January 2020 Net Worth

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

Well damn...The month of January was rocking along with the markets hitting new highs and then BAM!!! The last day of the month saw a 600 point drop in the DJIA and all of a sudden the market was flat for the month. I was really hoping to hit another new record high in my net worth.

Oh well, there is always next month.

My portfolio basically was flat with a small 3k decline due to writing down my Jeep and accounting for regular living expenses.

Oddly my 401k balance was actually 2k. Maybe the S&P registered a slight gain along with a gain in my bond component (65/35 S&P/bonds). 

I'm closing in my 2 Year FIRE Anniversary and it feels good seeing a gain in net worth. It shouldn't be surprising, but short term volatility can bounce things around for sure.

It's pretty wildly known that the markets typically gain 9%/year and that's what I'm counting on to maintain a slow growing net worth. However my first two years were -7% and +31%. It all works out over time, but it does get rocky sometimes. I'm sure the election year will be calm 😁

I hope everyone else had a great January!!

Here is my net worth summary from December/2019 ending totals.

Assets

Checking --- $93,660
Savings/Investments --- $387,516
Lending Club --- $263
HSA --- $2,015
IRA --- $10,963
401K --- $413,815
2014 Jeep Wrangler --- $18,100

Liabilities

$3152

Net Worth

$923,180


YTD Totals

2020

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

Jan 31, 2020 --- $923,180
Feb 29, 2020 ---

Mar 31, 2020 ---
Apr 30, 2020 ---

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

Recent Buy --- XOM

Today I added to my XOM position.

• XOM:  5 shares @ $61.88 --- Yield  5.62%

Total capital invested is $309.40 and will add $17.40 to my yearly dividends.

XOM has literally gone from the best of the majors to sucking hind tit and very well may out yield them all soon. While it is difficult to keep adding to a sizable position I will continue. XOM is closing in on a 6% yield along with an upcoming dividend raise (38 straight years I believe).

I am closely watching MMM and WBA. I really need to continue building those positions. I also noticed UPS is almost below $100 which is quite a drop. I hope to add to these next week.

DEFY MEDIOCRITY

Recent Stock Purchases

Today I add to my MO and Shell positions.

• MO:  6 shares @ $47.25 --- Yield  7.11%
• RDS-b:  7 shares @ $54.23 --- Yield  6.93%

Total capital invested is $663.11 and the combined yield is 7.01%.  These purchases will add $46.48 to my yearly dividends. MO continues to be damaged by JUUL and Shell is finally close to 7% which is a great yield for this company.

DEFY MEDIOCRITY

Recent Stock Purchases

Today I added to my DOW and XOM positions.

• DOW:  6 shares @ $46.74 --- Yield  5.99%
• XOM:  5 shares @ $64.97 --- Yield  5.36%

Total capital invested is $605.29 with a combined yield of 5.65%. These purchases will increase my yearly dividend income by $34.20.

I will continue to nibble at both of these companies at depressed levels. I am also watching Shell and BBL closely. BBL is currently yielding 7% and looks attractive right now.

DEFY MEDIOCRITY

December 2019 Passive Income

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


Taxable Account

• ABALX --- $869.21
• Amegy CD --- $509.11
• XOM --- 40.02
• KHC --- $16.00

Retirement Account

• 65/35 S&P 500/Bonds --- $1645.05

Total November 2019 passive income is $3079.39

Well that's a wrap for 2019. Exceptional year on all fronts and I am more than pleased with my monthly passive income for December as well as the year.

December was a big month for my mutual fund ABALX and the $869.21 does NOT include the end of year capital gain distribution. It is strictly the income amount. My CD income dropped and will continue to drop again this month as I have reduced the balances and the rates have reset lower.

Considering I only received $56 from individual stocks I feel good about clearing $3,000 across all accounts.

I have been added shares back and consolidating to my JPM account and hope to create the same yearly income for 2020 as I did in 2019. I have work to do.

DEFY MEDIOCRITY

Weekly Stock/Bond Purchases

Today I added to some existing positions and opened a new position in BND.

• BND: 12 shares @ $84.04 --- Yield 2.70%
• DOW  5 shares @ $52.26 --- Yield  5.36%
• T:  6 shares @ $38.87 --- Yield  5.35%
• WBA:  5 shares @ $54.76 --- Yield 3.34%

Total capital invested is $1776.69 and the combined yield is 3.55%. These purchases will increase my yearly dividends by $63.15.

WBA has been under pressure the last couple of days and I will continue to nibble on it. I would also like to add more BND as a replacement for some lost CD income due to falling interest rates.

DEFY MEDIOCRITY

2019 Year End Net Worth --- New Record

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

Wow what a strong finish to an absolutely spectacular year!

The S&P finished 2019 with a 28% gain for the year and my portfolio was certainly impacted to the positive. Despite spending $36,000 throughout the year to cover my living expenses, my net worth still managed to power forward and pick up $62,000. This means that my investments throughout the year actually gained close to $100,000 ($98,000 actually, but close enough).

To say I am pleased with the results would be definitely be an understatement.

My portfolio throughout the year continued to move with a .3-.35 beta which is by design. I have a chunk of cash in CDs earning around 2% and also stocks. My 401k did most of the work and actually is closer to a .7 beta since the investments are 65/35 S&P/Vanguard bonds.

Bonds had a great year as well. In fact it's hard to find a negative other than my Wrangler lost some value as most cars do from year to year. I would hardly call it an asset, but it doesn't provide fun/entertaining transportation!

I can't wait to see what 2020 has in store and I hope everyone else out there had a killer 2019 and got a bit closer to your retirement goals. DEFY MEDIOCRITY

Here is my net worth summary from December/2019 ending totals.

Assets

Checking --- $81,988
Savings/Investments --- $404,882
Lending Club --- $264
HSA --- $2,015
IRA --- $11,016
401K --- $411,304
2014 Jeep Wrangler --- $18,400

Liabilities

$3170

Net Worth

$926,699


YTD Totals

2020

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

Jan 31, 2020 ---
Feb 29, 2020 ---

Mar 31, 2020 ---
Apr 30, 2020 ---

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