Currency |
United States Dollar - USD |
Date Joined |
9/22/2018 |
Salary Range |
100,000 - 149,999 |
Occupation |
Computer Programming |
Age Range |
45-49 |
Cost Of Living |
High Cost Of Living (HCOL) |
About Me |
I've been interested in finances ever since high school, but didn't focus on net worth measurements until around 2008. In the career world I'm currently a Lead Web Developer for a healthcare advertising agency, but I also have several side hustles including music performance, freelance web development, tech repair/troubleshooting, and even photography. Financially, I was raised in a conservative family and shown the important value of maximizing saving while avoiding loan/credit interest. |
Why I Joined |
I started on NetWorthIQ in 2008 but as that site was abandoned and eventually shut down, I moved here to NetworthShare. I like to see where I stand among my peers, especially in the ranks of age, education, and profession. |
Best Financial Decision |
I lived at home with my folks (helping with the rent) until the age of 33, allowing me to maximize savings and purchase a home at a decent price during the "Great Recession" which has appreciated considerably since then. |
Worst Financial Decision |
On the flip side of saving for a house, I wasn't maximizing retirement contributions at the time. As a result I'm considerably behind in where I should be for my age, although I seem to be far ahead of the national average. |
Current Investing Strategy |
As salary has steadily increased, investment priorities are maximizing SEP IRA, HSA, and Roth IRA contributions first, with the remainder into a brokerage, for a 15-18% investment savings rate. In addition, investment properties are becoming part of a balanced portfolio with strong cash flow and appreciation. |
How do you manage your finances? |
Several accounts are designated for specific tasks: 1) Personal checking for all credit card bills, utilities and the mortgage. 2) Business checking for side income, medical expenses and retirement contributions. 3) A six-month emergency fund housed in a high-yield online savings account. 4) Investment account for rental income and investment expenses. 5) Personal savings for home improvement/repair, travel, or fun wish list items, usually funded by bonuses or gifts. |
What tools do you use? |
In addition to Quicken and Quickbooks, I keep watch over my daily balances on Mint and Personal Capital. |
I need financial help with... |
Making the best choices and being more aggressive for mutual and index funds that make up the retirement portfolio. |
Favorite Books |
Don't really read books much. Too busy working and keeping up with daily tech news! |
Favorite Movies |
Trilogy movies or series in the way of action, science fiction or fantasy genres. |
Website |
https://www.kinless.com |
Last Login |
11/1/2023 |
Budget |
This user has not created a budget |