Overall

June was another tough month for our net worth.  Due to a downturn in cryptocurrencies, our net worth decreased $10,320.85 from last month to a total of $1,525,093.93 (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 6% of her 401(K) contribution and chips in an additional 3% on top of the match at the end of the year (vests over 5 years).  This month, we contributed $911.10 to her 401(k).  Since I am unemployed, I did not contribute anything to my retirement accounts.  The total balance of our retirement accounts increased $13,799.16 from last month to a total of $586,790.43.

Brokerage Account

Currently, our brokerage account consists of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $402,929.03 down $29,710.78 from last month.  It was another tough month for our cryptocurrency investments.

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 $2,296.87 this month to a total of $52,333.13. 

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $200 to our son’s 529 Plan and it increased $1,193.78 from last month to a total balance of $47,419.64.  We contributed $200 to our daughter’s 529 Plan and it increased $840.76 from last month to a total balance of $30,617.68. Total 2021 contributions thus far are $3,200 for our son and $3,290 for our daughter.

Home

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$710K.  The current balance of our 15-year, 2.375% mortgage loan is $205,844.70.  We paid $1,100 extra to principal this month. Total 2021 extra payments to principal thus far are $2,100.

Vehicles

My wife drives a company vehicle and has a company gas card.  I drive a 2017 SUV (~85K miles) that we own.  In addition, we own a 2013 ski boat.

Credit Card Balance

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

Overall

May was rough month for our net worth.  Our net worth decreased a staggering $142,087.31 from last month to a total of $1,535,414.78 (see spreadsheet screenshot).  

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k).  My wife’s company matches up to 6% of her 401(K) contribution and chips in an additional 3% on top of the match at the end of the year (vests over 5 years).  This month, we contributed $1,217.10 to her 401(k).  Since I am unemployed, I did not contribute anything to my retirement accounts.  The total balance of our retirement accounts increased $1,199.15 from last month to a total of $572,991.27.

Brokerage Account

Currently, our brokerage account consists of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $432,639.81 down $152,813.10 from last month.  It was a tough month for our cryptocurrency investments.

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 $6,991.84 this month to a total of $50,036.26.  We sold some cryptocurrency for $24K (originally bought for $880).

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 $996.84 from last month to a total balance of $46,225.86.  We contributed $1,090 to our daughter’s 529 Plan and it increased $1,089.62 from last month to a total balance of $29,776.92. Total 2021 contributions thus far are $3,000 for our son and $3,090 for our daughter.

Home

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$710K.  The current balance of our 15-year, 2.375% mortgage loan is $207,940.91.  We paid $300 extra to principal this month. Total 2021 extra payments to principal thus far are $1,100.

Vehicles

My wife drives a company vehicle and has a company gas card.  I drive a 2017 SUV (~85K miles) that we own.  In addition, we own a 2013 ski boat.

Credit Card Balance

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

Overall

April was a good net worth month.  Our net worth increased $18,299.72 from last month to a total of $1,677,502.09 (see spreadsheet screenshot).  During the month, we passed our net worth milestones of $1,680K – $1,710K but our net worth sharply declined at the end of the month, erasing that progress. The volatility of our cryptocurrencies is to blame ?

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) (just had the 1% annual contribution increase kick in).  My wife’s company matches up to 6% of her 401(K) contribution and chips in an additional 3% on top of the match at the end of the year (vests over 5 years).  This month, we contributed $836.32 to her 401(k) and her company deposited her annual match of $4,162.50.  Since I am unemployed, I did not contribute anything to my retirement accounts.  The total balance of our retirement accounts increased $27,268.84 from last month to a total of $571,792.12.

Brokerage Account

Currently, our brokerage account consists of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $585,452.91 down $7,560.19 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 decreased $6,056.31 this month to a total of $43,044.02.  We pulled money out to prepay for a couple of vacations and buy $3K worth of stock.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $2,576.16 from last month to a total balance of $45,229.02.  We contributed $0 to our daughter’s 529 Plan and it increased $1,633.98 from last month to a total balance of $28,687.30. We completed our 2021 529 Plan deposit goals in Feb by contributing $2K to each of our kid’s plans.

Home

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$710K.  The current balance of our 15-year, 2.375% mortgage loan is $209,234.56.  We paid $300 extra to principal this month.

Vehicles

My wife drives a company vehicle and has a company gas card.  I drive a 2017 SUV (~85K miles) that we own.  In addition, we own a 2013 ski boat.

Credit Card Balance

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

Overall

March was another great net worth month.  Our net worth increased $99,004.23 from last month to a total of $1,659,202.37 (see spreadsheet screenshot).  We passed net worth milestones of $1,600K – $1,670K this month but it dipped down a bit before the end of the month. 

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 6% to my wife’s 401(k).  My wife’s company matches up to 6% of her 401(K) contribution and chips in an additional 3% on top of the match at the end of the year (vests over 5 years).  This month, we contributed $761.54 to her 401(k).  Since I am unemployed, I did not contribute anything to my retirement accounts.  The total balance of our retirement accounts increased $10,945.28 from last month to a total of $544,523.28.

Brokerage Account

Currently, our brokerage account consists of stocks and cryptocurrency (I prefer to track crypto in the “Brokerage Accounts” field rather than “Cash & Savings Accounts”).  The total current value is $593,013.10, up $76,000.84 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 $8,992.37 this month to a total of $489,100.73.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $1,798.74 from last month to a total balance of $42,652.86.  We contributed $0 to our daughter’s 529 Plan and it increased $1,141.32 from last month to a total balance of $27,053.32. We completed our 2021 529 Plan deposits in Feb by contributing $2K to each of our kid’s plans.

Home

For our home value, we use the $528K purchase price that we paid in July 2016.  Current comps in the area are ~$710K.  The current balance of our 15-year, 2.375% mortgage loan is $210,525.65.  We paid $0 extra to principal this month.

Vehicles

My wife drives a company vehicle and has a company gas card.  I drive a 2017 SUV (~85K miles) that we own.  In addition, we own a 2013 ski boat.

Credit Card Balance

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