I use a budget app for tracking income and spending on a transaction basis and then keep the rest of my finances in spreadsheets.
I use a budget app for tracking income and spending on a transaction basis and then keep the rest of my finances in spreadsheets.
https://www.healthline.com/health/mental-health/how-to-survive-midlife-blues
Depending on how old you are, you might just be hitting the normal midlife low point. It hit me hard in my late 30s and I spent a lot of time reading about it once I found out it was typical. I think a lot of it has to do with the rate at which you’re experiencing milestones and life changes. It feels like you are constantly progressing in your life up to your 20s or 30s and then the time scale suddenly shifts. Things take much longer to advance - saving enough for a house or retirement, that next promotion (assuming you even want one), major family changes, etc.
Understanding that helped me recover somewhat, though it still took a couple of years. I’m still in that lull, trying to figure out what I really even want to do next, but I don’t feel sad about it anymore. I don’t know if this applies to your situation, but I found it really helpful to learn about it.
That sounds awesome! I definitely vote for clean, refrigerated eggs.
I like to keep things simple and don’t use any separator at all for time.
New users? We should ask the German communities to do the sturgeon thing again, that was fun!
If your main concern is the US currency or just wanting your money to be out of US-based assets, I believe Interactive Brokers provides a lot of flexibility to move your money between assets and currencies. You’re still going to pay taxes and be subject to all US laws.
If your concern is US involvement in your personal financial affairs…good luck. The US has tremendous influence over the global financial system and no legitimate foreign organization is going to work with you unless you have substantial assets. The few countries that do not respect US influence are not particularly trustworthy and trying to do business with them will put you at significant legal risk.
You could also try converting to physical gold, but the US has confiscated gold before, so that’s not a sure bet.
I used to work for a cable company. I remember a coworker telling me a long time ago that one of the challenges they used to have was making sure the caller’s TV was tuned to the correct channel. So, the conversation would go like this:
“Please change the channel to 27” (or any other random number that isn’t a locally used channel) “What do you see?” “Nothing…” “Good, change it to 3, now what do you see?” “Nothing…” “Good, change to channel 4” “It works!”
For those that don’t know, there was a long period of time where the auxiliary input into TVs was tuned to either channel 3 or channel 4. There was a good chance that the customer didn’t know which one was correct for their TV and would have assumed that it was already set correctly if you asked.
It’s common in the U.S., especially in apartments, to have rooms with no light fixtures. Instead, there will be one outlet that is wired to a switch by the door. That outlet is sometimes upside down to distinguish it from the other outlets. That gives you the option to connect a lamp to the switch to get the same result as having a light fixture. I would generally prefer that every room has a light fixture on the ceiling, but this is marginally better than having to walk across a dark room to turn on a lamp.
I mean, depending on where exactly you ended up, it could go either way. I’ve watched some British TV over the years and I frequently need subtitles and I assume the actors are enunciating better than the average person.
I hope you’re not using that map to navigate your new home.
Way back in the late '90s, my first apartment was a brand new development with a T5 connection (I think) that offered each unit 8 glorious Mbps. However, I needed to get that connection shared between 2 PCs in different rooms. Wifi was not an option (expensive and slow), even a router was a major financial investment for me back then. So, I bought an extra network card and a 100 foot crossover cable and ran it down the hallway.
It was so successful, that I continued to incorporate very long cables in my builds for the next 20ish years. Even today, my desktop computer is not wifi capable, but first I migrated to powerline ethernet and more recently mesh wifi with my PC plugged into one of the child nodes.
Mine is off at the moment.
I’m not sure I understand. You can stream music for free on Spotify, Tidal, Deezer, Pandora, Bandcamp, YouTube, and probably several other services. Not to mention the thousands of radio stations you can stream. It seems like there are exponentially more music streaming options compared to video. If you’re asking about sites where you can stream without ads, I’m guessing those exist too, but I suspect most people are either willing to listen to ads or pay for ad-free with one of those services.
Since it sounds like you have younger kids, I’d take a decent sized portion of it (maybe 2-8k) and use that to make lasting family memories. Seeing everything of interest in a short range (zoos, aquariums, caves, gardens, museums, national parks, whatever), more frequent small vacations (driving distance or short flights to the beach/mountains/whatever), occasional major vacations (other countries, theme parks, cruises, whatever your family finds interesting). Or investing in lifelong hobbies that you can do together, like skiing, art, tennis, restoring cars, etc.
After that, the rest I would add to my FIRE plan. It would not necessarily mean retiring sooner (though it might), but it would be about adding flexibility to my life. If my savings were larger, I could always just to dip into that to pay for college or I be better prepared to deal with an unexpected layoff or emergency.
I just tell Boone to catch up when he’s done playing with the cazador and very casually run the other direction as fast as possible…for exercise.