Friday, November 1, 2019

October 2019 Net Worth




All figures except my Jeep value are generated from Mint.com.

Well I finally broke through through hit a new net worth high for the year and hopefully I won't drop back down below $900,000 for a while.

My checking account is quite a bit higher because I sold off some positions. I plan to reinvest back into either the markets or perhaps start refunding my Lending Club Account. I never did earn more that about 6% on it, but with interest rates falling my maturing CDs will most likely fall below 2% when they renew and a fairly steady 6% income stream is perfect for me right now.

My current net worth of $904,935 is $28,008 higher than last October's $876,927. What makes this even more amazing is that I also spent $34,800 in cash to fund my lifestyle while making $0 in traditional day job earnings. This is escape velocity in real time and I LOVE IT!!

I also should note that my net worth despite spending over $60,000 during the last 20 months with again, ZERO day job income, has only dropped $1,000 since I retired at the end of Feb 2018.

Here is my net worth summary from October.

Assets

Checking --- $54,879
Savings/Investments --- $427,870
Lending Club --- $419
HSA --- $2,015
IRA --- $10,578
401K --- $393,263
2014 Jeep Wrangler --- $19,000


Liabilities

$3,089

Net Worth

$904,935


YTD Totals

2019      

 ***Jan 1,2019 --- 864,816***

Jan 31, 2019 --- $887,560
Feb 28. 2019 --- $895,998

Mar 31, 2019 --- $899,902
Apr 30, 2019 --- $904,190

May 31, 2019 --- $880,455
June 30, 2019 --- $894,816

July 31, 2019 --- 898,515
Aug 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639
Oct 31, 2019 --- $904,935


2018

Jan 2018 --- $917,116
Feb 2018 --- $910,667

Mar 2018 --- $909,746
Apr 2018 --- $903,416

May 2018 --- $889,032
Jun 2018 --- $893,278

Jul 2018 --- $892,002
Aug 2018 --- $896,619

Sep 2018 --- $899,763
Oct 2018 --- $876,927

Nov 2018 --- $891,402
Dec 2018 --- $864,613


2017

May 2017 --- $835,009
July 2017 --- $851,904 


Aug 2017 --- $860,072
Sept 2017 --- $869,374

Oct 2017 --- $887,033
Nov 2017 --- $897,145

Dec 2017 --- $914,266


There is no down time when building a path that doesn't lead back to ZERO

Friday, October 25, 2019

September 2019 Passive Income




Here is the passive income I received from both taxable and retirement accounts.


Taxable Account

  • Amegy CD --- $592.78
  • ABALX --- $354.78
  • SO --- $64.06
  • F --- $52.50
  • XOM --- $52.48
  • IBM --- $41.03
  • KHC --- $36.26
  • LB --- $30.54

Retirement Account

  • 65/35 S&P 500/Bonds --- $1242.38

Total September 2019 passive income is $2,466.81

Great income month with almost 50% coming from taxable and 50% coming from my 401k. I also had another great CD income month. 

I have been shuffling my portfolio around a bit lately and will adjust my holdings on my dividend sheet page soon. 

DEFY MEDIOCRITY

Tuesday, October 1, 2019

September 2019 Net Worth




All figures except my Jeep value are generated from Mint.com.

After 19 months of retirement, I'm right on the $900,000 mark. It's amazing how that number seems to be where my assets hover. My all-time high net worth was a hair over 917,000 a month before retirement and my post retirement month-end low was at the end of 2018 around $864,000. Most months I wind up between $885k and $900k.

Well the more things change, the more they same the same, I guess.

Anyway here are the net worth numbers for September.

Assets

Checking --- $2,400
Savings/Investments --- $476,871
Lending Club --- $524
HSA --- $2,315
IRA --- $10,422
401K --- $388,607
2014 Jeep Wrangler --- $19,500


Liabilities

$3,549

Net Worth

$900,639


YTD Totals

2019      

 ***Jan 1,2019 --- 864,816***

Jan 31, 2019 --- $887,560
Feb 28. 2019 --- $895,998

Mar 31, 2019 --- $899,902
Apr 30, 2019 --- $904,190

May 31, 2019 --- $880,455
June 30, 2019 --- $894,816

July 31, 2019 --- 898,515
Aug 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639


2018

Jan 2018 --- $917,116
Feb 2018 --- $910,667

Mar 2018 --- $909,746
Apr 2018 --- $903,416

May 2018 --- $889,032
Jun 2018 --- $893,278

Jul 2018 --- $892,002
Aug 2018 --- $896,619

Sep 2018 --- $899,763
Oct 2018 --- $876,927

Nov 2018 --- $891,402
Dec 2018 --- $864,613


2017

May 2017 --- $835,009
July 2017 --- $851,904 


Aug 2017 --- $860,072
Sept 2017 --- $869,374

Oct 2017 --- $887,033
Nov 2017 --- $897,145

Dec 2017 --- $914,266


There is no down time when building a path that doesn't lead back to ZERO

Thursday, September 19, 2019

Recent Buy --- MO




Today I added a few more shares to my MO position.


  • MO:  30 shares @ $39.40 --- Yield  8.53%

Total capital invested is $1182.00 and will add $100.80 to my yearly dividends.

I will add more aggressively if MO reaches 10% or higher.

DEFY MEDIOCRITY


Thursday, September 12, 2019

August 2019 Net Worth




All figures except my Jeep value are generated from Mint.com.

This net worth entry completes 18 months of retirement and more importantly the most memorable 18 months since back in my school days. When time is spent with loved ones, building a healthy mind and body, and creating memories....life become exceptional.

The numbers were little changed from last month and I continue to flow between the $880s and $900k. 

We just spent a week in Frisco, Carmel, and Sacramento and the weather was phenomenal. We took advantage of travel points earned with credit card bonuses. Carmel was the highlight of the trip and I would highly recommend vacation time there to anyone.

Anyway here are the net worth numbers for August.

Assets

Checking --- $1590
Savings/Investments --- $479,023
Lending Club --- $699
HSA --- $2,101
IRA --- $10,208
401K --- $384,888
2014 Jeep Wrangler --- $20,000


Liabilities

$3,549

Net Worth

$894,960


YTD Totals

2019      

 ***Jan 1,2019 --- 864,816***

Jan 31, 2019 --- $887,560
Feb 28. 2019 --- $895,998

Mar 31, 2019 --- $899,902
Apr 30, 2019 --- $904,190

May 31, 2019 --- $880,455
June 30, 2019 --- $894,816

July 31, 2019 --- 898,515
Aug 2019 --- $894,960


2018

Jan 2018 --- $917,116
Feb 2018 --- $910,667

Mar 2018 --- $909,746
Apr 2018 --- $903,416

May 2018 --- $889,032
Jun 2018 --- $893,278

Jul 2018 --- $892,002
Aug 2018 --- $896,619

Sep 2018 --- $899,763
Oct 2018 --- $876,927

Nov 2018 --- $891,402
Dec 2018 --- $864,613


2017

May 2017 --- $835,009
July 2017 --- $851,904 


Aug 2017 --- $860,072
Sept 2017 --- $869,374

Oct 2017 --- $887,033
Nov 2017 --- $897,145

Dec 2017 --- $914,266


There is no down time when building a path that doesn't lead back to ZERO

Thursday, August 22, 2019

July 2019 Passive Income




Here is the passive income I received from both taxable and retirement accounts.


Taxable Account

  • Amegy CD --- $573.64
  • PM --- $136.80
  • TUP --- $108.00
  • MO --- $88.00
  • CAH --- $48.10
  • KMB --- $20.60
  • GE --- $1.01

Retirement Account

  • 65/35 S&P 500/Bonds --- $219.65

Total July 2019 passive income is $1195.80

My CD income jumped up quite a bit as I invested the proceeds from my home sale into a 2.5% 2 year Amegy CD in the beginning of June. Considering both the 2 YR and 10 YR bonds are hovering around 1.5% after massive drops during the past couple of months, I feel I caught lightning a bottle with that rate.

Other than buying a few shares here and there this month, everything is nice and calm and I just continue to sit back and live off the passive income streams.


DEFY MEDIOCRITY

Thursday, August 15, 2019

Recent Buy -- M




Today I initiated a position in M.

  • M:  150 shares @ $15.90 --- Yield  9.44%

Total capital invested is $1590.00 and will add $151.00 to my yearly dividends.

The past few years have not been kind to Macy's. Considering the stock has fallen from $83 all the way down to $15 and change, its struggles along with many other retailers are widely known.

This is an iconic brand and I hope that the restructuring plan resembles that of BBY and not BBBY.

Obviously this is a speculative purchase and I fully understand this company may join the ash heap with Sears and JC Penny. Time will tell.

In other news I'm still watching MO closely (7% yield), PFE (drastic fall recently) and WBA (down around 50% this past year).

DEFY MEDIOCRITY