We did it – another complete orbit around the wonderful star in the center of our solar system! Given that man has not (yet) attained immortality, we have only a limited number of these sweet orbits that we can experience. So I try to remember regularly that life is short and you should get the shit out every year.
Twenty-eight was a hellish year for us. We traveled to Canada for a month in the winter, traveled to Europe for three months in spring, while Amanda was pregnant, and then successfully brought another human to planet Earth in late August. A wild experience!
The year ended with a 6% decline in the equity markets, but throughout most of the year, our total portfolio was at a high level of around $ 1,300,000. In this post we will be the super detailed Details of our expenses for the last two Years!
Hello new person!
Why did we have a baby when there are already 7.6 billion people in the world? All spit out carbon, accelerate climate change and ultimately contribute to climate change Sixth great extermination? Well, I think we thought it would be fun. Does that turn us to assholes? Perhaps!?
Most people do not want to read about pregnancy, labor and delivery, so I'll be brief: Holy Shit – Women Are Amazing!
The US healthcare system is in a terrible state – most people know that – but our experience with the ACA (also known as Obamacare) was just unbelievable. It's so great, we feel guilty about using it. We had a wonderful health service throughout the pregnancy and the total cost was around $ 4,300 (plus a few hundred dollars in vitamins and recipes):
- Deductible of insurance: 2500 USD
- Annual insurance premiums: 1800 USD
In all of our medical expenses last year, we were totally crazy about credit card churn and got a ton of points worth 20% cashback (YES – THAT is awesome if you do not already have credit card outrage, dear God, please check that Flow chart of credit card recommendation at r / agitated).
Finally, the ridiculous hospital bill during our stay for the birth and caesarean section delivery:
Our revenues and expenditures for 2018
Summary for 2018:
Total expenditure = $ 30,627
Total income = 22,200 US dollars
Total net expenses = 8,427 USD
Start value (per Zillow.com on 04.12.18) = 303,000 USD
Investment Portfolio (on 4/12/18) = 941,705 USD
Gross Expenditure in% of investment portfolio = $ 30,627 / $ 941,705 = 3.3%
Net Exposure in% of investment portfolio = $ 8,427 / $ 941,705 = 0.9%
To ignore the added value of our paid house, ours, Conservative The safe payout rate for 2018 was 0.9%, A strange year with the high income that we have earned, something we do not expect every year.
Earned income detail
On the income side we have done a lot 22,200 US dollars this year, The Internet Retirement Policy revoked our ability to use the word "retired" long ago, so we stick to the financially independent side of FI / RE.
Renting our primary residence for four months throughout the year helps offset our frequent travel, which we will continue to do in the future. We discontinued our short-term Airbnb rental of the basement last spring, in anticipation of a move by a tiny person. The biggest surprise was the distance counseling Travis did at the beginning of the year – about 145 hours in total. Small amounts of remote work with a high billing rate are the way to go!
IMPORTANT INCOME MATERIALS
IT consulting $ 13,500
House rental = $ 5,170
Airbnb hosting = 2,520 US dollars
Credit Card Churning (points converted into cash) $ 920
Spending detail
This is based on the format of our previous contribution "Issues 2016" by Bruno & Co. If you would like to review the following data in their Google Doc format, please help Here!
All praise for the above wonderful table should be addressed to Amanda! She's incredibly good with spreadsheets and really a delightful data analyst. If anyone has questions or suggestions on how we can improve spending on some of these categories, please comment below!
Happy New Year, peopleWe hope your 2018 was as entertaining and eventful as ours!
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