Change is How You Grow

I haven’t had time to really write anything too deeply lately for blog posts lately. I’m learning SO much at the pet store right now.

I’m really pushing myself to get to that point where I understand the code underneath the abstraction.

But, the old blog calls out to me yet again, dear reader.

EVERYONE in tech feels underpaid, because recruiting / hiring in tech is completely broken and crazy. Financially, we are incented to switch jobs WAY more often than we are incented to stay in one.

Salary and turnover and hiring is a fun topic but I’m going to hit you with something.

You are more than your job.

Do you believe that?


It’s OK if you don’t. Took me till I was about 38 years old to really believe it.

Think about a hypothetical situation.

Meet Nia. Nia is an Associate Software Developer.

She applied for a job, interviewed well, and got it, and now is happily coding away under the direction of Software Developers and Senior Software Developers.

After 3 years… Nia’s got quite a few releases under her belt. She knows a few different languages well, she’s ridden a few late nights with releases that went sideways, but she doesn’t make anywhere near the same mistakes she made before.

The job, Associate Software Developer, is still exactly as it was when she took it those years ago.

Her title hasn’t changed, nor has the role in any real sense.

Nia did though. Drastically. She grew.

But, assuming she does nothing, she’ll stay an Associate Software Developer, and will likely get around a 3-4% raise every year for satisfactory performance. 

If she started with an annual salary of $50,000, that means after 3 years at a 4% raise, she’s making $56,243.20.

What happened to our hypothetical associate developer? She grew faster than her job did.

Ask yourself these questions:

Do you believe Nia is worth more than her job pays?

Me? I certainly do! She has more experience than the position requires, knows more languages, and is simply a better developer.

If she was your mentee, would you tell her so?

Me? I would! But I’m a cheerleader for you all anyway…

Would you advocate for her if you were her boss?

Of course I would! I’ve happily done so for many others!

Would you tell her to look outside her role if her boss couldn’t get it done for her?

You’re damn right I would, and I hope you would too!

What if I told you that HR has been recruiting, and offers for new associate developers need to start at $60,000, otherwise we aren’t a competitive place to work, and we won’t get good candidates?


(This should be apparent, but the salary numbers above are purely hypothetical.)

If you answered yes to any of the above questions, ask yourself why?

Why would you advocate for a hypothetical person, if you aren’t willing to advocate for yourself?

But maybe you’re spotting a trick…

“But wait… what if they just gave her a raise that put her in line with what they’d have to do to hire her as if she was new?”

There’s LOTS of reasons!

  1. Her Boss’s Budget. Unless Nia’s reporting to the CEO or the CFO, her boss didn’t set the budget for her raise. The budget came from an executive committee that looked at total salaries for the group.
  2. Her co-workers.  A limited budget–and even a large budget–has to be shared with your co-workers. If her boss is given 3 percent of her salary budget (see reason 1) for raises and gives a spectacular performer 5 percent, that means there’s less for everyone else.
  3. Her own salary band. Many companies don’t just give people salaries–they set salaries within what’s called a salary band. Her job is evaluated and given a range. If she’s at or above the midpoint of that grade, she’ll see very, very small raises.

Remember this.

Salary budgets aren’t personal. Ever.

Your salary just FEELS personal.

Forget about Nia because I made her up.

But YOU. You are real.

So let’s get real.

I’ve been in the position where the bank account is hitting the single digits, and I’ve got multiple days left until the next paycheck. Sure, I can hit the credit card, but that balance just keeps getting bigger.

I’ve been in that position where someone got hired with my same job title and started making 15% more than me.

I’ve felt that ‘I’m worth more than this in this market’ when I looked at my paystub.

I’ve felt that same frustration, anger, fear and doubt and most decidedly the self-recrimination. I HATE feeling stupid, or like I’m a sucker.

I’m worth more than my job.

I have heard cheerleader blowhards (great #selfown, Mr. Brown) and new-age-hippie-types (#selfown-number-2) say it plenty of times.

But simply put, mathematically, it’s just true.

My first job as a programmer was at a tiny video editing software company. I made $27,500 a year. Minimum wage was 4.25 an hour, and I felt like I was BALLIN.’

The company no longer exists, but if they did, the position I had, Application Developer probably would pay someone hired off the street somewhere in the low 90s

According to some F# I wrote (did you wonder when I’d get an F# reference in?) if I stayed in that job and got a 3 or 4% raise every year.

module Interest = 
    type InterestCalculationOptions = {
        Compounding : Compounding
        Rate : float
        Principal : float
        TermInYears : float
    and Compounding = 
        | TimesPerYear of float 
        | Constant 
    let compound options = 
        let core r e = options.Principal * (r ** e)
        match options.Compounding with 
        | Constant -> core System.Math.E (options.Rate * options.TermInYears)
        | TimesPerYear f -> let rate = (options.Rate / f) + 1.0
                            core rate (f * options.TermInYears)
/// Christopher gets 3% a year.
let threePercentRaise = Interest.compound {
                             Compounding = (Interest.TimesPerYear 1.0); 
                                Rate = 0.03; Principal = 27500.0;
                                TermInYears = 21.0  };;

/// threePercentRaise = $51158!!!

/// Christopher gets 4% a year.
let fourPercentRaise = Interest.compound {
                             Compounding = (Interest.TimesPerYear 1.0); 
                                Rate = 0.04; Principal = 27500.0;
                                TermInYears = 21.0  };;

/// fourPercentRaise = $62666!!!

The thing is I grew.

I took jobs that were different. More challenging. More interesting. Different languages. Different scopes.

And, well, they paid more.

Three years ago, I took a Principal Software Engineer job at the credit union that paid much more than an Application Developer in Bellingham. And you know what? I asked around, and I was probably underpaid.

Three years later I proved it moving on to the pet store.

I’m not the only one who grew.

You know who grew a ton, and did it all at the credit union? Rihanna.

(Not the musician Rihanna. This is a reference to a person who is freaking awesome like Rihanna, but whom I didn’t ask about publishing their name in a blog post.)

I won’t speak to her specific numbers except the following.

Rihanna told me that she’s currently making around 10x what she was making when she started at the credit union.

The job she held when they started at the credit union still exists. There are people right now doing what Rihanna used to do.

Those folks do NOT get paid 10x what it was back when Rihanna started.

Rihanna had to grow. Sometimes uncomfortably. She moved into other jobs, 9 times, and in completely different departments. She had managers go to bat for her and win…

… and probably a LOT more times than she knew about, go to bat for her and strike out.

Do you think each manager wanted “turnover” when it was time for Rihanna to grow? Probably not. In the short term, her managers would have preferred she stay in the role she was in, because it would have been easier to not have to hire a backfill for her.

Why would we ever want to encourage higher turnover?

Because turnover is how you grow.

You are more than your job.

When I first heard that, there were all these pictures of my kids and my family going through my head. Of course I was more than my job. My life with them was my highest priority.

But that’s not all it means.

It also means you will grow faster than your job.

Your brain calculates 38 thousand trillion operations per second!

That is in YOU, dear reader. You. Are. Amazing.

No job will truly hold the amazing machine that is you, unless you absolutely love it, and want to remain in it, but please accept this:

Change is how you grow.

Test-Driven Development (TDD) for the Non-Developer

When I got hired at the Credit Union as the Principal Software Developer, one of the major elements of the job is to define how software development is to be done at our Credit Union.

One of the things I frequently mention is that ever since I took over the Principal role at the credit union, we became a TDD shop.

What if you’re not a developer, and don’t know what TDD is about? What about if you just learned what the acronym TDD means?

Test-Driven Development (aka TDD) is a model of writing software defined by a particular practice; specifically, writing automated tests before writing the software itself.

This model directly contrasts with the approach of testing the software after it’s written.

It’s a very low-level coding process, sometimes called ‘Red / Green / Refactor’ (as the tools that execute tests typically indicate failed tests in red and passed tests in green.)

An Example workflow:

  • I write a test, and it initially fails. (RED).
  • Then, I write code that causes the test to succeed (GREEN.)
  • I write another test, that initially fails (RED).
  • And once the feature is complete, I refactor the code, while maintaining green passing tests.

This creates two products. The software itself, and the tests that verify its functionality.

Software is a complex piece of machinery that is easily and regularly changed, and those regular changes can cause unexpected flaws. Those tests, when automated to be as a part of the build itself, can help prevent those unintended errors. Updates to dependent systems are made easier, as software typically talks to a database, or services, or libraries, and those updates can be tested quickly, with minimal human intervention.

They also enforce a level of rigor in the system design. Developers build systems that are designed to be ‘tested’.

So why does this affect you if you don’t write code? As written, this seems like mainly a developer function.

The thing is, the technique is entirely a developer technique, but the TDD mindset is the true switch

Start with the tests. Ask yourself: how do you know the software/thing/system will work?

Say you’re a Business Analyst or a Product Owner on the fence about a feature, how will you know your feature will work? How will you know it’s effective?

You know what the feature is. You know WHY the feature should exist, and that’s normally enough to prioritize it (or not) on the backlog.

Take the TDD approach and start with the tests.

  • How will you know that the feature works?
  • What is the test that will prove the feature is valuable, and useful?
  • What would be a test that would NEGATE that assertion?

Or say you’re the analyst working on the requirements for that feature, and you’ve fleshed out all the details of the fancy new automation your team is working on. How will you KNOW that automation is adding the value that you think it should?

If you’re automating a bad process that shouldn’t even exist in the first place, could you tell?

If you’re saving the company money, how much, and how will you tell?

For a more concrete example, say you’re a UX designer. Many UX elements are discretely testable, but what about the UX being “intuitive”, or aligned with our UX strategy?

Is the information you’re presenting easier to understand, or harder?

How do you know?

Say you’re an executive, a director or VP, or even a C whatever O. You have a vision for your organization, and where we are going.

How do you know it’s working? What is the test that drives your decisions?

What is the test that lets you know your vision is communicated well, and that everyone is marching to those orders in the same direction?

Would you know when to turn around if you’re making a mistake? Or would that mistake have to linger a bit for you to know it exists?

Like software, companies and organizations are complex machines that regularly change, and those regular changes can cause unexpected flaws.

These examples have been presented in a series of questions, as this is fundamental to the TDD process I described above. Designing a code snippet, function, feature, automation, UX, or company with the tests-first helps define your knowledge, and the information you’re trying to get.

To sum up: Define your tests first. Define what you want, and how you’ll determine that you’ve gotten what you want. Define how you’ll measure your effectiveness and measure how you’ve achieved it.

Write your tests first.

P.S. For further reading about TDD for the Non-Developer, take a looksee at this post from IExtendable.

Moving The Goalposts

Goalposts that move are a pain. They feel unfair, like you’ve been duped into working toward one thing, when you should have been working toward something else entirely.

Or worse… that the progress you made wasn’t really progress at all. It was some larger step that you didn’t realize you signed up for.

Here’s the dirty secret though: Moving your goalposts is precisely what you have to do to keep growing.

As you improve, the goals you set will not really be challenging enough for you to keep.

As you learn, you realize the goal you set isn’t really what you actually want.

As you try new things, you realize and say “this isn’t as important to me right now.”

Weight Loss – My ‘I Improved’ Story.

I mentioned having a goal around fitness in a couple prior posts. Check ’em out: Post #1 and Post #2

Specifically, I wanted to lose a fair amount of weight at the end of year 1, with a slowly downward push in 10 years. My goal was to get to 230-235 by the end of the year.

After the annual ‘Fitness Challenge’ contest weigh-in from my CrossFit gym we do every January-March, I weighed in at a whopping 257.7lbs! The next day, I joined Noom.

As of March 6th, I was down to 234lbs!!!

Here’s my Noom referral link, if you wanna try it. I’m really happy with it.

I have already met my ‘annual goal’. Since it was only early March the goalposts had to move.

New goalpost: 220lbs, and once I get there, maintain it for 5-6 months while slowly adding more calories back into the mix.

Retirement Funding – My ‘I Learned’ Story

My retirement funding goals were mentioned same posts as my weight (from above). I was targeting a simple approach: fully fund my 401k and my IRA.

However, after watching a few lectures about retirement on my Great Courses Plus subscription, I learned there might be a better choice.

The speaker in those videos talked about 401k plans, and mentioned how some 401k plans also offer a ROTH option. I decided to check, and it turned out that yes, my 401K did allow for ROTH funds to be contributed, just as easily as I set the contribution for my regular 401K.

All I had to do was to put in a percentage and voila, the next pay cycle, I’ve got money going into the ROTH option.

So with the new learning, I decided move the goal posts. Instead of ‘fully fund both plans’, I moved to a new goal: Fully fund the 401K, with a mix of pre and post-tax dollars, then fund the regular investing goal, and finally do the IRA with leftovers at the end of the month.

Doing it this way, I mix up my taxable and non-taxable accounts, so that I have more tax options in retirement. Options are nearly always good, especially when it comes to sources of money in retirement.

Do I miss out on the tax write off on fully funding the IRA? Maybe a little, but assuming I don’t fall completely off the savings wagon, I should be good for at least a portion of that tax benefit.

Guitar Lessons – My ‘I Tried’ Story

This one hurts a bit. My uncle made these guitars, and they’re beautiful.

The thing is, the more I looked at it, me taking guitar lessons NOW or LATER doesn’t really have much of a difference in terms of my happiness.

I love my guitars. I play on them often.

I just don’t really care about taking lessons right now.

So, I’m moving the goalposts. For now, I’m calling ‘guitar lessons’ as a within 10 years goal, rather than a ‘do this in 2021’ goal. For now, self taught is good enough.

To recap, moving goalposts is a necessary part of goals. As you improve, learn and try, your goals must change with your new abilities and knowledge.

That’s just life. It moves from out from under you.

When it does, move your goalposts.

Things That Require Zero Talent and Other Garbage

Have you ever seen a meme like this?

10 Things That Require Zero Talent
‘It’s YOUR fault you aren’t good enough!’

It’s absolutely a lie.

Every one of those things requires a great deal of talent.

However, it is not that magical ‘talent’ that makes you say “I just will never be as good at <<something>> as <<someone famous>>.”

The truth is: talent is not natural aptitude or skill. Talent is the result of a great deal of work that appears natural to the outside world.

That’s the trick. Talent LOOKS natural, but it isn’t.

Everyone of those listed “no talent required” items relies on a great deal of work with a massive support structure. They require preparation, support, and unseen (and often underappreciated) work.

Example: Being on time

  • Someone had to get your kids out of bed, and logged onto school.
  • Your commute needs to be reliable.
  • Your home needs to be stable.

Did all that happen by itself? Magically?

Example: Making an effort or being high energy and having a positive attitude?

Someone had to give you direction, so you know what you’re trying to do. Someone had to make you feel like your efforts would matter.

Where’s all this work accounted for in the ‘no talent required’ posters?

The being coachable one enrages me because it absolutely requires a great deal of effort. I posted specifically about how to do it. It ain’t easy!

Consider some of the most talented folks you know, whether or not you’re talking about music, athletics, or software development. How many of them sit around and not actively practice their “talent”?

Stephen King is one of the most talented and prolific writers on the planet. He told us how he does it in his book On Writing: A Memoir of the Craft. It’s a wonderful and inspiring book.

Wanna know the secret about how he stayed so prolific? He wrote a lot. He needed a support structure for his writing: a teaching job early in his life, a very patient spouse, and in the end he wrote a lot. That’s all it was.

From a distance though, he’s looks talented.

Talent is the result of a great deal of work, combined with a great support structure. Remember to nurture both.

Goals Check-in, and a Streak broken.

Well, it’s been about a week, and some major items have happened on the goals front. From my one year goals, I have added a new column: Where I’m At. You don’t know how long it takes to get somewhere, unless you know where you’re starting.

1 Year / January 2022

CategoryGoalWhere I’m At
CareerCredit Union.
Principal Software Dev. Knowing what I’m trying to do, and who I’m helping.
XXK a year? *
Blog, 200 Followers21
HomeCondo: Owe $236K on it. Kitchen remodel completed.Refi complete.
HealthWeight 230-235, 20% body fat? Maybe down to 2 blood pressure pills?
Check if this is possible?
253lbs. (I wear it well? Ugh.)
5x a week Xfit
occasional weightlifting, running for 4-5 miles weekly
biking for 15+ miles biweekly.
5x Xfit.
Weightlifting on Sundays.
Biking for 10 miles
< Redacted > *Dr. Scheduled
TravelWalla Walla for a wine visit
Long Beach a few times.
FinanceRetirement accounts funded to legal maximum401K 85%.
IRA, 75%
Investing $250 per month$75
Full 2 months ahead in YNAB.1.25
FamilyHappy + Healthy.
Zoe should be driving (Sasha, most of the time.)
PersonalGuitar LessonsUdemy courses purchased.
StuffNew PC, Downstairs wine fridgeNew PC achieved!
New TraegerSpec’d out!
KayaksSpec’d out!
* I redacted as none-of-ya-bizness.

The big thing so far is the new PC. That had been on my list for quite a while, and I was 90% of the way there when I had made the list up, but I wanted a quick win.

Built it up myself. I’ll wait for the 3070 to come out to upgrade the video card.

Funnily enough, one of the best features of adding this column is finding out the stuff I DON’T know. I don’t know my current percent body fat. Last I had it checked (near the beginning of the year), it was 23.9%. I’ll have to get another test on the books.

The weight will be the biggest test. Trying to drop 20 lbs while maintaining and upgrading the muscle mass is going to be a big challenge. Fortunately, I have about 15 months to do it.

Unfortunately, I did break the streak. On 9/7, I took the dogs to the park first thing in the morning, and completely forgot about my hand release push ups. Streak ended up at 48 days.

Oh well. I’ve got the streak back to 6 days, and I’m doing 3×18 now, so very much passing the 50 push ups a day milestone!

Checking In : Don’t Break the Streak

Well, since the don’t break the streak post, I have continued on my streak of hand release push ups. I’m currently on 40 days.

In order to move the chain up a bit, I’ve been adding one rep every 8 days or so. Today I did 3 x 16, and tomorrow should be a level up day.

It still takes about 5 minutes. The first two sets go fairly quickly.

One thing that keeps this one up is it’s time scale. 5 minutes, maybe a few more if I pad the rest session. Knowing ‘alright, it’s only 5 minutes’ makes it easy to quickly get through.

It’s certainly had some positive benefits as well. Push ups in WODs in CrossFit classes are SO MUCH EASIER right now.

The kids make a bit of a show out of it too. Nothing like being in the middle of a push up, and have a 120lb 12-year-old boy sit on your back and say “Keep going Dad!”

What Life Looks Like

I was listening to the Mapped Out Money podcast, and they mentioned a method for listing out goals, in sort of a road map. Personal goals broken out in 1 year, 3 years, 5 years, and 10 years. That method was about deciding what “life looks like”.

The idea within the podcast was to take what “life looks like”, and work back from there. E.g. Wanting to save $15K for a (I think it was a car down payment?) in 3 years, works to $5K a year, and $1250 every 3 months, etc.

So I thought I’d try it, and put it here to help hold myself accountable. I went ahead and padded my start by 4 months, to make everything start on January. Writing that down makes me realize how it was solely decorative to do that. Oh well, here goes:

1 Year / January 2022

CareerCredit Union. Principal Software Dev.
Knowing what I’m trying to do, and
who I’m helping.
XXK a year? *
Blog, 200 Followers
HomeCondo: Owe $236K on it.
Kitchen remodel completed.
HealthWeight 230-235, 20% body fat?
Maybe down to 2 blood pressure pills?
Check if this is possible?
5x a week Xfit
occasional weightlifting
running for 4-5 miles weekly
biking for 15+ miles biweekly.
< Redacted > *
TravelWalla Walla for a wine visit
Long Beach a few times.
FinanceRetirement accounts funded to legal maximum
Investing $250 per month
Full 2 months ahead in YNAB.
FamilyHappy + Healthy.
Zoe should be driving
(Sasha, most of the time.)
PersonalGuitar Lessons
StuffNew PC, Downstairs wine fridge
New Traeger

* I redacted as none-of-ya-bizness.

Career. I’ve only recently started at the Credit Union since February, 2020 and the slogging through COVID times makes me feel like it’ll be a bit before we get a ton moved along. I am hoping the blog picks up to 200 followers, mainly to increase the habit of writing.

Home: This one was easy. I just looked at my mortgage amortization table to see what I’d owe by then, figuring I’d make normal payments. We’ve saved for a remodel of the kitchen as well, and the plan is to have the remodel all the way done by then.

Health was the one I spent the most time specifically looking at defining specifically. I already check a lot of the boxes. I do CrossFit 5x a week. I’m close to 20% body fat (I think, I should get that rechecked.)

Travel: I don’t really have a lot of desire to travel too far right now. By January 2022, Walla Walla for a winery visit seems like a great idea, and I’ll go to Long Beach as often as I can, but big trips seem unwise.

Finance: I’m a personal finance nerd, so the first one is a no-brainer, and I’m absolutely loving YNAB so pushing myself to get to a 2nd full month completely budgeted will be a real stretch, but the investment account has never been the highest priority for me. Time to change that.

If you’ve never heard of YNAB, check it out here. If you want to subscribe to YNAB, use my referral link and they’ll give me a free month. It is really a game changer in terms of the way you think about budgeting though. It’s already paid for itself 4 times over by the way I use my cash-back credit card now.

Family: I didn’t have a lot of goals here. I just want everyone happy and healthy. I kinda think they should set their own goals here. I’ll probably tell them to do so.

Personal: I have never been very serious about my guitars. I think this next year I can get around to setting up some lessons.

Stuff: I’m not really a “stuff” guy. I like having less stuff, but there are a few things I’ve been genuinely thinking about. A new PC because my current desktop is 8+ years old (I build BIG PCs, so they tend to last.) A wine fridge downstairs, because I hate not having one down there (we have 2 upstairs, and keep ~80 bottles, but having table wine available in the dining room would be nice. The Traeger I have is 12 years old, rusting through, and the wife would like to be able to grill more. They have a combo smoker-grill I’ve been looking at. Finally, I think it’d just be too fun to get some inflatable kayaks so I can walk across the road and paddle over into Lake Washington.

3 Years / January 2024

CareerCredit Union.
Happy in my job.
Knowing what I’m trying to do,
and who I’m helping.
XXK * a year?
Blog, 2500 followers
1 Book Written (Published?)
HomeCondo. Owe <$200K on it.
HealthWeight 215-220,
17% body fat?
Maybe 1 blood pressure pill
5x a week Xfit
occasional weightlifting
running for 10-15 miles weekly
biking for 25+ miles biweekly.
TravelWine trips to Chelan
Walla Walla
maybe Oregon?
FinanceRetirement accounts funded to legal maximum.
Investing account $600 per month
5 months ahead in YNAB
FamilyHappy + Healthy.
Zoe should be in College.
Lydia driving?

* I redacted as none-of-ya-bizness

Not much changed in 3 years. I’m still planning on working at the Credit Union. I may be in my same Principal role, but maybe I take over a business unit? Or move into Architecture? Or take my bosses’ job… who knows.

I know I want my blog following to get bigger, and ideally, my writing to get to a point where I have put a book together. I don’t know how to do that yet, but I’ve read a lot of crummy books, so it can’t be that hard.

I really only bumped up some of the numbers on Home, Health and Finance figuring that was just a longer trail to the same thing. I’m hoping to have put more cash against my mortgage, so that I chip that down a bit more, and move more money into the investing account. Getting 5 months ahead in YNAB would be pretty darned incredible, but in 3 years, it seems doable.

Stuff seemed needless to think about (it’s just stuff, ya know?) I did want to do some more wine trips though, specifically through Oregon and Lake Chelan.

5 Years / January 2026

CareerBECU. Happy in my job.
Knowing what I’m trying to do,
and who I’m helping.
XXK * a year?
Blog, 15000 followers
1 Book Written and Published
Speaking at conferences?
HomeCondo. Owe <$160K on it.
HealthWeight 210 +- 1%, 16% body fat.
Generally quite active.
TravelNew Zealand
FinanceRetirement accounts funded to legal maximum.
Investing $1000 per month
FamilyHappy + Healthy.
Zoe and Lydia in College as students.
Emerson Driving.

* I redacted as none-of-ya-bizness

Big changes in 5 years. I’m hoping to have a book written and finished, and with 15K followers on a blog, maybe have enough folks who may actually buy the thing. Regularly speaking at conferences too. I do so irregularly now, so in 5 years, becoming someone who is requested to talk would be great.

Health goals were simplified a bit. I’m not really thinking about specifics anymore. Just being someone you’d describe as ‘quite active.’ Investing is still moving forward at a solid clip.

I would like to visit New Zealand in 5 years to wine taste through their Sauvignon Blancs. That was about all I could think to add.

10 Years / January 2031

CareerXX* K / year. Loving what I do.
2 Books Written and Published
HomeCondo – Paid for and renting out. Living in Seaview?
HealthWeight 190 +- 1%, 14-16% body fat.
Generally quite active.
FinanceInvesting bulk of income.
FamilyHappy + Healthy. Emerson in College.

* I redacted as none-of-ya-bizness

The 10 year goals are pretty high level. 2 books written and published. Probably working at the Credit Union, but regardless, loving what I do. Condo is paid off and maybe being rented out, while Heather and I live somewhere else (I mentioned Seaview, because that seems the most likely destination right now.)

It’s a pretty big jump on the weight side, but 20 pounds in 5 years isn’t THAT big of a drop, and I’ll be over 50 by then, so being smaller will definitely have its benefits. Financially, hopefully I’ll be investing most of my income.

Those are my goals. The nearer ones are more specific, and more easily actionable, and SMART folks will notice each of them generally has a number associated with it so I can figure out whether or not I’ve achieved it. The 10 year goals are pretty non-specific. Even something like ‘investing bulk of income’ could just mean 51%.

I hope this post inspires you to think about your own goals. I know I’m thinking about ’em.