Another year gone, and not a moment too soon.

I ended up doing a modestly-sized Roth IRA conversion after all. Since I can claim the FEIE this year to exclude my earned income in Japan, that leaves me with some tax-free space from my standard deduction with which to do Roth conversions. I did my best to estimate my conversion amount to completely fill up the tax-free space, but I’ll find out for sure once I file my taxes in a couple months.

Here’s hoping that this year will be better than 2020!

Here’s my December expenses:

Category 12/20 Comments
Rent $961.83
Internet $52.77 First year promotional rate ended, now paying full price :(
Cell Phone $31.47
Natural Gas $21.67
Electricity $36.87
Water $36.62
Groceries $455.64
Transport $85.31
Health $180.60 Health insurance
Other $46.95
Necessary $1,909.72
Restaurants $57.19
Entertainment $0.00
Shopping $47.64 Amazon Prime renewal
Travel/Parking $109.71
Gifts/Donations $23.38
Software/Games $19.99
Business $0.00
Other $0.00
Discretionary $257.91
Total Expenses $2,167.63
Gross Income $5,799.92 Salary + Q4 dividends
Taxes $433.79
Net Income $5,366.13
Savings $3,198.50
Savings Rate 59.61%
Net Worth $381,267.65 Market keeps going up…?

Projected time to FI (assuming 6% growth and 4% withdrawal rate): 6 years, 0 months.