Because the stock market has been thriving and the economy is beginning to even out, my net worth saw a new high this month – just shy of $300,000 and nearly 60% of my ultimate $500,000 goal.

Yay! I’m thrilled/relieved for this update. On one hand, I cognitively know that investing during a downturn means huge gains down the road. On the other, that road felt (feels?) really long.

In fact, I hit $200K invested in November 2021 – the same month I moved to Oklahoma. Right now, I’m sitting at $241,320 invested despite maxing out my 401k and Roth IRA in 2022, and opening an UTMA for Warren, my three year old. I’d been flat and hovering around the same level for over a year and tbh these updates were starting to get same old.

But I know that powering through that slog will benefit me well in the future. It’s to the point where if the stock market has a good month, I can see gains of $20K+. This is the momentum I’ve been looking forward to. My hope is always cautious, especially these days, but I’m having a milestone month and I’m gonna celebrate those accomplishments.

As I work my way back toward financial stability and pay off lingering debt, I’m seeing the light again and am beyond ready to plow forward.

Let’s review.

July 2023 Freedom update

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This past month has been nonstop in the best way possible! It’s been one good thing after another. I’m so grateful – I really needed some things to work out.

We went to my partner’s brother’s graduation, spent a week exploring Dallas (so different with kids), and had a weekend visit with family.

This weekend, I lost my mind and bought a minivan (used, of course). We got a great deal on an 8-passenger minivan and the finance terms and monthly payment were agreeable. So we drove it home. And so far, we love it. We quickly outgrew my little Nissan Versa Note, lol.

I start a new job on Monday and am very much looking forward to it! This infusion of new energy is seriously good.

I also found a new barber and have been doing yoga when I can (because self-care is so important, especially when you’re parenting). It’s been pretty nonstop, but all in the service of moving forward and making progress.

With all of that, let’s see how it impacted me financially.

June 2023 Freedom update

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It’s been a good month. The weather is warmer and we’re all starting to feel the shift that’s coming.

I’ve been working diligently behind the scenes to arrange trips, find new opportunities, and move the family forward. I’ve been embroiled in court drama since December 2021, and there are just a couple more obstacles to knock out of the way. Once it’s done, we’re seriously contemplating moving to a new place. And a remote working visa in Europe is looking really appealing right about now. #expatlife

But we’ll see what happens.

Financially, I’m flat month-over-month, but that’s to be expected. The U.S. stock market is reeling in the wake of bank foreclosures, ongoing interest rate hikes, and the fight against inflation.

I personally managed to get everything paid for the month, plus laid out cash to get some documentation for the boys, and didn’t get to invest much. Oh, and our fridge decided to give up, so we had to order an emergency replacement – which was a whole saga unto itself.

Anyhoozers, the first half of the year was a great push forward. I’m hoping the second half will be full of progress, travel, and fresh ideas.

May 2023 Freedom update

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The stock market had its best quarter since 2020, and I’m now back to where I was two months ago. If that ain’t a metaphor.

These gyrations (plus life) have kept me hovering around the halfway mark of my $500,000 goal (that’s a long way of saying $250K) since I first hit it… exactly a year ago. #GroundhogYear

I’ve had my sights set on $300K for a long time. As life continues to come together, saving money should get easier. I’ve been saving what I can while fighting down 0% APR credit card debt and lingering legal bills.

All said, I’m doing good – and hoping that compound interest will do some of the heavy lifting for the remainder of the year.

April 2023 Freedom update

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Life is completely different than it was even a few weeks ago. We got our ruling, finally, in our favor. We’ve been in and our of court for the last year, and now we can take some action and move on with our lives.

There will inevitably be appeals, but we’ve been assured they’ll either be thrown out or the higher court will uphold our ruling. It’ll be some more paperwork, but it’s a non-issue so I’m going to put it out of my mind and not even think about it. For the first time in a while, I’m dreaming about the future and what that could look like. Definitely a lot more travel once I get all the documents switched over. ✈️ Ya know, travel blog and all. 💁🏻‍♂️

Money stuff has shifted, too. It’s been a lousy patch for the stock market, my home lost some of its appraisal value, and I’ve had to charge up my cards to get stuff paid.

That said, I’m thrilled because I’ve been picking up a few freelance projects that pay more than my previous income. I think I’ll come out ahead – it’ll just take a little bit for things to settle.

So let’s get into that.

March 2023 Freedom update

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I feel like my life is on hold. Like I’m on hold, but life just keeps on life-ing.

We’re days away from getting the judge’s ruling for a set of cases that have been going on for the past year, hopefully early next week. We think it’ll be in our favor, but until we get that document, we’re kind of just… on hold. Stuck. Like we can’t move forward.

Oh, and I was laid off from my job this week, so go ahead and add that to the mix. I’m taking some time to regroup. I’m not worried about the future so much as I can’t even imagine the future right now.

With that, I’m making February 2023 the month of self-care and taking my insurance for all it’s worth before it expires in a few weeks. I’m:

• Getting new glasses and contacts and a fresh eye exam
• Having a tiny cavity filled next week
• Seeing a doctor for an all-around checkup and allll the preventative care my insurance will allow
• Getting a couple more chiropractic adjustments (Baby Beck is now over 15 pounds!)
• Going to therapy every week this month

I also snagged an appointment for an in-demand dermatologist. Plus, I already have new insurance so I’m taking advantage of being double insured and criss-crossing town to keep myself healthy and active. I’m feeling good about everything.

With all that in mind, let’s talk about money.

February 2023 Freedom update

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I didn’t post a November update last month. It was such a blur – complete with a week in court, then a nasty virus and holidays – that it sucked me under. I am just now emerging.

And wow, it’s great on the other side. I feel like the court stuff is getting behind us, though we must wait for a final ruling. Still, I think we’re going to win. And then we will be free to talk about everything we’ve been through the past year. It’s beyond ridiculous.

I was thinking how my blog doesn’t resemble a travel blog any more. Though I am swimming in points and miles, and planning for a lot of future travel. Someone said, “Well, just write about that.” So I will.

Even as we wait for the legal crap to clear the pipes, it’s not like I stopped planning stuff. It’s hit me in the pocketbook and stifled my travel, but I’m still here and feel myself slowly coming back to life.

December 2022 Freedom update

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So, September was the worst month for the U.S. stock market in over a decade. The month (and Q3) ended with losses for the S&P 500, Dow, and Nasdaq.

And because most of my net worth is in index funds, I lost out too – despite continuing to dump funds into various accounts.

Not that I’ve had time to notice. Having a toddler and a newborn in the same house is… tiring.

But if anything, it’s helping me stick to my investment plans?

Really, I just kept everything trucking along, which I’m happy about because I do think this is an excellent time to buy in at lower valuations. In another 10 years, we’ll all be ecstatic about the buying opportunities right now. It’s hard to be excited when you’re in the midst of it.

I also paid down some of my 0% APR credit card debt and added more cash to my taxable brokerage and my son’s UTMA accounts. But mostly focusing on our newborn, who’s now three weeks old and already so vibrant.

October 2022 Freedom update

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This month’s update is a little late – for the best reason possible.

On September 10, baby Beck was born early in the morning under the Full Harvest Moon. 🌕 So far, he’s already back at his full birth weight and has lost his umbilical plug. He’s a sweet, happy boy – already looking around with deep blue eyes and smiling as he stretches his fingers and toes. We are already completely in love with him.

I can’t wait to set up an investment account and USAA membership for him. But for now, we’ve all been resting and adjusting to this sweet new energy.

It’s been hard to keep up with the outside world, but every time I check on the stock market, it seems the lows get lower.

I’m continuing with my investment plans, but my overall net worth is obviously down this month. More and more, it’s looking like this is going to be a lost year for the market – and for my progress.

All good though.

History tells us that incredible bull runs usually follow lows like this. And anyway, I have my hands full for a while with a newborn.

September 2022 Freedom update

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