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579 580</div></div> 581<div id='outer-wrapper'> 582<div id='header-wrapper'> 583<div class='header section' id='header'><div class='widget Header' data-version='1' id='Header1'> 584<div id='header-inner'> 585<div class='titlewrapper'> 586<h1 class='title'> 587<a href='https://www.myopenwallet.net/'> 588My Open Wallet 589</a> 590</h1> 591</div> 592<div class='descriptionwrapper'> 593<p class='description'><span><b>An anonymous New Yorker tells the world how much money she earns, spends, and saves.</b></span></p> 594</div> 595</div> 596</div></div> 597</div> 598<div id='main-wrap1'><div id='main-wrap2'> 599<div class='main section' id='main'><div class='widget AdSense' data-version='1' id='AdSense1'> 600<div class='widget-content'>
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616 617<div class='clear'></div> 618</div> 619</div><div class='widget Blog' data-version='1' id='Blog1'> 620<div class='blog-posts hfeed'> 621<div class='status-msg-wrap'> 622<div class='status-msg-body'> 623Showing posts with label <b>budget</b>. <a href="https://www.myopenwallet.net/">Show all posts</a> 624</div> 625<div class='status-msg-border'> 626<div class='status-msg-bg'> 627<div class='status-msg-hidden'>Showing posts with label <b>budget</b>. <a href="https://www.myopenwallet.net/">Show all posts</a></div> 628</div> 629</div> 630</div> 631<div style='clear: both;'></div> 632 633 <div class="date-outer"> 634 635<h2 class='date-header'><span>Monday, June 15, 2026</span></h2> 636 637 <div class="date-posts"> 638 639<div class='post-outer'> 640<div class='post uncustomized-post-template'> 641<a name='88261878403328815'></a> 642<h3 class='post-title'> 643<a href='https://www.myopenwallet.net/2026/06/net-worth-update-2025-year-end.html'>Net Worth Update 2025 Year End</a> 644</h3> 645<div class='post-header-line-1'></div> 646<div class='post-body'> 647<p><p> I never did a year end recap of my net worth or expenses, but better late than never! Here's a quickie version:</p><p>My net worth as of 12/31/25 was $2,994,337, an increase of $459,534 since the prior year. (As of this writing, my net worth is now up to $3,281,000.)</p><p>I'm not making a ton of money these days, but my early efforts to save and invest are paying off, as my net worth keeps growing mainly from the snowball effect of investment gains over the past 25+ years.</p><p>My 2025 income was $67,528 in gross salary, plus $3,190 in employer 401k matching funds.</p><p>My total expenses including taxes (but not 401k contributions) were $72,912. I don't love the negative cash flow of $2,194 but you can see that it was not very significant in comparison to the growth of my investments. Of course the value of the investments could fall, and sometimes does, but at this point, it could probably go up or down more in a day than I make from working in a whole year. I have to start just accepting that it's okay to spend some of my savings. (And I WAS accepting that back when I wasn't working, but then when I got a job again I was so happy I was covering my expenses that it's now disappointing when I'm not!)</p><p>My expenses were pretty consistent year on year with a few exceptions: more gift giving, more charitable giving, and more spent on household and garden stuff. Lower health insurance costs because Sweetie switched from my plan to Medicare towards the end of 2024. We spent more on travel, in part due to a business class upgrade, but Sweetie paid for more of that than I did so my travel expenses actually went down vs. the prior year. </p><p>Looking ahead to the rest of this year, I think most of our expenses will continue to be similar, but our travel budget will take another big jump. It's a little scary to be getting into that phase of life where you have to start scheduling in all the bucket list trips before your body can't handle them anymore. But lie-flat airplane seats help with some of that! And I feel so lucky we are able to afford them now. But psychologically, it's hard to adjust to spending money on something that always seemed like an out-of-reach extravagance-- a topic for another blog post one of these days.</p></p> 648<div style='clear: both;'></div> 649</div> 650<div class='post-footer'> 651<p class='post-footer-line post-footer-line-1'> 652<span class='post-author'> 653</span> 654<span class='post-timestamp'> 655Posted at 656<a class='timestamp-link' href='https://www.myopenwallet.net/2026/06/net-worth-update-2025-year-end.html' title='permanent link'>5:21 PM</a> 657</span> 658<span class='post-comment-link'> 659<a class='comment-link' href='https://www.blogger.com/comment/fullpage/post/14245531/88261878403328815' onclick='javascript:window.open(this.href, "bloggerPopup", "toolbar=0,location=0,statusbar=1,menubar=0,scrollbars=yes,width=640,height=500"); return false;'>4 660comments</a> 661<a class='comment-link' href='http://www.haloscan.com/tb/myopenwallet/88261878403328815/' onclick='HaloScanTB("88261878403328815");return false;'>
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668 669<span class='post-labels'> 670Labels: 671<a href='https://www.myopenwallet.net/search/label/budget' rel='tag'>budget</a>, 672<a href='https://www.myopenwallet.net/search/label/expenses' rel='tag'>expenses</a>, 673<a href='https://www.myopenwallet.net/search/label/income' rel='tag'>income</a>, 674<a href='https://www.myopenwallet.net/search/label/net%20worth' rel='tag'>net worth</a>, 675<a href='https://www.myopenwallet.net/search/label/spending' rel='tag'>spending</a>, 676<a href='https://www.myopenwallet.net/search/label/travel' rel='tag'>travel</a>, 677<a href='https://www.myopenwallet.net/search/label/yearly%20recap' rel='tag'>yearly recap</a> 678</span> 679<span class='post-icons'> 680<span class='item-control blog-admin pid-1231606573'> 681<a href='https://www.blogger.com/post-edit.g?blogID=14245531&postID=88261878403328815&from=pencil' title='Edit Post'> 682<img alt='' class='icon-action' height='18' src='https://resources.blogblog.com/img/icon18_edit_allbkg.gif' width='18'/> 683</a> 684</span> 685</span> 686</p> 687</p> 688<p class='post-footer-line post-footer-line-3'></p> 689</div> 690</div> 691</div> 692 693 </div></div> 694 695 696 <div class="date-outer"> 697 698<h2 class='date-header'><span>Monday, May 13, 2024</span></h2> 699 700 <div class="date-posts"> 701 702<div class='post-outer'> 703<div class='post uncustomized-post-template'> 704<a name='8402866922544085627'></a> 705<h3 class='post-title'> 706<a href='https://www.myopenwallet.net/2024/05/the-fire-is-still-burning.html'>The FIRE is Still Burning</a> 707</h3> 708<div class='post-header-line-1'></div> 709<div class='post-body'> 710<p><p>Reading the retirement issue of the New York Times Magazine this weekend reminded me that I still have things to say on these topics, despite the lack of posting! The "FIRE" acronym has been around for years, but now, beyond just "Financial Independence Retire Early," there are subgroups like Fat-FIRE for people who retire early and have luxurious lifestyles, and Lean-FIRE for people who are managing their early retirement by being extremely frugal. Coast-FIRE means you save a lot early on so you can kick back later. Barista-FIRE means you are sort of retired but working part time in some sort of job to get health insurance.</p><p>Now I feel like I'm at the supermarket looking at all the different types of yogurt. I guess it wouldn't be America if we didn't figure out a way to expand every concept into a million different flavors!</p><p>I guess my FIRE flavor is a bit of a smorgasbord. I'm probably least aligned with the Lean people. While I have always valued fragility and spent many years trying to live well below my means, I've never felt really hard core about that approach, as I allowed myself plenty of little splurges. Coast sounds a lot like me: I wouldn't be in my current financial position if I hadn't saved big chunks of my earnings starting in my 20s and 30s. Barista doesn't seem like quite the right word for my current work status, but I do feel like I'm off the career track, working rather lightly so I can feel productive and get benefits. </p><p>How about Fat? I've never felt particularly fat. But now there's that pandemic and perimenopausal weight gain that has forced me to buy more new clothes than usual in the last few years. I'm NOT enjoying THAT kind of fat. But I'm feeling a little chubby in the other way too, in terms of living well. In the last couple of years, I've felt secure enough to start spending more money. Some of those new clothes were at price ranges I never would have even imagined before. If I told my 35-year old self I'd someday spend $350 on a scarf, she'd have been horrified. But I did, and it's a gorgeous and unique scarf that goes with everything and elevates any outfit and I wear it a lot and feel like it's worth every penny for how happy it makes me. Maybe it even makes me look thinner??? </p><p>And Sweetie and I have decided that when we do our next big trip, hopefully to Asia sometime next year, we're going to stop tortur
710ing our bodies and fly business class. We're also going to upgrade one of our cars sometime soon-- not to a Maserati or anything, but something with more comfortable, power-adjustable seats for both driver and passenger. It's shocking how hard it is to find a sub-compact SUV with a power-adjustable passenger seat-- many brands just don't offer it, even in the top-level models. So it looks like an Audi, BMW, Lexus or Volvo is in our future, for probably somewhere between $40,000-50,000. This feels so splurgy to me, but then I found out that my sister and her husband have two new (bigger) cars that have each cost more than that, all while they have two kids in college who will be graduating with some big debts, it sounds like. Auntie X will try to reserve some funds to help the kiddos out, of course, but I'm prioritizing my spinal health for the moment! Being able to do this feels like true luxury to me. But I don't think I'll ever quite fit in with the true Fat-FIRE adherents, as they seem to mainly be Silicon Valley entrepreneur types who cash out of a start-up and have more extreme lifestyle goals. (Or else, as one person in the NY Times article points out, they are people who are raising kids in expensive places like San Francisco, and therefore have huge budgets for lifestyles that might seem not that fancy elsewhere.) I still have a lot of Lean moments of watching for what's on sale in the supermarket, using coupons, and picking up coins whenever I spot them!</p><p>Anyway, that is my little flicker of FIRE for today! I haven't posted in forever but life is good! I continually resolve to dump all my money thoughts in this blog where they belong, so maybe one of these days I'll start posting more again. Thank you to those of you who still stop by and leave comments!</p></p> 711<div style='clear: both;'></div> 712</div> 713<div class='post-footer'> 714<p class='post-footer-line post-footer-line-1'> 715<span class='post-author'> 716</span> 717<span class='post-timestamp'> 718Posted at 719<a class='timestamp-link' href='https://www.myopenwallet.net/2024/05/the-fire-is-still-burning.html' title='permanent link'>7:03 PM</a> 720</span> 721<span class='post-comment-link'> 722<a class='comment-link' href='https://www.blogger.com/comment/fullpage/post/14245531/8402866922544085627' onclick='javascript:window.open(this.href, "bloggerPopup", "toolbar=0,location=0,statusbar=1,menubar=0,scrollbars=yes,width=640,height=500"); return false;'>13 723comments</a> 724<a class='comment-link' href='http://www.haloscan.com/tb/myopenwallet/8402866922544085627/' onclick='HaloScanTB("8402866922544085627");return false;'>
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731 732<span class='post-labels'> 733Labels: 734<a href='https://www.myopenwallet.net/search/label/barista%20fire' rel='tag'>barista fire</a>, 735<a href='https://www.myopenwallet.net/search/label/budget' rel='tag'>budget</a>, 736<a href='https://www.myopenwallet.net/search/label/coast%20fire' rel='tag'>coast fire</a>, 737<a href='https://www.myopenwallet.net/search/label/early%20retirement' rel='tag'>early retirement</a>, 738<a href='https://www.myopenwallet.net/search/label/fat%20fire' rel='tag'>fat fire</a>, 739<a href='https://www.myopenwallet.net/search/label/FIRE' rel='tag'>FIRE</a>, 740<a href='https://www.myopenwallet.net/search/label/frugality' rel='tag'>frugality</a>, 741<a href='https://www.myopenwallet.net/search/label/lean%20fire' rel='tag'>lean fire</a>, 742<a href='https://www.myopenwallet.net/search/label/luxury' rel='tag'>luxury</a>, 743<a href='https://www.myopenwallet.net/search/label/money' rel='tag'>money</a>, 744<a href='https://www.myopenwallet.net/search/label/savings' rel='tag'>savings</a>, 745<a href='https://www.myopenwallet.net/search/label/wealth' rel='tag'>wealth</a> 746</span> 747<span class='post-icons'> 748<span class='item-control blog-admin pid-1231606573'> 749<a href='https://www.blogger.com/post-edit.g?blogID=14245531&postID=8402866922544085627&from=pencil' title='Edit Post'> 750<img alt='' class='icon-action' height='18' src='https://resources.blogblog.com/img/icon18_edit_allbkg.gif' width='18'/> 751</a> 752</span> 753</span> 754</p> 755</p> 756<p class='post-footer-line post-footer-line-3'></p> 757</div> 758</div> 759</div> 760 761 </div></div> 762 763 764 <div class="date-outer"> 765 766<h2 class='date-header'><span>Thursday, January 16, 2020</span></h2> 767 768 <div class="date-posts"> 769 770<div class='post-outer'> 771<div class='post uncustomized-post-template'> 772<a name='8440137226333502088'></a> 773<h3 class='post-title'> 774<a href='https://www.myopenwallet.net/2020/01/still-alive-still-spending-still-saving.html'>Still Alive, Still Spending, Still Saving!</a> 775</h3> 776<div class='post-header-line-1'></div> 777<div class='post-body'> 778<p>It's been almost a year... yikes. Where to begin?<br /> 779<br /> 780I actually don't have any major news. I'm still kind of adjusting to my "new" life. That has involved some higher than usual expenses as we decided we wanted to do some work on our house after being there for a while. And we've continued to take a couple of trips per year, though nothing super-exotic. But we are basically settled into a new pattern of life where we don't eat out very often and are generally enjoying a much lower cost of living than we had in the city. I've been mostly getting books from the library, so haven't been spending much in that area. I've gotten a couple of tickets for local performances and even a couple of things back in the city-- this kind of reminds me how much I miss being able to go to BAM in Brooklyn and be home within half an hour. Now staying in the city means having to time things right with trains and we always end up getting home really late. Sometimes I tell myself we can afford to just splurge on a hotel room but we've yet to actually do that. Our semi-retirement budget left room for a lot of splurges that we haven't yet allowed ourselves, but we've ended up spending more than we thought on household stuff, so I guess it balances out.<br /> 781<br /> 782So how about some actual numbers?<br /> 783<br /> 784My net worth as of Jan. 1, 2020 was $1,563,067. The stock market has been so strong, I think I've gained about $200,000 since I stopped working, even though I've had very little income since then. My goal has been to basically break even, but even if the market wasn't as strong, I think I'd be able to manage to spend less than my likely gains most years.<br /> 785In 2019, my total income was about $70,000-- this includes all dividends, interest, blog earnings, gifts, EBay selling, etc. (I would be more precise, but Quicken does this weird thing where it shows realized gains from selling an investment as the total proceeds of that sale, rather than subtracting the cost basis to truly show the investment gain, so I've estimated what the real gains were without going back to accurately check.) Lots of that income is from my 401k, so it doesn't show up as taxable income. When I break it down to the actual taxable income, it was just under $20,000.<br /> 786My total expenses in 2019 were about $27,000, not counting some additional one-time stuff that went towards our home renovation projects, most of which was actually paid for by Sweetie. My largest expenses were about $11,000 for food/groceries/liquor/eating out, as I usually pay for most of that for both of us. This still seems high to me but we did eat out more than usual for about a month while our kitchen was under construction. My next biggest category was "Misc" at about $2,300, which included a new Apple Watch and a new hard drive and battery to keep my old laptop going for a few more years. Also some art supplies, tax prep fees, postage and other random stuff. I spent just under $2,000 on clothes, which included a few things for Sweetie, and about $1,900 on education for a couple of classes. I am very lucky to have only had to spend about $1,100 on medical stuff-- this included my very low premiums for New York State's "Essentials" health insurance-- $45 a month including vision benefits, since I knew I'd need new glasses. The glasses themselves ended up costing a total of $370 for two pairs-- a thick single vision pair that was basically free, and a 2nd, half-off thinner pair with -- gasp -- progressive lenses, since I'm getting to that age where I'm not only terribly near-sighted but also need reading glasses. I will write more about the health insurance stuff, but the thing that really sucks about not being in the city is that my insurance plan, which is through United Healthcare, barely has any providers in my area. Having to drive 18 miles to an urgent care center that takes my plan is a bummer. I'm currently procrastinating about making that drive even though I probably need a little something to get over a case of bronchitis. I'm assigned to a primary care doctor who's only about 12 miles away, but I keep assuming it will be a nightmare to get an appointment. We'll see!<br /> 787A few other expense lines: Travel $1,300, State Taxes $1,021, Gifts $1,476, Entertainment $958. Someday I'll have to do a post with my combined budget with Sweetie to reflect things I don't directly pay for myself, like our combined gym membership, auto maintenance, and utilities. etc. Sweetie's share is a bit larger, in proportion to the difference in our incomes.<br /> 788<br /> 789Anyway, thanks for still reading and sorry I am so delinquent about writing. I make lots of notes about things I want to write about, and then for some reason I never get around to it! Terminal procrastination... happy new year to all of you, and hope you are enjoying the roaring '20s so far!</p> 790<div style='clear: both;'></div> 791</div> 792<div class='post-footer'> 793<p class='post-footer-line post-footer-line-1'> 794<span class='post-author'> 795</span> 796<span class='post-timestamp'> 797Posted at 798<a class='timestamp-link' href='https://www.myopenwallet.net/2020/01/still-alive-still-spending-still-saving.html' title='permanent link'>6:29 PM</a> 799</span> 800<span class='post-comment-link'> 801<a class='comment-link' href='https://www.blogger.com/comment/fullpage/post/14245531/8440137226333502088' onclick='javascript:window.open(this.href, "bloggerPopup", "toolbar=0,location=0,statusbar=1,menubar=0,scrollbars=yes,width=640,height=500"); return false;'>6 802comments</a> 803<a class='comment-link' href='http://www.haloscan.com/tb/myopenwallet/8440137226333502088/' onclick='HaloScanTB("8440137226333502088");return false;'>
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810 811<span class='post-labels'> 812Labels: 813<a href='https://www.myopenwallet.net/search/label/budget' rel='tag'>budget</a>, 814<a href='https://www.myopenwallet.net/search/label/expenses' rel='tag'>expenses</a>, 815<a href='https://www.myopenwallet.net/search/label/health%20insurance' rel='tag'>health insurance</a>, 816<a href='https://www.myopenwallet.net/search/label/net%20worth' rel='tag'>net worth</a>, 817<a href='https://www.myopenwallet.net/search/label/spending' rel='tag'>spending</a> 818</span> 819<span class='post-icons'> 820<span class='item-control blog-admin pid-1231606573'> 821<a href='https://www.blogger.com/post-edit.g?blogID=14245531&postID=8440137226333502088&from=pencil' title='Edit Post'> 822<img alt='' class='icon-action' height='18' src='https://resources.blogblog.com/img/icon18_edit_allbkg.gif' width='18'/> 823</a> 824</span> 825</span> 826</p> 827</p> 828<p class='post-footer-line post-footer-line-3'></p> 829</div> 830</div> 831</div> 832 833 </div></div> 834 835 836 <div class="date-outer"> 837 838<h2 class='date-header'><span>Tuesday, August 23, 2016</span></h2> 839 840 <div class="date-posts"> 841 842<div class='post-outer'> 843<div class='post uncustomized-post-template'> 844<a name='4697535060723516614'></a> 845<h3 class='post-title'> 846<a href='https://www.myopenwallet.net/2016/08/2015-income-and-expenses.html'>2015 Income and Expenses</a> 847</h3> 848<div class='post-header-line-1'></div> 849<div class='post-body'> 850<p>I never recapped last year's income and expenses, so here's a very simplified version:<br /> 851<br /> 852<br /> 853<table border="0" cellspacing="0"> 854 <colgroup width="538"></colgroup> 855 <colgroup width="114"></colgroup> 856 <tbody> 857<tr> 858 <td align="left" height="23">Salary and bonus and 401k match</td> 859 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="144061.12">$144,061</td> 860 </tr> 861<tr> 862 <td align="left" height="23">Investment income and interest</td> 863 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="42515.41">$42,515</td> 864 </tr> 865<tr> 866 <td align="left" height="23">Gift rec'd</td> 867 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="100">$100</td> 868 </tr> 869<tr> 870 <td align="left" height="23">Blog income (net of expenses)</td> 871 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="1017.63">$1,018</td> 872 </tr> 873<tr> 874 <td align="left" height="23"><br /></td> 875 <td align="left" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0"><br /></td> 876 </tr> 877<tr> 878 <td align="left" height="23">Housing incl. utilities, phone, internet and other household expense</td> 879 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="26464.62">$26,465</td> 880 </tr> 881<tr> 882 <td align="left" height="23">Food and liquor</td> 883 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="14881.36">$14,881</td> 884 </tr> 885<tr> 886 <td align="left" height="23">Entertainment & subscriptions</td> 887 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="1910.94">$1,911</td> 888 </tr> 889<tr> 890 <td align="left" height="23">Charity</td> 891 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="707">$707</td> 892 </tr> 893<tr> 894 <td align="left" height="23">Clothing</td> 895 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="2802.02">$2,802</td> 896 </tr> 897<tr> 898 <td align="left" height="23">Education</td> 899 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="1346.77">$1,347</td> 900 </tr> 901<tr> 902 <td align="left" height="23">Gifts given</td> 903 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="1752.5">$1,753</td> 904 </tr> 905<tr> 906 <td align="left" height="23">Gym</td> 907 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="2388.99">$2,389</td> 908 </tr> 909<tr> 910 <td align="left" height="23">Medical/dental</td> 911 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="5678.77">$5,679</td> 912 </tr> 913<tr> 914 <td align="left" height="23">Travel (incl vacation)</td> 915 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="5244.44">$5,244</td> 916 </tr> 917<tr> 918 <td align="left" height="23">Taxes (Payroll deductions and payment of 2014 taxes owed)</td> 919 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="55482.25">$55,482</td> 920 </tr> 921<tr> 922 <td align="left" height="23">Other misc</td> 923 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="4440.97">$4,441</td> 924 </tr> 925<tr> 926 <td align="left" height="23"><br /></td> 927 <td align="left" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0"><br /></td> 928 </tr> 929<tr> 930 <td align="left" height="23">Net Savings </td> 931 <td align="right" sdnum="1033;0;[$$-409]#,##0;[RED]-[$$-409]#,##0" sdval="64593.53">$64,594</td> 932 </tr> 933</tbody></table> 934<br /> 935A few observations: 936<br /> 937I continue to be amazed at how much income I get from my investments alone. It is more than Sweetie's salary at the moment! Every time I see that investment income, it is another reminder of how important it is to save money and invest it wisely.<br /> 938Food and liquor is very high, but I cover all of that for both Sweetie and me. We eat dinner out from time to time, but not all that often. We've been using Blue Apron for a couple of years to encourage us to cook at home more. Blue Apron isn't super cheap, but it's cheaper than takeout or eat-in restaurant meals. Where I've been splurging a wee bit is on lunch, sometimes spending over $10 by going to a more upscale place and buying a drink instead of just having water from a cooler in the office.<br /> 939Gym-- I pay in advance for 2 years at a time, so the true annual cost is only half this amount.<br /> 940Medical/dental includes Sweetie's coverage, and an expensive crown.<br /> 941Taxes-- I owed taxes in 2014 due to the extra income I had from selling my condo, so that was a hit this year.<br /> 942Other miscellaneous includes things like haircuts, art supplies, postage, etc.<br /> 943<br /> 944I saved 34% of my gross income, which is good, and I never particularly felt like I was having to make an effort to save-- if anything it's been the opposite, feeling like I could give myself permission to spend a little extra from time to time. But I try to keep that feeling in check! I am thinking a lot about early retirement and trying to balance that against enjoying life now. Always a tough question!<br /> 945<br /></p> 946<div style='clear: both;'></div> 947</div> 948<div class='post-footer'> 949<p class='post-footer-line post-footer-line-1'> 950<span class='post-author'> 951</span> 952<span class='post-timestamp'> 953Posted at 954<a class='timestamp-link' href='https://www.myopenwallet.net/2016/08/2015-income-and-expenses.html' title='permanent link'>9:00 AM</a> 955</span> 956<span class='post-comment-link'> 957<a class='comment-link' href='https://www.blogger.com/comment/fullpage/post/14245531/4697535060723516614' onclick='javascript:window.open(this.href, "bloggerPopup", "toolbar=0,location=0,statusbar=1,menubar=0,scrollbars=yes,width=640,height=500"); return false;'>3 958comments</a> 959<a class='comment-link' href='http://www.haloscan.com/tb/myopenwallet/4697535060723516614/' onclick='HaloScanTB("4697535060723516614");return false;'>
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966 967<span class='post-labels'> 968Labels: 969<a href='https://www.myopenwallet.net/search/label/2015' rel='tag'>2015</a>, 970<a href='https://www.myopenwallet.net/search/label/budget' rel='tag'>budget</a>, 971<a href='https://www.myopenwallet.net/search/label/expenses' rel='tag'>expenses</a>, 972<a href='https://www.myopenwallet.net/search/label/income' rel='tag'>income</a>, 973<a href='https://www.myopenwallet.net/search/label/saving' rel='tag'>saving</a> 974</span> 975<span class='post-icons'> 976<span class='item-control blog-admin pid-1231606573'> 977<a href='https://www.blogger.com/post-edit.g?blogID=14245531&postID=4697535060723516614&from=pencil' title='Edit Post'> 978<img alt='' class='icon-action' height='18' src='https://resources.blogblog.com/img/icon18_edit_allbkg.gif' width='18'/> 979</a> 980</span> 981</span> 982</p> 983</p> 984<p class='post-footer-line post-footer-line-3'></p> 985</div> 986</div> 987</div> 988 989 </div></div> 990 991 992 <div class="date-outer"> 993 994<h2 class='date-header'><span>Tuesday, April 30, 2013</span></h2> 995 996 <div class="date-posts"> 997 998<div class='post-outer'> 999<div class='post uncustomized-post-template'> 1000<a name='8854479087285422132'></a> 1001<h3 class='post-title'> 1002<a href='https://www.myopenwallet.net/2013/04/spring-update.html'>Spring Update</a> 1003</h3> 1004<div class='post-header-line-1'></div> 1005<div class='post-body'> 1006<p>What a busy few months it has been... for the first time in years, my job has been stressful enough that I started to question whether it was worth the money I make. Sweetie has been feeling the same way, and we often fantasize about ways we could escape the office grind and make a living in some other way... like winning the lottery! We are definitely prisoners of our lifestyle-- we enjoy having certain luxuries, but they have to be paid for, and it's not that easy to find jobs that would make us enough money to continue as we are. We know we could cut out some of those luxuries and still be happy, but they are things we enjoy. When we fantasize about quitting our jobs, it's so we'd have more time to do things like traveling and reading books-- but travel and books cost money. (Books might be obtainable for free at the library, but there is no travel library where you can borrow a plane ticket, unfortunately!) We're both grateful to have jobs in this economy, but when you go from being challenged and entertained by work to feeling like you're stuck in a Dilbert cartoon or just deluged with thankless tasks, it's hard not to question whether there's something better you could be doing.<br /><br />This is all made more complicated by the fact that retirement seems to get closer and closer. Sweetie is older than me, and will have a nice pension, plus income from a 401k and other savings. I will have to rely on just a 401k and savings. Sweetie's retirement income will actually be pretty good unless the stock market totally tanks, but that would all change if there was less income in the in-between years. I'm still worried about whether my savings will be enough to live on by the time I retire, so the thought of early retirement doesn't seem very feasible. But we need to sit down and do some in-depth analysis and planning, which will be made easier by the fact that I finally got Sweetie set up with Quicken to track expenses.<br /><br />In other news, one of the little luxuries we've currently been enjoying is a food delivery service. It's a weekly delivery in which you get all the ingredients for 3 meals, plus recipes. All you have to provide is your own pots and pans, salt, pepper, and olive oil. The cost works out to $10 per person per meal (including shipping), and you can pick a meat/fish plan or a vegetarian plan. We've been doing the vegetarian plan, and I love all the new ideas we've been getting for how to eat a well-balanced meal without meat. The portion control is helpful too. Sweetie is someone who can cook creatively and inventively, but I am not, so I love having someone else make all the decisions and just tell me what to do!<br /><br />As for the cost, I've been thinking it would be interesting to do an analysis on whether this service is "expensive." A lot depends on the specific ingredients included each week, but even without getting too in depth, it's possible to draw some comparisons. Compared to a restaurant meal, $10 per person is definitely cheap. Compared to ordering takeout food, it could be about the same price per meal, depending on what sort of takeout-- it probably works out to be cheaper than most takeout in our area. Is it cheaper than buying our own groceries? Probably not, except in the cases where the recipe requires an unusual ingredient. If I had to buy a whole jar of a spice, it c
1006ould easily cost $5 or more, so it's nice to get just the exact amount needed and not have to worry about waste. And occasionally the recipe and ingredients make enough food that we have enough leftover for a lunch the next day. When you factor in the convenience factor and the enjoyability of the meals, I would say it's a good value and certainly reasonable in relation to our current financial circumstances. But if we did lose our jobs and have to budget more carefully, I'd probably discontinue it and make more effort to cook at home with cheaper ingredients bought in bulk. (The service is called <a href="http://www.blueapron.com/">Blue Apron</a>, if you're interested, and I have not been asked or paid to write about them.)<br /><br />What else is new? Well, I think my mom is going broke, as predicted. She has had her cable TV service turned off to save money and occasionally says things about money being tight, but I haven't asked for details. It is just too upsetting to get into it with her. It really makes me ill that she couldn't listen to reason a few years ago-- she should have sold the house instead of pouring money into renovating it, and moved into an inexpensive condo. I think she still has a little money left in CDs that haven't matured yet, but I'm sure she'll cash them in soon if she hasn't already, and then she'll be stuck living on just Social Security and the continuing payments she gets from my dad's pension plan, which she'll find impossible to do without running up debt, so she'll end up having to sell the house anyway, and then she'll blow through that cash too. There is no satisfaction for me in being able to say "I told you so."<br /><br />How about you? What are your financial plans and dreams and worries these days?</p> 1007<div style='clear: both;'></div> 1008</div> 1009<div class='post-footer'> 1010<p class='post-footer-line post-footer-line-1'> 1011<span class='post-author'> 1012</span> 1013<span class='post-timestamp'> 1014Posted at 1015<a class='timestamp-link' href='https://www.myopenwallet.net/2013/04/spring-update.html' title='permanent link'>1:12 PM</a> 1016</span> 1017<span class='post-comment-link'> 1018<a class='comment-link' href='https://www.blogger.com/comment/fullpage/post/14245531/8854479087285422132' onclick='javascript:window.open(this.href, "bloggerPopup", "toolbar=0,location=0,statusbar=1,menubar=0,scrollbars=yes,width=640,height=500"); return false;'>7 1019comments</a> 1020<a class='comment-link' href='http://www.haloscan.com/tb/myopenwallet/8854479087285422132/' onclick='HaloScanTB("8854479087285422132");return false;'>
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1027 1028<span class='post-labels'> 1029Labels: 1030<a href='https://www.myopenwallet.net/search/label/books' rel='tag'>books</a>, 1031<a href='https://www.myopenwallet.net/search/label/budget' rel='tag'>budget</a>, 1032<a href='https://www.myopenwallet.net/search/label/career' rel='tag'>career</a>, 1033<a href='https://www.myopenwallet.net/search/label/debt' rel='tag'>debt</a>, 1034<a href='https://www.myopenwallet.net/search/label/expenses' rel='tag'>expenses</a>, 1035<a href='https://www.myopenwallet.net/search/label/food' rel='tag'>food</a>, 1036<a href='https://www.myopenwallet.net/search/label/job' rel='tag'>job</a>, 1037<a href='https://www.myopenwallet.net/search/label/luxury' rel='tag'>luxury</a>, 1038<a href='https://www.myopenwallet.net/search/label/money' rel='tag'>money</a>, 1039<a href='https://www.myopenwallet.net/search/label/personal%20finance' rel='tag'>personal finance</a>, 1040<a href='https://www.myopenwallet.net/search/label/spending' rel='tag'>spending</a>, 1041<a href='https://www.myopenwallet.net/search/label/travel' rel='tag'>travel</a> 1042</span> 1043<span class='post-icons'> 1044<span class='item-control blog-admin pid-1231606573'> 1045<a href='https://www.blogger.com/post-edit.g?blogID=14245531&postID=8854479087285422132&from=pencil' title='Edit Post'> 1046<img alt='' class='icon-action' height='18' src='https://resources.blogblog.com/img/icon18_edit_allbkg.gif' width='18'/> 1047</a> 1048</span> 1049</span> 1050</p> 1051</p> 1052<p class='post-footer-line post-footer-line-3'></p> 1053</div> 1054</div> 1055</div> 1056 1057 </div></div> 1058 1059</div> 1060<div class='blog-pager' id='blog-pager'> 1061<span id='blog-pager-older-link'> 1062<a class='blog-pager-older-link' href='https://www.myopenwallet.net/search/label/budget?updated-max=2013-04-30T13:12:00-04:00&max-results=20&start=20&by-date=false' id='Blog1_blog-pager-older-link' title='Older Posts'>Older Posts</a> 1063</span> 1064<a class='home-link' href='https://www.myopenwallet.net/'>Home</a> 1065</div> 1066<div class='clear'></div> 1067<div class='blog-feeds'> 1068<div class='feed-links'> 1069Subscribe to: 1070<a class='feed-link' href='https://www.myopenwallet.net/feeds/posts/default' target='_blank' type='application/atom+xml'>Posts (Atom)</a> 1071</div> 1072</div> 1073</div></div> 1074</div></div> 1075<div id='sidebar-wrap'> 1076<div id='newsidebartop-wrap'><div id='newsidebartop-wrap2'> 1077<div class='sidebar section' id='newsidebartop'><div class='widget Text' data-version='1' id='Text1'> 1078<h2 class='title'>About Me</h2> 1079<div class='widget-content'> 1080<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJ8PDYL7V5rp99AAMK6LQxW4wx-_8kIcUMfhX_KC_C2kjsnkeq7ecZyj-6dslmWoaZENUk8m-8mUfAy0mSt6IyPJU9E80DqI43JQZiEXoIoEO1W9QLOH0EJB0HemSnDfJPnm2svw/s1600-h/mini+Madame+X.JPG" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}"><img alt="" border="0" id="BLOGGER_PHOTO_ID_5081533556306494386" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJ8PDYL7V5rp99AAMK6LQxW4wx-_8kIcUMfhX_KC_C2kjsnkeq7ecZyj-6dslmWoaZENUk8m-8mUfAy0mSt6IyPJU9E80DqI43JQZiEXoIoEO1W9QLOH0EJB0HemSnDfJPnm2svw/s320/mini+Madame+X.JPG" style="cursor: pointer; display: block; float: left; margin: 0px auto 10px;" / /></a> <a href="http://feeds.feedburner.com/MyOpenWallet">Subscribe to my feed</a> <a href="http://feeds.feedburner.com/MyOpenWallet"><img alt="" src="https://lh3.googleusercontent.com/blogger_img_proxy/AEn0k_u7CBaooavDHyAj8E3RR_8Kj37VCImS7kaJljYxzkIqs8rsTsIeDD-hDIqYM94YGe_eExB2KI-hVN6T7wRfROQHAHNbJ8qLTwmarCz_MwDwTtS29LbKxvsnV_dbGG0=s0-d" style="border: 0pt none;" /></a><br /><a href="http://www.myopenwallet.net/2005/01/contact-me.html">Contact Me</a><br /><a href="http://www.myopenwallet.net/2007/01/media.html">Media</a><br /><br />My name is <a href="//www.blogger.com/profile/11536189690094235926">Madame X</a>, and I am a 50-something woman living in New York's lower Hudson Valley. I write about how much money I make, what I spend it on, how much I save, how I budget, my home-buying experiences, my financial goals and ambitions, my thoughts on class and what it means to be rich or poor, and anything else that relates to money. (More about me <a href="http://www.myopenwallet.net/2005/07/what-kind-of-spoon-were-you-born-with.html">here</a>, <a href="http://www.myopenwallet.net/2005/08/how-i-did-it.html">here</a>, and <a href="http://www.myopenwallet.net/2006/03/welcome-clickers.html">here</a>.)<br />If you take any of my advice, do so at your own risk as I am not really qualified to give it. If you have advice to share, please do, and many thanks!<br /> 1081</div> 1082<div class='clear'></div> 1083</div><div class='widget Text' data-version='1' id='Text2'> 1084<h2 class='title'>Net Worth</h2> 1085<div class='widget-content'> 1086As of 6/15/26: $3,281,000<div>Goal for 12/31/26: $3,400,000<br /><br /></div> 1087</div> 1088<div class='clear'></div> 1089</div><div class='widget Text' data-version='1' id='Text5'> 1090<h2 class='title'>My Rules</h2> 1091<div class='widget-content'> 1092<a href="http://www.myopenwallet.net/2005/07/rule-1-credit-card-use.html">#1: Credit Card Use</a><br/><a href="http://www.myopenwallet.net/2005/07/rule-2-online-access.html">#2: Online Access</a><br/>
1092<a href="http://www.myopenwallet.net/2005/07/rule-3-found-money.html">#3: Found Money</a><br/><a href="http://www.myopenwallet.net/2005/07/rule-4-shopping.html">#4: Shopping</a><br/><a href="http://www.myopenwallet.net/2005/07/rule-5-ask-these-questions.html">#5: Ask These Questions</a><br/><a href="http://www.myopenwallet.net/2005/08/rule-6-max-out-your-401k-and-roth-ira_05.html">#6: 401k and Roth IRA</a><br/><a href="http://www.myopenwallet.net/2005/08/rule-7-now-or-later-rule.html">#7: Now or Later?</a><br/><a href="http://www.myopenwallet.net/2005/08/rule-8-work-for-free.html">#8: Work for Free...</a><br/><a href="http://www.myopenwallet.net/2005/08/rule-9-diy-vs-pay.html">#9: DIY vs PAY</a><br/><a href="http://www.myopenwallet.net/2005/08/rule-10-make-enough-money.html">#10: Make Enough Money</a><br/><a href="http://www.myopenwallet.net/2006/01/rule-11-see-no-evil-hear-no-evil.html">#11: See No Evil...</a><br/><a href="http://www.myopenwallet.net/2006/02/rule-12-coupons.html">#12: Coupons</a><br/><a href="http://www.myopenwallet.net/2006/05/rule-13-know-thyself.html">#13: Know Thyself</a><br/><a href="http://www.myopenwallet.net/2006/08/rule-14-buy-good-things.html">#14: Buy Good Things</a><br/><a href="http://www.myopenwallet.net/2006/11/rule-15-all-and-nothing.html">#15: All and Nothing</a><br/><a href="http://www.myopenwallet.net/2007/03/rule-16-who-do-you-think-you-are.html">#16: Who Do You Think You Are?</a><br/><a href="http://www.myopenwallet.net/2007/06/rule-17-numeracy.html">#17: Do the Math</a><br/>
1092<a href="http://www.myopenwallet.net/2007/11/rule-18-alone-and-together.html">#18: Alone and Together</a><br/><a href="http://www.myopenwallet.net/2008/10/rule-19-too-much-house.html">#19: Too Much House</a><br/><a href="http://www.myopenwallet.net/2009/03/rule-20-dont-be-dumb.html">#20: Don't Be Dumb</a><br/> 1093</div> 1094<div class='clear'></div> 1095</div><div class='widget Text' data-version='1' id='Text6'> 1096<h2 class='title'>Other Favorites</h2> 1097<div class='widget-content'> 1098<a href="http://www.myopenwallet.net/search/label/New%20York%20Stories%20Series">New York Stories series</a><br/><a href="http://www.myopenwallet.net/2006/01/fabulous-food-from-frugal-females.html">Fabulous Food from Frugal Folks</a><br/><a href="http://www.myopenwallet.net/2006/02/how-to-ask-for-raise.html">How to Ask for a Raise</a><br/><a href="http://www.myopenwallet.net/2006/02/my-nutty-new-business-bagel-buttering.html">My Nutty New Business</a><br/><a href="http://www.myopenwallet.net/2006/03/money-music.html">Money Music</a><br/><a href="http://www.myopenwallet.net/2005/09/high-tech-vacillation.html">High-tech Vacillation</a><br/><a href="http://www.myopenwallet.net/2005/08/what-color-is-your-millionaire.html">What Color is Your Millionaire</a><br/><a href="http://www.myopenwallet.net/2005/09/i-am-breaking-all-rules.html">I am Breaking all the Rules</a><br/><a href="http://www.myopenwallet.net/2005/07/10-ways-to-burst-real-estate-bubble.html">10 Ways to Burst the Real Estate Bubble</a><br/><a href="http://www.myopenwallet.net/2005/10/how-i-could-be-living.html">How I COULD Be Living</a><br/><a href="http://www.myopenwallet.net/2005/12/expensive-things-i-will-not-be-buying.html">Expensive Things I Will NOT Be Buying</a><br/><a href="http://www.myopenwallet.net/2006/04/miscellaneous-news.html">Miscellaneous News</a><br/><a href="http://www.myopenwallet.net/2007/03/reader-i-cant-marry-you.html">Reader, I Can't Marry You</a><br/><a href="http://www.myopenwallet.net/2006/12/brokesters.html">Bada-Bing Budgeting</a><br/><a href="http://www.myopenwallet.net/2007/06/lessons-learned-from-diet-books-how-to.html">How to Think Like a Rich Person</a><br/><a href="http://www.myopenwallet.net/2007/10/okay-im-asking.html">Okay, I'm Asking!</a><br/> 1099</div> 1100<div class='clear'></div> 1101</div><div class='widget AdSense' data-version='1' id='AdSense3'> 1102<div class='widget-content'>
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1465</li> 1466<li> 1467<a dir='ltr' href='https://www.myopenwallet.net/search/label/coupons'>coupons</a> 1468<span dir='ltr'>(1)</span> 1469</li> 1470<li> 1471<a dir='ltr' href='https://www.myopenwallet.net/search/label/covid-19'>covid-19</a> 1472<span dir='ltr'>(1)</span> 1473</li> 1474<li> 1475<a dir='ltr' href='https://www.myopenwallet.net/search/label/credit%20cards'>credit cards</a> 1476<span dir='ltr'>(12)</span> 1477</li> 1478<li> 1479<a dir='ltr' href='https://www.myopenwallet.net/search/label/crisis'>crisis</a> 1480<span dir='ltr'>(13)</span> 1481</li> 1482<li> 1483<a dir='ltr' href='https://www.myopenwallet.net/search/label/debt'>debt</a> 1484<span dir='ltr'>(15)</span> 1485</li> 1486<li> 1487<a dir='ltr' href='https://www.myopenwallet.net/search/label/dec'>dec</a> 1488<span dir='ltr'>(1)</span> 1489</li> 1490<li> 1491<a dir='ltr' href='https://www.myopenwallet.net/search/label/decisions'>decisions</a> 1492<span dir='ltr'>(58)</span> 1493</li> 1494<li> 1495<a dir='ltr' href='https://www.myopenwallet.net/search/label/dining'>dining</a> 1496<span dir='ltr'>(2)</span> 1497</li> 1498<li> 1499<a dir='ltr' href='https://www.myopenwallet.net/search/label/discounts'>discounts</a> 1500<span dir='ltr'>(4)</span> 1501</li> 1502<li> 1503<a dir='ltr' href='https://www.myopenwallet.net/search/label/dividends'>dividends</a> 1504<span dir='ltr'>(3)</span> 1505</li> 1506<li> 1507<a dir='ltr' href='https://www.myopenwallet.net/search/label/divorce'>divorce</a> 1508<span dir='ltr'>(1)</span> 1509</li> 1510<li> 1511<a dir='ltr' href='https://www.myopenwallet.net/search/label/DIY'>DIY</a> 1512<span dir='ltr'>(4)</span> 1513</li> 1514<li> 1515<a dir='ltr' href='https://www.myopenwallet.net/search/label/drinking'>drinking</a> 1516<span dir='ltr'>(10)</span> 1517</li> 1518<li> 1519<a dir='ltr' href='https://www.myopenwallet.net/search/label/early%20retirement'>early retirement</a> 1520<span dir='ltr'>(2)</span> 1521</li> 1522<li> 1523<a dir='ltr' href='https://www.myopenwallet.net/search/label/economics'>economics</a> 1524<span dir='ltr'>(18)</span> 1525</li> 1526<li> 1527<a dir='ltr' href='https://www.myopenwallet.net/search/label/economy'>economy</a> 1528<span dir='ltr'>(89)</span> 1529</li> 1530<li> 1531<a dir='ltr' href='https://www.myopenwallet.net/search/label/education'>education</a> 1532<span dir='ltr'>(12)</span> 1533</li> 1534<li> 1535<a dir='ltr' href='https://www.myopenwallet.net/search/label/entertainment'>entertainment</a> 1536<span dir='ltr'>(14)</span> 1537</li> 1538<li> 1539<a dir='ltr' href='https://www.myopenwallet.net/search/label/entrepreneurship'>entrepreneurship</a> 1540<span dir='ltr'>(7)</span> 1541</li> 1542<li> 1543<a dir='ltr' href='https://www.myopenwallet.net/search/label/estate%20planning'>estate planning</a> 1544<span dir='ltr'>(25)</span> 1545</li> 1546<li> 1547<a dir='ltr' href='https://www.myopenwallet.net/search/label/excel%20charts'>excel charts</a> 1548<span dir='ltr'>(8)</span> 1549</li> 1550<li> 1551<a dir='ltr' href='https://www.myopenwallet.net/search/label/expense%20tracking'>expense tracking</a> 1552<span dir='ltr'>(1)</span> 1553</li> 1554<li> 1555<a dir='ltr' href='https://www.myopenwallet.net/search/label/expenses'>expenses</a> 1556<span dir='ltr'>(53)</span> 1557</li> 1558<li> 1559<a dir='ltr' href='https://www.myopenwallet.net/search/label/expensive%20things'>expensive things</a> 1560<span dir='ltr'>(2)</span> 1561</li> 1562<li> 1563<a dir='ltr' href='https://www.myopenwallet.net/search/label/family'>family</a> 1564<span dir='ltr'>(86)</span> 1565</li> 1566<li> 1567<a dir='ltr' href='https://www.myopenwallet.net/search/label/fashion'>fashion</a> 1568<span dir='ltr'>(5)</span> 1569</li> 1570<li> 1571<a dir='ltr' href='https://www.myopenwallet.net/search/label/fat%2
15710fire'>fat fire</a> 1572<span dir='ltr'>(1)</span> 1573</li> 1574<li> 1575<a dir='ltr' href='https://www.myopenwallet.net/search/label/fees'>fees</a> 1576<span dir='ltr'>(2)</span> 1577</li> 1578<li> 1579<a dir='ltr' href='https://www.myopenwallet.net/search/label/financial%20freedom'>financial freedom</a> 1580<span dir='ltr'>(2)</span> 1581</li> 1582<li> 1583<a dir='ltr' href='https://www.myopenwallet.net/search/label/financial%20independence'>financial independence</a> 1584<span dir='ltr'>(2)</span> 1585</li> 1586<li> 1587<a dir='ltr' href='https://www.myopenwallet.net/search/label/FIRE'>FIRE</a> 1588<span dir='ltr'>(1)</span> 1589</li> 1590<li> 1591<a dir='ltr' href='https://www.myopenwallet.net/search/label/fitness'>fitness</a> 1592<span dir='ltr'>(2)</span> 1593</li> 1594<li> 1595<a dir='ltr' href='https://www.myopenwallet.net/search/label/flex%20time'>flex time</a> 1596<span dir='ltr'>(1)</span> 1597</li> 1598<li> 1599<a dir='ltr' href='https://www.myopenwallet.net/search/label/food'>food</a> 1600<span dir='ltr'>(60)</span> 1601</li> 1602<li> 1603<a dir='ltr' href='https://www.myopenwallet.net/search/label/found%20money'>found money</a> 1604<span dir='ltr'>(4)</span> 1605</li> 1606<li> 1607<a dir='ltr' href='https://www.myopenwallet.net/search/label/free%20stuff'>free stuff</a> 1608<span dir='ltr'>(16)</span> 1609</li> 1610<li> 1611<a dir='ltr' href='https://www.myopenwallet.net/search/label/friends'>friends</a> 1612<span dir='ltr'>(27)</span> 1613</li> 1614<li> 1615<a dir='ltr' href='https://www.myopenwallet.net/search/label/frugality'>frugality</a> 1616<span dir='ltr'>(43)</span> 1617</li> 1618<li> 1619<a dir='ltr' href='https://www.myopenwallet.net/search/label/fun'>fun</a> 1620<span dir='ltr'>(44)</span> 1621</li> 1622<li> 1623<a dir='ltr' href='https://www.myopenwallet.net/search/label/gambling'>gambling</a> 1624<span dir='ltr'>(2)</span> 1625</li> 1626<li> 1627<a dir='ltr' href='https://www.myopenwallet.net/search/label/get%20rich%20quick'>get rich quick</a> 1628<span dir='ltr'>(4)</span> 1629</li> 1630<li> 1631<a dir='ltr' href='https://www.myopenwallet.net/search/label/gift%20cards'>gift cards</a> 1632<span dir='ltr'>(1)</span> 1633</li> 1634<li> 1635<a dir='ltr' href='https://www.myopenwallet.net/search/label/gifts'>gifts</a> 1636<span dir='ltr'>(27)</span> 1637</li> 1638<li> 1639<a dir='ltr' href='https://www.myopenwallet.net/search/label/goals'>goals</a> 1640<span dir='ltr'>(20)</span> 1641</li> 1642<li> 1643<a dir='ltr' href='https://www.myopenwallet.net/search/label/government'>government</a> 1644<span dir='ltr'>(18)</span> 1645</li> 1646<li> 1647<a dir='ltr' href='https://www.myopenwallet.net/search/label/green%20smoothie'>green smoothie</a> 1648<span dir='ltr'>(1)</span> 1649</li> 1650<li> 1651<a dir='ltr' href='https://www.myopenwallet.net/search/label/guest%20post'>guest post</a> 1652<span dir='ltr'>(4)</span> 1653</li> 1654<li> 1655<a dir='ltr' href='https://www.myopenwallet.net/search/label/health'>health</a> 1656<span dir='ltr'>(26)</span> 1657</li> 1658<li> 1659<a dir='ltr' href='https://www.myopenwallet.net/search/label/health%20insurance'>health insurance</a> 1660<span dir='ltr'>(3)</span> 1661</li> 1662<li> 1663<a dir='ltr' href='https://www.myopenwallet.net/search/label/healthcare'>healthcare</a> 1664<span dir='ltr'>(2)</span> 1665</li> 1666<li> 1667<a dir='ltr' href='https://www.myopenwallet.net/search/label/hobbies'>hobbies</a> 1668<span dir='ltr'>(5)</span> 1669</li> 1670<li> 1671<a dir='ltr' href='https://www.myopenwallet.net/search/label/home%20buying'>home buying</a> 1672<span dir='ltr'>(1)</span> 1673</li> 1674<li> 1675<a dir='ltr' href='https://www.myopenwallet.net/search/label/home%20equity'>home equity</a> 1676<span dir='ltr'>(2)</span> 1677</li> 1678<li> 1679<a dir='ltr' href='https://www.myopenwallet.net/search/label/honesty'>honesty</a> 1680<span dir='ltr'>(2)</span> 1681</li> 1682<li> 1683<a dir='ltr' href='https://www.myopenwallet.net/search/label/household'>household</a> 1684<span dir='ltr'>(36)</span> 1685</li> 1686<li> 1687<a dir='ltr' href='https://www.myopenwallet.net/search/label/housing'>housing</a> 1688<span dir='ltr'>(5)</span> 1689</li> 1690<li> 1691<a dir='ltr' href='https://www.myopenwallet.net/search/label/ideas'>ideas</a> 1692<span dir='ltr'>(1)</span> 1693</li> 1694<li> 1695<a dir='ltr' href='https://www.myopenwallet.net/search/label/income'>income</a> 1696<span dir='ltr'>(73)</span> 1697</li> 1698<li> 1699<a dir='ltr' href='https://www.myopenwallet.net/search/label/independence'>independence</a> 1700<span dir='ltr'>(8)</span> 1701</li> 1702<li> 1703<a dir='ltr' href='https://www.myopenwallet.net/search/label/inheritance'>inheritance</a> 1704<span dir='ltr'>(3)</span> 1705</li> 1706<li> 1707<a dir='ltr' href='https://www.myopenwallet.net/search/label/insurance'>insurance</a> 1708<span dir='ltr'>(2)</span> 1709</li> 1710<li> 1711<a dir='ltr' href='https://www.myopenwallet.net/search/label/interest'>interest</a> 1712<span dir='ltr'>(1)</span> 1713</li> 1714<li> 1715<a dir='ltr' href='https://www.myopenwallet.net/search/label/interest%20rate'>interest rate</a> 1716<span dir='ltr'>(1)</span> 1717</li> 1718<li> 1719<a dir='ltr' href='https://www.myopenwallet.net/search/label/interest%20rates'>interest rates</a> 1720<span dir='ltr'>(5)</span> 1721</li> 1722<li> 1723<a dir='ltr' href='https://www.myopenwallet.net/search/label/interviews'>interviews</a> 1724<span dir='ltr'>(4)</span> 1725</li> 1726<li> 1727<a dir='ltr' href='https://www.myopenwallet.net/search/label/investing'>investing</a> 1728<span dir='ltr'>(58)</span> 1729</li> 1730<li> 1731<a dir='ltr' href='https://www.myopenwallet.net/search/label/investment'>investment</a> 1732<span dir='ltr'>(6)</span> 1733</li> 1734<li> 1735<a dir='ltr' href='https://www.myopenwallet.net/search/label/investments'>investments</a> 1736<span dir='ltr'>(2)</span> 1737</li> 1738<li> 1739<a dir='ltr' href='https://www.myopenwallet.net/search/label/iPhone'>iPhone</a> 1740<span dir='ltr'>(2)</span> 1741</li> 1742<li> 1743<a dir='ltr' href='https://www.myopenwallet.net/search/label/iphone%204s'>iphone 4s</a> 1744<span dir='ltr'>(1)</span> 1745</li> 1746<li> 1747<a dir='ltr' href='https://www.myopenwallet.net/search/label/iphone%206s'>iphone 6s</a> 1748<span dir='ltr'>(2)</span> 1749</li> 1750<li> 1751<a dir='ltr' href='https://www.myopenwallet.net/search/label/irrevocable%20trust'>irrevocable trust</a> 1752<span dir='ltr'>(1)</span> 1753</li> 1754<li> 1755<a dir='ltr' href='https://www.myopenwallet.net/search/label/James%20Brown'>James Brown</a> 1756<span dir='ltr'>(8)</span> 1757</li> 1758<li> 1759<a dir='ltr' href='https://www.myopenwallet.net/search/label/job'>job</a> 1760<span dir='ltr'>(7)</span> 1761</li> 1762<li> 1763<a dir='ltr' href='https://www.myopenwallet.net/search/label/juice'>juice</a> 1764<span dir='ltr'>(1)</span> 1765</li> 1766<li> 1767<a dir='ltr' href='https://www.myopenwallet.net/search/label/kids'>kids</a> 1768<span dir='ltr'>(5)</span> 1769</li> 1770<li> 1771<a dir='ltr' href='https://www.myopenwallet.net/search/label/lawyer'>
1771lawyer</a> 1772<span dir='ltr'>(1)</span> 1773</li> 1774<li> 1775<a dir='ltr' href='https://www.myopenwallet.net/search/label/lean%20fire'>lean fire</a> 1776<span dir='ltr'>(1)</span> 1777</li> 1778<li> 1779<a dir='ltr' href='https://www.myopenwallet.net/search/label/lessons'>lessons</a> 1780<span dir='ltr'>(1)</span> 1781</li> 1782<li> 1783<a dir='ltr' href='https://www.myopenwallet.net/search/label/links'>links</a> 1784<span dir='ltr'>(60)</span> 1785</li> 1786<li> 1787<a dir='ltr' href='https://www.myopenwallet.net/search/label/living%20within%20one%27s%20means'>living within one's means</a> 1788<span dir='ltr'>(46)</span> 1789</li> 1790<li> 1791<a dir='ltr' href='https://www.myopenwallet.net/search/label/lottery'>lottery</a> 1792<span dir='ltr'>(1)</span> 1793</li> 1794<li> 1795<a dir='ltr' href='https://www.myopenwallet.net/search/label/luck'>luck</a> 1796<span dir='ltr'>(1)</span> 1797</li> 1798<li> 1799<a dir='ltr' href='https://www.myopenwallet.net/search/label/luxury'>luxury</a> 1800<span dir='ltr'>(4)</span> 1801</li> 1802<li> 1803<a dir='ltr' href='https://www.myopenwallet.net/search/label/macbook'>macbook</a> 1804<span dir='ltr'>(1)</span> 1805</li> 1806<li> 1807<a dir='ltr' href='https://www.myopenwallet.net/search/label/medicaid'>medicaid</a> 1808<span dir='ltr'>(1)</span> 1809</li> 1810<li> 1811<a dir='ltr' href='https://www.myopenwallet.net/search/label/medical'>medical</a> 1812<span dir='ltr'>(9)</span> 1813</li> 1814<li> 1815<a dir='ltr' href='https://www.myopenwallet.net/search/label/millionaire'>millionaire</a> 1816<span dir='ltr'>(1)</span> 1817</li> 1818<li> 1819<a dir='ltr' href='https://www.myopenwallet.net/search/label/miscellaneous'>miscellaneous</a> 1820<span dir='ltr'>(59)</span> 1821</li> 1822<li> 1823<a dir='ltr' href='https://www.myopenwallet.net/search/label/mistakes'>mistakes</a> 1824<span dir='ltr'>(15)</span> 1825</li> 1826<li> 1827<a dir='ltr' href='https://www.myopenwallet.net/search/label/mom'>mom</a> 1828<span dir='ltr'>(1)</span> 1829</li> 1830<li> 1831<a dir='ltr' href='https://www.myopenwallet.net/search/label/money'>money</a> 1832<span dir='ltr'>(2)</span> 1833</li> 1834<li> 1835<a dir='ltr' href='https://www.myopenwallet.net/search/label/Money%20Match'>Money Match</a> 1836<span dir='ltr'>(9)</span> 1837</li> 1838<li> 1839<a dir='ltr' href='https://www.myopenwallet.net/search/label/money-making%20ideas'>money-making ideas</a> 1840<span dir='ltr'>(6)</span> 1841</li> 1842<li> 1843<a dir='ltr' href='https://www.myopenwallet.net/search/label/monthly%20recap'>monthly recap</a> 1844<span dir='ltr'>(42)</span> 1845</li> 1846<li> 1847<a dir='ltr' href='https://www.myopenwallet.net/search/label/mortgage'>mortgage</a> 1848<span dir='ltr'>(10)</span> 1849</li> 1850<li> 1851<a dir='ltr' href='https://www.myopenwallet.net/search/label/movies'>movies</a> 1852<span dir='ltr'>(6)</span> 1853</li> 1854<li> 1855<a dir='ltr' href='https://www.myopenwallet.net/search/label/music'>music</a> 1856<span dir='ltr'>(6)</span> 1857</li> 1858<li> 1859<a dir='ltr' href='https://www.myopenwallet.net/search/label/mutual%20funds'>mutual funds</a> 1860<span dir='ltr'>(3)</span> 1861</li> 1862<li> 1863<a dir='ltr' href='https://www.myopenwallet.net/search/label/negotiating'>negotiating</a> 1864<span dir='ltr'>(1)</span> 1865</li> 1866<li> 1867<a dir='ltr' href='https://www.myopenwallet.net/search/label/net%20worth'>net worth</a> 1868<span dir='ltr'>(64)</span> 1869</li> 1870<li> 1871<a dir='ltr' href='https://www.myopenwallet.net/search/label/new%20car%20purchase'>new car purchase</a> 1872<span dir='ltr'>(1)</span> 1873</li> 1874<li> 1875<a dir='ltr' href='https://www.myopenwallet.net/search/label/new%20york'>new york</a> 1876<span dir='ltr'>(117)</span> 1877</li> 1878<li> 1879<a dir='ltr' href='https://www.myopenwallet.net/search/label/New%20York%20Stories%20Series'>New York Stories Series</a> 1880<span dir='ltr'>(16)</span> 1881</li> 1882<li> 1883<a dir='ltr' href='https://www.myopenwallet.net/search/label/news'>news</a> 1884<span dir='ltr'>(101)</span> 1885</li> 1886<li> 1887<a dir='ltr' href='https://www.myopenwallet.net/search/label/NYC'>NYC</a> 1888<span dir='ltr'>(1)</span> 1889</li> 1890<li> 1891<a dir='ltr' href='https://www.myopenwallet.net/search/label/obamacare'>obamacare</a> 1892<span dir='ltr'>(1)</span> 1893</li> 1894<li> 1895<a dir='ltr' href='https://www.myopenwallet.net/search/label/organization'>organization</a> 1896<span dir='ltr'>(2)</span> 1897</li> 1898<li> 1899<a dir='ltr' href='https://www.myopenwallet.net/search/label/overheard'>overheard</a> 1900<span dir='ltr'>(13)</span> 1901</li> 1902<li> 1903<a dir='ltr' href='https://www.myopenwallet.net/search/label/pandemic'>pandemic</a> 1904<span dir='ltr'>(1)</span> 1905</li> 1906<li> 1907<a dir='ltr' href='https://www.myopenwallet.net/search/label/passport%20wallet'>passport wallet</a> 1908<span dir='ltr'>(1)</span> 1909</li> 1910<li> 1911<a dir='ltr' href='https://www.myopenwallet.net/search/label/pension'>pension</a> 1912<span dir='ltr'>(1)</span> 1913</li> 1914<li> 1915<a dir='ltr' href='https://www.myopenwallet.net/search/label/pers
1915onal%20finance'>personal finance</a> 1916<span dir='ltr'>(3)</span> 1917</li> 1918<li> 1919<a dir='ltr' href='https://www.myopenwallet.net/search/label/pets'>pets</a> 1920<span dir='ltr'>(2)</span> 1921</li> 1922<li> 1923<a dir='ltr' href='https://www.myopenwallet.net/search/label/politics'>politics</a> 1924<span dir='ltr'>(12)</span> 1925</li> 1926<li> 1927<a dir='ltr' href='https://www.myopenwallet.net/search/label/polls'>polls</a> 1928<span dir='ltr'>(1)</span> 1929</li> 1930<li> 1931<a dir='ltr' href='https://www.myopenwallet.net/search/label/poverty'>poverty</a> 1932<span dir='ltr'>(20)</span> 1933</li> 1934<li> 1935<a dir='ltr' href='https://www.myopenwallet.net/search/label/powerball'>powerball</a> 1936<span dir='ltr'>(1)</span> 1937</li> 1938<li> 1939<a dir='ltr' href='https://www.myopenwallet.net/search/label/press'>press</a> 1940<span dir='ltr'>(2)</span> 1941</li> 1942<li> 1943<a dir='ltr' href='https://www.myopenwallet.net/search/label/price%20comparison'>price comparison</a> 1944<span dir='ltr'>(33)</span> 1945</li> 1946<li> 1947<a dir='ltr' href='https://www.myopenwallet.net/search/label/price%20to%20earnings%20ratio'>price to earnings ratio</a> 1948<span dir='ltr'>(1)</span> 1949</li> 1950<li> 1951<a dir='ltr' href='https://www.myopenwallet.net/search/label/prime%20rate'>prime rate</a> 1952<span dir='ltr'>(1)</span> 1953</li> 1954<li> 1955<a dir='ltr' href='https://www.myopenwallet.net/search/label/productivity'>productivity</a> 1956<span dir='ltr'>(1)</span> 1957</li> 1958<li> 1959<a dir='ltr' href='https://www.myopenwallet.net/search/label/questions%20from%20readers'>questions from readers</a> 1960<span dir='ltr'>(17)</span> 1961</li> 1962<li> 1963<a dir='ltr' href='https://www.myopenwallet.net/search/label/Quicken'>Quicken</a> 1964<span dir='ltr'>(5)</span> 1965</li> 1966<li> 1967<a dir='ltr' href='https://www.myopenwallet.net/search/label/real'>real</a> 1968<span dir='ltr'>(1)</span> 1969</li> 1970<li> 1971<a dir='ltr' href='https://www.myopenwallet.net/search/label/real%20estate'>real estate</a> 1972<span dir='ltr'>(129)</span> 1973</li> 1974<li> 1975<a dir='ltr' href='https://www.myopenwallet.net/search/label/record-keeping'>record-keeping</a> 1976<span dir='ltr'>(8)</span> 1977</li> 1978<li> 1979<a dir='ltr' href='https://www.myopenwallet.net/search/label/refunds'>refunds</a> 1980<span dir='ltr'>(4)</span> 1981</li> 1982<li> 1983<a dir='ltr' href='https://www.myopenwallet.net/search/label/relationships'>relationships</a> 1984<span dir='ltr'>(55)</span> 1985</li> 1986<li> 1987<a dir='ltr' href='https://www.myopenwallet.net/search/label/religion'>religion</a> 1988<span dir='ltr'>(1)</span> 1989</li> 1990<li> 1991<a dir='ltr' href='https://www.myopenwallet.net/search/label/rent'>rent</a> 1992<span dir='ltr'>(3)</span> 1993</li> 1994<li> 1995<a dir='ltr' href='https://www.myopenwallet.net/search/label/retire'>retire</a> 1996<span dir='ltr'>(1)</span> 1997</li> 1998<li> 1999<a dir='ltr' href='https://www.myopenwallet.net/search/label/retirement'>retirement</a> 2000<span dir='ltr'>(41)</span> 2001</li> 2002<li> 2003<a dir='ltr' href='https://www.myopenwallet.net/search/label/retirement%20funds'>retirement funds</a> 2004<span dir='ltr'>(1)</span> 2005</li> 2006<li> 2007<a dir='ltr' href='https://www.myopenwallet.net/search/label/revocable%20trust'>revocable trust</a> 2008<span dir='ltr'>(1)</span> 2009</li> 2010<li> 2011<a dir='ltr' href='https://www.myopenwallet.net/search/label/rip%20off'>rip off</a> 2012<span dir='ltr'>(1)</span> 2013</li> 2014<li> 2015<a dir='ltr' href='https://www.myopenwallet.net/search/label/Roth%20IRA'>Roth IRA</a> 2016<span dir='ltr'>(3)</span> 2017</li> 2018<li> 2019<a dir='ltr' href='https://www.myopenwallet.net/search/label/Rules'>Rules</a> 2020<span dir='ltr'>(20)</span> 2021</li> 2022<li> 2023<a dir='ltr' href='https://www.myopenwallet.net/search/label/salary'>salary</a> 2024<span dir='ltr'>(44)</span> 2025</li> 2026<li> 2027<a dir='ltr' href='https://www.myopenwallet.net/search/label/saving'>saving</a> 2028<span dir='ltr'>(87)</span> 2029</li> 2030<li> 2031<a dir='ltr' href='https://www.myopenwallet.net/search/label/savings'>savings</a> 2032<span dir='ltr'>(5)</span> 2033</li> 2034<li> 2035<a dir='ltr' href='https://www.myopenwallet.net/search/label/self-image'>self-image</a> 2036<span dir='ltr'>(27)</span> 2037</li> 2038<li> 2039<a dir='ltr' href='https://www.myopenwallet.net/search/label/shopping'>shopping</a> 2040<span dir='ltr'>(48)</span> 2041</li> 2042<li> 2043<a dir='ltr' href='https://www.myopenwallet.net/search/label/simplicity'>simplicity</a> 2044<span dir='ltr'>(3)</span> 2045</li> 2046<li> 2047<a dir='ltr' href='https://www.myopenwallet.net/search/label/sister'>sister</a> 2048<span dir='ltr'>(1)</span> 2049</li> 2050<li> 2051<a dir='ltr' href='https://www.myopenwallet.net/search/label/site%20information'>site information</a> 2052<span dir='ltr'>(1)</span> 2053</li> 2054<li> 2055<a dir='ltr' href='https://www.myopenwallet.net/search/label/social%20class'>social class</a> 2056<span dir='ltr'>(22)</span> 2057</li> 2058<li> 2059<a dir='ltr' href='https://www.myopenwallet.net/search/label/software'>software</a> 2060<span dir='ltr'>(1)</span> 2061</li> 2062<li> 2063<a dir='ltr' href='https://www.myopenwallet.net/search/label/spending'>spending</a> 2064<span dir='ltr'>(163)</span> 2065</li> 2066<li> 2067<a dir='ltr' href='https://www.myopenwallet.net/search/label/spendthrift'>spendthrift</a> 2068<span dir='ltr'>(1)</span> 2069</li> 2070<li> 2071<a dir='ltr' href='https://www.myopenwallet.net/search/label/sports'>sports</a> 2072<span dir='ltr'>(4)</span> 2073</li> 2074<li> 2075<a dir='ltr' href='https://www.myopenwallet.net/search/label/statistics'>statistics</a> 2076<span dir='ltr'>(16)</span> 2077</li> 2078<li> 2079<a dir='ltr' href='https://www.myopenwallet.net/search/label/stock%20market'>stock market</a> 2080<span dir='ltr'>(6)</span> 2081</li> 2082<li> 2083<a dir='ltr' href='https://www.myopenwallet.net/search/label/stocks'>stocks</a> 2084<span dir='ltr'>(12)</span> 2085</li> 2086<li> 2087<a dir='ltr' href='https://www.myopenwallet.net/search/label/stories'>stories</a> 2088<span dir='ltr'>(49)</span> 2089</li> 2090<li> 2091<a dir='ltr' href='https://www.myopenwallet.net/search/label/taxes'>taxes</a> 2092<span dir='ltr'>(26)</span> 2093</li> 2094<li> 2095<a dir='ltr' href='https://www.myopenwallet.net/search/label/technology'>technology</a> 2096<span dir='ltr'>(25)</span> 2097</li> 2098<li> 2099<a dir='ltr' href='https://www.myopenwallet.net/search/label/telecommute'>telecommute</a> 2100<span dir='ltr'>(1)</span> 2101</li> 2102<li> 2103<a dir='ltr' href='https://www.myopenwallet.net/search/label/time%20management'>time management</a> 2104<span dir='ltr'>(3)</span> 2105</li> 2106<li> 2107<a dir='ltr' href='https://www.myopenwallet.net/search/label/tipping'>tipping</a> 2108<span dir='ltr'>(2)</span> 2109</li> 2110<li> 2111<a dir='ltr' href='https://www.myopenwallet.net/search/label/tmi%20friday'>tmi friday</a> 2112<span dir='ltr'>(2)</span> 2113</li> 2114<li> 2115<a dir='ltr' href='https://www.myopenwallet.net/search/label/travel'>travel</a> 2116<span dir='ltr'>(38)</span> 2117</li> 2118<li> 2119<a dir='ltr' href='https://www.myopenwallet.net/search/label/unemployment'>unemployment</a> 2120<span dir='ltr'>(1)</span> 2121</li> 2122<li> 2123<a dir='ltr' href='https://www.myopenwallet.net/search/label/unlocked%20phone'>unlocked phone</a> 2124<span dir='ltr'>(1)</span> 2125</li> 2126<li> 2127<a dir='ltr' href='https://www.myopenwallet.net/search/label/unmarr
2127ied%20couple%20finances'>unmarried couple finances</a> 2128<span dir='ltr'>(8)</span> 2129</li> 2130<li> 2131<a dir='ltr' href='https://www.myopenwallet.net/search/label/values'>values</a> 2132<span dir='ltr'>(3)</span> 2133</li> 2134<li> 2135<a dir='ltr' href='https://www.myopenwallet.net/search/label/vanity'>vanity</a> 2136<span dir='ltr'>(8)</span> 2137</li> 2138<li> 2139<a dir='ltr' href='https://www.myopenwallet.net/search/label/vitamix'>vitamix</a> 2140<span dir='ltr'>(1)</span> 2141</li> 2142<li> 2143<a dir='ltr' href='https://www.myopenwallet.net/search/label/wallet'>wallet</a> 2144<span dir='ltr'>(1)</span> 2145</li> 2146<li> 2147<a dir='ltr' href='https://www.myopenwallet.net/search/label/wealth'>wealth</a> 2148<span dir='ltr'>(66)</span> 2149</li> 2150<li> 2151<a dir='ltr' href='https://www.myopenwallet.net/search/label/weird'>weird</a> 2152<span dir='ltr'>(21)</span> 2153</li> 2154<li> 2155<a dir='ltr' href='https://www.myopenwallet.net/search/label/will'>will</a> 2156<span dir='ltr'>(1)</span> 2157</li> 2158<li> 2159<a dir='ltr' href='https://www.myopenwallet.net/search/label/women'>women</a> 2160<span dir='ltr'>(16)</span> 2161</li> 2162<li> 2163<a dir='ltr' href='https://www.myopenwallet.net/search/label/working'>working</a> 2164<span dir='ltr'>(7)</span> 2165</li> 2166<li> 2167<a dir='ltr' href='https://www.myopenwallet.net/search/label/yearly%20recap'>yearly recap</a> 2168<span dir='ltr'>(8)</span> 2169</li> 2170<li> 2171<a dir='ltr' href='https://www.myopenwallet.net/search/label/young%20adults'>young adults</a> 2172<span dir='ltr'>(1)</span> 2173</li> 2174</ul> 2175<div class='clear'></div> 2176</div> 2177</div><div class='widget HTML' data-version='1' id='HTML1'> 2178<h2 class='title'>Site Info</h2> 2179<div class='widget-content'> 2180<p> </p><p><a href="http://feeds.feedburner.com/MyOpenWallet"><img style="border: 0pt none ;" alt="" width="88" src="https://lh3.googleusercontent.com/blogger_img_proxy/AEn0k_uk9xXrhYxTTkbGI5zsqDzEbgCz14iy6ZkywawYsMFIv-KuVWoopiPh4_wYab2oUN5Mng2faxsS5Y6u1hnGYluTWjbm7V9NBulwXc4_iyChoYWWJYSmoRxra8_zNg=s0-d" height="26"></a></p> 2181 2182 2183<form action="http://www.feedblitz.com/feedblitz.exe?BurnUser" method="post"><p><label for="email">Enter your email to subscribe:</label> 2184<input maxlength="240" id="email" name="email" size="22" type="text"/> 2185<input value="MyOpenWallet" name="uri" type="hidden"/> <input value="Subscribe me!" type="submit"/></p><p id="poweredByFeedBlitz">Powered by <a href="http://www.feedblitz.com/">FeedBlitz</a></p></form> 2186 2187<ul>
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