Overall

June was another great month.  Our net worth increased $12,043.24 from last month to a total of $577,606.67 (see spreadsheet screenshot).  We passed our $570K net worth milestones this month.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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, my wife contributed $507.50 to her 401(k) and her company deposited another $1,015.00 into her 401(k) for her 5% match and 5% extra “chip in”.   We contribute 4% to my 401(k).  My company matches up to 4% of my 401(k) and deposits the match around March (100% vested when deposited).   This month, I contributed $269.36 to my 401(k).   The total balance of our retirement accounts increased $3,999.07 from last month to a total of $239,102.83.

Brokerage Account

Currently, our brokerage account consists of two stocks and a small cash balance.  The total current value of the stocks and cash is $491.40.

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.  Due to the purchase of a new vehicle, our cash and savings accounts decreased $3,595.63 this month, bringing the total to $13,713.59.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $190.47 from last month to a total balance of $19,257.36.  We contributed $50 to our daughter’s 529 Plan and it increased $97.33 from last month to a total balance of $9,819.31.

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 $244,461.01.  We paid $200 extra towards principal this month.

Cars

My wife started a new job this month and had to turn in her old company car.  For her new job, we purchased a full-size SUV that will be paid for by her auto allowance and used to tow our future boat.  My wife’s 2017 SUV has 7,000 miles.  Her new company gives her $300/month and $0.53/mile reimbursement. The loan balance on my wife’s car is $50,011.47 at 2.79%. I have a 2012 sedan with 78K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $10,201.02 at 1.99%.

Credit Card Balance

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

Overall

May was another good month.  In fact, every month so far this year has been very good. Our net worth increased $8,195.90 from last month to a total of $565,564.43 (see spreadsheet screenshot).  We passed our $560K net worth milestones this month.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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, my wife contributed $507.50 to her 401(k) and her company deposited another $1,015.00 into her 401(k) for her 5% match and 5% extra “chip in”.   We contribute 4% to my 401(k).  My company matches up to 4% of my 401(k) and deposits the match around March (100% vested when deposited).   This month, I contributed $238.46 to my 401(k).   The total balance of our retirement accounts increased $4,665.65 from last month to a total of $235,103.76.

Brokerage Account

Currently, our brokerage account consists of two stocks and a small cash balance.  The total current value of the stocks and cash is $494.13.

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 increased $1,756.10, bringing the total to $17,309.22.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $252.09 from last month to a total balance of $19,066.89.  We also contributed $0 to our daughter’s 529 Plan and it increased $128.82 from last month to a total balance of $9,721.98.

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 $245,858.74.  We paid $150 extra towards principal this month.

Cars

My wife has a company vehicle (and gas card) and I have a 2012 sedan with 75K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $10,389.66 at 1.99%.

Credit Card Balance

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

Overall

April was a very good month. Our net worth increased $9,497.74 from last month to a total of $557,368.53 (see spreadsheet screenshot).  We passed our $550K net worth milestones this month and nearly made it to $560K.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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).  I just started a new job and am not yet eligible for my company’s 401(k) plan.  My wife contributed $507.50 to her 401(k) and her company deposited another $1,015.00 into her 401(k) for her 5% match and 5% extra “chip in”.   The total balance of our retirement accounts increased $5,900.69 from last month to a total of $230,438.11.

Brokerage Account

Currently, our brokerage account consists of $500 cash and one stock (my wife’s old company) valued at $11.93 (on a $2,000.00 in initial investment).  We are moving a little cash into our brokerage account as we are able to with the intent to make a purchase when the market dips again.

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 increased $1,852.83, bringing the total to $15,553.12.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $224.08 from last month to a total balance of $18,814.82.  We also contributed $0 to our daughter’s 529 Plan and it increased $114.52 from last month to a total balance of $9,593.16.

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 $247,203.25.  We paid $150 extra towards principal this month.

Cars

My wife has a company vehicle (and gas card) and I have a 2012 sedan with 70K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $10,578.58 at 1.99%.

Credit Card Balance

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

Overall

March was an AWESOME month. Our net worth increased $19,709.83 from last month to a total of $548,870.79 (see spreadsheet screenshot).  We passed our $530K and $540K net worth milestones this month.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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).  I just started a new job and am not yet eligible for my company’s 401(k) plan.  My wife contributed $1,373.75 to her 401(k) and her company deposited another $2,747.50 into her 401(k) for her 5% match and 5% extra “chip in”.   The total balance of our retirement accounts increased $2,824.08 from last month to a total of $225,537.42.

Brokerage Account

Currently, our brokerage account consists of $500 cash and one stock (my wife’s old company) valued at $11.43 (on a $2,000.00 in initial investment).  We are moving a little cash into our brokerage account as we are able to with the intent to make a purchase when the market dips again.

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 increased $12,844.15, bringing the total to $13,700.29.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $500 to our son’s 529 Plan and it increased $269.38 from last month to a total balance of $18,590.72.  We also contributed $500 to our daughter’s 529 Plan and it increased $384.43 from last month to a total balance of $9,478.64.

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 $248,544.55.  We paid $1,950 extra towards principal this month.

Cars

My wife has a company vehicle (and gas card) and I have a 2012 sedan with 65K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $10,766.03 at 1.99%.

Credit Card Balance

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

Overall

February was a very good month. Our net worth increased $8,724.58 from last month to a total of $529,160.96 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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).  I just started a new job and am not yet eligible for my company’s 401(k) plan.  My wife contributed $500 to her 401(k) and her company deposited another $1,000 into her 401(k) for her 5% match and 5% extra “chip in”.   The total balance of our retirement accounts increased $8,706.40 from last month to a total of $222,713.34.

Brokerage Account

Currently, our brokerage account consists of $200 cash and one stock (my wife’s old company) valued at $14.93 (on a $2,000.00 in initial investment).  This stock is going to zero L

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 $2,698.58, bringing the total to $856.14.  Kind of scary, I know, but we will be refilling our savings next month with bonus money.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $926.76 from last month to a total balance of $18,321.34.  We also contributed $0 to our daughter’s 529 Plan and it increased $461.08 from last month to a total balance of $9,094.21.

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 $251,678.34.  We paid $100 extra towards principal this month.

Cars

My wife has a company vehicle (and gas card) and I have a 2012 sedan with 60K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $10,948.41 at 1.99%.

Credit Card Balance

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

NOTE: I am posting our January net worth update early because I will be busy training at my new job next week🙂

Overall

2017 got off to a pretty good start.  We saw awesome gains in the market but the were offset a bit by pulling cash from savings.  In January, our net worth increased $3,007.34 from last month to a total of $520,437.98 (see spreadsheet screenshot).  It was great to pass our net worth milestone of $520K this month.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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).  My wife contributed $500 to her 401(k) and her company deposited another $1,000 into her 401(k) for her 5% match and 5% extra “chip in”.   The total balance of our retirement accounts increased $6,081.81 from last month to a total of $214,006.94.

Brokerage Account

Currently, our brokerage account consists of $200 cash and one stock (my wife’s old company) valued at $27.84 (on a $2,000.00 in initial investment).  YeahL

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 $4,870.92, bringing the total to $3,554.72.  We pulled money out to pay for some water damage in our home and do a roof repair.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $92.68 from last month to a total balance of $17,394.58.  We also contributed $0 to our daughter’s 529 Plan and it increased $46.11 from last month to a total balance of $8,633.13.

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 $252,959.06.  We paid $100 extra towards principal this month.

Cars

My wife has a company vehicle (and gas card) and I have a 2012 sedan with 60K miles.  The loan balance on my car is $11,138.31 at 1.99%.

Credit Card Balance

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

Overall

We ended the year really strong!  In December, our net worth increased $17,361.40 to a total of $517,430.64 (see spreadsheet screenshot).  My wife knocked it out of the park, scoring a large $17,325 quarterly bonus ($10,152.65 net).  Huge blessing!  With the bonus, were were able to put $4,880 into savings, made an extra mortgage payment to principal of $1,900, contributed $400 total to our kids 529 Plans, tithed $1,700, and kept the remainder as a cushion in our checking account.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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).  My wife contributed $1,616.25 to her 401(k) and her company deposited another $3,232.50 into her 401(k) for her 5% match and 5% extra “chip in”.   The total balance of our retirement accounts increased $8,172.17 from last month to a total of $207,925.13.   We blew passed $200K total retirement savings this month!

Brokerage Account

Currently, our brokerage account consists of $100 cash and one stock (my wife’s old company) valued at $36.17 (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 increased $4,884.56, bringing the total to $8,425.64.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $150 to our son’s 529 Plan and it increased $609.30 from last month to a total balance of $17,301.90.  We also contributed $250 to our daughter’s 529 Plan and it increased $480.12 last month to a total balance of $8,587.02.

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 $254,236.72.  We paid $1,900 extra towards principal this month.

Cars

My wife has a company vehicle and I have a 2012 sedan with 60K miles.  Our loan balance on my car is $11, 322.39 at 1.99%.

Credit Card Balance

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

Overall

In November, our net worth increased $8,837.58 to a total of $500,069.24 (see spreadsheet screenshot).  Nice to have a solid month, considering we’re just on one income after I lost my job last month.  We passed the net worth milestone of $500K this month!

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 5% to my wife’s 401(k).  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).  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”.   I rolled my 401(k) over to my traditional IRA at Vanguard. The total balance of our retirement accounts increased $7,081.33 from last month to a total of $199,752.96.   I hope we can pass $200K in our retirement accounts next month.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s old company) that went down $70.72 this month.  Our balance is $52.57 on a $2,000.00 in initial investment.  Almost worth nothing.  Lol!

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.  We pulled cash out of savings to pay off a ~$700 auto loan balance on a vehicle that we sold a few months ago and ~$400 to cover some bills.  This month our cash and savings accounts decreased $1,147.46, bringing the total to $3,541.08.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $637.48 from last month to a total balance of $16,692.60.  We also contributed $0 to our daughter’s 529 Plan and it increased $310.39 last month to a total balance of $8,106.90.

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 $257,307.03.  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 on my car is $11,511.14 at 1.99%.  We also paid off 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.

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.

Overall

In September, our net worth increased $3,400.08 to a total of $492,259.04 (see spreadsheet screenshot).   The increase can from retirement savings contributions and paying down debt.  The biggest

surprise this month was to learn on 9/28/16 that my company is laying off my team and our final day is 10/3/16.  I will receive 3 weeks severance, ~7 days cashed out PTO, and a final bonus check of ~$2,400 gross.

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 $400 to my 401(k).  My wife contributed $732.10 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 increased $3,021.08 from last month to a total of $194,675.10.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s old company) that went down $34.32 this month.  Our balance is $172.00on a $2,000.00 in initial investment.  Riding this one straight to the bottom!

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 $2,595.64, bringing the total to $4,886.17.  We used $2,000 as a downpayment for a new (used) car.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $69.43 from last month to a total balance of $16,303.63.  We also contributed $0 to our daughter’s 529 Plan and it increased $13.15 over last month to a total balance of $7,917.51.

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 $259,838.54.  We paid $0 extra towards principal this month.  Even so, it was amazing to see how much of our first payment went towards principal ($1,161.46 of our $1,786.77 mortgage payment).

Cars

My wife and I both have company vehicles.  I lose my company vehicle on 10/3, so we purchased a used sedan with 60K miles for $12,500 plus tax and fees.  We put $2K down and are financing $11,692.65 for 60 months at 1.99%.  We are also carrying a small $1,164.18 loan balance (3.29%) on a vehicle that we sold in August 2016.  We don’t mind paying the $3.06 in interest this month to keep more cash on hand.

Credit Card Balance

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