Overall

March was a positive month our net worth.  Our net worth increased $38,737.10 from last month to a total of $2,248,819.29 (see spreadsheet screenshot). 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 8% to her 401(k) and her company matches 4%, while also chipping in an additional 6% (lump sum) every March (the extra 6%, $19,014.22, was just deposited into her account). Her 401(k) contribution increases by 1% automatically in March every year (just increased from 7% to 8%).  This month, she contributed $5119.64 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 $9,513.64 from last month to a total of $1,088,800.46.

HSA Account

This is a new addition to our net worth tracking.  We plan to pull from this bucket for health related expenses once my Wife retires. Her company contributes $2,000 annually and we contribute $125 each paycheck.  The total current value of the HSA accounts is $2,667.64.

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 $413,028.47 up $23,563.91 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 increased $11,399.56 this month to a total of $25,263.18.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $500 to our son’s 529 Plan and it decreased $4,619.03 from last month to a total balance of $97,682.68.  We contributed $500 to our daughter’s 529 Plan and it decreased $3,172.32 from last month to a total balance of $70,139.98.  Our total 2026 contributions so far are $900 for our son and $900 for our daughter (2026 goal is $4,750 in contributions for each child).

Children’s Roth IRAs

We just opened Roth IRAs through Fidelity for our two kids.  This month, we contributed $1,050 to our son’s Roth IRA and it decreased to $1,049.84.  We contributed $1,050 to our daughter’s 529 Plan and it decreased to $1,049.99.  We will be custodian until our kids turn 18 years old, then the accounts will be transferred into their names.

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$922K.  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 (~115K miles on odometer) that we own (no auto loan).  My wife gets a new company car next month and it’s a nice one (she receives a better selection of vehicles after her promotion).

Credit Card Balance

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

Overall

February was another down month our net worth.  Our net worth decreased $96,992.14 from last month to a total of $2,210,082.19 (see spreadsheet screenshot). 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 7% (just went up 1% this month) to her 401(k) and her company matches 4% and chips in an additional 6% at the end of the year.  Her 401(k) contribution increases by 1% automatically in March every year.  This month, she contributed $1,281.36 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 decreased $51,402.3 from last month to a total of $1,079,286.82.

HSA Account

This is a new addition to our net worth tracking.  We plan to pull from this bucket for health related expenses once my Wife retires. Her company contributes $2,000 annually and we contribute $125 each paycheck.  The total current value of the HSA accounts is $2,502.62.

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 $389,464.56, down $50,988.81 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 increased $3,338.66 this month to a total of $13,863.62.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $300 to our son’s 529 Plan and it decreased $181.68 from last month to a total balance of $102,301.71.  We contributed $300 to our daughter’s 529 Plan and it decreased $45.14 from last month to a total balance of $73,312.30.  Our total 2026 contributions so far are $400 for our son and $400 for our daughter.

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$910K.  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 (~115K miles on odometer) that we own (no auto loan).  My wife gets a new company car next month and it’s a nice one (she receives a better selection of vehicles after her promotion).

Credit Card Balance

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

Overall

January was a down month our net worth.  Our net worth decreased $81,253.64 from last month to a total of $2,307,074.33 (see spreadsheet screenshot).  Kinda a rocky start to the year, unfortunately.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 7% (just went up 1% this month) to her 401(k) and her company matches 4% and chips in an additional 6% at the end of the year.  Her 401(k) contribution increases by 1% automatically in March every year.  This month, she contributed $1,281.36 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 decreased $66,230.75 from last month to a total of $1,130,688.95.

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 $440,453.37, down $15,872.03 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 increased $170.91 this month to a total of $10,524.96.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $100 to our son’s 529 Plan and it increased $505.80 from last month to a total balance of $102,483.39.  We contributed $100 to our daughter’s 529 Plan and it increased $390.27 from last month to a total balance of $73,357.44.  Our total 2026 contributions so far are $100 for our son and $100 for our daughter.

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$905K.  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 (~110K miles on odometer) that we own (no auto loan). 

Credit Card Balance

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

Overall

December was a pretty neutral month our net worth.  Our net worth increased $9,218.10 from last month to a total of $2,388,327.97 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 7% (just went up 1% this month) to her 401(k) and her company matches 4% and chips in an additional 6% at the end of the year.  Her 401(k) contribution increases by 1% automatically in March every year.  This month, she contributed $1,932.61 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 decreased $9,167.38 from last month to a total of $1,196,919.70.

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 $456,325.40, up $12,341.01 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 increased $4,537.35 this month to a total of $10,354.05.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $182 to our son’s 529 Plan and it increased $976.48 from last month to a total balance of $101,977.59.  We contributed $182 to our daughter’s 529 Plan and it increased $750.68 from last month to a total balance of $72,967.17.  We hit our goal of contributing $4,500 to our son’s 529 plan and $4,500 to our daughter’s 529 plan!

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$900K.  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 (~110K miles on odometer) that we own (no auto loan). 

Credit Card Balance

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

Overall

November was a rough month for our net worth.  Our net worth decreased $271,721.93 from last month to a total of $2,379,109.87 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 7% (just went up 1% this month) to her 401(k) and her company matches 4% and chips in an additional 6% at the end of the year.  Her 401(k) contribution increases by 1% automatically in March every year.  This month, she contributed $1,281.36 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 decreased $137,638.87 from last month to a total of $1,206,087.08.

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 $443,984.39, down $133,340.22 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 $1,263.47 this month to a total of $5,816.70.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $165 to our son’s 529 Plan and it increased $405.58 from last month to a total balance of $101,001.11.  We contributed $165 to our daughter’s 529 Plan and it increased $337.31 from last month to a total balance of $72,216.49.  Our total 2025 contributions so far are $4,318 for our son and $4,318 for our daughter.

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$905K.  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 (~110K miles on odometer) that we own (no auto loan). 

Credit Card Balance

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

Overall

October was not a great month for our net worth.  Our net worth decreased $88,412.31 from last month to a total of $2,650,831.80 (see spreadsheet screenshot).  

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 7% (just went up 1% this month) 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 $1,281.36 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 decreased $47,942.02 from last month to a total of $1,343,725.95.

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 $577,324.61, down $41,326.29 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 $2,846.18.08 this month to a total of $7,080.17.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $165 to our son’s 529 Plan and it increased $2,290.23 from last month to a total balance of $100,595.53.  We contributed $165 to our daughter’s 529 Plan and it increased $1,636.46 from last month to a total balance of $71,879.18.  Our total 2025 contributions so far are $4,153 for our son and $4,153 for our daughter.

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$911K.  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 (~110K miles on odometer) that we own (no auto loan). 

Credit Card Balance

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

We just passed our net worth milestones of $2,820,000 and 2,830,000! Our net worth is currently $2,837,855. We passed our last net worth milestone of $2,810,000 a couple of days ago. We hope to reach our next milestone of $2,840,000 by next month (or maybe in a few days at this pace lol). I will update our net worth goal tracker (upper right-hand corner of our website) at the end of the month.

We just passed our net worth milestones of $2,800,000 and 2,810,000! Our net worth is currently $2,812,488.53. We passed our last net worth milestone of $2,790,000 yesterday. We hope to reach our next milestone of $2,820,000 by next month. I will update our net worth goal tracker (upper right-hand corner of our website) at the end of the month.

We just passed our net worth milestones of $2,760,000 and 2,790,000! Our net worth is currently $2,791,754.78. We passed our last net worth milestone of $2,750,000 in July. We hope to reach our next milestone of $2,800,000 by next month. I will update our net worth goal tracker (upper right-hand corner of our website) at the end of the month.

Overall

September was a great month for our net worth.  Our net worth increased $128,105.35 from last month to a total of $2,739,244.11 (see spreadsheet screenshot).  

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  My Wife contributes 7% (just went up 1% this month) 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 $2,422.61 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 $82,388.36 from last month to a total of $1,391,667.87.

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 $618,650.90, up $34,551.02 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 increased $4,830.08 this month to a total of $9,926.35.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $165 to our son’s 529 Plan and it increased $3,773.64 from last month to a total balance of $98,305.30.  We contributed $165 to our daughter’s 529 Plan and it increased $2,789.03 from last month to a total balance of $70,242.72.  Our total 2025 contributions so far are $3,988 for our son and $3,988 for our daughter.

Home                                                      

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$911K.  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 (~110K miles on odometer) that we own (no auto loan). 

Credit Card Balance

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