Overall

As expected, March was a rough month for our net worth.  Our net worth decreased $38,837.58 from last month to a total of $765,419.53 (see spreadsheet screenshot). 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 8% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $1,938.55 to her 401(k) and her company deposited her annual match of $12,762.78.  We contribute 11% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $622.39 to my 401(k) and my company deposited my annual match of $3,175.09.  The total balance of our retirement accounts decreased $31,834.46 from last month to a total of $332,355.85.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $19,592.01, down $4,983.90 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and 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 $476.63 this month to a total of $10,990.58.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $750 to our son’s 529 Plan and it decreased $4,003.14 from last month to a total balance of $24,045.49.  We contributed $750 to our daughter’s 529 Plan and it decreased $1,891.23 from last month to a total balance of $14,711.24.

Home

We use the $528K purchase price that we paid in July 2016 for our home value.  Current comps in the area are ~$580K.  The current balance of our 15-year, 2.875% mortgage loan is $183,780.24.  We paid $2,100 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with ~80,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $29,218.01 at 2.79%. We paid $100 extra towards our auto loan principal this month.  We also have a ski boat with a loan balance of $47,606.57 at 5.24%. 

Credit Card Balance

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

Overall

February was a tough month for our net worth.  At one point during the month, we passed our net worth milestones of $850K.  By the end of February, our net worth had plummeted.  Our net worth decreased $42,828.74 from last month to a total of $804,257.11 (see spreadsheet screenshot). 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $847.84 to her 401(k).  We contribute 11% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $651.33 to my 401(k).  The total balance of our retirement accounts decreased $34,963.77 from last month to a total of $364.190.31.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $24,57591, up $513.58 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and our online savings accounts balance. It does not include our checking account balance that we use to pay our bills each month.  We had to dip into our savings again so it decreased $4,520.00 this month to a total of $10,513.95.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it decreased $3,451.07 from last month to a total balance of $28,048.63.  We contributed $0 to our daughter’s 529 Plan and it decreased $2,045.84 from last month to a total balance of $16,602.47.

Home

We use the $528K purchase price that we paid in July 2016 for our home value.  Current comps in the area are ~$580K.  The current balance of our 15-year, 2.875% mortgage loan is $187.218.47.  We paid $300 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with ~75,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $29,960.18 at 2.79%. We paid $100 extra towards our auto loan principal this month.  We also have a ski boat with a loan balance of $47,797.71 at 5.24%. 

Credit Card Balance

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

Overall
January was an amazing start to 2020! We were blessed to pass our net worth milestones of $830K and $840K this month. Our net worth increased $17,380.49 from last month to a total of $847,085.85 (see spreadsheet screenshot).

Retirement Accounts
Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs. We contribute 7% to my wife’s 401(k). My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $847.84 to her 401(k). We contribute 11% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited). This month, we contributed $984.88 to my 401(k). The total balance of our retirement accounts increased $12,897.13 from last month to a total of $399,154.08.

Brokerage Account
Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”). The total current value is $24,062.33, up $6,393.77 from last month.

Cash & Savings Account
Cash and savings accounts consists of a small sum of cash at home and our online savings accounts balance. It does not include our checking account balance that we use to pay our bills each month. We had to dip into our savings so it decreased $4,990.59 this month to a total of $15,033.95.

College Savings Accounts
Our kids have 529 Plans through Vanguard. This month, we contributed $100 to our son’s 529 Plan and it increased $940.09 from last month to a total balance of $31,499.70. We contributed $100 to our daughter’s 529 Plan and it increased $597.92 from last month to a total balance of $18,648.31.

Home
We use the $528K purchase price that we paid in July 2016 for our home value. Current comps in the area are ~$580K. The current balance of our 15-year, 2.875% mortgage loan is $188,852.78. We paid $300 extra towards our home mortgage principal this month.

Vehicles
My company provides me a vehicle and gas card. My wife has a 2017 SUV with ~70,000 miles. Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $30,675.13 at 2.79%. We paid $100 extra towards our auto loan principal this month. We also have a ski boat with a loan balance of $48,069.66 at 5.24%.

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

Overall

December was another HUGE month for our net worth.  Our net worth increased $29,555.75 from last month to a total of $829,705.36 (see spreadsheet screenshot).  We passed our net worth milestones of $810K and $820K in December!  We nearly passed $830K too!  What a great way to end the year! 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $1,822.84 to her 401(k).  We contribute 10% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $579.62 to my 401(k).  The total balance of our retirement accounts increased $13,198.93 from last month to a total of $386,256.95.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $17,668.56, up $1,005.09 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and our online savings accounts balance. It does not include our checking account balance that we use to pay our bills each month.  Thanks to my wife’s huge quarterly bonus, our savings increased $12,032.53 this month to a total of $20,024.54.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $856.76 from last month to a total balance of $30,559.61.  We contributed $0 to our daughter’s 529 Plan and it increased $506.76 from last month to a total balance of $18,050.39.

Home

We use the $528K purchase price that we paid in July 2016 for our home value.  Current comps in the area are ~$580K.  The current balance of our 15-year, 2.875% mortgage loan is $190,483.18.  We paid $660 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with ~70,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $31,412.01 at 2.79%. We paid $100 extra towards our auto loan principal this month.  We also have a ski boat with a loan balance of $48,237.32 at 5.24%. 

Credit Card Balance

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

Overall

November was another amazing month for our net worth.  Our net worth increased $13,211.02 from last month to a total of $800,149.61 (see spreadsheet screenshot).  So happy to pass our net worth milestones of $790K and $800K! 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $847.84 to her 401(k).  We contribute 10% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $579.62 to my 401(k).  The total balance of our retirement accounts increased $11,173.68 from last month to a total of $373,058.02.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $16,663.47, down $2,095.46 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and 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 $507.96 this month, to a total of $7,992.01.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $1,061.35 from last month to a total balance of $29,702.85.  We contributed $0 to our daughter’s 529 Plan and it increased $627.77 from last month to a total balance of $17,543.63.

Home

We use the $528K purchase price that we paid in July 2016 for our home value.  Current comps in the area are ~$580K.  The current balance of our 15-year, 2.875% mortgage loan is $192,858.83.  We paid $660 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with 70,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $32,142.47 at 2.79%. We paid $100 extra towards our auto loan principal this month.  We also have a ski boat with a loan balance of $48,479.69 at 5.24%. 

Credit Card Balance

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

Overall

October was another amazing month for our net worth.  Our net worth increased $20,169.96 from last month to a total of $786,938.59 (spreadsheet screenshot).  Stoked to pass our net worth milestone of $770K and $780! 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $847.84 to her 401(k).  We contribute 10% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $894.62 to my 401(k).  The total balance of our retirement accounts increased $13,997.49 from last month to a total of $361,884.34.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $18,758.93, up $2,896.15 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and 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 $88.06 this month, to a total of $7,484.05.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $824.79 from last month to a total balance of $28,641.50.  We contributed $0 to our daughter’s 529 Plan and it increased $487.85 from last month to a total balance of $16,915.86.

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 $194,449.73.  We paid $660 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with 70,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $32,868.81 at 2.79%. We paid $100 extra towards our auto loan principal this month.  We also have a ski boat with a loan balance of $48,721.11 at 5.24%. 

Credit Card Balance

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

Overall

September was an amazing month for our net worth.  Our net worth increased $13,869.49 from last month to a total of $766,768.63 (spreadsheet screenshot).  The main reason for the solid month was my wife’s quarterly bonus of $15,000 gross ($9,664.54 net).

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $1,597.84 to her 401(k).  We contribute 10% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $579.62 to my 401(k).  The total balance of our retirement accounts increased $7,278.88 from last month to a total of $347,886.85.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $15,862.78, down $934.26 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and 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 5,002.81 this month, to a total of $7,395.99.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $100 to our son’s 529 Plan and it increased $468.41 from last month to a total balance of $27,816.71.  We contributed $0 to our daughter’s 529 Plan and it increased $219.34 from last month to a total balance of $16,428.01.

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 $196,425.90.  We paid $660 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with 70,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $33,585.80 at 2.79%. We paid $100 extra towards our auto loan principal this month.  We also have a ski boat with a loan balance of $48,926.74 at 5.24%. 

Credit Card Balance

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

Overall

August was a rough month for our net worth.  Our net worth decreased $8,254.49 from last month to a total of $752,899.14 (spreadsheet screenshot). 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $847.84 to her 401(k).  We contribute 10% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $579.62 to my 401(k).  The total balance of our retirement accounts decreased $7,560.81 from last month to a total of $340,607.97.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $16,797.04, down $1,508.06 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and 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 this month, to a total of $2,393.18.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it decreased $802.74 from last month to a total balance of $27,348.30.  We contributed $0 to our daughter’s 529 Plan and it decreased $476.50 from last month to a total balance of $16,208.67.

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 $198,397.34.  Our balance is finally below $200,000!  We paid $660 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with 65,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $34,277.47 at 2.79%. We also have a ski boat with a loan balance of $49,131.44 at 5.24%.  We paid $0 extra towards our boat loan principal this month.

Credit Card Balance

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

Overall

July was a great month for our net worth.  Our net worth increased $7,207.62 from last month to a total of $761,153.63 (spreadsheet screenshot). 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $847.84 to her 401(k).  We contribute 10% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $717.95 to my 401(k).  The total balance of our retirement accounts increased $9,101.87 from last month to a total of $348,168.78.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $18,305.10, down $2,175.33 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and our online savings accounts balance. It does not include our checking account balance that we use to pay our bills each month.  Our savings dropped this month, to a total of $2,193.17.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $637.10 from last month to a total balance of $28,151.04.  We contributed $0 to our daughter’s 529 Plan and it increased $378.18 from last month to a total balance of $16,685.17.

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 $200,364.07.  We paid $300 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with 60,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $34,909.81 at 2.79%. We also have a ski boat with a loan balance of $49,469.92 at 5.24%.  We paid $0 extra towards our boat loan principal this month.

Credit Card Balance

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

Overall

June was an incredible month for our net worth.  Our net worth increased $25,802.84 from last month to a total of $753,946.01 (spreadsheet screenshot). 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 5% of her 401(K) contribution (100% vested when deposited) and chips in an additional 5% on top of the match in March (vests over 3 years). This month, we contributed $1,385.34 to her 401(k).  We contribute 10% to my 401(k) and my company matches up to 4% and deposits the match in March (100% vested when deposited).  This month, we contributed $530.45 to my 401(k).  The total balance of our retirement accounts increased $17,040.01 from last month to a total of $339,066.91.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  We’ve been investing a little more money into our cryptocurrencies and they have been performing very well. The total current value is $20,480.43, up $5,816.61 from last month.

Cash & Savings Account

Cash and savings accounts consists of a small sum of cash at home and our online savings accounts balance. It does not include our checking account balance that we use to pay our bills each month.  Our savings went down $649.24 this month, bringing the total to $4,291.60.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $1,229.59 from last month to a total balance of $27,513.94.  We contributed $0 to our daughter’s 529 Plan and it increased $729.88from last month to a total balance of $16,306.99.

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 $201,966.96.  We paid $300 extra towards our home mortgage principal this month.

Vehicles

My company provides me a vehicle and gas card.  My wife has a 2017 SUV with 60,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $35,516.49 at 2.79%. We also have a ski boat with a loan balance of $49,679.07 at 5.24%.  We paid $200 extra towards our boat loan principal this month.

Credit Card Balance

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