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Credit Card Debt Late Twenties and Broke Net Worth Updates

Have you done your taxes yet? March 2024 Net Worth Update

Hello hello, I’m your host Jonny F, and this is Late Twenties and Broke. Thanks for stopping by.

I started doing my taxes today, and about an hour in I remembered that – one thing I like a lot more than doing my taxes, is the idea of buying a gun online, waiting 6 weeks for it to show up, and then blowing my fucking brains out. Hahaha.

Well, with that out of the way, let me take a break from doing my taxes to do a good ol’ Net Worth Update.

To refresh your memory: Jan 2024’s numbers:

PLTR$3,632.00(200 shares). $3,201. What a surprise, PLTR is down again haha. It is what it is. One of my calls is expiring on Jan 19th, so at least I can sell a out-of-the-money call again to squeeze some derivative juice out of this orange. If you don’t know what a derivative is, you need to read Rich Dad Poor Dad again.
KO$1,862.00 (31.81 shares) $1,914 (32.06 shares) The DRIP has added up to another share, bringing me past the 32 mark. Coke stock is just so damn reliable. And from all the Coke Zero I drink, I can see why their profits are so steady haha. Doesn’t matter what country I’m in – I can always find Coke Zero.
DOW$624.75(11.99 shares).$666.37 (12.15 shares) Good day for the DRIP. Rolled from 11 shares over to 12.
VZ $279.82 (7.35 shares)$296.21 (7.35 shares) $20 of growth? Shit, I’ll take it.
MO$1,275.71 (30.01 shares). $1,245.39 (30.01 shares) There’s a pending dividend of $29, which is cool. I’ve actually had a limit sell posted for Altria (MO) for about a month now. I bought it because I used a lot of ON! Pouches, and Altria Group bought ON! from the original Swedish company. They also own Skoal and Copenhagen. But I don’t even use ON! anymore. I just feel like they’re gonna lose market share over a 10 or 20 year period.
TM$388.30 (2.07 shares)$392.74 (2.09 shares). The December dividend was $3.46, nothing crazy but hey – free money.
STRC$67.36 (100 shares). $68.47 . This robotics company was a lottery ticket for me. I have 100 shares so if it jumps, I can definitely sell some out-of-the-money calls. But that probably won’t be for 5 years, or they’ll just get delisted. We’ll see. I just want an Ironman suit or a cool cyborg hand.
EDIT$22.20 (2 shares). $22.01(SOLD) I got in at $7/share, got out 2 months later at $11/share for 2 shares. I’m just tired of putting money into “exciting new” stocks and then getting stuck with a loss (*cough* Palantir *cough*). I’d rather put the money into solid dividend companies or real estate.
Bitcoin$11,503.00 (0.274 BTC)$12,207 (0.274 BTC). Up another $700. I’m not selling til it hits at least 89 or 90,000/coin though. A 300% return would be pretty sweet.
BNB coin$774.51 (3.373BNB). $1,043.77 (3.38 BNB). Got some stake action on this one. Not sure what my long term plan on this one is. Probably sell when it hits $600/coin again?
DOGE$143.40(1601 coins)$132.05(1601 coins) Alright, this one is annoying. I’ve had a limit sell on this for a month, but Crypto.com is trash. I was finally up $15 so I wanted to get out of it, and despite chilling above my limit sell for hours at a time – it just wouldn’t execute. So the price ceiling of $0.09 must just be stacked with sell orders.
Silver Coins&Bars$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K $27,596.94 $29,945.79 Up another 2.5Gs, ol’ reliable. And it’s definitely crossing the 30K mark like…next month. Shit’s wild.
RRSPs trapped in Canada$6,671.13USD $6,778 USD. Pretty standard. This only grows when Tesla goes crazy.
Chequing$629.78 $104.97
Savings $6,465.09 $6,473 Chilling.
Savings Certificate$721.69 $1670 Been adding to this heavily now that I don’t have credit card debt to worry about. Plus there’s a 4% dividend, so why not? Basically a dividend stock without any risk.
Total Assets $62,039.30 $66,893.19 Bro what??
Credit Card-7,000.18 -5669.99 $-4,977.16. $4,033.64$1,087.45.
New balance: $0.00
Credit Card #2$0.
Credit Card #3$0.
Total Debt$$1,087.45 $0.00
August 2023 Total: $64,657.68. $66,839.19 With no debt to slow me down, I’m on a nice upswing. Up another 2 grand. “70K by summer” is sounding a lot more possible now.
Officially in the 60K Club for the 3rd update in a row.

And now, let’s dig into March 2024’s numbers:

PLTR$3,201.00(200 shares). $4,595.84 Bro whaaaaaaaaaaat! PLTR is finally recovering? Hahaha. Now I’m only, “only”, ONLY down $2,100 on this stock. That’s nice.
KO$1,914.00 (32.06 shares) $1,963 (32.06 shares) Floating up $50 in value, but can float right back down too. No new shares added.
DOW$666.37(12.15 shares).$713.48 (12.3 shares) Ayyyye, little DRIP action, .15 shares added. I like it.
VZ $296.21 (7.35 shares)$312.75 (7.465 shares) Thank you for the dividend, Mr.Verizon Man.
MO$1,245.39 (30.01 shares). $1,341.53 (30.7 shares) You know, I put in a 90-day limit sell on this and it never hit. So ultimately, I think this stock is circling the drain. It should’ve hit, it shoudl’ve sold, and I should’ve regretted selling it. That’s what was supposed to happen. But the limit sell never hit, and now I own even more of it. Oh well haha.
TM$392.74 (2.09 shares)$526.22 (2.09 shares). I definitely missed some news on this one. Doubled for no reason? There’s probably a reason. But I’m not gonna google it this moment. Holding 5ever.
STRC$68.47 (100 shares). $189.57 . This one tripled?? Okay, I really gotta stay off google. Whatever these fools are doing, is working.
EDIT$22.01(SOLD) *This is from last update, but the philosophy is still true*. I got in at $7/share, got out 2 months later at $11/share for 2 shares. I’m just tired of putting money into “exciting new” stocks and then getting stuck with a loss (*cough* Palantir *cough*). I’d rather put the money into solid dividend companies or real estate.
Bitcoin$12,207 (0.274 BTC)$19,620 (0.275 BTC). Up SEVEN THOUSAND USD in less than 3 months. I’m not selling til it hits at least 89 or 90,000/coin though. A 300% return would be pretty sweet.
BNB coin$1,043.77 (3.38BNB). $1,984 (3.4 BNB). Well goddamn, she jumped up alright. Probably sell when it hits $600/coin again? I mean, she’s close. But at the same time, I’m getting a steady stake on it. So why sell?
DOGE (Sold)$132.05(1601 coins). Sold @ $150.77(1601 coins)
Soldddddddddddddd. Finally got that off my books. Watch, it’ll go 10x 2025 now that I don’t have it anymore haha.
Silver Coins&Bars$2,000 (Haven’t purchased any precious metals in years)
Employer 401K $29,945.79 $34,330 
RRSPs trapped in Canada$6,778USD $5,953 USD.
Chequing$104.97 $1289.42
Savings $6,473 $6,549 I put my credit card cashback here sometimes. Haha.
Savings Certificate$1670 $1925.44 I was adding to this heavily when I didn’t have credit card debt to worry about. But then I bought my mom a bunch of furniture and some cross-border travel (a few borders, haha). So, paused on this one for at least a couple months.
Total Assets $66,893.19 $81,444.80 Bro what?!?!?!?!
Damn. That’s awesome. Between BTC, PLTR, and BNB. And of course, my 401K contributions. It’s adding up.
Credit Card #1$0.00 New balance: $-1,935.44
Credit Card #2$0.00 New balance: $-777.97
Credit Card #3$0.
Total Debt$0.00 $-2,713.41
August 2023 Total: $68,839.19 $78,731.39  “70K by summer” was my goal. I have now shattered that goal, and it’s not even March. Will the market tank by then? Who knows – probably haha.
“70K by Summer” – shattered. I’m in the 70K club now. Will I hit 80K before the market crashes? Who knows – haha.

Wow, what an update. My goal last update was “70K by summer”. Somehow, I blew past that and ended up at $78K, just before April haha. So what’s my new goal, 90K by September? (9th month, yknow). Doesn’t sound as good. Plus, a lot of this is just “high tide”. What goes up, must come down. Which is why I try to carry zero debt (I managed to be debt free for what, 3 months? Haha).

But you know what I’m saying. No debt, means no debt servicing, no interest payments – and it just makes life simpler. Paying off debt is always a fun challenge though. And last time I checked, I still got that DAWG in me, haha.

So my goal between now (March 28th) and May 1st is to pay off my credit cards (Again). To get them back to a zero balance with an auto-pay I don’t have to think about.

Well, that was a lot of writing about nothing, huh?

Make sure you’re having fun out there.

Remember, I’m rooting for ya. Keep your stick on the ice.
-Jonny F

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Credit Card Debt Late Twenties and Broke Net Worth Updates

Jan 2024 Net Worth Update

How’s it going folks? I’m your host Jonny F, and this is Late Twenties And Broke. Thanks for stopping by.

We’re 7 (seven!) days into 2024, so it’s high-time I do a start-of-the-year Net Worth Update.

I’m starting this year off magically. Much better than 2023. I have a wonderful partner, I’m debt-free, I have 30+ days of travel&vacation coming up, and I have pretty good employment. A totally different situation than when I started this blog, so thanks for coming along for the ride. But this train’s got no brakes baby. Let’s dig into some numbers.

Last Net Worth Update (December):

PLTR$4,128.00(200 shares). $3,632. Well, PLTR has swung down again. Still making some income selling annual out-of-the-money calls though. Holding it 5ever.
KO$1,8824.00 (31.81 shares) $1,862 (31.81 shares) Dipped another twenty bucks, but there is a dividend pending so it’s all good.
DOW$619.95(11.84 shares).$624.75 (11.99 shares) Same thing, share price went down but got a little DRIP.
VZ $266.59 (7.35 shares)$279.82 (7.35 shares) No change since November, aside from $5.
MO$1,226.48 (30.01 shares). $1,275.71 (30.01 shares) No real change from November, aside from $50.
TM$400.84 (2.07 shares)$388.30 (2.07 shares). No new DRIP, but there is a dividend pending.
STRC$68 (100 shares). $67.36 . This robotics company hasn’t released their Tony Stark Ironman suits yet, but a man can dream.
EDIT$19.60 (2 shares). $22.20 This company still doesn’t have the capabilities to develop X-men or Marvel superheroes.
Bitcoin$10,410.00 (0.274 BTC)$11,503 (0.274 BTC). Up another grand, which is awesome. But you know how BTC is, always swinging around.
BNB coin$829.92 (3.373BNB). $774.51 (3.37 BNB). Little dip, but it’s crypto. I always assume the dip lol.
DOGE$103.97(1601 coins)$143.40(1601 coins) Somehow I’m up $4 overall on this one? Nice. I’m used to being sixty dollars underwater.
Silver Coins&Bars$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K $25,456.04 $27,596.94 I’m gonna be honest, I’m too lazy to look this one up so we’ll just pretend it’s the same.
RRSPs trapped in Canada6,611.13USD 6,671.13 USD. Pretty standard. This only grows when Tesla goes crazy.
Chequing$926.11$629.78
Savings $6,463.80 $6,465.09 Chilling.
Savings Certificate$519.86 $721.69 Added $200 to this, since I don’t have a credit card to worry about anymore.
Total Assets $59,388.90 $62,039.30 Jeeeeez, I did not expect to have $62,000 in assets. That’s actually phenomenal.
Credit Card-7,000.18 -5669.99 $-4,977.16. $4,033.64$1,087.45.
New balance: $0.00
Credit Card #2$0.
Credit Card #3$0.
Total Debt$$1,087.45 $0.00
August 2023 Total: $60,951.85. $64, 657.68 Jeeeeez. Up another 3 and a half grand. In literally like, 2 weeks. I am so glad I paid off that damn credit card. Wow.
Officially in the 60K Club for the 2nd update in a row.

And now, Jan 2024’s numbers:

PLTR$3,632.00(200 shares). $3,201. What a surprise, PLTR is down again haha. It is what it is. One of my calls is expiring on Jan 19th, so at least I can sell a out-of-the-money call again to squeeze some derivative juice out of this orange. If you don’t know what a derivative is, you need to read Rich Dad Poor Dad again.
KO$1,862.00 (31.81 shares) $1,914 (32.06 shares) The DRIP has added up to another share, bringing me past the 32 mark. Coke stock is just so damn reliable. And from all the Coke Zero I drink, I can see why their profits are so steady haha. Doesn’t matter what country I’m in – I can always find Coke Zero.
DOW$624.75(11.99 shares).$666.37 (12.15 shares) Good day for the DRIP. Rolled from 11 shares over to 12.
VZ $279.82 (7.35 shares)$296.21 (7.35 shares) $20 of growth? Shit, I’ll take it.
MO$1,275.71 (30.01 shares). $1,245.39 (30.01 shares) There’s a pending dividend of $29, which is cool. I’ve actually had a limit sell posted for Altria (MO) for about a month now. I bought it because I used a lot of ON! Pouches, and Altria Group bought ON! from the original Swedish company. They also own Skoal and Copenhagen. But I don’t even use ON! anymore. I just feel like they’re gonna lose market share over a 10 or 20 year period.
TM$388.30 (2.07 shares)$392.74 (2.09 shares). The December dividend was $3.46, nothing crazy but hey – free money.
STRC$67.36 (100 shares). $68.47 . This robotics company was a lottery ticket for me. I have 100 shares so if it jumps, I can definitely sell some out-of-the-money calls. But that probably won’t be for 5 years, or they’ll just get delisted. We’ll see. I just want an Ironman suit or a cool cyborg hand.
EDIT$22.20 (2 shares). $22.01(SOLD) I got in at $7/share, got out 2 months later at $11/share for 2 shares. I’m just tired of putting money into “exciting new” stocks and then getting stuck with a loss (*cough* Palantir *cough*). I’d rather put the money into solid dividend companies or real estate.
Bitcoin$11,503.00 (0.274 BTC)$12,207 (0.274 BTC). Up another $700. I’m not selling til it hits at least 89 or 90,000/coin though. A 300% return would be pretty sweet.
BNB coin$774.51 (3.373BNB). $1,043.77 (3.38 BNB). Got some stake action on this one. Not sure what my long term plan on this one is. Probably sell when it hits $600/coin again?
DOGE$143.40(1601 coins)$132.05(1601 coins) Alright, this one is annoying. I’ve had a limit sell on this for a month, but Crypto.com is trash. I was finally up $15 so I wanted to get out of it, and despite chilling above my limit sell for hours at a time – it just wouldn’t execute. So the price ceiling of $0.09 must just be stacked with sell orders.
Silver Coins&Bars$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K $27,596.94 $29,945.79 Up another 2.5Gs, ol’ reliable. And it’s definitely crossing the 30K mark like…next month. Shit’s wild.
RRSPs trapped in Canada$6,671.13USD $6,778 USD. Pretty standard. This only grows when Tesla goes crazy.
Chequing$629.78 $104.97
Savings $6,465.09 $6,473 Chilling.
Savings Certificate$721.69 $1670 Been adding to this heavily now that I don’t have credit card debt to worry about. Plus there’s a 4% dividend, so why not? Basically a dividend stock without any risk.
Total Assets $62,039.30 $66,893.19 Bro what??
Credit Card-7,000.18 -5669.99 $-4,977.16. $4,033.64$1,087.45.
New balance: $0.00
Credit Card #2$0.
Credit Card #3$0.
Total Debt$$1,087.45 $0.00
August 2023 Total: $64,657.68. $66,839.19 With no debt to slow me down, I’m on a nice upswing. Up another 2 grand. “70K by summer” is sounding a lot more possible now.
Officially in the 60K Club for the 3rd update in a row.

There’s a saying: “If you want to go fast, go alone. If you want to go far, go together”. I’ve had so many mentors over the years. And so many peers (online or otherwise) to look up to, to see the road ahead and try to learn from their mistakes.

But it’s only when the student is ready, that the teacher appears. I’m going to start recommending certain books on here, that have helped me along the way. They helped when times were tough, and when times were good as well. But if you’re in a debt emergency, or stressed at all about your debt, the #1 book I can recommend is Total Money Makeover by Dave Ramsey. He’s not the best voice when it comes to building wealth, but he definitely has a lot of expertise in helping folks fix their budget and get debt paid off fast. I’ll be posting a full review in the future, along with a guide to maximizing your credit score (I’m sitting at 813 right now).

Remember, I’m rooting for ya. Keep your stick on the ice.
-Jonny F

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Credit Card Debt Late Twenties and Broke Net Worth Updates

CREDIT CARD IS PAID OFF – December 2023 Net Worth Update

Well hello folks, welcome back to Late Twenties and Broke. I’m your host Jonny F, and yes you read that correctly – my credit card is PAID OFF.

late twenties and broke credit card paid off

Yes, last update I chopped my credit card down from 4k to only $1,100.A pretty amazing feat for me in only 3 months. A couple weeks later, my next paycheck hit, and I paid that shit off. Zero, baby. And that’s it, I’m debt free.

With all that being said, let’s dig into the numbers and see how the overall picture looks now.

PLTR$4,128.00(200 shares). $3,632. Well, PLTR has swung down again. Still making some income selling annual out-of-the-money calls though. Holding it 5ever.
KO$1,8824.00 (31.81 shares) $1,862 (31.81 shares) Dipped another twenty bucks, but there is a dividend pending so it’s all good.
DOW$619.95(11.84 shares).$624.75 (11.99 shares) Same thing, share price went down but got a little DRIP.
VZ $266.59 (7.35 shares)$279.82 (7.35 shares) No change since November, aside from $5.
MO$1,226.48 (30.01 shares). $1,275.71 (30.01 shares) No real change from November, aside from $50.
TM$400.84 (2.07 shares)$388.30 (2.07 shares). No new DRIP, but there is a dividend pending.
STRC$68 (100 shares). $67.36 . This robotics company hasn’t released their Tony Stark Ironman suits yet, but a man can dream.
EDIT$19.60 (2 shares). $22.20 This company still doesn’t have the capabilities to develop X-men or Marvel superheroes.
Bitcoin$10,410.00 (0.274 BTC)$11,503 (0.274 BTC). Up another grand, which is awesome. But you know how BTC is, always swinging around.
BNB coin$829.92 (3.373BNB). $774.51 (3.37 BNB). Little dip, but it’s crypto. I always assume the dip lol.
DOGE$103.97(1601 coins)$143.40(1601 coins) Somehow I’m up $4 overall on this one? Nice. I’m used to being sixty dollars underwater.
Silver Coins&Bars$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K $25,456.04 $27,596.94 I’m gonna be honest, I’m too lazy to look this one up so we’ll just pretend it’s the same.
RRSPs trapped in Canada6,611.13USD 6,671.13 USD. Pretty standard. This only grows when Tesla goes crazy.
Chequing$926.11$629.78
Savings $6,463.80 $6,465.09 Chilling.
Savings Certificate$519.86 $721.69 Added $200 to this, since I don’t have a credit card to worry about anymore.
Total Assets $59,388.90 $62,039.30 Jeeeeez, I did not expect to have $62,000 in assets. That’s actually phenomenal.
Credit Card-7,000.18 -5669.99 $-4,977.16. $4,033.64. $1,087.45.
New balance: $0.00
Credit Card #2$0.
Credit Card #3$0.
Total Debt$$1,087.45 $0.00
August 2023 Total: $60,951.85. $64, 657.68 Jeeeeez. Up another 3 and a half grand. In literally like, 2 weeks. I am so glad I paid off that damn credit card. Wow.
Officially in the 60K Club for the 2nd update in a row.

Wow, all I can say. From humble fuckin’ beginnings in California, I’ve like doubled my net worth since starting this blog. And become debt free. All while not making a cent off this website haha.

That’s enough rambling for me. Thanks for stopping by Late Twenties And Broke, and come back anytime.

Keep your stick on the ice,
-Jonny F

Categories
Credit Card Debt Late Twenties and Broke Net Worth Updates

November 2023 Net Worth Update

Is it that time already?

Well hello folks, good to see ya. I’m your host Jonny F, and please enjoy this Net Worth Update here at Late Twenties And Broke.

I know my Bitcoin is up, and my credit card is ALMOST PAID THE FUCK OFF. Just sent them a thousand bucks, got like a thousand left. It’s on it’s last fucking legs. One more paycheck and they’re yelling timber.

But that’s next paycheque. Not today. Let’s take a quick look at how last update was…

PLTR$1,710.00(200 shares). $2,910. This stinker finally swung back some, up $1200 from last update. Holding this stinker 5ever.
KO$1,977.81 (31.31 shares) $1,904.11. (31.55 shares) A little swing down but got 20% of a share for free.
DOW$664.99(11.68 shares).$639.14 (11.84 shares) Same thing, share price went down but got a little DRIP.
VZ $121.78 (3.1 shares)$107.25 (3.21 shares) Drip.
MO$1,269.00 (28.19 shares). $1,282.37 (29.34 shares) One of the only stocks that went up this time. Plus a lil drip.
TM$280.38 (2.04 shares)$340.84 (2.07 shares). Nice little jump to offset the others. And drip of course.
Bitcoin$8,391.6 (0.27 BTC)$7,213.38 (0.274 BTC). A thousand-dollar “loss” and I couldn’t be happier with it.
BNB coin$1,113.03 (3.32 BNB). $733.98 (3.356 BNB). Price dipped about $400, but I got some more from staking, so overall a win.
DOGE$148.07(1601 coins)$102.33(1601 coins) Went down forty bucks. I do not stake this, so no gains there.
Silver Coins&Bars$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K $22,756.61 $25,456.04 Another 2.5 grand in the bank. Consistency is key.
RRSPs trapped in Canada5,957.87USD 6,673.59 USD. I honestly forgot I had this. It went down a couple updates ago but it’s at its normal price now.
Chequing$1,198.75$1,082.76
Savings $11,742.00 $10,602.09 $8,428.80 I actually have no idea where this money is going. Note*
Savings Certificate$507.04 $514.31 Another $7 of growth on this rocket.
Total Assets $50,757 $58,699.02 $59,388.90 Not as big of a jump as I was expected, but a lot of my stocks rolled backwards.
Credit Card-7,000.18 -5669.99 $-4,977.16. $4,033.64. I shaved another grand off of this, so that’s good. I fucking hate this balance though and want it gone.
Credit Card #2$0.
Credit Card #3$0.
Total Debt$-4,033.64
August 2023 Total:$45,087 $53,412.39 $55,355.26 A positive change of just under 2 grand in 3 months. That’s a healthy delta in my books.
Solidified my position in the 50K club. I see some challenges in the next 3 months though.

So that’s the old info. Got some nice dividend messages when I logged into Robinhood.

latetwentiesandbroke Dividends Dividend Income

Alrighty. And without further ado, let’s get into this fricking update baby.

PLTR$2,910.00(200 shares). $4,128. Swung up another $1100, still down like 3 grand though lolol. I’m patient though.
KO$1,904.11 (31.55 shares) $1,882 (31.81 shares) Dipped twenty bucks, got a quarter share for free. Same same.
DOW$639.14(11.84 shares).$619.95 (11.84 shares) Same thing, share price went down but got a little DRIP.
VZ $107.25 (3.21 shares)$266.59 (7.35 shares) Bought 4 more shares while it was cheap.
MO$1,282.37 (29.34 shares). $1,226.48 (30.01 shares) Price is back down, but she staying drippy.
TM$340.84 (2.07 shares)$400.84 (2.07 shares). No new DRIP, but it went up 60 bucks, not bad.
STRC$68 (100 shares). Random addition in case this company can develop Tony Stark Ironman suits.
EDIT$19.60 (2 shares). Random addition in case this company can develop X-men and Marvel superheroes.
Bitcoin$7,213.38 (0.274 BTC)$10,410 (0.274 BTC). Up three grand, that’s what I’m talmbout! Lets see how she’s doing around…May 2025.
BNB coin$733.98 (3.356BNB). $829.92 (3.37 BNB). Little bump and got more from staking. A win/win.
DOGE$102.33(1601 coins)$130.97(1601 coins) I don’t stake this, so I don’t really care. Next crypto bubble I’m selling it probably.
Silver Coins&Bars$2,000 (Haven’t purchased any precious metals in Japan)
Employer 401K $25,456.04 $27,596.94 Another 2 grand in the bank. Not bad at all.
RRSPs trapped in Canada6,673.59USD 6,611.13 USD. Pretty standard. This only grows when Tesla goes crazy.
Chequing$1,082.76$926.11
Savings $8,428.80 $6,463.80  Unfortunately this keeps dipping while I’ve been in Japan. I gotta build it back up to $12,000 where it belongs.
Savings Certificate$514.31 $519.86 Another 5 bucks, this thing is unstoppable.
Total Assets $59,388.90 $62,039.30 Jeeeeez, I did not expect to have $62,000 in assets. That’s actually phenomenal.
Credit Card-7,000.18 -5669.99 $-4,977.16. $4,033.64. –$1,087.45. I feel so peaceful seeing this thing get killed. My strategy is working.
Credit Card #2$0.
Credit Card #3$0.
Total Debt$$1,087.45
August 2023 Total: $55,355.26 $60,951.85. Wow. Up another 5 grand, AND, my first entry into the 60K club. This is phenomenal.
My first time entering the 60K club. And my credit card is almost dead.

Wow, what an update. From the day I arrived in Japan to now, this short year and a half, my net worth is up 16 grand and I’m almost, almost, almost debt free. This place has been a pressure cooker and very challenging. But a lot of my strategies are paying off.

In January, I’ll say goodbye to Japan and do a lot of work-related travel. I’m actually going to live in 4 different countries during 2024. My biggest challenge will be living frugally and not blowing money on takeout. I already know, that will be my biggest challenge. If I can stick to frugal hotel meals like store-bought tuna, instant rice and ham sandwiches, haha, I can hit 70K for sure by the summer. 70K by summer. Let’s go.

Thanks for stopping by,
-Jonny F