In October, I turned 37 years old and Aria turned 1! It's hard for me to believe that I first started this blog and writing these monthly updates at 27. So much has changed since then, and my life is in a place I could have never imagined in many aspects. My net worth is … Continue reading Financial Independence Update- October 2025

In September we continued getting settled into our new place. We haven't been in a major rush with the unpacking process but have gotten all of the essentials and furniture set up. Aria loves the new house with lots of extra space for her to play and explore. Being in this new area of town … Continue reading Financial Independence Update- September 2025

In 2015 when I graduated physical therapy school, my main focus was to reach financial independence as quickly as possible. At that time, I calculated my annual spending amount, added a buffer of 40%, and used that to determine my goal net worth to "retire." In 2017, I updated those numbers and reduced the buffer … Continue reading Adjusting Financial Assumptions and Goals- Financial Independence Update August 2025

In July we continued our house hunt. We put in an offer on another place that seemed just about perfect, but unfortunately we got outbid again. Although the housing market is softening throughout the country, our area in Virginia is still fairly strong with good houses getting several offers and often going for above asking … Continue reading Financial Independence Update- July 2025

June was a mostly quiet month at home in Virginia. At the beginning of the month, we celebrated our two year wedding anniversary and twelve years since we started dating (we got married on our 10 year dating anniversary to keep the date the same). It's hard to believe that much time has passed! We … Continue reading Financial Independence Update- June 2025

May included Aria's first trip to the beach, a lot of hiking, and a new Bitcoin all time high! We took another road trip to go to the beach. This was for a bachelorette party that Whitney was going to, but since Aria is still nursing it wasn't easy for Whitney to go alone and … Continue reading Financial Independence Update- May 2025

In April we had our first long-ish road trip with Aria. We drove 7 hours each way to Philadelphia for the OT national conference. It went fairly well overall, but she doesn't sleep well in the car and gets fussy after an hour or so in her car seat. Including stops and traffic on the … Continue reading Financial Independence Update- April 2025

March felt like it flew by. We didn't have any trips during the month, so we spent all of our time at home with the baby. Not having to leave the house to go to work has been a major blessing with a young baby. Even on nights when she sleeps terribly and wakes us … Continue reading Financial Independence Update- March 2025

In February we took our first real trip with Aria. We drove to Charlotte and then flew to Houston for the APTA CSM conference. Both Whitney and I, but especially Whitney, were nervous about how this trip would go for a couple of months. Aria's sleep had been very inconsistent with more bad nights than … Continue reading Financial Independence Update- February 2025

January was the first month that Whitney and I felt like we were getting in a good groove as parents. Aria started sleeping a little longer at night, at least at the beginning of the month, which was wonderful. Something I didn't realize before having a baby is that things seem to progress and regress … Continue reading Financial Independence Update- January 2025