Happy New Year

In September I announced a break from blogging.  And I really did not look into the blog (I’m proud about that). As always, only during the first weeks I was tempted. Later I did no longer think about it. I also read fewer personal finance blogs (I unsubscribed a few in my RSS reader).

During the months I continued my book keeping. I will no longer publish my numbers regularly – what’s the point of it? My savings rate for 2017 was over 50 % (and between 38 and 41 % in 2014 till 2016). The yearly expenses were quite stable (between 33k and 35k in 2014 till 2017). So the increase in savings rate came from higher income. I was working full time the whole year (and part time in 2015 and 2016).

I have read a few times about the stages of FI. Most of the blog posts have a high number of beginning stages, but later is a huge gap before reaching FI. With a net worth of around 425k I’m more than halfway there. There is no longer the question if I reach FI, it is more when. And even if I do not generate extra returns from the stock market, the monthly surplus from our working income will get us there. Plus, my wife does not want to stop working, and we could almost live from her income (and my side job). But as I earn way more than her, it is not so easy to quit (she feels more secure with both incomes).

In the last few months I started listening to two podcasts:

The future of this blog

I will stop my monthly net worth reports (and also the options reports). But I will blog from time to time. Whenever I feel like it. Be it only once every few months, or a few times a month. I have some thoughts about the future (and my kids) that I would like to share. Also, “Second Generation FI” (as coined by Choose FI) is very interesting to me.