As we approach the run to the end of the year, I thought it might be a good time to look back at my goals at the start of the year, review progress and see what has changed. Those that were here at the start of the year might remember a post topic put out by 
My first goal for 2021 (not really a financial goal, but sort of) is to enjoy the ride.
Well I can certainly say that 2021 has been quite a ride. The Bull market we have had overall this year has been a great learning experience. I joined crypto, and my first two years where heavy bear markets. This year has been a lot of fun. Having said that, there have obviously been ups and downs, and I'm ending the year facing uncertain times. My crypto portfolio is healthy, but there have obviously been mistakes along the way. My biggest personal uncertainty currently isn't around crypto, it is in my fiat life. My employment is uncertain, as I am facing up to the reality of "no-jab no-job". I'm still undecided, but regardless of whether I get the vax or not, I am philosophically opposed to having it enforced upon me by my employer.
My wife has left her job (working for the same company) and we are in the process of setting up a new small business. This is challenging, but also an exciting new chapter for us. I've been looking to build up my crypto income, to give myself the option to leave the fiat job at the end of January 2022 if I choose to (that's my deadline to be fully vaxxed).
So, overall I can say this year has definitely been one I have enjoyed in crypto, but less so in the fiat world. Ending the year in a positive space, but with much fiat uncertainty.
My second goal for 2021 is to build assets with a 5 year horizon to position for early retirement from my fiat job.
I've been accelerating my 5 year horizon, as I feel I need to be ready to escape the fiat world much sooner. Over the year, I've made some moves that I think have pushed this plan forward, but also some big mistakes. My biggest slip up this year was definitely exiting Splinterlands. That move has cost me a lot, in terms of asset values and also income opportunities. But I'm back in the game, rebuilding a card deck and planning ahead to grow once the Chaos Legion arrives.
Other than that, I'm also regretting my lack of involvement in Thorchain. I had a nice position early in the year, but have made decisions and changes that dwindled my position. In the end, I exited, always with a plan to get back in to Thorchain LP's for the long term. That has not happened yet, but is something I still plan to build for the long term.
The move that has worked out best for me has been getting heavily involved in Osmosis. I have the largest portion of my crypto assets now on that platform, spread across a number of LP positions. This has been a successful move, and one that is still working really well for me. This platform didn't even exist at the start of the year, so it wasn't in any of my plans or goals. One thing I have learnt in crypto is to be flexible, and to be able to jump in to new opportunities as they present. Osmosis has definitely been my biggest success this year so far.
My third financial goal for 2021 is to clear the last of my fiat debt, and enjoy a debt free life for a while.
This one I nearly achieved, but then went backwards a little. Around the middle of the year, I did pay down most of my debts to almost zero. Since then however I have prioritized holding and building crypto assets over debt reduction. I easily have the crypto funds to clear all my debts, but I have chosen to keep them invested and earning returns that are much higher than the interest I'm paying on the debt.
This one is definitely achievable this year, if I choose to cash out a little and swap some crypto back in to fiat. I will likely do that at some point soon, in order to reduce my fiat living expenses in case I leave my job.
Overall, this goal is definitely 100% achievable, thanks entirely to crypto. If I didn't have crypto funds to back me finances up, I'd be pushing a shit-cart-uphill to get this goal achieved.
At the start of the year, I posted out these price predictions:
HIVE - $2
LEO - $10
BTC - $100,000
ETH - $10,000
RUNE - $100
Lets see my thoughts now:
Still in play I think. If November and December see the bull market running, HIVE could easily be swept up in that, and pulled up to or beyond $2. Overall, I think this year has been a good one for HIVE, we have seen the explosion of Splinterlands, and steady progress of the platform overall. Definitely $2 Hive is possible, depending on the overall market moves, and some random crazy pumps as have occurred recently.
Doubtful. The LEO token has had a mixed year. I think that while overall the Cub platform has been a great addition to the eco-system, in some ways it has stifled Leofinance in the short term. I am a strong believer that LEO will perform very well in the coming months and years, but perhaps $10 was a little optimistic. In my defense, It did run up over $1 earlier in the year, with a lot of momentum, but now it's up to us to get that momentum back. Maybe next year for $10 LEO.
I think this is definitely still in play. Bitcoin is hovering around 63K currently, and very close to ATH. The majority of analysis I have seen is calling for moves up over the rest of the year. I rate this probably my best chance of all of these predicitons.
Probably looking unlikely, but you never know. Currently around ATH, but I think that high GAS costs will limit its growth over the short term. Hard to see it hitting 10K, but not completely out of the question if the end of the year turns insanely bullish. More likely next year I think, or whenever the Merge happens and hopefully GAS drops to somewhere that us normies can actually use the chain.
This one is a tough call. If it had not been for the hacks and issues they have had, who knows where this could have gone. It isn't out of the question, RUNE is highly likely to perform well in a bull run. The main key will be no more security issues. If that happens, and adoption of the platform continues to grow, $100 is still on the table I think. I'm sure 
So there you have it, a review of my goals for this year, and some predictions.
How are you all travelling with your targets? Are you happy with the year, and have achieved (or are you likely to achieve) what you set out to this year?
Let me know, or post your own review.
Cheers,
JK.
