401K	11/8/2022	10/5/2022
Roth IRA	152,338	147,597
M1 Account	22,832	21,115
Cash	8,159	6,120
HSA	2,960	1,952
Total	192,883	3,019
Credit Cards	25	179,803
Auto Loan	26,068	0
Net Total	166,790	177,574

Hear ye, hear ye. I am no longer debt free and perfectly fine with that. Life goes on and not everything should revolve around moneyYesterday my great aunt Terry passed away at the age of 91. She and I weren’t particularly close but when I did visit with my parents in Chicago she was always friendly and welcoming. I am reminded constantly of how precious life is.

October 26 I bought a new car to replace the Maxima. It definitely was a want and not a need. However used car prices have been rapidly dropping and I was concerned interest rates would be going up. The car needed a couple of items needed I either paid for up front or got shortly after purchase. $128 to get a small door ding repaired on the driver’s side rear door, $989 for the tint and ceramic coating. Realized that I paid $499 to a local shop to have the paint corrected and a ceramic coating applied. Oh well. Then I got some all weather mats. I’m happy with the car, after 6 and a half years it was time..

The new Integra handles like a dream, has lane keep and traffic jam assist, offers great night time visibility, comfortable seats, a sunroof, and great fuel economy. $15k for my old car with 74k miles and a variety of small issues. Don’t think I will ever buy a Nissan again, 15 years was enough for me and the cars are built cheaply. Almost 15 years of CVTs and they still have issues. Honda on the other hand has a much better track record. The total amount financed was $26,518.57 at a 3.9% interest rate for 60 months and the monthly payment is $487.18. Still figuring out my paydown strategy, on one hand 3.9% is still extremely low in this climate. On the other hand that’s still a lot more debt than I want to owe to anyone. Thinking of paying double payments (one regular, one principal) or something to that effect until it’s paid off.

Life can be humbling sometimes, one of my friends has been looking for a job the past 2 months and is thinking of applying to a lower paying job just to have something. Then I’m reading about massive layoffs both at Meta and Twitter. Many of those individuals earned a similar or higher salary than I have. Puts things into perspective.

Extremely thankful I had a bit of positive work-related news last month. It’s nice for all my hard work to get recognized. I also now have a good cash cushion in my accounts. Cash is king but not so much in a rapidly inflationary environment. Still the market has gone to hell and with high interest rates and only a small correction in pricing it doesn’t look like home ownership is happening anytime soon. Even if I didn’t buy the car my net worth would be only $6k above where it was last year. Considering all my contributions, maxing out the Roth IRA for 2022 and much improved cash position that’s bonkers.

Went to a lovely election night party with friends. My candidate of choice didn’t win but I’m still here and I have a lot going for myself. Going to the gym and exercising as much as my body will allow. Disney trip next week, much needed. Don’t spend too much on Black Friday / Cyber Monday. 😉 Peace.