Hello Ladies and Gentlemen Yolo Funny

The YOLO Report 2020

Howdy everybody!

What a ride!

I guess we all went through quite a year. Welcome to my very special sixth YOLO report. 2020 is over, and I am now 33,53390892 years one-time.

For the people reading this for the kickoff time, I've always been a quantified-self freak, and equally an end-of-year ritual, I similar to assemble everything I tracked during the previous year, reflect on this, and try to utilise it to loosely plan my next year.

Merely why? Why do I like to runway stuff? Where does this all come from? Actually, I've never actually thought near it nor tried to rationalize this. Let'southward try a little chip beneath in the "Why this Year-in-Review Report?" role of this report.

If you're interested in doing the same, yous can jump to the finish of this article to learn more about my process.

Why YOLO y'all might ask yourself? YOLO stands for YOann LOpez.

YOLO has get one of my nicknames with my colleagues and friends.

Why this Year-in-Review Report?

For some people, I'm simply a freak, for others, this report can exist a source of inspiration, and for some other population, this is but a fun affair to read.

Every bit far every bit I'g concerned, taking a pace back and looking at what I've done in a yr is some kind of self-therapy and a practiced style to see what went amiss, what went well, and how I tin can amend…well…my life.

But why? Why tracking things similar that? The written report really came way later than my habit to tracking stuff. So allow's endeavor to first from there.

I call back it all started after I got tired of beingness a little chip overweight when I was something like 14/xv years one-time, and I decided to take care of my weight and diet. To be honest, I got a little bit obsessed with my weight, and my calories intake. This is when I started to track what I was eating, and my weight obsessively. Well, that'due south what you can really call an eating disorder (by the style, if you are experiencing some eating disorders, y'all speak French, and you're looking for some help, check Amapola, an amazing service launched past a groovy friend).

Anyhow, these trackings led to another, and some other, and some other… My eating disorder slowly faded abroad, simply my dearest and obsession for tracking stuff remained. In a healthier way though. Today it'south more out of marvel, and to build better habits rather than for being a control freak. The YOLO report was born.

I could go along this to myself but putting it in front of the entire world is (i) a way for me to feel some peer pressure, therefore, to try to achieve my goals (ii) maybe inspire others to do the same thing, and (iii) just for fun.

Please remember that there are as many ways of doing this as there are Homo Beings. You lot could just write what you lot read, where you lot've been, focus on the new people you met, etc.

Do whatever you lot desire to look at your life from a different angle. It's likewise easy to forget almost all the things happening to you.

We are hither to drinkable beer. Nosotros are here to kill war. Nosotros are hither to laugh at the odds and alive our lives and then well that decease volition tremble to take u.s.a.. — Charles Bukowski

What's new this year?

A new section dedicated to Entrepreneurship.
A new section well-nigh big changes showcasing the drastic changes in my life: Large Moves ⛰
I volition use some amazing pictures from the bang-up article of the New York Times 2020 — Year in Pictures to illustrate this YOLO report.

Table of Content

Large Moves ⛰
Friends & Family 👫
Sports/Physical activities/Health 🏋️‍♀️
Weight
running 🏃
Walking + Running 🚶‍♂️
Sleep 😴
Workouts 💪
DNA 🧬
Tracking my Digital Life 🧑‍💻
Books 📚
Travels 🗺
Movies and TV Shows 📺
iPhone Screen at The Cease of The Twelvemonth 📱
Podcasts 📻
Side Projects 📝
Music 🎶
Articles of The Year 📰
My Key Learnings in 2020 💡
My Personal Finance 💰
Entrepreneurship 🏗
Random Stuff 🎲
My 2020 Objectives 🔙
My 2021 Objectives 🔮
How to Write Your Ain Year in Review

Big moves ⛰

I quit my task equally a full-time employee at Comet in August.
I launched my own venture: Snowball. Today a bullshit-free personal finance newsletter. Tomorrow a full-fledged wealth management production.
I bought my get-go edifice with 2 friends.

Friends & Family 👫

Circles painted on the grass at Domino Park in Williamsburg helped people spend time outdoors while staying socially distanced from others. Hilary Swift for The New York Times

Hither is the related OKR:

Despite the COVID pandemic, I actually saw my parents and friends more than oftentimes than in 2019. Maybe the pandemic actually got some people closer than before because of the lack of other more than mundane relationships.

I saw my parents 3 times compared to ii in 2019.
I saw my friends in the South of France style more than frequently. Maybe because we started a huge project together (ownership a building on the French Riviera).
I actually managed to go on a trip with my peachy friends from Comet (my previous company) last summer in the South West of France near Arcachon.
I managed to see my Parisian friends way more often than usual.

I believe this year brought a ameliorate balance betwixt piece of work, and friends & family. Probably considering I accept more freedom to do whatsoever I wanna do.

I'd like to proceed this pace for adjacent year.

Sports, Concrete Activities & Health 🏋️‍♀️

Place de la Concorde was empty in what would unremarkably have been the forenoon rush hr as France entered lockdown. Andrea Mantovani for The New York Times. This image illustrates well well-nigh of my run in March, April, and May 2020.

This is actually where it all started. I mean my passion for tracking things. As I said earlier information technology all started with tracking the food I ate (not anymore), and my exercises. Working for Withings, an IoT visitor specialized in helping people to track, and improve their health, got me fifty-fifty deeper into the topic. My first YOLO Report back in 2015 was actually written when I was working for Withings.

Weight 𐄷

It's funny how I lost weight during lockdowns while nigh people gained weight. Probably because I lost my appetite since I wasn't moving a lot. I as well have a tendency to lose weight around the end of the year and gain weight during summers. 🤷‍♀️
At the get-go of the year I was around 58 kilograms: 👇

And at the end of the twelvemonth around 60 kilograms: 👇

I gained some weight during the commencement lockdown betwixt mid-March and mid-May. I actually started to lose some weight right before the end of the lockdown. Possibly just thinking about freedom, made me lose weight: 👇

Here'south my weight graph for the past (almost) ix years. My weight keeps being stable even though at that place'south a slight upwards trend in 2020 probably due to less concrete activity due to the COVID-xix. Merely information technology's barely visible.

I'd still like to reach a "healthier" weight of 62 to 63 kilograms by being more physically active in 2021. Permit's hope we'll get to motility a bit more than in 2020…

running 🏃

Well… How to say that? It was a disaster. I was supposed to run 12 half-marathons, just COVID got in the eye! I focused on the (way shorter) 5k because the first lockdown discouraged me to run longer runs.

I ran 96 times. It's actually 21 % less than in 2019 (121 times).
I ran a total of about 484 kilometers or shut to 57.five % less than in 2019 (1,140 km). Information technology's the equivalent of a Paris — Lyon vs. Paris to Florence in 2019

I ran a total of 43 hours or less than ii days compared to 110 hours in 2019. That's a staggering drop of 60 %!
My fastest run was exactly the aforementioned every bit last yr: a 5k in 23 minutes. 👇

My most active months were April, May, October, and November with 60 kilometers each. In 2019, my most active month was June with 190 kilometers.
My least active month was August with only fifteen kilometers run, the month I went on vacation. Last twelvemonth, my least agile month was the month of May (the month when I went on vacation).
I burnt about 29,000 calories this year compared to near fourscore,000 last year (64 % less). The equivalent of 398 donuts last twelvemonth, and only 144 this i. 😭 👇

This year I changed my habits by running after in my days as the year goes by: 👇

compared to 2019. 👇

Walking + Running 🚶‍♂️

In 2020, I walked and run a total of iii,345,848 steps (thirty % less than in 2019) or two,125 kilometers (29 % less than 2019). The COVID effect once once again. This is almost equal to a walk from Paris to Tallinn compared to a Paris — Moscow last year. 👇

This year, compared to last year, I walked way more than during the evenings. Probably because I did not walk to work (remote piece of work + my switch to the freelancing life). This year. 👇

terminal twelvemonth. 👇

My daily boilerplate number of steps for 2020: 9,319 vs. 13,080 in 2019. Effectually 29% fewer steps per day.
My nearly active month this twelvemonth (not surprisingly) was a pre-COVID month: January 2020. 👇

Once again, not surprisingly, the least active month of the year was during our strict lockdown in April with an average of four,767 compared to ix,319 for the yearly average. 👇

The twenty-four hour period I walked the most was on the 19th of August during my holidays with 28,951 steps.

Sleep 😴

I slept around 2,355 hours or 98 days. Exactly like in 2019.
I slept an average of 196 hours per month.

My sleep quality looks similar the stock market. It crashed at the kickoff of the year and increased around the starting time of the summer.👇

The COVID actually disturbed my habits including the fourth dimension I went to bed. Because my routines were disturbed (no need to wake up early, no need to become out…) I went to bed quite after than usual in 2020. Especially during the first lockdown: 👇

I also woke style style way later in 2020. Remote work or freelancing= more time to sleep and to arrange your solar day equally you desire. ;) 👇

Going to bed afterwards + sleeping later on in the morn = non that much more slumber. A flake more than final twelvemonth, merely non significant:

It took me mode more than time in 2020 to fall comatose compared to other years. More than stress?👇

If you expect at the average fourth dimension to autumn asleep per day you can meet that the difference is actually not that big compared to the previous yr. 2020: 👇

and 2019: 👇

I judge it'south also linked to less physical activity. If yous're less active, you're less tired, it takes more time to fall asleep. Logical.

If you look at the fourth dimension when I wake up yous can encounter that on average I woke up style later, but if you expect closer, it'southward not that large of a deviation (15 more minutes in 2020 on average). 2020: 👇

Vs. 2019: 👇

Workouts 💪

Since 2019, my routine is pretty uncomplicated. 3 times a calendar week I practice:

100 abs.
100 situps.
100 pull-ups.

Therefore I did final year around:

fifteen,600 abs.
15,600 situps.
15,600 pull-ups.

I decided to go to the gym in order to have access to a free-weight area, but once again, COVID struck, gyms closed, I went to the gym like ten times in 2020.

In my 2020 OKRs, I planned to exercise 260 times (runs + workouts). I reached shut to 95 % of my objective with 246 runs + workouts (average of 5 days per week).

DNA 🧬

In 2018 I did a Deoxyribonucleic acid examination with 23andme in New York Metropolis (mainly because they take the health part in the US while it's forbidden for them to sell it in French republic.). In 2019 they updated my results with more than accuracy. In 2020 they did the same.
I lost ane more percentage of my European Dna. I'grand now basically 48.6 % European (mainly Southern Europe), and 51.4 % Western Asian & North African (Iranian, Caucasian, and Mesopotamian).

For a reminder here are the ones from 2018 and 2019, side by side with the 2020 one.

Here'southward my ancestry timeline updated as well, where I learned that I probably have a sixth or seventh-bang-up-grandparent who was 100% British & Irish!

It means that:

Ane of my grandparents was 100% from Islamic republic of iran or the region. Probably 100% Armenian equally my mother's name is Aydjian (the names ending in "ian" are usually Armenian). They were born between 1900 and 1960 (for sure the parents of my mom who were Armenian).
One of my grandparents was 100% Iberian (probably the parents of my dad or not bad grandparents who were Spanish: Lopez).

Here'southward the updated map of my relatives all around the globe

What'south absurd about 23andme (and probably other services like information technology), is that you can connect with your relatives and talk to them through the 23andme'southward platform. It'south really amazing to see how nosotros're all connected all over the globe. That's when yous realize that I discover it really stupid to fight over state-related issues like borders, resource…OK I fall a petty chip into a unlike topic only think virtually that a flake more thoroughly.

My Neanderthal Ancestry

This hasn't changed since last year then I'll only copy-paste what I wrote in 2018.

As you probably already know, We, the Man Sapiens Species, used to live with another species of humans (in the genus Human): the Neanderthal. Unfortunately for them, it's really likely that we exterminated them because of our better ability to communicate and coordinate as a group (certainly through the nascence of Culture, rituals, etc.), which helped us to build better strategies to conquer new territories and kill these rivals. But, considering some Man Sapiens and Neanderthal were probably good people willing to make dearest, not state of war, the two species had some babies together, that's why nosotros however find some Neanderthal variants in our Dna. If you want to learn more about this read the volume Sapiens: a cursory history of humankind. I apologize to my scientific friends if I made some mistakes.

Thanks to 23andme, I learned that I have 250 variants which is a smaller number than 80% of 23andme customers.

Here's my health written report:

Here's my traits:

Here are my wellness predispositions:

And my carrier condition:

Tracking my Digital Life 💻

In a pandemic-proof interview, the comedian Jerry Seinfeld spoke from his abode quarantine well-nigh his new stand-up special and the futurity of one-act. "I'm not in the mood to be funny," he said. Daniel Arnold for The New York Times

In 2020, just like this journalist interviewing Jerry Seinfeld through FaceTime, we all turned our heads to the net in order to go through this yr. Remote work, zoom parties, Amazon deliveries, or video games became an even bigger role of our lives. You can truly come across that on my 2020 report.

Once once more…the COVID effect. I spent iii,487 hours online in 2020 compared to 3,024 hours in 2019! Staggering. I thought information technology was a lot in 2019... That's 15 % more than the previous year. three,487 hours is equal to shut to 145 unabridged days. I spent 145 days online!
I spent 1,897 hours on my laptop (79 days), and one,590 hours on my iPhone (66 days).

According to Rescue Fourth dimension, I spent a total of 789 productive hours online, but information technology's not exactly true equally the categorization is not perfect. 👇

Some highlights:

356 hours reading and writing emails in Superhuman (15 days). That's 58% more than than in 2019 (225 hours).

I spent 226 hours or 9.5 days in Substack to write Snowball (more than about that afterward). Some data is missing starting in November equally I move from snowball.substack.com to snowball.xyz. 👇

I spent 161 hours on Linkedin or eight % more in 2019 (149 hours). 👇

I spent 138 hours on Google Spreadsheet or 35 % more than in 2019 (102 hours). 👇

I kinda replaced Google Documents with Notion (partially). I spent 50 hours on Google Docs compared to 115 hours final year, but I spent sixty hours on Notion.👇

I spent 42 hours on Apple Note compared to 52 hours in 2019 (20 % less). Maybe because I was less on the get and took notes on Notion instead (I take more notes on Notes by Apple when I'g non on my figurer).👇

I spent only 71 hours on Slack compared to 195 hours in 2019. That's 64 % less. Once again it'due south due to less activity at work + the fact that I quit Comet in Baronial 2020. 👇

A new entry this year: Google Run into and Zoom. I spent 36 hours on Google Encounter (1.five days), and 21 hours on Zoom with way more activity during the first lockdown in Bound 2020:👇

Books 📚

Here are the related OKRs I set terminal year:

As you lot tin can see, I'g lagging behind my objectives. A lot. I read even fewer books than last twelvemonth. 😞

I read 10books compared to 12 last year. A 17% subtract
3,284 pages read. 1.4% less than in 2019. This ways that the books I read were much longer than last year. Information technology equals 8.ix pages per twenty-four hour period (compared to 9 last twelvemonth). Past simply reading 10 more pages per day (possibly 15 minutes more per day), I would have read almost 20 books, and I would have reached my goal of thirty books past reading near thirty pages per day!
Here'southward the list of all the books I read:

My favorite books this year were:

→ non-fiction:

Morgan Housel is an American venture capitalist with a passion for personal finance. This book is truly amazing and does a swell job at instruction you lot why money is so important. Not money for the sake of money, but money as a way to buy your hereafter freedom. I actually wrote two unabridged editions (in French) of my newsletter Snowball based on this book. You can find this book here.

→ Fiction

One time over again I did not read many fictions this twelvemonth… I don't know why but I have a existent hard fourth dimension to spend fourth dimension on this. It feels similar I am wasting my time past doing so… But I know it's non actually the case! I know that you can learn a lot by reading fictions and novels. I don't know… A psychological barrier probably. I should work on this, just I take no idea how. Anyway, out of the two fictions, I read this year (😅) my favorite was:

Funny matter. I read this book a 2d time this twelvemonth without realizing it as I read it a 2nd time in French. This book is not extremely well-rated, but I found it really amazing. This is the story of jealousy, obsession, and what we lose when someone y'all love goes abroad. Yous tin can purchase it here in French or here in English.

Other facts about books this year:

The shortest book was The Possession with 62 pages.
The longest volume was Churchill: a Life with 1,088 pages.
The average book length this year was 328 pages compared to 278 pages in 2019.

Travels 🗺

A adult female wearing medical scrubs, a protective mask and a face shield traveled on a virtually empty subway railroad train in the Far Rockaway neighborhood as subway ridership plunged. Jonah Markowitz for The New York Times

In one case again, the COVID pandemic hit my travel habits quite hard in 2020. for the kickoff time since I was 16, I did not take a commercial airplane once! This is the first time in 17 years that I did not go out the European soil once in a year! I did non even call back about that earlier writing this report!

Despite the limitations nosotros've experienced in 2020, I was still able to find at least ten new cities.

I visited only two other countries outside of French republic: Switzerland and Frg compared to five in 2019. A drop of 40 %.
I explored 10 new cities in France, Germany, and Switzerland: Strasbourg 🇫🇷, Arcachon 🇫🇷, Metz 🇫🇷, Cochem 🇩🇪, Munich 🇩🇪, Neuchâtel 🇨🇭, Fussen 🇩🇪, Rothenburg 🇩🇪, Bremen 🇩🇪, and Reims 🇫🇷.

Movies and TV Shows 🎬

A drive-in movie in San Antonio. During the pandemic, the drive-in theater, a low-tech vestige of another era, emerged across the country equally a pop pastime. Christopher Lee for The New York Times

My favorite flick was: A Ghost Story

2020 was a movie twelvemonth! My consumption of movies exploded compared to other years. Thanks, COVID!

I saw style more entertaining movies this year like The Gentlemen, which was astonishing, or Tenet, which I loved every bit well, but A Ghost Story was a actually touching moving-picture show where space, time, and emotions are intertwined in such a poetic way.

My favorite documentary was: Hold-upwards

NOOOOOOOOOO I'm kidding 🙃. If you're not French, Hold-up is a hilarious conspirational French documentary. It's more than than two and a half hours of (almost) pure b******t.

No, my favorite documentary was: My Octopus Teacher

I did non lookout man a lot of documentaries in 2020. I remember I but watched one really, and that was My Octopus Teacher. I'chiliad an octopus fanboy so I'grand a flake biased, but I actually enjoyed watching this documentary, which is more a story than a real scientific documentary in my opinion. Anyway, if you similar these very intelligent animals, go watch this entertaining documentary.

Movies' Data

I watched 35 movies in 2020 (66% more than in 2019).
Nigh 64 hours or 2.6 days (52% more than than in 2019).
Not surprisingly (lockdown), March was the month I watched the nigh movies: 7.
Here'due south the complete listing (Exercise Non Lookout man JUMANJI: THE Side by side LEVEL)

TV Shows 📺

My favorite TV bear witness was (again an Apple tree Original):

Why? (OK, I haven't finished Dickinson nonetheless, but still, I know it's my favorite Tv show of the year):

I love the music (Hip Hop, RNB, sugariness melodies… Very eclectic)
The characters are peachy
Information technology's full of anachronism, which gives a certain taste to this Goggle box Testify
It'due south smart and witty

My iPhone Home Screen at the Cease of the Year 📱

Some noticeable things

The personal finance app family is getting bigger!
Welcome Lemonade (little referral link if you need a new great habitation insurance).
Goodbye-farewell Overcast. I've been listening to way fewer podcasts in 2020.
Good day-bye Notion. I dear Notion, but I observe the Apple Notes app style faster to use when you're on the become.

Podcasts 📻

I listened to very few podcasts this year (probably considering I ran less frequently, as I'g listening to podcasts mostly when I run). Here'south the listing:

Generation Do Information technology Yourself → A french podcast mainly covering French entrepreneurs.
La Martingale → A french podcast well-nigh personal finance and especially how to invest your coin.
Transfert → Some other French podcast nearly amazing stories from random people.
Making Sense → A great podcast about the complexity of the homo mind.

Side Projects 📝

Here are the related OKR:

OK it's getting complicated. I added Snowball along the way, later writing these OKRs because I actually started this side project in February 2020. I won't talk almost it here but information technology'due south the new "entrepreneurship" section of my YOLO Report.

I successfully launched a new side project, which became my total-time project: Snowball, my new personal finance venture.
Thanks to Snowball, and Behind the Pall (where I build Snowball in public), I wrote 85 articles this year. That's vii per month.

I did not touch Happenstance or Unmakr this year either :(. I still love those two projects so here's a reminder:

Happenstance

Sarah Marga and I launched Happenstance on Product Hunt (Check information technology out here) at the beginning of 2016. But similar in 2017, 2018, and 2019, the project is still on hold as we need to automate everything. We have a waiting listing of more five,000 people at present. I'chiliad sure it could be a great service. I simply need to devote more fourth dimension and money to this projection.

Since 2016 the tech landscape has tremendously evolved. More and more no-code tools have seen the light and I'm sure we could automate this service through 1 of these tools.

Just a reminder near what is happenstance:

We created happenstance because nosotros wanted to see new interesting people, with no other purpose than sharing thoughts, ideas, and life experience. Nosotros had that burning want to expand our globe, and to find the lives and adventures of other people we don't know yet. Although internet is pretty neat for finding jobs, dates, and old friends, there is no service that would allow usa to meet some random people, who are evidently absurd and curious just similar y'all (and usa).

With Happenstance, we want to allow everyone to see someone new and different, simply all the same kind of similar. Maybe a teacher from Nihon, or a student in Europe, or a traveler in Asia, or a journalist from Africa, or a gardener, or a dentist, or an archeologist, or a professional gamer, or…well you become it.

Unmakr

Unmakr is all the same alive. Kinou (AKA Christophe) and I started a project called Unmakr where we pick our favorite iconic objects and we tear them apart to find their guts. Last year nosotros did not do anything. You can notwithstanding follow united states on medium or on Instagram.

One style I'd like to make this project evolve is to also interview a product manager, project manager, or programmer who'southward worked on the product we're unmaking, and to acquire a bit more virtually what happened behind the drapery.

Music 🎶

It seems like (just similar last yr) I felt like a teenager in 2020…

I listened to threescore,952 minutes of music or 34% than in 2019! Probably the COVID effect once again (beingness stuck at home and listening to music on my Alexa).
My top artist was Pomme. I'm part of the 0.05% elevation fans. Wow!
Here'due south the playlist of my top songs of the yr 2020.
Since 2016 I track my music by creating monthly playlists. Every time I like a song a lot I add it to my playlist. You can discover all of them on my Spotify profile:

Articles of The Year 📰

Washington, February. vi President Trump holding up a re-create of The Washington Post to show its banner headline almost his acquittal in the Senate impeachment trial. Anna Moneymaker/The New York Times

Here'south the related OKR:

As you lot can see, I kinda fail my objective to read 365 articles in i year. I read "just" 146 articles. But! I probably read more than 365 newsletters and I did not count them. Indeed I basically switched my reading habits from manufactures to newsletters. I'll probably change these OKRs for next twelvemonth in social club to reverberate this change.

But still, out of those 146 articles, my favorite ones were:

Business organization:

The Bus Ticket Theory of Genius: once once again, the neat Paul Graham is part of this list. This article written in late 2019 is about obsession and entrepreneurship. On how obsessions can sometimes help y'all build nifty things, and sometimes
Being a Noob: on why it's good to feel stupid sometimes. By Graham one time again.
Tech Nations: Welcome to Apple: "The tech giants accept equally much money and influence as nations. Then what if we reported on them similar countries? What would Apple be? A liberal China…"
1,000 True Fans? Try 100: i of the manufactures that actually pushed me to go all-in into edifice Snowball. "More than a decade ago, Wired editor Kevin Kelly wrote an essay called "ane,000 True Fans," predicting that the internet would allow large swaths of people to brand a living off their creations, whether an artist, musician, author, or entrepreneur. Rather than pursuing widespread celebrity, he argued, creators just needed to engage a modest base of "true fans" — those who will "buy anything y'all produce" — to the tune of $100 per fan, per year (for a total annual income of $100,000)."

Others:

The Way I Ate: a great story by The New Yorker virtually eating disorders. "Diet is a foreign word, used to depict both a deviation from the norm and the norm itself: the foods that make up a 24-hour interval, a week, a lifetime. From the beginning, my diet was a large role of my story, even the one that others told virtually me. "All babies like rice cereal," my mother volition say. "But you didn't." In the high chair, I would tighten my lips and turn abroad. When I was ii, at the first preschool parent-teacher conference, they told my mother, "Susan never eats snack."

My Primal Learnings in 2020 💡

During 2020 I read some books, articles, listened to some podcasts and audiobooks. Each time I ran into some swell quotes, ideas, concepts, I wrote them down in a Annotation binder on my iPhone. At present it'southward time for me to share them with the earth as some of them might be useful for you.

My Personal Finance 💰

This department has a special gustatory modality for me as it'southward the reason why I started my new company: Snowball. Indeed, after publishing my YOLO Report 2019, and adding for the outset time a personal finance part, I received dozens of questions from friends and strangers regarding investing issues. That's where the idea to write about personal finance started.

Here'southward the related OKR for this yr.

I did quite well this twelvemonth equally well.

I managed to save around €ane,400 per calendar month except for a couple of months.
2 of my friends and I bought a building in the South of France in a city chosen Frejus. If you're a Snowball Premium member you lot can read all the details near this purchase here.
Just like I did in 2018, and 2019, I wanted to purchase some vehicles to hire them on the car rental platform Getaround. I wanted to purchase three vehicles, but considering of COVID, I managed to buy simply one: a Renault Clio from 2016.

Breakdown

Here'due south the breakdown of my spendings and revenues:

Some stuff to highlight:

The savings part is wrong. I messed up and did not count information technology well. Information technology should be closer to €15k and not €10K.
For those wondering what acquittal is, it'southward money I put on the side for stuff I know I will supplant. For instance, when I buy an iPhone, I put around 60€ per month on the side considering I know that I'll sell my iPhone for most 600€ in 1 year and getting a new one will cost me around 1,200€, and if I accept more money because I sold my previous iPhone for more than €600, I just use it every bit an insurance if I break my phone. The possibility to create vaults with Revolut is a great feature for this usage:

Contrary to terminal year, I spent more money on groceries than on restaurants. I spent €two,531 on restaurants (including deliveries) compared to €3,194 concluding yr. That's a 21% subtract. I spent €ii,755 on groceries in 2020 compared to €two,393 in 2019 (a fifteen% increase). #CovidEffect
Bills and rents are still the biggest sources of greenbacks burn: €nine,238 for rent (22% less than in 2019), and €seven,076 on bills (-0.5%).
I spent "only" €one,202 at confined compared to €1,592 in 2019. That'southward a 25% subtract thank you to lockdowns.

Investments

It's funny that this twelvemonth, this passion of mine: investing & wealth direction actually became my total-time job. A lot of people think that I like money just for the sake of money, just I like coin because I love to build stuff and to build stuff that can accept an touch on on social club y'all need money and fourth dimension. Investing is a way non just to make your coin grow simply most importantly to buy you fourth dimension in the hereafter. Here'south the recap of my year regarding my investments. What did I invest in?

Public Stocks
Managed fund
Individual Equity
Real-manor
Cars and trucks
Crypto
Art

In Dec 2019, my net worth was around €34,655:

€26,410 in stocks (stock picking). This portfolio at the end of final year was up 136% from €xv,652 in January 2019.
€three,245 in a managed fund.
€5,000 in a startup investment

In March, my portfolio crashed to around €14k. I bought more stocks.

Stocks

By June, my portfolio on Binck jumped to more than than €40,000, and around €20,000 on other platforms. Here are the details for Binck after I sold my positions because I wanted to start again (my portfolio was driven past Tesla, and Apple → unbalanced):

Hither'due south the detail of the portfolio before selling everything:

And then after being up by 136% at the finish of December 2019, my stock portfolio was up past 53% from Dec 2019 to June 2020.

I invested again in the stock market but slowly I invested around €10k in the stock market. I'm counting only new investments and not the money coming from the sale of my portfolio at the beginning of the summer. My portfolio gained around 12% in more or less iv months. I'thousand using trading 212 (here's a referral code thanks to which y'all tin get a free stock, and me besides), and Interactive Brokers to invest in the stock market (here's a referral code if you wish). Here are my different "diagrams" on Trading212

And the full value:

And on Interactive Brokers, one of the best brokers out there. (referral code if you want to get some free Interactive Brokers stocks):

I also have a PEA on Boursorama to invest in some ETFs (nonetheless small at the moment, I have only like €800 on it)

Managed fund

I use Yomoni (and before long Nalo besides) for an "assurance vie", and a PER.

That's a not bad product if you want to invest money without the hassle of picking stocks. Here's a referral code for Yomoni if you want, and hither for Nalo.

Crypto

My cryptocurrency portfolio exploded. I had something like less than €2k invested in 2019. I invested effectually €4,000 in 2020 and my portfolio is at present worth around €xv,560 → a 250% increment. I use Shrimpy to automate my crypto investments for the curious. Here's a referral code is you want. ;)

My strategy is uncomplicated: 70% Bitcoin et xxx% Ethereum with a rebalancing every 2 weeks.

Private disinterestedness

I notwithstanding have €five,000 invested in Comet.
I invested €1,000 in a new pocket-size side project called 1984 (more about that afterward).
I invested €1,000 in a beer company that I love: Brewdog.

Fine art

I have $5,000 invested in 2 artworks on Masterworks, a product allowing you to buy partial shares of paintings from bang-up masters (Warhol, Bastiat, Soulages…). Here's my portfolio:

$2,500 in a Pierre Soulages
$ii,500 in an Alex Katz

In December 2020 my net worth is €80,325 and then a 231% increment since December 2019 mainly driven by my stocks and cryptocurrencies portfolios + my savings. €55k already invested and €25k in greenbacks to invest. I invested a full of effectually €20k in 2020.

If you want to read more about my investment strategy you lot can read this gratis Snowball edition or that one if y'all're a Premium fellow member.

I besides bought a machine to rent on Getaround, but due to the COVID, I will probably starting time to rent it next year. If you want to learn more about this minor side project y'all can read this Premium edition of Snowball where I item how I rented ii trucks in 2017 and 2018 to generate a pocket-sized passive income.

Entrepreneurship 🏗

This is a new department of my YOLO Written report where I'll item what happened in my entrepreneurial life.

Snowball ❄️

In Feb 2020 I launched a small side projection: a personal finance newsletter in French. Hither it is if you lot're curious (and read French).

This newsletter speedily got some traction and became my total-time project in August.

The long term vision is to build a full-fledged product to help people manage and build their wealth. Wealth management for Humans in a nutshell. This is the first step.

Here are some central figures:

$84,000 of annual revenues
Close to 7k readers including 1,367 Premium members

€6,000 take been given back to Premium Readers (I am redistributing 20% of Snowball'southward revenues to paid members).
€6,000 for a charity that I created: Les Flocons that volition focus on young children's education.
71 editions of Snowball have been sent.
I wrote 291 881 words. Equally a comparison, the unabridged Harry Potter saga is composed of 1 084 170 words.
Snowball (costless + paid) it'due south a Calendar week over Week (WoW) growth of 4.84% or 20.eight% Month over Calendar month (MoM) growth. If you await at paid members it's a 7.12% WoW growth and a 31% MoM (higher numbers than the free version as it's an average and I started the paid version of Snowball subsequently than the free version).

If you want to follow Snowball you have some options available to you:

Subscribe to the free version of Snowball here 🇫🇷
Follow Snowball on Twitter here 🇫🇷
Follow Snowball on Linkedin hither🇫🇷
You can subscribe to Backside the Drapery, a complimentary newsletter where I build Snowball in public

Real-Estate

We launched a real estate visitor with 2 friends in order to buy apartments and buildings to rent them. In 2020 here's what happened:

Nosotros bought a 180sm building in Frejus for around €160k
Nosotros divided the building into 6 flats.
The idea is to rent the flats during the first semester of 2021.

I'll requite you more details in 2021.

1984 🧢

With some friends, we launched a small clothing company. We're notwithstanding very early but you tin can follow the start of this venture on Instagram hither.

Stay tuned in 2021. ;)

Kitchen Factory

With 2 friends we plan to purchase a pocket-size kitchen factory in Montpellier. The idea backside it is:

Meliorate operations.
Increase visibility and marketing.
Increment in output.
Increment offering.
To increment revenues.

Nosotros haven't bought information technology still, but are well into the process to close the deal in early 2021. More about that adjacent year! It'southward a very exciting project!

Random stuff 🎲

In 2020 I drank 218 liters of beer (- eight.5% compared to final year) the COVID did non take such a big impact on my drinking habits.
The month I drank the most beers: June with 29.v liters.
The calendar month I drank the least beers: March with 13.25 liters (lockdown).
I cutting my nails 35 times (+ six% compared to 2019) or one time every 10.4 days → 2020 has been a year where I've been less tired and less stressed, therefore I'1000 sure it has affected my overall health, and therefore of my nails' health. For some reason, I started to rail this weird matter, but I should read more about what's behind nails' growth and how it can be a proxy of your overall health (I go on proverb this every twelvemonth, and this twelvemonth is no exception).
My Codex Vitae or "book of life" is at present updated→ Yoann'southward Codex Vitae.

My 2020 Objectives 🔙

Allow's see what happens in 2020 regarding my personal OKRs:

Just similar concluding year, I completed but a fleck more than fifty% → 51.06% vs.51.38% in 2019. I've always been too optimistic.

I did quite well hither with a completion close to eighty%.
The simply thing where I failed was the creation of my rental automobile fleet. I but bought one out of my objective of 3 cars.

Here's the Renault Clio I bought late 2020

Fail!!! I planned to run 12 half-marathon simply managed to run only ane at the end of the year. Thanks, COVID.

A picture I took during my only half-marathon in Marseille.

I still managed to run pretty often. Mostly 5ks.

I think Key Consequence ane is faux. I ate more than meat than I thought.
I drank less than last twelvemonth but more than regularly. Cutting the daily beer at the cease of the solar day will be part of my routine next twelvemonth.
I decreased my social smoking habit, but it's nonetheless besides much.

My side projects took me a lot of time. I didn't find the time to draw more oft. :(

I did not read plenty books in my opinion.
I failed at the number of manufactures read, but I switched from reading articles to reading newsletters and then I'll have to take this into business relationship for my next year's OKRs.

Information technology'due south a fail hither besides. I did not find the fourth dimension to better these skills.

I did quite well here.

I launched new successful side projects but did not manage to enhance the projects I launched a few years ago. I'thousand non sure if I keep working on them or just kill them…

Clearly a success here.

Well…COVID…Merely here are some pictures of my trips in Germany, France, and Switzerland:

I got 2 new tattoos in 2020: a adult female on my left arm, and the wold from The Incredible Mr. Trick movie on my upper trunk.

My 2021 Objectives 🔮

Every bit I said before, I'll use the OKRs method to design, follow, and achieve my 2021 objectives. Some are short terms goals, others are long terms ones that will keep showing up year over yr (like financial independence for instance).

As a reminder, OKR stands for Objectives & Fundamental Results. Objectives should be ambitious and inspiring, they are what you desire to achieve. For case: Enhance your overall health. Key Results should be ambitious and measurable. They are the different things yous have to achieve to reach your objectives. For instance, in social club to enhance your overall health you'll accept to:

Exercise three times per week or 156 times a year
4 days/week without booze or 156 days cold turkey
etc.

You tin check, comment, or copy my OKRs spreadsheet if you want to do the same for yous. Here they are. Otherwise hither are the screenshots of my OKRs:

Those objectives are not set in stone. They're guidelines. A north Star. I can modify them whenever I want.

✨ BONUS — HOW TO WRITE YOUR OWN YEAR IN REVIEW ✨

Here's a quick guide on how I collect and write my year in review.

                                  YEAR IN REVIEW - HOW TO + APP I'M USING AND THEIR Toll $$                                1/ I use my iPhone 12 pro (€one,250), my Apple tree watch (€450), and my Macbook Pro (€ane,500) equally electronic devices.                2/ For tracking my weight I'grand using a Withings health calibration (€100) paired with the Gyroscope app (€60/year).                three/ For tracking my runs I use runkeeper go (€xxx/year) paired with Gyroscope.                4/ For tracking my sleep I use the Sleep Bicycle (free) app on my iPhone.                5/ For tracking the books I read, I'm using Goodreads (free). Which is as well great to save books you desire to read later on or discovering new ones + Gsheet.                vi/ For tracking my travels I apply gyroscope + Gsheet.                7/ For tracking the movies I watch, I'm using a uncomplicated Gsheet (free).                eight/ For tracking my TV testify, I'm using the Telly fourth dimension iPhone app (free).                9/ For tracking and listening to my podcasts, I'm using the Clouded iPhone app (free).                ten/ For tracking my music I'm using the Spotify yr in Review.                eleven/ For tracking my digital activeness (app/website usage on my mac), I'yard using Rescue Time (Paid + free) paired with Gyroscope.                12/ For tracking random stuff like my beer consumption I'grand using a simple Gsheett (gratuitous) that I'm filling out every mean solar day.                xiii/ For tracking my OKRs, I'g using a uncomplicated Gsheet (free).                xiv/ For tracking my personal finance I use a spreadsheet + the different platforms I'grand using to invest.                15/ At the end of December I gather all the data in a annotation saved on the Mac Notes app, so I start writing this medium article. It ordinarily takes me a week or ii to finish information technology.                16/ You can find more informations about my OKRs here.                17/ I did my DNA analysis through 23andme (nigh $200). You can get x% (and me $20) if you utilize this referral code.

If you have whatsoever questions, remarks, or just want to tell me what you thought about this, don't hesitate to shoot me an email at yo@yoann.co

Happy 2021 everybody ❤️.

Cheers for reading!

yingsthinvallover.blogspot.com

Source: https://medium.com/yo-lo/the-yolo-report-2020-504d0bb1c913