July 2020 Net worth

All figures except my Jeep value are calculated using Mint.com.

The S&P 500 was up about 5.5% in July so good things continued to happened. While I did finish quite at an all time high (that was reached back in January), the portfolio is up almost the amount of what I have spent on living expenses. Never would have guessed this could happen back in March.

August is off to a great start as well and 2020 while not as great as 2019 could go down as a very solid year. I am very pleased with the results!

Assets

Checking --- $3548
Savings/Investments --- $459,941
Lending Club --- $50
HSA --- $1,858
IRA --- $10,882
401K --- $431,903
2014 Jeep Wrangler --- $16,700

Liabilities

$1,844

Net Worth

$923,038

YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180

Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075

Apr 30, 2020 --- $883,292

May 31, 2020 --- $897,577

June 30, 2020 --- $898,663

July 31, 2020 --- $923,038

Aug 31, 2020 ---

Sep 30, 2020 ---

Oct 31, 2020 ---

Nov 30, 2020 ---

Dec 31, 2020 ---

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

Nov 30 2019 --- $915,534

Dec 31, 2019 --- $926,699

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

June 2020 Passive Income

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


Taxable Account

• ABALX --- $620.61
• Amegy CD --- $421.28
• XOM --- $270.57
• BP --- $157.50
• WBA --- $86.47
• DOW --- $85.40
• IBM --- $78.24
• WFC --- $61.20
• RDSb --- $58.24
• UPS --- $43.43
• MMM --- $42.63
• JNJ --- $23.23
• KHC --- $16.00
• BND --- $6.07
• VFC --- $5.76
• EMR --- $3.00

Retirement Account

• 65/35 S&P 500/Bonds --- $1235.32

Total June 2020 passive income is $3214.95.


I love seeing the portfolio producing income across different investment classes and industries. Wells Fargo in the coming months will be paying out less as it has become the latest company to cut its dividend. No problem though as the overall portfolio keeps moving up through increases, drips, and new investments.

It looks like 2020 should exceed 2019 in the passive income department and hopefully I can continue building it. It would be nice to have a higher net worth as well. I am starting to feel confident in this actually happening.

Here is to the constant grinding and churning forward! Love this game!!

DEFY MEDIOCRITY

June 2020 Net Worth

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

Well I was able to squeeze out a slight gain for June and am almost back to $900,000. Talk about reversion to the mean.

I have been bouncing all around 900k for 2 1/2 years now and am still there. It's crazy. At the beginning of this year I was thinking I would would finally escape gravitational pull and hit that ever elusive $1,000,000 mark. Things obviously went sideways in a hurry back in March and I briefly dipped below $800k.

Fortunately I kept cool and shifted some cash into my taxable brokerage account and added mores stock. I also was the beneficiary of a timely 401k rebalance at the end of March. At the end of June there was another 401k rebalance back. Buy low sell high. Rebalance...Repeat.

Hopefully the back half of 2020 is a little more stable. We shall see.

Assets

Checking --- $6,112
Savings/Investments --- $454,452
Lending Club --- $50
HSA --- $2,015
IRA --- $10,588
401K --- $410,279
2014 Jeep Wrangler --- $16,900

Liabilities

$1,733

Net Worth

$898,663

YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180

Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075

Apr 30, 2020 --- $883,292

May 31, 2020 --- $897,577

June 30, 2020 --- $898,663

July 31, 2020 ---

Aug 31, 2020 ---

Sep 30, 2020 ---

Oct 31, 2020 ---

Nov 30, 2020 ---

Dec 31, 2020 ---

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

Nov 30 2019 --- $915,534

Dec 31, 2019 --- $926,699

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

May 2020 Passive Income

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


Taxable Account

• Amegy CD --- $421.28
• OHI --- $174.20
• T --- $169.00
• GIS --- $49.00
• CL --- $36.52
• BND --- $6.26

Retirement Account

• 65/35 S&P 500/Bonds --- $225.62

Total May 2020 passive income is $1068.28

The income keeps plugging along as the markets and economy gain more traction. I am well on my way to eclipsing last year's passive income totals even with some pretty serious dividend cuts. Hopefully some of the reduced dividends will be restored later this year and early next year.

Next year will be another interest rate reset on some of my CD's so I'll continue moving funds into dividend stocks. Stocks like PFE and SO are becoming more attractive and are currently yielding around 5%. KO nearing 4% is always a good play as well. Hope to add some of all in the near future.

DEFY MEDIOCRITY

May 2020 Net Worth

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

Back to back big moves up! The market surged about 5% in May and the portfolio definitely responded. The net worth ended withing 30k of my January all time high and the YOY numbers actually showed a gain of $17k

Pandemics, social unrest, hurricane season, endless bailout, depression-like unemployment seems to have to lasting effect on the markets. This is CRAZY!

The first 28 months of retirement have been an adventure! If there was a way possible to insulate myself from all market related and news related events, I would simply see that my NW has dropped by $12k despite spending $80k enjoying life! That would be a totally acceptable draw dawn by any measure.

Of course it's the chaos that creates the opportunities and therefore helps keep the NW moving in the right direction. I would love to simply ignore all things market related, but that clearly will never happen. At least until I'm closer to death lol.

I hope everyone out there is safe and is able to within the social and financial turmoil in the world right now. Don't be to distracted and stay the course!

Stay well everyone and keep adding fuel to the FIRE (not fire like the above photo)!

Assets

Checking --- $9,554
Savings/Investments --- $452,106
Lending Club --- $81
HSA --- $2,015
IRA --- $10,457
401K --- $408,332
2014 Jeep Wrangler --- $17,200

Liabilities

$2,168

Net Worth

$897,577

YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180

Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075

Apr 30, 2020 --- $883,292

May 31, 2020 --- $897,577

June 30, 2020 ---

July 31, 2020 ---

Aug 31, 2020 ---

Sep 30, 2020 ---

Oct 31, 2020 ---

Nov 30, 2020 ---

Dec 31, 2020 ---

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

Nov 30 2019 --- $915,534

Dec 31, 2019 --- $926,699

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

April 2020 Passive Income

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



Taxable Account

• Taxpayer funded stimulus --- $1200.00
• Amegy CD --- $527.72
• MO --- $280.56
• GEO --- $91.20
• PM --- $70.20
• M --- $64.18
• BGS --- $47.50
• BND --- $6.86

Retirement Account

• 65/35 S&P 500/Bonds --- $239.96

Total April 2020 passive income is $2528.18

There are a couple of anomalies to report this month. First I received a government direct deposit as a result of the pandemic. I certainly don't need it and will gladly return it back to some local citizens via various charity donations.

I also received more interest income from Amegy this month because a CD I renewed in December was accruing interest rather than depositing it into my checking account. I finally had this corrected and received several months interest in April. The interest payment should be around $30 a month going forward.

I'm looking forward to the back half of this year as I have put a lot of capital to work recently.

DEFY MEDIOCRITY

April 2020 Net Worth

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

Wow!! April was an outstanding month for my net worth. This may be the largest one month jump ever for me. The market was up 12.7% the largest monthly move in over 30 years and my portfolio responded. My total NW skyrocketed by $43,000. Again a one month gain of $43,000!

I also should note for comparison purposes that since I retired 26 months ago, my net worth has decreased by roughly $26,000. So basically my net falls on average by about $1,000. I'm ok with that because the market is only up a handful of percentage points since I retired. Since the beginning of 2020, the declined in more pronounced. I have lost about $43,000 since the beginning of the year, however I was down close to $150,000 in late March.

If and when the market returns to 8-9% average return, my net worth will stay roughly even. In the mean time, I'll keep adding to positions and building passive income.

Stay well everyone and keep adding fuel to the fire!

Assets

Checking --- $14,565
Savings/Investments --- $446,024
Lending Club --- $81
HSA --- $2,015
IRA --- $10,208
401K --- $395,151
2014 Jeep Wrangler --- $17,200

Liabilities

$1,952

Net Worth

$883,292

YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180

Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075

Apr 30, 2020 --- $883,292

May 31, 2020 ---

June 30, 2020 ---

July 31, 2020 ---

Aug 31, 2020 ---

Sep 30, 2020 ---

Oct 31, 2020 ---

Nov 30, 2020 ---

Dec 31, 2020 ---

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

Nov 30 2019 --- $915,534

Dec 31, 2019 --- $926,699

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