Brutal. Absolutely brutal.
But being September, I saw it coming a mile away, which is why most contributions were suspended (except a little splurge near the end of the month). I still have some limit orders waiting for a trigger, which I think it'll get there, just have to be patient.
Most freelance deposits came in, leaving a tidy sum of cash (despite the overall drop in net worth). But the home refresh project is beginning in a few weeks. October funds will be spent painting, deep cleaning, and refinishing. I'm also buying some new computer hardware equipment likely to scale into the four-figures. In November I'll be taking advantage of Black Friday specials to score kitchen appliance replacements, and then in December a few remodeling areas to top it all off. I'm hoping to get away for less than $12,000 after all is said and done, but who knows in this inflationary environment.
If there's any consolation, at least I can look forward to much-increased contribution limits in January for the retirement accounts. I know the Roth and HSA will balloon higher, which if the market holds its lows through the end of the year then shares will become quite a bargain. Yep, that's the kind of silver linings I look for.
More updates coming as we enter the final Q of '22. |