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## Full Financial Picture for 2023

I recently received my final tax document from Fidelity, allowing me to have a comprehensive view of my 2023 cash flow. The breakdown of my income, taxes/fees, and investments for the year is depicted in the image provided. Green represents income, red depicts taxes/fees, and blue signifies investments.

### Investments – A Banner Year

2023 proved to be a stellar year for investments, with a remarkable 26% gain in the S&P 500. Such significant growth is not the norm, and I view these investment increases as contributions to my future retirement accounts, rather than impacting my current year spending in any significant way.

### Low Spending Habits

My spending habits are notably frugal, as I do not have children and I do not indulge in particularly expensive hobbies. Moreover, my apparent spending is further reduced due to my knack for securing exceptional deals and value for money. For instance, through strategic purchases, I managed to receive $1200 in Google Store superfan credit during 2023, spent $800 of it on Google products, and sold the remaining credit for $500 cash. These unique spending tactics often result in seeming low, negative, or non-existent expenses in my overall spending total.

### Absence of Entertainment

External entertainment, such as concerts, is not a part of my lifestyle. However, I did splurge on front-row tickets for Hamilton when it toured my area in 2023. Interestingly, the net cost was negative as I acquired an extra ticket and sold it for a profit just before the event, thereby registering as a negative expense in my spending category.

### Limited Travel, Emphasis on Nature

While I eschew traditional vacations, I do indulge in weekly full-day hiking trips with my dog, along with occasional multi-day excursions. Every month, we embark on road trips to scenic locations far from home, choosing mountain towns as pit stops on the return journey. I derive greater satisfaction from these nature-focused trips compared to conventional European vacations. Although my travels typically exclude hotel stays, an upcoming trip to the Grand Canyon will necessitate lodging accommodations.

### Environmentally Friendly Choices

My electric and gas expenses are notably low thanks to solar energy powering my home and the moderate climate that minimizes my dependence on gas heating.

### Cost-Effective Phone Plans

I have optimized my phone expenses by exploring websites such as to identify budget-friendly plans that align with my usage requirements.

### Impact of High Taxes

Residing in a state with elevated taxes and property values has a substantial impact on my overall tax burden.

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When dealing with legal documents, it can be overwhelming to try to understand all the complex terminology and legalese that is often used. Many people find themselves struggling to decipher what the document actually says and how it applies to their situation. This can lead to confusion, misunderstandings, and even legal pitfalls.

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