Partial-retirement/self-employment experiment over

As of today I am no longer the breadwinner.  DH’s new salary is more than twice his old salary (and is more than mine).  If all things stay the same in 2014, we’ll have jumped up two marginal tax brackets for that tax period.  I guess it’s true what they say about the private sector!

This will be his first time working for a real company.  He was given a choice of start dates and he picked the earliest one.  He was eager to get back to work.

I don’t think either of us is cut out for the Mustashian lifestyle.  Maybe if we were living in California it would be more fun to have more free time, I don’t know.  We both like working, that’s all there is to it.  DH was happiest during this self-employment stint when I needed his help with a knotty programming problem.  He got very little done on the large set of home-improvement tasks we listed (though he did do a lot of yard work and did some pretty elaborate cooking experiments).  That’s just not what makes him happy.

Does that make us haters?  No!  (Though we’re fairly sure MMM would say it does because anyone who doesn’t want to be him is a hater.) It just means that different people have different preferences.  Some of us prefer desk jobs that use thinking and computer skills over manual labor, no matter how creative that manual labor can be.  DH’s father likes doing home improvement as a hobby… it’s pretty clear that DH doesn’t.  Or at least only in moderation.

DH said he could never be quite at ease during this self-employment stint.  Of course, he loved the year he spent working on a start-up with his friends (one of whom he’s working with again), even though he brought in very little money that year.  But maybe the difference was that he had interesting projects to work on even if they weren’t lucrative.  And we’d saved a set amount for that year to spend down and didn’t really have to worry about economizing.

Turns out we prefer working and making money to not working and spending time having to think about money.  Even though I love money!  I’d rather have a wide margin of more than enough from earnings than from spending time doing things to save more money.  Given our already reasonable levels of spending (particularly if you subtract out non-negotiable private schooling), the bang for the time buck is a lot bigger for us with earnings than it is with savings.

And spending time on earning activities a lot more fun for us– DH would rather create a computer program that makes lives better for people than replace the bathroom carpeting with tile himself (something that will eventually have to be done because small children are gross).  I’d rather determine whether a program does what policy makers want it to do than get rashes (from severe allergies) doing yard-work.  Not only do we have comparative (and absolute) advantage in these activities, but we also get utility rather than disutility from them.  We can’t help it, it’s the shape of our utility functions and our budget constraints.

And, of course, we all have our own utility functions and budget constraints, so what makes us happy isn’t what makes all other folks happy.  What we are good at doing isn’t what all other folks are good at doing.  And that’s a good thing– when different people do different things, the economy has a better chance at working.  If everybody had identical preferences and abilities, everybody would be miserable because the people following their passions would be getting minimum wage at most, and the people making money would hate their jobs.  (California would also sink into the ocean from everyone trying to live there.)

Variety is the spice of life.  And I’m glad now that we can afford buy cardamom even if it’s crazy expensive.

Where are you on the work for pay/work for savings continuum?

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80 Responses to “Partial-retirement/self-employment experiment over”

  1. GMP Says:

    Congrats to DH on the new job! I am squarely in the “I love to work” camp, too. Enjoy!

  2. The frugal ecologist Says:

    Congratulations to you guys. We just went from one income to two – its very nice. Although now living in a high cost of living area, so it sort of balances out.

    My husband is certainly in the love to work camp – he would do what he is doing whether he was getting paid or not. I think I am more about the $$ – I enjoy getting paid well. If I wasn’t, I would do something else. This is making it challenging as I try to find a new job – nothing compares monetarily to my very generous current salary.

    • nicoleandmaggie Says:

      I also enjoy getting paid well, though I suppose at this point I could just show up to classes, but I work anyway. But my dh doesn’t worry his pretty head about money and would probably work anyway.

  3. Holly@ClubThrifty Says:

    Yay! Congrats on the new job for your man! We also love being a two-income family. It’s just how we roll! =)

  4. Perpetua Says:

    My partner blew a gasket when he saw how expensive cardamom is! But he bought it anyway and I used it so many times over the summer (I make a really yummy couscous salad with a cardamom-lemon-olive oil dressing. And a fig cake with cardamom. Mmmmm. . .

  5. First Gen American Says:

    Yup..mine too. He wanted to get back to work asap even though we have a mountain of home projects and we’re both quite handy. It sounds like a dream job..working with people he likes, doing interesting things.AND getting paid fair market value for those things.

    Seems like the investment of time at the startup has paid off in the long run. That is a lesson/awesome blog post idea right there.

    Ooh…and a summer income…booya.

    Bathroom carpeting? I had that once in an apartment..uber gross, but it was more from a mold perspective. My allergies were never as bad as they were in that wall to wall house.

    • nicoleandmaggie Says:

      Did I mention it’s a telecommuting job? I don’t think I did…

      • First Gen American Says:

        omg..THE absolute best thing about telecommuting is being able to do laundry while working. I had a year stint where I had to be back in an office 8-5 and that BY FAR was what I missed the most. I know it sounds lame, but a family of 4 creates a lot of laundry and it takes only 5 minutes of your work day to throw a load in the washer or transfer a load to the dryer. It seems that weekends are so filled with other stuff that it’s not as simple to do laundry then and it seemed like all I was doing was laundry and not getting anything else done.

        Other awesome things are being able to bundle up in your bed and work from your laptop in bed when you are feeling under the weather but not so sick that you need a sick day…being home for contractors and deliveries, being able to do appointments easier, etc.

        The longer I work from home, the more difficult I think it’ll be to go back to an office. I’m so excited for you both. As an aside, I only have a painted plywood floor in one of my bathrooms and it’s way better than carpet. It’s a fixer afterall.

      • nicoleandmaggie Says:

        For me the best thing about it being a telecommuting job is that we can stay here rather than moving to a coast. :)

      • Linda Says:

        Oh, yeah, telecommuting rocks for all the reasons FGA notes! (Although, I tend to do less laundry and more cooking stuff. I have no kids, so laundry is less of a concern.) I am sooo glad that I can telecommute most days, and I take full advantage of it. :-)

        Also, congrats to DH! (I forgot that in my earlier post.)

  6. bogart Says:

    I’m sorry, you lost me at “bathroom carpeting.” Barf.

    Before I lost my train of thought, however, I wanted to congratulate DH and generally rejoice in your news. Sounds great!

    If I ever regain my train of thought (not likely) I will observe that my own DH does not like to work and is happy to be out of the workforce. This is both good and bad. Fortunately I do like to work or we’d need to spend A LOT of time spending time having to think about money (and DH is not such a fan of that, either; nor am I).

  7. Leigh Says:

    Congrats to your DH on the new job! I think that if I have the right job, I will really enjoy working far more than sitting around at home. I’m going stir crazy sitting around at home even on my off time. (still not back at sports, but improving! yay physical therapy!) I remember being excited to come back to work from vacation a few years ago because I loved my coworkers. Not so much now. It’s been an interesting process trying to figure out what I’m looking for.

    I think that instead of thinking about FI, I should find a job I enjoy, while still saving the residual. Then some day, when I have enough money to FI if I want to, I have that option, but I also have a job I really like. That was my real goal until I stumbled into this long period of not really enjoying work.

    • nicoleandmaggie Says:

      The right job is definitely important. I think you’re going about it the right way– find a job that you enjoy. We’ve got friends who are FI who are enjoying the freedom to do new start-ups and make products that are useful to society and to work with their friends even if they have to buy a company to do that.

      • Leigh Says:

        That’s one of my ideas for post-FI if I don’t have kids :) The ability to start a company and not need to take a salary ever would be pretty awesome!

      • Leigh Says:

        P.S. I have found a new job at my current company! It’s a lateral move, but I am really excited about the product they’re working on, the manager, the people, and they have women! Now I just have to make it official! I’m pretty excited about this! Slightly sad that my current job didn’t work out, but I’m excited about the new opportunity! (see all! the exclamation! marks! I did a mini squee in the bathroom this afternoon since no one else was there!) I should hopefully be moving within the next 1-2 months.

      • nicoleandmaggie Says:

        Yay! Bet it is a better work environment!

      • Leigh Says:

        Strangely, there are women where I am now, but I’m the only woman who has been out of college for > 1 year. So the existence of women by itself isn’t always a good indicator. More senior women is a better indicator. (Since college hires tend to not choose their specific team and just get placed somewhere.)

        Making comments about college hires compared to me makes me feel old!

  8. Linda Says:

    I’m not sure if I really like working, but I do like the paycheck. I rely on that paycheck not only for my current living expenses but to save for the future and whatever that may bring.

    I enjoy doing many self-sufficiency type things — cooking, gardening, “livestock” raising — but if I examine my motivation behind them it is always about the sense of personal comfort I get from taking care of myself in the way I prefer. Yeah, I have enough income that I could spend money on fairly healthy (and pricey!) prepared food, and I go through phases where I do it quite a bit. But whenever I am feeling less than excited or happy about what I do for a day job, I want to spend my day doing something for myself: baking, making soup, tending the garden, knitting myself a sweater, or organizing my home. No one will pay me to do this stuff, though, except me! I save so that one day I can do those things all day long and still get “paid” from my savings.

    • nicoleandmaggie Says:

      We enjoy cooking but not so much the other stuff. :) Well, I kind of am a little OCD about organizing, particularly alphabetizing (I save it as a treat for me). But other than that not so much.

  9. Debbie M Says:

    I hate working so I think that makes ME the hater! Basically, I’m much better at thinking up fun stuff for me to do than my bosses are.

    Admittedly, I’ve only rarely had a real teamwork job (summer camp counselor), where the whole is greater than the sum of the parts. Usually either I’m in charge of everything in my unit, or we just split stuff up but do not have the fun bouncing-ideas-off-each other thing.

    If I could do my dream job (which I did finally figure out after decades of thinking) for money, I do agree that I would rather do that than some of the frugality stuff (mowing, yard stuff).

    (My dream job would be working as a team with teachers to make educational materials that are educational, that are on required topics that are also useful, and that are easy to implement. When I’m no longer worried about money, I’m going to volunteer at the local middle school doing tutoring and whatnot and see where that goes.)

    My actual jobs have mostly been doing other people’s typing, entering data, stuffing envelopes, explaining stuff to people, and asking people to explain stuff to me (often as a prelude to correcting them or suggesting something better). I do really like explaining complex things to a lay audience and organizing technical writing (on something interesting to me–which sadly is not technology, especially not technology that is not finished and so it’s impossible to properly explain it yet).

    And lately I’ve had trouble getting anyone to hire me for anything. I did get another short consulting job with someone at my old employer, and I got a tax prep job for next year (because requiring a 3-month-long class you have to pay for and then offering only $10/hour the first year in my over-educated town makes it hard to find enough people).

    I don’t like replacing carpet with tile either (I’m guessing), so I do different things to save money such as doing my own cooking and some of my own food processing (such as grating cheese), sewing up holes in my clothes, buying my cars old and keeping them as long as possible, having a short commute (or no commute), walking when I want to go to nearby places, living somewhere small, keeping the thermostat reasonable, using rewards cards, and remembering that I don’t need to own my own copy of everything cool because I am not running a museum.

    Congratulations on your upcoming big piles of money! So fun!

    • nicoleandmaggie Says:

      #2 hates working too– she’d be very good at being idle rich if someone would fund her.

      Good luck on finding the next position!

    • Laura Vanderkam (@lvanderkam) Says:

      I think curriculum development is a real job — that pays! There’s a lot going on in the ed tech space that would be improved by conversations with real educators. A good market opportunity I’m hoping someone seizes.

      • Debbie M Says:

        Thanks, y’ll!

        Official curriculum development jobs require “classroom teaching experience” (which I don’t quite have–I have merely certification, tutoring experience, classroom teacher’s aide experience, college TA experience, and experience leading classroom-sized groups of children as a summer camp counselor) and/or a degree in curriculum development (ugh, I have enough degrees already). But of course entrepreneural opportunities exist, especially now with so many internet resources. So I may still come up with something.

  10. becca Says:

    I like being a scientist more than getting paid, and I like getting paid more than I like having all my time for my family. It might be different without my kidlet- I’m not allergic to being lazy (or rather, spending immense amounts of time learning and doing art), but he thinks he is allergic to me doing those things in peace and quiet. (aside: WHEN is he gonna read fluently already????) Also, parenting without a lot of breaks to talk to grownups is toxic for me (I might be able to handle long term full time parenting on a kibbutz or something, but not in our nuclear family oriented society).

  11. Spanish Prof Says:

    Congrats on the new job!
    I love money. I love leisure time. For me, it is maximizing the income vs, less time worked possible. Of course, I have my regular gig, and in the humanities, it is hard to find outside freelance jobs. The summer is where I can apply it. I don’t want to teach a summer course, because 4K is not worth the six weeks of work teaching the class. However, I do AP grading, because it is one week of intensive work at $1700. Obviously, I do not need the money. Otherwise, I would be doing it.

  12. SP Says:

    I like working, I like collaborating on big engineering projects…. but I think I could easily get my fill at 20 hours a week, part time, and have plenty of time to pursue hobbies and interests (and eventually children – though I wouldn’t “pursue” them).

    I like doing a lot of different things, which is once nice thing about my current job (and likely the research portion of your jobs) – I don’t often do the same thing twice. I’m always learning. My new job has a similar structure, projects that are approx. 6 months long at a time.

    I go through phases where I like saving money and doing things around the house, but more like cooking elaborate things or organizing – I’m not handy. But I’m not consistent. I prefer to work and have lots of monetary flexibility to save a ton while also being able to indulge my whims.

    • nicoleandmaggie Says:

      I think I’d like around 30-35hrs/week, give or take. It’s easier during the school year for me to work more hours because teaching is so different from research.

    • Leigh Says:

      I’m with you on this. 25-35 hours a week would be perfect! 40 hours is just a bit too much and I definitely feel like I’m supposed to be working more like 45-50 a lot of the time.

      • Leah Says:

        Maybe it’s because I didn’t have kids then, but I once had a job that was just 40 hours a week. I had no work to take home (fish & wildlife port observer), and I’d get home at 4 and have absolutely nothing to do. I was in a small town (2k folks) and wasn’t spending much if any money, so no internet or TV.

        I spent a lot of time at the library, reading books, and cooking from scratch. After two months, I got a second job at a motel for 30 hours a week, and I felt like that was just a little too much for me. But a job limited to just 40 hours a week? I can’t imagine. Maybe when I do have kids. I’m a teacher now, so my job expands to fill whatever time I spend on it.

      • nicoleandmaggie Says:

        It’s probably also type of job– my job requires a lot of thinking so even when I’m off, my subconscious is pondering questions.

      • Leah Says:

        Oh, definitely the type of job matters. I’m glad I have a thinking job now. My F&W job involved some thinking on-job, but it wasn’t too complex. I just got so bored, and having hours of free time outside of work (4 pm to 11 pm) was awkward. I hadn’t moved everything, so I didn’t have much of anything, hobby wise, to do other than read.

    • Rosa Says:

      I worked about 24 hours a week for most of my 20s, when I didn’t have a kid. It was WONDERFUL. Really wonderful. I enjoyed myself so much, I got to do so much community & volunteer work, I got so. much. sleep. So much sleep and exercise and good cheap food.

      I really wish decent paying part time jobs were easier to come by. My last part time job paid just enough not to be insulting and came with just enough benefits (paid holidays & PTO and 401k match) to make it so I wasn’t actually just making less money to work the same amount as a 40 hour worker with paid holidays & decent PTO. But then they started inching our hours up…

  13. plantingourpennies Says:

    Count me amongst those disgusted by bathroom carpeting. Ewww!

    I can generally come up with some pretty awesome ways to fill my time, but after a few months I would probably be cool with working 10-30 hours per week. And my house would be spotless!

  14. chacha1 Says:

    Congrats!

    I am one who prefers to work for a hefty wage and pay other people to do things like change my oil, wash my car, and smoke my turkey.

    Living on no money just to make a political statement (which is what it seems like to me) gets old really fast. I can’t help but wonder how MMM will feel about all that when he is 58. The frontier DIY lifestyle may seem fun and rewarding when you are young, strong, and healthy. But there’s a reason the real frontier DIY life expectancy was so frickin’ short.

    • nicoleandmaggie Says:

      To be fair to MMM, he has three flourishing businesses! (The MMM empire, his home-building, and his rental property.) He’s not exactly working 0 hours/week. Given the $ he’s been bringing in and, as far as I can tell, not giving to charity (as he’d said he would earlier on), means he’s going to be just fine at 58.

      • bogart Says:

        Right, and his DW is also working in real estate, I believe. I get that they are financially independent, but (per an earlier discussion on this blog, I think), as I understand the meaning of the word, definitely not retired. It’s OK, I get that they adhere to a different definition and understand that there is substantial variation in how the word is used, but I can’t apply it to them, even if they do to themselves.

  15. eemusings Says:

    WOOOOHOOO! That’s awesome!

    “Turns out we prefer working and making money to not working and spending time having to think about money…. I’d rather have a wide margin of more than enough from earnings than from spending time doing things to save more money. ”

    I am the same. Being naturally frugal doesn’t make me a penny pincher, I like having the freedom to save without too much work BUT also have the freedom to say yes to things whenever.

  16. rented life Says:

    Congrats to DH!!
    Husband enjoys working, I do not. Maybe if I had a job I liked, but instead I have a job I’m ok at with tasks I hate. (I also hate never knowing what’s expected from me week to week.) I don’t mind working if I can have a set schedule and set expectations. Oddly, I miss that about full time teaching–I always knew what I was supposed to do. I like having the income and what it lets us do, but I’m someone who will think about $ even if we had a lot. Right now I keep reminding myself what my paycheck lets us do when I get discouraged.

    We don’t mind house projects and I enjoy gardening and husband enjoys yard work…but somehow if that was the main thing we had to do, I think we’d enjoy it less. I try to get cardamom from the Indian store and split it with my mom.

  17. Flavia Says:

    Congrats!

    I’m with Spanish Prof. I greatly prefer working to being frugal, but since the writing part of my worklife requires large blocks of unstructured time (and benefits from a certain amount of lazing around/errand-running/life-having, when ideas can percolate at the back of my brain), I’ll forgo a certain amount of money in order to have the headspace to think. So I’m pretty down on summer teaching, unless I can do the intensive 2-week session, and I’m foregoing half of my salary this year in order to have the full year’s sabbatical.

    But it has to be relatively structured unstructured time, if that makes sense: a delimited period of several weeks or a semester or whatever, during which I have some concrete goals. I can’t just have ENDLESS time.

  18. Leah Says:

    I love working, so count me in on the congrats! I too prefer to bring in more money rather than worry about pennies. When I got a real job to add to my husband’s job (ie not being a TA), it was so awesome. We are saving a good chunk of our income and probably could do even more. We don’t ever worry about spending, though we are not extravagant spenders. Really, the second job just meant more savings, and I bought season tickets to the opera. Oh, and we bought a real bedframe. That’s about it :-)

    I think I could do without a job, but then I’d be doing a lot of volunteering and other things to feel useful.

    RE: the bathroom carpet, reward yourself with the first paycheck by getting that out of there. I had bathroom carpeting as a teen. Absolutely nasty.

    • nicoleandmaggie Says:

      Yeah, I’d volunteer a lot if I couldn’t work too.

      We’ll probably talk about our expenditures next month, but sneak preview: first paycheck is going to the rusting roof vents, the air conditioner leak, and mortgage prepayment. Also retirement.

      • Leah Says:

        Is it sad that I’m psyched to see your expenditures list? I really love watching your mortgage go down. You inspire me to put away money each month for a future mortgage (or to not have one!).

        I’d still put the bathroom early on the list of stuff to do, but obviously behind the super critical items on there.

      • nicoleandmaggie Says:

        We have a LOT of deferred maintenance. We listed it as stuff DH could work on while unemployed/self-employed but yard-work and cooking elaborate meals kind of ate all that time, so there’s still plenty left on the list.

  19. Well Heeled Blog Says:

    “California would also sink into the ocean from everyone trying to live there.” <———– Hahhahahahah. This is why I love your blog nicoleandmaggie. Congrats to the DH's new job!

  20. Cloud Says:

    I don’t think I could be happy without a project that was work-like. I do think I could be happy if I had enough money so that said project did not actually have to provide significant income! But such is not my life, and I enjoy having money more than I dislike my current work situation (although the balance is tipping on that one…) so I stay employed.

    I’m with you on the “different people have different preferences and thank god for that” thing. I think it is good to be reminded of that every now and then, lest I get too judgey about other people’s preferences (assuming those preferences are legal and moral).

    Congrats again to DH!

    • nicoleandmaggie Says:

      Yeah, we know a lot of ppl who made it big while we were in grad school and now do projects because they want to rather than because they have to. They seem pretty happy! Even if they’re working in tech instead of homesteading. One day!

  21. That guy Says:

    You people are fiddling while the world burns. The cost of cardamon? Bathroom carpeting? Money, money money, oh and money.
    I’ve decided that wealth is a signal or moral lassitude until proved otherwise.

    • nicoleandmaggie Says:

      I prefer, “With great wealth comes great responsibility.” That’s why we’re in favor of higher marginal tax rates and why we’re doing things like paying for DH’s relatives to go to college. (Not to mention charitable contributions.) On top of that, DH’s work literally will save lives. Mine will just make people’s lives better and help taxpayer dollars to be used more efficiently.

      In terms of carpeting, it is a pretty middle-class luxury to get pee-stained carpet removed, and it’s one we’ve put off for too long. DH’s comparative advantage in doing work that saves people’s lives more than makes up the money we’d save by doing the carpet removal ourselves. And I don’t think the $20 we spend on cardamom is going to make that big a dent in our charitable giving, even though it’s been a luxury we haven’t been able to justify on one salary.

      What are you doing to make the world a better place?

      • Liz Says:

        I agree with “That guy” only because I am not in the same financial position you are. I’m just starting my career, and am trying to figure out how to get paid more (because I’m worth more) without being a complete a$#. But I’m also completely happy for you, and hope one day I’m in a similar position of financial comfort.

        For now, I make the world a better place through work mentoring and playing music for my church, with the occasional volunteer posting at a local day shelter. And I’d say that makes me pretty well-off, all things considered, even though my tax contributions don’t count much toward social welfare programs.

        One day!

      • nicoleandmaggie Says:

        You may find Wednesday’s post to be of interest. It isn’t the wealth but how you get it and what you do with it once you have it. That responsibility is something that’s missing today in many rich people (see: Koch family) but not others (see: Bill and Melinda Gates).

  22. Comradde PhysioProffe Says:

    Sounds awesome! But I’m confused how the question posed at the end relates to your husband getting a job.

  23. Laura Vanderkam (@lvanderkam) Says:

    Two thoughts (other than congrats!):
    1. I want a bumper sticker that says “I can’t help it. It’s the shape of my utility function.”
    2. Good thing you blog anonymously and DH’s new company didn’t read about his minimum salary requirements – because it sounds like he landed more than that :)

    • nicoleandmaggie Says:

      Hahaha. Though that minimum was with the expectation of reasonable benefits– the only benefits he’s actually utilizing are going to be UI and WC. He’ll still be on my health insurance and there’s no retirement match or disability insurance etc.

  24. oilandgarlic Says:

    Congrats to DH! It sounds like a true win-win situation.

    I don’t know if I would work if I didn’t have to. BUT I think that my personality needs structure or I’ll get very very lazy and unmotivated.

    The MMM lifestyle is definitely not do-able for me. I come from the world’s least handy family. It’s a wonder we survived before the industrial revolution. Okay, my mom’s side has some very resourceful, handy people but I did not inherit those genes.. I can’t even do simple crafts like scrapbooking without making a mess.

  25. Jacq Says:

    I think time-outs from work (permanent or temporary) are best when you have some kind of drive to do something that the constraints of work will not allow you to do. I’ve had mini-sabbaticals where I basically did nothing much and some where I fulfilled big goals and the latter scenario was much better. OTOH, if you get tired enough of work, sometimes your big goal can be doing nothing much. That basically describes me on weekends when I’m working. ;-)
    Congrats on the job – I bet that offer letter was a pleasant surprise!
    I’ve seen the mustachian timeline – that was a shift to self employment, and disingenuous to call it retirement for some bizarre reason that I don’t get. If it looks like a duck, sounds like a duck, collects income and pays taxes like a duck…

  26. A Much-belated, Rainy-day Roundup | Funny about Money Says:

    […] Grumpy Rumblings, nicoleandmaggie ruminate on the effects, psychological and other, of DH’s new job in the real world. When academics and self-employed folks land work in private industry, it feels like money is […]

  27. Revanche Says:

    I totally love working to make money. I love the feeling of bringing home bacon and cheese and cookies. And fruit, I guess. But partly also, I suspect that if I didn’t hold a job that had SOME definitive structure, I would just morph into a grubby sloth, reading comics all day or laying around bemoaning the fibro. Work is a wonderful distraction from stupid pain, and good for the brain, IMO.

    Though, I am great at Should Do stuff when left to my own devices. Puttering around the house is The Best when it’s being used as a procrastination device or to give my brain a break from working. Balance, the spice of life …?

  28. Revanche Says:

    Oh, gosh, of COURSE I forget the most important part of the comment: Congrats on the new job!

  29. Carnival of Personal Finance: Turkey Edition Says:

    […] from Grumpy Rumblings presents Partial retirement/self-employment experiment over, and says, “Does everybody have to prefer homesteading and self-employment work to making big […]


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