Welcome to my income report for November 2021

In November, I have earned $632.17 passively in total. Less than in the previous month.

What Happened In November

End Of Stonks

In November SP Index declined by 0.006%.

There was another huge correction at the end of November. It seems to me, that market has corrections every single month. There is no month you could just sit back and relax. No. There is always some news or even slightly stupid reasons to dip, to take profits.

November dip was special in many ways. Everything went smooth until the 26th. The market went up for a straight month and everyone thought the party never ends.

Well wrong. I was among the crowd, who rode the wave and got stuck with some heavy bags. I got the first warning a week before when my stonks position went suddenly into the red. Which was quite unexpected. All companies announced more than good earnings and there was no apparent reason.

I blamed the new tax bill and hence profit-taking before year-end. So nothing serious, everyone should buy the dip after the new year, right? Maybe.

Seeing a sea of red, my hunch told me to clean up positions. But I didn’t. I believed in a good earning season, I believed in Santa rally. I had the same feeling many times over the span of two weeks. Had I realized losses immediately, I could avoid what came next.

Well, right now the situation is worse. The whole small-cap segment dipped by higher teens numbers. And no one knows why. Most high valued stonks, that rallied in the past two years just lost 40 or more %. Could it be hedge funds who, either took profits or started to short the market? Who knows.

While large caps made new ATH. Does it make sense? If not counting Tesla and Apple, we would be in a bear market right now. Most new investors are probably in the same pickle. They had never seen anything like that before.

I see some similarities with the 2000 dot com bubble when high growth stocks fell like a rock. It is a matter of time before the rest of the segments catch up with growth stocks.

So, my conclusion is to be ruthless and cut losses, and choose only stonks with proven revenue, likable products and be ready to bag hold for years.

Got My Wax

Yep, they got me. I had no choice, or did I?

It took the government only a few months to take all my rights away. First, they make it appear, that everything is voluntary, and no one will be pressured in any way.

Now, look what happened six months later. You cannot go to the cinema, you cannot go to the gym, you cannot sit in a restaurant. Sure, I can live without eating in a restaurant or going to the cinema. I found more healthy and cheaper ways to eat and relax.

But when they stripped me of the possibility to take care of my health, it got serious. Yes, I survived a year without a gym, replaced weights with resistance bands, and kept myself fit with half marathon training.

But it is not the same. The body needs heavyweights or another type of high-intensity training to produce growth hormone, which is vital for keeping me from getting Alzheimer’s after fifty.

So I had to choose between having potential long-term physical issues from untested vax or having both long-term physical and mental issues later on from not exercising. Which one sounds better?

If I get cancer from wearing respirators or some health issues from vax, then I can blame others. If I get dementia at 60 and have regrets about not doing what I love, then I can only blame myself. What is worse?

To me, albeit both are my choices, the first option seems to have a better risk to reward ratio. I don’t care if my choice would be perceived as sheepish, I did it because of my family and because of myself.

So with an upcoming announcement, that tests won’t be valid anymore, only vax certificates, I didn’t hesitate for too long and went all in. Even then I had two weeks gap during which I could not exercise because it takes a month to be fully vaxed.

I can tell ya. While I saved so much time by not going to the gym, and I could sit at the computer longer. I felt miserable. Yes, I was more productive, I was less exhausted, but I was not happy.

Getting wax has its cons too. The first pump was ok, with only mild pain in the shoulder. But the second pump got me into my knees. Even 5Kg shoulder press was impossible.

In both cases, my recovery rate plummeted. I felt how my blood cells literally clog my veins. I felt like a robot, that suffers from corrosion, who cannot move because of how tendons are glued together.

We will see what side effects come next, five or twenty years from now.

Starting A Family FOMO

I am officially the only person left in my same age-bracket social circle, who has not started a family yet. It sounds weird and sad at the same time.

While I would swear to never have kids 10 years ago because I went through raising my bro since I was 15, and because I was not well financially. I didn’t want to struggle as my parents did.

Now the situation is different and my perception changed with how I changed my life values. Having loved ones close to you is more important than being free traveling the world alone. The idea of growing old alone in a help-care center waiting for the clock to tick off is kinda scary.

Maybe I just got old, tired, and realistic, but it is how it is. Add in heavy pressure both from my parents and relatives and I have a lot to think about.

Now I think having a family is not a burden anymore. When you have someone by your side, who shares the same values, financial struggles are manageable, if not unimportant. My parents are not compatible so growing in a separated family gave me wrong projections.

Having kids also does not mean sacrificing your hobbies or dreams, it just means it will take longer. Given the key assumption, that you have someone, who will stand by your side.

And there is the catch.

Most people don’t realize it, but those who met their soulmates were incredibly lucky. They were at right time at the right place. What are the odds, that you meet someone, who you have chemistry with, who shares the same values? Very slim.

And in today’s world, it goes straight to zero with all the social media giving girls access to the top 5%. The rest has to fight for the bottom 15%, who have some flaws in one way or another.

It’s a losing proposition.

I, unfortunately, threw away all my chances to start a family and with growing age, it’s harder to meet someone, who is not divorced or doesn’t have kids. Plus the interracial thing, that limits my dating pool even further.

The only way out is to look elsewhere. Go back to Vietnam and try my luck there. I don’t see a light at the end of the tunnel if I stay in Czechia, there is no future for me.

Live projects

The Hustle App

In November, I continued to use The Hustle every day. The big refactoring project is still on hold.

Good House Music

At the time of writing this post, my Good House Music Youtube Channel grew to 342 subscribers. A 5.2% increase over the previous month. I have uploaded 5 DJ mixes and only 4 new single tracks. The most viewed track recorded 127 views.

I was pretty happy with how consistent I was this month. I could achieve consistency by revamping my production workflow.

Instead of mixing labels focused sets, I just mix whatever I feel like that day. There is a lot more spontaneity and fun. And it takes significantly less time.

I don’t curate and pre-analyze tracks anymore. I just let it flow and mix on the fly. And I am not afraid of messing up the set anymore. Of course, if I forget, that track is ending or if I mix in the wrong deck, then the mix is ruined, and I have to start over. But I don’t spend 5+ hours crafting mixes beforehand anymore.

I also simplified single-track visuals. Previously inspired by big music channels with hired graphic artists, I too wanted to have unique catchy backgrounds. But I could never achieve the same look with stock photos and some basic editing in Photoshop.

It consumed a lot of energy and time to find the image and edit it into the render. Now it takes me only one hour to prepare 7 renders. Whiles, previously I felt frustrated with not having catchy graphics and spent 3 hours in total.

I will keep uploading till I reach 269 uploads, then we will see if it is going anywhere.

Personal Youtube Channel #1

In the previous month, I posted 1 new video on my personal Youtube channel.

I will keep uploading till I reach 246 uploads, then we will see if it is going anywhere.

Personal Youtube Channel #2

In the previous month, I posted 1 new video on my personal Youtube channel.

I will keep uploading till I reach 30 uploads, then we will see if it is going anywhere.


I got 4 new customers. Yay! I am so grateful for every single subscription I get. It motivates me to keep it alive.

I was in full development mode through November. The further I got into this new feature, the more I begin to doubt its usefulness and usability.

I guess as I overcame the intellectual challenge, tried new technology, applied it to real-world use cases. My passion for productization fizzled because it is not exactly an easy-to-maintain, totally passive service.

There is manual work involved to keep it running correctly. So right now I have a half-baked PoC done. And I have to integrate it into the existing web structure, which is a tedious process because you have to think about a lot of stuff, that goes into UX and automation.

But I won’t give up and I will finish this feature before year’s end, so I can devote my time to other dev projects I have in mind.

Income Report Breakdown

For charts and numbers, click on my new Open page

P2P Lending

I am still keeping a few dollars on my account with an Autotrader turned on.

Savings Accounts

Right now, I still keep a small portion of money in savings accounts to cover my living expenses.

I expect another round of rate hikes next month. Which would be great if it would beat inflation. But it is not.

Inflation is way bigger, like 3 times bigger, so I am thinking seriously about TIPS bonds. Anti-inflation-protected bonds, that the Czech government offers to its citizens.

Yield is almost as high as a passive investment into index funds and the interest is not taxed, a perfect vehicle to withstand the inflation storm. The con is poor liquidity and complex initial setup, I guess I have no choice but to go with it.

Stock Investing

Already covered above.

Used Stuff Sales

My path to life minimalism went well in the previous month. I have sold a gaming mouse, broken headphones, and an SSD disk, the fewer material things I own, the more freedom I get.

Plans, dreams, and wishes

My goals for December are the following. Keep creating content, work on Financia features and enjoy Christmas with loved ones!

That would be it. Thank you so much for following me on this journey and see you in the next report.

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