The year 2020 is finally coming to an end. So many things have happened that I find it incredible how we got to this point and it has only been a year. While we are on leave and enjoying the celebrations, we feel exhausted. We are also trying to rest and recharge in between to get ready for the new year. I’m not doing a year end net worth update yet because there’s still next week to go. But I’m okay with how the numbers are going so far. There’s still room for improvement, hence the title of today’s post.

We are making progress with our net worth every month and year despite having a more passive ETF-focused investing strategy and holding a large cash balance. The portfolio has grown to a sizeable amount and it’s getting more difficult to manage now. The direction we take with it can have a significant impact years down the road but the