Overall

In November, our net worth increased $351,622.17 from last month to a total of $2,450,469.07 (see spreadsheet screenshot).  We passed our net worth milestones of $2,100K to $2,450K this month!  The huge gains were mainly due to our cryptocurrency holdings.  Amazing blessing!

Retirement Accounts                                                                                 

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 6% to her 401(k) and her company matches 4% and chips in an additional 6% at the end of the year.  Her 401(k) increases 1% automatically in March every year. This month, she contributed $1,022.76 to her 401(k).  I do not work and do not contribute to a retirement account any longer.  The total balance of our retirement accounts increased $183,147.76 from last month to a total of $1,153,725.26. We hold some bitcoin ETFs in our retirement accounts and those had great gains this month.

Brokerage Account

Currently, our brokerage accounts consist of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value of our brokerage accounts is $593,380.30, up $179,259.79 from last month.

Cash & Savings Account

Cash and savings accounts consist of a small sum of cash at home, our online savings accounts balance. It does not include our checking account balance that we use to pay our bills each month.  Our savings decreased $14,772.39 this month to a total of $9,458.88.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $2,493.03 from last month to a total balance of $82,995.96.   We contributed $0 to our daughter’s 529 Plan and it increased $1,744.73 from last month to a total balance of $58,084.12.  Our total 2024 contributions so far are $4,000 for our son and $4,000 for our daughter.  Our goal for the year was $8,000 total ($4K each) for our kids’ 529 Plans and we reached our goal with time to spare.

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$909K.  We paid off our home in September 2021.

Vehicles

My wife drives a company vehicle and has a company gas card.  I drive a 2017 SUV (~105K miles on odometer) that we own (no auto loan). 

Credit Card Balance

All of our credit card debt is paid in full each month.