I want to explain why I do a monthly net worth update.
- Keep me accountable
- Track my journey
- Prove that anyone can become a millionaire
- Prove that FIRE works

I hit FIRE in 2023 at age 38! Stay consistent and keep investing like it’s going out of style.
Income
This month I made $31,093. This is with me not using any SWR for my investments. My income is from a pension and being a disabled Veteran. My income this month is insane!! But that is because I was gifted $25,000 by my Mom. I’ll get into more of that later in this post.

Expenses
Expenses total right at $5,335. Another month and another failed attempt at spending all of my passive income. What was unique about this month’s expenses is the RV park I am staying at in Key West had us pay our site rent for Nov, Dec, and Jan all when we arrived. I have never had to pay ahead at any RV park I have stayed at. Kind of crazy to think but even with that I was not able to spend all of my passive income.

Savings
Now that I am retired the focus is not a high savings rate. But seeing my passive income is 2x-3x what I usually spend I forsee me still saving and investing some money. This month I saved $25,758. This again is with my intentionally trying to blow money.
- $25,758 Money Market Account
Check out CC hacking it saves me a ton of money!
Side Hustle
Side Hustle Income: $0
Net Worth: $583,468
These days the goal is to spend more so I am not actively investing anymore so unfortunately I am not taking advantage of this sale!!
My net worth does not account for my passive income. I only account for my liquid investments, cash, and my paid-off RV on this net worth. However, I put my RV for far less than NADA says it’s worth and less than similar models are listed for on the used market. I eventually might take it off completely but as of today I have it on here and accounts for $17K of my total net worth.

That is a +$65,418 gain since my last net worth update for October 2023 was $518,050.
I love using Empower to track my Wealth.
Final Thoughts
I am now finally in Key West and settled in fairly nicely. It’s more humid than I remember it being this time of the year here. That kind of sucks as I am at a dry camping spot with no hookups. I do have solar but that does not power my A/C. I had to go buy another fan just so I could sleep better lol. Funny that I am financially independent and still put myself in these awkward positions in life.
Let’s talk about that huge income this month. My step Dad died back in August so a lot of things happened between then and now. As you all can imagine who has lost someone there are a lot of things that go into an event in life like this. But one thing I recommended to my Mom was if she was comfortable it could be a good idea to start gifting some money to the kids vs leaving a big lump sum later in life. There are a lot of benefits in my eyes to gifting money vs the big lump sum inheritance. This was what my Mom decided on. Though it was way more money than I was originally thinking when I suggested that lol. Ethier way I am more than thankful to be gifted money. Thanks, Mom!!!
Besides that, my investments are starting to take off again. Especially my crypto and individual stocks. Though this is a small portion of my portfolio. My crypto and individual stocks make up less than 10% of my portfolio. I really should look into fixing that as my original goal was to make it 10% of my portfolio. But I have been too lazy to buy more crypto and individual stocks.
BlockFI is what I use to optimize my crypto accounts to build more wealth.
My Passive Income
It’s cool that I make $72,000 a year without even touching my investments. That is the equivalent of $1,800,000 million invested at a 4% SWR. If you add my investment portfolio to that I could have around $92,000 a year in passive income or the equivalent of $2,300,000 million invested at a 4% SWR.
This does not include my wife’s passive income or assets. I have kept those separate as we keep finances separate and as FIRE bloggers I’m not sure it would be fair in a way to combine them.
Could I hustle a bit more to make it to $100,000 in passive income a year? I could and it does sound cooler than $92,000. But I don’t see a reason to do so yet. I don’t spend anywhere near $92K a year as is. Also, I only see my investment portfolio going up as time goes on. Which will create more passive income.
It does feel incredible knowing that I can spend up to $92,000 a year and never have to work at a job to do so. It’s all passive income that I get no matter what I do that year or where I live.
For this blog, I only show my portfolio and don’t show our combined portfolio. I’ll leave it at that we are doing very well and way above average!
Those of you who have been following my Net Worth Updates can probably skip the rest of this post.
Barista and Coast FIRE group.
I have created a FIRE group for Barista and Coast FIRE people. I saw there was a gap in the community and these paths seem like the more enjoyable path. So I said, “I have to take on this passion project.”
One of my desires this year is to get and build more community! Here is the Barista and Coast FIRE group HERE.
Join us in our no-judgment FIRE group

Fitness
No gym, weights, or fancy gear for over a year! I’m slaying this fitness routine. It’s Fun, Simple, and Works. I’m gaining flexibility, strength, and endurance it’s incredible. Mind you this is with me having multiple injuries from the Marine Corps. I have learned I never needed that gym anyway.
On top of that, I have started to cultivate a Facebook Fitness group where anyone is welcome to come to join us. I set Bootcamp challenges to get everyone motivated and active.
Do you have a fitness goal for 2023?
- Get stronger
- Lose stubborn body fat
- Get a more defined six-pack
- Be more active without being judged
Join my FREE no judgment fitness FB group HERE. The goal is to build a community and help positively impact your health for FREE.

Hopefully, you enjoy these updates and it inspires you to keep going!