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March 2017 Goals and Financial Updates

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March 2017 Goals and Financial UpdatesSpring is finally here! I’m so happy because we had such a wet and cold winter this year. The weather is warming up and we can do more activities outdoors. Last week was spring break for us and we had a great staycation. I took it easy and spent almost all my time being a stay-at-home dad. I’m ready for RB40Jr to go back to school, though. It’s exhausting to spend all day with a rambunctious little boy.

One of my goals this year was to visit a national park, but our summer is rapidly filling up. In July, we’re heading to California for Mrs. RB40’s high school reunion. In August, we’re going camping at the beach to see the total eclipse. Those are the big events, but I’m sure we’ll be busy with sports and all kind of stuff in between. I was hoping to go camping at a national park this year, but we settled for a day trip instead.

We visited the Fort Vancouver National Historic Site during spring break. Fort Vancouver was a Hudson’s Bay Company fur trading outpost that was established in 1824. The current fort is a reconstruction that carefully replicated the original community. It was great to show our kid all the olden day stuff. He has never seen or heard about these kinds of things before. RB40Jr learned about the blacksmith, carpenter, baker, surgeon, outhouse, water well, and many other things. (I had to use an outhouse when I was his age…) The Pearson Air Museum was also on the fort grounds so we enjoyed that as well. We had a great day out and checked one goal off my list, nice!

Fort Vancouver

On the financial front, things are pretty fabulous. Our active and passive incomes were doing very well and our expenses have been low in Q1.  It has been a great year so far. Okay, let’s go over my 2017 goals first and then see how we did with our cash flow in March. I’ll also comment on how we did in Q1.

2017 Goals

At the end of March, the year is 25% over. It’s still early, but we already passed the first quarter. If you’re on track or a bit behind on your goals, then keep at it. However, we really need to evaluate the goals that are really falling behind. We may need to change our approach if we want to accomplish those goals, or maybe we just need revise the goal. It’s still early and we can still catch up. It will be much more difficult to make up ground later in the year.

This is my goal scheduling spreadsheet. Things are generally pretty good. The only one that’s in trouble is the Pinterest goal. All in all, it’s not too bad for the first quarter of 2017.

March Goals

Financial Goals

  1. Save $50,000 in our tax advantaged account– We’re doing very well here and have saved $13,865 so far. This one is right on track.
  2. Dividend Income $11,500– I’ll update our passive income post next week and you can see the details there. In 2017, we received $2,658 in dividend so far. This is a bit behind. I recently added $3,000 to this account so I’m pretty sure the dividend income will meet our goal by the end of the year.
  3. FI ratio > 96% – This is passive income divide by expense. Currently, our FI ratio is at96% in 2017. That’s much better than our goal of 78%. Our expenses were low in Q1 2017 and that makes our FI ratio look really good. I don’t think we can keep this up for the whole year, but I’d be happy if we come in at 78%.
  4. Net worth gain > VFORX– Our net worth gained 4.4% so far in 2017. That’s really good for just 3 months. However, it is about 1% behind our benchmark. The VFORX (2040 fund) is up 5.4%. That’s incredible. We’re behind, but I’m not going to worry about it. We’ll see how the rest of 2017 goes. The stock market can’t keep going at this pace.
  5. Move RB40Jr’s 529 plan to Vanguard– I’ll try to get this done in April.
  6. Move Mrs.RB40’s IRAs to Vanguard – I’ll try to get this done in April as well.

Blog Goals

  1. Online income > $36,000/year– We’ve been doing incredibly well this year and made $18,393 in the Q1, 2017. We’re already half way to our goal and I’m really grateful to you, our readers. Hopefully, we can keep up this pace for the rest of 2017.  Online income can be up and down. We need to work hard now before the summer slowdown.
  2. Redesign Retire by 40– This one is a huge job and I’m not quite ready to start yet… I’ll put this off until May.
  3. Pinterest > 25,000 visits– I’m trying to grow traffic from Pinterest. We are a quite a bit behind the target at the moment. I’ll need to do something different or we’ll never accomplish this goal. I’ll do some research next month and see how we can improve.

Personal Goals

  1. Fitness– March was a pretty good month for fitness. I made it to the gym almost every weekday. I took a week off during spring break to be a stay-at-home dad. Hopefully, that won’t set me back too much. I needed a week to rest anyway. In Q1, I walked 6,650 steps per day. That’s not bad, but it’s way behind my goal of 7,000 steps per day. That’s a big deficit and I’m not sure if I can catch up. The weather is getting nicer so that should help.
  2. Start a new site – Yes! I started a new site with a focus on fitness – Fit by 40. There isn’t much traffic, but that’s okay for now. I’m using this one mostly for personal improvement.
  3. Join Toastmasters– This one is scheduled for the 2nd half of the year.
  4. RB40Jr’s after school programs– We signed RB40Jr up for Wushu (Chinese martial art) lessons. He was reluctant at first but now he talks about it all the time. He is taking 2 lessons per week for 3 months. We’ll probably cut back to just once a week when the weather improves and there are other fun things to do.

Fun Goals

  1. See the total solar eclipse– I reserved a campsite at the beach. We’re set for August.
  2. National Park– We visited Fort Vancouver over spring break. We didn’t go camping because our summer schedule didn’t have time for it.
  3. International Trip– We plan to visit Mexico in November. It should be a cheap trip because we have plenty of reward points to use on flights and accommodations.

Whew! I have too many goals this year, but we just need to keep working on them. I think we’re doing very well so far and most goals are on track. Let’s look at the two goals that are in trouble.

  • Fitness – This one is actually not too bad. My steps per day is behind my goal, but at least I exercise very consistently now. I’ll try to catch up on the steps now that the weather is nicer.
  • Pinterest – I have a confession here. I hate Pinterest. This is probably why I haven’t been able to grow our traffic there much. I’ll read up on how to do more on Pinterest in April…

Net Worth (+4.4% YTD)

I’ve been tracking our net worth since 2006 and it is very motivating to see the progress we’ve made. For 2017, I’ll make it simple and try to beat the Vanguard Target Retirement 2040 Fund, VFORX. Their current allocation is about 88% stocks and 12% bonds. I thought this was a good measuring stick and we should be able beat it. Now that we’re a quarter into 2017, I can see that it’d be really tough to beat VFORX if the stock market is doing well. We’ll try a different benchmark next year. Maybe we should use the 2030 fund instead of 2040. It should be a bit more conservative.

Our net worth increased about 4.4% so far in 2017. That’s amazing for 3 months. I doubt the stock market can keep up this pace of gain. For the rest of 2017, I’m going to be more conservative and bulk up our bond index fund. I’m very happy with our net worth gain so far this year so more bond would help steady the portfolio. We are a bit behind VFORX, but it isn’t a big deal to me.

March Net Worth

If you need help keeping track of your finances, try using Personal Capital to manage your investment accounts. We have many accounts and Personal Capital helps us see the big picture quickly. Also, I’m a huge fan of their awesome retirement calculator. You can read my review here – The Best Free Retirement Calculator.

March 2017 Cash Flow

We had another very good month financially. Our income was much higher than average and we kept our expense low. That’s a great recipe for building wealth. Let’s go over the details.

Take Home Income (target > $5,000)

Our take home income target is $5,000 and we came in above that at $9,578. Our income streams were all rolling in and we just need to keep it up.

March Cash FlowMrs. RB40’s paycheck: $5,190. Mrs. RB40 is doing well at her day job. She got a raise and she is bringing in very good income. That’s one reason why she doesn’t want to quit working full time yet. She also doesn’t want to deal with health insurance uncertainties at this point. The employer sponsored health plan is working really well for us.

Rental income: $957. Our rental income was good.

Online Income: $6,732. We had another great month with online income. This year I’m focusing on increasing our income so Mrs. RB40 can retire sooner. I’m adding more affiliate links and focusing on writing relevant articles that will be helpful to investors. Here is how we generated online income last month.

  • Banner ads: $1,918. These are the banner ads you see on Retire by 40.
  • Affiliates: $4,699. These are referral fees from affiliate links. If a reader signs up for a service through our links, then we sometimes earn a referral fee. You can see an example from the Starting a blog post below. It seems Q1 is really good for affiliate income. Maybe everyone was making New Year resolutions and they’re trying to improve their finances?
  • Brand promotion: $400. I worked with a company to promote their brand.
  • Expenses: -$284. Internet, email service, CDN, cell phone, hosting, meals, etc…

Starting a blog is a great way to build your brand and generate some extra income. Thank you for your support! 

Dividend income: $988. Dividend income was good in March. You can see our dividend portfolio here.

Interest: $16.

Crowdfunding: $85.

  • P2P lending: $85. I’m slowing getting out of P2P lending. I just don’t think they will do well when the economy turns south.
  • Realty Shares:$0. I funded my first deal at RealtyShares in January. It’s a commercial property in Arizona and the expected ROI is 17%. That’s pretty high. I hope they can deliver.
  • KickFurther: $0. I invested about $1,300 at Kickfuther. Kickfurther is similar to P2P lending, but investors lend to small businesses instead of individual borrowers. The big difference here is the money will be used to fund inventory. The investors own the inventory and we can vote to liquidate the inventory if the business can’t sell it. You can read more about them next week when I go overour passive income.

Pre-tax savings: -$4,390. I sent $3,000 to my solo 401k. Mrs. RB40 saved $1,390 in her retirement account.

Expense (target < $4,500)

Our monthly expense target was $4,500 per month and we spent just $3,558. That’s not too bad at all.

Housing: $2,289. This includes the mortgage, HOA, and property tax. Housing is a huge part of our monthly expense. We may have to move to a cheaper location to reduce this expense.

Cash Allowance: $0. We didn’t take any cash out last month. We’re almost completely out now so we’ll need to drop by the ATM this month.

Groceries: $489. This is good for a family of 3. I’m pretty happy as long as we keep it under $500.

Transportation: $88. This is gasoline and an oil change. I’d love to do our own oil change, but I can’t work on the car at my condo. Mrs. RB40 also renewed her license.

Pet: $0.

Kid: $219. RB40Jr started his Wushu lessons. This is a basic Chinese martial art. Kids learn how to kick, punch, and block. They don’t have sparring, though, which is okay with me for now. He can change to something more physical later. Now, he just needs to learn the basic moves and stretches.

Bills: $273. Electricity and insurance (auto, home, term life, and umbrella).

Healthcare/Medical: $56. I went to the dentist for teeth cleaning.

Entertainment: $141. This one is higher than usual. I took RB40Jr to a few places for spring break. We visited a trampoline park. That was pretty good for an hour. A half day at Fort Vancouver was great, too. Mrs. RB40 renewed her Toastmasters membership. We also got a few things for Easter. We went out a couple of times, but we discussed the blog in detail, so that’s a business expense. This is another reason why everyone should start a blog. 8)

Travel, Clothing, Misc: $3. I got a long sleeve shirt for Junior.

Savings

YTD Extra Savings: $18,923

March was a very good month and we saved $6,020. Our income exceeded our expenses again and it is great! This is when you feel rich, when you have plenty of positive cash flow. So far in 2017, we saved $18,923 extra. This is already more than the whole 2016 so we’re doing really well this year. Now I can contribute to our Roth IRA early and get them out of the way. I’ll try to do that in the next few weeks.

Can Mrs. RB40 retire?

This is a new section I’m adding for 2017. I want to see what happens if Mrs. RB40 stops working full-time. Basically, I will remove Mrs. RB40’s income from our spreadsheet and stop contributing to our tax-advantaged accounts.

Drum roll please … for March 2017, Mrs. RB40 could retire early! We had another great month and it would be awesome if we can continue this for the rest of the year.

If we remove Mrs. RB40’s income from the spreadsheet, we’d still be ahead $5,220 in March! This is due to our excellent online income. Hopefully, we can keep it up for the rest of 2017. We’ll see how things look after the summer slowdown.

Q1 2017 wrap up

Q1 2017 was a great quarter at the RB40 household. Our income streams were firing on all cylinders and our expenses were low. Everything is just going really well. We haven’t had a great streak like this in a long time so we feel good. Usually, we have ups and downs. We just have to keep this up for the rest of 2017. Now on to April. I plan to finish taxes and file them. Then, I’ll transfer our 529 College Savings Plan and Mrs. RB40’s IRAs to Vanguard. Those things will keep me busy and out of trouble.

Did you have a good March? I’m really glad spring is here. The weather is slowly warming up and we got a bit more sun shine. It was a very wet and cold winter so I’m really happy that spring has arrived.

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{ 54 comments… add one }
  • Ten Factorial Rocks April 3, 2017, 3:08 am

    Good progress Joe. My portfolio (which is primarily dividend stocks) is up 5.3% for the first quarter, including dividends. I agree this pace may not hold but we take what the market gives, right? That’s the principle behind buy and hold investing.

    • retirebyforty April 3, 2017, 9:55 am

      Our dividend portfolio isn’t doing very well this year. A few stocks went down and they dragged down our whole portfolio. Target and GE. I think GE is fine, but Target is in trouble…

      • FiscalVoyage April 3, 2017, 10:26 am

        I actually brought more TGT. They will be ok.

      • Ten Factorial Rocks April 3, 2017, 11:38 pm

        I own TGT, which is included in my portfolio return %age. They are down but definitely not out. I will give them one more year.

        • retirebyforty April 5, 2017, 8:58 am

          TGT valuation is very attractive right now. I need to research a bit to see if it makes sense to pick up a few more shares at this point.

  • Buy, Hold Long April 3, 2017, 3:52 am

    Very nice outcome overall. Looks like you will be well on track for your online income. i am very jealous! I would love to work on getting my blog up to that standard. Well done to you.

    • retirebyforty April 3, 2017, 9:57 am

      Thanks! Keep working on your blog. It will get better. Good luck.

  • Wes April 3, 2017, 3:58 am

    Looks like you’re on track for a great year! #WooHoo!

  • Maria April 3, 2017, 4:13 am

    Nice job . You are such a pro. I’m curious – why Vanguard for IRAs and 529? Also I started my blog Fitbela.org with your encouragement and blog post on how to start a blog . Now I need to generate traffic and interest Need to work on that soon!

    • retirebyforty April 3, 2017, 10:00 am

      I want to transfer those accounts to Vanguard to consolidate. It will be easier to manage. Also, there are no transaction fees to trade Vanguard funds if you have an account at Vanguard.
      As for the 529, the Oregon plan has higher fees. I want to move it to Vanguard to minimize fees.
      Good luck with your blog!

      • Kim April 3, 2017, 3:18 pm

        Oregonian parent here – so if you’re moving your Oregon 529 to Vanguard for lower fees, will you lose the Oregon state tax deduction for contributing?

        • retirebyforty April 3, 2017, 8:51 pm

          I’m going to move our current 529 plan to Vanguard. Then open a new one in Oregon to take the tax deduction on future contributions.
          From what I understand, we don’t have to pay back those tax deduction when we rollover to another state. I will write more about this when we’re done.

  • Steve D Poling April 3, 2017, 4:49 am

    The step goal is best met before 7:00am. i’ve worn out 1.5 treadmills on my simple 23,000 step weight-loss plan. (lost 102+ lbs. simple, not easy.) After i started achieving fitbit goals for stairs, steps, and finally calories burned the weight loss provided the reward i needed to establish a keystone habit triggered by my 5:00am alarm. fitness and weight control are sucky goals, but exercise and proper nutrition are great habits to cultivate (with fitness & weight-loss side-benefits).

    • retirebyforty April 3, 2017, 10:03 am

      You’re doing really well. Great job! It’s tough for me to get up at 5 am because I’m up late. Maybe when the kid is out of the house, I’d be able to wake up early like that.

  • The Grounded Engineer April 3, 2017, 4:57 am

    Great, detailed report of your goals, RB40! I’m due for a goal check-in on my end – thanks for the reminder to do so 🙂

    • retirebyforty April 3, 2017, 10:04 am

      Q1 is over. It’s time to go over your goals and make any necessary changes. Good luck.

  • Matt @ Optimize Your Life April 3, 2017, 5:02 am

    I’m really impressed that you’ve been able to move the ball on so many goals all at once. To have 16 different goals and only be falling behind on one of them is pretty ridiculous. Nice work!

    • retirebyforty April 3, 2017, 10:10 am

      Thanks! That’s why I have some easy goals. 🙂

  • Mike April 3, 2017, 5:12 am

    Joe,

    Love this site, it’s been a great inspiration to me. I’ve begun my own journey with dividend growth investing as a result from reading here (and a couple of other spots too). My question for you is how you benchmark your growth progress vs. funds. I noticed you calculate your personal portfolio vs. VIG and as you stated in this article you calculate your net worth vs VFORX. Is that based solely on percentage growth (i.e. in this article you say the VFORX has grown 5.3% vs. your net worth’s 4.4%)? I ask because when I was examining the Dividend Portfolio article VIG has a number next to it like 3389 (I forgot the actual number but it’s somewhere in the 3000s) and I was just curious what that was. I’d like to track my own personal growth vs. funds as well, so I’m interested in your method. Keep up the good work and good luck with everything! Looks like 2017 is going to be a hell of a year for you and your family!

    • retirebyforty April 3, 2017, 10:14 am

      Hi Mike, I probably shouldn’t compare our net worth VS VFORX. It’s just a benchmark. Don’t pay too much attention to this one.
      The dividend portfolio has a much better benchmark. VIG is doing really well and I’m thinking about putting future investments into it. The number there is the shares of VIG that has equivalent value to our portfolio as of 1/1/2017. This makes it easy to track and measure performance.

  • The Magic Bean Counter April 3, 2017, 6:24 am

    Thanks for the detailed post. You guys are rockin and rollin! Your blog income is incredible. Here’s to an even better Q2 for you and your family!

    • retirebyforty April 3, 2017, 10:14 am

      Thanks! Our blog income has been really great this year. I just hope we can keep going at this pace.

  • Roseanne April 3, 2017, 6:24 am

    Great recap, Joe. I enjoy reading your blog so much. I’ll be interested in hearing what you find to do to increase your Pinterest traffic. I also need to create some traffic on Pinterest, but have no idea how to do so. If I find any information that would be helpful to you, I’ll be happy to share.

    • retirebyforty April 3, 2017, 10:15 am

      Thank you! I will work on Pinterest… It’s just not increasing for us. I’m sure there are a ton of tips on the internet.

  • Mrs. Picky Pincher April 3, 2017, 7:07 am

    Hahaha, sorry to hear Pinterest isn’t your fave. I do think it helps if you have fun with it. 😉

    I can’t wait for the site redesign! That’s a hefty project, but I’m sure it’s going to look kickass.

    • retirebyforty April 3, 2017, 10:16 am

      Generally, I don’t like social media. It just takes too much time. So unproductive.
      Site redesign is going to be tough…

  • Mr Crazy Kicks April 3, 2017, 7:31 am

    After having a bit more winter than we expected, I’m happy spring is here. Today is sunny and should be about 60 deg, a welcome change 🙂

    Congrats on all the success, you’re crushing the income goals for the blog!

    • retirebyforty April 3, 2017, 10:17 am

      Thanks! I’m really glad spring is here too. It was such a long wet winter for us.

  • Mr. Tako @ Mr. Tako Escapes April 3, 2017, 8:17 am

    Wow, amazing month Joe! You guys are really killing it!

    That new advertiser is seems to be bringing in the cash for you! I hope the streak continues, you deserve it!

    • retirebyforty April 3, 2017, 10:19 am

      Thanks! It’s been really good this year. Hopefully, we can keep this up. I tend to get complacent when things are going well, but I’ll try to be more vigilant this time. Blog income needs attention.

  • Investment Hunting April 3, 2017, 9:02 am

    Seriously impressive numbers. Blog income and dividend income are both excellent. Keep up the good work.

  • Apathy Ends April 3, 2017, 9:03 am

    March was 3 paycheck month, so it was hard to screw up! I am just pulling numbers now for the last Quarter but Personal Capital looks good!

    • retirebyforty April 3, 2017, 10:19 am

      Great! We already had our 3 paychecks month in January. I love those months. 🙂

  • Jo April 3, 2017, 9:16 am

    Congratulations for another great month! It seems that you are on the right track to FIRE. I see that you now took the decision to increase your bond investment and I just wonder if you have a plan ready what to do in case of a market crash.

    • retirebyforty April 3, 2017, 10:24 am

      I do have a plan for when the market crashes. Check it out.
      http://retireby40.org/create-your-own-buy-low-strategy/
      Basically, if stocks drop by 30-40+%, then I’d move some money from bonds to equity. Otherwise, stay the course and keep asset allocation around 80/20.

  • Ms. Montana April 3, 2017, 9:23 am

    Yeah for spring and spring break! Our kids were out last week as well and we managed to get a few really nice days. =) Your combined income is amazing! We are letting our boys play soccer this spring, but it will only set us back $80 (including the stupid $20 fee because I filed a day late, ugh.) They did year round karate for 18 months at $150 a month, but the schedule was too stressful for the family. So I said no more year round sports till they get older so we can travel more while they are little.

    • retirebyforty April 3, 2017, 10:24 am

      I need to find a good sport for our kid. Soccer sounds like a plan. It’s still wet here, though. Maybe summer would be better.

  • FiscalVoyage April 3, 2017, 10:25 am

    Love the goals. Without goals, you plan to fails. Good luck on them!!

  • Brad - MaximizeYourMoney.com April 3, 2017, 12:09 pm

    I’m doing my part to help grow your Pinterest – you have some good pins! 🙂

  • Dividend Diplomats April 3, 2017, 5:15 pm

    RB40 –

    I would say that’s one of the best damn March months one could ask for! Expenses were in check, income was very high – especially the online income production you had, and your dividend income is creeping up to the $1k mark in March. Also – a lot of positive money moves you are doing in April, which could/should propel you even further.

    What’s cool, though, is your other non-financial goals that you are making sure/trying hard to hit. Seeing the Total eclipse will be awesome and I think the little one will love it.

    Congrats and keep it going! Motivating information for us all and a great inspiration Rb40!

    -Lanny

    • retirebyforty April 3, 2017, 9:03 pm

      Thanks! I’m very happy with Q1. 2017 has been great for us so far.
      I’m looking forward to the total eclipse too. I have never seen it.

  • Ms. Frugal Asian Finance April 3, 2017, 6:02 pm

    I’m excited about spring too! Can’t wait to see the flowers blooming. It’s still really cold where I live.

    I’m glad to see that your blog is doing well. Thanks for sharing the numbers and keep up the great work!

  • Dividend Growth Investor April 4, 2017, 10:28 am

    It is always nice to see you hitting your goals and conquering new highs. It is also nice to see that Mrs RB40 can call it quits.

    I may need to pick your brain on Adthrive vs Investing Channel at some point.

    DGI

    • retirebyforty April 5, 2017, 8:58 am

      You should switch to AdThrive. They are much better than Investing Channel, for me.

  • FinancePatriot April 4, 2017, 11:47 am

    Have you considered refinancing your hefty mortgage or switching to a five year ARM? These aren’t risky as people make them out to be. I wrote an article about embracing our 38 year mortgage. I’d rather invest the difference. So far, it’s been working out really well.

    What are your terms on your mortgage?

    • retirebyforty April 5, 2017, 8:59 am

      Not really… We might move soon so it doesn’t make sense to refinance. Beside, Mrs. RB40 hates refinancing.

  • Pennypincher April 4, 2017, 12:16 pm

    Good move, Joe. Simplifying and consolidating w/Vanguard. Believe me, you’ll be glad you did when you get older and want everything in your life simpler. Their end of the year tax statements arrive fast and ready for tax season. Five star service w/them.
    I’m just happy my tax filing is done, and done! Whew.

    • retirebyforty April 5, 2017, 9:01 am

      I’ve been very happy with Vanguard since I opened my i401k account there in 2014. I’ve been slowly consolidating and we’re almost done. I love Vanguard.

  • Michael April 4, 2017, 1:09 pm

    Congratulation Joe on your blog income! It looks like you are on track to overachieve this year, which is a good thing.

    We went to Horseshoe Bay Resort for spring break and had a great time as a family.

  • Alexis @FITnancials April 4, 2017, 6:08 pm

    Great job with the income and gym achievement! We just got a gym membership and scored a great deal.

  • gfaseed April 5, 2017, 12:01 am

    Excellent numbers, and what a great inspiration.
    Keep up the good work. Good luck for your goals!

  • Brad April 7, 2017, 8:57 am

    Just out of curiosity, couldn’t you pay off one of your mortgages by selling some investments? This would alleviate some cash flow issues that the Mrs. may be having if that is the main obstacle she is having about leaving work. Sometimes having less debt has it’s advantages for just peace of mind.

    • retirebyforty April 7, 2017, 9:44 am

      I don’t feel the need to pay off the mortgage as long as we have some income. The rate is low and I like the deduction. Once we have less income, then it would make more sense to have no mortgage. We’ll have to evaluate it again when she retires.

  • DivHut April 16, 2017, 12:30 am

    As so many other comments already stated you made some real great progress over the last month and Q1 overall. Fun goal 14 should be fun. I never witnessed a total eclipse but I think you will create some very lasting memories on that trip. Keep up the good work.

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