I reallocated $11k from tax savings to the brokerage account since I'm pretty certain I have saved way too much for taxes again this year. Good NW gains this month overall.

In fact, this has been a good year overall in terms of NW. In addition to growing in numerical value, this process has also provided me with emotional relief and knowledge/learning. So, I have included some (mostly) non-number gains for the 2020 year below:

HOUSE: There was a whopping $30k in appreciation this year. Refinanced to a lower interest rate in July, but was not able to drop PMI as I had hoped.

SAVINGS/EF: This year, I saved to have an acual EF instead of having my tax savings double as one. Most of this came from grossly overestimating how much I needed to pay in taxes for 2019.

BROKERAGE/RETIREMENT: Learned a new skill - how to invest. I opened the brokerage account this year, and it has been very exciting to learn how to invest even though I use a very boring "buy and hold index funds" strategy. My 457 from my previous employer is managed for me, and is all in a target date fund. I don't get a choice on what happens with that, so I never had to learn. Although I started self-employment a couple of years ago, it wasn't until this year that I started retirement savings through my self-employment.

HSA ACCOUNT: Until June of this year, my health insurance was always paid through my previous employer. I learned about the triple tax advantaged HSA accounts, and picked an HSA plan. My deductible (which is also my maximum out of pocket) is $7000. I have more than this amount in my EF if needed, so medical costs won't sink my financial plan. The plan is to keep the money in the HSA for as long as possible. I am healthy-ish for now, but this will not always be the case. The tax advantages will come in handy when I am older.

I am excited to see what the future years hold in stock.  

NET WORTH NUMBERS
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77,400 - House Equity
29,700 - Savings(EF)
33,100 - Brokerage
29,900 - SEP IRA
52,300 - 457 Account
4,200 - HSA
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226,600 - NET WORTH
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