Netflix’s Love is Blind

I understand the premise of Netflix’s Love is Blind show. But man… through the use of TV magic, it feels like the “singles” are bonding really fast.  Although I think it’s possible to understand a person within a few days of non-face to face interactions, the real challenge comes from the future face to face interactions.  How much of how their initial connection is pure adrenaline/oxytocin rushing through their systems?

As the episodes go on, they start showing a lot of  very common real world situations.  They all seem to reveal some very personal situations…

  • Self sabotage of self.
  • Not being supported after an abortion
  • Insecurity of  age gaps in relationship
  • Abandonment issues

This show has a lot to take in.



Nerdy Financial Speak

I was looking at my 401K this morning and had a thought…. “How much money has an individual contributed to a 401K if they started in 2000 and they contributed the max allowable every year?”

Fortunately, a search yielded this website.  Plugging the numbers into Excel was pretty easy.  Total contribution for the past 20 years (starting in 2000) amounted to only $329,000And so I had another thought… “Websites lately have been saying if you are XX years old, you should have YY amount in 401K.”  I went back to search a few websites and although they didn’t tell me much.  One website stated that by 30 I should have 1x my salary; by 40 I should 3x; by 50 I should have 5x.  As the website stated above, I wondered if it was possible that someone working 10 years making 50K could actually have 1x salary saved.  Remembering back how I first started working, money was tight.  Looking at the numbers, it’s possible but the numbers are difficult to “hit” 40 and 50 strictly looking at the just contributions alone.

The first website I linked also had a target guide.  The guide lists # of years worked and then a range on Low/Mid/High.  According to the website, if you’re between 30-45 (Middle Age/Mid End) you should have somewhere in between $150,000 to $500,000!?  Fact: If you contributed the max amount for 20 years starting in 2000. You would have only contributed $329,000.  $329,000 is smack dab in the middle.  If you’ve been working for only 10 years, you just hit a max range between $140,000-$180,000.  And… My guess is total contributions would be lower since generally the first 5-10 years of working… money is tight resulting in less than max contributions.  I know I probably didn’t max my initial working years.  And for awhile, I didn’t have income while in graduate school too.

Now… to throw a wrinkle into these numbers, 401Ks grow over time.  It’s been known that “beating the stock market” is not a long term viable strategy.  Hedge funds and actively managed funds do not consistently perform as well as the index funds.  Buffet won a bet using this strategy of passive investing with low maintenance fees.  Now based on this website, some growth calculation is needed via Excel.  Some numbers to think about… Mutual funds over the past 20 years have a 4.6% return. In the past 10 years, have a 4.2% return.  In the past 5 years, have a 6.9% return.  Stock index’s like S&P 500 have performed with a 10% return in the past 5 years.  For someone who started working in 2000 and contributed the max for 20 years, that person would have just a little over $510,000.  

What’s even more interesting is if the calculations assumed a 10% return based on 90-yr historical stock performance, you’d only be a sliver over $905,000.  But there’s so much more volatility with stock performance that ultimately depends on “timing the market.”  If specifically looking at S&P 500 funds (60-yr history), that return has been about 8% or $727,000 and also depends on timing the market.

In summary, for the past 20 years, an individual who has been diligently contributing to the max allowable 401K amount would result in either:

  • $510K (5% mutual fund)
  • $727K (8% average stock index fund)
  • $905K (10% historical stock market performance).

If your current 401K portfolio falls anywhere in that range (or higher), I think you’re in good shape.  The numbers I presented are what I believe baseline minimum numbers of what an individual should currently have in their 401Ks based on 2 key assumptions: a 5% mutual fund growth and max contributions since 2000.  So even if you didn’t make max contributions every year, if your portfolio value is between these numbers than consider yourself “caught up” to the minimum.  Give yourself a reward because YOUR MONEY WILL ONLY GROW from here on out



Mindy World News

A few weeks ago, a TW FB friend posted a link to a TW podcast called Mindi World News.  From what I gather, the podcaster selects newsworthy world events and explains the news in depth to her audience.  Although I can’t read her print, I assume the podcast is a close reflection of what she is writing and vice versa.

I only understand 50% of her podcast due to the fact I don’t know a lot of the Chinese names (i.e. Pakistan 巴基斯坦 or Palestine 巴勒斯坦) of places that I know in English.  However, I get the general idea of what she’s describing if I also happen to read them in English.  This 50% comprehension is roughly about right when I also talk to my relatives outside of anything conversational.  Maybe from listening to this, I might be able to understand more?

Netflix’s Two Popes

Ever since Pope Francis was elected to replace Benedict XVI, I always hear about the news that Pope Francis is stirring up whether it be about Trump, climate change or poverty.

Netflix has a movie regarding these two popes.  It’s a pretty riveting movie to watch that gives some (hopefully historically accurate) account of why Francis became the natural successor to Benedict.  It touched upon Francis’ history, his fall from faith and rebirth into who he is now.  Sprinkled throughout the movie, the writers somehow managed inject dry humor into a fairly serious movie.

Interestingly enough, the two actor’s are nominated for best actor and supporting actor roles as well.  I certainly hope one or both win.

Super Bowl Breakdown

Egads… what a colossal defensive SF breakdown in the 4th.  I watched the last 10 minutes of the 4th quarter where San Francisco was up 20-10.  Biggest lesson?  Penalties Sink Teams

The big 44 yard catch by KC’s Hill on a 3rd and 15 and the subsequent SF pass interference penalty shifted the momentum towards KC.  From there on out, it was a touchdown to bring it to 20-17.  Then an SF… 3 and out. Where’s that run game!?

With KC in good field position, Sherman let his guy slip past him for another big gain which soon led to another TD and KC on top 24-20.  The following drive to “win” the game ended up in a turnover on downs.  And after that… KC runs it in for another TD to seal the game.

Looking at the highlights on YouTube, penalties sink teams.  The penalty at the end of 1st half hurt the 49ers.  They had a chance to score going into halftime but that penalty pretty much guaranteed a tie game.  Then that critical pass interference pretty much sparked KC’s momentum and subsequently demoralized the SF defense with 2 quick scores.  Looking at how SF defense started playing after this penalty, I had a feeling that they were going to lose.

Ritual Coffee Roasters

Ritual Coffee Roasters. These roasters were my gateway beans into the wide world of  coffee roasters.  Years ago, I received a 6m subscription from Ritual coffee.  Back then I was still making my latte along with an overnight cold brew.  I was amazed at just how different beans could impart such different tastes, texture and aromas.  And the were all roasted by one company.  Anyways, I went up to Northern California recently and stopped by one of Ritual Coffee’s many outlets and picked up these beans from Colombia.


Opening the bag, I’m greeted with nutty and floral aromas.  This brings me back to some of the early memories of opening the Ritual bags when I received them in the mail.  After making my latte, I start tasting this pleasant citrus flavor that seems to morph into this chocolate flavored after taste.