January 2026 update

First monthly update of the year.

Numbers

• Income: $X,XXX
• Expenses: $X,XXX
• Savings rate: XX%
• Invested: $X,XXX into VTSAX

Notes

Kept expenses lower than expected this month. No major purchases. Meal prepping helped cut food costs significantly.

Still need to automate more of my investing. Currently doing manual transfers which adds friction.

Next month

• Set up automatic investments
• Review subscriptions and cut unused ones
• Start tracking net worth in a spreadsheet