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No. of Recommendations: 4
2015 Update:
Net worth up 11% in 2015. [S&P -1%]

2016 Update:
Net worth up 5% in 2016. [S&P +9%]

End of year 2016 Portfolio:
9% Tax Stock Account
45% 401k and IRAs
7% Fixed Income (Cash Savings, Money Market, I-bonds)
78% California Real Estate (Our House Value*0.93) [conservative estimate, not Zillow]
-37% Mortgage 3.625% fixed 30yr

2016: 42 years old now. It’s been a great last two years. Ended my career (temporarily) in Sept 2015, and spent the last 15 months in Europe with my family. We are now back home, stateside, and trying to figure out what our next goals are. I’m considering starting a small business, or possibly going back to a 9-5 engineering job this fall, but enjoying the FI lifestyle for at least a while longer.

Overall being out of work since Sept 2015, our net worth has continued to grow in both 2015 and 2016. Have enough liquid reserves to last at least another 12-18 months before I will need to secure income or access non-liquid assets. This year I sold a bunch of stock that I’ve held since the late 90’s to avoid capital gains tax since our income is near zero this year. Also did a Roth conversion up to top of the 0% fed bracket. Moved most of my picked stocks into Vanguard stock market funds this year. We continue to rent out part of our home to cover the mortgage payment.

But still living a LBYM lifestyle. I just purchased my first smart phone. A brand new Blu Amazon phone with Android for $60 (excellent phone). Installed an H20 Wireless SIM card, $27/month total for 3GB of data. No contract and on AT&T network.

2014 Udate: NW +15% [S&P +12%]

2013 Update: NW +37% [S&P +30%]

2012 Update: NW +20% [S&P +13%]

2011 Update: NW +9% [S&P +0%]

2010 Update: NW +31% [S&P +13%]

2009 Update: NW +6% [S&P +23%]

2008 Update: NW (-31%) [S&P -40%]

2007 Update: NW +15% [S&P +6%]

2006 Update: NW +23% [S&P +14%]

2005 Update: NW +46% [S&P +3%]

2004 Update: NW +82% (mostly home value increase) [S&P +9%]

2003 Update: Net worth (NW) baseline = 1.0 (about 1.5X annual income at the time)

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