• 99 Posts
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Joined 1 year ago
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Cake day: June 10th, 2023

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  • Just applied for a new job for the first time since a couple of years ago. Here’s hoping it works out, since it would pay more, have more PTO, and would give me more retirement accounts to max out (pension, 403b and a 457!). I’ve been in my current role closing in on a decade. Usually, when I apply for other jobs by the time I get to the interview stages I’m not as interested in leaving. I’ll see if that happens this time around or not, since I’m doing this in response to RTO after being WFH for the past 4 years.





  • My manager informed me that word is they are going to start pushing RTO again. Last time they tried was the end of 2021 and it failed miserably, since everyone just ignored it. I told her it just doesn’t make sense for day to day work when the team is not co-located. We’ll see what they do this time around to get people to actually show up. I’ve now spent an equal amount of time at this job between going in full time (pre Covid) and WFH. I really like WFH and it is one of the major reasons I haven’t seriously job searched recently. I may have to ramp up applying to new jobs if this mandate has any teeth.


  • What are everyone’s thoughts about paying off your mortgage pre-retirement?

    I got enormously lucky and refinanced at the very bottom of mortgage rates in 2020. Conventional wisdom would be to never pay this off as it’s effectively free money. However it is costing us roughly $20k a year in added expenses, which I could see as having a massive impact on ACA and FAFSA (assuming a future child) in retirement.

    I’m getting to the point where if I want to pay this off before retirement, without having to sell investments, I’d need to start diverting funds from investments into a cash account (since HYSA is currently > mortgage rate) to have enough saved to lump sum in at retirement. Another option I’ve been considering is saving enough cash/equivalents to cover mortgage payments without paying it off. However I’m looking at roughly 20 years of remaining payments at retirement and I’m not sure if that is a good strategy or not. Thoughts?