What is making me so sad and anxious?

I thought I had a great weekend and I've been enjoying the random influxes of free money and low call volume at the Call Center where I work.

But this morning I woke up grumpy and anxious and sad. And I'm not quite sure why. I know something is not quite right when I actively engage in my doomsday habits. I haven't brushed my teeth in a couple days; yesterday I refused to draw the curtains; I ate cake after 8p. I have this permanent scowl on my face; I started compulsively searching on Indeed for new jobs (didn't apply to any, but came close).

I have a brand new roof over my head; I have my job (which requires so little of me); I have plenty of food.

What is swirling in my head right now?


  • I haven't been eating that healthily, mostly just what I want = fat and sugar.
  • I might be a bit constipated.
  • Contacting and waiting on HR to update my address with Benefits Administrator.
  • Thinking about contacting HR about my WFH stipend.
  • Filing Amended taxes.
    • Figuring it out.
    • Printing it.
    • Writing a check/money order.
    • Going to the post office to mail it.
    • Waiting to see if it's accepted/rejected.
      • Dealing with it if it's rejected.
  • Figuring out how to withdraw the excess HSA contribution from 2019. 
  • Waiting to hear back from Wespath regarding my aunt's death benefit.
    • Them giving me even more pushback regarding who is actually on the beneficiary list and trying to figure out how to honor aunt's wishes there.
      • Just the impending doom of another fight with them (Wespath). 
    • Do I tell the mother of the deceased beneficiary? I don't feel compelled to really share the money with her or her other kids. I'd rather it go overseas.
  • Had accepted the tacit rejection from the latest Big Pharma interview, then got a check-in that said my candidacy is still pending (i.e. still no job offer). 
    • This recalled old rejections that started out this way.
      • Which I often feel compelled to counter with more applications = vicious cycle.
    • I've been dealing with this same recruiter since January 2020, and with this company since Feb 2019; why can't I cut them loose! 
    • So now I'm back to Anxiety Square One. 
  • Is the friend I was trying to shake off brushing me off?
  • Why has my other aunt not been as responsive lately?
  • Should I still take my 2 days off this Thursday and Friday considering our workload is so low or just tack it on to my October vacation?
    • Am I really going to Spain in October?
    • If I get this Big Pharma Job, that'll be 2 free days off!!
So, naturally I'm going to do nothing.  Probably eat some more fat and sugar; turn a blind eye to pending tasks; and wallow in self-pity. 

Mistakes and Lessons Learned with My HSA

I believe I just finished week 3 in the new house. Yippee. So far, so good! Some weird noises and untidy pet owners as neighbors, so only time will tell there.

I'm still getting into a routine, including a financial routine. With opening new accounts and scheduling payments for new expenses - including what is now my 2nd loan servicer before my first payment is even due- I find myself checking accounts or making financial transactions almost every single day so far. I actually enjoy it a little as they are usually little problems easily solved - like setting up a recurring Billpay.

Earlier this year when I was filing my taxes, a note in Credit Karma Tax alerted me to the fact that you could still contribute to your 2019 HSA in 2020. I originally opened an HSA as a monkey-see, monkey-do. A personal finance blogger I follow did it, so I always thought when I had access to one, I'd do it too. Well, that and the other health insurance plans were so pricey! So I figured I'd take my chance of keeping my money with an HSA.

The first issue I had was a payroll issue. Due to some misinformation and trying to contribute extra payments, I missed contributing on my last paycheck in 2019.

The second issue was trying to use the HSA that I opened in 2019 for a medical expense I incurred in 2017.  That's not allowed.

After learning about the ability to contribute to a 2019 by 2020 Tax Day, I corrected both of the above issues before filing my taxes in February 2020.

Just a couple minutes ago, just clicking around in preemptive readiness of the job offer that has not yet happened but is stringing me along, I discovered your HSA annual contribution max is pro-rated to the months you are actually eligible for the HSA, for the most part. There is a last month rule but that wouldn't apply here since I can't predict the future.

Basically, what this means for me is since I was only eligible for an HSA in October, November, December of 2019, my max HSA contribution is pro-rated. Actually, as I type this, I need to double check. I started with Call Center 2 October 7, so I don't know if I was even eligible for an HSA for October since I started after the 1st of the month.  Whether it's 2 or 3 months, I contributed way more than that after I contributed additional payments in 2020. Not sure why Credit Karma Tax didn't catch that?

Ok I just clicked around, and the the language I read on the IRS web-page, says one of the qualifiers for an HSA requires being covered under a high-deductible health plan on the first day of the month. Since my official start date was Oct 7, 2019, I'm guessing I don't qualify to contribute for Oct 2019, even though according to my employer, our benefits started the date of hire. So to avoid any more mistakes, I'm going to calculate my 2019 max contribution based on November and December 2019 only = 3500 / 12 x 2 = $583. I think that's even less than what I had originally.

Grrr!

So for the first time ever, I believe I am going to have to file an amended tax return! I mean I love a good financial mystery, but gee golly! I really need to read the fine print. This is one reason I'm sometimes hesitant to embark on new financial adventures.

Some good news

So yesterday was a crying day. Part of what triggered me was closing out some unfinished business having to do with my aunt's "estate."

To recap, the plan administrator for her death benefit had made the check out to her "Estate" instead of her designated beneficiaries. After a couple months of back and forth and me finally throwing the weight of legal counsel around, I got an email today saying they were going to reissue the payment to her beneficiaries.

I was happy about the victory, but there are two remaining battles. One, I would like a copy of the beneficiary form. Two, some of my relatives live overseas, so I'm curious to see what the plan administrator are going to do about them. My best guess, from clicking around the internet, is they are going to say those people are unable to be located. Then I imagine they would probably try to issue those funds to the estate, but I would prefer they just at least divvy it up to the remaining beneficiaries so I can get some of the money to my relatives overseas. So I'm a little bit happy but also filled with dread that it's not over yet.

I just have such disdain for dealing with middlemen.

Ugh, in other news I can't shake this friend I've been trying to shake for the last year or so! I'm just so bored and desperate for limited human interaction sometimes that I take what I can get. Right now my latest complaint is our communication styles. She grew up mostly an only child so is used to telling long stories. Maybe I'm jealous? Isn't that the first leap critics make? But to explain something, I have to hear every emotion and action and backstory. Which would be fine, but I feel like when it's my turn to talk, I don't get the same airtime because this family member is calling, or she has to deal with her partner, or her baby.  So part of it is I came from a large family where kids maybe didn't get that much airtime, so I always keep my stories short and to the point. So I feel like when I'm trying to vent or get out a long story and I get cut off, it's doubly annoying!

This just affirms for me why I chose not to pursue friendships with women with partners or children. But as I said, these days I have yearning for more human connection, so everyday I say this is the last time I'm talking to her for awhile, and a couple hours later, we're emailing, or messaging, or Skype calling. It's my own fault.

Which brings me to my next point.
What easy craft-hobby can I start during the  rest of our government shut in? I have my aunt's sewing machine, but I don't actually know how to sew and I don't really need clothes.

But there must be things outside of clothes I can make? I just miss my aunt! She was so fun and full of life!

Made it 4 days without crying

I'd made it four days without crying. Then yesterday was a slow day at the call center (where I work), so I started running some personal errands online.  One of those was fixing a death benefit payout for my aunt. The plan administrator made the check payable to her estate due to my aunt filling out two different forms for her 2 different plans.

I think what my aunt filled out is correct, but the plan administrator is saying they only want to honor the last form she filled out which didn't specify beneficiaries for her death benefit. It was so upsetting that I had put it on the backburner. Yesterday, I decided to follow-up. The first lady I talked to at her former employer's stated she was not getting involved. I spoke to two people at the Plan, and they looked into it and said they'd check back with their compliance department but then ended the call saying compliance had already looked into it and more than likely the 2011 form would apply. Basically, nothing would be resolved.

Knowing the discrimination she faced working for this employer- I mean, even when I call in, they still refer to her as a him - it just frustrates me that even in death, people are still mistreating her.

Then today was more frustration. And I just had a nice cry sesh not too long ago. I mostly just regret that she died alone and I could have been there. I regret not doing better.  It would not have killed me to move to Florida as she would have liked. Or even have her come crash at my studio, or even get a 2 bedroom apartment as one of my relatives suggested. I was so steeped in my sadness and self-comfort that the woman who sacrificed her best years of life and finances to take care of me died traumatically alone in a crappy hospital bed at a dingy hospital.

After seeing how easy it was for one of my cousin's to have a memorial service for her at the retirement home and hearing how my aunt had thrown herself a birthday party in that same meeting hall, why didn't I throw her a 70th birthday party? I KNOW FOR A FACT SHE WOULD HAVE LOVED IT! She loves people, parties, and surprises. But no, I was so caught up in what would bring me comfort and my own sadness and limitations to step out of myself and do something for someone else, for her.

It was like I had an inclination of what to do, what she would like, what the right thing to do was, but I rationalized myself out of doing it.

I can't move to Florida - it's too hot, it's too many bugs, my crazy cousin lives there, too much drama, the rent is more there and I'm trying to FIRE.

I can't take care of her - I mean I'm not a nurse? If she needed anything, she would still have to call 911; we just don't get a long that well; I remember saying you can care about someone but that doesn't mean you should be their caretaker; her needs are too great; I can't be her nurse, companion, housekeeper, and her niece at the same time.

I tried to buy a house here in NC that we could live in together - it was not in my FIRE Budget; I was so focused on the money; I figured she gave everything to me and God never gave her paradise on earth, so why should I risk it, but maybe I was supposed to be her paradise.

I failed at the surprise party twice - the first year my aunts (her sisters) for different reasons couldn't make it; the second year she got sick and it didn't seem like a good idea or I just gave in to other people not wanting to commit to it; it just seems like when the going got tough, I just backed away.

The trips she wanted - she'd say I just want to go somewhere, I'd say where; I'd convinced myself she was too sick to travel; we couldn't go to Hawaii because she couldn't really walk on sand and wouldn't get in the water, so why spend the money; when she wanted to go Germany, I said save your money; when I went to South Africa, she really wanted to come, but I just wanted to be alone and get away; the Israel trip - just never happened, I had unpredictable gyn problems, I thought there would be time.  But mostly I prioritized my needs and wants over things that would have added a little joy to her life.

I'd say to myself - if we had a family home that she lived in, I'd move in a heartbeat. Because that would be easy.  But lots of people sell houses to be closer to loved ones, I just had to move out of my studio apartment.

What if she had phoned it in for me? I could have been living on the street, homeless, uneducated, damaged, broken.

What other lies did I let myself believe to get out of any real responsibility - I can't stay more than a few days; I feel like a child around here; I'm too sad to help, God understands; I've lost my voice - God would not have let that happen if he really wanted me to advocate for her; her doctors will take care of her; the aide will help her; she at least has people her own age at the retirement home that way I don't have to be her everything.

Basically, since my aunt's passing, I realized that the love she had for me didn't look like what I saw on TV so I didn't recognize or appreciate or reciprocate it when I had the chance. I finally got a house the two of us could live in - it still doesn't have a bedroom downstairs, but we probably could have made it work; so much of what I've done she'd be so proud of; I would be asking her for help for so many things; she would have loved to help me set it up, buying me all sorts of things to make the house a home. Coming into adulthood, I would deny her role in any of my accomplishments - I studied and got those grades; I got into college; I did this, not giving her full credit for providing me a safe, happy home, and her full support.

Now that I don't have it, I feel more alone than ever before!

The Race to $250k

Some recent life events have triggered and affirmed my plan to die Sat, Nov 8, 2031. Honestly, I'd forgotten the date and had to check my notes (and this blog). No one (God or otherwise) is coming to save me. I have to save myself! Adults meet their own needs.

Not getting the Big Pharma job was kind of disappointing. I'm handling it much better than anticipated, still not that well, but much better than where I was this time last year. I broke my own rules chasing the dollar. Oh, well.

I remember last year after my first job rejection thinking I never wanted to feel this way again. But my next thought was to fight back, so over the course of 2019 I'd inevitably get over it along enough to keep applying and keep hope anew.

But alas, it's true, I never want to feel this way again.

And if it's not this, it's something. It's little things too.

The joy I feel knowing I can check out when I want excites me, provides some sense of control. I like just having it as a default.  To me it's like, this annoying, stupid, hurtful thing happened, oh well, I'll be dead in x years.

I did the same old scratch notes as before, no real concrete plans, and decided to headline my next financial goal of $250k. That's my default goal for now. If I get fired or don't reach it by 2021, there are different branches of the decision tree.

But let's follow the happy trail for now.

Step 1: Reach $250k in savings and investments by Oct-Dec 2021.

Other things to do before then include taking a trip to Spain and Portugal. Not really sure why as much as it's a bucket list item and on my death salary, I don't think I'll afford to travel. Honestly, I don't enjoy travelling that much anymore.  Well, I  mostly just don't like not sleeping in my own bed; disrupting routines; air travel; and spending money.  But I figure those are the only other things I can think of that I wanted to do at some point in my life - that or maybe visit Israel. But Israel doesn't seem that relaxing or economical.

Other things 'going good' in my life
I finally got a shower head that shoots water instead of a light mist. In case you're also in the market, I got the Waterpik brand w/ PowerSpray for $22 at Walmart.

Some of my good routines in my new house/life are ongoing. Still keeping internet and TV out of bedroom. For most nights, I've been falling asleep and staying asleep to the sound of an audio book. Only once or twice, I've had to restart the audiobook after it automatically shut off.

Most nights, I have not been eating after 8p, so heartburn symptoms are at least not progressing.

I've cooked and used my oven three times just this week.

Love having a job eventhough the call volume has dramatically decreased (not so everywhere else in the world)!

Opportunities for improvement
Still working on stretching regularly.
Got a pile of dishes downstairs to wash.
Still not sure what to do about garbage pick-up. If I were brave, a colleague suggested talking the next door neighbor into splitting the cost. Ugh, humans.

Money news
I finally got my Chase credit card and kind of decided to use it even before shopping for washer and dryer. I need to watch that. That's a slippery slope. I've been in credit card debt twice now. But again, I got seduced by the dollar. I get $200 cashback if I spend $500. And there are 2 other cards I plan to apply for next month with similar cashback deals. I rationalized that I'm spending such huge amounts outside my normal everyday spending to setup house, that I might as well take advantage of some deals.  Keep me accountable on that, would ya?

Contemplating getting a kitchen utility table that was about $110, but with shipping and tax, it's about $150. That's more than my brain was hoping for.

Decided when the time comes, I'm going to sign up for direct deposit for stimulus checks. I usually don't like giving the government my information like that, but I figure I'll just use it to meet a direct deposit requirement on one of the bank bonuses I'm churning - two birds, one stone. I get the money faster and I don't have to give my information for my regular account.