Week 47 of 2025.

Analyses of my finances, trajectory of semi-retiring on December 31, 2026

Accountability. And a record of action that I have taken to improve my life. These letters are going to be many capturing the intentions, struggles and thought process that I have put in each week.

The question is what do you see?

Honestly, I see myself semi-retiring as soon as possible, without a drop in QoL and there’s only two way to accomplish that. A drop in expenses and an increase in assets.

So that’s where I am beginning.

This week I am staggling with both slashing expenses and using opportunities increase my assets portfolio. With that a need to put out that NAB credit card debt which is currently sitting at $2300.

With the increased liquidity comes higher risk of leaks that compounds over time if not kept in check. Through building my own spreadsheet to track liabilities, assets, and the flow of money, I can be more educated on the current allocations of my funds. With each month, the allocations of my funds can be better optimised in areas that generate further liquidity.

So in summary

[ ] Complete and populate my financial spreadsheet.