Monthly Financial Update - May 1, 2020

The Bad News:
Last month we reported the worst month-over-month loss in value to our net worth since we started tracking it in 2017. Well, it turns out, things were actually even worse than we thought! We recently identified a minor typo in one of the entries and, after correcting it, realized our "growth" for March wasn't the -10.56% we had reported. Instead, it was a staggering -12.38%!! This brought our savings down to 57.3% of our retirement number, a full 1% lower than the 58.5% we previously reported (Note: last month's financial update has been corrected).

The Good News:
Following the huge drop in March, the market seems to have recovered a bit of its upward momentum. In fact, the gains over the last 30 days have been pretty significant! While our portfolio has yet to fully regain its previous highs, we may be on the road to recovery. My personal view is that the market will continue to have volatile swings throughout the rest of 2020, and perhaps beyond, so we most likely haven't seen the end of this bear market. However, this month should be counted as a win.

Results:
14.84% month-over-month growth
65.8% of retirement number saved

Check out our detailed performance in the table below.

Accounts	Portfolio Allocation	Change In Value (April-May)
Liquid Funds	1.49%	47.87%
High-Yield Savings	8.14%	0.95%
REITs	0.69%	0.14%
401(k)s	46.13%	13.04%
IRAs	4.53%	14.95%
HSA	1.19%	18.91%
Cryptocurrencies	0.02%	31.95%
P2P Lending	0.01%	1.03%
Taxable Stock Investments	37.65%	19.33%
Debt	0.15%	-45.67%
Total =	100%

Portfolio Allocation = Current asset distribution of our portfolio
Change In Value = Change in account value due to asset appreciation/depreciation, deposits, and withdrawals

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