Disney and Guilt

Two words I have never put together before.

For some reason I am having guilt while booking the trip to Disney this time, and the sad thing is, this should be the first time that I have absolutely no guilt booking Disney!!!! This is the first time, ever, that I have the money, not putting it on a credit card, and I'm taking my lovely wife. But when I start looking at how much money it is, I feel guilty. I attribute this to my lovely wife!!! She has changed me forever!!!

I have to remember that we aren't only working now to retire, we are working so we can have fun as well. Some of this fun will be a trip to Disney. A trip that I will more than likely never forget. I can't wait to watch Wishes with Susan. Its been something I have looked forward to ever since I met her. So why the guilt?

I read a number the other day, and this is not helping. The number was 24....for every dollar that you spend today, if you were to invest that dollar and let it sit there for 40 years, at an average of 8% interest, that same dollar would then be worth 24 dollars. That number can play with your head if you let it. So we are looking at spending somewhere near 4,000 to go to Disney. Mutiply that by 24 and it comes out to 96,000. So it comes down to if a trip today is worth 96,000 40 years from now. I have to say yes, but a twinge is still ringing in my stomach. I don't get it....I want to go so bad, but still......

Anyway, Disney is booked!!! I just have to look past the money and have a good time (shouldn't be that hard around September 25th when I'm trying to go to sleep before getting on a plane the next day).

So, 39 days until Disney!!! Let the countdown begin.

July Net Worth

We managed another gain in the net worth this month. It wasn't huge, but at least it was a gain!!!

Net Worth: 139,664.33 +3,357.45 +2.46%
Net Worth w/o Home: 44,664.33 -18.78%
Net Worth w/o Home or IRA: 12,391.95 -42.81%

YTD:
Net Worth: +17.98%
Net Worth w/o Home: -28.41%
Net Worth w/o Home or IRA: -52.28%

We finished paying off the house this month, hence the huge swings in the numbers without the house included considering that's where the money was stored to payoff the house. Next month should see all three numbers rising as we start sticking more and more money into the Vanguard account. We should easily be able to meet our first goal of saving 10K in the Vanguard account. After that, we will start working on the 10K FAN list which keeps getting shorter as more things break and therefore gets replaced earlier than expected.

After the 10K FAN list is done, the next goal is to reach 30K. Right after that will be to finish off the 30K FAN list, and then we get to start investing. That will be exciting!!!