I just dumped my $2k into each child's ESA and $6k into our Roth IRA.  So $16k gone to investments.  Anyway I'm thinking of buying more QQQ. I buy etfs mostly and VOO and QQQ are big ones for me.  

I'm not sure if I should wait and see how much lower it can go or not. I don't monthly DCA I just dump usually Jan/Feb of every year the contributions that I spend the year accumulating.  This year I hope to accumulate it as well.

DH got a raise supposedly but I'm not sure how much and I'm not sure when we'll see it so let's just say it'll happen eventually.  Since I don't know how much the only thing I know is it was supposedly approved.

Unfortunately we also owe on our taxes this year.  Not as bad as prior years I think $1500.  Could be worse.  It's hard to say because of 1099 we are missing I have no idea what we will have in capital gains or distributions.  I can't believe 2021 is gone.

The cases of omicron covid have obviously been rapidly spreading.  There is no more contact tracing.  And so many people are over it. They don't care.  They may have it but they don't care if they test or spread it around. It's an interesting dichotomy now.

People who are vaccinated just think whatever.  Sure let's go out and transmit it.  I don't want to change my life.  But what happened to the common good?  When you were sick before were you running around trying to spread the cold?  I swear all people are getting very rude.  I almost feel like people are more angry than before.  It's a weird thing.  

And people who are vaccinated are terrified as well.  Obviously because it's hard to avoid. I have to wonder people who don't care if they are spreading it, why won't you just stay at home?  Why won't you test and admit you have covid?  What's the problem?  It's not different than having had the flu.  So stay home and chill.

But instead it feels more like people are annoyed at covid.  Annoyed at each other.  Vaccinated people blame unvaccinated. And now they feel like they can behave the same.  I wonder what happened to realizing that sometimes what's best for society is best for everyone?  Like not spreading germs.

2021 was an interesting year for us in so many ways.  Financially we did well even with a paycut.  Our net worth went up about $500k.  We paid off 2% of our mortgage or about $15k.  We refinanced to a 7 year arm at 2% in June.  We currently pay ~$1400/month to rent our house and ~$1800 in principal.  We saved about 45% of our income even after the paycut.  

DH and I both started our own companies and not working for the man.  I'm self-employed and working solo.  We'll see how this year goes as my first year really doing it.  My DH started a company with others and is working like crazy as a founder.  It was a large risk but it appears to have paid off he's still working but it's going well.

We were fortunate to lose no one to covid this year.  Although my uncle passed away from old age my family did well overall for 2021 and that is amazing.  I'm hoping that 2022 is just as fortunate and everyone stays in good helath.  My DK1 was diagnosed with autism and it was a bittersweet moment.  Good because everything I thought and suspected was confirmed.  But at the same time it hard to hear and worry about the future had me stressed out for a month. I cried (obviously I blogged) a lot for a month.

But overall it was a good year.  I'm hoping 2022 will be equally well.  Happy New Year!  15 years (i missed my anniversary and so much has changed).  At that time we had a net worth of probably around $80k.  Wow.