Month: April 2023

Hello hello! Welcome back to LateTwentiesAndBroke. I’m your host Jonny F. Today we’re gonna be doing a deep dive into my finances. I’ve accumulated a hearty amount of bitcoin – but I’ve only treaded water on my credit card debt. Credit card debt is so fricking annoying. Like Jesus. Feels like every month is the same month. Also I hate my living situation in Japan. But it is what it is. I should be able to fix it.

Alright, let’s pull up the numbers from December 2022 as a primer.

PLTR	$1,580.  $1,388.00(200 shares) My poor baby continues to sink, oh well…See ya at the bottom kid.
KO	$1,930.81 (30.63 shares) $1,955 (31.09 shares). The DRIP is working!
DOW	$610.23 (11.21 shares) $574 (11.52 shares) Drip.
VZ	$129.75 (3 shares) $114.13 (3.05 shares) Drip.
MO	$1,242.51 (27.06 shares) $1,291 (27.62 shares)Drip.
TM	$306.93 (2.02 shares) $287 (2.04 shares) Drippy-drop.
Bitcoin	$2,592.14 (0.12845 BTC) $3,577 (0.205 BTC)
BNB coin	$917.01 (3.26 coins) $818.30 (3.299 coins)
DOGE	$32.40 (502.46 coins) $125.71 (1,601 coins)
Silver Coins&Bars	$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K	$17,391.66  $19,144.00 Hell yeah, up 2 Gs. That’s from my monthly contribution right there.
RRSPs trapped in Canada	$9,562 CAD ($7,335 USD) $7,046 CAD ($5159 USD)Frickin down 2 Gs on this one…
Chequing	$1,493.50 $2,081.00
Savings	$12,732.83 $11,742.00
Savings Certificate	$501.36 $502.20. Wow, what a jump!
Total Assets	$51, 406.35 $50,757
Credit Card	-7,000.18 -5669.99!! Yes, I finally made some progress on this. Jesus.
Dec 2022 Total:	$44,406.17 $45,087. A whopping change of $681. Yay.

And now, let’s see the new numbers and how they add up!

PLTR	$1,388.00(200 shares) $1,710.00 Holding this stinker forever. 5ever. Let’s see how it looks in 2050.
KO	$1,955 (31.09 shares). $1,977.81 (31.31 shares) Twenty bucks of DRIP.
DOW	$574 (11.52 shares) $664.99(11.68 shares) Ben Frank drip.
VZ	$114.13 (3.05 shares) $121.78 (3.1 shares) Drip.
MO	$1,291 (27.62 shares)$1,269.00 (28.19 shares) Nicotine DRIP.
TM	$287 (2.04 shares) $280.38 (2.04 shares) No change. Dividend is in May.
Bitcoin	$3,577 (0.205 BTC) $8,391.6 (0.27 BTC) Nice little change there.
BNB coin	$818.30 (3.299 coins) $1,113.03 (3.32 BNB). Lil bump.
DOGE	$125.71 (1,601 coins) $148.07(1601 coins) Mostly a joke but I’ll hold 5ever.
Silver Coins&Bars	$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K	$19,144.00 $22,756.61 This is my consistent gainer every update (cuz I auto-contribute monthly, duh)
RRSPs trapped in Canada	$5159 USD 5,957.87USD Tesla shares have been down but whatever.
Chequing	$2,081.00 $1,198.75
Savings	$11,742.00 $10,602.09 This should be stagnant, not going down…hmm…
Savings Certificate	$502.20 $507.04 Another $5 gain on this rocket.
Total Assets	$50,757 $58,699.02 Dang!!!
Credit Card	-7,000.18 -5669.99 $-4,977.16. Finally in the 4s.
Credit Card #2	$-24.65
Credit Card #3	$-284.82
Total Debt	$-5,286.63
April 2023 Total:	$45,087 $53,412.39!! Holy smokes.

Okay, so where the fuck did this $11,000 come from? Analysis time.
-Bought/gained $4,600 in BTC.
-Only $400 less credit card debt overall
-About $2,600 added to employer 401K
-About $700 gain on my 401K in Canada
-Little over $300 gain on Palantir, $300 gain on BNB coin.

So this gain was a mix of steady contributions to BTC and my 401K, and then a moment of uptick in some of my stocks/crypto. I’m not gonna sell anything, so those numbers could swing the other way when it’s time for the next update. What I really need to do is focus on the fundamentals.

I stopped using my original credit card for most things. That’s why it didn’t jump up like it usually does. I have a second credit card that I actually use for everyday purchases (endless to-go meals while I work night shift) and a third credit card that is my primary card for my Apple account (apps, music, movies, et cetera).

I’ve been looking up “no spend” challenges this week, and it seems like a good idea. Obviously if you spend less money, you’ll keep more money. It’s pretty simple but for some reason I’m pretty stupid when it comes to spending.

Moving forward, I’m gonna be a cheap bastard. I’m gonna spend as little as possible this Spring/Summer/Fall and see where it gets me. Because I’ll have an opportunity to buy a house in the states in about a year, and I don’t want to waste it. If I’m financially healthy next April, I could acquire my first rental property. And that would be an amazing next step.

That’s all the rambling I’m gonna do for now.

Thanks for stopping by Late Twenties and Broke, keep your stick on the ice, and I’ll see ya next time.

-Jonny F