Go Curry Cracker Asset Allocation 2021

We have been living off our portfolio for over 8 years now, since late 2012.

For the 1st 6 years I made only minor adjustments – annual rebalancing, minimizing long-term taxes with capital gain harvests and Roth conversions, and adding the occasional small chunk of fresh capital as blog income allowed.

But after ~7 years of the stock market trending upward and the conscious decision to spend more, in early 2019 we took some money off the table (sold stocks / bought bonds.) When literally everything went to hell due to COVID-19, we sold most of those bonds to buy stock and increase our cash cushion.

Now, this is what our portfolio looks like in 2021.

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Award Travel Series: Getting to Hawaii for Free with Ultimate Rewards

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We’ve beat the drum of transferable currencies and how powerful credit card welcome bonuses can be. Maybe you were even enticed by the recent highest-ever Welcome Bonus for the Chase Sapphire Preferred card (80,000 points after $4,000 spend in 3 months, a $1,000+ value. $95 annual fee.) Now it’s time to put that hard work to use by making a redemption using those points, and what better destination than Hawaii?
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