LATE START EARNER

Last month, I had an unexpected cash scare: my bank sent me an email notification that I had "insufficient funds" to process a payment of about $800, and that if this was a check there may be an overdraft fee applied to my account. I was scared, especially because I had aggressively invested most of my available funds into my taxable brokerage account and if I added up all of the cash available in my liquid checking and savings accounts they totaled to less than the $800 requ

The last 6 months flew by; it's hard to imagine that we are already halfway through the year. A lot has changed since January 2021, which affect my plans for the next half of the year. Looking Back Net Worth: My overall net worth increased 33% YTD, from $389K to $513K. Investments: My investments (including retirement) increased 44% YTD, from $235K to $337K. FI Contributions: I funneled $96K YTD towards various savings and investments goals. Consolidation: I simplified my lif

Note: This update was posted in July 2021. How well did I track against my goals this month? I plan to write a post at the end of each month that tracks my health and progress towards goals. These cover the following main categories: FI (Financial Independence) Contributions Monthly Discretionary Spending Budget Monthly Flows Breakdown Self-Care Check out my annual goals for 2021 and a detailed overview of how I think about my monthly tracking in my January 2021 Monthly Snaps