Debt Elimination | Month 3: -$727,929
Another month down. This is the Month 3 debt update, and unlike the wealth snapshot, I did go back and update the debt paydown for May and June. That means this series now has a cleaner month-by-month view of the actual debt movement instead of skipping straight from Month 0 to Month 3. The current…
Wealth Snapshot | Month 3: $110,668
Now that Month 3 has wrapped and the payments have actually posted, it is time to get back to the full picture. The last wealth snapshot I posted was Month 0 back in early April, so this update is not a normal monthly check-in. I did not post wealth updates for May or June, which…
Debt Elimination | Month 2: -$731,826
Another month down. This first full month of the series ended up being the biggest debt paydown that I’ve made so far, not just in this new journey, but in my entire life. This one was much quieter than last month, but that might actually be the point. Last month was the launch. It was…
When Your Budget Breaks, Do Not Break With It
My recent budget break started with what was supposed to be a simple trip to my rental property in Birmingham. The tenant reached out because the oven was not holding heat. This oven had already been repaired once, so I knew there was a real chance I would be looking at a full replacement. That…
Debt Elimination | Month 1: -$738,575
One month down, and it was a wild one. This first full month of the series ended up being the biggest debt paydown I’ve made so far, not just in this new journey, but in my entire life. Was I a little overzealous? Probably. Was it worth it? Time will tell. But one thing is…
Is the FMVA Worth It? My Honest Review
Proverbs 18:15“The heart of the prudent acquires knowledge, and the ear of the wise seeks knowledge.” The Starting Point: Not Burned Out… Just Off Purpose I was working a job that, on paper, was fine. Good environment. Stable. No real complaints. But something was off. It wasn’t burnout. It wasn’t stress. It was a lack…
Wealth Snapshot | Month 0: $52,662
Now that the month has wrapped and the dust has settled, with payments actually hitting where they’re supposed to, it’s time to take a real look at where we stand. So let’s break down the current state of our net worth, or what’s left of it. I’ve been using Monarch Money to track everything instead…
Debt Elimination | Month 0: -$768,548
This is one part of implementing what I have defined as the Joseph Plan. The full framework is outlined separately and can be found below. This phase focuses on debt reduction as a step toward establishing financial stability. This is not a short-term effort. It is a structured approach that will be applied and measured…