Overall

May was a great month for our net worth.  It increased $9,232.54 from last month to a total of $671,313.4 (see spreadsheet screenshot).  We passed our net worth goal of $670,000 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 new 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 $285.00 to my 401(k).  The total balance of our retirement accounts increased $9,964.76 from last month to a total of $287,679.22.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $8,235.10, down $1,876.90 from last month, mostly due to the cryptocurrency market drop.

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.  Our cash and savings accounts decreased $1,093.29 this month, bringing the total to $8,448.41.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $788.11 from last month to a total balance of $23,241.36.  We contributed $50 to our daughter’s 529 Plan and it increased $472.32 from last month to a total balance of $12,47.86.

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 $225,009.97.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 25,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $43,436.52 at 2.79%. I have a 2012 sedan with 110K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $6,115.72 at 1.99.  We also have a ski boat with a loan balance of $53,216.54 at 5.24%.

Credit Card Balance

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

March 2018 Net Worth Update ($6,118.13)

Overall

March was a good month for our net worth.  It increased $6,118.13 from last month to a total of $654,214.48 (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 new 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 $1,414.50.00 to her 401(k).  Her company also deposited the annual match of $5,413.97 ($4,781.47 is a 3 year vested & the rest is 100% vested).  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 $294.23 to my 401(k).  The total balance of our retirement accounts increased $1,616.23 from last month to a total of $275,400.84.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $6,037.37, down $3,221.72 from last month, mostly due to the cryptocurrency market drop.

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.  Our cash and savings accounts increased $1,504.01 this month, bringing the total to $9,777.71.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $1,000 to our son’s 529 Plan and it increased $436.58 from last month to a total balance of $22,068.08.  We contributed $1,000 to our daughter’s 529 Plan and it increased $659.09 from last month to a total balance of $11,794.29.

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 $227,894.96.  We paid $2,200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 20,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $44,646.75 at 2.79%. I have a 2012 sedan with 105K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $6,502.45 at 1.99% (we paid an extra $2,000 to principal this month).  We also have a ski boat with a loan balance of $53,494.99 at 5.24%.

Credit Card Balance

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

Overall

Sadly, February was not a good month for our net worth.  It decreased $4,165.63 from last month to a total of $648,096.35 (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 new 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 $575.00 to her 401(k).  We contribute 6% to my 401(k) (bumped it up this month from 5%) and my company matches up to 4% and deposits the match in March (100% vested when deposited).   This month, we contributed $309.99 to my 401(k).  The total balance of our retirement accounts decreased $5,818.18 from last month to a total of $273,784.61.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $8,273.70, down $633.64 from last month.

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.  Our cash and savings accounts decreased $3.62 this month, bringing the total to $8,273.70.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it decreased $633.64 from last month to a total balance of $21,631.50.  We contributed $0 to our daughter’s 529 Plan and it decreased $326.82 from last month to a total balance of $11,135.20.

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 $231,327.51.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 20,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $45,255.06 at 2.79%. I have a 2012 sedan with 105K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $8,691.48 at 1.99%.  We also have a ski boat with a loan balance of $53,739.30 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 January, our net worth increased $10,529.94 from last month to a total of $652,261.98 (see spreadsheet screenshot).  We passed our $650K net worth milestone 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 new 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 $575.00 to her 401(k).  We contribute 6% to my 401(k) (bumped it up this month from 5%) and my company matches up to 4% and deposits the match in March (100% vested when deposited).   This month, we contributed $498.15 to my 401(k).  The total balance of our retirement accounts increased $12,433.36 from last month to a total of $279,603.49.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $8,936.77, down $2,728.19 from last month.

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.  Our cash and savings accounts decreased $1,163.67 this month, bringing the total to $8,270.08.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $622.32 from last month to a total balance of $22,265.14.  We contributed $0 to our daughter’s 529 Plan and it increased $320.99 from last month to a total balance of $11,462.02.

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 $232,756.63.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 15,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $45,813.19 at 2.79%. I have a 2012 sedan with 95K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $8,879.13 at 1.99%.  We also have a ski boat with a loan balance of $53,852.17 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 December, our net worth increased $10,203.97 from last month to a total of $641,732.04 (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 new 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 $978.86 to her 401(k).  We contribute 5% 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 $370.74 to my 401(k).  The total balance of our retirement accounts increased $726.59 from last month to a total of $267,170.13.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $11,664.96, up $6,794.49 from last month.

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.  Our cash and savings accounts increased $1,003.50 this month, bringing the total to $9,433.75.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $390.37 from last month to a total balance of $21,642.82.  We contributed $0 to our daughter’s 529 Plan and it increased $201.34 from last month to a total balance of $11,141.03.

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 $234,182.34.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 10,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $46,412.02 at 2.79%. I have a 2012 sedan with 90K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $9,066.89 at 1.99%.  We also have a ski boat with a loan balance of $54,048.90 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, our net worth increased $3,478.31 from last month to a total of $631,528.07 (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 new 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 $575.00 to her 401(k).  We contribute 5% 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 $258.50 to my 401(k).  The total balance of our retirement accounts increased $7,031.64 from last month to a total of $266,443.54.

Brokerage Account

Currently, our brokerage account consists of four stocks and some cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  This month, we liquidated our position in Bitcoin for an 80% gain.  We will buy back in when it dips back down.  The total current value is $2,919.90, up $347.65 from last month $266,443.54.

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.  Our cash and savings accounts decreased $7,495.46 this month, bringing the total to $8,430.25.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $100 to our son’s 529 Plan and it increased $732.24 from last month to a total balance of $21,252.45.  We contributed $150 to our daughter’s 529 Plan and it increased $434.42 from last month to a total balance of $11,407.77.

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 $235,604.64.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 10,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $470,13.11 at 2.79%. I have a 2012 sedan with 90K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $9,258.82 at 1.99%.  We also have a ski boat with a loan balance of $54,298.93 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 October, our net worth increased $24,372.42 from last month to a total of $628,049.76 (see spreadsheet screenshot).  We passed our $610K  and $620K 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 new 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 $575.00 to her 401(k).  We contribute 5% 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 $371 to my 401(k).  The total balance of our retirement accounts increased $6,148.22 from last month to a total of $259,411.90.

Brokerage Account

Currently, our brokerage account consists of three stocks and some BTC, ETH & LTC cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $2,919.90, up $347.65 from last month.

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.  Our cash and savings accounts increased $4.34 this month, bringing the total to $15,925.71.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $416.65 from last month to a total balance of $20,520.21.  We contributed $0 to our daughter’s 529 Plan and it increased $253.21 from last month to a total balance of $10,505.27.

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 $237,023.54.  We paid $200 extra towards principal this month.

Vehicles

My wife’s 2017 SUV has 10,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $47,616.55 at 2.79%. I have a 2012 sedan with 90K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $9,450.50 at 1.99%.  We bought a $71,101 ski boat this month, putting $15K down.  The loan balance on the boat is $54,301.40 at 5.24%.  We already made some great family memories on the boat.  Love it!

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 $11,938.96 from last month to a total of $603,677.34 (see spreadsheet screenshot).  We passed our $600K 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 new 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 $575.00 to her 401(k).  We contribute 5% 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 $235.58 to my 401(k).  The total balance of our retirement accounts increased $5,476.46 from last month to a total of $253,263.68.

Brokerage Account

Currently, our brokerage account consists of three stocks and some BTC, ETH & LTC cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $2,572.25, up $324.03 from last month.

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.  Our cash and savings accounts increased $4,005.14 this month, bringing the total to $15,921.37.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $100 to our son’s 529 Plan and it increased $459.66 from last month to a total balance of $20,103.56.  We contributed $0 to our daughter’s 529 Plan and it increased $184.15 from last month to a total balance of $10,252.06.

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 $238,439.05.  We paid $200 extra towards principal this month.

Cars

My wife’s 2017 SUV has 10,000 miles.  Her company gives her $300/month auto allowance and $0.53/mile reimbursement. The loan balance on my wife’s car is $48,215.07 at 2.79%. I have a 2012 sedan with 84K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $9,638.79 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 August, our net worth increased $2,304.61 from last month to a total of $591,738.38 (see spreadsheet screenshot).  We passed our $590K 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 new 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 $575.00 to her 401(k).  We just increased the contribution my 401(k) from 4% to 5%.  My company matches up to 4% of my 401(k) and deposits the match in March (100% vested when deposited).   This month, we contributed $243.91 to my 401(k).  The total balance of our retirement accounts increased $2,304.61 from last month to a total of $247,787.22.

Brokerage Account

Currently, our brokerage account consists of three stocks and some BTC & ETH cryptocurrency (I prefer to track it in the “brokerage account” field rather than “Cash & Savings Accounts”.  The total current value is $2,248.22, up $1,487.10 from last month.

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.  Our cash and savings accounts decreased $2,600 this month, bringing the total to $11,916.23.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $50.42 from last month to a total balance of $19,643.90.  We contributed $0 to our daughter’s 529 Plan and it increased $25.90 from last month to a total balance of $10,067.91.

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 $239,851.18.  We paid $200 extra towards principal this month.

Cars

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 $48,812.31 at 2.79%. I have a 2012 sedan with 82K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $9,824.57 at 1.99%.

Credit Card Balance

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

Overall

2017 has been a great year for our net worth.  In July, our net worth increased $11,727.10 from last month to a total of $589,433.77 (see spreadsheet screenshot).  We passed our $580K 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).  She just started her new and her 401(k) kicked in her second check this month, resulting in a contribution of $287.50 to her 401(k).  We contribute 4% to my 401(k).  My company matches up to 4% of my 401(k) and deposits the match in March (100% vested when deposited).   This month, I contributed $317.79 to my 401(k).  The total balance of our retirement accounts increased $6,808.02 from last month to a total of $245,910.85.

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 $761.12.

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.  Our cash and savings accounts increased $802.64 this month, bringing the total to $14,516.23.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $336.12 from last month to a total balance of $19,593.48.  We contributed $50 to our daughter’s 529 Plan and it increased $222.70 from last month to a total balance of $10,042.01.

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 $241,259.93.  We paid $2,000 extra towards principal this month.

Cars

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 $49,389.73 at 2.79%. I have a 2012 sedan with 82K miles.  My company gives me a $450/month vehicle allowance and provides me with a gas card.  The loan balance on my car is $10,015.98 at 1.99%.

Credit Card Balance

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