I have made many changes to my finances in the past two years, and have been building up my efforts to achieve financial freedom in earnest in the past six months. These changes will result in my net worth getting closer to zero, but involve a lot of hovering around the negative $150,000 mark for now. It can be discouraging, but I know that progress is happening. Even when it does not appear true.
To show myself that my efforts have value and to encourage myself to keep them up, I am tracking my net worth weekly. I know this is obsessive and do not intend to do it indefinitely, but I think that there is a value in having meticulous attention to these matters for the time being.
I started a business from my liquid savings in 2014. In 2015, I opened and fully-funded an IRA. In 2016, I opened a separate brokerage account, paid off (with help explained here) two of my credit cards, and began preparing to purchase a coop or condo.
All of these changes feel big, but my bank account feels small. Hopefully my focus will get me to and beyond zero.
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What changes have you made in your finances recently?