{"id":92807,"date":"2026-04-27T09:47:29","date_gmt":"2026-04-27T14:47:29","guid":{"rendered":"https:\/\/www.bricktowntom.com\/blog\/?p=92807"},"modified":"2026-04-27T09:47:29","modified_gmt":"2026-04-27T14:47:29","slug":"april-2022-fire-update","status":"publish","type":"post","link":"https:\/\/www.bricktowntom.com\/blog\/04\/april-2022-fire-update.html","title":{"rendered":"April 2022 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\/05\/April-22-Update-350.jpg?resize=350%2C525&#038;ssl=1\" alt=\"April 2022\" class=\"wp-image-25845\" \/><\/figure>\n<\/div>\n<p>Hey, everyone. Did you have a good month? I\u2019m back in Portland and <a href=\"https:\/\/retireby40.org\/theres-no-place-like-home\/\">it\u2019s great to be home<\/a>. The weather was very uneven in April. We had a snow day in mid-April! It was the latest date snowfall ever recorded. The trees were full of flowers and held the snow much better than in the winter. As a result, branches fell down all over the city and caused blackouts. RB40Jr\u2019s school was in one of these zones and they had no power for three days. So he got to enjoy some extra days off. Anyway, I\u2019ve adjusted to the regular routine in the US. I\u2019m back to driving our son to school and cooking dinners. Life is back to normal until school is over. Then Mrs. RB40 will take a sabbatical and we\u2019ll go on a long summer vacation.<\/p>\n<p>On the personal finance side, April was not too great. Our net worth took a big hit along with the rest of the stock market. I\u2019m not too worried, though. The stock market will come back at some point. The bigger issue was that we spent more than we made. I purchased our round-trip tickets to Thailand for our summer vacation. We also paid a lot of taxes in April. Unfortunately, it\u2019s one of those rare months where our expenses were higher than our income. I had to borrow some money from our savings. You can see the details below.<\/p>\n<p>First, I\u2019ll share how I\u2019m doing on my New Year goals. Then, I\u2019ll show you 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\/04\/april-2022-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\/04\/april-2022-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\/04\/april-2022-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\/04\/april-2022-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\/04\/april-2022-fire-update.html\/#Net_Worth_-86_YTD\" >Net Worth (-8.6%&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\/04\/april-2022-fire-update.html\/#2022_Passive_Income_17166_YTD\" >2022 Passive Income ($17,166 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\/04\/april-2022-fire-update.html\/#April_2022_Cash_Flow\" >April 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\/04\/april-2022-fire-update.html\/#Gross_Income_13687\" >Gross Income: $13,687<\/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\/04\/april-2022-fire-update.html\/#Monthly_Spending_5282\" >Monthly Spending: $5,282<\/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\/04\/april-2022-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\/04\/april-2022-fire-update.html\/#2022_Savings_37811_YTD\" >2022 Savings ($37,811 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\/04\/april-2022-fire-update.html\/#April_2022_wrap_up\" >April 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\/05\/April-Goal-sheet.jpg?resize=667%2C352&#038;ssl=1\" alt=\"\" class=\"wp-image-25824\" \/><\/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 money off 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 119%. It came down a lot since last month due to a big bill this month \u2013 travel. I just got flight tickets for a big summer trip. 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 $2,200 in cryptocurrencies.<\/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 85 days since the beginning of 2022. We\u2019ll travel more this summer when Mrs. RB40 takes a sabbatical.&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.<\/li>\n<\/ul>\n<ul>\n<li><strong>1,000 subscribers on my YouTube channel.<\/strong>&nbsp;Currently, we have 781 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 ran out of steam. I need to make some new clips soon.<\/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 had a great time in Thailand, but I\u2019m very happy to be home. April was good, but I watched too much YouTube. The geopolical problems are troubling. I still had a good month, though. April was an 8.5.<\/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\/05\/April-happiness.jpg?resize=580%2C371&#038;ssl=1\" alt=\"\" class=\"wp-image-25827\" \/><\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Net_Worth_-86_YTD\"><\/span><strong>Net Worth (-8.6%&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 is turning out to be a stinker. The S&amp;P 500 index decreased by ~14% already. Our net worth followed the market down and dropped 8.6% so far this year. We have diversified with real estate and other holdings so our portfolio is a bit more stable than the stock market. Down is down, though.<\/p>\n<p>***Important*** Don\u2019t stop investing. You need to keep investing when the stock market is down. Eventually, the stock market will recover and you\u2019ll do very well as long as you keep investing.<\/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=\"650\" height=\"326\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/05\/April-Net-Worth.jpg?resize=650%2C326&#038;ssl=1\" alt=\"\" class=\"wp-image-25829\" \/><\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"2022_Passive_Income_17166_YTD\"><\/span><strong>2022 Passive Income ($17,166 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\/05\/April-Passive-Income.jpg?resize=567%2C247&#038;ssl=1\" alt=\"\" class=\"wp-image-25849\" \/><\/figure>\n<\/div>\n<p>April was a good month for passive income. Our FI ratio decreased a bit due to a big bill. I got the tickets for our summer travel. See the expense report below for the detail.<\/p>\n<p>*FI ratio = passive income\/expense<\/p>\n<h2><span class=\"ez-toc-section\" id=\"April_2022_Cash_Flow\"><\/span><strong>April 2022 Cash Flow<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Our cash flow was good last month. 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=\"650\" height=\"500\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/05\/April-Sankey.jpg?resize=650%2C500&#038;ssl=1\" alt=\"\" class=\"wp-image-25831\" \/><\/figure>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"Gross_Income_13687\"><\/span><strong>Gross Income: $13,687<\/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. No side hustle for me this year.<\/p>\n<ul>\n<li><strong>Mrs. RB40\u2019s job<\/strong>: $9,062. Mrs. RB40\u2019s income was normal. &nbsp;&nbsp;<\/li>\n<li><strong>Blog income:<\/strong>&nbsp;$1,830. My blog income was lower than usual. Times are tough in the blogosphere.<\/li>\n<li><strong>Real estate crowdfunding<\/strong>:&nbsp;$1,149. It was a nice 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;$735. 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;$905. 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_5282\"><\/span><strong>Monthly Spending: $5,282<\/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 April, we went over that budget due to our travel expense. I got 3 round-trip tickets to Thailand. I was there earlier this year, but I want to bring my son to see my mom one last time. Here are the details.<\/p>\n<ul>\n<li><strong>Housing<\/strong>: $1,257. 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>: $468. Usually, we spend about $500\/month on groceries. I\u2019m enjoying cooking for the family. It\u2019s nice to be home.<\/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=\"435\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/05\/paella.jpg?resize=650%2C435&#038;ssl=1\" alt=\"\" class=\"wp-image-25838\" \/><figcaption>Paella<\/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=\"461\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/05\/Broccoli-beef-1.jpg?resize=650%2C461&#038;ssl=1\" alt=\"\" class=\"wp-image-25835\" \/><figcaption>Stir-fried beef &amp; broccoli <\/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=\"546\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/05\/shrimp-earth-pot.jpg?resize=650%2C546&#038;ssl=1\" alt=\"\" class=\"wp-image-25839\" \/><figcaption>Claypot shrimps and noodles<\/figcaption><\/figure>\n<\/div>\n<ul>\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>: $176. This category includes gasoline, insurance, public transportation, and car maintenance.<\/li>\n<li><strong>Entertainment<\/strong>: $183. We ate out a few times. Yikes, this category is spiking. &nbsp;&nbsp;<\/li>\n<li><strong>Kid<\/strong>: $0.<\/li>\n<li><strong>Travel<\/strong>: $2,629.&nbsp;I got tickets to Thailand this summer. It was around $3,500. I also got a refund for our Maldives hotels. Unfortunately, they didn\u2019t have any availabilities in July or August. <img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/s.w.org\/images\/core\/emoji\/13.1.0\/72x72\/1f641.png?w=993&#038;ssl=1\" alt=\"\ud83d\ude41\" class=\"wp-smiley\" style=\"height: 1em;max-height: 1em\" \/><\/li>\n<\/ul>\n<ul>\n<li><strong>Health<\/strong>: $108. &nbsp;&nbsp;&nbsp;<\/li>\n<li><strong>Clothing<\/strong>: $187. Mrs. RB40 purchased some stuff.<\/li>\n<li><strong>Misc:&nbsp;<\/strong>$0. 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>: $5,955&nbsp;<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2022_Savings_37811_YTD\"><\/span><strong>2022 Savings ($37,811 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>: $12,300.<\/li>\n<li><strong>Mrs. RB40\u2019s 401k<\/strong>: $9,000.<\/li>\n<li><strong>Roth IRAs<\/strong>: $4,000.<\/li>\n<li><strong>529 College Savings<\/strong>: $0.<\/li>\n<li><strong>Extra savings<\/strong>: $12,511<\/li>\n<\/ul>\n<p><strong>YTD 2022 saving rate = 52%<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"April_2022_wrap_up\"><\/span><strong>April 2022 wrap up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>April was a pretty turbulent month. The weather was crazy, the stock market was volatile, inflation was high, and there was a lot of bad news on TV. However, don\u2019t be discouraged. You need to keep investing. When the market is down, you can buy more shares with the same amount of money. Eventually, the stock market will come back and you\u2019ll come out ahead. If you\u2019re near retirement and can\u2019t deal with the volatility, real estate is a great option. <a href=\"https:\/\/retireby40.org\">Check out CrowdStreet<\/a>. You can invest in apartments, hotels, and many other commercial projects. It\u2019s a great way to generate passive income and add some stability in your portfolio.<\/p>\n<p>That\u2019s it for this month. I\u2019m looking forward to nicer weather and summer vacation. It\u2019ll be a busy summer. Everyone has been cooped up too long and we are all itching to travel. Reserve your flights and hotel rooms now if you haven\u2019t done it yet.<\/p>\n<p><strong>How was April for you?&nbsp;<\/strong>Did you have a good month?<\/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\/april-2022-fire-update\/\">April 2022 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. Did you have a good month? I\u2019m back in Portland and it\u2019s great to be home. The weather was very uneven &hellip;<\/p>\n","protected":false},"author":1,"featured_media":92808,"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-92807","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\/05\/April-22-Update-350.jpg?fit=350%2C525&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p3k0YU-o8T","jetpack-related-posts":[{"id":93775,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/made-in-america-season-4-highlighting-the-strength-of-baltimore-entrepreneurs.html","url_meta":{"origin":92807,"position":0},"title":"Made in America Season 4 \u2014 Highlighting the strength of Baltimore entrepreneurs","author":"admin","date":"April 14, 2026","format":false,"excerpt":"Made in America, GoDaddy\u2019s documentary series showcasing the resilience and determination of extraordinary entrepreneurs is back with season 4, highlighting some exciting entrepreneurs in America\u2019s Charm City \u2014 the city of Baltimore. \ufeff Steeped in history, Baltimore is a thriving community that honors the past while keeping a keen eye\u2026","rel":"","context":"In &quot;E-business &amp; E-marketing&quot;","block_context":{"text":"E-business &amp; E-marketing","link":"https:\/\/www.bricktowntom.com\/blog\/category\/ebusiness-emarketing"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":93150,"url":"https:\/\/www.bricktowntom.com\/blog\/05\/how-to-overcome-supply-chain-challenges-in-2022.html","url_meta":{"origin":92807,"position":1},"title":"How to overcome supply chain challenges in 2022","author":"admin","date":"May 2, 2026","format":false,"excerpt":"COVID certainly threw the world into an uproar, causing major disruptions in everything we did \u2014 the way we worked, played, ate, and shopped. Two years later, and we\u2019re still reeling from the effects. This is especially true if you\u2019re a seller still figuring out how to overcome supply chain\u2026","rel":"","context":"In &quot;E-business &amp; E-marketing&quot;","block_context":{"text":"E-business &amp; E-marketing","link":"https:\/\/www.bricktowntom.com\/blog\/category\/ebusiness-emarketing"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":93255,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/brands-are-tracking-hashtags-to-find-engaged-audiences.html","url_meta":{"origin":92807,"position":2},"title":"Brands are tracking hashtags to find engaged audiences","author":"admin","date":"April 19, 2026","format":false,"excerpt":"Social media platforms have experienced impressive user and engagement growth the past few years, and many brands are spending big on social, turning to influencers to make more personal (and profitable) connections with consumers. In fact, global marketers say they plan to increase their spend on social media by 53%\u2026","rel":"","context":"In &quot;A Few Things&quot;","block_context":{"text":"A Few Things","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-few-things"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":93029,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/get-ready-for-summer-2022.html","url_meta":{"origin":92807,"position":3},"title":"Get Ready for Summer 2022!","author":"admin","date":"April 27, 2026","format":false,"excerpt":"Are you ready for the summer! It\u2019s Memorial Day Weekend, the unofficial start of summer. Oh man, I am so ready for warmer weather and travel. As usual, spring was cold and wet in Portland. It finally started to warm up this week, but our heater is still kicking in\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/05\/Summer-2022-350.jpg?fit=350%2C525&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":92793,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/5-things-i-dont-skimp-on.html","url_meta":{"origin":92807,"position":4},"title":"5 things I don\u2019t skimp on","author":"admin","date":"April 21, 2026","format":false,"excerpt":"I originally wrote this post in 2014. We were doing well financially then, but we are much more comfortable now. Did I change over the last 8 years? Am I still frugal and what do I splurge on these days? Today, I\u2019ll give you an update. \u00a0Frugal lifestyle All right,\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/04\/rice-field-1024x576-1.jpg?fit=1024%2C576&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/04\/rice-field-1024x576-1.jpg?fit=1024%2C576&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/04\/rice-field-1024x576-1.jpg?fit=1024%2C576&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/04\/rice-field-1024x576-1.jpg?fit=1024%2C576&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":93628,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/what-was-your-breaking-point.html","url_meta":{"origin":92807,"position":5},"title":"What Was Your Breaking Point?","author":"admin","date":"April 26, 2026","format":false,"excerpt":"The following article is from Melanie, our staff writer.\u00a0This post was written in 2014! The hustle culture was in full bloom back then. I\u2019m bringing this back to contrast the Quiet Quitting post I published on Monday. The job market is really great now, but a tough time is looming.\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/08\/065d9333-smush-frustrated.jpg?fit=250%2C337&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/92807","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/comments?post=92807"}],"version-history":[{"count":2,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/92807\/revisions"}],"predecessor-version":[{"id":103024,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/92807\/revisions\/103024"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/media\/92808"}],"wp:attachment":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/media?parent=92807"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/categories?post=92807"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/tags?post=92807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}