Down on Frugal Rock

 Hello fellow frugal peeps, and welcome to the end of the year! It has been another doozy of a year in 2021, and also a fun one. Like many people do toward the end of the year we are at a moment of reflection as we look back at the good things, and the opportunities to improve. When it comes to financial planning we use the month of December as a way to review the year and plan for the coming year and reevaluate how we are doing on our long-term plans. To do a long-term plan, one needs to have goals. The goals that we have are 1) retire early (shocker), 2) have some fun (interesting?), and 3) enjoy life, 4) financial independence (FI). For our long-term goal of retirement, we do investments mostly, we track our monthly investment installments as a percentage of our income to see the trends over time. This year we did pretty well, with a mean monthly investment of 32% of our income. Our investments did really well, we mostly stick with index funds. I know it's not as sexy as crypto,