May 4th marked the two year anniversary of pulling the emergency break on my employment. The kids and therefore I are still busy with school at least until Wednesday when I get busier with summer break. I still don’t miss the work meetings.
In addition to keeping the latest month’s numbers for the pie charts on the blog, I keep a separate historical spreadsheet of the monthly numbers over time and split it out into Mr. and Mrs. views. I thought it would be a useful experiment to average out just my investment holdings for the past two years of retirement.
Mr. investment holdings consist of rollover IRA (formerly 401k), Roth IRA, and HSA. There have been two years of Roth IRA spousal contributions, and two years of similar sized HSA withdrawals to pay medical deductibles as we build up a new Mrs. HSA. Asset allocation here is a bit wonky as Mr. Rollover IRA is the only place we hold bonds (VBTLX). Mrs. investments are 100% VTSAX. As of today, Mr. investment allocation is 77% stocks, 23% bonds.
| Month end | Mr. investment balance | Monthly increase (1 yr delta / 12) |
| April 2024 | $1,484,370 | $221,361 / 12 = $18,446 |
| April 2025 | $1,635,788 | $151,418 / 12 = $12,618 |
The past two years have seen back to back 20+% gains for the S&P 500 and therefore VTSAX. We haven’t begun to draw down our investments and continue to live off Mrs. salary, plus maximize all her retirement contributions. The monthly Mr. asset appreciation exceeds the loss of monthly Mr. paycheck especially when factoring in child care savings. I’ve bought back my time.
