July – July will be over soon and with it comes the reminder that we are already a month through summer. What a hot summer it has been. The brutal Texas sun shining down on me, giving me sunburn after only 2 hours of exposure. As intense as it is, I also love things this time of year. I go biking, walking, pool, take beautiful pictures of nature. Yesterday I grabbed a beer with a friend, only my 2nd time at a sit down place since March.

I did have the unfortunate mishap of riding over a strip of metal near White Rock Lake. I started hearing a loud hissing noise coming from my front tire. Within a minute or so it was completely flat. Luckily the nearest bike shop was only a 2 mile walk from where I was at. Wasn’t expecting an $87 repair bill, but they fixed it on the spot and gave me a more durable tire than what I had. I’m tempted to order an extra one online and just keep as a backup in case this happens again.

So let’s talk finances for a bit…

401k: $81,450.93
Roth IRA: $4954.67
HSA: $661.87
M1: $485.98
July 2020 Total Retirement: $87,553.45
(up $5,889 or 7.2% from last month, up $29,247.65 or 50%! from July 2019, up $75,760 or 736% from just 5 years ago.)

iPhone 11 Pro : $786.40
Credit Card: $420.00
Total Debt: $1,206.40
(my debt a year ago was $11,896.36!)

I will likely be upgrading to the iPhone 12 Pro when it comes out as part of the Apple upgrade program. Credit card will be paid off Friday when I get paid, don’t want to pull from my emergency fund to cover. Mostly food, had cable / cell phone bills hit and other miscellaneous items. So still basically debt free. 😀

I did make a small shift in my 401k investments. Sold my us treasury bonds and am now 100% in equities. Prior to that I was an a 95/5 split The ROI on Investing isn’t sexy, sometimes it feels like you’re going nowhere. Then you look back a year later and think damn I’m not doing so bad after all.

Stay happy, healthy, and safe out there! Remember comparison is the thief of joy, just be the best version of you possible.