FIRE Progress Report through February 2020

It’s been quite a month and the markets have been on a wild ride. Let’s see how that impact things.

The Money Related Numbers

29.79% (previously 30.78%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

101 months (previously 102)

The number of months until my 45th birthday and our finish date.

88.28 months (previously 88.97)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.51 times annual spending (previously 8.81)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

34.03% to minimum FIRE (previously 35.25%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

28.55 times annual spending at goal number (previously 28.63)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

61.87% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

76.88% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

65.86% of Gross Income Invested with Employer Contributions

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

81.84% of Net Income Invested With Employer Contributions

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

This month’s contribution numbers look really high, but that’s only because I invested some extra income from the business. You’ll notice that most numbers are relatively flat or down a little. Towards the end of February, we saw the markets drop pretty dramatically because of the coronavirus. I know it has impacted a lot of people. However, I think the markets are overreacting to something they probably don’t fully understand.

This is definitely a buying opportunity for people who are looking to retire in the future. Imagine you walk into a store and your favorite jeans are 10-20% off. Normally, they would never be on sale. Do you think “I shouldn’t buy those, but I should probably sell all my jeans at home?” Of course not. Instead of thinking “I’m losing money”, think “stocks are on sale.”

Nothing too unusual this month from an expense standpoint. Our monthly expenses only increased about 6% from last year. February is our lowest expense month. March was our second highest expense month last year, so we’ll see how we do in next month’s reports.

FIRE Progress Report through January 2020

Hopefully you had a Merry Christmas and are off to a great start in 2020.

The Money Related Numbers

30.78% (previously 29.32%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

102 months (previously 103)

The number of months until my 45th birthday and our finish date.

88.97 months (previously 93.88)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.81 times annual spending (previously 8.17)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

35.25% to minimum FIRE (previously 32.68%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

28.63 times annual spending at goal number (previously 27.87)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

30.63% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

38.55% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

34.62% of Gross Income Invested with Employer Contributions

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

43.58% of Net Income Invested With Employer Contributions

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

I realized this month that I wasn’t counting money saved in our HSA towards How Much We Invested. That is a change that I will start taking into account this month. Nothing is perfect, all I can do is tweak it over time. For what it’s worth, when I make money on other side projects, I include them in the amount we invest for the month, but don’t change the “amount earned” that I divide that number by. I always keep the “amount earned” based on my W2 income. Again, not a perfect way of calculating the number, but it’s purely an indicator for us to know how we’re doing.

For what it’s worth, this was a 3 paycheck month. We also had to pay property taxes, which is a normal January expense. We’re now paying our auto insurance once a year, which would have normally been in January. On the plus side our expenses for January were a little over $1400 less than January of 2019.

FIRE Progress Report through December 2019

fire

Hopefully you had a Merry Christmas and are off to a great start in 2020.

The Money Related Numbers

29.32% (previously 28.25%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

103 months (previously 104)

The number of months until my 45th birthday and our finish date.

93.88 months (previously 95.18)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.17 times annual spending (previously 8.10)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

32.68% to minimum FIRE (previously 32.29%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

27.87 times annual spending at goal number (previously 28.66)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

29.92% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

36.91% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

33.91% of Gross Income Invested with Employer

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

41.83% of Net Income Invested With Employee

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

In November, we bought new carpet, so our expenses were quite a bit higher than usual in that month. This month, we bought Christmas gifts and new couches, so expenses continued on an upward trend.

This rounds out a full year of tracking our expenses more accurately. From this point forward, we will hopefully see most of the expense related numbers level off. They may even improve assuming the markets continue on their current course. This year also saw a number of expenses that we normally wouldn’t have, such as carpet, furniture, and trips. Overall, I think this is a good starting point and should give us a good indicator of what we’ll be spending in the future. If we can save up enough to more than cover our expenses with investment returns, we should be in good shape well into the future.

It’s been a while since a market downturn or correction. If one does occur, we’ll continue our investment strategy to keep buying mutual fund shares at a discount.

Here’s to a great 2020!

FIRE Progress Report through November 2019

fire

Let’s dive right into the numbers for November.

The Money Related Numbers

28.25% (previously 26.84%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

104 months (previously 105)

The number of months until my 45th birthday and our finish date.

95.18 months (previously 96.44)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.10 times annual spending (previously 8.42)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

32.39% to minimum FIRE (previously 33.67%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

28.66 times annual spending at goal number (previously 31.36)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

39.78% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

48.71% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

43.77% of Gross Income Invested with Employer

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

53.59% of Net Income Invested With Employee

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

We should now have a full 12 month picture of our expenses for the year. All expense related numbers should be a bit more accurate going forward.

This month’s expenses include a weekend trip to Nashville and putting in some tile and new carpet downstairs. These were pretty large expenses, the carpet being much larger. It’s been something we’ve been putting off for quite some time, but we’re glad we did.

As for new income this month, the employee stock purchase program did it’s semi-annual stock purchase. This added a nice boost to this month’s income. The next time this will happen will in May.

FIRE Progress Report through October 2019

fire

Let’s dive right into the numbers for October.

The Money Related Numbers

26.84% (previously 25.84%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

105 months (previously 106)

The number of months until my 45th birthday and our finish date.

96.44 months (previously 98.75)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.42 times annual spending (previously 8.26)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

33.67% to minimum FIRE (previously 33.02%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

31.36 times annual spending at goal number (previously 31.94)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

31.03% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

37.99% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

35.03% of Gross Income Invested with Employer

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

42.89% of Net Income Invested With Employee

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

We’re still ramping up towards getting a full picture of our yearly expenses. Only a couple months away and we’ll have a full year of adjusted expenses.

This month’s unexpected expenses include a new 12V battery for the Prius and paying for our AirBnB for our trip to Nashville. It wasn’t a crazy amount, but were still expenses we wouldn’t normally have.

Most of our numbers improved this month because the market had a nice little run towards the end of the month. Next month, the Employee Stock Purchase Program will doing it’s semi-annual stock purchase, which will allow me to reinvest those dollars with a guaranteed return on the money I put into the program.

FIRE Progress Report through September 2019

fire

Let’s dive right into the numbers for September.

The Money Related Numbers

25.84% (previously 25.40%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

106 months (previously 107)

The number of months until my 45th birthday and our finish date.

98.75 months (previously 101.41)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.26 times annual spending (previously 8.34)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

33.02% to minimum FIRE (previously 33.35%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

31.94 times annual spending at goal number (previously 32.82)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

49.43% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

60.52% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

53.42% of Gross Income Invested with Employer

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

65.40% of Net Income Invested With Employee

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

The How Much We Invested numbers look great this month. However, that’s because I got paid for some side work and I don’t include that in my income side of the calculations. If you have a skill that you enjoy using and someone is willing to pay you for, use it. This will accelerate you debt pay down, investing, or simply meeting other financial goals.

Our expenses continue to climb every month. I’m optimistic that by the end of this year, they’ll begin to level off. As of December, we’ll have been tracking our expenses more accurately for a full year.

Finally, this month, I’d like to mention some expenses that we don’t normally have every month. First, I got my wife a new phone. She had used her old one for almost two and a half years. The battery still held a great charge, but it just couldn’t keep up anymore. We found a great deal on a new Moto Z3 Play direct from Motorola. Granted it’s last years model, but at a significant discount and comes with a full warranty.

We also purchased some plants to finish our landscaping. We had ripped out some old plants that had outgrown their space, moved all of the stone, and laid new weed barrier. It took several weekends but looks much better and the plants won’t look overgrown anymore.

Last but not least, winter is on its way. That means it was time to get the furnace and A/C tuned up. We generally do this every couple of years. It’s always a good sign when the technician opens it up and says “this looks brand new”.

I hope your autumn is off to a good start. My wife has picked up a seasonal job to raise enough money that we can replaces our downstairs carpet. It’s long overdue and one of the last remaining projects the house needs to feel “complete”.

FIRE Progress Report through August 2019

bonfire

Don’t worry, you’re not experiencing déjà vu. This is a new post. Starting this month, I’m changing the naming so that it coincides with how I track things. When I keep track of the numbers to report here, I always keep track of them with the month they occurred. For example, if I put $100 away on August 10, it goes torwards the month of August. However, I’ve been putting these posts out using the month I’m telling you the numbers, not the month the numbers actually occurred. Obviously, that gets confusing for me, and might confuse you when I mention Christmas in the January report. Going forward, the title of the post and the numbers will match to when things actually happened.

The Money Related Numbers

25.40% (previously 25.65%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

107 months (previously 108)

The number of months until my 45th birthday and our finish date.

101.41 months (previously 102.62)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.34 times annual spending (previously 8.66)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

33.35% to minimum FIRE (previously 34.63%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

32.82 times annual spending at goal number (previously 33.75)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

29.38% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

35.74% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

33.38% of Gross Income Invested with Employer

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

40.60% of Net Income Invested With Employee

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

August was another 3 month paycheck, which means we automatically put away more this month. Our expenses continue to climb until they will eventually level off in December due to the the fact that I started counting them more accurately last December.

I’ve changed the How Much We Saved section to be How Much We Invested and I started tracking new numbers. I’ve saved off the numbers I was publishing in previous months and I’m now using those to track future progress based on how much we’ve invested on average over the last 6 months. In the past, I came up with an estimated number and used that for future projects. This should be more accurate over time.

You’ll notice that the How Much We Invested are now percentages. I thought that posting actual numbers may not be as encouraging when people are looking at them and might be thinking “I could never save that much”. However, when it’s all relative (such as a percentage of income), it potentially becomes more achievable. The other goal numbers that I’ve been posting have always been relative to either our target numbers or our expenses, so now I’m simply making that consistent across the board.

FIRE Progress Report – August 2019

fire

The Money Related Numbers

25.65% (previously 25.16%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

108 months (previously 109)

The number of months until my 45th birthday and our finish date.

102.62 months (previously 104.23)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.66 times annual spending (previously 8.45)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

34.63% to minimum FIRE (previously 33.81%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

33.75 times annual spending at goal number (previously 33.61)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

Where We Saved This Month

401k – $1882 total (employee and employer)

HSA – $430

Roth IRA – $1000

ESPP – $495

Taxable Investments – $235

What’s Happened and What’s Happening

Surprisingly, all of our numbers moved in a positive direction this month. That’s great news and most likely due to the markets hitting record highs.

Our expenses for last month were lower than they were the previous year. This is the first time that’s happened in a while. There were several factors that probably helped with that. We changed our homeowners and car insurance and paid it the previous month. We also cancelled a cruise we had planned for January and got our deposit back.

On the expense side, as is true every year this time, our property taxes were paid. Finally, we had some regular maintenance to do on our 2006 Toyota Prius. It crossed the 250,000 mile mark this month! I ran some numbers and realized that we’ve put over 20,000 miles a year on average on it since we bought it.

Next month is a 3 paycheck month. We’ve decided to take the extra paycheck and split it across three different things: saving to replace a car, house projects, and vacations or trips. We keep separate budget categories for each one. We used to throw it all into one savings account, but then we would question whether paying for maintenance on the car would jeopardize our ability to pay for an upcoming vacation. By separating it, that’s no longer a concern.

FIRE Progress Report – July 2019

Fireworks

The Money Related Numbers

25.16% (previously 23.26%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

109 months (previously 110)

The number of months until my 45th birthday and our finish date.

104.23 months (previously 108.50)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.45 times annual spending (previously 8.23)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

33.81% to minimum FIRE (previously 32.91%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

33.61 times annual spending at goal number (previously 35.37)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

Where We Saved This Month

401k – $1882 total (employee and employer)

HSA – $430

Roth IRA – $1000

ESPP – $495

Taxable Investments – $667

What’s Happened and What’s Happening

We’re continuing to see our money related numbers move in a positive direction, while our expense related numbers decline. We probably won’t see our expenses start to level off until about December and we get a full year of tracking our expenses more accurately under our belt. Overall, this will be positive change in calculating our retirement numbers, but it doesn’t look good in the meantime.

One of the larger expenses this month was our car and homeowner’s insurance. We can expect it to be this way each year in June for the foreseeable future. We also had a couple of short excursions that added to our expenses. It’s not worth living like a hermit just to reach financial goals. If it adds to our quality of life, we’ll spend money on it.

That being said, we’ve started to accumulate experiences more than things. “Stuff” gives you a temporary satisfaction, but you can talk about experiences and get excited about them for a long time before and after they happen.

The stock market continues to move in a positive direction, which will continue to bolster our numbers until a correction occurs. At that point, we’ll be buying at a discount and stick to the plan so we can take advantage of any recovery that occurs.

FIRE Progress Report – June 2019

fire

The Money Related Numbers

23.26% (previously 24.10%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

110 months (previously 111)

The number of months until my 45th birthday and our finish date.

108.50 months (previously 106.61)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

8.23 times annual spending (previously 8.71)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

32.91% to minimum FIRE (previously 34.88%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

35.37 times annual spending at goal number (previously 36.19)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

Where We Saved This Month

401k – $1882 total (employee and employer)

HSA – $430

Roth IRA – $1000

ESPP – $495

Taxable Investments – $2061

What’s Happened and What’s Happening

This last month saw a slump in the markets which made all of our numbers move in the opposite direction. On the bright side, all fund purchases while the markets are down are purchased on sale!

We also had a windfall in the Taxable Investments category due to the employee stock purchase program coming in this month. I calculated this number by doing some rough calculations to determine how much was gained over what was put in. This last 6 months was great, but the next 6 months might only be average. Since I’ve been putting in the ESPP numbers in the previous updates, it didn’t seem right to put it under Taxable Investments and double count it. Essentially all of the ESPP proceeds were moved into our taxable investments at Vanguard instead of leaving it in company stock, which could be volatile.

We reevaluated our auto and homeowner’s insurance this past month and were able to find a better deal. For years. our homeowner’s insurance has been increasing by quite a bit, but we haven’t been able to find a better deal because our auto insurance was incredibly competitive. This year we finally found a better deal and have combined them under one company again.