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Hey Everyone! Oh wow, it’s November already. The leaves are turning, and it’s a beautiful day in Portland. We had a rainstorm yesterday, but the sun is out today. Ahh, life is good when it’s sunny. Mrs. RB40 is home after spending a month in California to help out her parents. It’s great to have her back. I had a rough time being a single dad to a teenager. We needed Mrs. RB40’s feminine touch. Also, a tree didn’t fall on our car. That’s pretty lucky, right? I park in that spot pretty often. This is the main reason why I don’t want to buy a new car yet. Street parking is rough on a new car. On the personal finance side, we had a pretty good month. Our net worth reached a new high again. The stock market was unstoppable. However, our cash flow was a big mess. Mrs. RB40 set up a bunch of payments for her dad from our accounts. She paid for the home health aids, his car insurance, carpet cleaning, and more. Her dad will reimburse us with a check later. He doesn’t trust online transactions. That’s fine, but it complicated my monthly accounting. I might need to set up a separate bank account to help simplify the accounting. Alright, I’ll share how I’m doing with my New Year goals. Then, I’ll go over our net worth and cash flow. Let’s go! 2025 Goals Here is my 2025 goal spreadsheet. It’s helpful. Try it out if you can’t keep up with your New Year goals. The key is to review the spreadsheet monthly to track your progress. That way, you can see which goals need extra attention and work on them. Wow, we don’t have much time left in 2025. Honestly, I’m ready to start over. This year was tough. In particular, I’m losing motivation to exercise, but I’ll try to keep going. Have you been working on your New Year’s goals? Financial Goals Sell Rental Condo This was my main goal for 2025. The previous tenant moved out of our rental condo in January. I fixed it up and listed it for sale. Unfortunately, the condo market was terrible in Portland. We only had one viewing in 4 months! I think buyers are afraid. The economy is too uncertain and the interest rate is high. That’s why I decided to rent out the condo for now. We’ll put it on the market again in a few years. Prep duplex for sale Along the same line, I want to sell our duplex* after RB40Jr finishes high school in 2029. We want to move to Southern California to be closer to families. Mrs. RB40’s parents are getting older, and they need help. *We live in one unit and rent out the other. This year, I wanted to repaint the exterior. However, the plan changed to kitchen remodeling. We are getting the cabinet resurfaced and a new countertop. This will give our kitchen a much-needed
Chicken tortilla soup is a hearty meal that features tender chicken and warm Mexican flavors. But what really sets this recipe apart from others is the use of the crockpot. The long, slow cooking process infuses the meat with liquid creating fall-apart, perfectly seasoned bites and a slightly spiced broth with lots of depth. What can I expect? This low-carb chicken tortilla soup is made with a variety of nutritious ingredients for a high-protein meal that will fill you up without leaving you feeling weighed down. Plus, not only is it delicious, but this recipe will revolutionize the way you prepare soup! Instead of standing over a hot stove for hours on end, all you have to do is combine the ingredients, and let them slow-cook. Then, come back after a few hours, shred the chicken, and let it cook again. After that, all that’s left to do is add your favorite toppings, and dig in! Is Crockpot Chicken Tortilla Soup Healthy? Let’s take a look at the main ingredients: Low-sodium chicken broth Chicken Jalapeño Green chilis Onion Bell peppers Tomato sauce Chicken broth, jalapeños, green chilis, onion, bell peppers, and tomato sauce are all natural, nutritious food sources. Each have their own list of health benefits. Include them in soups, stews, casseroles, and stir-fry recipes for a boost of nutrients and flavor. Sugar is what makes food unhealthy. Classic tortillas are made from white flour (refined grains) which means they are practically all sugar. Top this chicken tortilla soup with a 23g sugar tortilla, and you’re looking at heartburn with an energy crash. (And you’ll be scouring the pantry for your next sugar snack within the hour.) Substitute regular flour tortillas with a low-carb alternative, and this recipe becomes nourishment. The ingredients provide vitamins, minerals, protein, and quality, whole-food energy. Enjoy this crockpot chicken tortilla soup knowing it supports your well-being. Learn more about eating less sugar here. Chicken Tortilla Soup Tips 1. Prepare it in advance Like many soup
November 2025 Hey, it’s Earl—51-year-old dad of three, former corporate slave, current part-time freedom fighter.I hit every FI milestone on paper… and almost lost my damn mind doing it.$350K Freedom Fund? Check.$2M net worth? Check.Dividends covering groceries? Check.Still snapping at my kids over spilled Cheerios at 10 p.m. after a 14-hour day? CHECK. his post is my therapy session on the page. If you’re a late-start parent chasing numbers while your soul leaks out, read […]
The stock market outlook continues to show an uptrend for U.S. equities.
Denominator Blindness in IRS Audits This graph again demonstrates Denominator Blindness, now in IRS audits. Looking at the above graph, the average person would think that those at low income are most likely to be audited by the IRS. […]
(no. 075) – “Esc” – Image Credit: Jose G. Ortega Castro “I have no idea when the next post will be.” – post no. 074 on 12/02/2023In February, it will be three years since my last post. When my hosting renewal reminder arrived this year, I was tempted to just let the blog quietly rest in peace. But curiosity got the better of me. I started reading through some of my earlier posts, and beneath the cringe and clumsy writing, I found something worth keeping, a record of our family’s financial journey.Even if my kids never read it, I know I’ll be glad to have this to look back on one day.Another thing, when I migrated to a cheaper host, I lost all my subscribers. Rather than add them all back manually, if you would like to be notified of new posts (could be months or years!), then feel free to re/subscribe.FamilyOur boys are now 3, 6, and 8. The sleepless nights are behind us, but they’ve been replaced by sibling squabbles and endless whinging. Still, the moments when they’re getting along, playing, exploring, laughing together are pure joy. Those moments make everything worthwhile.The youngest is in nursery three days a week and spends another day with a childminder. That’s brought our childcare costs down dramatically: from a peak of around £1,500 a month to roughly £50 now.We’ve also settled into what we believe will be our “forever home”. The kids are making friends, and we live on a small hill with a glimpse of the sea. The beach is less than five minutes walk away and we love it here.WorkMrs CC has now left the MoD. Over the past few years, she’s gone from full-time motherhood to working one or two days a week as a nurse for a charitable foundation. Next week, she joins the NHS as a nurse, working three days a week, around 33 hours. She’s genuinely looking forward to it; a welcome change of pace from full-time parenting.As for me, I left policing this year. When I began our financial independence journey, my projections suggested that 2025 could be a pivotal point. As we reached various milestones and I turned 40, it felt like a now-or-never moment.It was a difficult decision, more so than I’d like to admit. On one hand, it meant more time with family. On the other, so much of my identity and self-worth was tied to what I’d achieved in policing, and to what I felt I might be leaving behind.I’ve always been open about using coaching and counselling to help navigate transitions. Sometimes professional help brings clarity. During one session, my coach said something that’s stayed with me:“Remember that you evaluate life in reverse, but we live going forward. As a
Join us on Average Joe Finances as our guest Tracey Lundell, a wealth advisor, shares her unconventional journey from aspiring diplomat to financial industry expert. Calling in from Canada, Tracy offers insights into her varied career, the importance of diversified income streams, and the necessity of taking that first step toward financial literacy. She emphasizes […] The post Podcast 319. Breaking Financial Boundaries with Tracey Lundell appeared first on Average Joe Finances.
The data center industry sits at the intersection of cloud, colocation, and the accelerating demand for artificial intelligence compute. For income investors who want exposure to this secular growth without sacrificing dividend income, not every data center company is a good fit. In this essay I argue that Digital Realty Trust (DLR) is the best data center company that pays a dividend — combining a reliable, well-covered payout with diversified global scale, improving operational metrics, […]
The Economic Impact of Daylight Saving Time: Why Permanent Standard Time Makes Financial Sense Did you know Benjamin Franklin first proposed daylight saving time in 1784, but it was first implemented during World War I as a way to conserve coal. The Uniform Time Act of 1966 standardized daylight saving time across the United States. The energy crisis of the 1970s prompted further changes, and the law has been modified several times since then, most […]
My wife and I attended a Halloween party this past week with a group of fellow nerds. The theme was birds, and the costumes ranged from predictable (I was one of two Big Birds from Sesame Street) to pun-filled (the hostess dressed in blue, wearing a necklace of strung together blue kitchen sponges – a “scrub jay”). It was wonderful. I ended up in conversation with someone I’d met in passing a couple of times, […]
There is no excerpt because this is a protected post. The post Protected: CDIC Explained: Everything to Know About CDIC & Deposit Insurance in Canada appeared first on Jessica Moorhouse.
Time is the most valuable asset in your retirement portfolio. Please don’t waste it. Allocate your attention to this week’s terrific retirement links. Social Security will increase by 2,8% in 2028. CNBC Ten questions to answer before you die. Hello Mortal Failure is a gift. Prime Cuts Why returning to work doesn’t always work. Next Avenue Time rewards the patient. A Teachable Moment …The post Monday’s Coming Like A Jail On Wheels….When Is My Retirement? appeared first on A Teachable Moment.
Updated 7 November 2025: These are strange times we are working in. The next regular military payday is Friday, 14 November 2025. Will military members get paid on time? At this point, it’s anyone’s guess. I’m writing this on the 7th, and the is a lot of uncertainty with regard to military pay. The government… | Read More… The post Will The Military Get Paid? If So, When? appeared first on KateHorrell.