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Bad Habit

April 29th, 2022 at 08:58 am

I've gotten in the bad habit of waking up in the middle of the night, in which case I end up on my phone, like now.

Still no retention bonus on our checks. I believe that once is goes through the process that we will get retroactive payments, which will be nice. We were under the impression that it could happen a lot quicker than it actually has so that leaves people feeling frustrated. 

I'm still not quite sure how I would like to allocate this money. I am saving $1,000 cash monthly already. I'm not sure that I want a lot of cash on hand, but at the same time I feel like my cash reserves are minuscule compared to my investments. Perhaps I should keep building it for a future car purchase? It's either that, or fund the brokerage for a home purchase.

In hindsight I do have a little regret about front-loading my IRA in January, right before the market started tanking. Maybe next year I'll go back to monthly contributions. If only we had a magic ball to predict these things!🔮

2 Responses to “Bad Habit”

  1. CB in the City Says:

    It's not necessarily a bad habit! I recently read an article about medieval times, when it was common to refer to "first sleep" and "second sleep." Everyone expected that they would wake up in the night and they took it in stride, got a few things done. I wake up every night, too, but since reading that, I just accept it, and yes, I look at my phone. I'm actually sleeping better now that I don't stress myself out about it.

  2. rob62521 Says:

    That's interesting, CB.

    I have found as I have gotten older, I often have more trouble sleeping. Not to say you are older, but just a comment on my own life. I also try to stay away from electronics even if I wake up. Something about the blue light they show keeping your brain up.

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