Today’s post is the first in what I hope will be a series of quarterly net worth reports. I love seeing actual numbers from everyone in the personal finance community, so I thought I’d join the party and share my own numbers as well! It’s my hope that you find this report helpful as you continue on your own financial journey.
Before continuing on, I’d like to lay out some background about the numbers I’ve shared below.
First, I’ve only calculated my own individual net worth. The spreadsheet below doesn’t include Ms. FP’s assets or liabilities simply because we aren’t married yet and haven’t technically combined our finances. Once we’re married next year, I’ll probably update these net worth reports to include both of our assets and liabilities.
Second, I’ve rounded these numbers to the nearest dollar. I initially tried calculating my net worth down to the penny, but it looked a bit too cluttered for my taste with all those decimal points.
Without further ado, here’s what my current net worth report looks like:
As shown in the spreadsheet, my current net worth as of this post is $61,526. I wish it were higher. As most of you know, I graduated law school with $87,000 in student loan debt back in 2013 and started out with a negative net worth, so getting into solid positive territory feels pretty good.
Below are further details on these numbers.
Cash
I actually have more cash than is currently listed, but for purposes of calculating my net worth, I’m only including cash that’s earmarked specifically for my emergency fund or as income from my side hustles.
I try to keep around $500 to $1,000 in my regular checking account as a buffer. Since my checking account can fluctuate depending on the day of the week, I don’t like to count that in my net worth.
The remainder of my cash is stored in either Capital One 360, Digit, or Qapital. I use the money in these accounts for planned expenses, such as vacations or Christmas gifts. Since I’m likely to spend this money, I don’t like to count these as part of my net worth either.
Emergency Fund
At present, my emergency fund holds about 3 months worth of living expenses. I’m aiming to get this number up to around $10,000-$15,000. For now, I think I have enough to cover me for a decent chunk of time in the event of a job loss. And, I think if a really big emergency came up, I should be able to bridge the gap through side hustles, or worst case scenario, pulling money from my Roth IRA contributions. I can also pull money from other cash funds (such as my vacation fund) if necessary.
I’m also not too worried about keeping some cash on hand because most of my emergency fund savings are earning 5% interest in an FDIC insured bank account. Contrary to what most people think, your emergency fund doesn’t have to earn crap interest! You can still get a decent guaranteed return using “mega high-interest” bank accounts. These are typically accounts that require you to meet some sort of usage requirements and require a little bit of legwork to set up. But once set up, the accounts run themselves.
I store $5,000 of my emergency fund in FDIC insured bank accounts earning 5% interest. The remainder is kept in an Ally bank account earning 1% interest. I might do a post in the future explaining how to make use of some of these mega high-interest accounts.
Side Hustle Income
I keep my side hustle income in a Capital One 360 sub-account. The plan is to eventually move this money into a Solo 401(k). Note that I don’t spend any of this income, since I live perfectly fine off of my day job income.
I’d also like to note that the side hustle income listed on the spreadsheet is lower than what I’ve actually earned this year from side hustling. I put a little over $1,000 of it into an HSA a few months ago and our Airbnb income is currently being deferred into 2017 for tax purposes. My plan with the Airbnb income is to fund as much of next year’s HSA as I can, and then keep the remainder to cover taxes and as an emergency fund earmarked for house maintenance.
Investments
401(k)
These are funds from the 401(k) that I had with my previous employer. The balance is made up of my contributions from 2014, 2015, and part of 2016. Unfortunately, my old law firm didn’t offer any matching, so the entire balance comes from my own contributions.
I should note that I didn’t put as much into my 401(k) as I probably could have. In my first year out of law school, I knew absolutely nothing about how a 401(k) worked. My employer automatically had us contributing 5% of our salary to our 401(k), so that’s what I did. But, I smartly I used the remainder of my income to pay off my student loans as fast as I could.
My overall plan is to roll my 401(k) funds into the 457(b) plan at my current employer. I just need to get around to filling out the appropriate rollover paperwork.
Roth IRA
I have my Roth IRA invested in a Betterment account with a 100% stock portfolio. I maxed out my Roth IRA in 2015 and am currently on pace to max it out for 2016 as well.
Betterment has been fine for me so far. However, I might consider transferring the funds I have in Betterment directly to Vanguard in order to reduce my costs some more, especially since I now have enough to buy Vanguard Admiral Shares.
457(b) and Pension
I’m currently contributing 16% of my salary into a 457(b), which puts me on pace to contribute $12,000 per year to the 457(b). Once Ms. FP starts working, I plan to max this account out. The 457(b) plan I have is particularly good because it has access to low cost Vanguard funds, so I can keep my investing costs low.
I also contribute 11.5% of my salary into a defined contribution pension. 5.5% of that comes from my salary and my employer throws in 6%. These contributions are invested in a total stock market fund.
I didn’t have any employer contributions in my last job, so having my employer fund part of my retirement savings is pretty awesome. Having this pension is also great because it allows me to save even more of my income into tax-deferred accounts! In fact, even though I’m not maxing out my 457(b) yet, I am technically still on pace to save more than $18,000 per year in tax-deferred accounts.
Health Savings Account
I jumped onto a high deductible health plan at the beginning of 2016, and with it, got access to an HSA. I use Fidelity as my HSA provider and invest the entirety of my HSA contributions into a total US stock market fund.
You’ll also notice around $200 in employer contributions. As an interesting benefit, my employer contributes $500 per year to our HSAs. I opted not to use my employer’s HSA provider, however, because the investment options were pretty poor and had really high expense ratios. Unfortunately, my HSA employer contributions have to go into this specific HSA account. For now, I’ve just left the money in there sitting as cash. I’ll have to see if I can transfer that money to my Fidelity HSA.
SEP IRA
Last year, I made several thousand dollars in side hustle income. However, I didn’t realize that I could reduce my taxes some more by putting my side hustle income into an individual retirement account available for independent contractors. By the time I realized this strategy existed, the deadline to set up a Solo 401(k) had passed. My only option was to open up a SEP IRA, which I did around February of this year.
My SEP IRA is currently held in Wealthfront and my plan is to roll this money over into a Solo 401(k) once I get that set up.
Other Investment Accounts
Loyal3. I have a couple hundred dollars worth of play money that I invest into individual stocks using an app called Loyal3. The nice thing about Loyal3 is that it allows you to invest as little as $10 into a selection of individual stocks, with absolutely no fees. My rationale for using Loyal3 is to satisfy my individual stock picking itch and so that I can try my hand at stock picking without risking too much money.
529 Plan. I like to experiment with different types of accounts, so I set up a 529 plan in my own name about a year ago and contribute $25 per month to it. I chose to use the New York 529 Plan since my state doesn’t offer a tax deduction for 529 contributions and the New York plan has Vanguard funds and low expense ratios. It’s been helpful for me to figure out how 529 plans work before I have kids. Once I have kids, I’ll transfer this account over to their name.
And that concludes this quarterly net worth report!
It’s nice to see my net worth slowly increasing. 3 years ago, I had a negative net worth and knew very little about how to handle my finances. Now, here I am 3 years later, with my student loans gone, and a steadily rising net worth! Hoping to get to that six figure mark one day!
I’ll be back next quarter with another net worth report! Hope you enjoyed this glimpse into my financial life.
More Recommended Ebike/Scooters
Check out these other ebikes/scooters I've had the chance to do a review for:
- GEN3 Outcross Bike – The GEN3 Outcross is a solid, affordable fat tire ebike that does a good job of doing what I need it to do. It works great for city riding, giving me a smooth ride in all conditions. It’s works really well as a winter ebike since the fat tires give it good traction over snow and ice. Check out my GEN3 Outcross Review.
- Himiway Escape Bike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
- Espin Sport Bike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
- Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
- Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.
More Recommended Investing App Bonuses
For additional investing app bonuses, be sure to check out the ones below:
- M1 Finance ($10) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $10 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
- SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with $100 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.
- Moomoo (5 free stocks) – Moomoo is a free investing app currently offering 5 free stocks (usually worth around $75-$100) if you open an account using a referral link and deposit $2,000. Read my Moomoo referral bonus guide for more information.
- Webull (5 free stocks) – Webull also gives you 5 free stock valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free stocks using Webull.
- Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
- Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.
More Recommended Bank Account Bonuses
If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.
- Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
- Digital Federal Credit Union ($100) – Digital Federal Credit Union (DCU) is a free, nationwide credit union that I recommend to readers for two reasons. First, DCU has a $100 referral bonus if you open a free DCU checking account with a referral link. Second, DCU has a saving account that gives you 6.17% interest on your first $1,000. Check out my in-depth post on how to set this account up.
- Upgrade ($100) – Upgrade is a free checking account that’s currently offering a $100 referral bonus if you open an account and complete three debit card transactions. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Importantly, this bonus says that it’s now scheduled to end on January 31, 2023. As long as you get your account opened before January 31st, you should be eligible. Here’s a post I wrote with more details: Upgrade $100 Referral Bonus – Step By Step Directions.
- SoFi Money ($275) – SoFi Money is a free checking account from SoFi. They’re currently offering a $25 referral bonus if you open a SoFi account with a referral link and deposit $10. You can also make an additional $250 as well if you complete a direct deposit. This is a good bank that is also 100% free, so you won’t have to worry about managing this account. Here’s a post I wrote with instructions on how to earn your SoFi Money bonus: SoFi Money Referral Bonus: Step By Step Guide.
- Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link.Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
- Fairwinds Credit Union ($100) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
- OnJuno ($60) – OnJuno is a fintech/neobank that is currently offering a $10 referral bonus if you open an account using a referral link and make a deposit of $50 or more. You will also get 1000 JCOIN. The 1000 of JCOIN is cryptocurrency. At the time I'm writing this, it'll be worth about $50. Check out my OnJuno referral bonus guide here.
- Varo ($30) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $30 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.
- Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
- Albert ($150) – If you can manage to do a real direct deposit, Albert is an easy account you can use to earn a referral bonus. Here’s a review about Albert I wrote. And here’s a step-by-step guide on how to earn your Albert referral bonus.
- Netspend ($20 + 5% Interest Savings Account) – Netspend is a company that provides 5% interest savings accounts. If you sign up using my referral link, you’ll get a $20 signup bonus once you make your first deposit into your Netspend account of $40 or more. That means you get a 5% interest savings account and a free $20 to start! Make sure to check out my in-depth guide on how to set up these accounts.
Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.
Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.
Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:
- SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $250 if you complete a direct deposit.
- DCU. Digital Federal Credit Union (DCU) is a free, nationwide credit union that I recommend to readers for two reasons. First, DCU has a $100 referral bonus if you open a free DCU checking account with a referral link. Second, DCU has a savings account that gives you 6.17% interest on your first $1,000.
- Novo Bank. Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. It’s the business checking account I currently use for this blog.
- M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $10 for opening an account.
- Personal Capital. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.
Feel free to send Kevin a message here.
Congrats on making so much progress! Looks like things will start to move really fast from here.
I definitely hope so! Sometimes I look at my investment account and realize I could easily have six figures in them if I didn’t put my money into student loans. But then I see that $0 next to my student loans and I feel a lot better.
Congrats! Keep on trucking along. Things can only pick up the more you keep stuffing away and like you said three years ago you had a negative net worth so I think it is pretty impressive!
Thanks Stefan! When you put it that way, it does seem better! I’ll just keep doing what I do and hopefully will see that net worth continue to rise.
Congratulations in your progress! I think we’ll see a six figure net worth next year. I also like your thoughts about side hustle income. It clearly shows that a little extra income can add up to a big difference over time.
Thanks Roadrunner! Not quite sure if I’ll get to six figures, but I suppose it depends on where the market turns! Either way, I still have a long road to go, so I’m just saving as much as I can and sticking to my plan.
FP,
Where are you getting a 5% return on a savings account?? That’s impressive.
Thanks for sharing!
Hi DS. I’m snagging that 5% interest savings account from the savings account that is attached to a NetSpend prepaid debit card. The only thing with these accounts is you have to be very careful in order to avoid getting his with any fees. Stay tuned for a future post where I try to explain these accounts.
Congrats on the net worth! And thanks for sharing! You’re way ahead of where I was at your age.
Curious as to where you’re getting the 5% interest on that $5000 in your emergency fund? We have Ally at .95% right now, but would love to cash in on 5%!
Thanks Amanda! I’m getting the 5% interest using NetSpend prepaid debit cards. These are normally horrible cards that are riddled with fees and are aimed at taking advantage of the poor and the un-banked. I first learned about them through Doctor of Credit, which is basically a website for the “churning” community.
Each of these cards come with an FDIC insured savings account which gets 5% interest on the first $1,000 in there. You can open up 5 total accounts for each individual. So if you’re a household with two adults, you can open up ten total accounts and put away $10,000. The churning community has been using these as savings accounts for quite some time. The crazy thing is, each account used to give you 5% interest on up to $5,000, so each individual could put away $25k at 5% (or $50k for a household). I guess they figured out that people were using these cards only for the savings account and dropped the amount because of it, which makes their usefulness much less now.
As a caveat, I had these set up back when it gave 5% interest on up to $5k, so at the time, it was worth my time to learn how to use these accounts and to set them all up. The decreased amount now makes me wonder whether its worthwhile for the average person.
Also, if you’re thinking about using these accounts, please do a lot of research first. If it’s helpful, I might write up a post on how these accounts work in the future, walking through the process step by step so that you can automate it all and avoid any fees. You definitely don’t want to jump headfirst into these 5% savings accounts just \there are a lot of fees if you don’t do it right. But, once you understand how they work, they really run themselves and are easy to use.
Very interesting. Hadn’t heard about these, but a 5% yield in today’s economic environment (sans risk) is killer. I’d be all for reading a post from you about this in the future!
Very cool!
It definitely seems like folks are interested, so I’ll try to put something together. Fair warning, it does take a bit of work to set up, but once set up, everything runs itself.
With all your side hustle income, and no debt, that money will start to snowball on you fast. Nice job!
Thanks Mr. Crazy Kicks. I’m working on that snowball!
Hi FP,
Nice breakdown of your net worth. Yes, it is nice to see the $0 student debt. You have done an awesome job – keep it going!
As far as 529 plans go, Morningstar provides ratings and I wrote a post showing the top 529 plans with a lot of details on minimum investment required, fees, expense ratios, and performance. You can check the details at – http://stretchadime.com/top-529-college-savings-plans/
Thanks Michael! I appreciate the link to your post. Could I ask why New York’s 529 plan isn’t included in your list of top 529 plans? I ended up choosing NY’s plan because it had Vanguard funds with an expense ratio of 0.16%. (16 basis points). There are no annual account or maintenance fees as well, according to the FAQ on the NY 529 plan website.
I’ve got my 529 contributions invested in an “aggressive portfolio” which is 70% total US market fund and 30% total international fund. With a 0.16% expense ratio and no annual fee, it seems like it’s a really good option for folks who live in a state without an income tax deduction for 529 contributions.
Great question, FP!
Morningstar evaluates each of the 50 states’ 529 college savings plan and provides a gold, silver, and bronze rating. It looks at five pillars – Process, People, Parent, Price, and Performance.
My blog post covered the top four 529 plans that received a gold star rating from Morningstar in 2015.
You can see the full Morningstar 2015 ratings here – http://www.morningstar.com/advisor/t/110271963/morningstar-names-best-529-college-savings-plans-for-2015.htm
–Michael
“As shown in the spreadsheet, my current net worth as of this post is $61,526. I wish it were higher.”
For a 2013 law grad, this is pretty phenomenal. Many of your peers haven’t hit net worth zero yet.
Curious as to why you’re choosing to max out Roth IRA over fully maxing out the 457(b) and then putting whatever is left into the Roth IRA. What’s the thinking there?
I’ll be honest…there isn’t really any thinking going on there, and it’s probably a good idea for me to reassess. Here’s basically how this ended up happening.
In 2014, I didn’t know anything about investing or retirement planning. My firm had a default contribution rate of 5% into our 401(k), so I did that without thinking about it and had no idea where my money was going.
In 2015, I upped my 401(k) contribution to 10%, while I continued to aggressively pay off student loans.
In April 2015, I learned about Betterment from an ad I heard on a podcast. Betterment aggressively advertises all over the place, and since I was interested in FinTech, I thought I’d give it a shot and see what it was all about. I decided to just start up a Roth IRA with Betterment and contributed the minimum amount to my Betterment account – $100 per month.
When 2016 came along, I set up my 401k contributions to put me on pace to max it out by the end of the year. Since I wanted to get all the tax advantaged savings I could, I also decided to go ahead and max out my Roth IRA. Since I hadn’t maxed out my Roth IRA in 2015, I first maxed that account out before the April 2016 tax deadline.
After maxing my Roth IRA out for 2015, I then decided to go ahead and set my automatic contributions to max out my Roth IRA for 2016 by December 31, 2016. (again, was looking to get as much tax-advantaged space as I could).
I then switched jobs in June 2016, and with it, I took a pretty big paycut and no longer had a 401(k). During this time, I just never changed my Roth IRA contributions, so it’s been pulling the same amount as I had set up back in April of this year.
In short, it’s because I wasn’t really thinking and had just left things as it was from the beginning of the year.
In retrospect, as I think about it, you’re most likely right. I should probably reduce the Roth IRA contributions to nothing for the rest of this year and put that entire amount into my 457(b), then go back to the Roth next year when I’m married and our overall income will be pretty low (since Ms. FP will still be in residency earning nothing and we’ll be a one income household).
This is why I love the blogosphere. It’s a good way to see our blind spots, because honestly, I wasn’t seeing it all for some reason.
Can you think of any reason for why I’d want to keep the status quo?
I love reading net worth reports. I want you to do well and hope you get to six-seven figures but its nice to see someone starting out as well. Sometimes I read the six-seven figure reports and they’re so astronomical, it can get a little overwhelming.
You gotta start somewhere, right? =)
So true! A lot of people start their blogs when their already about to be at financial independence, so you see these giant net worth reports that seem so far away for most of us. But yep, gotta start somewhere!
Hey FP,
Loving the in-depth net worth report. You’re doing extremely well, especially considering you only graduated 3 years ago (!!!) – keep it going!
I also like to see that you have a 3-month emergency fund – this is something that some people neglect, but it can be a lifesaver if you lose your job. This happened to me a few months ago, and I can’t thank “past me” enough for saving enough for a sizeable emergency fund!
Thanks Ricard! I’m working on building up a bit more cash savings, just in case. It’s hard to know how things will look in the future, so I think it always makes sense to keep some money on hand. Appreciate you stopping by!
Doing good. Don’t let any setback set you back lol.
Once you get that snowball rolling it keeps rolling. I look forward to seeing your progress.
Thanks Doug! Definitely hoping to keep this snowball rolling.
Nice work! Love seeing that $0 next to student loans! I contribute to my kids 529 via the NYS plan and I’m go glad that there are low cost Vanguard options. Luckily for me, I also get a tax deduction since I live in NY.
I’m a big fan of that NY 529. It seems cost effective. You get that nice double benefit of the state tax deduction, so definitely makes sense for you to contribute to it.
Nice! I’m always impressed by those people who were able to pay off 5 or 6 figure worth of debt and are now back to the positive. It’s only a matter of time before you will reach 6 figures in net worth.
Smart thing to do with funding your HSA with your side income! I only learned of HSAs because of reading personal finance blogs and learned that my employer contributes $1000 to my plan if I do healthy activities throughout the year. That pays off all of my health insurance so I’m going to get on that.
That’s great to hear that your employer throws in some cash to your HSA. Be sure to check out what sort of investment options are in the HSA provider your employer chooses. The options in my HSA were pretty terrible, so I ended up picking my own HSA provider.
Pat yourself on the back. I’d say your net worth is pretty amazing. We all want more. But at 3-years in, your doing just fine.
Thanks for the kind words!
Look at that chart going up! Congrats! I can definitely relate to the feeling that you wish it were higher. Sometimes I feel bad having to start out in a huge hole (we had 89k of debt) when others get to start from zero. I’d be at a huge number (to me) if I didn’t have that!
I think we have similar debt pay off stories! It stinks to start in the negative, but the good thing is, by paying off our loans, we learned a lot about living on less. I know it’ll serve us well in the future.
Hey Kevin,
A lot of respect for you for posting this. It takes a lot of transparency and trust for your readers to disclose your personal finances like this. It’s great motivation for other middle-class individuals to start saving and putting our money to work. Have you considered writing up an article on “financial advisors” to avoid? Such as those that charge front-load/redemption/high expense fees for their investment products