Finances:
December 2018 - 79.7% (22.3 x expenses)
December 2019 - 107.3% (30.0 x expenses)
January 2020 - 109.3% (30.6 x expenses)
February 2020 - 103.7% (29.0 x expenses)
March 2020 - 94.9% (26.6 x expenses)
April 2020 - 100.4% (28.1 x expenses)
May 2020 - 105.3% (29.5 x expenses)
My invested assets have recovered to last November's level - just 6 months of returns lost at this point in the "downturn". I found my asset allocation is a little off with 33.8% bonds/ 66.2% equities - I had planned to be at 32.5/67.5 and guess I just got too aggressive in taking gains out of equities this past month. I guess that just means I'll do less balancing in June to get to my new 35/65 goal.
Current withdrawal rate is 3.34%. According to the Earlyretirementnow Toolbox I could have a SWR of 3.84%. I like that extra safety between my rate and the safe rate. (Yeah, I'm cautious. I also have 1.75 years' worth of cash that I don't count in our assets - since it's just cash.)
Mortgage payoff came this past week. I'd miscalculated when I made a principal payment two years ago and we knocked-off 3 months from our normal "payoff" date - oops. I understand how early payoff can lead to sub-optimal returns vs. investing the cash instead, and I'm okay with being sub-optimal in this item. Now I'm interested in opening up a HELOC as a "just in case" cushion of cash, but I'd actually want to talk to a person at my credit union about that - and that's not going to be allowable for a bit.
Life:
I filled up my gas tank this past week. I didn't need to (still had 1/4 tank left) but I hadn't gotten gas since March and it was time - I also wanted to get milk and bananas that day and it was a downpour...so I drove instead of walking with an umbrella.
The garden was planted over Memorial Day weekend - green beans, carrots, lettuce, tomatoes, zucchini, and butternut squash. Everything we'd planted from seed has sprouted in the past week except the carrots and squash (those lazy bums!).
Since the weather finally decided to warm up the second half of this month I've started to transform my morning walks into morning jogs, with a bike ride thrown in when I need a change-of-pace day.
The wife found a dog through a rescue organization and we've now got a cutie. She was listed as a Shi-tzu/Poodle mix, but there is nothing Shi-tzu about her. The wife thinks she's more dachshund body with poodle legs/tail; I see some retriever in her. She is integrating into our family and making friends (with people and their dogs) in the neighborhood.
Going back to work after a long Memorial Day weekend (I also took off the Friday before so I had a FOUR-day weekend) was rough. But the workload this past week was easy; that happens when my biggest client has put most of its projects on hold. If I was a normal employee I'd be worried the loss of projects would mean my employer cuts staff, but I've got that fat stache (see above) and I'll just sit around surfing the web/taking long lunches/updating spreadsheets until whatever happens happens (projects come in or staffing cuts).
Eight months left until my planned departure - less time than it takes to carry a child to term. I've planned this for many years - even before I knew FIRE was a thing, and way longer than when I/we had actually planned to have a child - that was only 2 years from "yes, lets" to "it's a girl!", and I know I'm prepared (100% financially, ~67% mentally) but, when I really stare into that future date, I still quiver a little bit for what it signifies. Again - I feel like I'm planning to jump out of a perfectly good airplane.
Oh, and I turned 41 this past week. I've been working in my professional career for 19 years now (started in May 2001), I've "survived" through three recessions, and this is my fourth/last employer. Now I can honestly say I'm too old (well, maybe just too tired/rich) for this shit. :-)