Things are going! Every so often I think I should update here so thanks for reminding me again. Lots has happened in the past 5 months!
The biggest change would be moving to MN. We've been in our new house for 4 months now and it's been a mixed bag to be honest. The house has fantastic bones, being a 1900 Edwardian. It was a complete wreck about 10 years ago and has changed hands several times and none of the owners knew how to do DIY work. So the house is needing a lot of work yet!
We've been doing mostly cosmetic work - painting mostly! We are also putting down carpet where we want it and new trim. So far we've only finished bmonkey's room, but we've moved on to our library/sitting room now.
I would show photos of the house but a google image search would quickly reveal where we live - yes it's that unique. I might show some anyway if anyone wants to see it.
The house came 'turn-key' which means the last owners sold the house packed with crap. We sold everything and made just over $4,000 in cash.
We also HATE living in town. Our neighbors are terrible. Looking around from our lot we counted over 20 dogs. The husky across the road gets loose once a week and runs all over town.
However, we LOVE living 2 blocks from the library. Our reading activity has increases substantially.
We sold our Illinois home in July for a very fair price.
Both of us have switched to commuting around by walking/biking and haven't driven the truck much. Walmart is 1.7 miles away, the library is 2 blocks away, our friends are 0.5 mile away and her parents are 1 mile away. So why drive?
Gardening here is bordering on being a massive disappointment. The soil is super sandy so it drys out very fast. It has almost no nutrition. Our yard is also completely contaminated by huge black walnuts.
We also didn't have time to do anything substantial this year.
I switched jobs back to my old employer in mid-June right as soon as we moved! It's been pretty great as the pay is substantial, the work is easy and it's 100% WFH, no travel. The work itself isn't much different from when we were doing technical work prior to my leaving. So I basically just doubled my pay over 2 years in the exact same position doing the exact same work....simply by leaving and coming back.
Financially we have never been closer to FI -
SWR - 3.5% - we would have been at 3.37% currently, however our health insurance decided they don't want to do gym reimbursements anymore...
Years - 28.5
TTM Expenses - 12,700
FAI - 12,200
FI Funds - 363K
I've been plowing money into 4 week bills for the past month or two and so FAI has not gone up very much since yields are falling.
We are going to hit 3% in January/February.
As of last month we are running a surplus of dividend income and it's only going up from here!
Most importantly, bmonkey is thriving! Mayo clinic told us her heart is perfect back in June and to to come back in a year. She has gained weight and height percentile over the past few months. She turns 9 months old on Wednesday and just walked across the room the other day.
She just blathers MAMAMAMAMA all the time and just started doing DADADADADA last week too. But no teeth yet!