So….with full understanding that this is a "good problem"….. our portfolio is such that a 100 point swing in the markets on a given day will increase (or decrease) our net worth approximately equal to an entire months worth of paychecks for us. I am getting more and more unmotivated to pull out $.25 grocery coupons, etc. with this knowledge…even though I know that these small habits is what got us in a good financial position to begin with. I am staying mustachian out of habit, but hate how unmotivated I feel at times to continue to cut our costs, or to even go to work! Today, I cleaned my house and grumbled the entire time about wanting to hire out the job. Previously, I would have been excited about the cost savings.
Anyone been in this predicament? How can I reframe this in my mind? And yes, I need to stop tracking market performance on a daily basis, but it is kind of like watching a train wreck….hard to stop!
A little bit of background:
I am 38, DH is 36. We have two kids 10 and 12. We have no debt, minus a $120,000 mortgage…which we're working to get rid of. Net worth right now is about $1.3M. We do plan to FIRE in the next 10 years, but it is a bit tricky as one of our sons is severely disabled, so we need to insure that we have enough to take care of him as well.