$49,738 (Taxable account)
Happy New Year, Everyone!
Here’s a revised version of your blog post:
It’s been five years since I started this journey, and I’m proud of how far I’ve come despite the obstacles I’ve faced. Along the way, I’ve learned so much and grown in ways I never imagined.
There’s real power in documenting your progress, pushing your limits, and holding yourself accountable. Journaling truly feels like a life hack for anyone committed to personal growth.
Let me know if you’d like further edits!
2025 TGFG Net Worth
NET WORTH = ASSETS (WHAT YOU OWN) – LIABILITIES (WHAT YOU OWE).
We are a dual-income family with two wonderful kids and a dog. We live in the Capital District of New York. I have been tracking my income since 2020 and not the wife’s. I understand I can reach the 1 million dollar portfolio goal faster if I combine hers with mine, but I was challenged by the kids that I can’t reach it alone. I will prove them wrong.
One thing about me: I like accepting realistic challenges and using them as motivation. Ever since I took it upon myself to document the journey solo and prove to myself that I can and it will happen.
Not bad for a year when I decided to significantly slow down my investment contributions in my taxable account and paused contributions to my retirement accounts entirely to focus on paying off debt and building my savings.
I managed to pay down some of the debt, though not as much as I had originally planned. As for my savings? Honestly, I consider that part a failure. Does it ever feel like the moment you get close to reaching a goal, something unexpected swoops in to derail your progress?
Still, I don’t let it get to me, and you shouldn’t let it phase you either. With the right plan, discipline, and consistency, you’ll eventually find a solution.
Goals Results
2024-2025
| Pay off Student loan Debt | Failed |
| Exercise | Passed |
| Read three or more books | Passed |
| Backyard farming | Failed |
| Family Vacation | Passed |
Click here to see my new goals for the year 2025-2026
To all my fellow student loan payers, if you’re still holding out hope for federal loan forgiveness, it might be time for a reality check. Once repayments restarted, it became pretty clear that we were in for a rough ride.
What really gets to me is how quickly the interest piles up and how much of your payment goes straight to it. If you’re not paying aggressively, you’ll find yourself stuck paying mostly interest for the majority of the loan’s life. It’s a tough pill to swallow, but tackling it head-on is the best way to get it out of the way.
Student loan Balance: $4,941.48 I’m confident that I’ll pay it off for good if all goes well and as planned this year (fingers crossed!).
Backyard Farming. I never realized how challenging it could be, especially without extra hands to help. Last year, my goal was to prepare the ground and start a small garden. However, I quickly learned that the amount of TLC needed, like battling with overgrown weeds before seeing results, is much more than I anticipated.
I’m still debating what my first crop should be. Something that yields well and is worth the effort. If you have any suggestions, I’d love to hear them.
Haitian Revolutionary Soup
Enjoying this Soup Joumou (Pumpkin Soup) every January 1st in honor of the ancestors that made the ultimate sacrifice and to those that collaborated someway or another.
What’s Next for the New Year?
Rebalancing my portfolio. This year, the maximum you can contribute to your Roth IRA is $7,000. If you’re 50 or older, it’s an extra $1,000. Cleaning up my portfolio by selling low-performing stocks to increase my cash balance before resuming contributions to my taxable investment account.
Portfolio Update: With tech dominating last year and AI growing so fast, I find it hard to pick individual overpriced tech stocks. So, why not have a portion of them all? I opened a small position with Invesco QQQ Trust (QQQ).
Travel Plans: We plan to have one family trip and one trip with just my wife.
Health: I’ll continue going to the gym until it becomes a habit. It has already been three months; if I can do another 3 months going consistently, then I’ll officially call it a new habit of mine.
