Overall

In October, our net worth decreased $1,027.38 to a total of $491,231.66 (see spreadsheet screenshot).  Almost all the reduction was due to the stock market performance.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 10% to my 401(k) and 5% to my wife’s 401(k).  My company matches up to $1,000 per year (vested over five years).  My wife’s company matches up to 5% of her 401(K) contribution and chips in an additional 5% on top of the match (both 100% vested when deposited).  This month, we contributed $680.99 to my 401(k).  My wife contributed $500.00 to her 401(k) and her company deposited another $1,000.00 into her 401(k) for her 5% match and 5% extra “chip in”.   The total balance of our retirement accounts decreased $2,003.47 from last month to a total of $192,671.63.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s old company) that went down $48.71 this month.  Our balance is $123.29 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month.  This month our cash and savings accounts decreased $197.63, bringing the total to $4,688.54.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it decreased $248.51 from last month to a total balance of $16,055.12.  We also contributed $0 to our daughter’s 529 Plan and it decreased $121.00 last month to a total balance of $7,796.51.

Home

We use the $528K purchase price that we paid in July 2016 for our home value.  Current comps in the area are ~$530K.  The current balance of our 15-year, 2.85% mortgage loan is $258,574.30.  We paid $100 extra towards principal this month.

Cars

My wife has a company vehicle and I have a 2012 sedan with 60K miles.  Our loan balance is $11,692.65 at 1.99%.  We are also carrying a small $706.48 loan balance (3.29%) on a vehicle that we sold in August 2016.

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.