Introduction

I’m taking back doing all my plans written in the earlier posts of the year.

Personal Finance

I’m starting to dread work so much I’m back to hyper optimizing investing. I also figured out how ESPP withdrawal and calendar works now. My particular ESPP calendar is from September to September.

1. From the end of August to the end of February I’m going to auto invest into taxable brokerage + max out ESPP via payroll
2. From March to the end of August I’m going to max out the Traditional 401k and In Plan Conversion Roth
3. Maxing out Roth IRA on January 1st and HSA on March 15th
4. ESPP will only be cashed out at the end of February. I will reinvest all of it and try to use RSUs to pay for my general expenses for the rest of the year

Clothing

I think I’m going to wait until I get all my clothing from Korea and just wear them until I feel like I know what I need or want to eventually wear. I still think I like wearing sport coat and separate trousers but I’ll probably wear suits in my rotation most of the time along with a coat with just a shirt underneath.

Tea

I want to actually increase my budget on tea and try out a bunch of oolong teas. I think I’m starting to favor roasted oolong teas over black teas but they tend to be more expensive. There are also different roast levels for the same tea which might be cool to explore. I still have a good amount of tea left so I’ll probably buy more in December or maybe next year. The Tea Wanderer is still my main vendor for oolong teas.