We're over the hump and on the downswing for the year!  Always a good time to stop and re-assess.

Financially, of course, my retirement plan balances have seen a decrease, counterbalanced somewhat by increases in the "comp" value of my home.  We did get a bonus, which I used to pay down debt.  As of 6/30, my assets are down 4.9% for the year (all due to retirement plan assets being down), my debts were down 10.6%, and overall, my net worth was down 6%.  

But the key is really in the ratios.  On 12/31, my debt to equity ratio was 10.71%, and now it is 9.8%.  And my asset to liability ratio was 10.33, and now it is 11.3.  Having gotten to a point where my debts (liabilities) are a much smaller portion of my net worth makes me feel like I have reached a tipping point, even if the absolute dollar value of my net worth is down a bit.  [For reference, a decade ago, my debts were 23.4% of my net worth and my assets were 5.3 times my liabilities.]

Now we'll see what the second half of the year holds.  The average bear market is nine months, and it's unlikely that we'll see the very sharp recovery that we saw after March 2020, so it's possible that the entire year will end up down compared to 12/31/2021--but I expect to meet and possibly even exceed my debt reduction goal, assuming (knock on wood!) no major veterinary expenses for Miss Buffy or big home/car repairs.  So even if my retirement plan balance doesn't fully recover, I expect my debt to equity and asset to liability ratios to improve.  I've got a 5 to 8 year period until I retire (and even after retirement, it is likely that I will work part of the year doing tax prep for at least a few years), and I expect all my current debt to be paid off by retirement, so I'm not too worried.

I walked (and jogged!) 1,757,874 steps during the first half of the year, exceeding my goal of walking at least 9,500 steps a day.  I have not yet consistently added in strength and mobility training, so that is a goal for Q3.  My weight is 13.8 pounds lower than at the beginning of the year (and 32 pounds lower than it was about a year ago, around the time I took the CFP exam).  Increasing sleep remains elusive.

No progress on my estate plan yet; I will work on organizing things during July and August, which are my lightest months of the year at work.

Only slight progress on decluttering; that is another July/August project.  As long as the old dryer and refrigerator are still working, I will hold off on replacing them.

I have off through Wednesday, so I'll have some time to work on some of these "personal" projects, but mostly I hope to get some rest.