Working from home

With my new job, I have a new office.  It’s a tiny corner of the apartment with a decent view of the outside.  I have a nice desk, a printer, and a pretty great monitor setup.  You see, for my new job I’m working remotely.  I’ve mentioned it before but now that I’ve been doing it for more than a month, I have a much better idea about what it truly entails.  And while I definitely am loving the flexibility with regards to my sleep schedule, it’s definitely lacking something that you just get when you work in the office.  There are, specifically, four things that people have warned me about:

1. Decreased productivity

2. Loss of creativity

3. Complete loss of interpersonal skills

4. A slow, creeping madness

When we get right down to it, there is some truth to this.  With regards to number 1, I’m actually absurdly productive, it’s just different.  For example, working at home has led to me doing a tremendous amount of work over a 2 hour period followed by a relaxing 20 minutes of watching, say, Community.  Then I’m right back to work, pushing paper and making finance stuff make sense!  The problem here is that sometimes, if you don’t feel like working, you have to move mountains to get your normal workload done.  Seriously, mountains.

For number 2, a loss of creativity, I’m not exactly having a problem there.  For starters, I was never that creative to begin with.  Can’t lose it if you don’t got it.  But still, the threat is there.  Luckily I have a couple of interesting projects going on that require me to use what little creativity I have.  Like this site or my wedding.  Between those two and a couple of other items, I’m not at a loss for creative outlets.  But what I can see happening is number 3, losing the ability to actually communicate with people.

Losing my ability to talk to people, reason with them, etc, is a HUGE fear I have with regards to working from home.  See, one part of my job that most people don’t realize is that I spend large portions of my day on the phone working out deals.  So I have to interact with people every day.  My job literally depends on it.  So the only way I’m able to keep that ability is to start getting out there and meeting and interacting with more people.  So, I joined a kickball team (Saved by the balls) and am making a point to go out more often.  Now, I’m not spending a lot of money when I go out but it’s definitely been a lot of fun and has kept me reasonably sharp for work.

Now, number four isn’t a real fear for me.  I have an amazing fiance here to keep me from really losing my mind.  But if I do, you, the reader, will likely be the first to really notice.  So, uh, yeah keep an eye out for that.  Thanks!

When it comes down to it, working from home has been great.  I don’t have to commute, I can sleep in if I want and I am eating WAY healthier.  It also gives me a bit more time to work on the site, which I love.  I think it’s one thing that everyone needs to try at least once in their careers.  It’s giving me the possibility to move to a less expensive city and potentially own a house!  It opens up possibilities that being locked to a desk just doesn’t quite allow.  Until next time folks.

Fear, Patience, and Faith in the Process

I was checking out an article the other day about Facebook.  The article basically scolds the people who panic-sold Facebook when it was in the $20’s for being impatient and letting fear rule the day.  This got me thinking about the whole process of investing and how it is connected to what we do in our everyday lives.  I don’t just mean the products we buy but I meant the way we choose to act on a daily basis, both internally and externally.

Let me start at the beginning here.  If you know me, and I think most of you do to some extent, you know that I have a tremendous amount of faith in the process.  What I mean by this is the process that occurs during our lives when we embark upon a normal, everyday commitment.  This can mean getting hired out of college to an entry level position, working your ass off for promotions and better paying jobs, hustling for connections, and then one day, ending up with a job that pays well and that you’re content with.  Or maybe you’re out of shape and decide to go to the gym, eat healthy and put in the effort rid yourself of flub.  Eventually, you’re in shape because you put in the work.  I’m saying is that in life there is rarely a roadmap but there is a direction for us to move in so we can accomplish our goals, whether we know them or not. There will undoubtably be ups and there will most certainly be downs.  Life is a process and it’s constantly evolving. We have to trust in the process, stay humble and patient, and one day our efforts are rewarded. 

 

Just keep going up that hill...

Just keep going up that hill…

There are two aspects of the process that I see most people struggling with..  First and foremost, people have trouble recognizing that there is even a process to many aspects of life.  They get trapped in the drudgery and bogged down by the nonsense without ever seeing which levers they need to pull to make their lives move forward.  I’ve spoken about this before and I’d have to equate it to the concept of unconscious incompetence: if you don’t see a problem then obviously you won’t think one might exist.  You may be unhappy but just not know why.  Unfortunately, there are way too many people out there like this.  You probably know someone like this.  It’s someone who thinks the system is out to get them or keeps getting in their own way through self-destructive habits but wonders why they are behind all their friends.  If you can’t recognize that there is a process to the many aspects of life, you won’t be able to effectively move forward in the process.  It require reflection on yourself in a way that many people are unable or unwilling to do, because of the hard truths it may reveal.

The second problem I’ve seen is patience.  We ALL have this problem at one time or another about one thing or another.  This is the part of the process that the author of the article on Facebook mentioned above (see, I’m tying it all together!) and is a problem that many of us struggle with every day.  Many of us get impatient in our careers and want to end up in high level roles much sooner than we’re ready.  We get impatient and want to graduate college sooner.  We want to buy a house before we’re ready, an expensive car, etc.  We’re impatient and we know it.  In the article mentioned above, the individuals who took part in the Facebook IPO and then lost money selling their shares suffered from a slightly different type of impatience.  Fear of financial loss led to impatience which eventually caused them to sell their shares, incurring an actual loss.  They lost faith in the process, grew impatient, and let fear drive their decisions.  The moment you allow fear to guide you, you will make mistakes and it will cost you dearly.

No matter your career path, you can’t let fear be a driver of decisions.  If your goal is financial Independence and you begin investing, understand that you will likely lose money at some point.  Life is a process. It’s going to keep going, so trust it, be patient and don’t let fear make the decisions for you.

 

I’d like to thank Allison from Any Afternoon and my Fiancé from Petite Gourmande for helping to review this post and keeping me from going crazy.  Thanks guys!

Leaving LA

Got your attention, didn’t I?  Sorry for the hook there but it’s not necessarily a true statement yet.  Right now, the Fiancé and I are starting to evaluate our options.  Since I work remotely, it means that she can find a job she wants, anywhere in CA she wants, and we can go there.  Even better, it means that we can seriously re-evaluate how much money we are spending on our apartment, gas, etc, and find a place that can save us thousands of dollars a year.  Maybe, just maybe, we can even find a place where we can buy a house.

Unfortunately, most of California is pretty expensive.  The cool places to live (San Francisco, LA and San Diego) are all ridiculously expensive and don’t accomplish much with respects to saving us money.  That leaves the more inland cities of California and really, that means only one place: Sacramento.  We’ve been looking into Sacramento as a potential place to move eventually for a few weeks now and might even take a trip up soon in order to check it out.  I know, I haven’t even been there before but I’m considering a move there.  It’s crazy talk!  But remember, I’m a bit of a crazy person in the first place.  Besides, Sacramento has a couple of things going for it!  Things like:

  • Friends!  Some friends of ours have already moved up there and they LOVE it.  Always good to have a built in base when you move.
  • Lots and lots of legal positions.  It’s the capital of the largest state economically and population wise in the US.  The laws that get passed here tend to have a much wider range of influence than what happens in Providence (Sorry Ted).  This means lawyers galore!
  • Right between Tahoe and San Francisco.  Two places that are seriously awesome.  The fact that I could easily drive over to Tahoe, one of the best places to snowboard in the country, makes me a bit giddy.  Just saying.
  • Cheap, Cheap property.  The median 3 bedroom home price in LA right now is $524K.  In Sacramento it is $186K.  Not only that but the schools, in the right neighborhoods, tend to be much better than anything that the LAUSD has to offer.  I’m just saying, it’s a big difference.
Definite small city vibe

Definite small city vibe

Seriously, the house prices kill me.  Looking at homes in LA is just awful.  You can’t find a house in an OK area in LA that is under $450K, which by the way is WAY over any budget I could possibly ever come up with.  In Sacramento, we could buy an actually starter home in a good neighborhood for under $250K.  That means a 3 bedroom, two bathroom house with a bit of a yard for roughly the same amount or less that we pay now for a 1 bedroom apartment we do not own.  It may just be me but I definitely like the thought of owning rather than renting.

Mostly though, Sacramento (or San Francisco or San Diego) would just be a good change of pace from Los Angeles.  I’ve been here for four years now and the Fiancé has been here her whole life.  And quite honestly, LA has never been my place.  Some of you out there probably know what I mean.  It’s just never felt like a permanent home type place.  That’s the best way I can describe it.  Even with my current apartment, the dog, my Fiancé, LA still is just not quite the right place for me.

Now, obviously I need to visit Sacramento.  I’m not going to move to a place sight unseen.  The last time I did that, I ended up here in LA!  And lived in a fairly ghetto (although cheap) apartment for years.  But I at least feel confident that if we make a move, it will be the right one.

The Summer Hiatus is over!

And I’m back!  My summer hiatus was a fun distraction but it’s obviously time to get back to work.  So where have I been?  What’s been going on?  The past few months have been some of the busiest and craziest of my life.  Let’s go over a few things so I can catch you guys up:

  • I quit my job!
  • I got a new job!
  • I got engaged!
That's right, it's real!  And she said yes!

That’s right, it’s real! And she said yes!

I know I know, she said yes.  Never would’ve guessed that would happen to me! Huge life changes for me.

With regards to the job, well, I was at my previous company for almost four years.  It was a long time, I learned a lot and the people I met there were amazing.  Ultimately though, my upside just seemed limited.  An opportunity has come along that allows me to do roughly the same job but in a more senior capacity, with more freedom and leeway.  The best part of this job?  It’s remote.  I’ll be making significantly more money with a fantastic bonus plan all while working from my apartment.  And yes, Jackson the dog is EXTREMELY happy about this turn of events.

See, excited.  How can I say no to this face?

See, excited. How can I say no to this face?

So what does all of this mean?  Well, first off, I’m down a few thousand dollars from buying the ring.  Secondly, I have to save a whole lot more money for a wedding.  And third, well, third is the interesting part.  Since I work remote, it means that the fiancé and I have the opportunity to potentially move around a bit, find a cheaper place to live and get us a bit closer to financial independence.

You may have also noticed some changes to the site.  During the layoff I tried to find a wordpress theme that worked better for me.  Although the last theme looked good, it was a pain in the ass to try to customize.  It would never do quite what you wanted it to do.  But the theme isn’t going to be the only change.  Soon there will be a recommendations page and a Facebook page, both of which are long overdue.  We’re also going to be revamping the format for a little bit.  For the next few weeks, I’ll only be posting on Mondays, Wednesdays, and Fridays.  Starting in November, I’m hoping to have Tuesdays lined up as guest columnists, with Thursdays being book and product reviews.  As always, I’m looking for ideas and people to help for both days.  If you want to become a contributor to the site (perhaps you travel the world on a budget or are a lawyer looking to dispense some worldly advice) just send me an email and I’m sure we can work something out.

Look for my first new REAL post coming this Wednesday!  I’ve built up a bit of a reserve of content for the past few months, with lots of ideas and concepts that I need to throw out there.  Until next time!

Change your own oil and save money

I got my oil changed the other day and I got completely hosed.  It’s a simple task and I know how to do it but ever since I’ve lived in California, I haven’t had a place, the tools, or the means to do it myself.  So I’ve paid for someone else to do it for me.  As you can imagine, this eats me up inside.  This past weekend really killed me though.

I got a coupon in the mail for an oil change that would only cost $30.  Great deal if you ask me and it’s the dealership where I bought my car.  They always seemed legit so I hopped over to do it.  Before they began, I got my quote: $80.  Whoa whoa whoa, that is not what the coupon says sir.  But of course, there was a catch.  There always is.  Apparently the coupon didn’t cover synthetic oil and my car was only supposed to have that.  I negotiate the price down but still, I’m pissed.

The next day I’m talking with a friend at work and he tunes me into this ridiculous contraption: an oil extractor.

It looks simple enough, right?

It looks simple enough, right?

Apparently, you buy this thing, put the tube in where the dipstick comes out, create a vacuum with the pump and your oil drains into the container.  No need to jack up the car, no need to get underneath it and have burning oil sear your hand/face.  Simple.  If you’re just changing the oil, it would take maybe 20 minutes, top.  30 minutes if you also change the filter.  If you’re lucky (and chances are that you would be), the filter will also be on the top and you’ll be able to easily change it.

Obviously, you run into some issues with this.  You still have to buy the oil (consult your drivers manual to find out what kind is right) but that usually will only cost $25 to $30, including the oil filter.  The thing you really have to worry about is getting rid of the oil.  It’s toxic and you can’t just throw it away or pour it down the drain.  I mean you can but seriously, think about the fish.  You’re going to eat them later!

Luckily, recycling oil is actually pretty easy.  Most Jiffy Lubes or other places will actually pay you for your oil, 25 or 30 cents a gallon.  If you live in California, you can get paid up to 40 cents a gallon to recycle the used oil.  The reason for this is that it is actually easier to get usable, refined oil out of your used up oil than it is to get it out of unprocessed crude.  So, more and more companies are popping up to recycle the oil and make a few bucks on the spread between what they pay you and what they sell it for.

Overall, changing your own oil might not seem like much but it can save you some money in the long run.  If you drive your car for 200,000 miles, you’ll save over $1,000 in maintenance costs during that time period.  It might not seem like much but since you’ll be paying closer attention to your car, you’re also more likely to notice if anything is actually going wrong way before someone else might.  This will definitely come in handy down the road!

It looks like I’ll be purchasing that oil extractor up above and probably changing my own oil in the future.  I’d rather do things on my own anyway, it saves money and it would just be nice to be something I get back to! Besides oil, what else can one save money on with their car?  I’m guessing brake pads but at the same time, I don’t quite feel like dying will driving down a hill.  Let me know if you have any other money saving ideas when it comes to car maintenance!

Always know where your money is

I was talking to my friend the other day and it turns out that she doesn’t entirely know where all her savings and investments are.  Now, while this is usually a bad thing, it’s not the worst thing in the world for her.  She’s still young and is an expat, so it’s not terrible for her to have someone else managing her US based investments and taxes while she is abroad.  But even then, she should probably have some idea where her money is, as should us all.

Even George is frustrated with people losing him

Even George is frustrated with people losing him

For many of us, our parents managed our money when we were kids.  They co-signed the accounts, set up any investments, etc.  While this wasn’t necessarily the best option, as it didn’t teach any of us financial responsibility on our own, it did manage to keep money safe from crazy teenage spending sprees.  The problem is now, as is the case for my friend, we may not know where the money is anymore.

Another situation is that as we grow older, we simply forget where things are.  I know plenty of people that have a 401k somewhere.  That’s the extent of their knowledge.  They have a 401k somewhere.  Maybe it’s with Fidelity or John Hancock, who really knows?

Well, HR knows.  But that’s besides the point.  The point is that we need a series of action steps in order to find all our damn money!  So let’s put some stuff on paper.

1.  If you’re younger and have just left the house, ask your parents.  Have them put together a list of all your accounts, bonds, cds, precious metals, whatever!

2.  Contact the HR department of any old employees.  You may have an old 401k account that you could rollover into an IRA and don’t even know it!  I know way too many people that don’t pay attention to this.

3.  Check with National Association of Unclaimed Property.  Eventually, if you don’t touch your accounts, the bank or investment firm is going to report this to the state.  Eventually the state will just take the money and hold onto it, making sure that your bank doesn’t claim the money as its own.  Each state does this and each state has its own way of searching, so please look for whichever state you think works best.

4.  Now that you’ve found all of your money, consolidate it!  If you can, put it all under one roof (USAA is great for this).  If you can’t do that, at least try to keep it in no more than two different institutions.

It’s not all that hard to find your money.  What it really comes down to is a conversation with your parents about money (always awkward) and calling the HR department of the place that may have fired you (definitely awkward).  At least when you’re searching the unclaimed property registry you’re just dealing with an internet search.  Although, if they actually have something of yours, you’ll probably have to talk with someone from your local government (also awkward).  So yes, this will be an awkward and rewarding process.  But mostly awkward.  Good luck everyone! If anyone finds something ridiculous (insane secret inheritance held by the state?  Hell yeah!) let me know!  I’d love to hear some good stories related to this.

Cover Letters and Resumes

Well, I’ve decided to begin searching for a new job.  This is a thought I’ve had for a few months now and it’s been dragging on me heavily as I go to work.  I feel a sense of loyalty to my current job.  They took a chance on me out of college and gave me the opportunity to develop into the role I currently hold.  However, I’m on my fourth year, already a manager and my growth has kind of gone stagnant.

For the past few weeks, I’ve been spending my time networking and building contacts in other cities (Boston! New York, Chicago, Dallas, etc) and trying to find jobs that I’m actually interested in.  What I’ve learned is that it’s damn hard to get back into the market after several years off.  Although a huge part of my job is actually networking and building interest in my company and what we do, the jobs I’ve been looking at and the people I talk to tend to be outside of the leasing industry.

Granted, I knew this would come eventually.  Leasing is not really my cup of tea and although I’ve learned a great deal about corporate financing, structuring and other items that will help me as I continue my career in finance, I’m ultimately not as happy as I could be doing what I’m doing (partially leading to me starting this site).  In the end, I’d rather be working in an M&A department or at a private equity firm, sourcing and structuring deals.

At this point, I’m working on cover letters most days, trying my best to be confident in myself and my abilities and express that on paper.  While that might come easily to some people, I’ve never been terribly good at it.  So this is something a little bit new to me.  I’m hopeful that over the next few months, I’ll have some good experiences to write about here.  Experiences that I learned from and hopefully lead to me pursuing a new career path.

Hopefully this week is lighter and I will be able to write more here.  Unfortunately, I can’t say for sure that I will but, just in case, keep checking into this space.  I should have something else up soon that has more to do with personal finance!

Taking risks like a champ

Most people don’t like to take risks.  They prefer safe.  Safe investments, safe neighborhoods, safe countries. Safe safe safe.  But at some point in our lives we all need to take risks.  It’s bound to happen.  And the thing is, a certain amount of risk can be a good thing.  It allows us to break free from our constraints and hopefully grow towards our goals.

The reason I’m getting into this is because most of the people I know are stuck in a rut.  We’re all in our mid to late twenties, still in the early stages of careers, and we don’t know what we really want from our lives.  You’ve probably read somewhere that this is the point in our lives where we’re supposed to take risks because we have enough time to make our comeback from any failure.  But that’s not the goal here.  I’m talking about calculated risk, good risk, risk that moves things two steps forward.

The first step is just making yourself open to change.  I’ll give you an example.  I graduated college in 2009 and was searching for a job.  Knowing that the Texas economy was still growing while the rest of the country was in shambles, I moved to Dallas from Boston.  From there, I got a job in Los Angeles and have been here ever since.  The only reason I was able to make either of those moves is because I put myself out there and was open to new places and new things.  If you’re not willing to accept the risks inherent in life changes then nothing can change.

The next key to taking risk is that you have to want it.  Most people don’t get that when it comes down to it.  You need to want something so badly that you’ll actually go for it.  Want to move to New York City?  Contact that recruiter!  Want to be a lawyer?  Set up shop and start practicing.  Want Financial Independence?  Go read Mr. Money Mustache and make it happen.  If you want it bad enough, you’ll take a look at the risks and figure out ways to make it work.  Maybe you’ve got to get a second job in order to pay off your student loans early enough to truly retire.  Maybe you need to just get out of the city you’re in and go to Fiji or New Zealand because that’s what you want.  If you want it badly enough, you’ll look at the risks and laugh in their faces.  You’ll make it work.

Next?  Keep trying.  We encounter risk every day of our lives in little, tiny doses.  We also see it all the time in big, potentially crushing doses.  The point is, you have to keep after it.  This goes right with the prior step of wanting something so bad that you’ll do anything for it.  If you keep taking risks and they’re good, calculated risks, you’re going to succeed.  There is a reason that some people are serial entrepreneurs.  Sure, they may just be wired differently than everyone else but there is something encouraging about people who just keep taking shots.  Wayne Gretzky famously said “You miss 100% of the shots you don’t take.”  Well, it’s true.  Plenty of people sit back and watch as friends, family and those around them succeed in love and in life.  They complain that it should be happening to them, that they could do it too.  Well my friends, they’re not taking their shot.  And if you don’t take yours, things will rapidly slip out of grasp.

I'd really like to know why the person is the Great One's "special friend"

I’d really like to know why the person is the Great One’s “special friend.” I’m going to mullet over…

Most of the risks we see in life are made up of our own fears that we’ll be inadequate or incapable of success.  The more you try and put yourself out there, the more you’ll learn about yourself and see that it is simply not true.  But without trying, without wanting it, you’ll always let the risks overwhelm you.  So get up and start a company or talk to that pretty girl or cute guy.  Take a chance and don’t let the potential risks get in the way.

 

Image courtesy of Wayne Gretzky’s “Special Friend,” Jeffrey Simpson.

My Car was Impounded

The past week has not been my best week.  I was in Chicago for a few days on business and wasn’t able to get away to visit any of my friends or family that live there.  All in all, I only got about six or seven hours of sleep while I was in Chicago.  Needless to say, when I got back I was brutally exhausted.  At some point, during all my traveling, I lost my lucky coin (yes, I’ve got a lucky coin.  It’s a 1924 Silver Dollar).  I try to not be a superstitious person but old habits die hard.

Saturday night, my friend was having a going away party and the girlfriend and I went.  It was at a really great little Mexican bar/restaurant in Hollywood, a place I’ve legitimately been to maybe twice since I moved to LA.  It’s also a place where every parking lot costs $10 or so.  Now, I’m not cheap but to me, the metered parking on the street was a better option.  Plus, it was after 8!  That meant it was free!  So, we drove around for ten minutes or so until we found some street parking close to the bar.  We double checked to make sure it wasn’t a red zone and went on in for a night of fun.

When we left to the bar a few hours later, we noticed that there weren’t too many cars parked in the street anymore.  Odd, but it was after midnight.  We both assumed people had just been leaving.  Then we got to the spot where my car was supposed to be.  It was gone.  So was every other car that had been parked on the street (at least 10 or 15 cars).  After talking to some of the valets that were in the area, we learned that about five minutes after we parked, the parking enforcement guys came, ticketed and towed everyone.  After 8PM, rather than becoming a free parking area the street became a no parking area.  Not quite what I’m used to but ok, I didn’t do a good job reading the signs.

Well, at least it wasn't stolen...

Well, at least it wasn’t stolen…

At this point, I’m having a bit of a freak out.  No one is picking up with the city to tell me where my car is.  Worse, I can’t even remember my plate number.  I give up and we take a cab back to our apartment ($60 cab ride, yuck) and I call it a night.  At 1:30 in the morning, there is only so much one can do.

The next day, I found out where my car was and what the approximate cost was (well, my friend did all the legwork).  If you’ve never had your car towed, let me tell you, there are a LOT of fees.  They charge you for the tow, a mileage charge, a storage fee, an insurance fee, etc etc.  All these fees don’t even include the fine that I have to pay the city.  The girlfriend drove me over, I checked my car out (no damage luckily) and got it home as soon as I could.

All in all, the fees for the car added up to $272.  The fine for the city was $73 and the cab ride was $60.  $405 in total, all because I refused to pay $10 to park in a parking lot.  This was definitely a time when my frugal and cheap side got the better of me and ultimately cost me money.  I feel like this sort of thing will be rare in the long run but damn, this was just the worst!  I’ll always double check the parking signage going forward a bit closer.  No way I’m ever letting this happen.  Now I just hope this $405 hit doesn’t kill my budget this month.  The last thing I need is another month of my cash dropping!!

 

Image courtesy of: Travis S.

Don’t let your job kill you

Chances are, if you’re reading this and live in the United States, you’re working too much.  Even more so, you probably aren’t happy with your job.  Yet, you still work long hours.  You might even call yourself a workaholic.

Stop.

We all know that in order to get ahead in life, you need to work hard.  The problem is that we work TOO hard.  As a society, the United States works more hours per year than any other country on the planet.  And we’re number four in GDP per hour.  But when you break it down to a per capita per hour basis, we just don’t get that much out of each person per hour.  The reason we’re so high on the charts for productivity relates directly to how many hours we work.

Now, working hard isn’t the worst thing in the world.  We love the athlete that works hard and eventually becomes a starter, an all star, all pro simply through hard work.  It’s a huge part of the American dream.  But, alas, we’re not athletes.  Many of us are office workers who sit for eight to ten hours out of the day.  Worse, we’re stressed.  We have deadlines to meet, sales to close and customers to appease.  All that stress, all that sitting around, that’s what’s killing us.

You see, it’s not really the work itself that does us in.  It’s how we manage it and make it work for us.  It’s pretty well known that stress can influence the onset of coronary heart disease.  It’s also well known that sitting around all day makes you fat.  But stress and burnout as a cause of disease and sickness is even worse than you think.  A study in Psychosomatic Medicine showed that burnout and stress increased the likelihood of getting coronary heart disease by more than 40%.  Even worse, if you were in the top 20%, aka the person that just can’t get out of bed in the morning to get to work, struggles throughout the day and needs a break after being there for only 20 minutes, well, you have a 79% increase in the likelihood of coronary heart disease.

Yikes.  A 79% increase is no joke.  It’s horrible.  This is literally something that could kill you.  So how do we deal with this?  What sort of preventative measures can be taken?

First off, stop letting people get to you.  Yes it’s your job and you might not yet have eff you money but still, don’t let it get to you.  When you leave the office, leave work there!  Don’t bring it home if it’s bumming you out.  I know that’s tough for a lot of people but it’s the truth.  You absolutely need to do it.

Secondly, you need to work out and eat better.  Let’s face it, just trying to roll with the punches and not let things get to you can only get so far.  You need to actually take care of your body if you want to enjoy your early retirement some day.  Just going on walks every day can help.  Eating more fruits and vegetables and less processed cheese could also help.  I know it’s delicious but it’s just not worth it.

If you’re so stressed that you read this post and the article above and just nodded the entire time, well, you need a vacation and a serious life change.  I know that normally this sit is about personal finance but this is an important topic to me as well.  Making and keeping money is only worth it if you’re healthy enough to enjoy it.  If you’re burned out by your job, maybe you need a new job or a new industry to work in.  Maybe you just need more rest.  Ultimately, you need to do what’s right for you and take better care of yourself.  So relax, don’t let the little things get to you, and go for a run!  Your brain  could use it.

 

Image courtesy of windsordi