What I learned from a few days in Oregon

Recently I had the opportunity to take a few days off from work and visit one of my nieces. This one is in grad school in Oregon. She’s really kicking ass, I’m excited to see how her path unfolds in the years ahead.

So the first thing I want to talk about is how fucking inexpensive this was! I paid for my cross-country flight with accumulated (43k) miles. My niece rents a room from a single woman. And by “rent” I really mean, the agreement has evolved over time to substitute the cash for household services. So my niece buys some groceries, cooks dinners and walks the lady’s dog in exchange for boarding. That’s a pretty sweet deal for a grad student. Anyway, there is a spare room in the house, so I was able to stay there at no actual cost. Full disclosure: as a gracious guest, I did spring for dinner.

The next thing I want to talk about is how much I fucking needed this break from my everyday life.

Lately, I’ve been in a tranche where everything seems predetermined and bleak. Work is routine and predictable, no joy or reward in sight. My dad is rapidly descending into Alzheimer’s and its breaking my heart. My brothers and sisters are unorganized so the role of Project Manager is falling on me to organize ourselves as we address dad’s major issues. We’re a tough crowd, no doubt. Delegating is not my best skill, but for the second time in several years, I am flexing that muscle within the family. My mom is also needing some attention, and I feel stretched too thin to give much in that area.

Relationship with PhotoGuy is very good, but I struggle to find the energy to devote to Us. I’m doing my very best, I don’t want this area to suffer because of the other demands on my plate. He is my refuge and my rock when things are tough.

Chip and Shadow are 12 and 14. Age is their enemy. I’m trying so hard to monitor them and be responsive to their needs. Am I doing enough? Are they getting enough attention from me at this stage of their lives? God I hope so, those dogs are my world.

So I scheduled a short break. Four days away from the weight of the world on my shoulders. PhotoGuy memorized all the ridiculous quirks the dogs have trained into me for their daily routine, and their medication schedules. I promised my mom I would flush the public toilets with my foot and “not touch anything.” I questioned why she still feels compelled to have that conversation with me and then decided it was a Mom Thing. I set my out-of-office notification indicating “no access to email” and off I went.

Once the plane leveled off, I slept straight through to Minneapolis. I checked my phone during the layover. 32 texts from family. Quick skim revealed no medical issues with Dad, so… I… did… not… respond…! What a feeling of relief and liberation!! Slept straight through again to Portland with no guilt. 27 new texts from family, no major Dad issues. I decided to maintain my radio silence. It was fucking fabulous.

The next few days were non-stop wise-cracking, raucous laughter, and zero fucks about anything. Oregon is breathtakingly gorgeous, and it was exactly what I needed. We hiked along the coast near Tillamook, we drove through the Gorge, we saw waterfalls in the forests, and we soaked in the hot springs. And the food! I could just die. There was something interesting and comforting everywhere we stopped, always delicious.

view from grassy bluff of coastline in Oregon Pacific North West, with stormy sky and breaking surf along the beach
Stormy sky near Tillamook

During this respite, I was aware of my good fortune. Not everyone has the support system in place to be able to step out of their busy lives for a few days and recharge. Not everyone has planned or designed a way to take advantage of inexpensive soul-quenching fulfillment. These two elements are critical to develop if a person is to continue to operate at peak efficiency over the long term.

Good fortune.

That makes it seem like I’m just lucky. There may be some luck involved, but I also worked very hard to get to this point.

My support system is small but rock solid. I’m naturally introverted. It’s hard for me to let my walls down and really open up. So when I choose to take a new person into my life, on a deep vulnerable level, there’s no going back. I’m 44 years old, and I have 4 people (outside of family) that I can count on when shit goes down. And I would do anything for them, no questions asked. Everyone else can fuck off.

Satisfaction and fulfillment for me have always been from the simple things. I am lucky to be aware of that. As a kid, I’d be lost in books for days. I’d be daydreaming and building my own little worlds in the woods or on the beach for hours. I still do those things, but they have evolved onto bigger projects. I hope they are slightly more sophisticated!

lady on a winter beach, holding a large rescued crab up for the camera
We found this big crab upside down on the beach, we rescued him and put him back into the ocean!

Blending that simple satisfaction into a financial outlook, yes, I am lucky that I am naturally disinclined to pursue material gain. I am fortunate to be a builder rather than a user. The builder mentality seems inclined to pursue longer-term, delayed gratification, seems to be more process-oriented and goal-motivated. It is natural and exciting for me to build wealth one month at a time, one quarterly earning at a time, and measure progress at regular intervals. Even though I enjoy this, it still requires a lot of hard work and discipline to stay the course.

So this brief respite to Oregon taught me – once again – that everyone needs to have a way to step away and recharge. A few days, a few hours, whatever it takes. As I reflect on the adventure, and relive all the heartwarming moments, I am also aware that there is something else that satisfies me deeply. This trip did not break my bank. Between meals for both of us, and a rental car for 3 days, I spent about $380.

Going forward, I resolve to begin scheduling more of these short breaks into my life. I realize now that I can’t just wait until I am completely overwhelmed and take a few vacation days from work. Then I end up just loafing around the house. I need to actually plan. I need to plan a real break, from everyday things. I need to get outside my regular world for a few days and be exposed to new things. And I have the tools in place to easily afford it.

What use is hard work and good fortune if one does not take the opportunity to enjoy it?

So tell me, where do you go when you need to recharge and refresh? What do you do? How do you plan for it?

That time I bought a casket…

I’m going to depart from my usual abrasive tone and get sort of serious today. This is a sensitive topic, and I’m sure to hit a few nerves for insensitivity. Please bear with me, because this is important.

Soooo… y’know… the old “death & taxes” thing? I see a lot of conversation in the FI community and personal finance blogs about tax strategies. This is awesome, it has huge repercussions. However, I don’t see a lot of conversation about the death part, except for “make a will” and such.

The fact is, death is part of life. We are all going to be touched by the death of others as we move through our lives. And sometimes, we may be called to handle the arrangements for someone who has passed.

The funeral industry has huge profit margins. The death of a person is a one-time event, and often highly charged with emotion. Perfect formula for specialty services and high end products.

Step back for a moment. Honoring the departed is important. However, that person no longer cares about the details anymore. Gatherings, ceremonies, arrangements… those are for the people who remain here, rituals to assist the grieving process.

Several years ago, I found myself in the position to make the arrangements for someone who had passed away. The person had not been spendy or extravagant in life, so it seemed natural to follow that trend with the arrangements. As I proceeded, I was astounded at the cost of things. I realized that adding the category of “funeral” to something made prices skyrocket. Much like adding the “wedding” label, I suppose. Anyway, I quickly started eliminating that word wherever possible as I continued with plans and arrangements.

Someone passed a tip along to me that really made a huge difference. And let me be extremely clear here – no affiliate links whatsoever – I just think this is really important:

With a CostCo membership, caskets or urns can be purchased at approximately half the price that a funeral home would charge. Sometimes not quite half, but still.

So here’s how it works: CostCo is partnered with Universal Casket Co. You can’t buy directly from Universal, but once you have the CostCo membership, you work with Universal directly. When I did this several years ago, the membership fee was $55. The casket I purchased was $849 from Universal, and $1599 at the funeral home I had chosen for the services. That is a $750 difference. So that $55 membership saved me $695. There is no CostCo within reasonable distance to where I live, so I never used it again, but it was worth every penny.

The funeral director started to look a little frowny when I told him about the casket arrangements I had made. He began to talk about the “package” of services they offer and how they handle every detail during times of grief, etc.

That kind of pissed me off. It made me realize exactly how much of a cold, calculated business transaction this really was to him. Experiencing grief does not turn people into incapable morons. Pouring oneself into the managing the details can sometimes be only thing to get you through that period of time with your sanity partially intact.

My point is, do your homework. Be informed. Know the rules. Funeral homes are obligated by law to accept delivery on your behalf from any source you have chosen. They are not allowed to “require” you to purchase the casket from their establishment, no matter how much they may suggest so, or play to your emotions. Be polite, but stand firmly by your decisions.

It has taken several years for me to feel comfortable to even bring this topic into conversation. I sincerely hope someone benefits from reading this. Maybe CostCo is not the only way to reduce outrageous funerary markups. What about headstones..? Floral displays..? Comments are open for more suggestions… please chime in!

Brown Bagging It

delicious sandwich, chicken breast, swiss cheese, sliced tomato, avocado and baby spinach on multi-grain wheat bread, also showing apple and cashew butter

Check out this article I wrote for Business Insider about bringing my lunch to work Mon – Thurs. (On Fridays I intentionally eat out with colleagues, for multiple reasons.) I figure I save the equivalent of a mortgage payment every year. And yes, I do actually make the corresponding principal-only payments each month. Very satisfying!

What is Your Emergency?

Lady at work tries to place an outgoing call. She dials 9 for an outside line, 1 for long distance, and her finger slips and she dials 1 again.

This happens to her a lot. 4th time in 6 months. Possibly on purpose..?

Another $20 to Vanguard.

Boiling Point

The Engineers.  At work.  Bickering about the boiling point of water.  Celcius and Farenheit.

They are electrical engineers.  This should not apply.

I could feel my blood beginning to boil.  So I sent another $20 to my Vanguard fund. 

Tracking Number

At work today…

  • me:  Hi Customer, here is the tracking number for your shipment.
  • customer:  Thanks, what is the tracking number.
  • me:  See highlighted below.
  • customer:  Is this for what I ordered?
  • me:  Go fuck yourself.

OK, that last comment was in my head, but I was screaming it silently all afternoon, and Vanguard has another $20 for my future. 

And why is this repetitive task not yet automated at my company?  Over the course of weeks/months/years x 250+ people, it really erodes the highest and best use of time and resources.  I double checked and all the required data exists in the systems.  It should be a matter of writing a script to link those relevant data fields into an email template and auto-send at the point of processing the shipment.  So I fired off an email to The Dude Who Does That… we shall see what happens…

Paper Trail

Lady at the office walks into a meeting with toilet paper hanging out of her pants like a tail.  Not the first time this has happened.  I silently stare out the window so I don’t lose my shit. 

As soon as I get back to my desk, I transfer $20 into Vanguard towards my next investment buy.  I use these moments of office insanity to further motivate my savings rate.

Don’t get me wrong.  It’s a good job.  A great company.  I like my work.  Mostly.

But I want more from my life.  So I save more.  It’s a direct aspect ratio.