I have $79.5K. I wanted to set public checkpoints, I'm doing so, using this journal format, I've got my reasons. They are simiar to everybody elses. Phase I: Mean monthly return of $3.75K, with a std dev of $5K Check Point I: Reach $192K. Phase II: Mean monthly return of 1.75%, with std dev of 2% Check Point II: Pay off my house. Phase III: Mean monthly return of 1.171%, with std dev of 0.846%, Figure out hw to charge and 20. CheckPoint III: Charge 2 and 20, putting up 1.171%/mo, at 0.846% std dev. Put in other terms, for the first phase, I want to make $45K per year, and every month will get continually get less risky. To me, too large of gain is just as bad of a sign, as is a large loss: it means I'm not following my rules. I am going to see how it goes, and do some math later, to see if I should tighten/loosen up the std deviations. Those might change, the means shouldn't. I don't know how often I will end up posting. I figure at least once a month.