{"id":92545,"date":"2026-05-02T20:10:33","date_gmt":"2026-05-03T01:10:33","guid":{"rendered":"https:\/\/www.bricktowntom.com\/blog\/?p=92545"},"modified":"2026-05-02T20:10:33","modified_gmt":"2026-05-03T01:10:33","slug":"march-fire-update","status":"publish","type":"post","link":"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html","title":{"rendered":"March FIRE Update"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"525\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/March-Fire-Update-350.jpg?resize=350%2C525&#038;ssl=1\" alt=\"March 2022 FIRE Update Twitter\" class=\"wp-image-25587\" \/><\/figure>\n<\/div>\n<p>Hey, everyone. Q1 is over! Boy, what an exciting year 2022 has been, so far. Well, exciting isn\u2019t quite the right word. The world seems to be spinning out of control, but we have to figure out what we can and can\u2019t control. I can\u2019t do anything about inflation, the war in Ukraine, or Covid. But I could minimize spending and get a booster vaccine shot, for example. It\u2019s no use to worry too much about the things we can\u2019t control. That\u2019s how I stayed happy in March while the TV is full of bad news. (Hint: The TV is always full of bad news.) Oh, I didn\u2019t watch much TV either.<\/p>\n<p>Anyway, I\u2019m in Thailand for just a few more days. Then, I\u2019ll be back in Portland, just in time for spring! There are all kinds of activities waiting for me back home.<\/p>\n<ul>\n<li>Take RB40Jr to his soccer games. (The coach asked if I can fill in last weekend. Sorry! I\u2019m in Thailand. Heh heh.)<\/li>\n<li>Take RB40Jr to school, meet up with his friends, and various other activities.<\/li>\n<li>Fix up the heater\u2019s water pump and various other problems around the house.<\/li>\n<li>Cook! I haven\u2019t cooked for 3 months. Hopefully, I can still do it.<\/li>\n<li>Exercise every morning.<\/li>\n<li>File the tax return. Actually, I\u2019ll file an extension because I haven\u2019t started yet.<\/li>\n<li>Etc\u2026<\/li>\n<\/ul>\n<p>I\u2019m looking forward to getting back to the regular routine.<\/p>\n<p>On the personal finance side, March was a very good month. Our income was solid and our expenses were low. I traveled to the beach in Thailand and spent some money, but not a huge amount. It was a nice getaway. Our passive income exceeded our expenses again. We continued to save the extras. It was a good month.<\/p>\n<p>I\u2019ll share how I\u2019m doing on my New Year goals (badly) and update our monthly cash flow. Here are the details.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#2022_Goals\" >2022 Goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#Financial_Goals\" >Financial Goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#Health_Goals\" >Health Goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#Fun_Goals\" >Fun Goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#Net_Worth_-32_YTD\" >Net Worth (-3.2%&nbsp;YTD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#2022_Passive_Income_13783_YTD\" >2022 Passive Income ($13,783 YTD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#March_2022_Cash_Flow\" >March 2022 Cash Flow<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#Gross_Income_14176\" >Gross Income: $14,176<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#Monthly_Spending_3244\" >Monthly Spending: $3,244<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#Others\" >Others<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#2022_Savings_27006_YTD\" >2022 Savings ($27,006 YTD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.bricktowntom.com\/blog\/05\/march-fire-update.html\/#March_2022_wrap_up\" >March 2022 wrap up<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"2022_Goals\"><\/span><strong>2022 Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here is my 2022 goal spreadsheet. It works really well. Try it out if you can\u2019t keep up with your New Year goals. The key is to go over the spreadsheet at least once a month to track your progress. That way, you can see which goals need extra attention.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"667\" height=\"352\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/March-NY-Goals.jpg?resize=667%2C352&#038;ssl=1\" alt=\"\" class=\"wp-image-25564\" \/><\/figure>\n<\/div>\n<p>I\u2019m not doing so well on my goals this year. I already failed 3 of them. See the reason below.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial_Goals\"><\/span><strong>Financial Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Real Estate Crowdfunding $200,000.<\/strong>&nbsp;This goal was a bit too ambitious. I need to extend the timeline to 2023. Also, we have an unexpected expense. We are building a beach cabin in Thailand. So, I\u2019m not sure how much we can increase our investment in RE crowdfunding this year. Anyway, the projects on&nbsp;<a href=\"https:\/\/retireby40.org\" target=\"_blank\" rel=\"noreferrer noopener\">CrowdStreet<\/a>&nbsp;finish their funding phase quickly. Investors are taking profit from the stock market to diversify. It\u2019s a great way to passively invest in real estate.<\/li>\n<li><strong>FI Ratio &gt; 110%.&nbsp;<\/strong>This is my main goal for 2022. The&nbsp;<strong>FI ratio&nbsp;<\/strong>is passive income divided by expense. So far, our FI ratio is 153%. That\u2019s excellent. This year, I\u2019m less focused on our passive income because Mrs. RB40 plans to work longer. However, I\u2019ll try to keep our passive income above 110%.<\/li>\n<li><strong>Sell rental condo.<\/strong>&nbsp;Our tenant decided to stay for another year. He\u2019s a great tenant so I\u2019m okay with it. The price isn\u2019t great in that area anyway. Portland is still struggling with a lot of issues. Hopefully, the city will improve soon. Anyway, I failed this goal.<\/li>\n<li><strong>Speculate crypto $10,000.<\/strong>&nbsp;This isn\u2019t going too well. Crypto seems to track the stock market closely. I need to do more research and see why. Cryptocurrency will be very volatile in the short term so hang on if you have a lot of money invested. Currently, I have about $2,500 in crypto currencies.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Health_Goals\"><\/span><strong>Health Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Unfortunately, I lost my fitness tracker in Bangkok. I have no idea how it happened. It probably just popped off my wrist. Oh well, I\u2019ll see if I can pick up another tracker when I get home. But I lost all motivation for now. I\u2019m eating like crazy in Thailand because the food is so affordable and delicious. I\u2019ll lose weight later. At least, I\u2019m walking a lot so I\u2019m burning calories.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Fun_Goals\"><\/span><strong>Fun Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Travel 180 days<\/strong>&nbsp;\u2013 I was away from home for 79 days since the beginning of 2022. It would be more fun if my family was here, but Mrs. RB40 is busy with work and RB40Jr with the school.&nbsp;<a href=\"https:\/\/retireby40.org\/can-wife-early-retire-yet\/\">She could retire if she wants<\/a>, but she chooses to work this year. I\u2019ll just travel solo when I can. We\u2019ll travel together in the summer.<\/li>\n<\/ul>\n<ul>\n<li><strong>1,000 subscribers on my YouTube channel.<\/strong>&nbsp;Currently, we have 575 subscribers on&nbsp;<a href=\"https:\/\/www.youtube.com\/channel\/UCH8PcOiAjrzR3Td6lyvclrw?view_as=subscriber\" target=\"_blank\" rel=\"noreferrer noopener\">our YouTube channel<\/a>. I was publishing several clips per week, but I got too busy this month. Hopefully, I\u2019ll get back on track next month.<\/li>\n<li><strong>Hot air balloon ride, zipline, and Disneyland.<\/strong>&nbsp;I\u2019ll work on this when I get back to Portland. Hot air balloon ride near Portland. Zipline in Thailand in the summer. Disneyland in the fall.<\/li>\n<li><strong>Happiness level &gt; 8.<\/strong>&nbsp;I\u2019m having a great time in Thailand and I\u2019m not even spending much money. In March, I give it a 9.5. I got to see my parents and relatives. I ate a ton of delicious food. Life is good. The only problem is my mom. Her dementia is deteriorating. She\u2019ll have to go to a nursing home soon. It\u2019s sad, but that\u2019s the price of getting old. I\u2019m just happy to be able to spend time with her. Like I said, let\u2019s focus on what we can control and let go of what we can&#8217;t.<\/li>\n<\/ul>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"580\" height=\"371\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/March-Happiness.jpg?resize=580%2C371&#038;ssl=1\" alt=\"\" class=\"wp-image-25566\" \/><\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Net_Worth_-32_YTD\"><\/span><strong>Net Worth (-3.2%&nbsp;YTD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>I\u2019ve been&nbsp;<a href=\"https:\/\/retireby40.org\/personal-capital-track-finances-free\/\">tracking our net worth<\/a>&nbsp;since 2006. It is very motivating to see our progress. The power of compounding is unbelievable. Our net worth increases more than we earn almost every year. However, 2022 might not work out so well. The stock market dropped quite a bit since the beginning of the year. Our net worth followed the market down and dropped about 3%. I think that\u2019s all right, though. The stock market increased so much last year. It needs to calm down a little. I\u2019m surprised it came back so quickly with the ongoing geopolitical crisis.<\/p>\n<p>Here is a chart of our net worth from Personal Capital.&nbsp;<a href=\"https:\/\/retireby40.org\/pcap\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sign up for a free account at Personal Capital<\/a>&nbsp;to help manage your net worth and investment accounts. I log in almost every day to check on our accounts. It\u2019s a great site for DIY investors.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"865\" height=\"435\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/March-Networth.jpg?resize=865%2C435&#038;ssl=1\" alt=\"\" class=\"wp-image-25567\" \/><\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"2022_Passive_Income_13783_YTD\"><\/span><strong>2022 Passive Income ($13,783 YTD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here is a quick summary of our passive income. You can see all the details on my&nbsp;<a href=\"https:\/\/retireby40.org\/passive-income\/\"><strong>Passive Income page<\/strong><\/a>.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"567\" height=\"247\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/March-passive-incoem.jpg?resize=567%2C247&#038;ssl=1\" alt=\"passive income\" class=\"wp-image-25571\" \/><\/figure>\n<\/div>\n<p>March was a good month for passive income. Also, we didn\u2019t spend much so our FI ratio looks really good. &nbsp;<\/p>\n<p>*FI ratio = passive income\/expense<\/p>\n<h2><span class=\"ez-toc-section\" id=\"March_2022_Cash_Flow\"><\/span><strong>March 2022 Cash Flow<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Our cash flow was good in March. Our income was solid on all fronts except for side hustles. I\u2019ll take a break from side hustling this year because we plan to travel a lot more. Last month, we didn\u2019t spend much. Overall, it was a good month financially.<\/p>\n<p>Here is the Sankey diagram of our March cash flow. You can get a quick overview from the diagram and see the details below.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"700\" height=\"550\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/March-Sankey.jpg?resize=700%2C550&#038;ssl=1\" alt=\"\" class=\"wp-image-25573\" \/><\/figure>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"Gross_Income_14176\"><\/span><strong>Gross Income: $14,176<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Our gross income will be lower than usual this year. We plan to work less and travel more.<\/p>\n<ul>\n<li><strong>Mrs. RB40\u2019s job<\/strong>: $8,417. Mrs. RB40\u2019s income was normal. &nbsp;&nbsp;<\/li>\n<li><strong>Blog income:<\/strong>&nbsp;$3,355. My blog income was higher than usual. Q1 is usually the best quarter for me. It\u2019ll be down next month.<\/li>\n<li><strong>Real estate crowdfunding<\/strong>:&nbsp;$10. It was a slow month for Real estate crowdfunding. You can read more on the&nbsp;<a href=\"https:\/\/retireby40.org\/passive-income\/real-estate-crowdfunding\/\">RE Crowdfunding Passive Income page<\/a>.<\/li>\n<li><strong>Rental income<\/strong>:&nbsp;$884. We had a nice month at the rental. I think we\u2019ll have a good year with rental income. Things are smoother than the previous year.<\/li>\n<li><strong>Dividend Income<\/strong>:&nbsp;$1,723. See more details on my&nbsp;<a href=\"https:\/\/retireby40.org\/passive-income\/dividend-stocks\/\"><strong>Dividend Passive Income page<\/strong><\/a>.<\/li>\n<li><strong>Interest Income:&nbsp;<\/strong>$7<\/li>\n<li><strong>Side hustle &amp; Misc:&nbsp;<\/strong>$0<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Monthly_Spending_3244\"><\/span><strong>Monthly Spending: $3,244<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This year, I plan to spend about $50,000. So our&nbsp;<a href=\"https:\/\/retireby40.org\/a-simple-easy-budget-plan-for-people-who-hate-budgeting\/\">monthly spending budget<\/a>&nbsp;is $4,166\/month. In March, we were under that budget. We didn\u2019t have any big expenses. My travel didn\u2019t cost that much so that was good. Here are the details.<\/p>\n<ul>\n<li><strong>Housing<\/strong>: $1,381. This category includes mortgage, home insurance, HOA fees, property taxes, utilities, home improvement, repair, and furnishing.<\/li>\n<li><strong>Parents<\/strong>: $250. My brothers and I each sent $250\/month to my parents. They don\u2019t have much retirement savings. Fortunately, they live in Thailand so it is enough. I also own the condo they live in so their housing expense is minimal.<\/li>\n<li><strong>Groceries<\/strong>: $409. Usually, we spend about $500\/month on groceries.<\/li>\n<li><strong>Bills<\/strong>: $23. (This is just life insurance. Water, gas, and electric bills are included in the housing category.)<\/li>\n<li><strong>Transportation<\/strong>: $139. This category includes gasoline, insurance, public transportation, and car maintenance.<\/li>\n<li><strong>Entertainment<\/strong>: $98. Mrs. RB40 and Junior got takeout a few times. &nbsp;<\/li>\n<li><strong>Kid<\/strong>: $44. Some game bucks and school pics.<\/li>\n<li><strong>Travel<\/strong>: $541.&nbsp; Hotel rooms, condo, food, and transportation. Not too bad. I traveled to the beach and ate some delicious seafood. <\/li>\n<\/ul>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"650\" height=\"366\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/food-lipe-2.jpg?resize=650%2C366&#038;ssl=1\" alt=\"\" class=\"wp-image-25579\" \/><figcaption>Shrimp and bitter beans stir-fried with chili paste.<\/figcaption><\/figure>\n<\/div>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"650\" height=\"463\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/lipe-food-3.jpg?resize=650%2C463&#038;ssl=1\" alt=\"\" class=\"wp-image-25580\" \/><figcaption>Grilled shrimps<\/figcaption><\/figure>\n<\/div>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" width=\"650\" height=\"567\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/04\/food-lipe-1.jpg?resize=650%2C567&#038;ssl=1\" alt=\"\" class=\"wp-image-25582\" \/><figcaption>Fried mantis shrimps<\/figcaption><\/figure>\n<\/div>\n<ul>\n<li><strong>Health<\/strong>: $12. &nbsp;&nbsp;<\/li>\n<li><strong>Clothing<\/strong>: $147. Mrs. RB40 purchased some stuff.<\/li>\n<li><strong>Misc:&nbsp;<\/strong>$200. Donation.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Others\"><\/span><strong>Others<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>I don\u2019t count these as personal spending.<\/p>\n<ul>\n<li><strong>Taxes and deductions<\/strong>: $2,630.&nbsp;<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2022_Savings_27006_YTD\"><\/span><strong>2022 Savings ($27,006 YTD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>I don\u2019t think we\u2019ll save as much as usual this year. We plan to travel more and relax a bit. We\u2019ve been saving for so long. I think we deserve a break.<\/p>\n<ul>\n<li><strong>Joe\u2019s 401k<\/strong>: $2,300.<\/li>\n<li><strong>Mrs. RB40\u2019s 401k<\/strong>: $4,500. She contributes $750 every paycheck. She\u2019ll need to increase it this year, though. I\u2019ll send her a message.<\/li>\n<li><strong>Roth IRAs<\/strong>: $3,000.<\/li>\n<li><strong>529 College Savings<\/strong>: $0.<\/li>\n<li><strong>Extra savings<\/strong>: $17,206<\/li>\n<\/ul>\n<p><strong>YTD 2021 saving rate = 65%<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"March_2022_wrap_up\"><\/span><strong>March 2022 wrap up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>March was a crazy month for the world, but I had a very nice month. I spent a lot of time with my parents. Financial independence enabled me to do this. My brothers also visited, but only for about 10 days. They don\u2019t have time to relax and help with my mom. This is probably the last time I\u2019ll have good quality time with my mom. The next time I see her, she\u2019ll probably be in a nursing home and who knows how much time I\u2019ll be able to see her then. They still don\u2019t want visitors because of Covid.<\/p>\n<p>I\u2019m just glad for this time with her. Also, it didn\u2019t cost that much money to stay in Thailand for 3 months. It\u2019s a trial run for my future retirement. I\u2019ll spend 6 months in Thailand and 6 months in the US. Life is good in Thailand when you have US money. Housing, food, transportation, and entertainment cost way less than in the US. Fortunately, I have some families here so I\u2019m not too lonely.<\/p>\n<p><strong>How was March for you?&nbsp;<\/strong>Did you have a good month?<\/p>\n<p><a href=\"https:\/\/retireby40.org\/pcap\/\" target=\"_blank\" rel=\"noreferrer noopener\">*Sign up for a free account at Personal Capital<\/a>&nbsp;to help manage your net worth and investment accounts. I log in almost every day to check on our accounts. It\u2019s a great site for DIY investors.<\/p>\n<p>Disclosure: We may receive a referral fee if you purchase or signup for a service through the links on this page.<\/p>\n<p>The post <a rel=\"nofollow\" href=\"https:\/\/retireby40.org\/march-fire-update\/\">March FIRE Update<\/a> appeared first on <a rel=\"nofollow\" href=\"https:\/\/retireby40.org\">Retire by 40<\/a>.<\/p>\n<p>Source: Retire By 40<\/p>\n<p id=\"kc_opp\"><small>Republished by  <a href=\"http:\/\/www.blogtrafficexchange.com\/\">Blog Post Promoter<\/a><\/small><\/p>","protected":false},"excerpt":{"rendered":"<p>Hey, everyone. Q1 is over! Boy, what an exciting year 2022 has been, so far. Well, exciting isn\u2019t quite the right word. The &hellip;<\/p>\n","protected":false},"author":1,"featured_media":92546,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[52],"tags":[105],"class_list":["post-92545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-head-start","tag-strategy"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/04\/March-Fire-Update-350.jpg?fit=350%2C525&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p3k0YU-o4F","jetpack-related-posts":[{"id":92140,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/rooms-with-a-view-multiple-set-tv-households-provide-an-array-of-access-and-choice-for-content-hungry-viewers.html","url_meta":{"origin":92545,"position":0},"title":"Rooms with a view: Multiple-set TV households provide an array of access and choice for content-hungry viewers","author":"admin","date":"April 19, 2026","format":false,"excerpt":"In the 1985 film Back to the Future, there\u2019s a line in one of the scenes that takes place in 1955 where Marty McFly tells his grandmother that his family has two TVs. 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