Author Archives: ska@thejollyledger.com

The False Assumptions in Traditional Retirement Planning

This new item recently showed up in my 401k Dashboard: Retirement Progress The default settings assumed a retirement age of 65 and that I would need $11,343 per month at 100% income replacement. My bonus was not included in salary … Continue reading

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The Big Scratch – June 2017 Net Worth Report

We just returned from an annual trip to Oklahoma. Every summer, Mr. TJL and Little Miss go to Oklahoma to find metal for the art business. They scour scrap yards, metal yards, antique and thrift stores, appliance stores; pretty much … Continue reading

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The Ledger –May 2017 expense reports

  Remember the medical insurance bill that I thought I had resolved last month with my insurance company? I wrote: “This month my bill was for blood lab tests to establish a baseline for cholesterol, thyroid function, lipids and all … Continue reading

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Church of FI – Did I just hit $1MM in assets?

Do you see that? My assets have officially topped $1,000,000! Even though this milestone is market dependent, it still feels damn good to have achieved. If I sold all my assets today, I still would not have enough money to … Continue reading

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To Build or not to Build: Adding an ADU to our Property Portfolio

I have been mightily distracted for the last month, so this blog has received about 1/4 of my usual attention. In times like these, I try to keep up with The Ledger and Big Scratch but the meatier posts get … Continue reading

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The Big Scratch – May 2017 Net Worth Report

We haven’t had a bad month yet. Our net worth continues to rise. We can thank Mr. Stock Market for that of course, but we also have to give ourselves a big high-five for maintaining a high savings rate each … Continue reading

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The Ledger –Insurance Scam and April 2017 Expense Reports

April was replete with extra expenses including a trip to New York City ! Our time there was uneventful.

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Traveling Hacking New York City

This title might be a little misleading. In reality, we did utilize credit card reward points to minimize the costs of our trip to New York City, but all of the points used were accumulated during the push to travel … Continue reading

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The Big Scratch – April 2017 Net Worth Report

Well that was anti-climactic. After months of market growth, March was rather flat. Regardless, we remained above the $700,000 barrier in net worth! Most of the gain was due to investment contributions. In addition to our “normal” and automated savings, … Continue reading

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The Ledger – Tax-apocalypse and March 2017 expense reports

Mr. TJL’s new art business website went live in March! I have been diligently whittling away at it for the last four months. Building an e-commerce site sure is a lot of work, especially if you have never done it … Continue reading

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