added images and updated tutorial

fire-101/budgeting.ipynb

@@ -17,14 +17,87 @@
     "1. Understand how much you make and how much you spend\n",
     "2. Understand where you spend your money\n",
     "    - Everyone has different styles or preferences (more or less granularity)\n",
-    "    - Here are my bins (housing, health, food, transportation, utilities, miscellaneous)\n",
+    "    - Setup categories that work for you\n",
+    "        - housing/rent\n",
+    "        - healthcare\n",
+    "        - daycare/school\n",
+    "        - food\n",
+    "        - transportation\n",
+    "        - utilities\n",
+    "        - vacation\n",
+    "        - giving\n",
+    "        - entertainment\n",
+    "    - Automate tracking\n",
+    "    - Track your spending\n",
     "\n",
     "**Tools**\n",
     "- YNAB & MINT\n",
     "- Excel\n",
     "- Quicken\n",
     "- Bank apps"
    ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "<br>\n",
+    "\n",
+    "----------\n",
+    "<br>"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "### YNAB Income vs Expense Report\n",
+    "\n",
+    "![YNAB Income Expense Report](images/ynab-income-exp-1024x691.png)"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "<br>\n",
+    "\n",
+    "----------\n",
+    "<br>"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "### YNAB Spending Report\n",
+    "\n",
+    "![YNAB Spending Report](images/ynab-spending-1024x720.png)\n"
+   ]
   }
  ],
  "metadata": {

fire-101/financial-planning.ipynb

@@ -13,12 +13,19 @@
    "source": [
     "# Become financially independent\n",
     " \n",
-    "## 4% and 25 times rules"
+    "## 4% and 25 times rules\n",
+    "\n",
+    "| Annual Spending | Retirement Stash Needed |\n",
+    "| :-------   | :-------   |\n",
+    "| $\\$$25,000 | $\\$$625,000 |\n",
+    "| $\\$$50,000 | $\\$$1,250,000 |\n",
+    "| $\\$$100,000 | $\\$$2,500,000 |\n",
+    "| $\\$$150,000 | $\\$$3,750,000 |"
    ]
   },
   {
    "cell_type": "code",
-   "execution_count": 1,
+   "execution_count": 5,
    "metadata": {
     "editable": true,
     "scrolled": true,
@@ -39,7 +46,7 @@
   },
   {
    "cell_type": "code",
-   "execution_count": 3,
+   "execution_count": 6,
    "metadata": {
     "editable": true,
     "slideshow": {
@@ -195,7 +202,7 @@
   },
   {
    "cell_type": "code",
-   "execution_count": 4,
+   "execution_count": 7,
    "metadata": {
     "editable": true,
     "slideshow": {
@@ -209,15 +216,15 @@
     {
      "data": {
       "application/vnd.jupyter.widget-view+json": {
-       "model_id": "1623b20923414f278ad256f12f72ebda",
+       "model_id": "b9eb64b13faf417e8be9acb155186552",
        "version_major": 2,
        "version_minor": 0
       },
       "text/plain": [
        "VBox(children=(interactive(children=(IntText(value=4, description='Rate of return on investments:', style=Desc…"
       ]
      },
-     "execution_count": 4,
+     "execution_count": 7,
      "metadata": {},
      "output_type": "execute_result"
     }
@@ -268,7 +275,13 @@
   },
   {
    "cell_type": "markdown",
-   "metadata": {},
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
    "source": [
     "<br>\n",
     "\n",
@@ -312,7 +325,13 @@
   {
    "cell_type": "code",
    "execution_count": null,
-   "metadata": {},
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
    "outputs": [],
    "source": []
   }

fire-101/investing.ipynb

@@ -52,23 +52,52 @@
     "tags": []
    },
    "source": [
-    " ## Investing options\n",
-    " ### Standard investment options\n",
+    "## Investing options\n",
+    " \n",
+    "### Standard investment options\n",
     " - Savings\n",
     " - Money Market\n",
     " - Certificate of Deposit (CD)\n",
+    " - High Yield Savings Accounts (HYSA)\n",
     " - Bonds\n",
     " - Stocks (Index Funds)\n",
     " - Real estate\n",
     " \n",
-    " ### Speculation (risky investments)\n",
+    "### Speculation (risky investments)\n",
     "  - Lottery\n",
     "  - CryptoCurrency\n",
     "  - Individual stocks\n",
     "    - Meme stocks (Gamestop)\n",
-    "    - Stock options\n",
-    "  \n",
-    " ### How & where to invest (keep it simple)\n",
+    "    - Stock options"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "<br>\n",
+    "\n",
+    "----------\n",
+    "<br>"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "### How & where to invest (keep it simple)\n",
     " * Company investments\n",
     "     * **401K**\n",
     "     * Employee Stock Purchase Plans\n",
@@ -83,8 +112,35 @@
     "     * traditional & roth IRAs (tax benefits)\n",
     "     * actively managed funds (beware)\n",
     "     * Robo advisers (automated allocation and diversification offered by many online brokers)\n",
-    " * Certified Financial Planner (CFP)\n",
-    " \n",
+    " * Certified Financial Planner (CFP)"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "<br>\n",
+    "\n",
+    "----------\n",
+    "<br>"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
     "### Free money (Yes you heard that right)\n",
     " * Company benefits\n",
     "     * 401k matching\n",
@@ -122,7 +178,7 @@
     "tags": []
    },
    "source": [
-    " ## Investing strategies\n",
+    "## Investing strategies\n",
     " - Diversify\n",
     " - Low or no fee index funds\n",
     " - Be wary of investment advisers\n",
@@ -149,6 +205,99 @@
     "----------\n",
     "<br>"
    ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "### S&P 500 Invest $\\$$100, 1957-2023\n",
+    "If you invested $\\$$100 in the S&P 500 at the beginning of 1957, you would have about $\\$$72,148.05 at the end of 2023, assuming you reinvested all dividends. This is a return on investment of 72,048.05%, or 10.32% per year.\n",
+    "\n",
+    "This lump-sum investment beats inflation during this period for an inflation-adjusted return of about 6,553.58% cumulatively, or 6.47% per year.\n",
+    "\n",
+    "![S&P 500 Historic Returns](images/100-sp500.png)"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "<br>\n",
+    "\n",
+    "----------\n",
+    "<br>"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "### S&P 500 Historic Chart\n",
+    "\n",
+    "![S&P 500 Historic Chart](images/sp-500-historical-chart-data-2024-05-30-macrotrends.png)"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "<br>\n",
+    "\n",
+    "----------\n",
+    "<br>"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "source": [
+    "### S&P 500 Historic Annual Returns\n",
+    "\n",
+    "![S&P 500 Historic Annual Returns](images/sp-500-historical-annual-returns-2024-05-30-macrotrends.png)"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "metadata": {
+    "editable": true,
+    "slideshow": {
+     "slide_type": ""
+    },
+    "tags": []
+   },
+   "outputs": [],
+   "source": []
   }
  ],
  "metadata": {