Goals

Base goals:
1. 25 times my last 12-month expenses to cover my expenses for the future.
2. Life insurance until I have a net worth equivalent to my payout.
3. Health insurance until I have 10 lakhs to spare.
4. Kids college contribution, I may not be able to pay the entire amount but hoping to contribute 12 lakhs.
5. Work out 5 times a week.

2024

1. Work out 20 days a month

2. To save at least 50% of my pre-tax salary on an annual basis.

3. Track my expenses every month and identify where I have done well and where I have to be careful. (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).

4. Get dividends and capital gains to cover expenses.

5. Get some income from free time.

2023

1. Work out 20 days a month. Failed

2. To save at least 50% of my pre-tax salary on an annual basis. Failed, 40%

3. Track my expenses every month and identify where I have done well and where I have to be careful. (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Success

4. Get 1 lakh in dividend income. Success

5. Get some income from free time. Failed

6. Do not sell dividend-paying stocks. Failed

2022

1. Work out 20 days a month. Failed

2. To save at least 50% of my pre-tax salary on an annual basis. Success

3. Track my expenses every month and identify where I had done well and where I have to be careful. (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).

4. To have ₹35,000 as income per month as per the 4% rule only from investments and not touch the savings at any cost unless medical emergency or job loss. Success

5. Read a book a month. (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed

6. Get ₹24000 from passive income. Success

2021
1. To save at least 50% of my pre-tax salary and deposit in MF without any second thought (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
2. To have ₹25,000 as passive income per month only from investments and not touch the savings at any cost unless medical emergency or job loss. Success.

3. Track my expenses every month and identify where I had done well and where I have to be careful. (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).Success
4. Exercise at least 20 days a month (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
5. Get some income from free time. Success

6. To have ₹30,000 as passive income per month only from investments and not touch the savings at any cost unless medical emergency or job loss. Success

7. Read a book a month. (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed

2020
1. To save at least 50% of my pre-tax salary and deposit in MF without any second thought (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
2. To have 25000 as passive income per month only from investments and not touch the savings at any cost unless medical emergency or job loss. Failed
3. Track my expenses every month and see how did it go (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).
4. Exercise at least 20 days a month (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
5. Read one book a month (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
6. Plan 1 trip out of state. Failed
7. Take 5k from rent and deposit in MF. 
8. Get some income from free time. Success
9. Write a daily journal.

2019

1. To save at least 50% of my pre-tax salary and deposit in MF without any second thought (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
2. To have 20000 as passive income per month only from investments and not touch the savings at any cost unless medical emergency or job loss. Success 
3. Track my expenses every month and see how did it go (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).
4. Exercise at least 20 days a month (Jan, Feb, Mar,  Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).
5. Read one book a month (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).
6. Plan 1 trip out of state.
7. Not to take unnecessary unplanned leaves from work (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).
8. Take 5k from rent and deposit in MF. (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec).
9. Get some income from free time.

2018

1. To save 50% of my post-tax salary and deposit in MF without any second thought (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
2. To have 15000 as passive income per month and not touch the savings at any cost unless medical emergency or job loss. (Achieved in November due to PF account). Success 
3. Track my expenses every month and see how did it go (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Success 
4. Exercise at least 20 days a month (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
5. Read one book a month (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
6. Plan 2 trips out of state. Failed
7. Not to take unnecessary unplanned leaves from work (Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed

2017

1. To save 50% of my post-tax salary and deposit in MF without any second thought (Aug, Sep, Oct, Nov, Dec). (In case of a break from work I will not have any savings) Success 
2. To have 25 times my last 12 months' expenses and not touch the savings at any cost unless medical emergency or job loss. Still a long way
3. Track my expenses every month and see how did it go (Aug, Sep, Oct, Nov, Dec). Success 
4. Read one book a month (Aug, Sep, Oct, Nov, Dec). Success