{"id":1741,"date":"2020-01-10T10:38:35","date_gmt":"2020-01-10T17:38:35","guid":{"rendered":"https:\/\/www.thefundfamily.com\/?p=1741"},"modified":"2020-01-14T15:52:34","modified_gmt":"2020-01-14T22:52:34","slug":"3-year-work-anniversary","status":"publish","type":"post","link":"https:\/\/trevorrumsey.com\/thefundfamily\/3-year-work-anniversary\/","title":{"rendered":"3 Year Work Anniversary"},"content":{"rendered":"\n

Yesterday, January 9th 2020, marked 3 years that I have worked at BYU. It’s hard to believe that time has flown by this fast. A lot of things have changed since I started this job that I wanted to cover. Honestly, I had almost forgot that it was my 3 year work anniversary until my boss sent me a congratulatory email. Here’s what has changed in 3 years:<\/p>\n\n\n\n

KIDS!<\/h2>\n\n\n\n

Shortly after I got my job at BYU Tara and I got pregnant with our first child, Rhett. One of the best things about working at BYU has been the benefits, especially the health care benefits. We’ve always wanted to have kids, but having good insurance made it a lot less stressful on us financially. Rhett was born October 2017 and then 21 months later, Jack was born in July 2019. I am super grateful that I have been able to provide a solid foundation financially for them because of my job.<\/p>\n\n\n\n

\"Rhett<\/figure><\/div>\n\n\n\n

We Got out of Debt<\/h2>\n\n\n\n

3 years ago, we were in a small amount of debt and had zero assets<\/a>. Our debt came from two sources: a car loan and a student loan that amounted to about $10k. Because of this job, we were able to get out of debt and start putting money in our asset column.<\/a><\/p>\n\n\n\n

We Grew Our Assets<\/h2>\n\n\n\n

Once we were out of debt, we started saving aggressively. I wrote an article back in August 2018 on how we save 40% of our income every month<\/a>. We have been pretty consistent at saving close to that every month, despite buying our first home in November that same year. Once we bought our home, our focus shifted from high yield savings to index fund investing.<\/a> We were already putting money away into my 401k every month, but we wanted to have more short-term investments. We started putting more money into our Vanguard account<\/a> where we buy an index fund called VTI. Most recently, however, we started putting more money into a Fidelity index fund called FZROX<\/a> (I plan on writing another article on this soon). Because of good market conditions and our aggressive savings rate, I’m happy to say that we now have over $35,000 in investments! In 3 years we went from -$10k to $35k, a $45,000 difference. Tara and I are super happy with where we are at, but feel like we can accomplish so much more!<\/p>\n\n\n\n

\"Investment<\/figure>\n\n\n\n

We Were Able to Travel<\/h2>\n\n\n\n

Tara and I have always wanted to travel the world,<\/a> but haven’t really had the money to do so. BYU has given us those opportunities. They offer 22 vacation days a year that also include 12 paid holidays. Those vacation days carry over every year which often means we have lots of extra time left over. Not only do I get vacation days, BYU sends me on work trips that I can bring the family along for. Our trips have included Italy, Disneyworld and an upcoming trip to Cancun. \ud83d\ude42<\/p>\n\n\n\n

\"Rome\"
Italy!<\/figcaption><\/figure><\/div>\n\n\n\n

How I view “jobs” now<\/h2>\n\n\n\n

My job here has been a huge blessing in our lives in a lot of different areas. It really has laid the foundation for us to grow in so many different aspects of our lives, not just financially. Having said that, I still realize that long-term I don’t want to have a “job”. Working at BYU may be the best case scenario for me, but I still want to have financial freedom one day and the ability to say: “I don’t have to rely on this job”. <\/p>\n\n\n\n

Our long-term goal is still the same: we want to be financial independent. My job here at BYU has been the biggest catalyst in us getting closer to that goal and we are super grateful for that! It has been really nice being able to reflect on my 3 year work anniversary and all the things that have changed! <\/p>\n","protected":false},"excerpt":{"rendered":"

Yesterday, January 9th 2020, marked 3 years that I have worked at BYU. It’s hard to believe that time has flown by this fast. A lot of things have changed …<\/p>\n","protected":false},"author":1,"featured_media":1745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[48,3,10,2],"tags":[],"class_list":["post-1741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-getting-out-of-debt","category-investing","category-rumsey"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/trevorrumsey.com\/thefundfamily\/wp-content\/uploads\/2020\/01\/3-Year-Work-Anniversary.png?fit=940%2C788&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9yM2e-s5","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/posts\/1741","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/comments?post=1741"}],"version-history":[{"count":5,"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/posts\/1741\/revisions"}],"predecessor-version":[{"id":1749,"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/posts\/1741\/revisions\/1749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/media\/1745"}],"wp:attachment":[{"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/media?parent=1741"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/categories?post=1741"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trevorrumsey.com\/thefundfamily\/wp-json\/wp\/v2\/tags?post=1741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}