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1 Year post-FIRE report (spreadsheets and graphs included)

Introduction:
I’m 34, male, single and as of 1 November this year, I have officially been FIREd for 1 year. I did not create a FIRE post when I pulled the trigger because I actually was laid off from my last job a couple years before I had originally planned to FIRE. I did not really feel motivated to look for another job right away so after looking over my finances, I determined that I was leanFIRE ready and decided to go for it. I chose to use my first post-FIRE year to determine a. Whether my lifestyle was financially viable and sustainable, and b. Whether I actually enjoyed the FIRE lifestyle. After 1 year the answer to both these questions is YES and here is my 1 year post-FIRE report. It’s going to be lengthy.
I will bold the different sections if you want to scroll down and only look at the ones that interest you.

Supporting data spreadsheets and charts.
My current net worth breakdown, pulled from personal capital which I use to track my accounts:
https://imgur.com/fWu4H6b
Chart tracking my net worth over the last year, also pulled from personal capital:
https://imgur.com/73ilZYq
My Personal Budget Spreadsheet: NOTE, this does not track my real time spending, only projected based on what I have been spending so far. You’ll see why I did not track my actual spending later on in this post. My bank account also has its own spending tracker that I use to monitor my spending and I used that date to create this budget. It is more or less on track with my actual spending with minor variations depending on the month.
https://docs.google.com/spreadsheets/d/1hHsGaJWUcv7S_zQcCu8h8nRVWrTWA9arC-vXol7kKLA/edit?usp=sharing
Expenses/earnings for my duplex this year (personal information deleted):
https://drive.google.com/file/d/1nbWJeOUiSXYuNvnnHclBhMd_8Uq3F8HA/view?usp=sharing
Debt is $0, no car payments, no mortgage, nothing.

Brief bullet point breakdown of how I reached FIRE:
-9 years in the Army as an Officer after I graduated college, 3.5 years of that spent overseas (combat deployments earn bonus pay and salary is not taxed)
-Low spending, high savings, aggressive investment into the stock market starting in 2009 (almost exclusively index funds), and all throughout the bull market recovery over the following 10 years. Savings rate ranged from roughly 30% (early in my career) to 95% (during a year of combat deployment in which I spent almost no money as I was living in an Army base in the desert with no bills to pay and not much to spend money on)
-Always looked for ways to save money, cut my own hair, made my own lunches, took advantage of military benefits such as the GI Bill to further my education for free, didn’t make a purchase if there was a free/cheaper alternative etc.
-Left the Army due to health issues, received military disability, which makes me eligible for VA healthcare as well as receiving a monthly disability check.
-Got a job as a manager for a manufacturing company for 1 year after the Army, but was then laid off due to restructuring. Decided to leanFIRE early after that as opposed to finding another job for another couple years.

Major financial events over the last year (tldr at the end):
Buying a new property:
So, after I decided to FIRE, my first major decision was to buy a permanent home as I had been renting all of my professional career due to moving a lot in the Army. I decided to purchase a duplex/multi family property so that I could live in one unit and rent out the other for additional income. I ended up getting one for cheap because the previous owners had not maintained it well and it needed a lot of cosmetic work, but structurally it was fine.
The building had 2 apartments, a 1200 square foot apartment that a family of long term renters lived in (they had lived there 12 years and raised their kids there, they had paid rent on time and taken pretty good care of their apartment, at least considering how little the landlord had done). It did have a number of issues though, they had pipe leaks, a broken dishwasher, a toilet that needed replacing, a few holes in the walls that had never been patched up etc.
The other unit was an 800 square foot apartment that was in very bad shape, lots of water damage/mold that needed to be completely renovated (walls, floors, kitchen/bathroom cabinets) pretty much the entire apartment needed to be stripped down and redone. There was also work that needed to be done on the outside of the house such as broken gutters, a broke down shed in the back that was just a pile of scrap and other stuff.
The property was valued at approximately $117,000 according to tax estimates, the owner had it on sale for $111,000, and it had been listed for almost half a year (most people don’t want to own a duplex and have to fix up a lot of issues after buying a house). After a lot of haggling back and forth, I bought the property as is for $90,000. This also is why there is a jagged “slice” in the first part of my net worth chart, where I sold investments and then added the value of the property shortly after.
The negotiations took place at the end of 2019, but I scheduled the actual sale to happen in January, reason being was I was planning on selling off investments to pay for the house in cash, but as I would be earning no salary in 2020, my taxes would be very low for my long term capital gains. Everything with the sale went smoothly. I worked with a real estate agent that I got through a Army Veterans housing program who had worked with Soldiers before, solid guy, would recommend.
Renovation and Flooding:
From January through May I had the house renovated, fixed a LOT of issues. Everything was perfect, I fixed all the major issues in the renter’s apartment (they were very happy) and completely redid the 800 foot apartment which I was going to move into, new floors, walls, ceiling, kitchen, bathroom etc. Took a video of a walk through of it to show off to my family and had my move in date scheduled.
The DAY BEFORE I was supposed to move in, the area was hit by the worst flooding in about 14 years. While the flood did not directly flood the area where my house was, it turns out there is a drain right outside my apartment (which is much lower elevation than the tenants apartment) that led straight to the river, when the river flooded it pushed water up the drain and into my apartment. I rushed down to find 4 inches of standing water in my brand new apartment. I cancelled the move, bought a pump to get the water out and called servpro for water damage cleanup. Brand new flooring and cabinets had to be replaced and the walls had to be cut into about halfway up because they had soaked up too much water. This was not only expensive but soul crushing as well, my brand new apartment was wrecked.
Second renovations happened from May-June, I salvaged what I could. I didn’t want to buy brand new cabinets/counters all over again so I reused what I could, but it definitely lost a lot of the “brand new” feeling that it had had before.
Anyway, the move in finally happened at the end of June. I had also been renting an apartment during the whole renovation process, so was paying rent and apartment utilities from November 2019 through July 2020 on top of everything else.
Tldr:
Bought a duplex for $90,000, valued at $117,000, but it needed a lot of repairs/renovations. Long term tenants already living in one unit.
Spent roughly $23,000 on the first set of renovations to fix up both apartments.
Area flooded, flooding my new apartment.
Spent roughly $17,500 on the post flood cleanup and second round of renovations
See expenses/earnings spreadsheet linked at the top of this post for more details.
Also spent roughly $7,000 on rent and utilities from November through July for a place to stay while renovating the new place.
Amazingly, even though I was spending a large amount of money during this time, my net worth still continued to increase (see the net worth chart) thanks to the market continuing to grow.

Current financial situation (see earning/spending spreadsheet for full budget breakdown):
Current annual income (Sources are Investment dividends/interest, rent and military disability):
~$31,000
Estimated annual expenses (not including unplanned expenses)
~$15,000
After all the ridiculous amount of spending I did during the first half of the year (And also why I do not have a spending tracking chart as it would look bonkers) I have now settled down into a regular schedule. I am continuing to be thrifty, as it’s the lifestyle I’ve lived for the last 10 years and is routine now. Thanks to my 3 streams of passive income I am now actually generating more income than expenses.
I’ve tried to make my budget as detailed in terms of planned expenses as I can, but there will always be outliers. For example, due to how unusual my finances are this year (no salary, huge sale of investments, purchase of property and many tax deductible repairs) I’m hiring a CPA to do my taxes for the first time. It will cost $400 for him to do my taxes, and I also had a 1 hour meeting with him in which I asked him a whole bunch of tax related questions regarding my current citation, which cost another $200. After this year I expect I should be able to go back to doing my own taxes as I have in years past, so this expense is something that lies outside my normal planned budget. But even with these one time/unexpected expenses, I’m still very much in the green in terms of my budget.

Satisfaction with the FIRE lifestyle:
I am a very unusual person, in that I am quite happy being by myself 95% of the time. I’m also very easy to keep entertained. Books/audio books, movies, TV shows, games, most of my entertainment is digital. And it’s actually only in the last year that I’ve realized just how vast the amount of entertainment that there is available. I’ve got a giant list of TV shows, movies, books, games that I’ve been interested in consuming, and if anything that list has only gotten bigger over the last year.
I also find myself mini-side projects to occupy myself with. For example, I joined an online consulting website early in the year where you post your resume and companies will contact you if they want to get feedback/testing on a product/website/procedure that they have. Given my experience in the military and logistics, I was able to enter a few of these interviews/testings, and also make a bit of money on the side doing it. Naturally, as my skills deteriorate, I’ll be less eligible for this type of thing but it was fun.
Over the last year, I honestly can’t think of a single moment where I thought to myself “I’m bored, I’ve got nothing to do”. If anything I’ve spent many late nights absorbed in something (which is ok since I can wake up whenever I feel like it now).
And afternoon naps, they are a thing that I love so much. When I was in the military I would typically get up around 5:30-6:00 in the morning, go exercise with my unit for an hour, then showechange and jump into the work day. It would usually be right after lunch when things had calmed down a bit that I would usually start to get drowsy and would have to stay on my feet so that I wouldn’t risk dozing off if I sat down. Now if I’m tired after lunch, I can take a nap and it’s awesome. It does wreck my sleep schedule on occasion though.
Retiring right into the middle of a pandemic has not been ideal of course. I did want to travel a bit after retirement, there are a number of annual conventions/conferences I’ve always been interested in but never attended due to my focus on work. They are a no-go this year and probably next year as well. The same goes for socializing, while I’m perfectly happy to be alone most of the time I do occasionally want to engage in social activities. When I was in college I was big into pen and paper role playing games with a group of friends but have not gotten involved in it since then. There are a couple gaming stores in town but they have shut down during the pandemic. Fortunately I found a website that lets you form/find groups of people to play with online, and there are a number of digital tools that let you create characters, maps, roll dice etc. So I’m now part of a weekly online gaming group that are currently deep into our first campaign together. It’s great fun and fills my social interaction itch while being stuck at home.
Many people say that “people need to work in order to have purpose and direction in their life” to which I say BS. I’ve experienced a lot in my life so far. I was raised overseas, I’ve traveled to over 20 countries in 5 continents, am an eagle scout, have been to war, have been in leadership roles my entire professional career. At this point, living a boring, relaxing life is just what I want and need. I’m not ambitious, I don’t want to be a CEO, hold political office or live like a celebrity. I just want to live a relaxing life and enjoy my hobbies. That may change some day, and if it does, then I’ll make adjustments in my life. But right now I’m living a life I very much enjoy and have no reason to change it.

Future plans:
Here are some things I'm interested in accomplishing in the next year or so.
Travel - as I mentioned above, once the pandemic is over (second half of next year seems to the general estimate from experts) I plan on visiting a number of conventions/conferences/locations that I’ve been interested in but never got around to seeing while I was working. The good thing is that I can also take advantage of the off-peak traveling season for lower prices/less crowds for any places I want to sight see.
Getting a dog - I love dogs, but never got one before because of how often I was either out of the country or away from home for extended periods of time. Especially since I am single I didn’t want to end up ditching it somewhere whenever I was gone. I held off on making any serious commitments during my 1st year post-FIRE just in case I changed my mind but most likely I’ll start looking for a dog to adopt early next year, there are a couple animal shelters near me that I’ve already stopped by to check out.
More time with family - Again, something that has been derailed because of the pandemic. Due to being in the military I did not get a chance to spend much time with my parents (especially when overseas). I only saw them 1-2 times a year for a good chunk of my career. We are quite used to it given that my family has moved pretty frequently all my life (we were ex-pats living overseas when I was growing up) but I had hoped to be able to visit them more often now that I have so much free time. Unfortunately that’s not been possible given the current citation as I don’t want to risk possibly infecting them. But we do talk much more frequently than in the past.
Becoming more handy with home improvement/repair - I’ve been learning basic home improvement skills (As have many people who are stuck at home during this time, lowes is always packed). I’ve learned to take apart and clean a window AC unit, caulk a bathtub, hang curtains etc. I’ll leave the more complicated stuff like plumbing and electrical to the experts, but it’s nice being able to take care of minor stuff myself.
Boosting my emergency fund - I currently have about 7 months of spending in my savings account, I intend to increase this to 12 months of spending over the course of the next several months. The economy is wack right now and it would not surprise me at all if we have a full blown recession and market crash in the near future, so while the market is strong I’m going to boost my emergency fund. After that I’ll probably stop withdrawing my dividends from my investments in cash and just let them reinvest back into themselves, I think I can live quite easily on the income I get from my military disability and rent while leaving my investments to grow.

Conclusion:
So, to conclude this very long post. It’s been a crazy year, I’ve experienced a lot of things I’ve not done before, but overall, I’m very happy with my current lifestyle and have no desire to change it anytime soon. If you are still working your way towards FIRE, I wish you luck on your journey.
submitted by jasta85 to financialindependence

55 NYC School Staff Test Positive for COVID Amid New Threats to In-Person Start

55 NYC School Staff Test Positive for COVID Amid New Threats to In-Person Start
  • One week before classes begin in New York City, 55 DOE employees in multiple boroughs have tested positive for COVID-19, Mayor Bill de Blasio said; that's out of nearly 17,000 school-based staff tested
  • In-person learning for all New York City public schools is scheduled to resume Sept. 21; deaths of teachers in at least three other states since school started is generating a new wave of concerns
  • New York's COVID-19 rate of infection has been below 1 percent for more than a month, though officials are concerned about increasing risk accompanying an increase in closer-to-normal activities
Monday marks exactly one week until the re-scheduled return of in-person classes in the nation's largest public school district. Yet parents should be forewarned it could be re-scheduled yet again, as New York City's biggest teachers' union continues to protest what it says is a raw deal on testing.
A total of 55 school-based Department of Education employees have tested positive for COVID-19, Mayor Bill de Blasio said Monday. That's out of nearly 17,000 tested, marking a positivity rate around 0.3 percent, the mayor said.
"Some people will test positive. And those folks will immediately get support. After two weeks, those professionals will come back to work -- and they'll complete the entire school year," de Blasio said. "The same will happen with students. We have to remember that for the very small percentage of people who test positive for the coronavirus, it is a very temporary reality."
While the 55 positive tests mark a minute percentage of DOE employees tested, United Federation of Teachers President Michael Mulgrew says many tests administered two weeks ago are just now coming back. He also says the city isn't launching contact tracing efforts fast enough.
Mulgrew and educators across the five boroughs are pushing for de Blasio and Chancellor Richard Carranza to move to an all-remote learning method for the upcoming school year, citing problems with the testing component of the deal they made with the city that staved off the first potential teachers' strike in decades. As part of that deal, de Blasio agreed to push in-person back from its initial start date of Sept. 10 to Sept. 21 and ramp up school-related testing.
Mulgrew sat 6 feet away from de Blasio earlier this month as the mayor announced the new deal. Lately, Mulgrew has been standing outside of various schools in the five boroughs, claiming the city isn't holding up its end of the bargain on the testing front.
He joined other union reps and educators Monday as they hold a "Not Until It’s Safe" day of action on Monday to protest what they say are unsafe conditions at some school buildings. Nearly 5,000 have signed a petition started by a caucus within UFT to call on a fully remote start to the 2020-21 academic year.
Testing isn't the only concern. School staff say they returned to classrooms to prepare for the new school year last week and found buildings with sinks, windows and toilets still broken. Some reported not having enough personal protective equipment or adequate staffing for the hybrid learning model. Mulgrew said custodial staffs had not yet gotten all the cleaning materials they need. If those hurdles aren't addressed, Mulgrew says the Sept. 21 opening is in jeopardy.
Among the protests planned for Monday are teachers in Sunset Park and Flat Bush section of Brooklyn, who say they will work outdoors over fears they will not protected from COVID-19 while working. Teachers also plan to wear red and picket outside Murry Bergtraum High School in Manhattan with parents.
Ninety-six percent of the city's thousands of public school classrooms passed air inspection, de Blasio said earlier this month. Of the 10 school buildings that failed ventilation inspections, four have gotten the needed repairs, City Hall said -- though a teacher from PS 139 says she found "dirty vents" that were never cleaned as promised by the city. De Blasio and Carranza have both clearly and repeatedly pledged they would not reopen any classroom unless it is safe.
In response to criticism about testing last week, a spokesperson for de Blasio said the city's "public hospital system has worked to make testing as fast and convenient for school-based staff across the city and we are seeing turnaround times within 48 hours for over 95 percent of tests."
"While we continue to navigate the realities of a pandemic, there will be positive cases. We are putting people's health above everything else by quickly identifying and isolating positive cases, which is a leading effort to prevent transmission," the statement continued.
De Blasio announced Monday the city was also making priority testing available for students ahead of the start of the school year -- and creating a DOE COVID Response Situation Room to coordinate responses across multiple groups throughout the year. That will expedite both decision-making and response.
As for the staffing concerns, the mayor also said Monday the city would deploy an additional 2,000 educators to supplement current teams. That number will come from redeployed central staff, long-term substitutes and other temporary staffers.
New clusters are to be expected, de Blasio and Carranza have warned. Citing the problems that have emerged on college campuses across the country and in New York, Gov. Andrew Cuomo has also said there will be a degree of that in K-12.
At the same time, he warned -- in no uncertain terms -- that no public school district should reopen in person if it's not ready. Reopening in person too earlier will just cause more disruption because it may mean a re-closure, he said.
The governor also questioned whether the city's COVID positivity test threshold of 3 percent is sufficient when it comes to re-close. More people will take mass transit, more people will be in congregate settings. All that increases exposure.
For his part, de Blasio has said that testing threshold is one of the most stringent in the globe (the city has been well below that 3 percent mark for months now) -- and testing is just one component of the five boroughs' multi-faceted plan.
It's the mitigation efforts -- like mask-wearing, social distancing, hybrid scheduling and other measures -- that the city has layered within its back-to-school framework that will help prevent a single case from exploding, he said.
If one school building does hit 100 cases, Cuomo has recently said that requires an immediate two-week move to all-remote. He also is requiring every single school in New York to report testing and positivity numbers, among other COVID metrics, to the state daily. Each school will be issued a sort of rolling COVID Report Card that parents can assess on a regular basis to "get the facts."
Some schools are moving all-remote well ahead of that 100-case threshold, at least temporarily. Syosset Middle School on Long Island became the latest to do so Monday after a single teacher tested positive for COVID-19.

A teacher from PS 135 said that all the teachers in her building will be working outdoors tomorrow to protest the “unsafe” conditions inside. The photo shows one of the \"dirty vents\" the teacher says were never cleaned as promised.
submitted by ithinkurcute2 to nyc

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