Finally an update showing some real progress. During November I stuck to my goals pretty well. I decided to remove my automobile from my net worth calculation because it isn’t a very liquid asset and I need a car to drive. I might take a different approach if my car was worth $30k and I could conceivably sell it and move down the a lesser model, but I am not going to find anything for less than $2k that is as reliable as my little Escort has been. I applied this retroactively to all periods, so all periods can still be compared. All numbers in this balance sheet are now exact numbers. If you notice in previous periods I had only estimates of the parent student loan, but I have since gained access to the exact numbers so I’ll now be able to include those. I has previously underestimated my California Board of Equalization liabilities because I did not factor in the appropriate penalties and interest due on the use tax that I must pay for my online purchases that I previously made. My investment portfolio also has continued to do very well. In fact, since September (just two months) my investment portfolio has returned 26%. Over that same period, my Roth (which is mostly index funds) has returned just 4%. Okay, I know, 4% is good for just two months. But still…
