February 2019 is done….and I realized that I forgot to write the January update! It was a busy life was in the first two months of the year. Mainly fighting the flu and some kid issues. But lets get on with February.

How much closer did I get to my financial independence targets in February? Lets look at the numbers and find out.

3/02/2019

Emergency Fund	80.07% 97.11%
College Fund	55.46% 62.54%
Passive Income (2017 vs 2018)	$657.17(02/2018) $1037.33 (02/2019)
Retirement Fund	86.30% 91.00%
Roof for our Family($750K)	00.00%
Medical Fund (via HSA)	12.56% 13.66%
Life Insurance	Done (term life insurance policy)

Main Takeaways this month

• Passive Income Stream
  • My passive Income for Feb 2019 was $1037.33…looks nice compared to last Feb right?  Not so fast…for part of 2018, I was on a quarterly dividend system…later converted to a monthly dividend system….so, 2018 will catch up to his year in a hurry…
  • My passive income goal for the year is $500 pm or $6000 pa. But I do not have the same higher dividend paying investments this year. So, getting ahead earlier in the year is good!
• Emergency Fund
  • Rebuilt my emergency fund to almost 100% of my target.
  • Time to take some risks now 🙂
• Additional Investments
  • Investments in taxable accounts
    • None.
  • Investments in tax-deferred account (IRA)
    • Started two cash fund streams:
      • IRA: Took a 12% gain from selling a portion of a REIT fund
      • 401K: Took a 11% gain from selling some international funds
    • My goal is to set aside 10% of my portfolio in cash…a rainy day investment fund to better dollar-cost-average good investments.
    • Money market is giving a decent 2.4%…so, am getting paid some…
• Miscellaneous
  • Nothing.