November 2022 Financial Check-In

 Hey, friends! Remember these. Yeah, no images today.

If you read my post from earlier today, you know I went ahead and changed my 401k contributions to 50% for December 2022. And plan to keep it that way until March of 2023. My company doesn't let our deposits arrive to the brokerage for like a week so I wasn't sure how that would work with the actual calendar year limits, but I don't think when it gets to Broker should matter. It's just a little bit of an error in tracking because the broker's software just tracks when it actually posts to their company. 

No worries, I at least know how to do the math.

Anyway, that's done. I went ahead and updated my expenses sheet for November instead of waiting for the end of the quarter.

So far, my net income is around $65k.

My expenses are about $40k until end of November. (target was $30k for the year.)

My savings so far is about $70k including mostly 401k, ibonds and FIRE Cash. I'm feeling pretty good about that. (Target savings was $57k)

Of my expenses, about $19k so far was on travel. I don't feel that bad. It's a lot of money especially for domestic travel, but I'm a summer bird now. That's what (pre-) early retirement looks like to me. I feel like some people would buy a property by now but there's no way I could afford property in Seattle! And property maintenance is not for me. 

Not much else to say. I'm over $1k in therapy bills. I spent a bit in shopping for clothes for next year, which is wild. I probably should spend more time examining my line items but I think once you have the money and there's nothing too surprising, it's hard to do any deep reflection. I do think my expenses are a bit leaky but since I'm not trying to squeeze every dime, my brain is just not about it right now.

Toodles!