Finance

Really Hard Goal: $5 Million By 65

This is going to be really hard and take a ton of work! Make it enjoyable work.

2025: This Will Be Hard

1. Reduce Spending to $5k/month
2. Stabilize 2h/day Sophos

2026: This Will Be Hard

1. Housemate (all rental income into emergency fund, then new house fund)
2. Earn next level at Sophos FinOps

2027: This Will Be Hard

1. Pursue Speaking Opps
2. Reporting Services for ppl like Dr Girnita, soft-automated

Financial Goals: $100K Emergency Fund. $3K/month for 2026-2028. Then, buy houses. Be a good landlord. This is hard, but worth it.

Emergency LOC

• Interest rates for LOCs are almost always variable and vary widely from one lender to another.
• LOCs do not provide the same regulatory protection as credit cards. Penalties for late payments and going over the LOC limit can be severe.
• An open LOC can invite overspending, leading to an inability to make payments.