Unfortunately, this year was a disappointing repeat of last year (Year End Financial Results 2023), so not much of an update. My investment results were actually 1% better in 2023.

So, since my portfolio didn’t match the performance of the typical S&P 500 index ETF, I actually slipped a bit compared to most of my peers. So even though my net worth increased over 2023, I still feel a bit behind, especially when considering the inflation increase that happened in 2023 and 2022. At least this year I broke even on my  Secret Wealth Goal versus the past few years.

Sadly, Lifestyle Creep is still creeping up for me, but not at a horrible pace. This year we all went on a short one week vacation to Iceland, which was amazing and certainly worth it. To right my financial boat, I’m not taking a big vacation in 2025 and I’m definitely staying in the US if I do go somewhere!

So in conclusion, I only slipped a little but I’m still in the lower half of UMC. In 2023, I said “This year, I’m a bit less than about 50% into the UMC that I was in 2021. It’s still nice to be in the light green area though, even if it’s just one toe in.”, and the same is true this year, but my toe is my “little” toe this year.

Hopefully, 2025 will be better!

MR guy