After calling my Zoning Attorney every day last week, she finally hit me with, "Sunny - nobody wants to do this right now. Please call back in January."
Message received 😅
With that in mind - I'll keep this week's post short & sweet.
Livin' La Vida Luna y Luca
Luna mean-muggin'. Luca chunky monkey.
Short & Sweet Week
A few highlights I'd like to share from this week:
Officially closed out Project Washington. I made the final payment to my builder and we put a celebratory dinner on the books for next week.
If you're looking for someone to custom-build your next home, hit 'em up.
Wholeeeeeeee lotta nothin'.
I helped a buddy revamp his personal finance system. This was so fun & fulfilling for me.
Before we met, he uploaded all of his accounts to Copilot so we could see everything in one place. We made a few adjustments in real time, but he mostly has some homework to do.
Most of the homework I gave him might be helpful for anyone so here it is:
- Fire your Financial Advisor. Especially if they're charging you percentage-based fees.
- Move from Bank of America (or Wells Fargo) to Capital One 360 for Checking & (More importantly) High Yield Savings Accounts
Wells Fargo and Bank of America offer a measly <2.5% interest on their high-yield savings accounts and that's IF you have > $1M with them.
Capital One 360 offers 4.5% with no minimum balance and no fees.
- Consolidate various retirement and brokerage accounts to one custodian: Fidelity or Vanguard.
Dia and I use Fidelity because of their zero-cost index fund options. Vanguard, however, has a slightly better reputation since they're a pioneer in the space.
- Sign up for a password manager like Lastpass or 1Password.
Stop using a derivative of the same password for every single login you own. Your dog's name + 123! is not secure enough. You don't want your Chase login at risk because Netflix got hacked.
Ended the day with a ~2-hour therapeutic call with my big-bro, Gabe. We talked about everything but started with my biggest struggle right now: getting used to Dia being back at work and embracing this season of boredom between projects.
I decided to use this time to go inward instead of doing "more" for the sake of doing more.
Dia and I were invited to celebrate an incredible year of growth and development with the Rodriguez family at The Millburn Standard. It was great to hang with a handful of investor buddies in a non-business environment. I'm going to crack open my cake jar party favor as soon as I'm done writing this.
This Upcoming Week:
We'll be celebrating the holiday at home. My parents are visiting my sister in South Carolina, but Dia's mom is with us until 12/31.
The kids' school is closed all week. I plan on bringing them to the gym with me every day. Let's see how that plays out. 😬
I've also accepted that zero work is getting done (unless a fire needs to be put out).
Ho Ho Ho!