Assets up 13.6%

Debts down 2.7%

Net Worth up 15.7%.

Steps walked: 2,602,440, which is 7,130 on average per day, and 1,097 miles in total (3 per day on average).

Dollarwise, this is about $104k increase in assets, $2.5k decrease in debt, and $106.5k overall increase in net worth, the first year in which the increase has been over $100k.

Debt reduction was slower than hoped for because of a number of large expenses, particularly for home repairs and maintenance plus vet bills when I lost Bridget back in April.

I've been in my 106-year-old house for 16 years, so appliances that had been replaced shortly before I bought the house are reaching the 20-year mark and are beginning to break down.  I'm seriously contemplating replacing the refrigerator, dryer, and oven (especially the refrigerator, given remaining supply-chain delays) before they actually break down.  Then the only major system that I would not have replaced (I think) would be the furnace, which I do have maintained annually (reminder--time to schedule this!).  Over the past 2 years, I've done the roof, hot water heater, and washing machine plus a lot of plumbing upgrades.  I might look at January sales for the refrigerator and wait and see whether and how much we get for a bonus before deciding on the oven and dryer. 

Had a very quiet New Year's Eve--went to bed early, woke up and talked to my sister on the west coast around 10pm and then lights out.  This morning, I joined a walking group and did 2 miles of a group walk in the rain.

My "theme" or "word for the year" for 2022 is "Foundations."  I want to rebuild and shore up my foundations and regroup after finally completing the CFP designation in 2021 before deciding what my next "stretch goal" might be.

I'll have 3 areas of focus:  Health, Wealth, and Systems, Habits, and Routines.

Goals within these are as follows:

1. Health:  Losing at least 3" off my waist is the primary goal.  To do this, I will try to  fast at least 14 (preferably 16) hours daily and try to eat a diet that is 80% unprocessed foods.  I want to figure out a way to get more sleep more consistently, more than 6 hours (7 ideal).  I'm going to challenge myself to increase the daily step count average to  about 9,500, which would be 4 miles a day. Adding in two strength training sessions per week is the last sub-goal here.

2. Wealth:  Continue to save, and to pay down debt to 70k or less. Get estate plan in place.

3. Systems, habits, and routines:  Improve workflow to get tasks completed earlier.  Refine Morning, Evening, Work Start-up and Work Shut-down routines.  Make intermittant fasting and 10k steps/daily exercise habits (i.e., done w/o thinking and developing an intrinsic desire to do so when I lapse.)  Systematize reading/note-taking/note-making processes.  Develop daily habits for meditation, reading, and journaling that are part of my morning or evening routines.

Finally, I want to think during the year about what my goals for 2023 and beyond might be.  I see 2022 as a year of regrouping after putting most of my efforts into my new career during 2009 to 2021.  The next several years are more of a preparation for retirement--which I still think will be several years away--but I would like to expand my social circles once the pandemic has died down and focus somewhat more on avocational interests.  One of those "avocational" interests is to do some writing that integrates ideas from my two areas of professional expertise. But for now, regrouping in order to refocus my energies is enough.