 month increments, 360 pills at a time. His annual bloodwork shows that he needs to be on a lower dose by 25%. 1-800-PetMeds is willing to exchange it for the lower dose but they want to know how many he has left. Damn, I just broke into the new bottle a couple weeks ago. Should have done his bloodwork in August. Better mark the calendar to check it in a year, before his next refill.
Travel budget strategizing: Paying for our upcoming travel in miles and points is a particular point of pride. I’m working furiously on the miles strategy that will put us in great seats on a good summer flight.
Home maintenance: where an ounce of prevention beats paying a plumber and then being traumatized by a stranger’s plumber’s crack.
I scrubbed the guck out of our tub drain, clearing up the build up out to let the water run free again. There was only one strand of hair in the much, incidentally, so I’ve been doing a great job keeping hair from clogging it.
Home maintenance: our dryer doesn’t like to stop when it’s supposed to. It could be the sensor, since the timer zeroes out at the end of the timed cycle, but it just doesn’t stop. I’m assuming the sensor is the thing that tells it to actually stop. More research needed!
Money maintenance: My last Citibank CD with a high interest rate (ha “high”) matured and that money is now being held for our investing portfolio. This drops my minimum account balance. Previously I had the Citibank Account package with a minimum balance of $10K across combined accounts. Since I don’t want to be charged a monthly fee, I’m converting it to the Basic Account package which has a minimum balance of $1500 across all accounts. That only took a solid hour on customer service chat, but better than an hour on the phone, I suppose.
October 16, 2015
Inchworm is officially mobile. Something clicked one day and ze went from struggling planted in one place, or wiggling backwards, to crawling forward in the most awkward foot-planting fashion. It’s clear that with every creep forward, ze is just preparing to stand up and walk. Often I’ll catch hir on all fours, hands and feet, butt in the air as ze tries to figure out how to get the front half in the air but fails. Not much complaining about this anymore – ze is too busy concentrating.
***
Ze figured out self directed play if I’m just sitting nearby. Ze is even better at it if I’m walking around and not watching over hir. But there’s always a risk that ze will finish with all hir toys and head for Seamus or his toys. He won’t bother hir, even when ze is trying to lick him, but I don’t want him to feel tormented.
***
At some point, LB quit spitting up / drinking too much too fast. A little bit before ze learned to roll over, and hold hir own bottle, ze quit needing to be burped. We just honestly forgot because ze would wiggle away to do something and then noticed ze was rolling out the burps all on hir own. Excellent! The drool continues unabated, though, and still, no teeth. I’m enjoying the gummy grins though, so I’m in no hurry. Also, as I might have mentioned before, ze BITES. And holy hell does that hurt. I have a bruise on my arm from hir chewing.
***
When LB was just a speck, I assumed that I wouldn’t want to share my living AND working space with a Tiny Tyrant. It’s really weird to realize that I am quite enjoying it right now. Ze is a lot of work, but is at a semi-ideal stage right now where I can drop hir in a play area, leave hir to get into things, and redirect hir as needed. Ze explores anything and everything, tasting everything: Seamus, our shoes, electrical cords, our toes, carpet, rugs, drawstrings. You name it, ze wants to chew on it.
Note: Seamus is not a fan.
***
What’s the difference between a puppy and this baby? A puppy has dander and this baby has opposable thumbs with which to pick up electric cords for chewing.
***
Unfortunately for us, LB’s mobility is not matched by hir language skills. Meaning “no!” and “no that’s dangerous” or “no that’s not for eating” or “no that’s not for you” are just amusing mouth noises we make. Meanwhile, Seamus jumps with every “no!” like he’s in trouble.
***
SOMEbaby thanks it’s hilarious to chipmunk cheek hir food. We were doing our usual sharing at dinner and ze just kept cheeking hir veggies. Ze likes them, normally, but I guess learning to hide your food in your mouth is an essential baby skill? After a visual check AND a finger sweep, ze spit hir greens at me with a cackle.
***
Ze caught a cold. Infant colds, from this experience, consists of 2 parts “aww you’re pitifully cute”, 3 parts “aww you’re just pitiful” and 95 parts “Ew snot bubbles!”
Our weapons of choice: infant Tylenol, nasal spray and the Snotsucker. That name, by the way, should have tipped me off to what it was but no, I just refused to use it. PiC did, and it helped a bit, but if you’ve ever wondered how an infant would react to waterboarding, we know.
P.S. There’s something very wrong with my child, ze loves the fake grape taste of the Tylenol. Gross.
***
For a little while, I had the timing on naps figured out and it was amazing. Then it changed again, and ze would do that terribly miserable scrunched up You Traitor face wail when put in the crib. I started handing hir a toy and walking away. Sometimes ze would just cry til ze slept. Other times ze would get up, play for a long grumbling while, then pass out mid play. As long as sleep happens, I don’t much care how we get there any more.
***
Cruising a Carter’s sale for a few things that ze didn’t get from the hand me down bag, I learned what crib shoes are. We were given some but I didn’t know what to do with them since shoes for a not-walking kid doesn’t make a lot of sense.
Shoes on an almost walking kid, though? As entertaining as putting shoes on a cat.
Doing my very best (but still terrible) whale sounds impressions for a wiggly grouchy LB’s entertainment.
Month 7: Ambulation
Month 6: Becoming human
Month 5: Toes
Month 4: Velociraptor Claws
Month 3: Growth Spurts
Month 2: Hates sleep
Month 1: Banshee
October 12, 2015
LB and I have been playing with Legos lately. (Truth? PiC and I have been playing with Legos a lot while LB gnaws on them, contemplatively.)
I connect a few, ze takes them for a taste test, pulls them apart, ponders the meaning of color.
While ze debates the delectability of yellow squares versus blue rectangles, I find myself aimlessly connecting more Legos. Invariably, I connect several larger rectangles using a variety of smaller pieces to make a platform and then build walls up.
I’ve never watched other people play with Legos but dollars to donuts they don’t always build a flat foundation first and a standard four walls before unleashing creativity. There’s simply no other way, though, not if I’m letting my subconscious lead the way. Nature or nurture questions aside, this is how I’m built to build. A firm foundation and then slowly build walls and a roof for protection.
Now that we’ve reached a particular level of stability, where I’m not viscerally worried that a missed paycheck or three would set us scrambling, my subconscious is now casting about for the next thing that comes after the walls.
What steps do I take to start building the next, perhaps final, stage of our life? Where do I go from here?
This could be the start of the renaissance of my life. I spent 15 years climbing out of and barricading ourselves against poverty. When I take a good look around, I realize that we can afford to take some risks now. Typically the time to take risks was a decade ago, in my 20s, but I couldn’t. Now, with a brand new child and aging parents on both sides, it would seem that now isn’t the time to take risks either. But! We have good savings, a variety of investments, and for now, we’re in relatively decent health. (Well. PiC is. We have good health insurance anyway.)
I don’t want to forever take and make the safe paved roads. I want that luxury of knowing when my next payday is, sure, but that desire is cohabiting with the need to grow and challenge myself.
I, no, WE can afford risk now. Some risks. I can’t afford to ignore the spark that pushes me to try. Dendrites die when you don’t use them. Motivation gutters when ignored too long, like a fire deprived of oxygen. I’ve long considered myself an intrinsically powered person, driven by circumstances. This period is, perhaps for the first time in my life, an opportunity to try for something purely because I want to and because I want it. Whatever it is. This is a real luxury that many of us enjoy in America / in a first world nation, should we be lucky enough to be born with a few resources and have both the awareness and ability to choose to partake of it.
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