The Boring Middle

The title of this post kind of says it all. I’m in the boring middle. I thought it would make for a good post tot talk about how I’m dealing with that.

How to get to the Middle

Overall, I got to the boring middle fairly simply, I got my finances in order. There’s nothing all that exciting to do. I’ve got my emergency fund, and I’ve figured out how large it needs to be. I’ve automated everything that I can. I’ve got a decent budget with a handful of still outstanding questions.

But overall there is nothing for me to really do as far as my finances are concerned. I just need to keep plugging along until I hit FI. I’m sure things will come up, that’s how life works but for now it’s just keep putting one foot in front of the other until I hit my goals.

The Urge to Optimize

The hardest obstacle for me at the boring middle is to avoid the urge to tinker. Any good engineer learns to optimize it becomes near a default for us when approaching something: solve the problem then optimize that solution.

I’ve already optimized my finances quite a bit. But there’s always that “I can optimize this a bit more” I’ve got nagging me in the back of my mind. I could try for slightly better returns or a more optimal asset allocation or so many other little things that I could change.

But the kicker of making all those changes? They probably don’t matter. Does getting 0.001% better returns every year really change anything in the grand scheme of thing? Does saving an additional 0.05% change anything at this point? The answer to both of these questions is that it isn’t worth it. Yes a better return will get me to FI faster but the additional risk I take on for that return is not worth it. Yes, saving more money gets me to FI faster; but the better way to do that is to increase my income not increase my actual savings number, I’ve hit a good balance and optimizing it further is going to overcorrect one way or the other.

Wrapping Up

I know it’s a bit of a shorter post but it is what has been on my mind recently, I’ve hit the boring middle and I’m just plugging along there. I’m sure I’ll have more thoughts on this as I work through the period.

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