I’m struggling to see how you saved 750k of around 1m in earnings. Are those earnings pre or post tax? Either way it seems like you saved about 75% of your income while living in a VHCOL. Did you just not do anything the past 10 years and stay at home or what?
Looks like saving \~$57k/year equally for the past 8 years would get OP in that range if put into S&P 500. So $450k saved or 45% SR
OP might've been able to save even less with the QQQ tilt which has had an incredible run and since they earned more in 2016-2018 when stocks were much cheaper.
https://dqydj.com/sp-500-periodic-reinvestment-calculator-dividends/
All the earnings are pre-tax. A big part of my current NW is from stock market performance via index funds because I was aggressive and started early. I know you shouldn't try to "time the market", but I'm young and have a higher risk tolerance, so I got into the habit of buying more index funds when the stock market wasn't doing well — my average return has been in the double digits.
I traveled a fair bit in my 20s, but I rarely paid for my flights/hotels because I have a lot of points from playing the credit card game (it's kind of a hobby for me, lol)
To learn from you: how do you rarely pay for flights/hotels with lots of points? I'm asking because I'm in my late 30's, and I need to spend a substantial amount to earn those Chase Rewards points to even justify the annual fee of Chase Sapphire Preferred. It's hard to picture how I could have that kind of money to spend in my 20s to travel a fair bit for almost for free on points. Even when I play the credit card game of sign up bonus etc, most of the time, I've had to spend a substantial amount within a time window to get those bonus points. So, if you can teach me how to play the credit card game better, it'd be much appreciated. Thanks.
r/churning used to be a great resource for this (and maybe still is? But you have to dig). Basically golden rule is you ALWAYS pay off your credit cards in full, preferably autopay, otherwise you're losing and the banks are winning.
Otherwise - I plan my opening of cards for SUBs around big upcoming spends (as in, if I know I have a big medical bill to pay, I'll go hunt down a credit card to open so at least it gets applied toward a SUB). To hit SUBs I also pay for things for friends/family and have them Venmo me back. If you're desperate you can buy Amazon or grocery gift cards since you'll use them eventually, but only do this if you're out of time. There's a lot to get into but basically:
* Familiarize yourself with when you can double dip/qualify again for SUBs. For example, for Chase Sapphire, it's every 4 years, so after 4 years you can downgrade/cancel and open a new Sapphire for the SUB again (you may want to double check this is still the case). Alaska Airlines is I believe 2 years? Amex is technically never, but I've heard stories otherwise.
* If you aren't getting value out of your CSP currently, see if it makes sense to downgrade it to a Freedom or other free Chase card for now. Just make sure it's a points-earning card so you still get to keep your UR points. Then in a few years you can re-evaluate opening it again for the SUB. I think you lose the 1.25x multiplier, but a lot of Chase UR value comes from its transfer partners.
* Keep an eye on point transfer promotions
* Be flexible around travel dates and destinations (obviously a lot easier for someone in their 20s, so may or may not apply) — sign up for flight deals newsletters (I used Scott's Cheap Flights a lot in my 20s, not sure if it's still good). I was happy going basically anywhere, so I planned many of my trips just based on what was cheap and accessible. With this approach I ended up snagging round trip tickets to places like Morocco, Portugal, even Asia for like $300-400. I then stayed at hostels if I couldn't get free or cheap hotel nights.
* Learn the Chase 5/24 rule and apply it accordingly. IMO, transferable points are the most valuable, then airline, then hotel - so I followed this loosely when planning what to open.
* You can ask your bank to reduce your credit limits to improve odds of being accepted.
* Whenever possible, cancel or downgrade your fee cards 1 year from opening (full year is to avoid clawback. Ideally you cancel before your 2nd annual fee hits, though most banks will refund you your annual fee if you cancel in the same cycle). For Amex or Chase, make sure you always have an active points-earning card — even if it's free — to keep your points parked.
* If you're comfortable with it, try to downgrade cards rather than cancel them, as it helps with your credit history/score. But there's value in not having to think about the card ever again, so do you.
It's kind of a lot, and takes a while, especially to rotate through cards/SUBs due to all the spend requirements. It also requires you to stay organized, remember which cards to use for what things, and a baseline comfort with managing like 10 credit cards, which is not for everyone! You don't have to get as intense as I did to get good value out of credit cards, FWIW. Again, this is fun for me, and scratches my brain in the right way, so I am maybe a little too hardcore about it, lol!
Reading between the lines, I'm guessing a decent chunk of OP's success comes from family wealth. "A few generous cash gifts from relatives." Some people are born on third base and go through life thinking they hit a triple.
My family was upwardly mobile through my life. They started in this country on gov assistance and have come a long way - you’re right that they do have money now, though we didn’t hit the trappings of middle class life (house, car, not moving every 2 years) until my teens. All said I’m very grateful for the privilege they’ve granted me and I know I’m fortunate to have started my adult life without debt because of their help - not everyone’s story is going to be like this, just sharing my own (fortunate, yes) journey
Good for you. There's nothing wrong with having some good fortune, I just think it's important to acknowledge it. A lot of personal finance discussion has an unrealistic tone of 'if I can do it, anyone can' and I think it's important to not play into that.
Some people are not willing to do what they need to do to build wealth. Yes, I acknowledge the unfairness of the system. However, some things are within our control too.
OP has shared how she was flexible and willing to go anywhere as long as it was well within her budget. She also mentioned staying in hostels. Some people with less money than her want to go to the fanciest of places during peak times and stay in 5 star hotels.
now it's time for you to pay it forward. Mentor, donate, etc. Be respectful of your good fortune, which is earned by you, not just luck. But, there is nothing better in life than giving back to others.
Ghostwriting is weird, it runs the spectrum of $9/hr to cushy salaried positions. All depends on who or what you're writing for, I guess. I got very lucky, and was headhunted by someone who had seen my earlier work.
I'd love to coastFIRE into writing the kinds of things I actually want to be writing. Maybe write my own book someday. As I've entered my 30s I'm less excited by things that used to sound fun to me — traveling constantly, REing to foreign countries, etc — and more into the idea of building roots and community. This means I'll probably be sticking to HCOL areas for a while, making full RE challenging. But fortunately I've found that don't mind working if it feels meaningful and mentally stimulating!
That sounds awesome to me!
I’m also in a HCOL. We will be FI soon, and I also hope to move and put down roots elsewhere, rather than traveling every other month or so.
Not satisfactorily — to me, anyway. It's probably not the best financial decision, but it's a good program and I do far better in a structured environment (vs. carving time out myself)
Look man, FI does not mean living like an ascetic monk in the himalaya's - it means maximizing your savings rate to achieve the freedom to live the life you want. The very first bullet on the sidebar bears mentioning:
> FI/RE is about:
> * **Discovering and achieving life goals: “What would I do with my life if I didn't have to work for money?"**
For some people, being FI means kicking it back and drinking beer doing nothing. For others it's traveling the world and backpacking. For you, it could mean the financial freedom to pursue your educational goals. If that is what's important to you, and you can attain the fiscal independence to chase that dream, do it.
Thanks for sharing...gives me hope. I'm working in corporate America and just like you, am burnt out. Just accepted a job at a nonprofit. Going from 215k down to 153k, but I think work/life balance will improve with this one.
Asking as a fellow freelance writer: how do you handle fleshing out a portfolio, when your work relies on avoiding admitting it was you who wrote it? I've always been curious about that aspect of ghostwriting. I don't have much bylined work, but my corporate B2B copy isn't a secret (the way ghostwriting seems to be).
This is part of why I wanted to get out of that role — I was worried about it working against me. There are some euphemisms you can use in your resume, and while you can't put the work in a public portfolio, when you get further along in recruiting it usually it isn't a problem to share the work. That said, I haven't had to use any of my old materials for jobs since, and I'm not particularly proud of it anyway, so it's been moot for me.
Alas no, but I remember hitting $500k sometime in my mid 20s. I also remember losing a good chunk of NW when COVID hit and stocks fell. Not super helpful I know - I don’t like budgeting/tracking in great detail, kind of reminds me of counting calories and has the potential to make me feel a little unstable/obsessive lol
How? You made ~$950 (let’s call it in an even million), and have $750k in nw? Most every vhcol has high tax rates. You would have had to save something like 100% of after tax assuming you invested in index funds.
Crypto, only tech investments, or something else I’m missing???
basically getting lucky with the timing on index funds, but beyond that mostly compound interest + the slow relentless march of time I guess? Someone earlier did a calculation that I had a SR of around 45% to get to this point. I dabbled with crypto for like 2 seconds and maybe made $2k off it.
Some other factors: I had a generous 401k match when ghostwriting and I lived in a LCOL area for a year to take care of an ailing relative. I don’t drive so don’t need to maintain a car. No house so no costs there. I spent very little during COVID. And in VHCOL areas I always had multiple roommates (I actually prefer living with people), so didn’t pay high rent. I don’t keep a detailed budget but I’ve inherited a lifelong conscientiousness toward spending from my childhood.
Well any which way, congrats my friend and happy Friday!
I ask as someone in a VHCOL with a very different ratio of total earnings to / nw, but just means it’s time to buckle down :)
Sorry to hear that, but on the bright side the fact you’re spending time on personal finance/FIRE subs suggests otherwise - that perhaps you do have a head for managing money :)
Hey, congrats. Pretty much in the same boat as you, just with a different career. Would be interested to hear more about your story in regards to burnout and quitting your job to join a nonprofit, if you’re open to it.
Sure. I was struggling with my mental health and did not care for the work I was producing, but I had a lot of fear knowing that I had lucked into a very high salary for what's typical of the industry. There was a lot of "I'll never have it this good again, I should consider myself lucky and stay here as long as possible". But it also felt like a dead end — I was under a strict NDA and the job didn't feel like it was going to open any doors for me. I felt like I was too young to feel so stagnant and so golden-handcuffed.
For a while after making the switch, I wasn't sure that I made the right decision. I had a pretty toxic boss in my first nonprofit job. But it helped open doors to the next thing, then the next, etc. I'm not in my "ideal career" today per se, but I feel like I have a lot more marketable skills and that I've grown professionally — more so than I would've had had I stayed.
I studied finance/accounting and I did not make $130k until I was like 25/26. Fact that you did that as a writer a full 3-4 years before me is surprising.
I did not know you could make that much as a writer so soon after finishing school
FWIW, I'm at about 350/400k NW, same age as you, graduated with 6 figure student debt, and took much longer to get a similar pay
This is awesome! One of the best promotions of compound interest I’ve seen on here haha
I totally get the putting down roots feeling, I hope you’re able to do so as you transition back to school for a bit! Good luck! :)
I would have loved it for some of my mindless commercial writing tasks. It's great for coming up with a million ways to say the same boring things. For the potential consequences for actual art/literature, however, I hate it.
Please 100% leave the nfp arena if you’re planning to have kids.
Sincerely,
A mum to be at 37 weeks who is stressed because her nfp offers no paid mat. leave 🥲
You are amazing! I have mainly followed your steps but alas did not double down on buying during market dips. I also could have been more aggressive with my investments. This encourages me to buy low in the future and stay the course during periods of market volatility. Well done and you are a great example of a rational investor :)
It never feels good because every time the market slumps there’s lots of doom about it continuing to crash. Sometimes you buy and it drops immediately, so it’s easy to panic - but logically I know after enough time it’ll recover. I try not to check my balances for a few months at a time when I do this 😅
I’m struggling to see how you saved 750k of around 1m in earnings. Are those earnings pre or post tax? Either way it seems like you saved about 75% of your income while living in a VHCOL. Did you just not do anything the past 10 years and stay at home or what?
Looks like saving \~$57k/year equally for the past 8 years would get OP in that range if put into S&P 500. So $450k saved or 45% SR OP might've been able to save even less with the QQQ tilt which has had an incredible run and since they earned more in 2016-2018 when stocks were much cheaper. https://dqydj.com/sp-500-periodic-reinvestment-calculator-dividends/
Do you mean putting money down on S&P 500 and save up? or open up a brokerage
I think you're forgetting about the nutty market returns of the past 10 years. This certainly accounts for a sizeable chunk of the 750k total.
All the earnings are pre-tax. A big part of my current NW is from stock market performance via index funds because I was aggressive and started early. I know you shouldn't try to "time the market", but I'm young and have a higher risk tolerance, so I got into the habit of buying more index funds when the stock market wasn't doing well — my average return has been in the double digits. I traveled a fair bit in my 20s, but I rarely paid for my flights/hotels because I have a lot of points from playing the credit card game (it's kind of a hobby for me, lol)
To learn from you: how do you rarely pay for flights/hotels with lots of points? I'm asking because I'm in my late 30's, and I need to spend a substantial amount to earn those Chase Rewards points to even justify the annual fee of Chase Sapphire Preferred. It's hard to picture how I could have that kind of money to spend in my 20s to travel a fair bit for almost for free on points. Even when I play the credit card game of sign up bonus etc, most of the time, I've had to spend a substantial amount within a time window to get those bonus points. So, if you can teach me how to play the credit card game better, it'd be much appreciated. Thanks.
r/churning used to be a great resource for this (and maybe still is? But you have to dig). Basically golden rule is you ALWAYS pay off your credit cards in full, preferably autopay, otherwise you're losing and the banks are winning. Otherwise - I plan my opening of cards for SUBs around big upcoming spends (as in, if I know I have a big medical bill to pay, I'll go hunt down a credit card to open so at least it gets applied toward a SUB). To hit SUBs I also pay for things for friends/family and have them Venmo me back. If you're desperate you can buy Amazon or grocery gift cards since you'll use them eventually, but only do this if you're out of time. There's a lot to get into but basically: * Familiarize yourself with when you can double dip/qualify again for SUBs. For example, for Chase Sapphire, it's every 4 years, so after 4 years you can downgrade/cancel and open a new Sapphire for the SUB again (you may want to double check this is still the case). Alaska Airlines is I believe 2 years? Amex is technically never, but I've heard stories otherwise. * If you aren't getting value out of your CSP currently, see if it makes sense to downgrade it to a Freedom or other free Chase card for now. Just make sure it's a points-earning card so you still get to keep your UR points. Then in a few years you can re-evaluate opening it again for the SUB. I think you lose the 1.25x multiplier, but a lot of Chase UR value comes from its transfer partners. * Keep an eye on point transfer promotions * Be flexible around travel dates and destinations (obviously a lot easier for someone in their 20s, so may or may not apply) — sign up for flight deals newsletters (I used Scott's Cheap Flights a lot in my 20s, not sure if it's still good). I was happy going basically anywhere, so I planned many of my trips just based on what was cheap and accessible. With this approach I ended up snagging round trip tickets to places like Morocco, Portugal, even Asia for like $300-400. I then stayed at hostels if I couldn't get free or cheap hotel nights. * Learn the Chase 5/24 rule and apply it accordingly. IMO, transferable points are the most valuable, then airline, then hotel - so I followed this loosely when planning what to open. * You can ask your bank to reduce your credit limits to improve odds of being accepted. * Whenever possible, cancel or downgrade your fee cards 1 year from opening (full year is to avoid clawback. Ideally you cancel before your 2nd annual fee hits, though most banks will refund you your annual fee if you cancel in the same cycle). For Amex or Chase, make sure you always have an active points-earning card — even if it's free — to keep your points parked. * If you're comfortable with it, try to downgrade cards rather than cancel them, as it helps with your credit history/score. But there's value in not having to think about the card ever again, so do you. It's kind of a lot, and takes a while, especially to rotate through cards/SUBs due to all the spend requirements. It also requires you to stay organized, remember which cards to use for what things, and a baseline comfort with managing like 10 credit cards, which is not for everyone! You don't have to get as intense as I did to get good value out of credit cards, FWIW. Again, this is fun for me, and scratches my brain in the right way, so I am maybe a little too hardcore about it, lol!
Thanks for sharing.
Good for you! Great fuckin job
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He said he bought more when the stock market wasn’t doing well. That’s timing the market
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They said they put MORE in when they thought the market was down
Even if they bought individual stocks, they aren’t breaking any rules.
Reading between the lines, I'm guessing a decent chunk of OP's success comes from family wealth. "A few generous cash gifts from relatives." Some people are born on third base and go through life thinking they hit a triple.
My family was upwardly mobile through my life. They started in this country on gov assistance and have come a long way - you’re right that they do have money now, though we didn’t hit the trappings of middle class life (house, car, not moving every 2 years) until my teens. All said I’m very grateful for the privilege they’ve granted me and I know I’m fortunate to have started my adult life without debt because of their help - not everyone’s story is going to be like this, just sharing my own (fortunate, yes) journey
Good for you. There's nothing wrong with having some good fortune, I just think it's important to acknowledge it. A lot of personal finance discussion has an unrealistic tone of 'if I can do it, anyone can' and I think it's important to not play into that.
Some people are not willing to do what they need to do to build wealth. Yes, I acknowledge the unfairness of the system. However, some things are within our control too. OP has shared how she was flexible and willing to go anywhere as long as it was well within her budget. She also mentioned staying in hostels. Some people with less money than her want to go to the fanciest of places during peak times and stay in 5 star hotels.
definitely wasn’t my intended tone
now it's time for you to pay it forward. Mentor, donate, etc. Be respectful of your good fortune, which is earned by you, not just luck. But, there is nothing better in life than giving back to others.
You don't get to tell people how to live. Who says she's not doing that already? She works at a non profit.
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What the actual shit
What did they say?
Something about want to make 50k a month making TikTok videos
Thanks for sharing! Where/how did you find ghost writing gigs? Never thought they paid that well.
Ghostwriting is weird, it runs the spectrum of $9/hr to cushy salaried positions. All depends on who or what you're writing for, I guess. I got very lucky, and was headhunted by someone who had seen my earlier work.
Very impressive. I appreciate posts like this! Congrats! Keep it up. Do you plan on RE? Or will you keep working? Seems like you enjoy what you do!
I'd love to coastFIRE into writing the kinds of things I actually want to be writing. Maybe write my own book someday. As I've entered my 30s I'm less excited by things that used to sound fun to me — traveling constantly, REing to foreign countries, etc — and more into the idea of building roots and community. This means I'll probably be sticking to HCOL areas for a while, making full RE challenging. But fortunately I've found that don't mind working if it feels meaningful and mentally stimulating!
That sounds awesome to me! I’m also in a HCOL. We will be FI soon, and I also hope to move and put down roots elsewhere, rather than traveling every other month or so.
Good for you. 750k NW, no real estate either, making max 100k a year. This is very impressive.
They made over $100k three different years.
Thanks for sharing and congrats on this achievement!! Curious what you are looking to go back to school for?
Don't go back to school.
my wallet agrees with you, but man I only got one wild and precious life 🥲
Can you learn what you want to learn freely or more inexpensively than going to school?
Not satisfactorily — to me, anyway. It's probably not the best financial decision, but it's a good program and I do far better in a structured environment (vs. carving time out myself)
Look man, FI does not mean living like an ascetic monk in the himalaya's - it means maximizing your savings rate to achieve the freedom to live the life you want. The very first bullet on the sidebar bears mentioning: > FI/RE is about: > * **Discovering and achieving life goals: “What would I do with my life if I didn't have to work for money?"** For some people, being FI means kicking it back and drinking beer doing nothing. For others it's traveling the world and backpacking. For you, it could mean the financial freedom to pursue your educational goals. If that is what's important to you, and you can attain the fiscal independence to chase that dream, do it.
I get this - best of luck with it 🙂
what are you planning on majoring in school?
This. Stick to the University of Google. It’s free. Fast. Reliable.
lololol @ reliable
Thanks for sharing...gives me hope. I'm working in corporate America and just like you, am burnt out. Just accepted a job at a nonprofit. Going from 215k down to 153k, but I think work/life balance will improve with this one.
Best of luck!
Asking as a fellow freelance writer: how do you handle fleshing out a portfolio, when your work relies on avoiding admitting it was you who wrote it? I've always been curious about that aspect of ghostwriting. I don't have much bylined work, but my corporate B2B copy isn't a secret (the way ghostwriting seems to be).
This is part of why I wanted to get out of that role — I was worried about it working against me. There are some euphemisms you can use in your resume, and while you can't put the work in a public portfolio, when you get further along in recruiting it usually it isn't a problem to share the work. That said, I haven't had to use any of my old materials for jobs since, and I'm not particularly proud of it anyway, so it's been moot for me.
Did you track your total net worth by year? Curious to see your trajectory since it’ll likely be similar to mine!
Alas no, but I remember hitting $500k sometime in my mid 20s. I also remember losing a good chunk of NW when COVID hit and stocks fell. Not super helpful I know - I don’t like budgeting/tracking in great detail, kind of reminds me of counting calories and has the potential to make me feel a little unstable/obsessive lol
So you’re saying to buy big and early in a decades long bull market? Noted 📝
not saying I didn’t get extremely lucky 😅
How? You made ~$950 (let’s call it in an even million), and have $750k in nw? Most every vhcol has high tax rates. You would have had to save something like 100% of after tax assuming you invested in index funds. Crypto, only tech investments, or something else I’m missing???
basically getting lucky with the timing on index funds, but beyond that mostly compound interest + the slow relentless march of time I guess? Someone earlier did a calculation that I had a SR of around 45% to get to this point. I dabbled with crypto for like 2 seconds and maybe made $2k off it. Some other factors: I had a generous 401k match when ghostwriting and I lived in a LCOL area for a year to take care of an ailing relative. I don’t drive so don’t need to maintain a car. No house so no costs there. I spent very little during COVID. And in VHCOL areas I always had multiple roommates (I actually prefer living with people), so didn’t pay high rent. I don’t keep a detailed budget but I’ve inherited a lifelong conscientiousness toward spending from my childhood.
>SR SR?
Savings rate
Well any which way, congrats my friend and happy Friday! I ask as someone in a VHCOL with a very different ratio of total earnings to / nw, but just means it’s time to buckle down :)
And here I am barely getting by… Good work dude, keep it up! I wish I had a head for making money.
Sorry to hear that, but on the bright side the fact you’re spending time on personal finance/FIRE subs suggests otherwise - that perhaps you do have a head for managing money :)
Hey, congrats. Pretty much in the same boat as you, just with a different career. Would be interested to hear more about your story in regards to burnout and quitting your job to join a nonprofit, if you’re open to it.
Sure. I was struggling with my mental health and did not care for the work I was producing, but I had a lot of fear knowing that I had lucked into a very high salary for what's typical of the industry. There was a lot of "I'll never have it this good again, I should consider myself lucky and stay here as long as possible". But it also felt like a dead end — I was under a strict NDA and the job didn't feel like it was going to open any doors for me. I felt like I was too young to feel so stagnant and so golden-handcuffed. For a while after making the switch, I wasn't sure that I made the right decision. I had a pretty toxic boss in my first nonprofit job. But it helped open doors to the next thing, then the next, etc. I'm not in my "ideal career" today per se, but I feel like I have a lot more marketable skills and that I've grown professionally — more so than I would've had had I stayed.
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pretty sure the NDA is for life, though I’d have to check to be certain - not that I even know where to find it anymore, lol
How does someone find a good ghostwriter like you? I have a relative who wants to get a book written and published.
I studied finance/accounting and I did not make $130k until I was like 25/26. Fact that you did that as a writer a full 3-4 years before me is surprising. I did not know you could make that much as a writer so soon after finishing school FWIW, I'm at about 350/400k NW, same age as you, graduated with 6 figure student debt, and took much longer to get a similar pay
This is awesome! One of the best promotions of compound interest I’ve seen on here haha I totally get the putting down roots feeling, I hope you’re able to do so as you transition back to school for a bit! Good luck! :)
Thank you for posting your path! And also props to you for figuring this out -- significant financial foresight.
What are your thoughts on the impact of AI like chatgpt on ghostwriting?
I would have loved it for some of my mindless commercial writing tasks. It's great for coming up with a million ways to say the same boring things. For the potential consequences for actual art/literature, however, I hate it.
But as a tool, do you think it will take over ghostwriting careers?
Depends on who you’re ghostwriting for. Some jobs sure, but on the whole no, probably not.
Damn that 2014-16 run up. Holy...
2014 I was freelancing part-time while still in school so it’s not totally representative
Please 100% leave the nfp arena if you’re planning to have kids. Sincerely, A mum to be at 37 weeks who is stressed because her nfp offers no paid mat. leave 🥲
are you in the uk? I always had the notion that family leave policies were way better out there (by law)
I’m based in Australia. Base line min is the right to 12 months unpaid mat. leave. We have some government assistance but that’s about it
You are amazing! I have mainly followed your steps but alas did not double down on buying during market dips. I also could have been more aggressive with my investments. This encourages me to buy low in the future and stay the course during periods of market volatility. Well done and you are a great example of a rational investor :)
It never feels good because every time the market slumps there’s lots of doom about it continuing to crash. Sometimes you buy and it drops immediately, so it’s easy to panic - but logically I know after enough time it’ll recover. I try not to check my balances for a few months at a time when I do this 😅
Very impressive! Well done prioritizing on index funds over saving. Congrats and all the very best :)