Check in: Net worth, $612k ($457k)

 Current net worth: $457,000 CHF or $612,000 CAD  

6 months ago I was at $539k, now an increase of $73k (largely from house sale). 

Upcoming expenses till 1 July 2021: 

My monthly living expenses have really gone down. They are hovering at around $2000/month. $2000 x 3 months = $6000 
Our costs abroad: 

Daycare $800/month

Nanny $250/month

Cook $250/month

Driver $250/month 

Subtotal = $1550/month 

My half of the above =  $775/month 

Food and other things, $500/month 

Rent (my half)- $928

Health insurance (my half) - $240

Trip to Canada (to see grandparents): $3100
Trip to Switzerland (to see grandparents): $6000

Total: $15100 

Upcoming income (till 1 July 2021): 

Job 1: $64000 I'm currently working 5 days a week and a bit more. The work pace is fine and I have a good set up. I need to put more boundaries in place between work and home so I'm not sitting at my desk when I don't need to be. 

Job 2: $0 Probably not much, I don't see myself working very much and the licensing costs will eat up any money made.  

Job 3: $1000 Doing some additional side work here and there. 

Still waiting on: (I am leaving this out because I have no idea when this will come through)

$15000 from proof of tax return - my employer is inexplicably holding back $15k on proof of my final tax return. This is a very strange business model especially since I have already given them proof that I have to pay taxes as per many clear email conversations with the cantonal government. Anyways we managed to scratch this condition out of the new contract. 

Total: $65,000  

Total increase in NW = $49,900 CHF or $66,848 CAD

Expected net worth July 1, 2021: still around $520,000 CHF or $697,000 CAD 

If I can get that $15,000 owing to me this will be even higher, $530k. That is still fine with me. No change from prior, no news really. Still hoping to get to $1m CAD, or $1m CHF (stretch goal) by the time I am 40; and then up to $8m net worth by the time I retire with at least $2-3m in retirement savings. 

Right now less than 30% of this is in home equity / pension, the rest is in liquid cash or ETFs. 

This trajectory was boosted by the sale of a house. How much can I make next year? Well, I'll have about 150 days guaranteed, so $118,000 of income tax free. Expenses will hover at $34000. So I'll be able to save still maybe 80k or so, bringing net worth to 600k (or 800k CAD) by the time I am 36. I will really need to ramp this up if I want to hit $1m by 40. 

Investing while abroad and unable to access my accounts has been tricky; I need to do better at taking advantage of the times we go back to Canada. I did manage to thankfully open an investment account which allowed me to take advantage of some of the excellent stock market performance (a modest amount but still!). I just need to plow a lot more of the liquid I have into ETFs, maybe put another $70k in there when I go back (getting it up to $130k). 

The strategy has not changed:  
1. Better investing - get on top of this again. How do I do this while not in Switzerland? 
2. Find a full-time job in public health - UN agency, consultancy, or university
3. (back-up) learn German, then work as a doctor