Simple Living

When Retirement Savings Finally Got Real I didn’t get serious about retirement savings until just a few years ago. For most of my working life, I was contributing about 8% of my income into my 401(k). Not bad, but not nearly as powerful as what I’m doing now. As of last year, I finally committed to maxing out my contributions. That change has put my retirement trajectory on a whole new path. The Power of Compounding Using a 7% annual market growth assumption, here’s how things look: 11 years from now: around $1 million total balance. 15 years from now: about $1.4 million. 20 years from now: it leaps to $2.6 million. 25 years from now: crossing $4 million. Full retirement age (late 60s): close to $5.8 million. Compounding is slow and steady in the beginning, then suddenly exponential. Seeing the numbers stack up has been motivating. The Catch I can’t withdraw from my 401(k) without penalties until 59½. That means even if I wanted to step away earlier, I’d have to keep working unti...

Tasting Notes: 2022 Austin Hope Paso Robles Cabernet Recently, I opened a bottle of the 2022 Austin Hope Cabernet Sauvignon from Paso Robles, and it was a real treat. At $52, it isn’t exactly an everyday sipper, but after tasting it, I’d say it’s worth the splurge. First Impressions This Cabernet is fruit-forward in a way that California reds are known for. The first sip bursts with ripe cherries, offering that lush, almost jammy flavor profile that immediately pulls you in. Balance & Structure What stood out was how smooth and approachable it felt: No sour edges No harsh dryness No sharp acidity or overwhelming tannins Instead, it leans toward a softer, more polished structure. That might not be every Cab drinker’s preference, but for those who like their reds silky and easy-drinking, this one delivers. Texture & Comparison One interesting aspect for me was its slightly syrupy texture. Not overpowering, but enough to give the wine a rich mouthfeel. It actually reminded me a...

Eighteen Squares Cabernet Sauvignon – Trader Joe’s $24.99 First Impressions This Cabernet had a fruit-forward nose with promise, but the palate came off rough around the edges even after 30 minutes of breathing. It carries a heavy mouthfeel and notes of strawberry, cherries and stone fruit, though the tannins stay bold. In many ways it reminds me of Cruz Alta’s Malbec. With Food Paired with a cheese and fruit platter, the wine softened and showed better balance. It’s clear this is a bottle meant to be served with food rather than sipped on its own. Final Take For $24.99, it drank more like a $15 wine. While not a bad bottle, I’d be more inclined to spend a little more for something like the Caymus 1858 Paso Robles at $35, which offers a smoother and more polished experience.

2025 Job Market: From Tough to Terrifying I was reading a Business Insider article about the decline in tech jobs and realized something unsettling: even though it was difficult to land a job in 2021, that was during a tech hiring boom. Opportunities were opening everywhere, startups were raising record funding, and companies were desperate for talent. So if I was struggling in the midst of boom times… what does that say about now? Fast forward to 2025, and the landscape feels absolutely terrifying. Layoffs are constant, hiring freezes drag on, and entry-level opportunities have practically evaporated. The optimism that once surrounded tech careers has been replaced with uncertainty and fear. In 2021, the job search felt like running uphill. In 2025, it feels like climbing a cliff with the ground crumbling beneath you.

Why the iPhone Air Might Be My Next Upgrade I’ve been getting by with an aging Samsung A32 as my work phone, but the time has finally come to retire it. My main device right now is the iPhone 16, and my plan is simple: upgrade to Apple’s upcoming iPhone Air as my personal phone, then shift the 16 over to work duty. What excites me most about the rumored iPhone Air is how Apple might position it—lighter and thinner than the regular iPhone 17, but still carrying key features like the 120 Hz ProMotion display. A smoother, more fluid screen makes everything—scrolling, gaming, or just daily use—feel noticeably better. If Apple also manages to keep the design sleek while boosting display size slightly, that would be the perfect balance. The iPhone Air could represent Apple’s sweet spot: more advanced than the base model, but not as expensive or heavy as the Pro. For someone like me who wants performance, comfort, and practicality all in one, it might just be the most compelling iPhone u...

My First Impressions of the AirPods (4th Gen) I recently received a gift that I truly appreciate — a pair of AirPods (4th generation). Normally, these retail for around $99 for the base non-Active Noise Cancelling (ANC), so getting them for free was a pleasant surprise. Compared to my AirPods (2nd gen), these are a noticeable upgrade. They share the sleek form factor of the AirPods Pro (1st gen) but without the soft silicone ear tips. This makes them comfortable for quick listening sessions while still offering a secure fit. The seamless integration with my iPhone is classic Apple — instant pairing, smooth switching between devices, and that familiar “just works” feeling. I’ve found myself reaching for these far more often than my Powerbeats or JBLs.

$2,000 Control Arm Replacement on My 2016 Highlander — Worth It? Yes, absolutely. Just replaced the front control arms on my 2016 Toyota Highlander — a suspension repair that set me back $2,000 at the dealership, including a required wheel alignment . Sure, it’s a hefty repair bill. But I’m not complaining. Why I Did It At 9 years old, it’s a little early for this kind of work, but not unreasonable. Parts like control arms naturally wear down over time, especially with daily use. I chose OEM parts and went with dealer service to ensure long-term reliability—because I plan to keep this SUV around for the long haul. Next on the list: replacing the struts and shocks . That’ll likely run another $2,000–$3,000, depending on whether I go with factory-spec KYB or upgrade to Bilstein B6 for better ride quality and control . The Bigger Picture All in, I’m budgeting about $1,000 per year in maintenance over the next decade to keep this vehicle running stro...

Spending More, Experiencing Less As 2026 approaches, I’m increasingly aware of how expensive everyday life has become. Whether it’s goods, services, or simple outings, it now takes significantly more money to have the same quality experience I once took for granted. Naturally, this has led to a kind of personal rationing. I’ve reduced the frequency of some experiences—not necessarily because I want to, but because the cost-to-value ratio no longer adds up. Taking Better Care of What I Already Own One area where this is especially clear is car ownership. With the high price of new vehicles, I’ve found it more practical to invest in repairs and upkeep for my current cars rather than replace them. It’s made me more attentive to maintenance and proactive care—stretching their usefulness as long as possible. Home-Cooked Meals Over Dining Out Dining out used to be a regular treat, but now it often feels like paying more for less. Food quality in many restaurants has declined, even as prices ...

Johnnie Walker Green Label Review: A Pleasant Surprise from a Familiar Name After years of drinking Johnnie Walker Red and Black Label, I finally decided to give Green Label a try—and I’m really glad I did. Red Label was my introduction to Scotch : bold, affordable, and unmistakably harsh. Over time, Black Label became my go-to for something smoother, with just enough peat and smoke to keep it interesting. I drank both for years, depending on the mood and occasion. But Green Label feels like a natural step forward. At first sip, it carries a touch of that familiar Red warmth—but it quickly evolves into something richer, smoother, and far more layered. The mouthfeel is round and satisfying, and it instantly reminded me of some of my favorite single malts — Talisker and Caol Ila , both of which are part of the blend. What makes Green Label stand out is that it’s a 15-year-old blended malt, meaning it’s made entirely from single malts—no grain whisky like in Red or Black. That ...

Took the weekend to visit Houston .  Was more to enjoy a nice drive on I-40 and eat at a few places in H-town .  Enjoyed some Cuban food at Cafe Piquet and I’m liking the Ropa Vieja (shredded beef). Stopped both ways at Madisonville Buc-ees .  Overall, a simple, short and fun getaway.  Also found a really nice shoulder bag at Buc-ees that reminds me of the Lululemon version .