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October 2019 Goals and Financial Update


Oct. Financial Update 350Hey everyone, a chill is in the air. This October seemed colder than usual. The overnight temperature dipped into the 30s several times already. Brr… Luckily, Halloween was dry and not too cold. Our son went trick-or-treating with his friend and collected a huge stash. These are nice candies too. Let’s see how long this stash endures. He’s pretty good at saving. We even had one last Twix left from the previous year that we split a week ago. Actually, that’s amazing. Most of his friends eat their candy right away. RB40Jr is a natural saver. Also, his stash gets replenished at Christmas, Easter, and various other holidays.

On the financial side, we had a rough month. My dad got sick and checked into the hospital for a week. Luckily, Thailand has a public healthcare system. He went to the national hospital and it didn’t cost a lot of money. A weeklong stay, various tests, medication, and a walker cost around $500. He could have gone to a private hospital and spent a lot more. He’s back home now, but he’s still weak and couldn’t make money so there is the loss of income to consider. On top of that, one of our distant relatives passed away. That family was very good to us whenever we visited so my dad contributed $700 toward the funeral cost. They don’t really need it, but it’s custom. Anyway, I sent my dad $2,600 to help out last month. That’s more than usual and it messed up our cash flow numbers a bit. I’m glad to help out, though.

Our income was lower than usual, too. Our little neighborhood HOA spent $16,000 fixing up the shared backyard. They cut down trees, improved drainage, planted shrubs, and put in a lawn. Our slice cost $1,600. I guess I should feel lucky it didn’t cost more. Still, I didn’t really want a new lawn so it’s just another unplanned expense. That turned our rental income negative for the year. There were too many big expenses recently. That’s the problem with being a landlord/homeowner. On the other hand, I finally got a new tenant for our condo. The rental income should be better next month.

Okay, I’ll go over my goals first and then share the details of our net worth, cash flow, and savings.

2019 Goals

Here is my goal scheduling spreadsheet. It works really well. Try it out if you have a problem with your New Year goals. The key is to update the spreadsheet at least once a month to track your progress.

October NY goals

Whew! The year is almost over. There isn’t much time left in 2019. We’re going to Thailand soon and it’ll be the holiday season after that. I don’t think I’m going to get much more done this year. Fortunately, most of the goals are on autopilot. They’ll keep improving until the end of 2019.

Financial Goals

  • Passive Income> $60,000.This goal was way too ambitious. We’re not going to make it this year. Our passive income is $37,627, way below target. I thought we could sell the condos quickly and reinvest the money. However, the process took much longer due to the housing market slow down. There is no way we can reach $60,000 this year. Next year should be better. I’m looking forward to a fresh start in 2020.
  • FI Ratio > 100%. This is my main goal for 2019. The FI ratio is passive income divided by expense. Once we reach 100% consistently, then we’ll be set to retire in style. Our passive income decreased this year, but our expense dropped even more. That’s why our FI ratio is 103%. It’s a big drop from September due to unexpected expenses.
  • Save and invest > $100,000. Last year, we saved and invested $102,000! That was awesome and I hope to repeat it this year. However, it isn’t looking good. In 2018, my blog income was insane (in a good way), but it slowed down significantly this year. Consequently, it’s going to be very tough to save $100,000. So far, we saved and invested $67,477. That’s behind the pace, but it’s still quite good. Our saving rate is 50% so far in 2019.

Blog Goal

  • Update Retire by 40. I need to clean up the menu, sign up with new affiliate partners, and rework a few affiliate posts/pages. This isn’t that difficult, but I have to find the time to do it. I also need to update the PHP (what the heck is this?) and refresh the theme. This kind of work is very tedious for me so I usually put it off. I’m having a really rough time with it this year. Ugh! I found out my theme won’t get updated anymore. I’ll need to move to a new theme soon. This is a lot more work than I expected.

Personal Goals

  • Travel Hack 100,000 points. Yes! This one is done. Both of us signed up for the Capital One Savor card and received a $500 cash bonus each. This is a great card, don’t miss out. Click here to find the right credit card for you.

  • Consolidate down to 1 property. We sold a condo! Now, we just have one unit left on the market. Unfortunately, it didn’t sell. I found a tenant and it’s rented now. I give myself 75% for this one. That’s a C. It could be worse.
  • Drop weight to 130 pounds. I rarely make a weight loss goal because it never worked before. However, I think I’ll be able to do it this year. I’m intermittent fasting* and plan to exercise 5 days per week. Currently, my weight is 130 pounds. I just need to maintain this weight until the end of the year. I changed my goal to 130 pounds. Originally, I had it at 125 lbs. That’s too difficult and I can’t get that low.

*Here is how I do intermittent fasting. I only eat from noon until 8 pm on the weekdays. This cuts down on the calories and I don’t miss breakfast much. I’m busy getting RB40Jr off to school on the weekdays anyway. Try intermittent fasting if you want to lose weight. It really works. If you can’t do it by yourself, I highly recommend Martin Dasko’s Intermittent Fasting Course. It was very helpful when I first started IF.

Fun Goals

  • Keep my happiness level at 8 or above. This is totally subjective. I’ll give myself a score at the end of the month and try to average about 8 this year. For October, I rate my happiness level at 7. I was worried about my parents. It was stressful. The rest of the month wasn’t too bad, though.
October happiness
  • Visit my parents in Chiang Mai. I booked our trip and spent very little. I used my Chase and American Airlines points to book almost everything. The only thing I paid for is the flight from Chiang Mai to Vietnam and that was cheap ($174 for three.) Travel hacking is awesome! We’ll visit Hanoi for 5 days and spend a day in Narita on the way home. This trip should be a lot of fun.

Net Worth (+14.3% YTD)

I’ve been tracking our net worth since 2006 and it is very motivating to see the progress we made. 2019 is turning out to be a great year so far. That’s unexpected, but I’m happy with it. I’m being more conservative this year so our net worth lags behind the S&P 500 significantly. VFINX is doing amazingly well this year and it gained 21% so far. That’s way higher than usual. Anyway, I can’t complain because our net worth also gained 14.3%. Can the market keep this up? I seriously doubt it, but who knows… I think we’re in for a wild ride for the rest of 2019 and 2020.

Here is a graph of our investment from Personal Capital. October was a nice month.

October net worth

*Sign up for a free account at Personal Capital to help manage your net worth and investment accounts. I log in almost every day to check on our accounts. It’s a great site for DIY investors.

2019 Passive Income ($37,627 YTD)

Here is a quick summary of our passive income. You can see all the details on my Passive Income page.

Oct 2019 passive income

Our passive income looks good this year. The only problem is our rental income. There were too many unexpected repair and maintenance expenses. That’s the problem with rentals. There are endless repairs. However, rental income should improve significantly next year. I refinanced loans into one property and lowered our monthly cost. Our condo is rented now so the cash flow should improve significantly next month.

The bottom line is our FI ratio. It’s 105% this year. This shows we can cover our living expense with our passive income. That’s financial freedom!

*FI ratio = passive income/expense

Last month, we finally received a check for our 2 bedroom condo sale. I invested $40,000 with CrowdStreet and put the rest in VNQ (Vanguard REIT index.) Our passive income should increase with these additional investments.

2019 Cash Flow

Our cash flow was rough in October. Our rental income was negative and we had some unexpected expenses. I also moved some cash into RB40Jr’s 529 account. Consequently, our saving rate for the month was way lower than usual, 35%. Oh well, we all have a bad month sometimes.

Here is the Sankey diagram for October. You can get a quick overview here and see the details below.

October Sankey cash flow chart

Gross Income (target > $12,000/month)

For 2019, our gross income target is $12,000/month. We met this goal for most months. In previous years, I tracked take-home income and it was all over the place due to the deductions. This year, I track gross income instead. In October, we grossed $12,173 (including investment loss.) Whew! We barely made it.

  • Mrs. RB40’s paychecks: $8,163.
  • Blog Income: $3,341. Not too bad. This is right in-line with our monthly average. Q4 should be much better for blog income. You can read more details on my Blog Income pageRB40Jr is on the payroll now as model and photographer. The income will go straight into his Roth IRA. I’m excited to see how this experiment will turn out.
  • Rental Loss: –$1,595. It was a tough month on the rental front. Our HOA repaired the backyard and it cost us $1,600. We also spent $300 to repair a rotted window. Read more at the Rental Property Passive Income page.
  • Dividend Income: $1,006. Our dividend income was good last month. See more details on my Dividend Passive Income page.
  • Real estate crowdfunding: $332. We also had a good month with RE crowdfunding. I think the rest of 2019 should continue to be good. Read more at my RE Crowdfunding Passive Income page.
  • Interest Income: $25.
  • Side hustle: $901. We made $700 from charging scooters! That’s awesome. However, it’s getting more difficult due to the rain and cold weather. I think this income will drop a ton over the next few months. We’ll be lucky to make $300 next month. (I’m splitting this with RB40Jr. I put his take in his UMTA account and invest it in the Fidelity ZERO total market fund.) Mrs. RB40 deposit $201 into our checking account. Most of this is a gift from her parent.

Monthly Spending (target < $4,000/month)

For the rest of 2019, our monthly spending budget is $4,000/month. I decreased it from $5,000 per month. Our housing expense is significantly lower since we moved into our duplex. This helped a lot. In October, we spent $5,188. That’s higher than normal due to the money I sent my parent. That account has a good balance now so I probably don’t need to send any more money for the rest of 2019. Next year, I’ll set up an auto deposit so it doesn’t disrupt our cash flow.

  • Housing: $983. This category includes mortgage, home insurance, HOA fees, property taxes, utilities, home improvement, and furnishing.
  • Groceries: $468. This was a bit below average. Check out what we cooked.
October food

On the left is Pad Rad Nah. It’s a noodle dish from Thailand. This one turned out really well. Next, I made 2 pizzas – a thin crust and a pan pizza. The carbon steel skillet worked great for this. Although, the thick crust needed more than pepperoni. Next time, I’ll pile on more toppings.

October food 2

Mrs. RB40 made an onion and fennel seed tart. This one worked out really well, too. I tasted better than I thought. On the right is my tuna (canned) kimchi stew. I really liked this dish. It was super easy to make and RB40Jr even ate some. It wasn’t as spicy as it looked.

This last one is a Korean streetfood dish – spicy chicken rabokki. I saw this dish on YouTube and decided to try it. It was delicious! I’ll put up a recipe soon. BTW, rabokki = ramen + tteokbokki.

  • Transportation: $79. I filled up once in October. I also paid $40 to renew my license.
  • Cash: $0. No cash withdrawal last month.
  • Parents: $2,670. I sent $2,600 to my parents. Also, I ordered some supplements for my mom.
  • Kid: $66. We went to the Portland Trailblazers game, ate out, and paid the dentist. Not bad for all those.
  • Pet: $34.
  • Bills: $211. Insurance (auto, home, term life, and umbrella).
  • Health: $100. Dentist and prescription.
  • Travel: $382. We got our visa for Vietnam and paid for cat sitting.
  • Clothing: $16.
  • Entertainment: $179. We ate out several times in October. Mrs. RB40 got a ticket for Mesmerica, a light show.
  • Misc: $0.


I don’t count these as personal spending.

  • Taxes and deductions: $2,774.
  • 401k savings: $2,980. I contributed $1,500 to my 401k. RB40 contributed $1,480 to hers.
  • Roth IRAs: $1,000. We contributed $500 each to our Roth IRAs.
  • 529 College Savings plan: $2,000.
  • Extra Savings: -$1,769. I had to borrow some money from our old savings because I wanted to finish contributing to the college savings plan.

2019 Savings

We saved $67,477 so far in 2019. Our current saving rate is 51%. I’ll be very happy if we can maintain it above 50% this year. That’s an excellent saving rate.

  • Joe’s 401k: $18,500.
  • Mrs. RB40’s401k: $15,490
  • Roth IRAs: $10,000
  • 529 College Savings: $4,865
  • Extra savings: $18,622

YTD 2019 saving rate = 50%

October 2019 Wrap Up

All in all, October was okay. Our net worth increased a bit thanks to the stock market. We already surpassed my target of +10% net worth in 2019. That’s very good. Let’s hope we can keep it above 10% until the end of the year.

On the cash flow side, it was a bit tougher. Our rental income was bad and it pushed us into the red for the year. I’m hopeful for the last 2 months, though. We should be back in the positive side next month because our condo is rented now. Unfortunately, we spent more than usual last month. Most of that was due to sending money to my parents. I don’t feel bad about it, though. We’re glad we can help out. That’s what money is for – to take care of your loved ones. It’s a good thing that they have access to affordable healthcare in Thailand.

Anyway, October is over. It wasn’t a great month, but we’re moving on. November and December should be much better. We’ll coast the rest of this year and start over again in 2020. I’m looking forward to it. Next year should be much smoother for us financially.

How about you? Did you have a good month? Are you making progress on your New Year goals?

*Sign up for a free account at Personal Capital to help manage your net worth and investment accounts. I log in almost every day to check on my investment. It’s a great site for DIY investors.

Disclosure: We may receive a referral fee if you sign up with a service through the links on this page.

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Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, the job became too stressful and Joe retired from his engineering career to become a stay-at-home dad/blogger at 38. Today, he blogs about financial independence, early retirement, investing, and living a frugal lifestyle.

Passive income is the key to early retirement. This year, Joe is increasing his investment in real estate with CrowdStreet. He can invest in projects across the U.S. and diversify his real estate portfolio. There are many interesting projects available so sign up and check them out.

Joe also highly recommends Personal Capital for DIY investors. He logs on to Personal Capital almost daily to check his cash flow and net worth. They have many useful tools that will help DIY investors analyze their portfolio and plan for retirement.

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{ 42 comments… add one }
  • Life of Monster November 8, 2019, 9:11 am

    Hope your dad gets well. What software do you use to make your income flowchart? I love it.


  • Advance Financial November 5, 2019, 10:09 pm

    yeah 14% YTD is great and good and most of the banks proved the same and have a common savings goals for there customer.

  • Div November 5, 2019, 6:39 pm

    RB40 –

    Really pumped to see the fruit from the Vanguard investment, post-condo sale. Your dividends will be very significant come December.

    Further, that Pizza.. man… I haven’t had a good slice in over a week! Killing me, actually, it’s been even longer I feel like. My wife and I are due to make either a good pizza at home or a lower-price/good value pizza pick up. Salivating now!


  • Kathy November 5, 2019, 2:21 pm

    Wow you have a great savings rate! And you can bring your son to the Trailblazers game and get food for only $66? I thought parking along would be $20?
    The main water pipe at my investment property broke in 2018, and it was $7000 to fix it. (It is a 100 year old building). I own another building across the street, and the main water pipe broke this year. This time it was longer and was $8000 to fix. Surprisingly I still cash flow on them. But hopefully next year I will have an additional $8000 in profit! (I do have a third building. Hope nothing happens to that one!)

  • Phil Yan November 5, 2019, 5:20 am

    I like your $700/mo side hustle.
    I just wanted to understand more about the economics of it; like how much time/effort does it involve, wear and tear on car, gas, etc. It sounds like you’ve factored that all in, and it seems quite positive.
    I have a side hustle too, coaching & tutoring, but it uses lots of gas, so as my car gets older I may seek better side hustles.

    • retirebyforty November 5, 2019, 7:05 am

      I do 99% of scooter charging on foot. There are plenty in my neighborhood so it’s an easy side hustle for me.
      Occasionally, I’d pick up one if I’m driving around for an errand. I think I probably make $15-$20/hour, but that’s not a big deal because I only do this when I’m not busy with other stuff. Here is a good post from Financial Panther.

  • Passiveincomehustle November 4, 2019, 9:45 pm

    That is an amazing amount of annual savings, on my best years I am hitting $30K.

    Do you feel the housing market is slowly down? I am looking to buy my first place in the Spring…

    • retirebyforty November 5, 2019, 9:52 am

      Thanks! We made a good income this year so we can save a good amount.
      In Portland, it’s slowing down. Buyers have more power now. Good luck with the house search.

  • Lily November 4, 2019, 3:21 pm

    I was so surprised the S&P went up almost an entire 1% in October alone, like woah new heights! We’re still updating our house and finding another house to buy so stocks were not on our radar. Ah it makes me wonder what 2020 holds. I think it’s going to get shakey again too but we’ll see.

    • retirebyforty November 5, 2019, 9:51 am

      Me too. It seems investors don’t care about businesses slowing down or the global picture. We might not get a recession next year after all. It’s strange.
      Good luck with house hunting and selling. It might be tough selling in this market.

  • Done by Forty November 4, 2019, 10:41 am

    Sorry to hear about the health issues with your dad, but I’m glad he’s out of the hospital. We send money to family as well and while it’s a dent to our budget, it’s just something we do: family is family.

    We got out of being landlords for the reason you stated: it’s hard when there are big, lumpy expenses that you didn’t plan for. We liked it when rent was coming in and there were no hiccups that month, but the months where we had big repairs or vacancy were stressful: we eventually just wanted out.

    We love cooking pizzas at home and the cast iron makes a great deep dish, for sure.

    Sounds like a good month overall. Here’s to hoping for a good close to the year, Joe

    • retirebyforty November 5, 2019, 9:50 am

      I had to go change the wax ring at our rental yesterday. It leaked and the unit below called. Ugh! Oh well, that comes with the territory.

  • Laughing Forest November 4, 2019, 10:00 am

    Hi Joe,

    Thanks for these updates and keeping it really honest.

    I noticed that you (and your partner) are still investing in your 401Ks pretty late in the year. With your financial independence status where it is, why wouldn’t you front load your 401K contributions early in the year and max out?

    • retirebyforty November 5, 2019, 9:48 am

      I invest as we go along because I don’t know how much I’d make this year. It’d be a lot of trouble to reclassify the investment if I over contribute. For Mrs. RB40, she gets matching with every contribution. If she front load, she wouldn’t get matching later in the year.

  • David @iretiredyoung November 4, 2019, 9:45 am

    Your October month is a good example of early retirement life (as well as life in general) in that it doesn’t always go to plan and sometimes things happen that isn’t great. However, it’s just one month our of many and there were still lots of good things to report to. The timing of your visit to Thailand is good as I’m sure your father will be pleased to see you, especially after his health issues this month.

    • retirebyforty November 5, 2019, 9:46 am

      The timing of our trip is pretty good. If we didn’t have a trip coming up, I’d probably book a flight there by myself. That would be very disruptive here.

  • Life Outside The Maze November 4, 2019, 9:40 am

    I love the way that you have your personal goals and financial ones integrated and track them all together. Such is life, progress in one area is only as strong as the other links in the chain. Such as when family gets sick, a few grand more in the account does not matter one way or the other. I am sorry to hear about your dad and hope he is doing better. Also, 13olbs?! You must be skin and bones. Be well Joe,

    • retirebyforty November 5, 2019, 9:45 am

      Thanks! I’m only 5’4 so 130 lbs is a good weight for me. 🙂

  • Lazy Man and Money November 4, 2019, 6:49 am

    I represent the gross income police who have asked me to formally review whether a family gift counts as a side hustle that is eligible to put you over the top of your goal 😉 – j/k.

    Hope that your dad is doing better. I guess it’s a silver lining to be in a position where you can help out financially.

    • retirebyforty November 4, 2019, 2:15 pm

      Heh heh, you’re right. I’m too lazy to add a gift category. These gifts are usually very small.
      My dad is improving. He should be well by the time we visit. Thanks!

  • freddy smidlap November 4, 2019, 6:30 am

    that’s a pretty good deal to go to a blazers game for so cheap. i hope it wasn’t that one they lost on the last second shot to the sixers. at least it was exciting. those HOA events can be a cash flow wrecker, but you have to maintain the places i guess.

    we had a good month in the markets, but had to spend a lot this year to replace a car. it’s still been a good year and we’ll get some sunshine in florida in a couple of weeks.

    • retirebyforty November 4, 2019, 2:14 pm

      We got a free ticket from the library. It was a preseason game and we sat all the way back at the last row. We still had fun, though. We lost by 20 points. 😀

  • Tom @ Dividends Diversify November 4, 2019, 5:53 am

    Hi Joe, I agree with Sam. It’s been a good year financially. The stock market is covering a lot of money sins right now for many folks. Tom

    • retirebyforty November 4, 2019, 2:13 pm

      2019 has been amazing. Luckily, our income and expense are still good. That’s what we can control.

  • ksil November 4, 2019, 5:23 am

    Joe; This is the second month in a row that the charts that you insert into your monthly update don’t load. There is just a big minus sign in place of the chart. I checked your website on my phone too to make sure that it wasn’t my computer, but I get the same results on my android phone. I enjoy reading your monthly updates, but without the charts and graphs, it isn’t a great read. What’s Up?

    • retirebyforty November 4, 2019, 2:13 pm

      I’m sorry about that. Technical difficulties. I fixed it and you should be able to see the graphic now.
      Sorry! I blame Google Photo.

  • Xrayvsn November 4, 2019, 3:37 am

    Sorry about your family issues especially with your dad’s health. Very fortunate that Healthcare costs are not a major factor there.

    October by far was my worst financial month in a long time due to a lot of expenses that were unexpected as well as some that were. Actually going to write a post about it down the line when the dust settles.

    Hope the rest of the year is better for both of us (but typically this is the time of year where spending is at its highest because of all the holidays)

    • retirebyforty November 4, 2019, 2:12 pm

      He’s lucky Thailand has relatively good healthcare. There are good public hospitals in Chiang Mai. He could also go to a private hospital if needed. It’s a lot more difficult in the US for poor people.
      We’re going to Thailand soon, but I don’t think we’ll spend a lot. It should be fun.

  • Dave @ Accidental FIRE November 4, 2019, 2:25 am

    Sorry about your dad Joe. But that 50% savings rate is still amazing, and shows that you’re a seasoned pro!

    • retirebyforty November 4, 2019, 2:10 pm

      Thanks! We have 2 more months to pad it. Hopefully, we can get it up to 55%. 🙂

  • Mr. Tako November 4, 2019, 12:30 am

    Well, on the bright side Joe, at least your FI ratio is still over 100%. At least it wasn’t a complete financial disaster that broke your finances completely. It happens sometimes, and this is why people keep emergency funds.

    Sorry to hear about your Dad though. Hope he’s feeling better.

    Nice job on the 14% net worth increase. None too shabby!

    • retirebyforty November 4, 2019, 2:09 pm

      I’m very thankful that my dad is in Thailand. If he was here, he’d owe a ton of money. A week at the hospital would cost over 5 figures here without insurance.

  • Financial Freedom Countdown November 3, 2019, 10:53 pm

    Sorry to hear about your dad and your relative. Incidents such as these; put FI into a different perspective. My parents are older and I worry about this as well. Luckily they are here with me for now but will be difficult when they want to go back and no one to take care of them:(

    It is great that RB40Jr is a saver of candy. It will carry over well into his financial life

    • retirebyforty November 4, 2019, 2:08 pm

      They have relatives there, but everybody has their own problems to deal with. It’s tough. I probably will spend a lot more time in Thailand in the coming years. I just hope they stay relatively healthy until our son goes to college. Good luck to you as well.

  • Carmelita Valera November 3, 2019, 9:59 pm

    Hello Joe,
    I have been following you for a few years now and got my inspiration to live frugally. I also support my Mom and brother who takes care of her full time in the Philippines. I’ve been wanting to start investing in dividend funds, aside from my 800k portfolio between 403b, IRA at Vanguard and HSA acct. I’ll have 80k cash to invest from the sale of my house at the end of the month, would you recommend parking it in a dividend fund? I want to quit my job when the total of my portfolio hits 1M, hopefully by end of next year, or when I turn 61 (7/2021), spend time with my Mom. Thanks for all the ideas you share in your blog. Carm

    • Laughing Forest November 4, 2019, 9:59 am

      If possible, you’d want to invest in dividends funds within a tax-advantaged account, not after-tax.

    • retirebyforty November 4, 2019, 2:06 pm

      I can’t make a recommendation, just what I would do. I’d invest the cash in dividend stocks and REITs. That will give you some passive income. It will come in handy after retirement. Good luck!

  • Chrissy November 3, 2019, 9:52 pm

    October wasn’t great to me either… and why I’ve had no choice but to go silent on my blog for the last few weeks. I hope I’ll get back on my feet and back to blogging soon. It’s been crazy.

    I’m so impressed that you manage to blog as much as you do, despite having so much to deal with in your own life!

    Sorry to hear about your dad. I hope he’ll be back to 100% soon. My dad also had some serious health issues in October. I guess our parents are getting to the age where this is the norm.

    • retirebyforty November 4, 2019, 2:04 pm

      I hope you get back soon. I have some personal time when my son is in school so it’s not too bad.
      I hope your dad feels better soon. That’s part of aging.

  • Financial Samurai November 3, 2019, 9:17 pm

    A 14% YTD net worth is great! Anything over 10% is good at your level of net worth.

    My hope is to get +10% a year as well, but it’s hard since neither of us are working. This year, it looks like we will get lucky whoo hoo!


    • retirebyforty November 4, 2019, 2:03 pm

      I agree. Anything above 10% is really good for us. I’m very happy with it. Although, if we average in 2018, we’d get 7%. That year was a scratch.

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