Immigrant Bird
los angeles // yoga // travel // check out my #visionboard tag
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Sometimes it feels so 👌 to be in total alignment with myself.

Sometimes it feels so 👌 to be in total alignment with myself.

Going to Philly for the weekend!

Haven’t been upside down in a minute and it shows

Haven’t been upside down in a minute and it shows

(Source: kevc, via pinetreesandlace)

Anonymous asked: Andrew, I recently got a better paying job, but, I am doing an iffy job of managing my finances. I would pay you to be my financial planner if you want to give it a shot. Perhaps, just a consolation or two to sort out budgeting and a savings plan.

selfdefensefamily:

I wouldn’t take pay for a job like this. 80% of the population can probably follow this exact same plan and be fine.

Make a realistic budget. Money coming in vs money going out. It takes an hour and is the best thing you can possibly do to get your cash in check. It’s not a punishment, it’s just a snapshot of reality, so don’t get wound up over it. I use Mint. YNAB is also good. Even just Excel or a sheet of paper. The important thing is to do it.

Pay off outstanding short term debt like credit cards and sub $15k loans. Renegotiate long term loans like student loans and mortgages to free up cash.

Contribute the full employer match about to your 401k. Invest it all in a long term index fund or life cycle fund if offered. Vanguard Target Retirement funds are pretty dope

Open a Roth IRA and start automatically transferring money in (up to $5500 per year but even $50 a month will do to start) right when you get paid. Invest in the same kind of long term index or life cycle fund as your 401k. Doesn’t have to be exactly the same one but the asset allocation should be reasonably close.

Set aside six months of total living expenses as an emergency fund. I like to keep two months in cash and the other four months worth in a taxable account at Betterment. I would rather have my money work than languish and depreciate in a savings account. But it’s up to your risk tolerance.

If you have money left over, contribute more to your 401k (up to roughly $17k per year, not including what your employer matches)

If you still have money left over, open a taxable account and start investing in ETFs or save to buy into a Vanguard fund (usually $1-3000 minimum investment). Set this up to automatically fund from your checking account.

Don’t touch a fucking thing for 30+ years. No matter what happens. Market dips, market booms. Don’t even watch the news. Just keep on funneling cash into your investment accounts.

Retire early with a bonkers amount of money at your disposal.

-Andrew

Opening a Van Guard account this month bc that’s where it’s at for people like me with no loans to pay off. 👌

Bye
acid-bubble-gum:

✰✰✰

Me forever

acid-bubble-gum:

✰✰✰

Me forever

(via 100-cherry-bombs)

(Source: softwaring, via catholic-boys)

A Walter Crane illustration, and hopefully my soon to be new tattoo. 

A Walter Crane illustration, and hopefully my soon to be new tattoo. 

My perfect new dress came in and it’s all comfy cotton and even has pockets. #reformation

My perfect new dress came in and it’s all comfy cotton and even has pockets. #reformation

I had the most perfect (but slow) run today. And I even did a few sun salutations looking at the sunset. They were very literal.