A good start. It will be better in the future. Even in the next few months, because I keep building this. Cents by cents, if necessary (I often transfer $0.01 HBD to savings). My current plan is to build this in long term (for years and for decades). Hopefully I will get out of poverty in the next years/decades.
Happy New Year.
Have a nice day. All the best. Greetings and much love from Hungary.