About Me/Contact

Email: WorkToNotWork (at) gmail.com
Facebook: https://www.facebook.com/WorkToNotWork
Twitter: https://twitter.com/WorkToNotWork
G+: https://plus.google.com/+ZeeWorkToNotWork/posts

Thanks for stopping by and welcome to Work To Not Work. My name is Zee, I'm a 31 32 year old software engineer who lives in San Francisco. I make an above average salary, but probably not above average for my industry. I own my house, but I have 2 roommates to help me pay my mortgage. I don't live a lavish lifestyle (I prefer to save), but I do have a lot of comforts around the house so I still enjoy things when I can.

I have artistic tendencies but I don't consider myself an artist. I love art, I collected art for a while. It was an extremely expensive habit (this was before I really discovered personal finance blogs). You'll find that many of my posts feature random art from artists that I appreciate. I found that generic stock photos were pretty boring so I figured why not throw some art in there instead. So far, many of the paintings are things that I own but at time goes on this will just be things that I like.

I don't really have any debt stories to tell you, my parents gave me the Spiderman speech when I was in high school so I was very good at avoiding debt.

In college I minored in psychology because I find it interesting to know why people do what they do, especially when it comes to money. You'll find a number of posts about behavioral finance because of this.

My investment style is pretty aggressive, I figure that since I'm still only 3132, if I screw up I am still young enough to recover. So swinging for the fences now could be a great way to get a jump start on my investments. I do check my stocks all of the time which I know most people say you shouldn't do but I like to be aware of how things are doing. Also, people say you shouldn't pick individual stocks but I do. I admire people that are dividend investors, I'm sure that one day I will switch to that style of investing, but I see quicker progress with growth stocks than dividends. But of course I recognize that there is much more risk in growth stocks too.

Update: I am starting to switch to dividend stocks slowly. I believe that we are due for a correction sometime soon and I know that I won't be able to time it so being in less volatile assets is the best solution I could come up with at the moment.

I tell people that my goals for personal finance are to retire by the age I am 45, but secretly (well I guess not so secretly anymore) my real goal is to exit the rat race by the age of 40. I think the realistic outlook is to retire by somewhere closer to 42-43, I guess I'll see as time goes on. Who knows how life will unwind.

I have a few purposes for this blog. First, it helps keep me focused on my own financial goals. My main goal at the moment is to work hard now so that I don't have to work later. And when I say work hard now, that doesn't just mean my job. I can't just work more hours and get paid more for it, it means maximizing the value of my spending and saving aggressively now. Secondly, I just like talking about personal finance, and since none of my friends seem very interested in it, so I took to the internet. Third, I wish that I found personal finance blogs sooner. They have changed my life and I want to help other people learn some of the things that I have learned over the years. Lastly, I hope that I can learn from people that comment on my posts, I admit I'm still learning and I could always use fresh perspective. I also think that by writing things out I might stumble onto new things myself.

What To Expect Here

Some sites will focus on frugality tips, or informational posts or even theoretical questions on personal finance. Since my journey through personal finance wasn't completely focused on one of these areas I will probably spend some time on all of them. 

- Behavioral Finance
- Personal Experiences
- Investing
- Informational/Educational (What is Middle Class, etc.)
- Budgeting/Frugality Tips

I won't post any net worth updates here. I think that's a tough thing to calculate anyways. For example I wouldn't count my house as part of my net worth if I don't plan to sell it. To me it's like saying my dog is worth $200 but in reality I would never sell my dog so why bother calculating how much it's worth. Also it's called personal finance because it's personal. We all have different standards of living so I might need X amount to feel comfortable, but you might need Y... So what does it matter. I believe that it's about the journey and the steps you take that make it personal finance. Some advice you use, other advice you ignore, it's up to you.

If you have any questions feel free to contact me at worktonotwork(at)gmail.com or write a comment and I'll get back to you as soon as I can, or maybe it will prompt me to add different information to this page.



  1. Hi Zee,

    This may only pertain to me but I can't follow your posts by e-mail (I used to be able to) I get a message: The feed does not have subscriptions by email enabled.

    1. Ahhh!! Thank you for letting me know that wasn't working. I believe that it should be fixed and ready to rock! Thank you so much for letting me know, I'm glad you enjoy it enough to subscribe!

  2. I think this is very smart to have two roommates helping you to pay your mortgage! good luck on your journey!

    1. Well, the two roommates was out of necessity. But perhaps one day I will downsize to a place where I can comfortably afford to live by myself. I just can't see the point of having two empty bedrooms in my house.

  3. Hey, love the blog name. I hope to come back and check out a few posts soon.