Why I'm Not Responding to Old Boss (Updated)

 This woman is still keeping me up at night even after I settled myself after those first two weeks of spiraling. 

She messaged me again yesterday to check on me. 

It's just all too late by human timing. I would like to say it's God's timing but we all know I missed my destiny so I'm just stuck in this tangled woods of nonsense.

My Maryland Aunt said to be polite and respond and even ask about her family. No, thanks.

Then when I tried to offer insight that I thought we were friends and I did want to let Old Boss know she hurt my feelings, Maryland Aunt was less certain and thought letting Old Boss know upfront might be too much but I could ease into it after a few exchanges. I don't know either.

It kept me up most of the night.

This morning, it just feels easier to do nothing. Obviously, if we ever ran into each other in a work environment I would treat her like any other employee, but I feel like Teams allows you to pretend not to see each other eventhough both parties know the messages are received.

So it's not so much a petty I'm trying to hurt you. It's more I'm trying to protect me and Future Me. 

People ignore e-messages from each other ALL THE TIME. I think it's horrible and I hate being on the receiving end. I generally don't do it to others until they do it to me repeatedly. It's funny how upset they get (EVERY TIME) when they're on the receiving end.  Anyway, I digress.

I think the thought that keeps popping into my head is: I don't want to encourage future texts which means future turmoil.

You're not my friend. Your "business critical" boundary was heard loud and clear. I looked up to you!  And while you've said no one is their worst day, I've been a part of this story and I'm always the one left on the outside.  So it's not because of your worst day. It's because your worst day shone a light on all your other bad days. 

Whatever good you did for me, I feel I gave you my sweat and tears for a year. I would say we're even.  And when I spend too much time looking back on last year, I see way too many microaggressions by your team to make the memories fond. 

I already felt rejected by you on the last day and the subsequent two weeks. I finally was able to not feel such strong negative feelings the third week during my moments of clarity.

It's about 10a on Tuesday and I think that's where I'm at. This drama ends today


2p Update: In the heat of the moment around 1p while on the phone with Spectrum and trying to solve another banking issue, I sent the following text: 

You're amazing for saying that!!! Hope all is well.

By 2p, I regretted it for the following reasons: I found myself constantly checking Teams and Outlook for some sort of response. I remembered that I really wanted to disengage. Ugh, I feel sick. 

There was a solid chance she'd probably try a 3rd attempt, that's been her way when she's been ignored in the past. So at least this put a kibosh on that. 

Another good thing is I don't have to think about it after today so I was able to contain all the drama in Aug. That is a plus.

Let me explain the message. 3 exclamation points - super fake. "you're amazing for xyx"... super fake and my standard response for fake compliments. In the end, it's pretty much like saying nothing w/o the fear of retaliation.

The response was essentially neutral but maybe not as powerful as no response. I think it does leave the door open for future communication though which I don't want. 

Some might say it's the right thing to do because it's polite. But part of it is a little emotional and sarcastic which in itself is communicating a message. 

I think too holding on to it with the silence/no-response was sending an emotional message as well if we're being honest. 

I think once my heart settles, this type of response was probably the best way to go. We're not friends. You were never into me.  You didn't call me. You messaged me during the workday on Teams. This reach-out is a checklist for you so you can feel good about yourself, so I will imitate that so you can continue to feel good about yourself. Because again, you were never into me. I was completely duped, and you completely win. You got the absolution you wanted. This wasn't my race to win. 

And that's okay. This was not my destiny. 

There wasn't really anything I hoped to gain out of the exchange. For a year it was clear I was going nowhere and I was nothing to you. For a year, there was the underbelly of microaggression and weirdness.  You're not asking me back. We're not riding into the sunset together. I was had and you were made. So in the end I figured it out, so I'll give myself some credit there. 

I got out. I'm free!

Sunday Night Confessions

 There are some things I've been afraid to admit or say aloud lest I feel overcommitted to what might amount to be a transient thought.

After reading through last year's blog posts and realizing I'd immortalized transient thoughts that I'd since forgotten, I know this will ultimately do more harm than good. But I'm still needing to get this out of mind. Better here than with human Secret Keepers.


Old Job /Old Boss

As much as I hate to admit it, I still check Old Boss's Calendar. I just did about 10 minutes ago, and I was angered by the fact that Old Buddy still has yet to work a full week/ month and Old Boss says nothing. I mean does she even track this girl's PTO. I was hoping that my absence would highlight just how little this girl does but that does not appear to be the case. When someone has a blind spot, is there anything you can really do to change their mind. Unfortunately it just reinforces how little I meant to her and how my contributions although taxing for me where truly not appreciated.  It's sad to know when I read posts on Ask a Manager that people truly can be swayed by the words of a Snake. So then it makes me wonder if I really should've said something more straightforward. I do know Old Boss does tend to be affected by feedback, but not when it comes to My Buddy. But then I think back to Call Center #1 and my coworkers mentioned I was working from home a lot and my Manager told me about it and made me come back in eventhough I was working the shift none of them wanted. So I don't know now. 

Did I tell you after  2 weeks of angst + 1 week of calm, Old Boss finally messaged me to ask how the new gig was going. I immediately closed the chat. I was in a much better place so The Perfect Comeback felt a little harsh.

Ever since then, I've been crafting different responses. Do I just act like nothing happened? Do I continue to say nothing? Do I just provide a short polite message? 

I'm 100% confident I won't be asked back and the more I creep her calendar the more I don't want to go back. So is this my time for a Jet Blue exit? A modified Jet Blue exit? What good would it do? 

I think knowing the life I'm living now isn't My Destiny lets me know that it doesn't matter in the end and this is kind of what prevents me from taking any action. There isn't going to be a perfect response that leads to a perfect outcome. But boy do I wish there were! 

I know people listen to negative feedback. It always plants a seed even if no action is taken. 

Maybe my response should be... I love not doing My Buddy's work! 

Honestly, it's like - we're not friends and we are mismatched on my value to you. So there's a personal and professional mismatch so what do I hope to gain? 

And just like that I'm remembering all the times I felt disempowered by my employer. Hmm. 

But then I remember, this was not my destiny so it makes sense that it doesn't make sense. Spending anymore time trying to make it right in my mind is a fool's errand. 

I guess that's my answer - spending anymore time trying to craft the perfect response or hoping for a perfect outcome is a fool's errand. Nothing I try will make sense or give me the outcome I desire. 

So yeah my confession is, I've been trying to act like I'm completely healed and have moved on... that my new found clarity has been the panacea I was looking for. But the reality is that it's a day to day challenge to recover from all the past hurts and confusion. 


Other Confessions

Other things I haven't been forthcoming with, I'm ready to be done with work. I can't tell if New Job is going to be the cushy gig I imagine or a ton of work! So to avoid working myself up in an anxious tizzy,  I'm mostly just trying to countdown the days to FIRE. 

On more logistical fronts, I'm trying to figure out that High Yield Savings Account I just signed up for. It takes up a spot on my payroll direct deposit roster and I don't like that. It's causing me stress. I only need it if I make it to next Year. But will I?

Also a part of me really wants to publicly (on the internet, not in person), start counting down to FIRE but I'm so terrified of counting my chickens before they hatch.  I'm just so desperate... gosh, why am I always so desperate... nevertheless, I'm so desperate to do anything I can just to make it ONE MORE DAY. 

I don't want to admit it but there are more and more moments where I want to just completely check out of work and my life. If I haven't already.

I bought two kinds of chocolates today. Part of me knows some of these silly spendy trips on junk food are a coping mechanism for something greater. 

COVID is confusing.

I hate that I'm still emotionally relying on people I don't like that much. It's just bottom of the barrel at this point. But then I remember these people and the current state of our relationship were not a part of The Plan, this was not My Destiny. This is why it's a confusing, frustrating, defeating relationship. 

So there you have it - I'm a tangled mess inside on all fronts - work and personal life and a little bit of money life. 

Aug 2021 Check-In and New Job

 I'm feeling a little distracted while also in need of a distraction. So here we are. This isn't going to be a well thought out post. It almost feels like a chore.

Sundays are hard. Have been for a while even before recent events. 

Maybe we'll just do bullet points to get through this.

 

Work/ The New Job

So I've been talking about New Job for awhile but haven't given you the full skinny. I'm not sure what I've mentioned or what approach to take - just factual or all the things. 

I started a new job effective Aug 1, 2021 at the same company as a Widget Writer. 

How did I get this job? On the advice of a friend of a work colleague, I've reached out to a few hiring managers for jobs I was interested in. I'm not actually sure what started this. But if I remember correctly, this same work colleague had forwarded me this job description because she thought I'd be interested. I didn't think I was qualified so I didn't immediately follow up on it. 

Something must have happened at work. In this moment my brain is remembering that at Call Center #1 when something went wrong, I would increase my 401k contribution. In Call Center #3 (last job), when something went wrong, I would apply to jobs. Or at least look. 

In the end I think I met with about 3 or 4 hiring managers near the beginning of the year. 

Anyway, just to stay on track we'll just focus on New Job. 

Well, maybe just go through the others briefly.

Job 1 was more of a Project Manager job. I spoke with someone currently in the position and I didn't get the impression it had quite the structure I was looking for. But I wasn't going to discount it. What I liked about it was the project manager aspect and I would hope for more behind-the-scenes work. 

Job 2  was a Widget Manager. Think back at the 2 years I spent trying to get a job like this. I actually got so far as a Writing Exercise and created a presentation. I got the feeling I'd be seen as the underdog and I just wasn't ready for that.  Again, I wasn't going to discount it. I postponed the interview.

Job 3 was a Widget Writer. I had no direct experience but my skills were transferable - vendor management, writing, familiarity with the clinical content. The hiring manager initially said they didn't really hire people without experience or with my background. So I felt pretty confident that was going nowhere, but Old Me was still leaving no stone unturned so I left the door open.  The main selling point about this job was that it was remote work.  Somewhere between that dumb conversation with Old Manager about not increasing my salary and the Return to Work email from Corporate, I reached out again to inquire about where they were in the hiring process. 

Incidentally, the hiring manager indicated they'd like to interview me. And so I completed another writing exercise. And since I had the presentation from Job 2, I used that.  I wasn't super excited to jump through the hoops and I almost backed out of this interview again. But I think the downside of getting rejected was knowing I had to stay at Call Center #3. I didn't want any doubt that I had options. 

So I interviewed and presented. Luckily, it was all virtual so I could rehearse and read my answers.

I followed up with the recruiter twice because I started to get anxious. 

I was offered the role.

Salary offer was $130k with same bonus structure.

At the time I made $122k. I was actually not sure if they were going to bump up my salary. I couldn't find good data on the internet of what to expect.  A lot of it was saying lower numbers, so I didn't want to believe that. I knew the position was in the same band as my current role and the last girl that left was offered the same as she was making. So I thought I would probably be offered what I already made. Suffice to say, I was happy with the bump. I thought for a second about negotiating but since it was clear to both me and the manager that I had no direct experience, I went ahead and accepted the offer. 

I will say there was an emotional component to negotiating that people like me have to contend with. If they'd said no, I would've felt pretty sour about it. I mean this is kind of what got me here. People cavalierly say just ask, all they can say is No. Yes, but what about the aftermath. You think you're worth Y and your employer is saying you're worth X. That doesn't feel good. We're in the age of know your worth, #worththerisk. So when something challenges that, that's adversity you have to reconcile. 

So to not go into it thinking I wasn't desired was a big factor as well. 

So yep, I started at this company in June 2020 at $120k. Got the annual increase in March 2021 to $122k. And got a bump Aug 2021 for $130k. That's pretty good by FIRE blogger standards! That's 10k in about a year. I stayed at Call Center #1 for 4 years and I think I only went up $3 or $4/hr in those 4 years. 

Now, there's the actual realization of WTH did I just do. I am essentially changing careers. I don't know that I fully appreciated that because I've always been pretty agile. I was mostly focused on the dollar bills (well not true since I would've taken the job at my current salary); and just changing my current work situation. 

But a month in, I'm still figuring it out. I don't want to cement or publish any opinion because that tends to make me feel like I have to live up to that.

So yeah, that's the money side of the job.

Money Matters

I'm both really close to my FIRE number and far away. I don't know. I'm too afraid to count my chickens to get that excited about FIRE. So I'm mostly trying to ignore it. 

I've applied for 3 Bank Bonuses and there is another one I'm eyeing but for whatever reason I just feel meh about it. 

I feel so meh about so many things that I don't even know what to feel or what my approach is to different aspects of my life. I technically have enough for a 5% withdrawal which financially is fine if I don't plan on living till 80 (which I don't).  I think mostly I'm just reconciling what the rest of my life looks like and how does the money play into it. 

I think what has been a slow shift since I left Call Center #1 is that I'm just working to make money to reach my FIRE goal. Each day just makes that more of a realization. But there is so much to unpack there. 

So if work is just to pad my accounts, than what actually is my life about?


Life Matters

I stopped charging the mobile device that I barely used because during COVID I had been trying to re-establish contact with about 3 or 4 people. It's been irregular and at times unsatisfying.  So then after a bad day in August, I just decided to stop that. With the full realization that I lost my destiny, I'm still trying to figure out what my guidelines and guard rails are. How do you design your life when you have nothing to live for? How do you design your life when you missed your destiny

That's really where I am. I might project that onto work, onto my finances, onto my human interactions. But ultimately, that's the question I don't have an answer for yet. 

I've been trying to self-soothe but I back slid and called my aunt a couple hours ago. I also answered a phone call from a work colleague after 5p Friday.  

I've been on Bumble for a week or so now and it's the most unsatisfying thing.

Just to have something to focus on, my goal is just to make it to the next day. The next goal is just to make it to the end of this year because usually Fall is a time where I can power through. 

I hate to blame COVID but I hate that I can't even escape. If I could just put physical distance between myself and work and this house.


House Matters

Being a homeowner is kind of annoying. There's the seasonal bugs. Now my linoleum is cracking in multiple places. There was this foul sewer smell. There's still the leak that I'm not convinced is fixed.

I hate washing dishes. I still have to get furniture and a washer/dryer. There is a small part of me that hates where I live and wants to live elsewhere, but I know that wouldn't solve anything except decrease my pocketbook.

I'm so freaking tired of starting over. 

There is some lightness with being untangled from all my decisions and future choices having to mean something. There is some lightness with the realization that I royally messed up my life beyond repair. There's some lightness with not being responsible to anyone or anything. 

Maybe the next 4 months will just have to be full of introspection, reflection, probably a lot of mourning. A lot of grace. There will probably be more slipups as I deal with my new reality. Some times I am just hateful and I hate how we can't say the things to people that we don't like. I hate we can't tell people when and how they've hurt us. I don't think this is right. Who started this trend? 

We're all so concerned with not burning bridges externally even if internally that bridge is demolished beyond repair. Why are we forced to live in this alternate reality? 


Friday Check-In

 It's Friday of my fourth week at New Job.

Not much to report as I'm just passing time until 4p when I can officially log off.

Today was a light day. 

I went to get pizza at one of those fast fired chains. I saw pizza on a TV show I was watching and thought I could eat some pizza.

It wasn't too bad. I liked it because they had dairy free cheese and unlimited toppings for the same price. 

I've been trying to think of good eats to celebrate my retirement from the call center, new job (slash promotion), and just overall good vibes.

Nothing yet. I want a cake but can't think of anything I want to make.

On the good news front - I put one load of dishes in dishwasher. I think next summer I'm going to go to strictly paper goods. Dishes are annoying. 

Why haven't they invented disposable pots yet???

There's something so immensely satisfying when "cleaning the kitchen" is just putting things in the trash.

I think next year I might splurge for a robo-vac upstairs.

The linoleum is peeling in the kitchen. I thought linoleum was more durable than that? I mean how much cheaper of flooring can you get? 

Not much on for this weekend - just lounging around. Nothing new.

As for money matters, I may have already mentioned but:

HSA safely made it to Broker. 

After 1 week of no movement with IRA CDs, I tried again. This time I got confirmation that I indeed had Roth IRA CDs when the online snapshot was showing just regular IRAs. So the two traditional IRA accounts I opened were for nothing.  Luckily, I was able to close one at Broker 1 with a chatbot. 

I moved even more money from Regular Savings to Broker 1. I only have $250 in my regular savings account. That's the leanest I've been! (Reader, note that I have other emergency levers outside of regular savings). 

I am trying for 3 more Bank Bonuses. Haven't attempted any all year. Maybe 1? But can't remember if that was leftover from last year or not. 

While reading another blog I was introduced to a 3% savings rate account with HM Bradley but you have to jump through quite a few hoops that makes my brain spin thinking about it. Not sure how worth it it is given my situation. I pretty much have low tolerance for anything that requires a direct deposit. 

I wonder if after the pandemic I'll go back to buying groceries in person at Wal-Mart?

My Freedom Song!

 For the last 4 or 5 years, I've felt stuck. It's one of the reasons that led me to therapy the first time. Today, I feel untethered. I feel free. Free from... free to... I just feel untethered to anything. Any obligation, expectation, result, outcomes.

The scripture that spoke to me said my road is leading to death. That's the message that spoke to me. It's so clear. It's aligned. It makes sense. I don't have to be encumbered by so much decision making for Every. Single. Thing. Work decisions. Small decisions. How do I say this? Do I say that? Did I make this person mad? Do I do this small thing or that big thing? How do I cope? Will I ever get over this?

The song that came to me moments ago was "Let it Go" from Frozen.

I've never seen the movie, but I've heard the song. I think I heard it for the first time during an awards show I was watching with my aunt actually.

I thought I'd print out the lyrics and highlight the parts that are really speaking truth to my life right now. 

The snow glows white on the mountain tonight

Not a footprint to be seen

A kingdom of isolation

And it looks like I'm the queen

The wind is howling like this swirling storm inside

Couldn't keep it in, heaven knows I've tried {Facts!}

Don't let them in, don't let them see

Be the good girl you always have to be

Conceal, don't feel, don't let them know {All the tears, all the frustration, all the concealing of self for the good of the group}

Well, now they know

Let it go, let it go

Can't hold it back anymore

Let it go, let it go

Turn away and slam the door

I don't care what they're going to say

Let the storm rage on  {This is all the world around me; all the old turmoil that came with whatever social anxiety and life anxiety and success fallacy I was belaboring under}

The cold never bothered me anyway

It's funny how some distance makes everything seem small {More recently, the last full year of angst up to an including my departure. }

And the fears that once controlled me can't get to me at all {See above. You've seen first hand the tears I cried for 2 full years. It started even earlier than that. I think I cried at least once on every rotation during clinical rotations my last year of professional school...that was 2014-2015}

It's time to see what I can do {"Looking forward " to see what this road to death looks like.}

To test the limits and break through

No right, no wrong, no rules for me

I'm free {See above}

Let it go, let it go {Feeling completely untethered to ...anything}

I am one with the wind and sky {Just more feelings of freedom and  freed from bondage of all that has been keeping me under siege for the last 20 years}

Let it go, let it go {No use looking back now. My destiny is so far left, so far from where I stand now}

You'll never see me cry {At least not the way I used to...like I just had so much pain inside... and so much anticipation of the pain to come}

Here I stand and here I stay {I'm here.}

Let the storm rage on {The world around me that I just... I just couldn't... well.. *didn't* get right...}

My power flurries through the air into the ground

My soul is spiraling in frozen fractals all around {where I used to be}

And one thought crystallizes like an icy blast

I'm never going back, the past is in the past {Preach! Facts!}

Let it go, let it go

When I'll rise like the break of dawn {Not better, just resolved.}

Let it go, let it go

That perfect girl is gone {She died a long time ago but I so wanted to hold onto her.}

Here I stand in the light of day {It's like Sisyphus and The Myth of the Cave; the darkness was so all encompassing, it sucked the light out of everything; I couldn't see clearly... for TWENTY YEARS}

Let the storm rage on

The cold never bothered me anyway


20 Years of Regret

It occurred to me last night that I've been on the wrong path for the last 20 years.  With unwavering certainty, I believe I’m unhappy and feeling unaccomplished because I took the wrong path. I believed all the dogmas of the day when really I should have been laser-focused on Christ and the path and destiny he had set for me. In languishing in my hurt feelings for 2 decades, I failed to see his glory and I missed most of my blessings. 

When I was 17 years old (20 years ago), I finished high school and was off to college. I applied to State School and Brand Name School in NC. I think I'd seen a flyer for a Divinity Program at my church and thought why not. I don't really remember the reasons why anymore. I was pretty happy to attend State School.  I think because I'd always been labeled smart, I went for Brand Name School. I always love metrics and inflection points and I applied Early Decision. I remember praying so hard that I got in. I made all the promises to God. I probably even bargained that even if I don't get to go, it'll be good to get in. 

Well I got in and when it came time, I decided to go. It was the best moment. I felt like all the struggle was worth it. Finally my life would take off. 

Looking back, I knew financial aid was going to be a problem before I even started. I don't remember why I didn't go back to State School. Had I already told them no? Did I even do a financial aid request for State School? I honestly don't even remember. 

Anyway, I started at Brand Name School. I even started Early. I was confident this was my path. This was my fairy dream come true. Life was going to be just like the movies! 

About 2 months into the semester, my financial aid situation came crashing down. I'm thinking back like, how did we even pin any dream on that shaky financial aid situation. I think we thought God would come through somehow. I don't know. Now that I'm taking the time to look back, I think I knew early on that I wasn't eligible for financial aid or did I find out after I started? 

I don't know, the decision must have come after I'd already committed to going. 

I don't know. Either way, I left Brand Name School. I moved to Maryland where I went on to pout for the next 20 years. I based every decision on the fact that things don't go your way even if "you do everything right." 

Had I changed my perspective and looked forward to new blessings and not focus on what others around me were doing, I believe my life would've been very different. 

I still got to go college. Except I was living with a relative and working full time and taking a bus to community college. I didn't focus on the fact that I still got to go to college. I focused on the fact that I didn't get to go Brand Name College, live in a dorm, and have "the best 4 years of my life."

In retrospect, how lucky was I to have free housing! How lucky I was to be free and autonomous and explore DC and all the neighboring cities. How lucky I was to cashflow college! 

In those 2 years, I applied to dozens and dozens of 4 year colleges because this was not the life I was meant to have!! I would get in but couldn't afford it. I completely lost focus on God's glory. I wanted what I wanted. 

It was actually in community college that I met a group of smart kids who were closer to my position in life than the kids I wanted to be like in Brand Name school. They were pursuing all matters of health sciences. One was pharmacy school. I had it in the back of my mind since I was doing really well in chemistry when others weren't. 

I had nice enough co-workers. I had a girl I was helping study and pass the course. I ate all the fast food my hard earned dollars could buy.

I think if I had approached that time in my life with gratitude instead of deprivation, my path would've been straighter. 

Anyway, all along I thought I wanted to be a teacher but I was still taking chem classes for basic requirements and still toying with the idea of pursuing a pharmacy degree. When I could no longer fit both paths in my schedule, I thought it would be better to be a teacher. It felt Godly. I could reach a lot of people, do a lot of good, and I wouldn't be chasing money or fame. 

There were just so many signs that this was the wrong choice - math classes were at weird hours, I dropped a few because they were so hard. I ended up getting laid off so I had time to pursue the science courses needed for pharmacy. 

But I didn't want to do labs or a speech course. Ha! I've had to take way more useless classes since then. 

In the end, I transferred out to a four year college when I could finally afford it. Undergrad was such a colossal waste of time.  Pursuing teaching was such a disappointment. I hated it. And I still ended up chasing "fame" by way of a fancy Brand Name Master's degree that I couldn't afford. 

I'm getting mad just thinking about it. 

Here's some notes from last night on the subject. 

The people I met along the way are no longer in my life in any significant way because I took the wrong path. That dumb college experience had no significant positive lasting impact on my life.  As the saying goes, the juice was not worth the squeeze. All the effort I put into pursuing that degree and those relationships really was such a poor use of my mental and psychological facilities.  

I think I even missed out on really getting to know my aunt and enjoy her because of the dumb choices I made.  There’s no reason she could not have lived as long as my grandma, but my wrong choices affected her life as well. Of all the roads taken, my life in Maryland made the most sense. 

I was so angry at God and mad at his timing. I didn’t trust his timing or that He was who he said he was. I focused so much on what I wanted and what I thought I should have or deserved. I made that my mission to reclaim what I thought I deserved instead of living the life God had laid out for me. It was a good life.

Some diets work for some people, some diets don’t work for some people even though the basic formula is the same - burn more calories than you consume. I can eat sugar all day everyday and I’m not obese. That's the diet that works for me. Just like there was a life that worked for me. But I wasn't following my life plan, I was looking at the plan of others and trying to make it fit my plan. 

Some people benefit from the struggle and think they have to work really hard to make something worth it. That wasn’t supposed to be my journey. My path was easier than I made it out to be.  

I think just 'getting in' to Brand Name School was supposed to be the end of the story. It was the prize I wanted for my scholastic efforts in K-12 but it wasn't the life I was supposed to have. 

I always remember thinking, my immigration decision came down to 12 days (or something) - why didn't God just fix those 12 days so I could live my Brand Name School Dream. But that was never supposed to be my life. Those 12 days were supposed to change my course forever. That was intentional.  It was my first test from God and I failed SPECTACULARLY. 

Had I never gone to the local community college, I would have never known about pharmacy. I was happily tracking along this path and it was easy. Others were struggling and it was  remarkably easier for me. But in full hubris, I just thought that was more reason why I didn't "belong" at community college. This was why I needed to go to Brand Name School and live that life. 

I was obviously wrong. It was a lot of heartache and that’s what I focused on- the heartache. Not the adventure of it all!  Not the fact that I was surrounded by love and care taking. I didn’t know then how much my aunt loved me. All she'd done and given up for ME. I was too busy being mad at the world.

There were 2 or 3 pharmacy schools nearby. One was even top-ranked for a State School. Just the way I liked it. Nope, I was better than that. I was determined to go to a Brand Name school.

When I look at my cousin's life I often think she stole my life. She inserted herself in the life I created and subsequently abandoned. It’s hard not to think that was the life God had planned for me and I rejected it because I thought I knew better. I thought I deserved better. 

I wonder what kind of pharmacist I would have been - retail, clinical, or industry. Not disgruntled. Likely I would have been in academia.. I don’t know. Or maybe did that and transitioned to industry.

In my original life, I’d be living in a cool townhouse right there in Metro DC with my aunt. We’d ride out the pandemic and be planning our next adventure when it was over. 

I’d probably be married with kids. I only stopped wanting this for my life during the beatdown of the last 20 years when it didn't seem like anything I wanted was ever going to happen. But it was always going to happen - just not my timing and not straying so far from the life I was destined to live. 

I would have been surrounded by love because I would have felt first hand the life altering power of God's love. I'd probably have had a better relationship with my bio parents. I’d probably have been able to bring my other brother over because I would have been thinking clearly. It was going to be maybe 2 years of heartache but I turned it into 20 because I could only see what I thought I lost. 

But I didn’t trust him and I didn’t trust it, and so here I am.

Alone and chasing money.

I know this post is all over the place because I was too lazy last night to write it when the thoughts were pouring in. But I've never been more certain that the last 20 years was just a tragedy of errors. I know now for my life if I’m banging on too many doors, it’s not the right path. 

If it hurts too much or makes me uncomfortable, it’s not the right path. I’ve even been using my feelings wrong.

One of the things I always wish were true when we get to heaven was to have visibility into where we went wrong. I think I already got a sneak peek. I’ve never been more sure that I’m closer to heaven than I ever was before.

The Daily Hope message from yesterday was basically speaking my truth.  

“All of us, like sheep, have strayed away. We have left God’s paths to follow our own” (Isaiah 53:6 NLT).  Proverbs 14:12 says, “There is a way that appears to be right, but in the end it leads to death” (NIV).

It leads to death. That's where I am right now. I strayed so far off the path pursuing what I wanted and now I'm on my way to death. It was clear yesterday and even clearer today. 

Life Plan 082521 (Operation Cruise Control)

 You know how I cope with stress - spreadsheets and plans. Humans plan, God laughs. Isn't that how the story goes. 

So here's how the next 12 months might look. The abridged version from my zillions of notes written all over the place. 


OPERATION CRUISE CONTROL

Phase 1: Aggressively Save (Aug to Dec 2021)


Money: Auto-invest everything other than minimum expenses; min expenses = approx $1100/mon

Money - if you make it this far, whatever balance is at end of 2021 is FIRE number, w/d rate is whatever will get you to $20k/yr in expenses or higher

Work: Set and Maintain low expectations

Mental - Continue work on self-soothing

Theme: Think Cruise Control until FIRE / Final Countdown


Phase 2: Final Accumulation (Jan to Mar 2022)



Money -

Pre-tax 401k (keep contributions same as in COVID 2021 Budget; #easychoice)

After tax 401k (keep contributions same as in COVID 2021 Budget; #easychoice)

Roth IRA (keep contributions same as in COVID 2021 Budget; #easychoice)

Individual broker account: either stop/ or reduce down to $500/mon; invest rest after big expenses taken care of at end of Mar 2022

Bonus Money: keep contribution the same; and invest rest

Money - buy big ticket items (furniture, appliances, go to Spain/Portugal, etc); invest the rest

Money - if you make it this far, whatever balance is at Mar 31, 2022 is FIRE number, your withdrawal rate will be whatever it takes to get $20k or more for annual expenses

Health - get checkup and any other medical spends

Work - maintain low expectations, work semi-independently, smile but don’t make waves

Theme: Think Cruise Control until FIRE / Final Countdown


Phase 3: Hoard Cash (April, May, Jun, July 2022)



Money - change pre-tax 401k to just the 6% for the match b/c no use leaving free money on table; Stop all other auto-investments, all other savings shall be saved as cash in high yield savings account (if possible)

Pre-tax 401k (6% to get match)

After tax 401k (stop, hoard cash)

Roth IRA (stop, hoard cash)

Individual Broker account (stop, hoard cash)

Bonus Money: n/a

Money - save rest as cash, this is how long I estimated it would take to save about $24k after 6% 401k deduction and taxes [about $7600/mon net pay - 1600/mon in expenses (utilities + mortgage + debit card allowance + student loan) = $6k/mon to save]

Health - it’ll also be good to get any other follow-up health appointments as needed and focus on logistics for other things, etc…

Work - maintain low expectations

Theme: Think Cruise Control until FIRE / Final Countdown

July 31, 2022 - QUIT DATE (ok to make it Friday, Aug 5 if need one more month of health insurance)



Escape Hatch (i.e. don’t quit work/life, if this)- Strong will to live.

(As of 8/25/21, I couldn’t even come up with any wishful or magical thinking scenarios that would make me want to cancel this plan. In an earlier version of this, I had to just keep working(/living) until you don't want to anymore. I don't want to anymore. I mean I don't want to quit everything in this very instant, but I know how this story ends. So in this moment, I am for once very glad I overturned all the stones, tried all the things, felt all the feels, and said all the words. )

Expected Expenses for the Rest of the Year and Other Matters

 Yesterday I got the email from Dept of Ed that our student loans will be extended one last time until Jan 2022. That means no more payments for the rest of the year.

Without that payment pending, I realized I pretty much know my expected expenses for the rest of the year. And shockingly, it's very low! I've been thinking if I should just go ahead and prepay everything until Dec 30, 2021.  That way I can just siphon all extra money to investment accounts. 

This is the final push for Phase 1.

I realized there's not any particular benefit to prepay and it in fact might just disrupt all my autopay schedules.

Alternatively, since I use just one account for Bill Pay, I think I might just put that money in that account with a little cushion and I can stop that transfer for the next 4 months.  I don't know. 

What am I trying to achieve. I think I just want to sweep every loose dollar into investments to finish my financial year strong. 

So, yeah maybe...just figure out how much I need for rest of year. Add a little cushion. And then I also have a little bit in savings in that Bill Pay account.

Or I could just keep the top-up monthly transfers as is. I pretty much have that slimmed down, anyway. TBD.

But here's where we are. It's Aug 24, so I believe all my bills are paid for this month.

Here are the known expected expenses. That's redundant but that's just to say anything can happen, especially with this darn house!

Aug 2021: paid up

Sep 2021: $200 (utilities)

Oct 2021: $200 (utilities) + $500 (mortgage)

Nov 2021: $700 (utilities + mortgage)

Dec 2021: $700 (utilities + mortgage)

Subtotal: $2300 in expenses for the rest of the year. 

I'd probably add a $200 cushion if I wanted to leave a lump sum in that account. 

What do I do for food you say... 

Well I have a $400/mon allowance on a debit card that I use for groceries and everyday expenses. During COVID those everyday expenses are varied. But in the past they've covered things like gas, renting movies, incidentals from Walmart, minor auto service.


Other Money Matters

My HSA safely made it to Broker 1 so that old HSA account is closed. One less account to manage and a $3 monthly fee saved. I don't know if I did the transfer the most financially savvy way as I know there's something about transferring a cost basis and I don't think I did that. I just reinvested the money in a new fund. 

I'm still trying to get my IRA CD over to Broker 1 but nothing is happening yet. I think it would've been faster to move it from Bank 1 but their online paperwork is wrong, so I initiated the transfer from the Broker and that is not moving quickly at all. 

I think that's all the money stuff percolating.

I was inching to do a new bank bonus over the weekend but I was taking a bit of a break from the laptop this weekend. And now I don't feel like it. If I saw it to completion, it would be almost $400.

It's weird to think I could essentially pre-pay all my known bills for the rest of the year and just shuttle any new income straight into savings. 

Honestly, at this point, I think my net pay is only about $1100/mon anyway because everything else is being auto-invested, but I think I'll still set reminders maybe monthly to sweep any lingering extras. 

As I may have mentioned, this is the first stage of what is sort of the final push to FIRE. Next year, I'd like to make some big purchases to finish furnishing this place.

This house pretty much is my Death House. Earlier this year a few neighbors put their house on the market which made me think about selling. One went off the market and the other still has the For Sale sign so those angsty feelings have subsided. 

I had a leak which I still don't know whether it's repaired or not as it's been intermittent. And yesterday the stinks of all stinks happened. The foulest odor was coming out of the drain in the laundry room since I have yet to get appliances. Apparently drains hold water to block sewer smells, and I guess mine dried out.

Thanks to the internet, I was able to just pour water into the drain and the smell went away. It's still stuck in my nose and I swear I can smell it everytime the a/c clicks on but I am hoping that is just lingering smell and not new smell. 

So yeah, in case you didn't know - homeownership was never part of my plan I just couldn't find a cheaper place to live.

I decided to send Old Boss cookies next year on our birthday. I'll call a truce in the standoff I have in my head and it'll give me time to get over her without feeling like I can never talk to her again. 

Other Matters

After bingeing She Picks Up Pennies blog, I joined Bumble for the Bumble BFF feature. Only 1 girl has messaged me back so far. I miss the days of AOL chat. I'm mostly just looking for a distraction because of the strong negative feelings I had after The Thing.

We're not dwelling on that.

Now, it's kind of a game. I of course had to check out the dating portion of the app. I watch the Married at First Sight shows and I want to be loved and cared for. At first I was sure the rejection would be too much to bear but so far, it's okay. 

Bumble has this feature where you can see a blurred pixelated image of the people who already said Yes to you, so now when I get shown a profile I like to double check and see if it looks like the blurred image. 

For awhile it looked like every time I got a notification that I had a Yes, the Yes was in the next 5 profiles. But that doesn't always seem to be the case - or they're on to me. 

I haven't been eating well so I have this full feeling all the time because my tummy is full of gas and other rumbles but I'm not really satiated or satisfied with what I've eaten. 

Work is making us get the vaccine or get weekly testing by Thursday (it's Tuesday). I don't want to do either of those things. I don't have any moral opposition, I just haven't gotten around to it.  But I don't think my job should have a say in it. It's weird, when I was a teacher it made sense, but somehow it doesn't right now. 

I just feel like this loyalty to work has already caused me time with my Darling Aunty. It dictated my time, now it's dictating what I can do with my body. I'm not for it. 

I think I'm just annoyed because I'm remote so I'm not coming into contact with anyone I work with, so I shouldn't have to do it but since it's a standard form, there's no space for that.  

I feel like the option should be - get tested or stay home. Not get tested OR ELSE. And honestly, we don't work in a factory. We have office jobs. All of this work has been done at home for the last 2 years, and the world still carried on. I think we'll be fine. 

Saboteur!

 I obviously self-sabotage my own happiness. Yesterday was such a good day. I couldn't stop smiling. I got takeout. I watched TV. I took the trash out. I even stopped TWICE to get gas. Life was really looking up yesterday!

It was.

Then I did a few things to self-sabotage myself. I know the guardrails I have in place are to protect myself. Yet, I jump the fence at the first opportunity.

After quite ceremoniously deleting my Old Boss's Calendar yesterday because I was soooo over them, I promptly added it back this morning. In one version of the story, I wanted to see that they were eating my dust. 

They were not.

It seems some of my responsibilities have been shifted to Mediocre White Man. OMG! Is he about to get a promotion?

Notably, they haven't given any more responsibility to Dinosaur (or Old Buddy...just more meetings for her).

For whatever reason, there seems to be a lot more activity surrounding a project I was working on. Whoops. 

And then a Quarterly Business Review deck errantly landed in my inbox. I do not miss those days. But again it just makes me feel this is why we should've been Sr. Managers or ADs because the other department's managers don't have business review related functions. They're mostly people managers with 1 or 2 workstreams. 

Anyway, the strong feelings actually have passed since starting this post because I got distracted by some other work shenanigans. But this morning the emotional gut punch was when I saw Old Boss was meeting with Grand Boss. Magical Thinking immediately suggested that they were OF COURSE meeting about me to try to win me back. Dang, desperate much. This really feels like all the break-up love songs. Maybe just maybe they if they'd seen my face, they'd be reminded that for me, it wasn't over!

C'est la vie. 

Status Snob! (Am I an Associate Director??)

 Hahah... so there's this quote in The Mindy Project where she comically says, I love exclusive things. Don't we all! Well, probably not all.

But apparently, I am a status snob, somewhat. 

I literally just hours ago was lamenting about how unfinished my career felt since leaving the Call Center.

Then I had a meeting this morning with my new manager and in going over how to fill out the mandated development goals she was like your long term goal would be Director level since you're an Associate Director.

I didn't say anything the first couple times she said it, but then it was revealed that my title actually just says Writer.

Apparently based on my salary band (alone), I should be an Associate Director!

Game changer! Literally, the exact same job but my oh my, what a difference a title makes!! Who knew! I guess re-branding really can have some psychological effects.

I went from feeling bottom of the totem pole (which was fine given my need to disconnect the over-achiever in me) and hoping to coast to FIRE under the radar to quite some puff in my chest. Let me tell you! 

It's slightly bittersweet because I thought the rank was:

Writer

Manager

Associate Director

Director and so on...

And I thought if I was getting paid this much as Writer, then my oh my what room for salary growth! 

But I'm already near the top! I can't be bothered with that just yet.

I'm an Associate Director (AD) y'all!

I literally remember when I was applying for some of the Med Info jobs in the dark ages, I was noticing 5 years out, a lot of my industry peers were ADs. I think it was 5 years, yeah, it was 5 years. I remember thinking how accomplished they were and how much responsibility and respect from the company they must have. 

But alas, it's just another #Officelie.  

Side note - I was reading posts on askamanager.org and she said something to the effect of having to speak "Office" in some of these office communications. I love that! 

Anyway, the narratives I spin with Office milestones.

I guess this must be what it's like when I watch all those "Wives" reality shows and they make such a big deal of going from girlfriend to wife... eventhough no one was waiting to do anything differently outside of the marriage as in it. 

Yes, friends. Just like that I feel some responsibility to perform and take action and ownership of things. 

I'm an AD, y'all! It feels awesome!! 

In case you can't tell, it feels really really good! 

For whatever reason, it's changed my entire perspective. Like maybe the last 6 years weren't for nothing. I know it's solely based on pay, but I had to do work to command that pay, right?! It was the recognition I was looking for! It's what I've maintained from Old Job - all she had to do was tell me I was the best and give me a dollar of her own me, is what I would glibly say because it was essentially true. 

Even if I'd gotten a title change in title only with same level of (over-worked) responsibility, it would be something to acknowledge my hard work, you know! I literally said it to her! 

This is it! 

This feels awesome! 

I spend so much time trying not to feel good because the fall is so great, but I'm soaking in this moment to the fullest. Especially after reading an entire year's worth of grumblings and groans!

Today, I feel blessed.

And it's great too because I can create this awesome narrative in my mind and on my career profile to make it look like I was "promoted" after 2 months. I'm going to include it in our company profile as Writer - Aug 2021 and AD - Oct 2021 eventhough it essentially should have been AD from the beginning... hehe... 

Hey, for consolation prizes... this is the BEST!

This is literally what I asked for! 

On The End of My Call Center Career

 So I think I haven't verbalized or fully appreciated that my Call Center career officially ended July 31, 2020. 

In the context of FIRE, I officially or unofficially retired from Call Center work. I don't think I fully realized that. 

I'm honestly conflicted. I didn't think it was going to end this way. I have such an emotional relationship with money. It's why I don't check my balances often and why I've been reticent to negotiate in the past. If things don't go as expected, I have a temporary (yet all-consuming) emotional reaction that often leads to choices with longer lasting effects. 

To read my blog posts over the last year since I started at Call Center #3, it reads as though I'm really angsty and unhappy. And there were a lot of tears for sure, but I was growing wasn't I? How do you know when the tears mean something. But then a lot of times, I felt I wasn't growing professionally. The narrative in the back of my mind was that there was nothing I could do now that I couldn't do a year ago. Most of that is true. I didn't need 3 degrees to do my job. I think everyday working with people that came into the job with a different background than I did seemed to punch me in the throat. Maybe I felt like I was better than this job. Yeah. It was difficult to reconcile that we could be at the same level essentially doing the same job for the same pay and I took 3 degrees to get here

I don't know. When I read the old blog posts, it feels justified to have left if I was really that unhappy. But sometimes you can just vent. I don't know that I was really that unhappy. What's unsettling is, I don't even remember most of those things. At least not the specifics, but the feelings must have lingered because here I am. 

That's the thing with sharing your life and venting and documenting things. There's a permanency and there's sort of some need for action. I see it with the decline of reality TV relationships. You (the reality tv show cast) see the negative highlight reel publicized and you feel a need to save face where had it been private, things could have been more easily resolved or at least minimized and forgotten. It's the issue I originally had with Mint. It kept reminding me of the fees my broker was charging. I felt this need to act.  

Same with this job...well old job. I felt this need to act. But now I wonder, does every feeling require an action? Can you just have your feelings and it be okay. You can have a bad day or a string of bad days and still like or want to keep your job? Was this job 80% good? It's the conversation I always had with myself at Call Center #1 and why I stayed for 4 years. 

It was an easy job that I could easily clock out of. I never cleared 6 figures like other people in my profession but I also was not stressed. I clocked in, did my work, and clocked out. No homework, no problem-solving. I was to bide my time. It was only when I started chasing money goals did I start feeling dissatisfied and unappreciated. I had to react, I thought.  

In one version of this end of career story, I called my boss's bluff. And I guess she called my bluff because she did not ask me to say or long for me. She cancelled me. I guess I was hoping the threat of losing me would cause some sort of change or desire for me. UNEQUIVOCALLY IT DID NOT.  How in a move to feel empowered, I feel so wronged and disempowered?

I'm scared to complain now because I don't want to look back on this and feel some need to act. 

Did I get used to the chaos? Did I get used to being on the outside? I don't know. Is it even going to be better on this side of the lawn, or is it just more grass?

I think right now, I'm just realizing I'm going to have to learn a whole new field and I was kind of over that. To be this close to FIRE and essentially switch careers. I was prepared to just finish unhappily with Call Center #3. I will say I freaked out a little bit when we got the Return to Work Notice for Sep 1. 

I thought I had at least until the end of the year. And maybe by then, things would be different. I had started to prioritize responsibilities.

This feels like the right move on paper, I'm just having a hard time adjusting.

I think most of all, my time at the Call Center just feels unfinished. 

I do have a history of pre-emptive conclusions. I don't like unknowns. I didn't want to be in limbo with the return to work situation. I didn't want to be in limbo with the - what-the-heck is my job situation? Because really, what was my job? 

Squabbles happen. I was making progress at the Call Center, perhaps not at the pace I desired. But things were happening. 

Suffice to say, there is some buyer's remorse happening here. 

So yes, y'all. I started at Call Center #1 the day after Labor Day (Sept) in 2015 and I ended my time at Call Center #3 a month before Labor Day (so Aug) of 2021. Six years of call center. I started as an agent and ended as an ops manager. That's pretty good. I started as a vendor and ended as a member of a client team. That's pretty good. 

Trying  to find some perspective here.

Actually let's be honest. While at Call Center #3, I day dreamed about being back at Call Center #1 and #2 taking my 6 max calls a day and lounging. Haha. Working 7  to 7.5 hour days.  How many times did I check job boards and try to see if there were openings to go back. But I persisted with the ops role. 

I think it was just clear when I was an agent that there was something more to do. I had big ideas. And I still think I had some ideas for Call Center #3. It just feels like a shame to let 6 years of experience go to waste. That's all.

It almost feel like I was layed off or something. I was reading about this online and it seems it's fairly common to experience feelings of grief at the end of a job- even one you leave pseduo-voluntarily. 

I'm sure this is only part 1 of this feelings saga. I have quite a few more life updates but I have to get ready for this meeting. Happy Monday!

Hateful Things You Shouldn't Say about Your Colleagues

 Yep, it's time for another round of nasty things I'm thinking but can never say about the people around me. For the record it's 11:54p on Wednesday and I can't sleep. I don't know if it helps to get it out or try to suppress it. This is what happens when you don't talk to anyone all day.

Do you ever get the feeling you're being watched?

There was some quote I read on someone else's blog that social anxiety is playing by some rules that you don't know exist. I probably paraphrased it wrong, but you get the gist. 

Some names may or may not have been changed to protect the guilty.

Mediocre White Man tells lies! That time you asked why is he saying this (obvious lie), I had to bite my tongue to avoid saying, he always tells lies! Yeah, he's been doing that since I started. Yeah, that's how he is. Yeah, that tracks. It doesn't help that he's lightly managed by Old Buddy, so she will never catch it and you will never say anything. He was somehow responsible for my training but was telling me a bunch of wrong stuff. 

Kyra doesn't do work! Ok, she does work but it's shoddy at best. She said I had no filter. She always has a tone when I'm trying to get information. When other people ask her to do something, she does it. Especially the "Karens" of the world. When I ask her to do something, she give me stank face and may or may not do it. Why do I have to follow-up with this woman with 20 years of experience? But she's part of your work-family, so I can't say anything. And you certainly wouldn't come to my defense. 

That dumb love fest that she has with Old Buddy is not surprising. Mediocre people love company. Is that how that saying goes?  

I am truly at a loss of what is sooo great about Old Buddy because even the vendor seemed to have some sort of long lost respect and fondness for her. 

Do they say things about me that you've never told me? Doubt it. I feel like you would let it leak out. 

What are they saying about me now? Are you defending me or are you just letting them drag my name through the mud. I wouldn't be surprised if you were the ringleader. I hate that I'll never know.

I've been daydreaming about having a check-in where we can ask each other 10 questions and you have to tell the truth! The actual truth no corporate code and funhouse words. That would be the dream.

Yeah, really, the Team was "so psyched" for my new role that's why they didn't congratulate me or wish me well? How did that reality hit when it landed? Did you even notice? Ha!

What's it like to live in a funhouse anyway? How do you people keep up with all the lies.

What the heck was that database management meeting anyway. Why was everyone trying to gaslight me? Like Kyra, what the heck! Literally, we were on 4 different pages. Why can't people just say they don't know. Thanks for making me go through that 300 item list of documents to archive only for you to ... that's right... do nothing with it! And I can't say anything. Just let it go.

Hey, MERJ, you did work that means nothing.. just let it go!

You did work that no one else wanted to do but everyone gets the credit... just let it go!

People lie and get away with it... just let it go!

People complain, don't do work, make snide comments and still get considered for a promotion... just let it go!

You "complain" or raise issues, and you get called challenging and get assigned more work to get a free trip to the funhouse of lies and gaslighting!! Karen raises issues... nothing but high praise!!!

People benefit from your hardwork while you get shown the door... just let it go!

You're left out and plotted against... just let it go!

This is my issue with the world. Bottling it inside hurts you. Saying it outside hurts others. So you just have to let it go. How does anyone learn?

How is everyone else so good at this? Is it even worth FIRE-ing? I mean, if it's not the workplace, it's other gathering places. 

How do you live your truth in a world built on lies. 

Wednesday 4p Check-In

 So today was pretty uneventful. Praise the Lord! 

There were only a handful of Grace and Frankie episodes so I was out of things to watch around 12n, I think. I tried to watch Turn Up Charlie but it was hard to get into. I mostly spent the rest of the afternoon browsing new blogs. Nothing new as far as money advice but I like reading people's stories. I stumbled upon many more end-of-journey stories this time around. 

Also, the Chinese food place I finally decided to call was closed randomly on Wed. 

So for lunch, I had the leftover side from my $8 Popeye's lunch from yesterday. I like getting the red beans and rice because I can cook rice at home and stretch the beans. So I got 2 servings out of that 1 side- yesterdays' dinner and today's lunch. 

One of the blogs I stumbled upon today was actively engaged in about 10 side hustle apps. The most lucrative were the food delivery apps. For whatever reason, I have never been a small potatoes kind of girl. I remember even with college scholarships - you hear of people getting like 25 really small scholarships that ended up adding up. But for me, it's the same amount of energy, so I'd rather just go for the big bucks.  I think some call it activation energy. 

Anyway, the post was interesting to read, but I couldn't muster the energy. 

I prefer a more stationary side hustle that I have yet to find. 

Then I tried to sign up for something called Bumble BFF after seeing it on someone's blog. After reading about someone else's experience about how the rejection is still very much there like dating, I put that on the back burner for now. 

My mood overall is good. I did shed a tear or two over The Breakup but overall didn't dwell too much. 

I kind of want some fake ice-cream but if I don't have anything juicy to watch, my appetite is pretty suppressed. 

Can you imagine what this week would've looked like working in an office just pretending to look busy! Chuckles softly. 


Wednesday 9a Check-In

 Good morning! It's a little before 9a on this rainy Wednesday morning. As I've mentioned before about 3 times a year, all my hormones are balanced and I feel unbelievably hopeful. Like nothing can bring me down. Sometimes it's a momentary high, sometimes it lasts a few days.

This morning I felt like I could take over the world. The pain is still there like an old memory I have to try very hard to recall. It just feels unreachable. 

I'm grateful for the conversation yesterday with over-achiever. Spilling my guts for the 100th time finally gave me perspective. She laughed which annoyed me at first but later I saw how silly it was. Like, I'm almost 40. If we are suppsoed to act our age, then yeah, it IS laughable that I'm still stressing over another adult giving me a cold shoulder.

This was the shame I was hoping to conjure with my frequent emotional check-ins. And just like that it matters so little. 

I want some waffles. Maybe I'll bake some banana bread. Ugh, I wish the kitchen were clean. Note to self for summer - paper products all day! 

Not sure why it doesn't work for winter, but we shall see. I think because I'm more inclined to cook and bake in winter. 

It looks like my neighbor is leaving for work - fully dressed and with a lunch bag. Wow, it's been so long since that's been my life.

Thanks for the friendly reminder, God! 

When I was perusing old posts last night (something I typically don't do but been trying to reconcile all these feelings), I came across a post of things I wanted to see in my life. One was - WFH job! (I got it!!) and the other was this clinical writing job (I got it!!). Perspective I tell ya!

So I'm officially/ unofficially in cruise control.

I've been trying to simplify my accounts in preparation for ER or Cruise Control ER...not sure what to call it. 

The having to print and sign forms is an obvious deterrent to moving accounts. And I'm on the precipice of falling into a rabbit hole trying to do it correctly.

Right now, my focus is on 

- Moving HSA to Broker 1

- Moving IRA CDs to Broker 1

So far I got notification that HSA was closed, so that's a good sign. 

I tried to email the IRA CD forms to Broker 1; I'm waiting to see if they'll accept it or if I truly have to print and sign.

I'm torn on the robo-adviser. I'd forgotten that they use ETFs and I don't recall enough of my early investing days to know how those move to a mutual fund. 

Let me try to remember what I'm trying to  do

- Tax advantaged accounts - Broker 1 - target date funds

- Regular taxable accounts - Broker 2 - VTSAX

- Cash for daily expenses - Bank

I just want a simplified plan. In the future this will be beneficial as well, so I'm not filling out multiple forms then too. I might have to step away from it a bit and refocus. 

In trying to have a not bummer summer (i.e. spend money), I think I'll get Chinese Takeout for lunch. To watch - maybe finish Grace and Frankie. Trying to save things to watch for a rainy day was stressing me out. So I'm just watching as I feel like it. 

I think it was good yesterday, to go ahead and knock out my modules first thing and then take a break. So I'm going to try it again today.  

Messages received from daily life:

- My low mortgage payment is something to be grateful for (thanks I Pick Up Pennies)

- Corporate work may not be for me (thanks Financial Panther)

Things are Better on A Full Stomach

 Well I came up here at 4p to write about how giddy I was.

Good things

- I bit the bullet and bought the $8 Popeye's chicken sandwich meal deal. Def not worth $8 but spending money was supposed to induce feelings of a Not Bummer Summer. It worked momentarily. I couldn't keep laying on the couch feeling sorry for myself.


Not so great things

- I just gave in to the Devil's beckoning. I messaged the Other Overachiever in a self-destructive swoop. She was actually fun to chat with. Against my wayyy better judgement, she did indulge me a bit as I went on and on about My manager and the weird stuff. She was a bit relentless when I tried to dodge her question about what I thought was weird. So I gave in and spilled my guts. I didn't regret it then, but I regret it now.  I feel like a dumb dumb. I don't like standing up for myself, it sucks. I'm so bad at sharing feelings. I always regret it.  This truth telling and sharing feelings is sucky.

It should probably be a trusted contact instead of isolated events. When will I stop being in these emotionally desperate places!!

You don't always have to ask, MERJ. Trust yourself! Trust your instincts!! Even if you get it a little bit wrong, you're mostly right! I never know what's worse - wanting to do this self-destructive thing sooo bad that it consumes you OR doing the self-destructive thing! 

What's the third choice. And just like that I feel like that sad little girl all over again. 

Anyway, to make a dumb situation worse, I sent a screenshot of the new employee now working under my Manager. I'm sure it's this grand display of how transition should be done. Cry me a river.

I just fed into the drama... I am not better than this, it seems.

Oh but it tasted so good to smear her name a little. It really did. 

I'd love to say this is the end. This is the end. This is the end! Remember how empowered I felt after the chat with my Maryland Aunty. I thought that would be the end. But I will play this broken record until the record player breaks. 

Honestly, I just don't think I have any more internal containers to hold pain. It just spills out of me. It's like an oil spill. It's toxic to everyone around me, but I can't hold onto it as well as I once could. Sorry, God. Sorry, world. There's no more whole pieces left. I can't carry any more burdens, it seems. I just don't have the resolve anymore. I'm tired of people hurting me. I just don't have it in me. I don't. 

I think that is one salient side effect of the shell of a person I am. I used to be tougher. Now more of the time, I just have these emotional swings that get out of control. Everything feels like the right thing. I swing left, I swing right. 

Tuesday, 8a Check-In - Recovering, Doubts about FIRE

 Greetings, friends!

I'm still making my way through this breakup. Today is a light day at work. I'll try to get through 2 modules.

What went well yesterday:

- Did the two modules and not much else

- Resisted the urge to contact Holly-the-Overachiever (not her real name) to see if she shared my venting session

  --- I thought to myself, what do I stand to gain? If she says she did leak the information, what do I do with that? What changes? Old Boss still made the decision to dump me. I wasn't given unlimited chances like the people she really likes. At least I would know, I told myself. 

------In a moment of clarity, I thought why am I blaming myself that someone is treating me unkindly? I'm here racking my brain on what I could have done to be treated like this.  Whack! I think some self-reflection is generally good, but I don't think I did anything that warranted being cancelled.


Some things I need to release:

- Recurring thoughts of "Kelly" treating me differently. Remember she was the one that blurted out that I have no filter. It always felt tense when I asked questions. When Mediocre White Man and Old Buddy would say ask Kelly to do this or that, I would ask Kelly and Kelly would make me do it myself. I realize it was a recurring theme. But this was another one of Old Boss's chosen family so I just went along with it. 


What's making me anxious:

- I'm not sleeping well. Is this something I should try harder to solve

- I wish I would just stretch or spend some time outside

- I wish I knew how to stop magnifying these emotional events

- Should I open my IRA now?

- When will my HSA be transferred?

- How do I enjoy this light-work week and all the weeks to come?

- Am I really ready to FIRE? Will I regret this? Is there something more? Are all these decisions really sound or just emotionally charged? I just think of all the last 3 years of blogged entries of emotional distress and how intense they felt in the moment. They were a cause of a lot of actions including being the impetus of FIRE but when I look back, some of them were completely forgotten. 

- I am craving human interaction, some kind of dialogue. I was on a 1-hour 1:1 with New Boss yesterday (Monday). I got a couple sentences in. Prior to that, the last time I talked was Thursday in a similar meeting, but they're not real conversations. They're just quips to seem engaged. 

- Sometimes I daydream of a Hot Girl life. Should I pack up this FIRE dream and move to somewhere I actually want to be and keep working and earning and living a social life? What parts of FIRE are emotionally motivated? 

Monday 4p Check-In

 Well, I started writing this around 3:40p.

Today was an okay day.


What I did well:

- Worked on 2 training modules

- Did not over-achieve

- Break for Lunch

- Set my status to busy from 9a and plan to log-off at 5p

- Met with New Boss and although I got a little sweaty I didn't have the usual breakdown when I didn't know something; I am a little annoyed that sometimes communication breaks down but I'm just going to roll with it


Struggle Bus

- I kept Old Boss's Calendar checked and on the Outlook app there's a little ticker at the top that tracks her meetings... it's terrible... I guess it's just feeding into my obsession. 

- Overall today was a bad day in terms of Old Boss. The rejection renews itself everyday. Like- really we're not friends? I vacillated from I fully forgive you because I still completely adore and admire you to cold shoulder for life. I found myself wishing I'd confirmed - so from now on you just want us to be Business Critical only communications right? But her silence sort of confirms that. 

Two emails landed in my inbox related to Old Job. One was something I was expecting that week she was away -just an acknowledgement of an email related to a project I used to cover.  It was an email addressed to me and cc: Old Boss plus Mediocre White Man. She wrote back "Thank you!" to the sender. I read it as: I miss you (MERJ). Creepy, right?! What is wrong with me. I am reading between every line, every silence because when I close the door on this, it's closed for good. I don't want to make any mistakes before the vault is shut. But now that we've activated The Final Countdown, I'm overturning no stones.  I fully expect at least 2 more attempts to get my attention.  We shall see!

I've decided not to respond to emails that also include her to tell old colleagues I don't handle that project anymore. That's her team and her remit, she can do it. I always thought it was weird that the Other Over Achiever's Boss told her not to include me on an email because I was leaving. So, if that's the Department's way of doing it, Old Boss can do it herself then.

My heart skipped a beat in the meeting with New Boss when she was listing some players in a meeting I'm invited to on Wednesday. One of the players has the same name as Old Boss. I was like quoi?? But there's no way it would be her. 

Anyway, that's all for now. 

On the bright side, I'm basically turning this into what is now a 3 week vacation. Heyyyo! 

Oh, also, I'm half excited to see if I get any bites tomorrow on the 2 apps I put in over the weekend. Hehe. 

Monday 8a Check-In

 Unfortunately, I still need these check-ins because I'm not getting better. Yesterday was not the best day. This morning I woke up anxious (like when I had Old Job). I woke up with this intense desire to know what went wrong. 

If this is what they call closure then it's what I want. I just want to know. 

Was it the conversation I had with Holly? (names changed)

Was it the lack of conversation I wanted to have with Rogelio?

Or was it really the transition date and your lack of control over it?

Luckily, Holly is out today so I can't message her in a moment of self-destructiveness.

And I'm hungry too.

So yes, I woke up and immediately checked Old Boss's Calendar. Why? I don't know. 

I tried to look up old notes and I don't have anything written from that day. I don't know if that's true. 

I'm hungry. What can satiate this need to know

Sunday 8p Check-In

 Wow, I stumbled upon yet another note to myself apparently from Jan of this year. It talked about churning till Bonus day but finding a way out sooner rather than later. Then why am I so sad? What part of it was me just being dramatic or over-reacting? How many of these feelings were real and not just highly reactive to a transient circumstance? I obviously was seeking out these hiring managers for a reason, but in these last few weeks my boss's reaction has totally shaken my confidence that this was the right choice. 

I wish my feelings were more reliable but they are the biggest liar of them all.

Today was an unexpected cry fest.

Sundays are hard in general but I have to solo-train myself again. I did it by myself for the 5 years after professional school because even then I was not inclined to spend money to make memories because longterm work turned out not to be my long term plan. 

In my notes in January, I didn't even dare to dream of getting to FIRE 500 any sooner than age 42. One hopeful estimate had me at mid-year 2023. That's 2 years from now and even that seems so far away.

Right now, it's just get to the next day. Next goal after that is next 30 days. 

Next week would be the perfect week to go somewhere, but with COVID picking up, I'll need to entertain myself. 

I already decided for my week off in September, I'm going to do the discovery + free trial, so I'm looking forward to that.

Speaking of, here's some things I'm doing well. In case you didn't see my last post, I discovered this website called overemployed.com. It was just the little humor I needed to affirm my Low Expectations mindset from here on out.

So what I've done well (and differently vs last job) so far:

- Taken my time on LMS training modules

- Volunteered for nothing (ok one small thing - I volunteered to update the email DL, never again)

- Did not work weekends (still checked email...namely to see if anything from Old Job...muscle memory and anxious reflex)

- I SCHEDULED 2 weeks of vacation!! (Old Me would've been so worried about making a good impression after starting a job, but whatever. It's an internal transfer and this vacay isn't going to spend itself. Last year I didn't even take bereavement leave when my dad died. Rookie mistakes)

- Scheduled 45 minute lunches where I walk away from computer

- Been trying to be good about "appearing away" on Teams after 5p (actually, this is mixed. I was going to skip logging into Teams at all because I'm still in Training and no one is really chatting me, but I think I still have to manage perceptions...this will be the hardest part for my logical brain. So, when I have logged into Teams, I have been setting it to stay on Busy until 5p and then I set an alarm to remember to change it to "Offline" after 5p.)

So next week my mentor is out, so I'll focus just on my remaining 10 modules and then maybe the week after I'll work through the remainder of the Onboarding checklist at glacial speed. 

- I am now auto-investing pretty much all of my paycheck except a little less than $1100/mon. I only plan to do this until end of year for a couple reasons. One, at some point I'll have to start paying back my student loans. Two, next year I do plan on upping my spending budget to $30k so I can get some creature comforts and a vacation!

But really, just 1 day at a time

Sunday 3p Check-In, It was never about the money

 I mean it was about the money a little. But as I've said before if you had just given me a $1 of your own money and told me I was your best  employee, I would've stayed.

How did I get here?

I think once I felt the personal relationship start to fade, I got nervous and anxious. I just wanted to churn more to get your attention. Will you love me now? How about now? 

When I saw your interaction with her on video, I knew my place would always be on the outside.

But just like the sidelined before me when you start to feel the thing you want the most slipping farther from reach, you panic and sometimes you drown trying to save it. 

But I didn't drown. 

The money was just an attempt for you to give me the assurance I so craved. Money is measurable and can't be refuted. When that failed, I focused my attention on that. 

If you paid me more, that meant you loved me more. When you didn't, it meant you didn't love me at all. A basic bonus meant all my fears were confirmed. You didn't love me as much as I loved you. I was just an employee, just another basic bee. But maybe if I worked just a little bit harder... maybe I need to show you exactly all the effort I put into this job... FOR YOU. Maybe just... only if.. 

After about 2 hours of deliberation, I decided to go to Subway.  Upon putting the car in park, I burst into tears and they were unstoppable. My biggest fan was dead and the last runner up has rejected me wholly and completely. 

A year ago when I moved in, I ate Subway and realized I didn't like it very much. Not enough to pay for it, anyway. When I saw the $6 price tag for a sandwich I didn't really want, I just sat around. Then I looked at Jimmy John's. Pizza was the best bargain but I can't eat pizza all week because I'll fall asleep on the job since it's a light week with a lot of self-study. 

So $6 later, I'm overstuffed. I'm overstuffed because 3 inches was enough to reach satiety (easy when the food doesn't taste good) but because the worker put so much mayo on the sandwich I knew it would be a mushy mess in a few minutes let alone a few hours. Nevertheless, I finished off the rest of my Oreos. So, yep 1 package of Oreos inhaled in about 24 hours. That has to be some sort of record. 

Sunday 9a Check-In

 It's amazing how much my corporate vocabulary has expanded in just a year. I never used the word check-in before unless it was for a video rental. Video rentals- remember those. 

This a.m.

I woke up startled from a bad dream. In the dream, I was held hostage by a gunman. I think we were teachers or in a classroom or something. Somehow I found my way into a closet with a sliding door. Someone else was there. She started shouting at the gunman. When he found us he was like who did it, I immediately was like it was her, not me. Then he shot her. I turned my back and closed my eyes and tried to huddle in the corner. It felt very real. Then luckily I woke up.

Why this dream? I can attribute it to a marathon of Evil Lives Here on ID. And maybe my regret about not calling people out. But then sometimes feeling proud of myself that I don't because it hurts people's feelings. But there has to be a middle ground with not saying anything at all vs calling people out unnecessarily. 

Then of course, I started thinking about my boss. It's just so weird not having work to do or checking email frantically. 

I started to think about things I really liked about her:

- We had the same birthday!! (It felt like kismet!)

- She called me before I started. (I felt wanted)

- She sought me out for a role I didn't apply for. (I felt chosen and special.)

- The cookies she sent in July. (at the time I thought it was just for me and I felt special, but later learned everyone got it mid-year.)

- She drove to Vegan Treats to send me a birthday care package. (I felt really special!!)

- She used to send me pictures of her daily life with her kids. (I loved it. I felt close to her!)

- She would message me Happy Monday and that she missed me when I took time off. (I loved it and it made me feel like we were friends. I felt special and valued.)

- She called me a couple times on her long drives from one of our out-of-state office. (I loved it.)

- For 6 months, after I started, she was the only person I wanted to talk to and did talk to. I just couldn't handle my family after my aunt's passing. (I thought it was divine intervention.)


What I didn't love

- The gaslighting

- The stress, the anxiety, not really knowing what the expectations are

- Doing what I thought was My Buddy's work (when I started she explicitly said My Buddy can't be expected to prioritize work because she has young kids at home; My Buddy was supposed to be an expert on telephony and Call Center and workforce management, QC but when the time came, I didn't really see that and I made more contributions than she did)

- Not being paid for my time appropriately

- Being asked to do more work as payment for good work


Today, I think I miss her a little. 

Somewhere along the way (I would wager prob around Basic Bonus Day?), the cute messages stopped. After my last 1 week off, I got no personal messages during my time off or upon my return. The Monday Messages stopped. Didn't respond to my latest text messages. And I was just overworked with none of the emotional benefits. I remember seeing her and My Buddy in the office (on video call) and just the way they interacted with her, I knew I would always be the odd man out. I under-estimated how close they were (even after a year of not having that girl do any work and learning I was essentially hired to help her). 

7p Check-In

 How am I doing right now?

Haven't cried in at least an hour. Prob longer. I distracted myself today with My Lottery Dream Home. A few blog posts. I went to the grocery store and got some Oreos. Then I got some cups because I didn't feel like washing any cups and they're all dirty.

I was clicking around the internet and a news story popped up about people working 2 WFH jobs. I loved it! I couldn't read the entire article without a subscription but I clicked around and found some other stories. 

It's actually something I tried to do at Call Center #2. I had significant down time and wanted to capitalize on it. That's how I got into bank bonuses. Anyway, I was unsuccessful.

But there's this website called Overemployed and it was delightful to read. It got me thinking, I remember in the last 12 months, My Buddy had a lot of mysterious absences. I always thought she was interviewing now I'm surely convinced Homegirl has a 2nd job! 

All the signs were there - mysterious absences. Silence in meetings. (No work.) Late for every task. I think she just scheduled a bunch of meetings as a cover. Always had computer/network issues. She's been two-timing. If it's really true, mad respect. Haha. 

She's savvier than I already thought she was. The best part was not doing the work she was hired to do and getting the business to hire more people to do it for her while she works a whole other job. 

Anyway, for funsies, you know how Brain works... as soon as I call Time of Death on something, it's the only thing I can think about. So once I softly announced I'm officially/unofficially retired from Call Center work, I immediately started looking for Call Center jobs. Ugh, this Brain of mine!

Maybe not immediately, but when the idea of looking for a 2nd WFH job resurfaced, that was my go-to.

And yep! I just applied for 2. Haha. It was more fun this time because it felt like a big secret. I don't know if I'll feel that intense regret and rejection if it goes sour, but we shall see. I think I may also follow-up on anymore contract jobs from those silly recruiters that land in my inbox. 

This should be fun! 

It was also just nice finding a little bit of support on the internet from people who've had poor outcomes at their job. Churning for nothing. I really do need that support group to stop feeling so crazy. For those moments, I really felt empowered like I made the right decision to get out. 

I love the tenets of OverEmployed. They were like set low expectations from the beginning. I guess it's just an open secret in corporate America that I either didn't understand fully or refused to believe - doing more work often leads to more work, not more money. It was 100% evident in my role and in our team of 4. I just didn't want to believe it.

I like the overcommunicating tips and the perception of looking like you're doing work. I definitely saw it in The Dinosaur. She literally spent a 30 minute meeting showing me how she sent an email. You're 50 years old! Email has been around. 

Now that it's a little bit of a game, I might be able to get onboard. 

Alright, that's enough of an update. 

HSA, Money Matters, Early Retirement now???

 It's only 12n on Saturday. If you can't tell all this downtime is making me anxious. My feelings are in transition.

I did something good - I re-read my original Q1 proposal to my manager. I think it was great, better than I thought. I laid out what I wanted plainly and provided data. 

I was thinking it was some sort of emotional plea. I was thinking I had attached it to some other email, but no. I presented my idea and gave room for her to come up with an idea. So no, I didn't specifically say - create another role for me. But I did say, can we come up with a plan to get me to $140k. So, fine not within this role, but the plan you came up with is what to help me get another role. 

Okay, I feel really good. Once I allow that to sink in, I will feel better. I did it right. Ugh, gosh. It really does pay to do the right thing, less questions later. I did the right thing. I plainly asked for what I wanted and she specifically told me to look elsewhere. 

It was business. So why am I still stuck in this negative feedback loop? I don't know but I hope it resolves soon. Well, as I've always said unexpected outcomes land in my brain as a misfire. My brain doesn't know what to do with it. I don't know how to reject it. So it lands in all the wrong places. 

Anyway, thanks to one of my budget apps, I noticed a service fee that I otherwise would not have. My HSA started charging me a fee in Feb of this year, apparently. 

When I called my HSA servicer they said that usually happens after you leave your employer. I didn't want to mention I left my employer in Jun 2019 (#noteveryoneisgoodattheirjob), but okay. 

I haven't opened an HSA statement ... I thought since tax time, but I didn't notice it then. Why? So maybe I didn't notice it or I only looked at 2019 statements. Not sure, but I'm pretty sure they would have continued to drain my account at $3/mon until who knows when. I didn't notice it at my Q2 Financial Check-In because I think the investment balance had gone up but the cash balance had gone down. And because everything is on auto-pilot, I have not been that great at checking statements.

Well, now I may just need to keep these apps around. 1 win for technology. 

Anyway, being such a fangirl of A Purple Life, I'd read her...well more like skimmed her review of Lively, an HSA service provider.  I knew there were options, and I immediately thought that's where I'd move my money. First, I asked the internet. 

It turns out some big name firms also handle HSA accounts. I had no idea. So while I originally was going to Lively, since one of my current brokers will service my HSA with no monthly fee, I went with that! 

And it's a little bit better than my current provider not just because it's no-fee but I don't have to keep a cash balance. So I can invest the whole thing. Don't ask me how to use it for actual expenses, but here we are.

Other Money Matters

I think I'm finally ready to move my IRA certificates at the bank to a broker. I had just captured it as part of my safety net, but then for whatever reason (read: the last 2-4 weeks of job related turmoil) it finally hit me that wait - it's still considered an IRA so it's not as easily accessible as I thought. I would still be charged taxes and a penalty for breaking the CD. One was set to mature in April of next year and I think the other just renewed for another 5 years. Normally, I would be concerned with the early closure fees but at 0.15% and 0.55% I think I stand to gain more investing than I would lose at those dismal rates. 

I'm not sure why I didn't realize it sooner. I think a part of me lumped them with some Roth IRA certs I might have had where I would have been able to take out the money without taxes or I just focused too much on the CD part. Or I had been a novice investor. Or at 1 point, they might have really high rates. 

Either way, I'm still vacillating between Broker 1 or Broker 2. Mostly, just thinking long term because at this point, I would say I'm coasting into Early Retirement.  Broker 1, just by chance, has my 3 401k plans, so should I just keep all my "retirement" related accounts there just for arbitrary alignment. 

Broker 2 is known for lower expense ratios so was thinking of moving my regular brokerage accounts there. 

Also Broker 1 is where I started moving my HSA and I didn't want too much activity there to cause confusion. #noteveryoneisgoodattheirjob


Am I in Early Retirement? 

After my latest psychological hulabaloo, I think I've just "forced" myself into early retirement.  I hit 400k (includes in case of emergency-only accounts I don't normally count) sometime this year and around that time learned that some people do a 5% withdrawal. It doesn't have the same level of confidence that you won't run out of money, but again, I don't need to live to 100. 

Forced seems like it wasn't at will. In some ways it wasn't. However I got here, I have officially retired from the Call Center. As of the last 2 weeks, I don't work in Call Center anymore. After 6 years! I can't believe it! Six whole years of Call Center. It certainly wasn't what I pictured when I was studying for my doctorate for 4 years, but here we are. The money worked out and I'm extremely blessed financially. I think seeing that my Old Team was posting for my role (at least I thought so at first, now I don't know), made me snap back into reality. There wasn't any going back. I was just a girl they used to know. 

So yeah, I don't work in the Call Center anymore. And having reached 80% of my FIRE goal, I don't really see myself digging my heels into this new career path. So, I'll do a good job (hard-wired), but I'm really just on Cruise Control until the next Money Goal. 

I have so many thoughts on it but my brain won't let me go there just yet, so please stay tuned! 

In the meantime, I ran some catastrophic numbers for worst case scenario. 

According to Personal Capital's simulations, for a $400k portfolio at 5% withdrawal, there's a 10% chance I'd run out of money in about 15 years, but more than likely, that money would last for another 30 years and then run out. 

30 years seems like a long time but age 70ish doesn't seem as old as it once did. 

I tried in FireCalc, and they said I had a 74% success rate of not running out of money in 30 years with a likely balance of $420k at the end of  those 30 years. 

So financially, the odds are in my favor. I think psychologically, I'll just have to focus on the fact that although it wasn't my first choice, at least I had options and the financial confidence to pursue another opportunity when I recognized the current one wasn't living up to my expectations. 

I just don't recognize that part of myself. Who is that girl?