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September 2018 Goals and Financial Update

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September 2018 Goals and Financial UpdateAutumn is here! The weather is cooler and the leaves are starting to fall. This is a great time of the year in the Pacific Northwest. We finally get some relief from the hot summer days and forest fires. School has started and the kids are all busy with various activities. And we have the holidays to look forward to. September was a pretty good month for us. Here are a few things that happened.

School – RB40Jr got used to going to school again. The first couple of weeks were pretty rough. This year (2nd grade) he has more homework than last year and he spent more time whining about it than doing math, reading for 20 minutes, and putting his homework sheet into his backpack. By the end of September, he finally got into the routine and stopped complaining so much. I kept telling him to just do it and get it over with. There is no use wasting time and whining about it.

Personal adversity – My mom was having problems with dementia in September. We’re still trying to figure out what’s best for her. You can read more about this adversity here.

Intermittent Fasting – I’ve been intermittent fasting for about a month. I skip breakfast on the weekdays. This means I fast for 16 hours, 5 days every week. I also try to exercise on those days before lunch. It seems to be working and my weight has decreased from 138.6 lbs. to 134 lbs. in September. That’s pretty good. I’ll keep at it and see if I can get down to 125 lbs. Mrs. RB40 isn’t quite ready to try intermittent fasting yet, but she has been very supportive.

Finance – We had a really good month financially. Our income was great and our expenses were very low. We usually do pretty well in the fall as we hunker down more at home. There are just fewer things to do, but we’re happy with that. All of us need a breather from constant activities. Our net worth increased a little bit and I’m happy with that. I won’t complain as long as it doesn’t go down.

Okay, I’ll go over my 2018 goals first and then share the details of our net worth and cash flow.

2018 Goals

This is my goal scheduling spreadsheet. Last year, I found that I needed to start these goals in the first half of the year. If I wait until summer, they just won’t get done. 2018 isn’t looking too good because the goals are more ambitious than previous years. You can get a quick status update from the chart and see the details below.

2018 Goals and Financial Update

Financial Goals

  1. Increase our real estate crowdfunding investment to $100,000. September was a slow month with real estate crowdfunding. Only one project paid out and we collected just $40.I’m halfway to my $100,000 goal. I’ll keep working on it in Q4. You can read more about my investments at the real estate crowdfunding page. Sign up with RealtyShares and see what projects are available.
  2. FI ratio > 100%. The FI ratio is passive income divided by expense. So far, our FI ratio is 79for 2018. This year is not looking good because our expense is higher than normal due to a major home repair and a pricey vacation. Some years are just harder than others. This year is going to be one of those and we need to learn from it.
  3. Increase bond/cash allocation to 30%. Going to 30% bond/cash will beef up our opportunity fund. This is very slow going because I’m not in a big hurry. Currently, our bond/cash allocation is up to 23%. That’s not too bad. The US economy is doing pretty well so I might delay this change for a while.
  4. Travel hack 100,000 points. Finally, we finished a goal! We signed up for some new credit cards and collected quite a few points. These points will come in handy for our vacation next year. It looks like I’ll have to go to Thailand a couple of times in 2019.

Blog Goals

  1. Minor Redesign RB40. This one is really difficult to do because I can’t seem to budget time for it. It’s already tough to write and keep the site running. In May, I switched the site to https. That’s a big part of what I wanted to do this year. In August, I started working on the banner and logo. I’ll talk to a logo designer and get that wrapped up by the end of October. I’ll probably ask your opinion on Twitter soon so keep an eye out for it.
  2. Blog 12 times at Fit by 40. This one is way behind now. I’m just not motivated to write about fitness this year even though I’m keeping a log for intermittent fasting. That’ll be good material when I’m ready to write about fitness again. For now, I’ll keep FB40 as a test site for the redesign. You can see how I started the site here – How to Start a Blog and Why You Should.
  3. Blog revenue $100,000. This one is going to be very difficult so I’m grading it on the academic scale. Also, I changed the goal from blog “income” to blog “revenue.” Income is after taxes and expenses. Revenue is just gross income. Retire by 40 generated $66,781 so far in 2018. That’s actually really good. You can see more detail on my Blog Income page.

Personal Goals

  1. Join Toastmasters. I visited a local club and it was a good experience. However, there are too many things going on right now. My mom needs help with her health. Also, when school was out during the summer, I spent more time with RB40Jr. I just can’t squeeze Toastmasters into my schedule. This will have to be put off until RB40Jr is a lot more independent.
  2. Not paying for leaf removal. Showdown in November.
  3. Consolidate down to one property. We plan to move into our rental duplex and sell off the other 2 properties. This one will definitely take more than one year. I changed the due date to 2020.

Fun Goal

  1. Visit Iceland. Iceland was incredible. I got some nice pictures so check out my Iceland trip report

Net Worth (+3.5% YTD)

I’ve been tracking our net worth since 2006 and it is very motivating to see the progress we’ve made. 2018 has been uneven for us. The US stock market is doing well, but bonds and international equity are down. Our net worth is up 3.5% since the beginning of the year. That’s lower than I’d like, but I’m fine with it. At this point, I’m being more conservative and I don’t mind giving up some gains. I’ll be happy with 5% gains this year.

My bet with Warren Buffett – I’ll benchmark our net worth against VFINX for 10 years starting in 2018. VFINX is up 8% since the beginning of 2018. Our net worth is up just 3.5% so we’re behind significantly. Our net worth is diverse so it does better when the market drops. It’s early in the race yet. Also, I haven’t updated our property prices in over a year so that part of our net worth is probably a bit low.

Here is a graph of our net worth on Personal Capital. 2018 has been lackluster for us.

2018 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 my accounts and cash flow. It’s a great site for DIY investors.

2018 Passive Income ($38,722 YTD)

Here is a quick summary of our passive income. You can see all the details on my new Passive Income page. We had a slow start in 2018 because one of our rentals was vacant for the first 2 months. It’s occupied now so the passive income is looking better. Hopefully, it’ll be smooth sailing for the rest of 2018.

The only trouble spot now is P2P lending. We’re seeing more defaults and the interest payments aren’t enough to overcome the hits. If we reinvest in P2P lending, it would look better. However, I like real estate crowdfunding much more so I’m investing new money there.

September 2018 Cash Flow

Our cash flow was excellent in September. The income was higher than usual. My online income was great and our dividend income was really good too. The 3rd month of the quarter is always great for dividend income. We did really well on the expense side too. September was our most frugal month of 2018 so far. Our cash flow came together very well last month. You can see the detail in the spending section.

Here is my Sankey diagram for a quick look.

September 2018 Cash Flow

Take Home Income (target > $10,000)

For 2018, our monthly take-home income target is $10,000. We exceeded this goal in September. Our take home was $11,309 after taxes and retirement savings. (I had to put retirement savings in the expense column in the Sankey diagram.)

  • Mrs. RB40’s paychecks: $5,678.
  • Blog Income: $8,255. This is about 20% higher than normal. 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 Income: $1,014. All our rentals are occupied and we didn’t have any big repairs last month. Read more at the Rental Property Passive Income page.
  • Dividend Income: $1,025. More details at my Dividend Passive Income page.
  • Real estate crowdfunding: $40. We’re finally getting some traction here. Read more at my Real Estate Crowdfunding Passive Income page.
  • Prosper P2P lending: $26.
  • Interest Income: $26.
  • Misc: $175. I participated in an online discussion about helping your parent. It took less than 2 hours total. Score!
  • Refund: $127. Mrs. RB40 returned something.

Monthly Expenses (target > $4,800)

For 2018, our monthly spending budget is $4,800/month, an increase of $300 from 2017. This does not include contributions to 401k, Roth IRA, and college savings. This year has been really tough and we went over budget many times already. We did really well in September, though. We spent just $3,498. That’s way below our budget. It’ll be tough to keep this up with the upcoming holiday season.

  • Housing: $2,365. Our housing expense is getting spendy. This category is over 50% of our spending most months. This includes mortgage, HOA fees, and property taxes.
  • Groceries: $563. We spent a bit more than average on groceries this month. We’re trying to eat healthier and that means spending more. I didn’t cook too many exciting dishes last month. Here are some.

shishito peppers

Shishito peppers and figs from the farmer market. The shishito peppers are really easy to prepare. I just sautéed it with EVOO, salt, and pepper. This is a great side dish for any occasion.

Kalbi sliders

Kalbi sliders with Hawaiian sweet rolls. This one was a big hit with RB40Jr. They are much better than your run of the mill sliders. The other dish was Keema Curry, a Japanese style ground beef curry. We really enjoyed this one, too. The flavor is spot on and it’s super easy to make.

lentil

Lentil bowl – the family will have to learn to like lentils. We’re trying to eat healthier and legumes are a big part of that effort. The next dishes are from when I took my mom to lunch at Rose VL, Portland’s best noodle soup joint. They only make 2 noodle soups every day and they are awesome. I had the crab flake soup and my mom had the shrimp cake soup. Don’t miss it if you ever visit Portland. Follow me on Instagram if you’d like to see more of my unglamorous early retirement lifestyle.

  • Transportation: $74. We share one car and we usually don’t drive much. This is 2 tanks of gas and parking.
  • Kid: $105. I signed RB40Jr up for basketball at our community center. He needs to learn how to play. I also got him a small LEGO set as a reward for not frowning during his school picture day photo.
  • Pet: $30.
  • Bills: $244. Electricity and insurance (auto, home, term life, and umbrella.)
  • Health: $100. Gym membership fee. I got 2 big packages of Retaine, preservative-free artificial tears. I really need these for the days I work on the computer.
  • Travel: $40. We took a day trip to Hood River, OR. It was a nice short getaway.
  • Clothing: $0.
  • Misc: $81. I got a Himalayan salt lamp for my mom. She needs more light at night now. We also got a small mattress for RB40Jr. He moved into our room and we needed a small mattress for him. He used to share a room with my mom, but it doesn’t work anymore.
  • Pre-Tax Savings: $2,930. I contributed $1,500 to my 401k. Mrs. RB40 contributed $1,430 to hers.
  • Extra Savings: $7,811.

2018 Savings

We saved $79,329 so far in 2018. The saving rate is about 55%, not too shabby! (Saving rate is just savings/total income before taxes and deductions.)

  • 401k: $30,699
  • Roth IRA: $11,000
  • 529 college savings: $4,600
  • Extra savings: $33,030

Some of the extra savings was used to pay tax to the IRS in April. The rest is mostly invested in real estate crowdfunding.

September 2018 Wrap Up

All in all, September was a great month. We had some challenges, but we’re staying positive and we’ll work through them. That’s just life. Our finances were excellent, though. We just need to keep this up for a few more months and our FI ratio will improve quite a bit. Maybe we’ll get into the 90s% by the end of the year. I’m optimistic. Hopefully, we can avoid overspending over the holiday season. We’ll see how it goes.

Did you have a good September? Do you have any big plans for next month? We’ll probably continue to hunker down in October.

*Sign up for a free account at Personal Capital to help manage your investments. I log in almost every day to check on my accounts and cash flow. 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.

September was a great month for us. Our income was higher than usual and our spending was quite low. See all the details at Retire by 40.
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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, he hated the corporate BS. He left his engineering career behind to become a stay-at-home dad/blogger at 38. At Retire by 40, Joe focuses on financial independence, early retirement, investing, saving, and passive income.

For 2018, Joe plans to diversify his passive income by investing in US heartland real estate through RealtyShares. He has 3 rental units in Portland and he believes the local market is getting overpriced.

Joe 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 every investor analyze their portfolio and plan for retirement.
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{ 49 comments… add one }
  • Mr. Tako October 1, 2018, 12:25 am

    Wow, great month Joe! You guys are really killing it! Between your wife’s income, your passive income, and your blog income, I bet you’ll save over $100k this year.

    Impressive numbers to say the least! Sorry to hear things aren’t going great with your mom though. I’m sure you’ll figure out a better situation for her soon.

    • retirebyforty October 1, 2018, 9:48 am

      Thanks! It looks good in 2018. The income engine is firing on all cylinders now.
      We’ll stay positive and figure out the best solution for my mom. It’s tough, but we just have to deal with it.

  • The Poor Swiss October 1, 2018, 12:58 am

    Congratulations on a very nice month! All you numbers are really awesome.

    And very good looking food, miam!

    • retirebyforty October 1, 2018, 9:50 am

      Thanks! The numbers worked out really well in September. Hopefully, we can keep it up for the rest of 2018.

  • Ernie Zelinski October 1, 2018, 1:09 am

    Great:

    I am really impressed by your saving rate of “about 55%” and your travel hacking of 266,000 points, not to mention “I fast for 16 hours, 5 days every week.”

    As for me, I will have gone through somewhere between $77,000 and $80,000 in cash between August 15 and October 15. Keep in mind that I only earned about a grand total of $75,000 to $80,000 from the start of 1981 to the start of 1991, an annual average income of $7,500 to $8,000 for ten years straight.

    My biggest accomplishment for September was working on “The Joy of Being Retired: 365 Reasons Why Retirement Rocks – and Work Sucks!” I have got about two thirds of the book laid out for the print edition. I sent the PDF of the manuscript to a financial advisor friend in Toronto and he loves the book. He has already committed to buying 2oo copies for his clients when I bring the print edition out. Fact is, 200 copies may not seem like a lot of copies but most authors today bringing out a book don’t create more than 200 copies selling in the lifetime of the book – and that is mainly to friends, acquaintances, and relatives.

    • retirebyforty October 1, 2018, 9:52 am

      Wow, you’re spending a lot of cash. That’s for business, right?
      I’m looking forward to your new book. It sounds great.

  • The Family Escapes October 1, 2018, 1:30 am

    Great month! It’s a shame you haven’t been able to write as much as you wanted for the other blog – I look forward to reading about the results of the fasting diet!!

    • retirebyforty October 1, 2018, 12:32 pm

      Intermittent fasting isn’t a diet. It’s a different eating habit. I’ll try to stick with it for the long term. Thanks!

  • Dave @ Accidental FIRE October 1, 2018, 2:15 am

    Great job Joe, intermittent fasting takes a lot of discipline. I’d like to try it since it would be really hard for me.

    • retirebyforty October 1, 2018, 12:33 pm

      I thought it’d be difficult too, but it turned out to be pretty easy. Once I got used to the new eating schedule, it’s pretty routine.

  • TJ @Half Life Theory October 1, 2018, 2:43 am

    Wow! Awesome job Joe, you guys are doing amazing! The blog income is really looking great if I do say so myself lol.

    Very impressive numbers all around too…. doing awesome man! Again, sorry to hear you about your mom. Toastmasters is definitely a great investment, but obviously family comes first.

    Talk to you soon man!

    • retirebyforty October 1, 2018, 12:36 pm

      Thank you! All our income streams are doing very well this year. 2018 has been exemplary.
      It’s hard with blog income. There is always someone who is doing better.
      I’d love to join Toastmasters someday. Best wishes with your challenges too.

  • Caroline October 1, 2018, 3:30 am

    Great job on the weight loss Joe! 125 lbs doesn’t sound like much:)
    And once again, your blog income is crazy amazing! That’s awesome. Lots of people don’t even make that much “working”.
    I hope things settle down a bit with your mom in October.
    My September was pretty good, but don’t have all the numbers yet! My son’s track & field fee was $820!!! Bigger kids , bigger expenses maybe:)

    • retirebyforty October 1, 2018, 12:37 pm

      That’s my high school weight. I don’t know if I can get down that low, but I’ll try. 🙂
      Wow, your son’s track & field fee was expensive. We’ll see how it goes for our son.
      He’s not that great so he’ll probably be in the rec league. I hope the rec leagues stay relatively cheap as he grows up.
      Thank you!

  • Xrayvsn October 1, 2018, 4:20 am

    It is great that you pointed out that some years are more expensive than others with things that are out of your hands as well as things that are in your control (like vacations). But you can adapt and carry on with your long term plans because hopefully you have built buffers into the system for this very scenario.

    It is nice to see examples of you how you laid out goals and demonstrate that you don’t have to meet every single one of them to still be considered a success. As I have written before Toastmasters is quite an incredible opportunity to improve one self, my girlfriend has joined and the change in confidence she has with public speaking etc is remarkable. Hopefully that is a goal you can cross off your list sometime in the future.

    • retirebyforty October 1, 2018, 1:40 pm

      This year is a bit tough with the goals. They are more difficult than in the past, but I think that’s good too. When you aim high, you won’t accomplish the goals all the time. I like Toastmasters too. Hopefully, I’ll be able to join in the future. Thanks!

  • Mrs. Groovy October 1, 2018, 4:53 am

    Another good month Joe!
    Our major coup this month was getting our first decent rewards card, the Chase Sapphire. I thought we’d have a tough time without jobs and a low income stream but we got instant approval. Expenses are still low as we’re living with family and haven’t had the time or focus for travel while the house build is underway. We should be in by the end of October/beginning of November.

    • retirebyforty October 1, 2018, 1:41 pm

      Great job! I want to get another card or two soon too. Our property tax bill is due in November so why not get some points?

  • Angela @ Tread Lightly Retire Early October 1, 2018, 5:32 am

    Okay, that restaurant is on my list the next time I visit Portland. And I need to get on opening a new travel card. It’s been a while. Since we tend to travel with a group we can go through quite a few points for one trip.

    • retirebyforty October 1, 2018, 1:42 pm

      Rose VL is awesome. It’s one of my favorite restaurant in Portland. They get busy on the weekend, but it’s not too bad on the weekdays.
      Good luck with the new card!

  • Lazy Man and Money October 1, 2018, 6:25 am

    I like the comment that the family will just have to learn to like lentils :-). I’ve learned to like them in some things. However, this reminded me that I haven’t made chili in years. I need to look into doing that again as it can be pretty frugal and healthy.

    Congrats on the big month. Looking forward to the leaf showdown in November :-).

    • retirebyforty October 2, 2018, 7:04 am

      I really need to find more ways to cook lentils. They’re very healthy and I just need to figure out how to make them taste better…

  • Tom @ Dividends Diversify October 1, 2018, 6:57 am

    Joe, I thought by cutting back your post frequency your blog revenue goal would take a hit, but it just seems like RB40 keeps printing money. So impressive and good for you!. Tom

    • retirebyforty October 2, 2018, 7:05 am

      Summer is always slow anyway. It didn’t really make a huge difference.

  • Ms. Frugal Asian Finance October 1, 2018, 7:38 am

    Nice blog income, Joe! I have mixed feelings about the fall. I definitely enjoy the cooler weather. But I also miss the fun activities in the summer, especially potlucks and picnics hehe.

    The soup in the last pic looks really good! It looks like a traditional Vietnamese crab vermicelli soup. Can you believe 2018 is coming to an end? I’m starting to feel sad already 🙁

    • retirebyforty October 2, 2018, 7:07 am

      We love summer too, but Mrs. RB40 likes the fall better. She gets a chance to stay home and putter around. In the summer, we’re always out and about. 🙂 The soup was awesome. I love that shop.

  • gayle October 1, 2018, 8:51 am

    Great month you had !!! great job ! I have a question for you..needing your opinion..I have a house 50 miles south of Chicago small town right off major highway..Its an older house..but have done extensive gut job to bathroom and kitchen and new drywall..I initally bought it for my daughter but she is moving closer to Chicago.. I only owe $19 grand on it taxes are 1900 yearly.. I believe it might be hard to get good tenants out there..would you hold it and continue to rent it and pay off, or sell it and move $$ to better area..?? I could rent it for $1200. Thanks in advance for your advice 🙂

    • retirebyforty October 2, 2018, 7:11 am

      I think you should join BiggerPockets and try to get some advice there.
      As for me, I’d sell it. I usually manage the rentals myself and 50 miles is just too far away.
      I have too many things going on right now to deal with a long distance rental.
      If you can get a good property manager, it might be a keeper. The number looks really good.

  • Helen October 1, 2018, 8:58 am

    Hi Joe, another good month. Fall is a pretty season, and I fall in love with the colorful tree leaves every fall. I keep begging: slow down, Fall, don’t go away, as I don’t like the long winter. The food looks so good. Enjoy the season!

    • retirebyforty October 2, 2018, 7:12 am

      Thanks! Fall is nice in Portland too. But I hate dealing with the leaves. That’s no fun.

  • Mrs. 50 October 1, 2018, 9:03 am

    Wow, Joe! Congratulations! You guys are amazing. I’m really impressed by your intermittent fasting and the blog revenue (not to mention that 266,000 travel points). 125 lb doesn’t sound like much. I need to lose weight. Knowing your goal weight is really opening my eyes and giving me a perspective. I really need to lost weight. I gained a ton after having the baby. And your $8,255 blog income is impressive! Many people don’t even earn that much from their full-time jobs, me included.

    Looking forward to see your end-year goal, Joe. It”s also nice to see that you don’t need to achieve all the goals to become successful. Thanks for the inspiration.

    PS: your foods look amazing! Making me hungry 🙂

    • retirebyforty October 2, 2018, 7:14 am

      Intermittent fasting isn’t that difficult. Once you get used to it, it’s just routine. You should try it. I heard it’s harder on female for some reason. I really need to lose weight too.
      Thanks!

  • Revanche @ A Gai Shan Life October 1, 2018, 9:11 am

    “Stop complaining and just do it” is a common phrase in our home too. 🙂

    Good thing you bulked up on those miles/points, it’ll be good to have a pool of them to draw on for your trips to Thailand.

    • retirebyforty October 2, 2018, 7:15 am

      Yeah, kids. They need to learn that complaining doesn’t help anything.

  • mary w October 1, 2018, 10:21 am

    Lentils and TVP (textured vegetable protein) can also be used to s-t-r-e-a-c-h other meat. Cooked lentils or reconstituted TVP can be mixed 1/2 and 1/2 with cooked ground beef in tacos, chili, sloppy Joes, etc. Seasoning is the key since neither lentils or TVP has much flavor.

    • retirebyforty October 2, 2018, 7:17 am

      Sure, we can try that. Chili should work with lentil. The goal is to reduce meat so stretching would help a bit. We’ll try to move to more vegetarian meals.

  • freddy smidlap October 1, 2018, 11:39 am

    good idea to get the little guy into some basketball. it’s great having a skill and be able to bust it out any time in adulthood, even if it’s a rusty skill. looks like you’re a good cook. we make a different bean every week too. i’ve been thinking of an umbrella policy as we grow our assets. is it over and above all the insurances like health, auto, home?

    • retirebyforty October 2, 2018, 7:19 am

      I moved to the US when I was 12 and didn’t know anything about basketball. That made it tough in PE. I just want our son to learn the basics so he knows the rule. It’s a fun game.
      An umbrella policy is a good idea especially if you have rentals. If someone slips on the sidewalk and sue, the umbrella policy should cover it. You should do some research and see if it’d help.

  • Eric @ Flip n Finances October 1, 2018, 12:42 pm

    Thanks for always have such a detailed monthly review! I really enjoy reading through it. You’re only 21% from FI! You will reach it before you even know it!

  • FIRECracker October 1, 2018, 2:36 pm

    Very in awe of your positive attitude despite the adversity you are facing with your mom’s condition. Sending you lots of positive vibes and good thoughts!

    Oh and congrats on this “Retire by 40 generated $66,781 so far in 2018.” That’s amazing income! Keep up the good work.

  • Financial Orchid October 1, 2018, 4:21 pm

    Pretty sure most of us are in awe with your amazing blog income. Though I have an inkling finances are at a lower priority for you right now.

    At least RB Jr looks healthy and lively!

  • The Beacon October 1, 2018, 7:50 pm

    Long time reader and first time poster here.
    Finally I worked up my courage and started my own blog after reading your “How to Start a Blog and Why You Should”. I figured I would need something to work after FIRE, as we drew close to our numbers.

  • Cubert October 2, 2018, 4:27 am

    Joe! You inspire us with your diligence and goal-setting. It goes to show that early retirement is far from hanging back and swinging in a hammock all day long.

    Keep up the great work. When it comes to leaf removal – I’m betting that’s for gutters? You can hack that. Install those sheet-metal screens and you’ll never have to clean a gutter again. 🙂

  • Steve @ familyonfire.org October 2, 2018, 2:07 pm

    Looks like another great month. The effort into the blog is really paying off.

  • Penny @ She Picks Up Pennies October 2, 2018, 6:11 pm

    This was an awesome month! I LOLed at the grading on an academic scale piece 🙂 I would also be lying if I didn’t admit that at least a small part of why I’m here is the food photos. Hope October is a good one too!

  • MrMoneyBanks October 3, 2018, 5:36 am

    Jeez man! $67k in blog revenue is really impressive! Certainly not to be sniffed at. Seems like you’re doing something right if you’re earning this much. Looks to me like you need just a bit of luck to tip you over the edge!

  • Independence Engineered October 3, 2018, 6:33 pm

    Great work! Reports like these give me motivation to work my tail off and keep focused.

    Amazing job on the travel hacking also!

    Thanks for being transparent!

  • GYM October 8, 2018, 3:11 pm

    Your food pics look amazing and good job on the blog income front! I like the idea of kalbi sliders- I am going to have to give that a try.

    Rose VL- that sounds delicious- last time we were in Portland we went to a Vietnamese restaurant that was green on the inside from what I recall. I completely forgot the name now! It was kind of in a quieter area of Portland.

    • retirebyforty October 10, 2018, 9:22 am

      Thanks! The kalbi sliders were a hit with Junior. Try it.
      I’m going to take my brother to Rose VL tomorrow. Their soups are so good.

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