Generally Year 2020 has been quite trying for people who try to increase their net worth. I would expect many people pay reduced, on unpaid leave, retrenched, mute property and likely poor equity investment returns, This is particularly true for me because we have added expenses for additional member in the team. In Year 2019 I have estimated at least 140K expense which includes Home Loan that is well supported by investment returns. For Year 2020 I don't think we deviate much expense wise however I am glad that she has chip in to help support baby clothing, shoes, Nappies, Toys, books, baby powders and food supplies. Dual income is so cool in bad times. Here's the Net Worth chart. I won't go through the details. Looks like the expense has not damaged the lines and able to hold-off so far. Rumor has it that we may not have increment and bonus this year so if that's the case we won't see a slight spike later on. Frankly speaking 2nd half could see better market condition....