Interesting year. We are up out networth by about $290k. We are down in debt so far by $26k for the year (paid off car loan which was $12k at start of 2020). We drive paid for cars as of this month. Refied our mortgage from 7/1 arm at 3% till 2024 to 27 year fixed at 2.875% for $900. Breakeven point is in 9 months. We plan on sticking it out for 3 years.

Our assets are up $265k for the year between saving and investments. I'm thinking we'll end the year up around $300k if everything goes right.

We ended up moving everything to Merrill Lynch and not going through with our refinance. Instead Chase gave us a too good to be true no cost refi so we stayed with them and they lowered and fixed our rate. But I moved our taxable account and 2 roth IRA to Merrill lynch and now I decided I might as well wait and earn $1000 per account for moving the money and leaving it there for 6 months. Then I'll go back to Ameritrade. I don't like the ML platform and I find it more cumbersome and less updated.

I'm waiting for prime day not necessarily to shop with amazon. But rather see what deals I can get.

things i am shopping for
1. Food processor - need 10 cup/4 cup it's broken and I'm borrowing a neighbors 10 cup
2. Breville Toaster oven - want for the right price
3. large crock pot - need, mine can't easily do a lot of the cooking i'm doing.
4. roomba - want for the right price

these are the things I'm looking for next week. I have no idea if they will be a good deal or maybe I wait until Black Friday. But I definitely need a bigger crockpot. I'm making yogurt now and it's too small for a gallon of milk my 5Qt pot. The food processor well I use it a ton and am borrowing one.

I was going to buy an instapot but a friend said they'd give me theirs since they never use it. Guess I'll get it soon enough!

Funny I never though I'd be the type of person to be waiting and really make a list and think carefully about what I needed. Usually I just don't buy it and if I really want it or it becomes extreme (like my broken dyson vaccuum cleaner) I just go buy it then and there. I needed a vaccuum cleaner and I wasn't going to wait. I went straight to costco and returned the broken one and bought a new one. I use it 2-3x/day and no way can I live without one. Somethings aren't worth trying to live without.