Quick Snapshot

	12/1/2022	11/8/2022	Difference	Change
401K	163,717	152,338	11,379	7.5%
Roth IRA	24,336	22,832	1,504	6.6%
M1 Account	200	6,594	(6,394)	-97%
EF + House	8,636	8,159	477	5.8%
HSA	3,088	2,960	128	4.3%
Total	199,977	192,883	7,094	3.7%
Credit Cards	0	25	(25)	-100%
Auto Loan	18,834	26,068	(7,234)	-27.8%
Net Total	181,143	166,790	14,353	8.6%

I made a strategic decision to pay off a big chunk of what I owed on the car through my after tax stock market account. The loan is at 3.9% yes but the early time periods is when I pay the most interest. Between my trade and payments I’ve effectively paid off about 54% of the car’s value. So far I have no regrets and the only annoying parts of ownership have been a door ding that I got fixed and a little nick on the rear bumper that some touch up paint will fix. Not including interest I’m down to about 38 months on what is a 60 month loan. Looking to double or triple up on payments depending on how much free cash I have. Triple is about 13 months.

My insurance is scheduled to be paid in the next 2 weeks, man have the prices gone up. $892.54 for 6 months with discounts including paying everything at once. I should start shopping around. The company has to have good reviews in Texas and not have a horribly slow process when it comes to making claims.

So my weight seemingly out of nowhere just shot up into the stratosphere. 268lb and I’m only about 5’9, on 11/6 it was . So I started making some changes including doing more meal prep work, and exercising more frequently. So far down 3 in 2 days but I have a long way to go. I did have to turn down a friend’s travel birthday party plans though in New Orleans. Heavy drinking, really calorie dense food and likely not being able to get adequate sleep are all things that aren’t good for me right now.

I did go on a trip to Orlando in mid November, just the week before Thanksgiving. It was a Wednesday-Sunday trip. I used my credit cards heavily for the trip. Uber rides from Orlando Florida to Celebration Florida are extremely expensive, I paid $90 including tip for a one way ride shortly after my flight landed after midnight early on Thursday. The Disney tickets themselves were $109 a day I think plus taxes and some fees. The Genie / Lightning Passes were more but totally worth it. The last day we spent 3 hours waiting on line for a ride that lasted about 5 minutes. Plus it was raining hahah. I went to Hollywood Studios, Epcot, then Animal Kingdom on the final day. The hotel room I stayed in was about $219 a night including the resort fee. Some friends stayed at a more stuffy luxurious place a 30 minute walk away and the rooms were significantly more expensive. I could’ve shared the room with them but valued having my own bed and being able to stay up late or go to bed early without inconveniencing anyone.

I didn’t buy a new TV *yet*, but did splurge a bit on Black Friday items. Some shoes, a jacket, new dishes, and silverware, additional ornaments for the tree. All the payments have been made on my credit card. My rent is paid for the month of December, and January. Last but certainly not least I’m trying to get better at letting go of people who stopped making an effort with me. It sounds cold but if they barely make an effort in 4 years to even acknowledge me, that’s a sign maybe my efforts would be better spent elsewhere. 😀