{"id":93271,"date":"2026-04-20T05:57:27","date_gmt":"2026-04-20T10:57:27","guid":{"rendered":"https:\/\/www.bricktowntom.com\/blog\/?p=93271"},"modified":"2026-04-20T05:57:27","modified_gmt":"2026-04-20T10:57:27","slug":"june-2022-fire-update","status":"publish","type":"post","link":"https:\/\/www.bricktowntom.com\/blog\/04\/june-2022-fire-update.html","title":{"rendered":"June 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\/07\/June-22-FIRE-Update-350.jpg?resize=350%2C525&#038;ssl=1\" alt=\"\" class=\"wp-image-26542\" \/><\/figure>\n<\/div>\n<p>Happy Independence Day! Did you have a good month? June was a fun month for us. RB40Jr finished school and we went on a road trip to see friends and families. This road trip was put off twice due to Covid so we were all looking forward to it. We had a great time, but it was an expensive trip. The price of gasoline peaked and hotels were expensive as well. But it was worth it. We\u2019re back home for a few days, then we\u2019ll go visit my parents in Thailand. Mrs. RB40 took a sabbatical so we can travel the whole summer. It\u2019s been great so far.<\/p>\n<p>On the personal finance side, June was rough. Our income was much lower than usual because Mrs. RB40 didn\u2019t work. I also didn\u2019t work much. Our monthly expense was also high due to travel. We had to draw down some savings to fund this summer vacation. That\u2019s okay, though. We saved a lot earlier this year. I\u2019m sure we\u2019ll get back on track in the fall. We\u2019re comfortable enough to splurge a bit.<\/p>\n<p>Oh, the stock market dropped a significant amount in June. Our net worth also dropped, but I wasn\u2019t worried. I was on vacation and didn\u2019t pay attention to the market at all. I\u2019ll keep adding to our investment and ride out the bear market.<\/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\/june-2022-fire-update.html\/#2022_Goals\" >2022 Goals<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.bricktowntom.com\/blog\/04\/june-2022-fire-update.html\/#Financial_Goals\" >Financial Goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.bricktowntom.com\/blog\/04\/june-2022-fire-update.html\/#Health_Goals\" >Health Goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.bricktowntom.com\/blog\/04\/june-2022-fire-update.html\/#Fun_Goals\" >Fun Goals<\/a><\/li><\/ul><\/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\/june-2022-fire-update.html\/#Net_Worth_-15_YTD\" >Net Worth (-15%&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\/june-2022-fire-update.html\/#2022_Passive_Income_45573_YTD\" >2022 Passive Income ($45,573 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\/june-2022-fire-update.html\/#June_2022_Cash_Flow\" >June 2022 Cash Flow<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.bricktowntom.com\/blog\/04\/june-2022-fire-update.html\/#Gross_Income_4372\" >Gross Income: $4,372<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.bricktowntom.com\/blog\/04\/june-2022-fire-update.html\/#Monthly_Spending_6420\" >Monthly Spending: $6,420<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.bricktowntom.com\/blog\/04\/june-2022-fire-update.html\/#2022_Savings_44020_YTD\" >2022 Savings ($44,020 YTD)<\/a><\/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\/june-2022-fire-update.html\/#June_2022_wrap_up\" >June 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\/07\/June-NY.jpg?resize=667%2C352&#038;ssl=1\" alt=\"\" class=\"wp-image-26528\" \/><\/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<h3><span class=\"ez-toc-section\" id=\"Financial_Goals\"><\/span><strong>Financial Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Real Estate Crowdfunding $200,000.<\/strong>&nbsp;I\u2019m not doing well on this goal. In May, one project was completed and we got our investment + profit back. That\u2019s great, but now I need to reinvest the money. 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 very 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 142%! Our big payout from the real estate crowdfunding project pushed the FI ratio to a new high. &nbsp;<\/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 is going through a shakeout in 2022. My crypto account lost a large percentage this year, but it might be a good time to buy\u2026<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Health_Goals\"><\/span><strong>Health Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\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. Unfortunately, I lost all motivation for now. Maybe I can try again next year.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Fun_Goals\"><\/span><strong>Fun Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Travel 180 days<\/strong>&nbsp;\u2013 I was away from home for 97 days since the beginning of 2022. We are traveling more this summer while Mrs. RB40 is on 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 1,183 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 earlier this year, but I ran out of steam. Woohoo! I posted a clip from our road trip.<\/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. Doesn\u2019t look good here\u2026<\/li>\n<li><strong>Happiness level &gt; 8.<\/strong>&nbsp;Everything is awesome on vacation. I give it a 9.5.<\/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\/07\/June-happiness.jpg?resize=580%2C371&#038;ssl=1\" alt=\"\" class=\"wp-image-26531\" \/><\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Net_Worth_-15_YTD\"><\/span><strong>Net Worth (-15%&nbsp;YTD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>I\u2019ve been\u00a0<a href=\"https:\/\/retireby40.org\/personal-capital-track-finances-free\/\">tracking our net worth<\/a>\u00a0since 2006. It is very motivating to see the 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 an exception to the rule. The stock market dropped over 20% and we are in a bear market. Our net worth followed the market down and dropped 15% so far. We diversified with real estate and other holdings so our portfolio is a bit more stable than the stock market. It still hurt, though. But!<\/p>\n<p><strong>***Important***<\/strong> Don\u2019t stop investing. You need to keep investing when the stock market is down. Eventually, the stock market will recover and you will do very well as long as you keep investing through the downturn.<\/p>\n<p>Here is a chart of our net worth from Personal Capital.\u00a0<a href=\"https:\/\/retireby40.org\/pcap\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sign up for a free account at Personal Capital<\/a>\u00a0to 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=\"862\" height=\"415\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/07\/June-net-worth.jpg?resize=862%2C415&#038;ssl=1\" alt=\"\" class=\"wp-image-26535\" \/><\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"2022_Passive_Income_45573_YTD\"><\/span><strong>2022 Passive Income ($45,573 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\/07\/June-Passive-Income.jpg?resize=567%2C247&#038;ssl=1\" alt=\"\" class=\"wp-image-26537\" \/><\/figure>\n<\/div>\n<p>May was a great month for passive income. Our passive income from real estate crowdfunding gave our FI ratio a huge boost. I think we\u2019re good for 2022.<\/p>\n<p>*FI ratio = passive income\/expense<\/p>\n<h2><span class=\"ez-toc-section\" id=\"June_2022_Cash_Flow\"><\/span><strong>June 2022 Cash Flow<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Our cash flow was great last month. Our income was much higher than usual due to Mrs. RB40\u2019s income and real estate crowdfunding income. That\u2019s fortunate because our expenses hit an all-time high. We spent over $11,000 in May. That\u2019s way higher than normal. &nbsp;&nbsp;<\/p>\n<p>Here is the Sankey diagram of our cash flow. You can get a quick overview from the diagram and see the details below.<\/p>\n<figure class=\"wp-block-image 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\/07\/June-Sankey.jpg?resize=650%2C500&#038;ssl=1\" alt=\"\" class=\"wp-image-26538\" \/><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Gross_Income_4372\"><\/span><strong>Gross Income: $4,372<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Our gross income is way lower than usual because Mrs. RB40 is taking a sabbatical. Also, we are traveling and I\u2019m not working much. Like many families, we are drawing from our savings last month to travel. We saved quite a bit earlier this year so I\u2019m okay with it. After this summer, we\u2019ll be home for a long time.<\/p>\n<ul>\n<li><strong>Mrs. RB40\u2019s job<\/strong>: Mrs. RB40 is on a sabbatical. &nbsp;&nbsp;&nbsp;<\/li>\n<li><strong>Blog income:<\/strong>&nbsp;$2,046. My blog income was okay last month.<\/li>\n<li><strong>Real estate crowdfunding<\/strong>:&nbsp;$0. No payment from real estate crowdfunding last month. 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;$725. We had a nice month at the rental. I think we\u2019ll have a good year with rental income. Things are much smoother than the previous year.<\/li>\n<li><strong>Dividend Income<\/strong>:&nbsp;$1,966. 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>$9<\/li>\n<li><strong>Side hustle &amp; Misc:&nbsp;<\/strong>$0<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Monthly_Spending_6420\"><\/span><strong>Monthly Spending: $6,420<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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. In June, we went over that budget due to travel. We went on a road trip to visit friends and families in California. It was awesome and we had a great time. I\u2019ll share our adventure later. I also paid for some hotels and flights for our upcoming trip to Thailand.<\/p>\n<p>Here are the details.<\/p>\n<ul>\n<li><strong>Housing<\/strong>: $1,232. This category includes mortgage, home insurance, HOA fees, property taxes, utilities, home improvement, repair, and furnishing. The price of utilities increased a little this year.<\/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 their cost of living is pretty low. &nbsp;<\/li>\n<li><strong>Groceries<\/strong>: $210. Usually, we spend about $500\/month on groceries. This month, we didn\u2019t buy much groceries.<\/li>\n<\/ul>\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>: $87. This category includes gasoline, insurance, public transportation, and car maintenance. I didn\u2019t count the road trip expense here. &nbsp;<\/li>\n<li><strong>Entertainment<\/strong>: $19. I got some Vietnamese sandwiches for lunch.<\/li>\n<\/ul>\n<ul>\n<li><strong>Kid<\/strong>: $43. RB40Jr\u2019s school had a small fundraiser.<\/li>\n<li><strong>Travel<\/strong>: $4,384.\u00a0Wowza, travel is expensive. We had an awesome time so it was worth it. How many more family trips will we have? Our son is growing up quickly. \u00a0\u00a0<\/li>\n<li><strong>Health<\/strong>: $122. \u00a0\u00a0\u00a0\u00a0<\/li>\n<li><strong>Clothing<\/strong>: $0<\/li>\n<li><strong>Misc:\u00a0<\/strong>$50. Mrs. RB40 got a haircut.<\/li>\n<\/ul>\n<p><strong>Others<\/strong><\/p>\n<p>I don\u2019t count these as personal spending.<\/p>\n<ul>\n<li><strong>Taxes and deductions<\/strong>: $450&nbsp;<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2022_Savings_44020_YTD\"><\/span><strong>2022 Savings ($44,020 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. That\u2019s probably how a lot of people are feeling. It seems like everyone is spending like mad. That\u2019s understandable after 2 years of Covid, right?<\/p>\n<ul>\n<li><strong>Joe\u2019s 401k<\/strong>: $14,300.<\/li>\n<li><strong>Mrs. RB40\u2019s 401k<\/strong>: $8,150.<\/li>\n<li><strong>Roth IRAs<\/strong>: $5,000.<\/li>\n<li><strong>529 College Savings<\/strong>: $3,000.<\/li>\n<li><strong>Extra savings<\/strong>: $13,570<\/li>\n<\/ul>\n<p><strong>YTD 2022 saving rate = 48%<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"June_2022_wrap_up\"><\/span><strong>June 2022 wrap up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>June was different\u2026 Our income was low, our expense was high, and our net worth dropped a significant amount. However, I\u2019m still pretty happy. We had a great road trip and didn\u2019t stress about our finance at all. We know we are in a comfortable position. Even if the market drops more, we\u2019ll stay invested. I\u2019ve been through several bear markets and I know it\u2019ll recover.<\/p>\n<p>Anyway, the stock market probably will continue to be volatile for the rest of 2022. 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 be on the winning side. If you\u2019re near retirement and can\u2019t deal with the volatility, real estate is a great option.\u00a0<a href=\"https:\/\/retireby40.org\" target=\"_blank\" rel=\"noreferrer noopener\">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. We\u2019ll be traveling for the rest of summer and I\u2019ll post just once per week. Have a great summer!<\/p>\n<p><strong>How was June 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\/june-2022-fire-update\/\">June 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>Happy Independence Day! Did you have a good month? June was a fun month for us. RB40Jr finished school and we went on &hellip;<\/p>\n","protected":false},"author":1,"featured_media":93272,"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-93271","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\/07\/June-22-FIRE-Update-350.jpg?fit=350%2C525&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p3k0YU-ogn","jetpack-related-posts":[{"id":93363,"url":"https:\/\/www.bricktowntom.com\/blog\/05\/2022-california-road-trip.html","url_meta":{"origin":93271,"position":0},"title":"2022 California Road Trip","author":"admin","date":"May 6, 2026","format":false,"excerpt":"Whew, we made it back to Portland! That was a long road trip to California. We decided to drive from Portland instead of flying because the price of flight tickets for the three of us was so high. Gasoline was expensive too, but it was still a lot cheaper than\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\/07\/2022-California-Road-Trip-350.jpg?fit=350%2C525&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":93063,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/may-2022-fire-update.html","url_meta":{"origin":93271,"position":1},"title":"May 2022 FIRE Update","author":"admin","date":"April 25, 2026","format":false,"excerpt":"Hey, everyone. Did you have a good month? May was uneventful for us. Life just went on as usual. Now, we are just waiting for RB40Jr to finish school. Once he\u2019s done, we\u2019ll go on a long summer vacation. On the personal finance side, May was an anomaly. We spent\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\/06\/May-22-FIRE-Update-350.jpg?fit=350%2C525&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":93534,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/july-2022-fire-update.html","url_meta":{"origin":93271,"position":2},"title":"July 2022 FIRE Update","author":"admin","date":"April 6, 2026","format":false,"excerpt":"Hey everyone! We are back in Portland after 8 weeks of traveling. Whew, I am worn out. I think we are done with backpacking. Packing up and moving every few days isn\u2019t as fun as it used to be. We had fun, but this trip just took a lot out\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\/July-update-350.jpg?fit=350%2C525&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":92807,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/april-2022-fire-update.html","url_meta":{"origin":93271,"position":3},"title":"April 2022 FIRE Update","author":"admin","date":"April 27, 2026","format":false,"excerpt":"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 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\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\/April-22-Update-350.jpg?fit=350%2C525&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":93644,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/august-fire-update.html","url_meta":{"origin":93271,"position":4},"title":"August FIRE Update","author":"admin","date":"April 20, 2026","format":false,"excerpt":"Hey everyone! It\u2019s September and the kids are back in school. Woohoo! The first week of school was okay for RB40Jr. He used to get in trouble at beginning of every school year, but he is staying under the radar this year. We\u2019re happy he matured a bit. The only\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\/09\/August-2022-350.jpg?fit=350%2C525&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":92353,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/what-happens-when-your-wife-earns-more-than-you.html","url_meta":{"origin":93271,"position":5},"title":"What Happens When Your Wife Earns More Than You?","author":"admin","date":"April 15, 2026","format":false,"excerpt":"Did you know that 4 out of 10 wives earn more than their husbands? I had no idea. I thought our family was just a small minority. However, female breadwinners are\u00a0a growing trend and all of us will have to adjust to the new reality*. Changes can be\u00a0difficult especially when\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\/03\/wife-earns-more-350.jpg?fit=350%2C525&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\/93271","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=93271"}],"version-history":[{"count":2,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/93271\/revisions"}],"predecessor-version":[{"id":103029,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/93271\/revisions\/103029"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/media\/93272"}],"wp:attachment":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/media?parent=93271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/categories?post=93271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/tags?post=93271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}