Author Topic: Race from 10 to 100k!!  (Read 366214 times)

SGontour

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Re: Race from 10 to 100k!!
« Reply #750 on: March 01, 2016, 10:10:09 AM »
January 2015: CHF 49,805
...
November 2015: CHF 66,524
December 2015: CHF 67,473
January 2016: CHF 78,098
February 2016: CHF 81,995



congratulations to all new graduates!
 



jezebel

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Re: Race from 10 to 100k!!
« Reply #751 on: March 01, 2016, 10:36:47 AM »
October 1, 2015: ~$40K
February 2016: ~$65K

katthjul

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Re: Race from 10 to 100k!!
« Reply #752 on: March 01, 2016, 01:23:22 PM »
EOY 2015: €16,728
Jan 2016: €15,895
Feb 2016: €17,250

Most of the increase is from paying the annual amount due on my student loan.

khotte

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Re: Race from 10 to 100k!!
« Reply #753 on: March 02, 2016, 08:33:50 AM »
Looks like the spreadsheet keeps getting messed up. Anyone know how to fix it? It's not pulling in the current month's net worth. Also, I input my current months net worth yesterday and it looks like someone sorted and it changed the values that were entered for each person.

CanIndian

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Re: Race from 10 too 100k!!
« Reply #754 on: March 02, 2016, 09:24:21 AM »
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Nov 2015: $88,620
Dec 2015: $88,329
Jan 2016: $90,032

Just broke into the 90Ks zone with Jan, a month late due to market headwinds and all the additional spending during the holiday season. This market turmoil may be long drawn out. Here's hoping that the push comes from savings in 2016 letting us buy more into the markets on sale.

Not much progress in Feb too. While the Canadian holdings increased by ~2500, due to forex fluctuations the oversees numbers are trending lower in CAD. But we are back to the 35-40% savings levels and are plugging away at the investments.

Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Nov 2015: $88,620
Dec 2015: $88,329
Jan 2016: $90,032
Feb 2016: $90,600

MrStash

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Re: Race from 10 to 100k!!
« Reply #755 on: March 02, 2016, 11:26:41 AM »
Quote
Dec 2015 - $35,251
Jan 2016 - $34,524

Feb 2016 - $35,261

Meh. Market gains amounted to a whopping $3.35 in the month of February.

katthjul

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Re: Race from 10 to 100k!!
« Reply #756 on: March 02, 2016, 01:30:20 PM »
Looks like the spreadsheet keeps getting messed up. Anyone know how to fix it? It's not pulling in the current month's net worth. Also, I input my current months net worth yesterday and it looks like someone sorted and it changed the values that were entered for each person.

I have updated the current month (cell A1) and fixed the formulas in column A and B. The problem with the sorting most likely happens because the columns after January 2016 are outside the sorting range (marked by the green line/letters/numbers). I have not figured out how to extend the range, but that would not fix the misplaced values only prevent it from happen again.

monstermonster

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Re: Race from 10 to 100k!!
« Reply #757 on: March 02, 2016, 01:47:50 PM »
I just hit $10K and would love to join this gauntlet. Is there a way to do that at this point? Could we start a new gauntlet since so many people in the original thread seem "done"?
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queenie

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Re: Race from 10 to 100k!!
« Reply #758 on: March 02, 2016, 02:09:56 PM »
I just updated, but I'm shit at tracking monthly.  I'm going to try to get it together, because I think it will keep me from feeling discouraged when our progress isn't super clear.

I'd be happy to jump in on a new chart if one is made too!

Pooperman

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Re: Race from 10 to 100k!!
« Reply #759 on: March 02, 2016, 02:47:04 PM »
I just hit $10K and would love to join this gauntlet. Is there a way to do that at this point? Could we start a new gauntlet since so many people in the original thread seem "done"?

Add yourself!

dachs

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Re: Race from 10 to 100k!!
« Reply #760 on: March 02, 2016, 02:59:13 PM »
How can I add myself?

EDIT: Okay I just added myself, hope that was okay.

How do you make sure that there won't be some troll deleting all the data?
« Last Edit: March 02, 2016, 03:07:14 PM by dachs »

katthjul

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Re: Race from 10 to 100k!!
« Reply #761 on: March 02, 2016, 04:08:36 PM »
I just added a new sheet 'Net Worth 2' that starts from 2016, but I made the changes in a private copy of the spreadsheet first so I can easily recreate them if the spreadsheet is restored.

AcftW

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Re: Race from 10 too 100k!!
« Reply #762 on: March 03, 2016, 08:18:25 AM »
$40,061 - 1 Dec 2015
$43,153 - 1 Jan 2016
$47,634 - 1 Feb 2016

$50,404 - 1 Mar 2016

Broke 50,000, seems like a decent milestone on the way to 100k

katthjul

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Re: Race from 10 to 100k!!
« Reply #763 on: March 03, 2016, 10:51:16 AM »
Looks like the spreadsheet keeps getting messed up. Anyone know how to fix it? It's not pulling in the current month's net worth. Also, I input my current months net worth yesterday and it looks like someone sorted and it changed the values that were entered for each person.

I have updated the current month (cell A1) and fixed the formulas in column A and B. The problem with the sorting most likely happens because the columns after January 2016 are outside the sorting range (marked by the green line/letters/numbers). I have not figured out how to extend the range, but that would not fix the misplaced values only prevent it from happen again.

Can you redo this? I restored to the previous revision to fix the misplaced values, but the formulas were not correct in that version.

It's done. I also figured out how to update the sorting range which should make it safe to sort again.

dachs

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Re: Race from 10 to 100k!!
« Reply #764 on: March 03, 2016, 01:40:37 PM »
So how can I add myself? My name keeps disappearing.

dachs

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Re: Race from 10 to 100k!!
« Reply #765 on: March 03, 2016, 03:35:35 PM »
dachs Super sorry about that. On March 1st, someone scrambled a bunch of the data, so we had to reset to the previous version. It's been pretty rare *knock on wood* but we can use Revision History to fix such issues.. but it does remove data added after the jumble. If you add it now, it'll stick!

Okay thank you :) But there is no more cell left to add my name. Is there a special way to add a new cell? I don't want to mess up the table.

dachs

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Re: Race from 10 to 100k!!
« Reply #766 on: March 03, 2016, 04:31:53 PM »
Okay thank you :)

dachs

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Re: Race from 10 to 100k!!
« Reply #767 on: March 05, 2016, 08:14:47 AM »
Hm my networth keeps disappearing.

katthjul

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Re: Race from 10 to 100k!!
« Reply #768 on: March 05, 2016, 09:30:57 AM »
Are you looking at the right row? I can see two rows for the username dachsi (assuming it is yours), but only one has entered her/his networth.

Also don't enter your networth directly in column A or column B. They are supposed to contain formulas that reads data from elsewhere (column AX has the networth for March 1, 2016). Anything you enter in those columns will get overwritten the next time the formulas needs to be updated.

dachs

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Re: Race from 10 to 100k!!
« Reply #769 on: March 05, 2016, 10:54:22 AM »
Oh yes, sorry. The name moved because it's ordered by net worth, I had not noticed that. :)

tarheeldan

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Re: Race from 10 to 100k!!
« Reply #770 on: March 05, 2016, 01:31:27 PM »


Up about 7,767 tooooo..... 100,095.24. Hell yeah! 

Congratulations!! Hoping to see you in the other thread next month :-)

tarheeldan

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Re: Race from 10 to 100k!!
« Reply #771 on: March 05, 2016, 01:32:46 PM »

tarheeldan

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Re: Race from 10 to 100k!!
« Reply #772 on: March 05, 2016, 01:37:52 PM »
Up a bit to 91,826.05 last month, but hoping for some market cooperation for a strong March :-)

Nederstash

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Re: Race from 10 to 100k!!
« Reply #773 on: March 06, 2016, 05:36:51 AM »
Joining! My NW won't grow as fast as everyone else here and I don't expect to hit 100k very soon... but that won't discourage me! Numbers are in euro btw (which is 1.09 dollar atm).
Aug 15: 5327 (found MMM)
Sep 15: 5775
Oct 15: 6964
Nov 15: 8551
Dec 15: 12085
Jan 16: 12700
Feb 16: 13691
Mar 16: 14818

Hope to see you at the 100k mark before I'm old and grey!

SpareChange

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Re: Race from 10 to 100k!!
« Reply #774 on: March 06, 2016, 02:22:37 PM »
Congratulations!! Hoping to see you in the other thread next month :-)

Thanks! See you soon!

Imustacheyouaquestion

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Re: Race from 10 to 100k!!
« Reply #775 on: March 07, 2016, 08:07:09 PM »
Updated the last couple months for me:

1/31/16: 71,733
2/29/16: 74,225

Slowly but surely. I'm hoping to hit $100k by the end of 2016, about 2.5 years since starting in May of 2014. Not a bad pace!!

dogboyslim

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Re: Race from 10 to 100k!!
« Reply #776 on: March 08, 2016, 03:28:21 PM »
I see some people tracking investments rather than NW, so in that vein, I'm in for my AT investments if you'll have me.

As of 3/8: $20,818.37

Bateaux

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Re: Race from 10 to 100k!!
« Reply #777 on: March 09, 2016, 08:50:33 AM »
So many great posts here on the journey to freedom.  The 6 figure and 7 figure threads are waiting for you.  Keep the faith, it is coming.
“Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.”
 ― Antoine de Saint Exupery-

Class of 2020

frogger

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Re: Race from 10 to 100k!!
« Reply #778 on: March 13, 2016, 09:37:35 PM »
I haven't done a proper update in a while, but this month I finally crossed back into 10K territory! *does 10K dance for the second time*

Hoping to hit the 20K mark by August, when I start my new position (with 20% pay increase!), and then I hope things will really take off!

connor

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Re: Race from 10 to 100k!!
« Reply #779 on: March 14, 2016, 06:13:08 AM »
hit 25k USD this week, although I should probably stick to my own currency, 17.8k GBP. My road to 100k will be in bursts rather than a steady increase, though, as I'm a college student just trying to find little moneymaking schemes here and there rather than having an actual income.

carozy

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Re: Race from 10 to 100k!!
« Reply #780 on: March 16, 2016, 01:22:27 PM »
hit 25k USD this week, although I should probably stick to my own currency, 17.8k GBP. My road to 100k will be in bursts rather than a steady increase, though, as I'm a college student just trying to find little moneymaking schemes here and there rather than having an actual income.

$25K for a college student is pretty good!

Mr.Bubbles

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Re: Race from 10 to 100k!!
« Reply #781 on: March 16, 2016, 02:03:27 PM »
I know i'm late for the party but....

3/16/16- $10,515 USD

time to go!

tomita

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Re: Race from 10 to 100k!!
« Reply #782 on: March 16, 2016, 07:21:00 PM »
I hope this is doable
16 Mar 2016 ....investments $64300   debt $13200 (for DH & me)

CanIndian

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Re: Race from 10 too 100k!!
« Reply #783 on: March 20, 2016, 07:05:07 PM »

Not much progress in Feb too. While the Canadian holdings increased by ~2500, due to forex fluctuations the oversees numbers are trending lower in CAD. But we are back to the 35-40% savings levels and are plugging away at the investments.
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Nov 2015: $88,620
Dec 2015: $88,329
Jan 2016: $90,032
Feb 2016: $90,600
Early update this months as the year-end bonus and a hefty tax refund gave a definitive push over the line, with a paycheck still remaining in the month. Took me 27 months to go from 10-100.

Dec 2013: ~10,000
Dec 2014: ~50,000
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Nov 2015: $88,620
Dec 2015: $88,329
Jan 2016: $90,032
Feb 2016: $90,600
Mar 20th  2016: $107,112

Steaming along to the next goalpost.
Good luck everyone on your journeys and see you soon on the other thread.

Imustacheyouaquestion

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Re: Race from 10 to 100k!!
« Reply #784 on: March 25, 2016, 06:58:56 AM »
1/31/16: 71,733
2/29/16: 74,225
3/25/16: 80,361

Need to pay just over $1k in taxes, so my increase next month will be a bit smaller. But forward progress is good!

Nederstash

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Re: Race from 10 to 100k!!
« Reply #785 on: March 25, 2016, 11:49:23 AM »
Joining! My NW won't grow as fast as everyone else here and I don't expect to hit 100k very soon... but that won't discourage me! Numbers are in euro btw (which is 1.09 dollar atm).
Aug 15: 5327 (found MMM)
Sep 15: 5775
Oct 15: 6964
Nov 15: 8551
Dec 15: 12085
Jan 16: 12700
Feb 16: 13691
Mar 16: 14818

Hope to see you at the 100k mark before I'm old and grey!

Just did some conservative calculations and I should hit 100k at the end of 2020. Mind you, this includes zero interest or dividends, so it will hopefully be sooner. I've set myself a goal. I want to be at 100k at the end of 2018. I will need to get serious about side hustles though! What's life without a little challenge!

monstermonster

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Re: Race from 10 to 100k!!
« Reply #786 on: March 26, 2016, 10:31:17 AM »
Joining! My NW won't grow as fast as everyone else here and I don't expect to hit 100k very soon... but that won't discourage me! Numbers are in euro btw (which is 1.09 dollar atm).
Aug 15: 5327 (found MMM)
Sep 15: 5775
Oct 15: 6964
Nov 15: 8551
Dec 15: 12085
Jan 16: 12700
Feb 16: 13691
Mar 16: 14818

Hope to see you at the 100k mark before I'm old and grey!

Just did some conservative calculations and I should hit 100k at the end of 2020. Mind you, this includes zero interest or dividends, so it will hopefully be sooner. I've set myself a goal. I want to be at 100k at the end of 2018. I will need to get serious about side hustles though! What's life without a little challenge!

I'm with you, too! I'm looking at a NW of maybe $100K in 2020 if I'm really lucky! But side hustles are the key. :-)
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newkanye

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Re: Race from 10 to 100k!!
« Reply #787 on: March 28, 2016, 10:11:53 PM »
1st post! My stretch goal is 125K by the end of the year if I get lucky with the market. I will be about 23.5 years old (sidenote: I can't believe I'm turning 23). More realistically I will probably hit 105k-110k barring any illnesses/family issues/injuries etc.

Me: Single male, 22 years old, NYC
Started at -12k in student debt when i graduated in 2015. During college, I paid down ~8k from earnings in college/internships.

Current stats:
Cash on hand: 20k. 15k is in the savings account to maintain the credit card. I have an additional 5k for instant liquidity (rent, paying the monthly credit card balance) without disrupting my long-term investment positions and getting slapped the 35% capital gains tax.
ETF: 10k
Cash for Investments (dry powder): 37k
401k: 5.5k - the match doesn't activate until I've stayed with the firm for 2-3 years so I'm ignoring the additional +5.5k match.
Traditional IRA: 5.5k as soon as I cash in the tax refund. It's sitting at home with my parents.

Total: 78K
Year-End Goal: 125K
62% there!


steveo

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Re: Race from 10 to 100k!!
« Reply #788 on: March 29, 2016, 02:19:35 AM »
Okay - time to join this one. I want to make this past 100k this year and we (wife and myself) should be able to do that easily mainly because the mortgage is about to be paid off. I'm not including home equity or super (Australian retirement account that you can't access until 60).

4th January 2016 : 55k.

An update for close to the end of the quarter: 58k.

So this is pretty pathetic but the returns haven't been good for us plus we have only made one investment in the market. In stating that we invested 10k and we've moved forward 3k. I suppose it's interesting to think about how poor returns can impact me. I think over the longer term we will still come out ahead so I'm not really that stressed.

We also have close to 10k in cash. I'm not including this because I'm only including invested assets. I expect to invest another 20k during the next quarter and we will see how we go.

dogboyslim

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Re: Race from 10 to 100k!!
« Reply #789 on: March 29, 2016, 04:08:45 PM »

merlin7676

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Re: Race from 10 to 100k!!
« Reply #790 on: March 31, 2016, 08:28:54 AM »
Well this quarter hasn't been great return wise but I did sell my car which helps increase my net worth plus my bonus at work helped to pay down the last CC and will be finished either end of May or beginning of June.
My yearly raise should be effective April 15th and tax return is due any day now so I expect another big jump from March to April as well.

12/31/15   47,513.96
01/31/16   44,058.68
02/29/16   46,830.84
03/31/16   58,923.60

**I don't include my home value since we plan to stay in it forever. This is only IRA and 401K and savings and taxable accounts****
« Last Edit: April 01, 2016, 08:28:18 AM by merlin7676 »

CanyonMan

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Re: Race from 10 to 100k!!
« Reply #791 on: March 31, 2016, 02:41:15 PM »
I've never posted in this thread, but I've been keeping tabs on it for a long time. Not at 100k in Mint due to a technicality, but hit it for the first time during this month.

Dates   Net                           Notes
Nov-10   $1,849.03
Dec-10   $2,524.99
Jan-11   $2,418.43
Feb-11   $1,937.37
Mar-11   $2,689.13
Apr-11   $2,689.13
May-11   $2,689.13
Jun-11   $2,689.13
Jul-11   $2,689.13
Aug-11   $1,663.30
Sep-11   $1,785.26
Oct-11   $3,787.75
Nov-11   $5,486.26
Dec-11   $5,514.02
Jan-12   $6,296.77
Feb-12   $4,949.08
Mar-12   $4,264.70
Apr-12   $5,262.42
May-12   $5,200.87
Jun-12   $5,716.61
Jul-12   $8,004.74
Aug-12   $8,047.28
Sep-12   $6,510.59
Oct-12   $17,477.46      Sold a bunch of stuff in an attempt to simplify my life. (extra vehicles, electronics, spare tools)
Nov-12   $16,354.48    
Dec-12   $16,352.56    
Jan-13   $14,079.47    
Feb-13   $17,556.49    
Mar-13   $17,305.82    
Apr-13   $18,831.80    
May-13   $20,113.63    
Jun-13   $13,348.21    
Jul-13   $14,967.44    
Aug-13   $15,772.28    
Sep-13   $17,146.63    
Oct-13   $19,077.32    
Nov-13   $20,537.92    
Dec-13   $21,903.85          Finished college. Graduated with zero debt thanks to spending the majority of my degree at a community college and working 40+ hours a week the whole time.
Jan-14   $24,028.75    
Feb-14   $25,475.82    
Mar-14   $26,480.62    
Apr-14   $32,071.04           Started reading MMM.
May-14   $32,166.76    
Jun-14   $35,030.11    
Jul-14   $39,832.53    
Aug-14    $41,600.72    
Sep-14   $43,536.95    
Oct-14   $46,353.34    
Nov-14   $51,066.46           Moved 1500 miles for Job, big growth spurt came from advance for moving expenses.
Dec-14   $50,852.04    
Jan-15    $56,661.62    
Feb-15    $63,155.09    
Mar-15   $64,334.44    
Apr-15   $52,588.68             Home Purchase - Down Payment on house
May-15   $55,631.95    
Jun-15   $57,427.62    
Jul-15   $79,110.25             Home equity added to mint. $10k in instant equity due to finding a deal on a foreclosure owned by a bank that didn't know the local market.
Aug-15   $79,679.80    
Sep-15   $81,828.87    
Oct-15   $87,487.43    
Nov-15   $87,519.89    
Dec-15   $87,267.01    
Jan-16   $85,533.09    
Feb-16   $89,507.62    
Mar-16   $99,265.54           Actually hit 100K during this month! Net was brought back under by a mortgage payment that has been withdrawn, but not reflected in the equity yet.


A couple stats and factoids.

Age: 25
Asset breakdown: 16% cash/savings. 26% investments, 31% Retirement account, 27% home equity.
Debt: Nothing other than mortgage. Watched my parents destroy any hope of retirement with credit cards.
Field: Public sector I.T. (Decent pay, but far from the 6 figure salaries that seem to be common around here)



Time to go start lurking in the 6 figure thread!
« Last Edit: March 31, 2016, 02:45:15 PM by CanyonMan »

mrteacher

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Re: Race from 10 to 100k!!
« Reply #792 on: March 31, 2016, 06:15:08 PM »
I made it! Closed in March comfortably over $100,000!

9/1: $78,487.07
10/1: $81,428.69
11/1: $87,887.66
12/1: $90,220.55
1/1: $93,782.59
2/1: $91,959.06
3/1: $93,145.64
4/1: $100,869.59

On to $250k!

Keep on keeping on, everyone!

carozy

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Re: Race from 10 to 100k!!
« Reply #793 on: March 31, 2016, 07:22:35 PM »
I made it! Closed in March comfortably over $100,000!

9/1: $78,487.07
10/1: $81,428.69
11/1: $87,887.66
12/1: $90,220.55
1/1: $93,782.59
2/1: $91,959.06
3/1: $93,145.64
4/1: $100,869.59

On to $250k!

Keep on keeping on, everyone!

Congrats!  You had some big jumps there too :)

andy85

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Re: Race from 10 to 100k!!
« Reply #794 on: April 01, 2016, 06:28:09 AM »
Somehow i just now saw this thread...and it is one i can actually not feel out of place :)

(2010-2013 amounts are my best guess. Didn't start tracking until 2014)

End of Year: Amount
2010: -$7,500
2011: $7,500
2012: $8,500 (bought a car - hence the relatively flat NW)
2013: $24,000
2014: $36,285 (Found MMM in October)
2015: $40,655 (Peaked at $48k, but then I liquidated some savings to buy a house)
Today: $48,000

There is a very slim chance i could hit 100k by the end of 2017...should get there in 2018 for sure.
« Last Edit: April 01, 2016, 07:01:50 AM by andy85 »

Rodgers12

  • 5 O'Clock Shadow
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  • Posts: 61
  • Age: 29
  • Location: Wisconsin
Re: Race from 10 to 100k!!
« Reply #795 on: April 01, 2016, 06:42:50 AM »
7/31/2015: $36,978
8/31/2015: $34,949
9/30/2015: $35,722
10/31/2015: $37,797
11/30/2015: $39,424
12/31/2015: $42,763
01/31/2016: $44,656
02/29/2016: $47,521
03/31/2016: $51,770

March was a good month for me. Between my employer simple IRA company match being deposited, the market gains in general, and also some privately held company stock that I own increased the share price by 7%, I have seen a very nice jump in my net worth! Little bit of a milestone for me surpassing the $50k mark. Slow and steady my progress has been but finally crossing the half way mark is giving me extra motivation to stay the course.

Glad to see we have a bunch of new people joining in on the race! Good luck everyone and I am excited to watch your progress along the way!

SGontour

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  • Posts: 19
Re: Race from 10 to 100k!!
« Reply #796 on: April 01, 2016, 08:51:30 AM »
January 2015: CHF 49,805
...
November 2015: CHF 66,524
December 2015: CHF 67,473
January 2016: CHF 78,098
February 2016: CHF 81,995
March 2016: CHF 78,422

Down more than 3k... no new investments, weak USD and markets mostly sideways.


celticmyst08

  • Bristles
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  • Posts: 382
  • Age: 28
  • Location: Seattle, WA
Re: Race from 10 to 100k!!
« Reply #797 on: April 01, 2016, 10:19:38 AM »
12/2014:   20,639.31
01/2015:   22,508.74
02/2015:   30,778.55
03/2015:   34,001.91
04/2015:   36,607.49
05/2015:   38,382.26
06/2015:   42,838.00
07/2015:   48,495.61
08/2015:   46,205.22
09/2015:   49,753.59
10/2015:   54,243.55
11/2015:   59,392.35
12/2015:   63,067.27
01/2016:   60,170.84
02/2016:   64,960.54
03/2016:   73,705.82   +13.43%

Woohoo! We are still looking on track to hit $100k in November or so. Considering we totally overshot our goal of hitting $50k in 2015, I'm hoping we will smash this one too.
« Last Edit: April 01, 2016, 10:47:25 AM by celticmyst08 »
Goal: FIRE by 2026
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katthjul

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  • Posts: 53
  • Location: Sweden
Re: Race from 10 to 100k!!
« Reply #798 on: April 01, 2016, 11:25:01 AM »
EOY 2015: €16,728
Jan 2016: €15,895
Feb 2016: €17,250
Mar 2016: €19,597

Saved a bit more than I usually manage.

Woodro85

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  • Posts: 23
Re: Race from 10 to 100k!!
« Reply #799 on: April 01, 2016, 11:40:02 AM »
Damn, all of you are really impressive!
Real good looking progress CanyonMan, you are MILES ahead of nearly every other 25 year old out there, killin' it!

My update is as follows:

1/1/2016   $70,395.59
2/1/2016   $74,587.69
3/1/2016   $77,683.18
4/1/2016   $81,670.69

Most of this NW is in equity/Pension/retirement accounts so I'm just focusing on getting a larger Emergency Fund for the next few months as I've always gone a little light on cash in the bank.