Goals/Objectives for 2018

I’ve already gone over my performance to goals for 2017 in a previous posting. In summary, I hit my finance and business goals, but was only halfway successful for the personal goals. From what I can see, that is fairly normal for FIRE bloggers – we are pretty good at hitting the numbers, but often fall off on the “squishy” goals.

For 2018, I kept my finance and business goals fairly similar (just bumping up some of the numbers) and added more personal goals. Why would I add to the goal category in an area I didn’t excel in? Call me a glutton for punishment, but I feel that I want to emphasize the personal as I get closer to my FI goal. I need to continue to work on realizing it’s not just about the money.


  • Save $81K in tax-advantaged accounts (saved almost $37K in 2017). 401K, Roth IRA, etc. By utilizing a deferred account my company offers, I can dramatically increase this number (I will dump 100% of my company bonus in to help reach this number).  Since the deferred account money will have to be withdrawn (and taxed) when I leave, it actually is a pretty cool FIRE solution for saving.
  • Save $9K in regular accounts (compared to $26.5K in 2017). This will go into my brokerage account. I will use the money I was putting into this to upgrade the money in the tax-advantaged (see above)
  • Increase dividend income from all accounts to $24K/year (compared to 22K in 2017).
  • Passive income covers 33% of base living expenses in retirement (it was 30% in 2017). My long-term goal is to get my dividend/passive income up to where it covers over 100% of my expected retirement living expenses, so my investments can continue to grow.
  • Beat net worth growth rate of 7% (it was 12.3% in 2017). My historical net worth growth rate for the last 20 years has been 6.6%. This has been through two downturns (2000 and 2009), and it’s been over 12% for the last five – but there is a downturn coming at some point.


  • Begin attending regular meetings of my local real estate investors association. They hold a regular monthly meeting, a monthly meeting for new investors, and a monthly meeting for my specific county. All three could be interesting, and it’s free for a paid member. Last year I started attending, but it was spotty.
  • Double the number of blog visitors in 2018. Last year it was a little over 2,000. I want to get at least 4,000 this year, so I need to put myself out there more (i.e. comment) and write interesting topics.
  • Write/publish a book on finance.  I wrote one for new graduates in 2017, but I have identified an area of the community which hasn’t been served as well in the past. Hopefully I can assist with something here.


  • Increase weight lifted by 10% from 2018 (increased by 12.7% in 2017). I want to continue to improve my strength as I get older, instead of just wasting away
  • Average 3 hours of cardio per week (currently averaging about an hour). Again, want to improve my fitness
  • Take part in at least one long bike ride, like MS bike-a-thon (80 miles)
  • Backpack over 100 miles on AT (did over 100 in 2017)
  • Begin volunteering at Pennsbury Manor at their joiner’s shop (woodworking)
  • Reduce weight by 20 lbs. from Jan 2018 (lost 9 lbs. in 2017). Again, I want to get in better shape as I get closer to financial independence
  • Read at least one book a month. Trying to learn new things and keep my mind shop. Started this in August 2017, and I’ve been doing fairly well with it.


  • Visit a national park (visited Shenandoah NP in 2017)
  • Visit family in Tennessee, Vermont and New York. Family is very important to me. One of the things I am looking forward to with financial independence is the opportunity to visit family more often
  • Visit Portland, OR and northern California. Mrs. 39 Months has a craft class she wants to take in Portland, so I’ll go as well, and run around in Portland, when it’s over, we want to visit the Park in Northern California with the Redwoods.
  • Visit Ellis Island. Wanted to do this in 2017, but didn’t make it. As 50% Czech from immigrant great grandparents from the turn of the century, I believe they went through there, and I want to see it
  • Go on an international trip. Not sure which one (Canada, Caribbean, etc.) but I’d like to get out this year.
  • Visit the Asheville NC area. It’s one of the areas that we are considering retiring to (close to my old home in Tennessee, interesting crafts, shops & outdoor sports, etc.). Trying to learn more about the area (we’ve been there a couple of times).

So those are my somewhat ambitious goals for 2018. I am going to do my best to hit them, so wish me luck.

What are your goals for 2018?

Other bloggers on setting goals

Full Time Finance

Mr. 39 Months

2 thoughts on “Goals/Objectives for 2018”

  1. Any goal is feasible if well planned. I recommend trying the iSmart.Life app. I use this app to planning my goals, tasks, projects.This is a very simple and free web app. Has many useful features: goals, projects, budgets, notes, reports, etc You can see the demo and decide whether it suits you or not…

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