Dear Readers,

Thank you for coming here!

As we just entered 2023, I would like to share with you a quick summary of 2022 from the perspective of financials.

As you can see from the chat above, our Total Net-Worth (TNW) has been increasing every year, but the increment year-on-year has been dropping, which means we are further away from our 40/40 goal than 2019 while I am 3 years closer to age 40.

This is mainly due to our investment.

I was mostly out of a job in 2020, but our investment carried us through.

In 2021, it is the opposite. I got my salary back, but our investment tanked, resulting in an overall lower increment than 2020.

Photo by Jp Valery on Unsplash

2022, on the other hand, was a disgrace. 

Our investment continued the dive, but not as drastic as