Sorry for the late post as I was busy with stuff.
Thought I'll do a review of 2019.
On my personal finances
Achieved investing savings target of 24k/yr, achieved 30.1k.
Total savings achieved after everything else would be 35.9k.
It is lower than last year despite a higher savings rate (~10% drop) because of many replacement costs plus a new console (and buying for the family). These are one-off expenses so we do not expect these to appear next year.
Still focusing on how to allocate every dollar well.
This year I increased net profit margin from work from 57.7% to 59%, it is still not yet at the 60% mark.
Frankly, it has been harder and harder to increase my savings rate.
In addition, considering some happenings at work, I would think increasing it to 65% would be safer to create a margin of safety (I would think 70% the maximum I can...