 Fair enough
Sorry if I'm getting down on you, man. These things are just hard for me to understand especially when the numbers go wonky.
Let 1Q=3 months
3Q=9 months
9 months @10% $40K=$36K
3 months @$40K=$120K
12 month tot=$156K
Hmmm . . . how steep was the rate of traffic increase or . . . did you find 22% passive growth somewhere? If you did, please share.
I know you are not on a fixed income. I just have this nagging belief that to feel truly wealthy and independent, your monthly expenses should equal 1/3 or less of your monthly income. This way 1/3 of your resources can be dedicated to minimizing the impact of various liabilities such as emergencies, accidents, random illness, approaching retirement, massive economic slump, law suits, etc and 1/3 of your income can be dedicated to various upward mobility schemes such as education, business ventures, establishing family trusts, home ownership, etc. I conceptualize it as 1/3 for the present, 1/3 for a future you can't control and 1/3 for a future you can control. Call it OCD or financial yoga, but with my strange way of seeing the world, I really think it works.
So you can imagine my dismay when I see a highly intelligent, dynamic and interesting person, such as yourself, gives the illusion of spending upwards of 50% of his monthly income with no intention of approaching financial yoga. Needless to say, I was stressing out. I know that even people who earn millions of dollars a year can spend 100% of their income on clothes, make-up and toys . . . and then leverage out for even more . . . but I would hope Steve Pavlina, consciousness guru to the eagles, possessed a bit more savvy especially when integrating all of your beliefs about the environment, compassion, stress reduction, etc. A large part of me hopes that all intelligent people out there recognize the systemic links between all of these things and struggles for balance.
Like I said, sorry if I'm getting down on you, it's just hard for me to understand.  |