Overall

April was another amazing month!  We passed our $730K net worth goal this month and are fast approaching our $740K net worth goal. Our net worth increased $9,864.76 from last month to a total of $735,865.85 (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 $740.68 to my 401(k).  The total balance of our retirement accounts increased $11,498.94 from last month to a total of $330,674.42.   

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and some cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $9,759.80, up $1,788.51from last month primarily because we invested a little more money.

Cash & Savings Accounts

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 cash and savings accounts decreased $6,430.99 this month, bringing the total to $8,933.67.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $968.38 from last month to a total balance of $27,227.25.  We contributed $0 to our daughter’s 529 Plan and it increased $570.02 from last month to a total balance of $16,085.97.

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 $205,161.26.  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 55,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $36,780.18 at 2.79%. We also have a ski boat with a loan balance of $50,463.52 at 5.24%.  We paid $100 extra towards our boat loan principal this month. 

Credit Card Balance

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

Overall

March rocked!  We passed our $710K and $720K net worth goals this month! Our net worth increased $19,827.25 from last month to a total of $726,011 (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). My wife’s company just deposited the $10.692.55 401(k) match into her account? This month, we contributed $1,819.41 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).   My company just deposited the $3,174.34 401(k) match into my account?This month, we contributed $501.93 to my 401(k).  The total balance of our retirement accounts increased $9,811.68 from last month to a total of $319,175.48.    

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and some cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $7,971.29, up $1,441.06 from last month primarily because we invested a little more money.

Cash & Savings Accounts

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 cash and savings accounts increased $1,612.49 this month, bringing the total to $15,364.66.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $1,200 to our son’s 529 Plan and it increased $1,634.61 from last month to a total balance of $26,258.87.  We contributed $1,800 to our daughter’s 529 Plan and it increased $2,078.78 from last month to a total balance of $15,515.95.

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 $206,752.69.  We paid $2,100 extra towards our home mortgage principal this month. 

Vehicles

I have a company car and gas card.  My wife has a 2017 SUV with 50,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $37,376.18 at 2.79%. We also have a ski boat with a loan balance of $50,845.292 at 5.24%.  We paid $100 extra towards our boat loan principal this month. 

Credit Card Balance

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

Overall

February kicked butt!  Our net worth increased $15,692.06 from last month to a total of $706,173 (spreadsheet screenshot).  It was nice to pass $700K net worth again since we tippy toed by it in September 2018 but dropped back down.

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 in March).  This month, we contributed $790.95 to her 401(k).  We contribute 7% 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 $356.74 to my 401(k).  The total balance of our retirement accounts increased $13,066.78 from last month to a total of $309,363.80.

Brokerage Account

Currently, our brokerage account consists of a handful of stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $6,530.23, up $820.73 from last month.

Cash & Savings Accounts

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 selling Car 1 ($6,300) and some of my wife’s company stock ($2,343), we were able to reinject our savings account with some life!  Our cash and savings accounts increased $3,918.63 this month, bringing the total to $13,752.17.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $200 to our son’s 529 Plan and it increased $1,223.46 from last month to a total balance of $24,624.26.  We contributed $200 to our daughter’s 529 Plan and it increased $758.42 from last month to a total balance of $13,437.17.

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 $210,136.01.  We paid $300 extra towards our home mortgage principal this month. 

Vehicles

My wife’s 2017 SUV has 45,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $38,002.36 at 2.79%. My company just provided me with a new company car and gas card so I sold my 2012 sedan. We also have a ski boat with a loan balance of $51,169.62 at 5.24%.  We paid $100 extra towards our boat loan principal this month. 

Credit Card Balance

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

Overall

2019 is off to a strong start!  Our net worth increased $23,481.51 from last month to a total of $690,481.78 (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 in March).  This month, we contributed $840.95 to her 401(k).  We contribute 7% 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 $511.32 to my 401(k).  The total balance of our retirement accounts increased $21,663.93 from last month to a total of $296,297.02.

Brokerage Account

Currently, our brokerage account consists of a few stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $5,709.50, up $523.26 from last month.

Cash & Savings Accounts

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 dipped into the piggy bank hard this month ☹  Our cash and savings accounts decreased $2,990.80 this month, bringing the total to $9,833.54.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $100 to our son’s 529 Plan and it increased $1,889.36 from last month to a total balance of $23,400.80.  We contributed $100 to our daughter’s 529 Plan and it increased $1,099.60 from last month to a total balance of $12,678.75.

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 $211,715.54.  We paid $200 extra towards principal this month. 

Vehicles

My wife’s 2017 SUV has 45,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $38,621.41 at 2.79%. I have a 2012 sedan with 130K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $4,542.97 at 1.99%. We also have a ski boat with a loan balance of $51,451.49 at 5.24%. 

Credit Card Balance

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

Overall

It sucks to end 2018 on a down note but in December our net worth experienced another huge decrease due to the stock market.  Our net worth decreased $18,994.30 from last month to a total of $667,000.27 (see spreadsheet screenshot).  It’s good that we are buying shares at a discounted rate but no fun to see our numbers drop.

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 in March).  This month, we contributed $1,210.41 to her 401(k).  We contribute 6% 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 $309.92 to my 401(k).  The total balance of our retirement accounts decreased $20,422.60 from last month to a total of $274,633.09.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $5,186.24, up $504.70 from last month because we bought $1,000 worth of a stock.

Cash & Savings Accounts

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 cash and savings accounts increased $3,343.71 this month, bringing the total to $12,824.34.  This was a definite bright spot on a tough month.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $70 to our son’s 529 Plan and it decreased $2,342.36 from last month to a total balance of $21,511.44.  We contributed $70 to our daughter’s 529 Plan and it decreased $11,579.15 from last month to a total balance of $11,579.15.

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 $213.191.54.  We paid $200 extra towards principal this month. 

Vehicles

My wife’s 2017 SUV has 45,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $39,236.19 at 2.79%. I have a 2012 sedan with 130K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $4,739.76 at 1.99%. We also have a ski boat with a loan balance of $51,681.23 at 5.24%. 

Credit Card Balance

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

Overall

In November, we dug our way back bit from our huge $19K decrease last month.  Our net worth increased $3,853.30 from last month to a total of $685,994.57 (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 in March).  This month, we contributed $700.72 to her 401(k).  We contribute 6% 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 $420.38 to my 401(k).  The total balance of our retirement accounts increased $2,587.82 from last month to a total of $295,055.69.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $4681.54, down $1,305.79 from last month.

Cash & Savings Accounts

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 cash and savings accounts increased $1,005.96 this month, bringing the total to $9,480.63.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $227.72 from last month to a total balance of $23.853.80.  We contributed $0 to our daughter’s 529 Plan and it increased $122.43 from last month to a total balance of $12,842.10.

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 $214,664.01.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 45,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $39,810.1 at 2.79%. I have a 2012 sedan with 130K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $4,934.88 at 1.99%.  We also have a ski boat with a loan balance of $51,858.41 at 5.24%.

Credit Card Balance

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

Overall

Ouch!  October was a tough month for our net worth.  It decreased $19,377.10 from last month to a total of $682,141.27 (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 in March).  This month, we contributed $728.28 to her 401(k).  We contribute 6% 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 $392.50 to my 401(k).  The total balance of our retirement accounts decreased $16,380.27 from last month to a total of $292,467.87

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $5,987.33, down $782.67 from last month.

Cash & Savings Accounts

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 cash and savings accounts decreased $943.94 this month, bringing the total to $8,474.67.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it decreased $1,606.89 from last month to a total balance of $23.626.08.  We contributed $0 to our daughter’s 529 Plan and it decreased $866.66 from last month to a total balance of $12,719.67.

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 $216,132.96.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 40,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $40,428.42 at 2.79%. I have a 2012 sedan with 127K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $5,132.67 at 1.99%.  We also have a ski boat with a loan balance of $52,034.45 at 5.24%.

Credit Card Balance

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

Overall

September was very good month for our net worth.  It increased $9,901.66 from last month to a total of $701,518.37 (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 in March).  This month, we contributed $1,208.68 to her 401(k).  We contribute 6% 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 $330 to my 401(k).  The total balance of our retirement accounts increased $3,768.85 from last month to a total of $308,848.14

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $6,770.00, up $1,058.99 from last month.

Cash & Savings Accounts

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 cash and savings accounts increased $1,406.08 this month, bringing the total to $9,418.61.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $200 to our son’s 529 Plan and it increased $522.04 from last month to a total balance of $25,232.97.  We contributed $150 to our daughter’s 529 Plan and it increased $323.36 from last month to a total balance of $13,586.33.

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 $217,598.40.  We paid $1,800 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 38,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $41,039.16 at 2.79%. I have a 2012 sedan with 122K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $5,328.44 at 1.99%.  We also have a ski boat with a loan balance of $52,224.36 at 5.24%.

Credit Card Balance

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

Overall

July was a great month for our net worth.  It increased $6,972.26 from last month to a total of $684,068.39 (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 in March).  This month, we contribution of $700.72 to her 401(k).  We contribute 6% 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 $547.54 to my 401(k).  The total balance of our retirement accounts increased $6.033.59 from last month to a total of $299,165.47.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $6,509.96, down $55.77 from last month.

Cash & Savings Accounts

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 cash and savings accounts decreased $1,045.93 this month, bringing the total to $7,407.98.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $539.24 from last month to a total balance of $24,230.95.  We contributed $0 to our daughter’s 529 Plan and it increased $289.92 from last month to a total balance of $13,004.91.

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 $222,111.14.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 35,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $42,221.11 at 2.79%. I have a 2012 sedan with 120K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $5,717.97 at 1.99%.  We also have a ski boat with a loan balance of $52,608.65 at 5.24%.

Credit Card Balance

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

Overall

June was a great month for our net worth.  It increased $5,782.73 from last month to a total of $677,096.13 (see spreadsheet screenshot).  Interestingly, we passed one million in assets this month (not that it means much lol).

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 in March).  This month, we contribution of $1,433.02 to her 401(k).  We contribute 6% 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 $337.50 to my 401(k).  The total balance of our retirement accounts increased $5,452.66 from last month to a total of $293,131.88.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track crypto in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $6,565.73, down $1,669.37 from last month, mostly due to the continued cryptocurrency market drop.

Cash & Savings Accounts

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 cash and savings accounts increased $5.50 this month, bringing the total to $8,453.91.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $450.35 from last month to a total balance of $23,691.71.  We contributed $0 to our daughter’s 529 Plan and it increased $242.13 from last month to a total balance of $12,714.99.

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 $223,562.29.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 30,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $42,834.42 at 2.79%. I have a 2012 sedan with 115K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $5,914.32 at 1.99%.  We also have a ski boat with a loan balance of $52,856.10 at 5.24%.

Credit Card Balance

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