Monthly Report: November 2015

Merry Christmas everyone!  The Christmas season is a time of cheer and giving.  My son slowly ripped open his present that we bought him, and he loved it!  He was completely mesmerized by the toy.  It's incredible the impact that one child's joy can have on a parent.  As tiring as parenting can be, it's totally worth it and I wouldn't trade it for the world.

I didn't get my monthly statement for Loyal3 until very recently, which is why there was a delay in me posting my monthly report for November.  Without further ado, below is the monthly report as of November 30, 2015:

Bought On Loyal3: WMT

I purchased the following stock in my Loyal3 account on 12/4/2015:

Bought: ADM, KMI

I purchased the following stocks on 12/3/2015 for my Roth IRA:

Monthly Report: October 2015

Happy Thanksgiving!  This is a day to celebrate and get together with loved ones and remember all the things we should be thankful for.  We all need to take a step back and count our blessings, especially considering the difficult circumstances others are facing in this world today.  I am so thankful to have a loving family, a wonderful wife, an adorable son, good health, a job, a roof over my head, food on the table, and clothes on my back.  I am very content with life.  And hopefully, I can aim to retire by 2041 via multiple streams of income.

I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of October 31, 2015:

Bought On Loyal3: WMT

I purchased the following stock in my Loyal3 account on 11/20/2015:

Bought On Loyal3: DNKN

I purchased the following stock in my Loyal3 account on 10/6/2015:

Monthly Report: September 2015

I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of September 30, 2015:

The Point At Which I Can Retire

For most people, whether they are pursuing early financial independence or retiring at a ripe old age, deciding when they can retire is a big and serious decision.  You have to make sure that you have enough income to cover your expenses or that you have enough assets to draw down from until you pass away.  Those who decide to follow the 4% draw down rule need to make sure they have a well diversified portfolio of investments so that they do not outlive their nest egg.  For those who decide to retire from passive income, they need to make sure that their passive income will cover all their expenses.

My approach to retirement is a combination of both:

Blog Update

After some contemplation, I have made the following changes to my blog:

Bought On Loyal3: KO, MAT, PEP, UL, WMT

I purchased the following stocks in my Loyal3 account on 9/4/2015:

Monthly Report: August 2015

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends and distributions I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of August 31, 2015:

Bought On Loyal3: WMT

I purchased the following stock in my Loyal3 account on 8/21/2015:

Bought: CVX, EMR, XOM

I purchased the following stocks on 8/20/2015 for my Roth IRA:

Big Decisions Finally Made

The good thing about this blog is that it chronicles my life and my thoughts along the process to retire by age 56.  Hopefully, one day when I look back, I will see the decisions I made, the actions I took, and the fruits of my decisions.  And hopefully this blog will be a source of encouragement for others as well.

After much contemplation regarding how to deploy my cash and how to invest in my Roth IRA, I have come to the following decisions:

Bought On Loyal3: WMT

I purchased the following stock in my Loyal3 account on 7/27/2015:

Monthly Report: July 2015

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable distributions I receive in my Roth IRA account, the market value of my taxable brokerage accounts as of the end of the month, the market value of my Roth IRA as of the end of the month, the market value of my 401(k) as of the end of the month, and my savings rate as of the end of the month.

Below is the monthly report as of July 31, 2015:

Bought On Loyal3: WMT

I purchased the following stock in my Loyal3 account on 6/25/2015:

Monthly Report: June 2015

My apologies for the delay in posting the monthly report for June... I have been really busy with work and family.

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable distributions I receive in my Roth IRA account, the market value of my taxable brokerage accounts as of the end of the month, the market value of my Roth IRA as of the end of the month, the market value of my 401(k) as of the end of the month, and my savings rate as of the end of the month.

Below is the monthly report as of June 30, 2015:

Bought On Loyal3: DPS, K, MAT, PEP, WMT

I purchased the following stocks in my Loyal3 account on 5/20/2015:

Monthly Report: May 2015

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable distributions I receive in my Roth IRA account, the market value of my taxable brokerage accounts as of the end of the month, the market value of my Roth IRA as of the end of the month, the market value of my 401(k) as of the end of the month, and my savings rate as of the end of the month.

Below is the monthly report as of May 31, 2015:

Monthly Report: April 2015

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable distributions I receive in my Roth IRA account, the market value of my taxable brokerage accounts as of the end of the month, the market value of my Roth IRA as of the end of the month, the market value of my 401(k) as of the end of the month, and my savings rate as of the end of the month.

Below is the monthly report as of April 30, 2015:

Bought On Loyal3: K, KO, MCD, WMT

I purchased the following stocks in my Loyal3 account on 4/20/2015:

Monthly Report: March 2015

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable distributions I receive in my Roth IRA account, the market value of my taxable brokerage accounts as of the end of the month, the market value of my Roth IRA as of the end of the month, the market value of my 401(k) as of the end of the month, and my savings rate as of the end of the month.

Below is the monthly report as of March 31, 2015:

Bought On Loyal3: PEP

I purchased the following stock in my Loyal3 account on 3/25/2015:

Bought: SO

I purchased the following stock on 3/11/2015:

Monthly Report: February 2015

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable distributions I receive in my Roth IRA account, the market value of my taxable brokerage accounts as of the end of the month, the market value of my Roth IRA as of the end of the month, the market value of my 401(k) as of the end of the month, and my savings rate as of the end of the month.

Below is the monthly report as of February 28, 2015:

Bought On Loyal3: K, MAT

I purchased the following stocks in my Loyal3 account on 2/26/2015:

Bought: JNJ

I purchased the following stock on 2/9/2015:

Saving For (Possibly) A Future House - Cash Or DG Stocks?

Eventually, I may have to buy a bigger house to accommodate a possibly larger family.  Depending on how many children my wife and I have, we may need to move.  If that's the case, I need to start saving up for a down payment.  I could sell my current primary residence to come up with part of the funds for the down payment on the future house, but ideally, I want to be able to purchase the larger home and not have to sell my current place.  That way, I could have two rental properties.

The problem is I don't know if we will need to move in the future or not.  If I knew for certain that we didn't need to move, I would put more of my cash to work right now by investing it.

I've been contemplating different options:

Bought On Loyal3: DPS, DNKN, HAS, K, KRFT, MAT, PEP, UL, YUM

I purchased the following stocks in my Loyal3 account on 1/26/2015:

Monthly Report: January 2015

I plan to post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable distributions I receive in my Roth IRA account, the market value of my taxable brokerage accounts as of the end of the month, the market value of my Roth IRA as of the end of the month, and the market value of my 401(k) as of the end of the month.

Below is the monthly report as of January 31, 2015:

Bought: PG, KMB

I purchased the following stocks on 1/30/2015:

My Goal Is To Retire By The Age Of 56

The goal of this blog is to chronicle my journey of reaching financial independence at the age of 56.  I am currently 30 years old, so that gives me exactly 26 years to achieve my goal.

Here's How I Plan To Retire By The Age Of 56: