Wins: 1. Decrease in debt (I’ll calculate the total on Jan 1), but good progress. 2. Good retirement savings contributions (13% withholding + 3% company annual contribution plus a nice annual profit-sharing-plan contribution from the company totaling close to 15k. Also, contributing nearly 8% to HSA & LPFSA for additional tax-deferral. 3. Made some progress on reducing a few recurring expenses—changed trash hauling services, changed individual disability policy, cut a few recurring unused services and contributions. Will do a bit more of this tomorrow and Wed on my time off. 4. Did some reallocating of my portfolio to be a little more conservative over the summer, moving from a 40%/60% allocation closer to 45/55. 5. Maxed out my HSA contribution for 2019 and also added $300 to a limited purpose FSA to cover purchase of new glasses. 6. A big engine repair in my car came in under warranty, saving me a lot of money compared to if the problem had shown itself after the warranty expired and upgrading the “short block” to a newer one, hopefully adding to the car’s longevity.

Falls: 1. The market fell in Q4, wiping out all gains for the year; I’ll recalculate at year end but looks like net worth will be down by about 5%. 2. I still haven’t gotten my tracking of spending on track; I do retrospective analyses and only the roughest of budgeting, and I still spend too much money eating out. 3. Kitty vet expenses were exceptionally pricey this year. Both girls are now teenagers so I hope this is not the "new normal." Both girls were sick last month, which involved a lot of testing (on the other hand, I now have confirmation that everything looks good), plus one cat had 8 teeth extracted.