
The Monthly Financial Update gives our readers an inside look at the allocation and performance of our investment portfolio. At the beginning of each month, we share a snapshot of our investments and highlight their performance over the previous month. In addition, we compute our progress towards achieving our retirement number.
Bad News And Great News!
Unfortunately, the market stability we were hoping for did not materialize. Instead, market volatility has resulted in our most significant portfolio downturn in over 30 months! That’s the bad news (although we're always down for a sale on stocks). The great news is that, despite the turbulence of the market, Mr. GGD now has an official early retirement date—and it is very soon! On April 18, 2025, Mr. GGD will go to the office for the final time before joining the ranks of the retired! It’s been a long journey but the finish line is within grasp! Ms. GGD has decided to continue working part-time, and her retirement timeline remains flexible.
Results:
-4.42% month-over-month growth
172.0% of retirement number saved
Check out our detailed performance in the table below.
The Numbers
Accounts Portfolio Allocation Change In Value
(March-April)
Liquid Funds 0.31% -28.50%
High-Yield Savings 3.13% -12.50%
REITs 0.22% +0.24%
401(k)s 41.73% -5.25%
IRAs 5.95% -4.42%
HSA 2.39% -4.49%
Cryptocurrencies 0.06% -5.67%
Taxable Stock Investments 44.33% -2.61%
Home Equity* 1.86% -4.13%
Debt 0.03% +36.53%
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
*Home Equity not included in retirement number or month-over-month growth calculations
Tools To Get You Started
Get a head start on your journey toward achieving financial independence by analyzing and tracking your income, expenses, investment performance, and overall net worth with the free online wealth management tool Empower Personal Dashboard.
We use Empower Personal Dashboard regularly to analyze our investment fees, track our investments, and project our net worth. We also periodically review our progress toward retirement with their retirement planning calculator.
If you’d rather do things on your own, become a subscriber today and you’ll receive our Free Financial Planning Dashboard. This tool allows you to enter your income and expenses to create a detailed budget. You can use it to track your spending habits over time or just to get an idea of where your money is going each month. Take a look at the automatically generated charts and you may discover you have a little more cash to invest than you thought.
If you’re interested in detailed instructions on how to budget, save, pay off debt, and invest, check out The 6 Phases of Building Wealth. This book provides step-by-step instructions for working through each “Phase” in the process of achieving Financial Freedom. If you're just starting out, the information in this book will provide you with an invaluable resource. You can pick up the digital version for only $2.99 on Amazon.
Disclosure: Some of the links found on this website may be affiliate links. Affiliate links pay GGD a small commission when you click through and/or make a purchase. This is at zero additional cost to you.
Full Disclaimer/Disclosure
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