Revealed: How This 40-Year-Old Retired Early in 2025!

Having a tumultuous January is the norm in the bustling life of Mrs. RB40 and myself. A rollercoaster of emotions and events characterized the past month, creating a whirlwind of highs and lows that left us dizzy. The chaos of managing a vacant rental property and dealing with personal health issues has thrown our financial goals for a loop, leaving us with a lot to reflect on.

Let’s reflect on how I’ve fared with my 2025 goals, assess our net worth, and evaluate our cash flow in the wake of January’s challenges.

2025 Goals:

1. Sell Rental Condo: The impending sale of our rental condo looms large on the horizon. From incessant trips to the hardware store for repairs to coping with a significant rental income loss each month, the path to finalizing the sale has been arduous. Time to bid farewell to the landlord life.
2. Prep Duplex for Sale: With the distant future in mind, prepping our duplex for sale is a meticulous undertaking that requires strategic planning. From exterior repairs to massive overhauls, this project demands our attention.
3. Max Out my Roth IRA: The financial prowess of the Roth IRA beckons once again. However, dwindling income sources might thwart my ability to max out contributions this year, underscoring the importance of budgeting wisely.
4. Track Net Worth and Hope for +10%: An annual tradition of tracking our net worth to gauge financial progress remains steadfast. Hoping for a 10% increase amidst a turbulent economic landscape seems ambitious yet not impossible.

Health Goals:

1. Exercise More Than Last Year: Battling past injuries and sluggishness, the gradual climb back to an exercise routine seems daunting but necessary. Seeking a balance between health and responsibilities is key.
2. Win Claim Denial: A bureaucratic tussle with health insurance companies casts a shadow over our family as we navigate through layers of red tape and denial claims, hoping justice prevails in the end.

Fun Goals:

1. Sell My Ceramic Projects: Venturing into the art scene with unusual wabi-sabi creations is a bold move that beckons me towards uncharted waters. Will the sphere of art appreciators embrace my eccentric creations?
2. More Dates: Prioritizing quality time with a loved one amidst the hustle and bustle of life is a noble pursuit that requires a delicate balance between work and leisure, a conundrum many struggle to resolve.

A new year brings with it a plethora of uncertainties and challenges that test our resolve and resilience. As we weather the storms of life, basking in the small victories along the way, the importance of perseverance and meticulous planning becomes more apparent than ever. In times of doubt and adversity, staying the course and staying committed to our goals is paramount. So, as we bid adieu to January, let’s brace ourselves for the unpredictable journey that lies ahead, armed with tenacity and a steely resolve to conquer whatever obstacles come our way.