November 2019 Passive Income

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


Taxable Account

• Amegy CD --- $592.77
• T --- $231.54
• GIS --- $49.00
• PG --- $26.11
• ABBV --- $23.60

Retirement Account

• 65/35 S&P 500/Bonds --- $255.53

Total November 2019 passive income is $1178.55.

Another solid month of income although my taxable income dropped a bit after selling off the E-trade account. I am currently adding back positions to my Chase account and hope to keep my monthly income in the $1,000+ range starting next year.

DEFY MEDIOCRITY

November 2019 Net Worth

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

Well another month is in the books and November marked the third month in a row that I surpassed the $900k level. In fact, I hit a new post retirement high eclipsing $915k. When I became FI 21 months ago I started with out with $909k in total net worth. While I'm still $2k away from my all time high of $917 reached a month before FI, I feel pretty good about the trajectory.

My 401k reached a new all time high surpassing $400k and has been a steady engine for my portfolio. Nothing is guaranteed, but if I can get a "double" in the next 20 years I will feel super good about receiving roughly 2500 a month SS combined with $800k in retirement funds.

More important than my net worth, I am completely content with life. As I type this entry, I am sitting in front of a warm fireplace watching Monday night football while my girlfriend works on a Rotary project and my mom is sits with our Chihuahua putting together a jigsaw puzzle. Our minds our totally free and we spend our time "living in the now". I will never be able to adequately express how liberating this is.

Here is my net worth summary from November.

Assets

Checking --- $42,679
Savings/Investments --- $440,353
Lending Club --- $419
HSA --- $2,015
IRA --- $10,776
401K --- $403,355
2014 Jeep Wrangler --- $18,700

Liabilities

$2,763

Net Worth

$915,534


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

Nov 30 2019 --- $915,534

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

October 2019 Passive Income

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


Taxable Account

• Amegy CD --- $573.63
• PM --- $140.40
• MO --- $117.60
• TUP --- $108.00
• CAH --- $48.10
• M --- $37.75
• KMB --- $20.60
• GE --- $1.01

Retirement Account

• 65/35 S&P 500/Bonds --- $245.65

Total October 2019 passive income is $1292.74

Another solid income month. I closed out my E-trade account and sold off my positions and am adding new positions in my Chase account. I've been wanting to keep all my accounts under one roof for a while and Chase finally offers low fees on stock purchases with their You-Invest-Trade accounts. Right now I get 100 free trades!

Also 2019 is my first year with ZERO W-2 Income so I can sell off some positions without tax consequences. I love the rates on long term gains and qualified dividends in retirement :)

DEFY MEDIOCRITY

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

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

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

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