Retired AF —- Rat race escapee 2/28/2018

It’s been a while since my last update. Decided to say “Fuck it” and quit my job in February at 46 years old. Best decision ever.

Been drinking lots of Shiner, going to the gym, and even found a new girlfriend who is retired at 40. She’s retired because she’s from a wealthy California family....but hey there’s more than one way to become FI.

Still investing here and there but mainly decompressing and enjoying life.

This photo is of the gf’s backyard and her flying border collie.

Will post more frequently....I promise.

February 2018 Net Worth

All figures are generated from Mint.com. 

On paper I took about a $6,500 drop in my net worth over the last 30 days or so. In all reality that is not too bad considering the market has come down quite a bit during that period.

A few outlier expenses paid in January include:

• Property taxes --- $2415
• Auto insurance --- $1315
• Home insurance --- $921

Again with these expenses and the lower markets I am not disappointed with the drop in net worth.

Assets

Checking --- $13,114
Savings/Investments --- $372,303
Lending Club --- $6,635
HSA --- $2,762
IRA --- $9,760
401K --- $349,549
2014 Jeep Wrangler --- $23,493
House --- $133,050

Liabilities

$0

Net Worth

$910,666


YTD Totals

2018

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


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

January 2018 Dividend Summary

Here are the dividends I received in my taxable account.

• KMB --- $19.40
• GE --- $12.00

Total January dividends are $31.40. All dividends are reinvested.

DEFY MEDIOCRITY

Recent Buy -- SO

Today I initiated a position in SO.

• SO:  100 shares @ $44.11 --- Yield 5.26%

Total capital invested is $4417.69 and will add $232.00 to my yearly dividends.

Forward dividends are $1367.

DEFY MEDIOCRITY

January 2018 Net Worth

All figures are generated from Mint.com. 

December was certainly an interesting month. Christmas always seems to put a strain on the finances and this year was no different. My on again off again girl friend (who is also a really good friend regardless of our relationship) had some health expenses related to cancer. 

Yeah I know, logically I should not have stepped into helping her with the expenses, but I care about her a lot and she's always been a good person and helped me out when times have been difficult. I reasoned that sometimes you have to help friends/family out even when you know the money will never be capable of being returned.

Also having lost my step dad to colon cancer complications and having seen my mom have a cancerous mass removed from her stomach within the last year probably influenced the decision.

In the interest of full disclosure, the expense was $6,000. Anyone who knows me understands that this is entirely against my normal behavior. Maybe I am making up for a lot of the shit I've done in the past. A karma situation perhaps lol

Anyway, I had another rough income month at work and am fortunate to realise the roughly $3k gain I had. I'm super glad to have it and it took my 401k surging big time in the last couple of weeks to make a month over month gain.
I know eventually the market will drop and these monthly gains will go away, until then it's nice seeing the upward trajectory!

Assets

Checking --- $8,698
Savings/Investments --- $375,631
Lending Club --- $6,501
HSA --- $2,555
IRA --- $9,945
401K --- $358,044
2014 Jeep Wrangler --- $23,743
House --- $131,999

Liabilities

$0

Net Worth

$917,116


YTD Totals

2018

Jan 2018 --- $917,116



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

December 2017 Net Worth

All figures are generated from Mint.com. Despite having the lowest income total from my day in six years, I still saw a $17,000 increase in my net worth. Most of the gains came from my 401K and house. 

I know eventually the market will drop and these monthly gains will go away, until then it's nice seeing the upward trajectory!


Assets

Checking --- $11,999
Savings/Investments --- $376,545
Lending Club --- $6,911
HSA --- $2,555
IRA --- $9,713
401K --- $348,740
2014 Jeep Wrangler --- $24,258
House --- $133,545

Liabilities

$0

Net Worth

$914,266


YTD Totals

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

November 2017 Dividend Summary

Here are the dividends I received in my taxable account.

• HCP --- $37.00

These are the first dividends I've received since July. Can't wait to get the totals back up to more respectable levels...I've been here before and can build it back up so no worries!