I went home last weekend for the combined Father's Day/Juneteenth holiday. As a federal employee I was off on Monday.

I didn't plan Father's Day well. I thought we would go to the movies on Sunday since I figured the restaurants would be busy, then to a restaurant for lunch on Monday. We ended up doing the opposite. When we showed up to the theatre on Sunday I realized that I should have bought tickets in advance because the seats for Top Gun were sparse and not in a good location.

We ended up purchasing tickets for the next day, then getting take-out from Texas Roadhouse. My parents love Texas Roadhouse and order from them often. I avoid restaurants on busy days because of course, they forgot the butter and sour cream for my loaded baked potato. Also, my steak was a little undercooked. And my dad's baked potato was black through half of it. A little disappointing.

We loved Top Gun. I thought by waiting 3 weeks we would avoid crowds, but I realized that many were seeing it for a second time. I could definitely see it again myself. I think my parents thought it was a bit too long. My mom has pain when she sits for too long so she kept going back and forth between reclining and sitting upright. She still enjoyed it & was excited to tell the kids about the movies afterwards. I don't think their parents will let them see it until an edited version comes out. They are very conservative. Understandably so. 

And to make this blog financially related, I got a nice surprise on my paycheck yesterday. The 10% retention incentive did increase with my step increase. They told me that it wouldn't increase with any future increases, but would stay the 10% of my salary at the time. This is promising if we get a special salary increase this year. 

I wrote a blog earlier this week regarding my car maintenance & it seems to be lost. That's so frustrating.

Anyway, I spent $281.42 on my scheduled 70,000 mile maintenance for my 2015 CR-V. That included some extra things like patching a tire with a nail in it & replacing windshield wipers which were badly in need of replacement.

I guess you would consider this a splurge as I always get my maintenance done at the dealership. When I bought my first (used) car I used to get my service done at Wal-Mart, but since then I have always gone to the dealership. I think it's worth it in the long run. I don't have any problems with my car & I'd like to keep it that way.

When I was almost to work the tire pressure light came on. I was frustrated because I figure they either didn't correctly patch the tire or they just forgot to check the tire pressure on all tires. The service rep gave me his card with his cell phone number so I called him. He said to just reset it. I didn't think of that since the light didn't come on immediately, but only after driving several miles. Anyway, it worked. Lesson learned to always just reset the tire pressure even if I don't think it will change anything.

I was worried that my tires were worn & needed replacing. They checked the tread as a part of service & they are fine for now. I'm glad that they do that as part of their checklist because I forgot to ask, even though it has been on my mind for a while.

This month has had some big spending due to work expenses, most of which as being reimbursed for our laboratory's recognition week. I also paid the first installment of next season's theatre tickets.

I'm excited about the season which includes: Six, Moulin Rouge, To Kill a Mockingbird, Lion King, Tina, Pretty Woman, Jesus Christ Superstar, and Fiddler on the Roof. I passed on the season option of How the Grinch Stole Christmas. I've seen it before (as I've seen many of these shows) and the holidays are busy enough as is. If the Christmas show was White Christmas I probably wouldn't pass it up. I love that movie. ☃️ 

Our Easter was nice & quiet filled with good food and beautiful spring weather. I love this time of year before it gets crazy hot. I am trying to think of a getaway before the temps start rising. I would say Maine, but we already have our trip to Maine booked for this fall. I am looking forward to it, rustic as the trip may be. I have been wanting to visit Maine for a while. Maybe I will venture further north, like Quebec. 🇨🇦 

We have not yet received our retention incentive, but I continue to work overtime and my PRN job. This month is also a 3 paycheck month, so yay! I'm not making any big money moves right now, but I may get back to adding to my brokerage account for a future home purchase. Right now it stands at $75k.

Another payday and I had forgotten how nice it is to have the ability to bring in extra income when needed. This Saturday I'm going in to do more training at my PRN job, then Sunday I'm working OT at my FT job. My weekend partner - I'll be working the weekends opposite her - is on the schedule to work weekends through the end of April. That's great because it means plenty of training time for me, as well as I don't have the obligation to work Easter Sunday. 🐣🐰

Our incentive pay wasn't on this paycheck, hopefully it will get coded in time for the next paycheck.

I am home today awaiting a furniture delivery. I ordered this furniture in August & it was supposed to arrive back in October/November. They still have to replace the damaged furniture delivered in October, but I just got another notification for a delivery next week. I wish they could have gotten it all coordinated for one delivery, but I'm just glad to finally have everything taken care of. My sister had to just sleep on a mattress when she came to stay with me at Christmas. 

The market has been up, but who knows for how long in these times of uncertainty. I had been avoiding news, but when at my parents' this week I watched the news with them. It's horrifying what's happening in Ukraine. I pray that this conflict & others come to a swift end and that justice is done to those that perpetrate violence. 

On January 31st I interviewed for a PRN job. On February 1st I got a call from the recruiter that they were offering me the position. On February 1st, President's Day, I went in for a few hours to speak to my new supervisor & read over SOPs. I'll be going in tomorrow morning to start my training. I've heard that it's not too stressful of a job & the pay is better than my last hospital PRN job at 28% more per hour. The weekend shift differential is just slightly less.At my last hospital PRN job I also worked alone in my department while at this job there will be 3 working in my section. That is nice to have. I'll be working every other weekend with some flexibility if I have plans. While I did enjoy working just one job, I'm looking forward to having a little extra income to play with.

My investments are down over $100k from the high in November. I'm not worried, but I was sooo close to hitting the $1 million milestone in my TSP. A little disappointing, but I'll know that I'll get there eventually.

I am praying for the people of Ukraine and for peace. It's a very scary time for many people.

Happy New Year! I wish you and yours happiness & health in 2022. I meant to post at least once in December, but with the busyness of the holidays time got away from me. 🎄 

I celebrated a birthday last month. I celebrated by going out to lunch with my parents. They rarely eat out since the pandemic began & with Omicron I doubt they'll be doing it again anytime soon. 🎂 

My sisters came home for Christmas. It was so good to see my niece & nephew for the first time since Christmas 2019.  My younger sister flew home, while my older sister & her family drove from Virginia. We had an outdoor Christmas Day gathering with extended family. For once I was thankful for a warm Christmas! The high was 80 degrees here on Christmas Day. ☀️ 

I leave Wednesday for Nashville. There's a 40% chance of snow there on Thursday. I'm looking forward to my trip. I ordered some KN95 masks to wear. While I wore cloth masks in New York & was fine, with this new more contagious variant I thought it would be good to get more effective masks. Where we are going is requiring vaccination for entrance & I'm thankful for that. 😷 

I did my budgeting this morning since it's the first of the month & year. Nobember & December were high-spending months. I appreciate the cash my parents have me for my birthday & Christmas. My investments grew over $56k last month. I placed a trade for $6k to my IRA today. I was going to do $500 monthly contributions, but got inspired to go all in today. 💰

I get an annual raise of 2.2% in the new year & I will get a step increase in June. I have increased my retirement contributions to meet the $20.5k limit this year. I decreased my FSA contributions & I hope I don't regret that. It's always a gamble as you never know what will happen. I appreciated when they allowed us to change our allocation mid-year. 

Net Worth $1.388 million 

Investments $1.340 million

I see the website has been upgraded in my absence. I like what I see so far!

I hope you had a Happy Thanksgiving. Ours was quiet as usual. We continued our new tradition from last year of Rock Cornish game hens instead of turkey, along with ham, cornbread dressing, carrot soufflé, and my homemade cranberry sauce. I usually do the fresh snap beans with potatoes & bacon, but my dad said to just cooked the stir-fry veggies we had in the freezer. Fine by me! Everything was delish & I'm eating my leftovers today. 🍗🍖🥕

My last two paychecks have had OT on them & that adds up quick. I'm always surprised by how much of an impact it has, but at a rate of 1.5 pay plus the shift differentials, it is significant. Much better than my pay when I had two PRN jobs. Work is about to get busier as my lab manager retires at the end of the year & I am the assistant lab manager. 

I traveled for the first time since 2019! My friends & I met up with my sister in New York. We had a great time. We saw 4 shows, ate great food, & did a ton of walking. 🍎🚖🗽

I have two more trips booked: Nashville in January & Maine next fall. 🎸🪕🦞⛵️ It is also my parents' 50th anniversary this summer so we may do a family trip.

I thought I might hit a million dollars by the end of the year in my TSP, but then the market pulled back due to Omicron. It still may hit those elusive 7 figures in 2021, we shall see. 

Yesterday I went to Hobby Lobby & Michael's looking for a Christmas tree. I had thrown my tree out last year as it had seen better days. I got a 7.5 ft pencil tree at Michael's and a tree skirt at Hobby Lobby. Michael's was much less crowded than Hobby Lobby. The pencil tree will take some getting used to, but it's decked out in rose gold, gold, & silver this year. It's a very pretty color combination, if I do say so myself. 🎄

My birthday is next week & I will probably have a quiet dinner with my parents. 🎂

Yesterday I got my both my CV19 booster shot as well as my flu shot. I went to bed early last night. Woke up just before midnight with all the symptoms of coming down with something. I am achy, chilly, tired, have a headache, & my arm is pretty sore. Then this morning they started working on the roofs before 7. I hope this banging won't be going on all day long. 🤕

Today is a 3 paycheck month. I'm going to transfer some more money to my brokerage account for investing. At least $3k. The market is a little shaky with talks of a government shutdown, but I know it's best to stay the course.

Thursday afternoon my apartment complex got back power. I was so grateful! I never realized that I could sweat so much doing absolutely nothing. And then to add insult to injury, it would be hotter inside than outside! I now have all my creature comforts back: air conditioning, hot showers, & internet to binge on Netflix. When I moved I got rid of cable & got first an antenna (tried 2 & returned both) then I got a Fire Stick. I loved it so that I am getting one for each television.

The day before I got power I had met with a friend that came into the city. She does insurance claims so she was deployed to New Orleans. She had been in Lake Charles still working on Hurricane Laura claims. I borrowed a battery fan & lantern from a mutual friend of ours. She also lent me another lantern & several batteries. I was so thankful. Tuesday night I would wake up as soon as I fell asleep due to the heat. Wednesday I finally had a restful night. But I'm happy to longer need any of it!

My closing has been rescheduled for this coming Friday, the 17th. I hope everything goes smoothly over the next week.

I was scheduled to close on the condo this Friday, but it has been delayed due to the lender not having everything accounted for. I'm disappointed as I was looking forward to closing that chapter & getting some cash to invest, but I have no other choice but to be patient. It was a rather short closing date target to begin with, maybe a little too ambitious.

I came back to the city yesterday morning. My apartment complex has few residents staying here. It makes me feel a little nervous, but I don't get out after dark. We are still under a curfew from 6p-6a.

Last night without power was miserable & it looks like it may be a week or more longer before I get back power. Outside my window is the Jefferson Parish office buildings which ran on generator power all night. So close, yet so far away. I was envious to say the least.

My friend is an insurance adjuster & she got into town last night. The Air BnB where she is staying got power a few hours after she got into town. After work I went by & picked up a battery operated fan, batteries, a couple of lanterns, & some hurricane snacks. So thankful for her & the mutual friend that lent her the fan. I am now shopping online looking to buy the same to get me through the next hurricane. 

if I don't get power back by Friday I will head back to stay with my parents for the weekend. I can sleep in peace for a few nights & wash my clothes.

My loved ones are all okay. We lost power for less than 24 hours at my parents' home. My apartment is without power & under a boil advisory for the foreseeable future as is most (all?) of Jefferson Parish. I am back at my parents' home after venturing into the city to check in at the hospital. After I learned of the water situation I requested leave for the week. I hope the situation will be better in a week, but as I understand it, it could take up to 6 weeks to get the power fully restored in Jefferson. With a boil advisory I would need power for my apartment to be habitable. There is also a curfew from 6p-6a daily. I just left my apartment at 6p yesterday, after picking up some things & cleaning out my refrigerator. There was no way that I was staying the night. I'd rather risk getting stopped, but thankfully it was smooth sailing all the way back to BR.

New Orleans had a total black-out after the storm blew through & the mayor is asking people who evacuated to not return. I was told there was some looting going on, which is another reason I wanted to leave before dark.

It's still hard to get gas in Baton Rouge, but it is available if you're willing to wait. I don't plan on going anywhere until maybe Laber Day so I'll wait. Hopefully it will be more readily available. 

This truly was a devastating storm. Thankfully there were not many lives lost, but the damage to infrastructure is pretty significant. The (huge) bright spot is that our levees held.

I will see if anything gets postponed with my condo sale. I went by yesterday morning after the storm & all looked well.

We have a hurricane headed this way. It is expected to make landfall Sunday as a category 3. I am prepared as I am going to be at the point, but I will make one last trip to the store & gas station when I get off work this afternoon. Hopefully it won't be too crazy. I just want to grab any last thing that I can think of. Stay safe with these fires & hurricanes out there! 💨🔥

I was off on Monday. Tuesday morning we had a supervisors' meeting then I met with my supervisor to discuss updating a policy. My mom called & left a voicemail during the meeting. Then my dad left a text message to call them. I excused myself from the meeting then as I knew it was something urgent. When I called my mom told me that my cousin had passed away. She & her fiancé had tested for Covid-19 & were recovering at his home. She lives with her parents, but once they tested positive she moved out to quarantine. On Monday she started to feel bad, then that night she started to have issues breathing. By Tuesday morning she was gone. It took her just that fast. She was 41.

My aunt & uncle lost their youngest daughter at the age of 30 only 3 years ago. Two of their three children gone in just 3 years. It seems unbelievably cruel. My uncle had C19 last fall & was hospitalized twice. Once for the virus, the second time for getting a blood clot due to the treatment. He was taking all precautions & had no idea how he got it.

I last saw my cousin on May 1st when we had an outdoor birthday party to celebrate my aunt's 70th birthday. She was beautiful inside & out and had her life ahead of her. Her doctor recommended she not get vaccinated due to having Crohn's disease. I don't know what concerns her doctor had, but hindsight is 20/20. I wish she had been vaccinated.

I am off this coming week because I was preparing to move as I have been for weeks. The funeral is Wednesday night in New Orleans. I will attend, but I'm nervous about my parents attending even though they are both vaccinated as am I. I will drive back to Baton Rouge that night, attend the gravesite service in the country the next morning, then head to New Orleans to start moving into my apartment. 

I pray that you & your loved ones remain healthy.

I notice that employers are trying hard to recruit employees. Costco upped their minimum wage to $16 & Wal-Mart has a minimum wage of $11. McDonald's is starting at $10 and is even advertising paying workers daily.  Last time I went to Wal-Mart there were signs advertising $13-21 for overnight stockers. These are really good wages for my area.

It seems employers are going to effectively raise the minimum wage even if the government can't seem to find consensus. And the more they raise their wages the less $15 as minimum wage seems a pipe dream as it once did. I think a split between current minimum wage & $15 should be easy to pass now. 

As for my own wages, the President has proposed a 2.7% raise for federal employees, which would be nice. If I get a promotion that will be a nice bump on top of that raise with another step increase to come in a year's time. I won't be making 6 figures, but I'll be close enough with working just one job.

My investments are up $8k this week. I hit $1.3 million net worth and $1.165 million in investments. I should hit $15k in savings this month before I quit my second & third jobs. I already sent off my resignation letter for my weekend job at the hospital. 

I took advantage of the new special enrollment period for my FSA plan in order to increase my contributions. I did not expect to be in physical therapy for months, have so many doctor visits, and need an MRI back in December. I have several claims that were approved, but not paid due to NSF. Now I'll be reimbursed for those expenses. Did you make any changes with your FSA plans?

Have any of you read this book by JL Collins? There's not a lot of new revelations & concepts that I haven't read in other books, but I love how he articulates the importance of having money so you aren't beholden to anyone.  He calls it F U money. I like to thing of it as "forget you" money. 

While I love the idea of the security of a pension in retirement, it does not truly keep me at my job. It's definitely a factor, but if I was hating coming into work I would be exploring other possibilities. I continue at the VA because I love our mission, even when the bureaucracy frustrates me. At heart, it is the core of what we do: to care for our veterans. It is a noble cause if only we remember it.

And in honor of that, let us remember our fallen today & everyday, but especially today. May you have a peaceful Memorial Day. 🇺🇸 

The market is closed Monday so I can make my end of month review for May now. I am at an all time high in my investments. I close the month of May with $1.158 million in investments and a net worth of $1.292 million. I was able to add an additional $2k to savings in addition to my regular $500 monthly contribution. Next month I hope to hit $15k in savings.

I plan to work my additional jobs through June then just work my full-time job. I may pick up another job in the future, but I have no plans for that at the time. 

In the midst of everything else going on, my Capital One Credit card was hacked! I got an alert asking if I had tried to make a purchase at LA Police Gear. I responded no & immediately opened my app to review purchases. They had made several purchases at online gun & tactical gear websites. This alarmed me & I contacted Capital One and several of the vendors immediately. 

I'm getting a new card, but this worried me because of the type of purchases. I certainly don't want anyone planning anything criminal with these purchases.

Today we finally had our lab inspection. It went great! I'm so glad that it's over. Biannual inspections are so nerve-wracking for me. I have actual physical symptoms from being so anxious. 

We switched from College of American Pathologists to the Joint Commission for our inspections so this process was entirely new. Instead of a team I only got one inspector at the clinic.

It was a much more educational process & I thoroughly enjoyed all that I learned from my inspector. Although we are the same age she has such an impressive career already. It makes me look forward to progressing in my own career.

We only had one finding & it was such an easy one I could kick myself, but I'll never make that mistake again. I am so relieved & I wish I could celebrate with a glass of wine, but I'm off to work tonight. Maybe when I get off I can properly celebrate!🍷 

I've tried to write this blog a few times this. Every time I thought to do it I felt exhausted thinking about it. I'm lucky that I didn't drown or flood, but it was still quite an experience to process.

I'll say I did know that we were expected to get heavy rains Monday night with chances of flooding. That's not unusual for this area. I've just never actually been caught in one.

I left work Monday night/Tuesday morning at half past midnight. It was raining, but not as heavily as it had been. About half way home I start seeing a lot of emergency vehicles. For part of my trip home briefly get on the highway that runs the length of town. I was quickly detoured off the highway as soon as I got in. As I got on the service road I realized that the medians were now lakes of water. There cars submerged with their lights still on. It was a scary sight to see.

I made it back on the highway where they allowed us & took the next to last turn to my home. The water was heavy on the road, but passable. Before I could turn on to my street I realized that it wasn't passable. Cars were already flooded out. Water was rushing into a store to my right. I turned into a parking lot to my left, which was the higher side of the road. I was so close l, literally just around the corner m, but couldn't make it. I got in the Next Door app & realized that all routes to my home were flooded.

I got out of my car thinking to walk it the short distance to my home. No go...water was too high & I didn't know what was in the water. After 1.5 hours I decided to backtrack after checking the roads. I was going to attempt to make it to my parents', but every route was blocked (I tried 5) & they shut down a portion of the interstate. 

I turned around & headed back to the open gas station that I passed. I had a bathroom, food, & water. I napped intermittently in the back seat of my car until light broke.

I went back & the roads were clear of water, though full of abandoned cars. I was able to get home, take a shower, get dressed, then head straight to work. It took me 1.5 hours to get to work. Usually a 15-20 minute trip. 

On my way to the clinic we had to turn around at an underpass that was full of cars. They found a young man in one of the SUV's that had attempted to make it through the water. So tragic.

After a week of rain we finally have sunshine today. I worked late again last night until 3 this morning. I slept in & now will attempt to do some cleaning. My rug at my French doors was full of water. I was able to hang it out today. I am mopping the floors as the smell lingers. I definitely will be purchasing that awning very soon. I'm hoping to take a few days off to take care of some things after our inspection this coming week.

All 3 of my pay days fell on Friday this pay period. I received enough to cover my bills for the month plus a surplus to save yesterday. When I get paid again in 2 weeks that will be all surplus to savings.

I made my initial savings goal last month ahead of my December timeline, so I'm working on the next $5k benchmark. This will get me to 5 months' expenses. I may achieve that goal next month at current savings rate. I don't see a reason to save beyond $20k with a very stable, in high demand job, but the surplus could be for my next car purchase, which is always inevitable.

I would like to take a short trip after this inspection, but I'm not sure where. I could also use a staycation to get things done around the house, but a change of scenery would be nice. Maybe I could do a little of both.

The market was a little all over the board this week & so were investors. Times like this I try not to read my investing groups too much because some people are so easily rattled. I started investing in college during a downturn so I'm not too bothered by the ups & downs. I survived 99-00, 08-09, 17-18, 20 and I'll survive this blip even if it turns into something major. I'm 14 years out from retirement with my current plans & I will have a pension to anchor me so I'm riding the waves. For once international stocks are doing well so I'll take those gains while I can.

It's my nephew's 8th birthday today. Time really does fly by. It feels like he was just a baby yesterday. I remember how much he loved to be held. Those days are so sweet. 💙

I wrote a really long blog & it all disappeared. So frustrating, but I'll at least re-write about my Facebook Marketplace sales this week. It's been my first week offering shipping & I get inquiries all day long. I've made 5 shipments and made $318.03. People are really into their Yankee Candles! I did have one package arrive damaged with broken candles. I was so upset for the customer. She really wanted those discontinued scents. I packed the box very well with a ton of bubble wrap between, under, and on top of the candles. From the damage I saw I believe it was dropped/thrown from a truck despite being marked as "fragile". I submitted an insurance claim for $50 and refunded her money. Candles are super expensive to ship. Shipping them any way other than flat rate priority mail in bundles isn't cost efficient, so I encourage buyers to buy in bundles of 4.

My dad & I are on our way to my aunt's 70th birthday party today. Feeling a little sleepy after another late lab night, but I'm sure I'll wake up once I get to see family & friends that I haven't seen in over a year.

April was a good month financially. I worked a lot, but I saved a lot as well. $2,250 to my TSP, $4,500 to my savings, and $500 to my Roth IRA. What a difference a year makes! Last year at this time I was still paying off a car & TSP loan and was only saving $100 a month toward my savings. 

In other news, I had an interview Monday! Short notice as a key person on the interview panel was leaving on vacation so we interviewed the same day. I hate interviews because I always think of the perfect thing to say after the interview. That's even with prepping myself. My manager said that she felt it was a good interview, though, and 2 of my references told me that they were contacted. So I wait & hope for good news. 

I worked another late, stormy night with bad weather. There were tornado warnings & my mom texted to see where I was. I told her I was at work & she told me that I should stay there for a while. I told her that I had my co-worker there (I always work alone except for last night) and we were going to be there a few more hours. I ended up leaving after 2 a.m. and he was hoping to be gone within the hour. The rain was pretty heavy, but not nearly as bad as the storm a couple of weeks ago. 

My co-worker was doing a big batch run (almost 200 patients) on the PCR analyzer while I was doing smaller runs on the quicker, but smaller capacity analyzer. They want me to come in again this afternoon/evening. We are staying so busy because we contracted with a film company. We are testing the entire cast & crew multiple times a week for COVID-19. Great for my cash flow, but I'm a little tired. I also have a 12 hour shift at the hospital tomorrow.

We had a quiet, but nice lab week at the clinic. I was talking to my manager about how event planning isn't my forte. She felt the same, but we got it through it successfully. On the career front, I qualified for an interview for a potential promotion. I owe a lot of people my thanks in the entire messy, complicated process. Our biannual lab next inspection has been scheduled & I'm looking forward to getting past that successfully. 

My investments are at an all time high. I don't know where things will go from here with the changes being proposed, but I'm just chugging along & staying the course. I continue to vacillate between staying or selling my home. I am consistent about wanting to move forward on a few needed repairs, though they may wait until work is a little more settled.

Investments $1,143,270

We had a good time celebrating my friend's birthday. The morning started out cool which was good, as it warms up quickly here. Even the drive there was enjoyable to me. I haven't been out of town since since March 2020. We met up at the parking garage then walked to the street fair downtown. It was 7 of us, as 2 weren't able to make it. Only one of us hadn't been vaccinated. We wore our masks. We had lunch at a restaurant under their covered patio. We shopped the street booths, took in some sights, then headed to an outdoor museum of an Acadian village. All in all it was a very enjoyable day & it was so good to be among friends again. I didn't find anything that I wanted to buy so it was the cost of lunch, museum entrance fee, & gas for the hour drive that was my total cost. It was worth every penny!

It's 10 o'clock in the morning & I'm just waking up. I didn't getting home until after 4 this morning, after getting caught in a horrible storm. So thankful to have made it home okay. I left & it was raining, but not horribly. By the time I got halfway home I had little to no visibility due to driving rain coming in waves, lights were going out as I drove putting everything in complete darkness, & the winds were terrifying: knocking traffic lights askew & debris across the road. I was shaking & praying the whole time. When I got out of my car I could barely see to unlock my door & I got drenched from head to toe in a matter of a few seconds.  Still thanking God that I made it home safely. I never want to experience something like that again.

I worked so late last night (or rather this morning) because my third job picked up a major client. Just when I thought things would be slowing down due to vaccinations, I learn that not only is the Covid testing picking up, but also we will be getting mass collections. I worked every weekday except Good Friday & this Thursday and still made over 55 hours. That's the most I've made since I got hired a year ago & had to put in training hours. Thankfully I didn't pick up many hours at my second job. The only thing keeping me at my second job at this point is that I genuinely like the people. 

I'll definitely have a nice chunk of change to send to my savings this month. I get 8 paychecks this month! My checking balance is at over $11k as I continue to have surpluses in my budget. My goal is to keep it at least $5k to avoid fees. As much as work I can't outwork my investments! They continue to grow. This week was a good week for the market, though Friday ended a little down. It's exciting to see people meeting big goals. I saw a few people become TSP millionaires this week. I know I'll get there, too. 

Today I'll stay mainly close to home, cleaning up around my home. I'll also stop by to visit with my parents. Tomorrow I'll meet up with several girlfriends to celebrate a friend's birthday. It's my first social gathering in over a year. The birthday girl is staying two hours away, so we're splitting the distance and meeting up at a street fair in a city an hour away. We wanted to stick to something outdoors for safety, though I think most if not all of us have now been vaccinated. I hope the weather cooperates! 

Net Worth: $1,248,369

I was just reading this article:

https://www.cnbc.com/2021/04/07/biden-tax-plan-may-spur-boost-in-roth-retirement-accounts.html?fbclid=IwAR3ktxa8YcXrwoDfM9XMdZ-z-bEmV97gHHwJvnFbSoR5dlbUel-ldHLqqZE

Some of these changes would negatively affect me. The change in tax deductions  on the retirement accounts as well as the estate tax.

I could easily see myself leaving having more than $3.5 million in my estate. Maybe that will just inspire me to spend it down in my old age! Hopefully they will meet somewhere in the middle of $3.5 and $11.7 million.

I also am in the 22% (probably more like 24% - I need to check my 2020 tax year H&R Block documents) marginal tax bracket so only getting a 20.5% credit would lower the tax advatange for contributing to my TSP. In a sense it violates Biden's promise not to raise taxes on those making less than $400k.

I definitely support making saving more advantageous for those in lower income tax brackets, but also know the reality of Americans' savings rates. Will that many more people contribute based on the change? So few contributed to Obama's MyRA program that they had to close it down due to costs.

I'll be keeping an eye out for other proposed changes.

I wish you & yours a wonderful Easter! Spending my day with my parents. We're having much of what we had for Thanksgiving & Christmas. I also ordered a strawberry pie from a local bakery. It's a light whipped dessert made with cream cheese & perfect for spring. The bakery was so busy yesterday! 🥧🍓

I attended an evening service at church yesterday. It was my first time in church in months, my first time since I've been fully vaccinated. It was a nice service & I hope to start attending more often. ⛪️ 

I have applied for two promotions at my workplace. I would be happy with either one, but I am leaning towards the one that is more computer than lab. My co-worker has recommended me for the other position, however. I am honored that he thought of me & put in a good job word for me with my xxxxxxx. My xxxxxxxalso called to ask if I had applied for either position & seemed pleased when I told her that I had applied for both. Our xxxxx xxxxxxxxxxx has also inquired as to whether I would be interested in other positions. So fingers crossed & prayers prayed that one of them works out. It's funny, but just the thought of the opportunity to move up has made my days better. This week in particular has been peaceful, even though I've been crazy busy. I really just want to go out on a high note with a good inspection.

I made a lot of changes when I became lab supervisor. I had to take a fragmented lab & make it a cohesive core lab. None of the changes were easy & I didn't always have the support that I thought I should have, but I'm super proud with how I persevered. I learned a lot about myself & my character. I found out that I was a lot stronger than I thought. It has given me confidence.

The promotion would come with a small raise. No raises are big in government work, but it's sufficient for me. 

I haven't done anything with the gift from my mom. I'm just sitting on it until I decide what to do. I think I'd like to fund my IRA for 2021, but maybe I should wait for a little downturn in the market.

I can't believe that it's just over one week until Easter! Time is flying by.

It's frustrating that this keeps happening.