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Home > Category: Net Worth
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Viewing the 'Net Worth' Category
March 2nd, 2024 at 02:47 pm
TSP $1,103,630
IRA $322,758
Brokerage $98,764
Total Investments $1,525,152
Savings $33,691
February 2024 Net Worth $1,558,843
January 2024 Net Worth $1,481,220
Monthly Loss/Gain $77,623
Other Assets:
Checking $19,386
Car $10,575-16,372 (estimates)
I added my VIN to Monarch & got a vastly different car value than the one estimated from Credit Karma. Interesting. I really don't look at my car like true asset, but it does have value. However, if I had to replace my car I'd definitely be out more money.
I am sticking with Monarch. Mint was free, but I paid $50 for the year. I think it's worth it. I think it's the closest to replicating what Mint was. Still keeping Credit Karma as well.
Piling up cash as I really get serious about looking at houses is a big priority. I want to be back in my hometown by Christmas. So if I'm building I need to start soon.
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February 5th, 2024 at 12:44 am
Investments $1,448,641
Cash Savings $32,579
January 2024 Net Worth $1,481,220
December 2023 Net Worth $1,470,019
Monthly Gain/Loss $11,201
I don't include the below in my net worth.
Checking accounts $17,979
Car value $11,000
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January 4th, 2024 at 01:38 am
Investments $1,438,561
Savings $31,458
December Total $1,470,019
November Total $1,388,506
Monthly Gain/Loss $81,513
Not included, but worth mentioning. Checking accounts were $19,208 total & car value at lowest estimate is $11k. This puts me at $1.5 million net worth for the first time.
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December 30th, 2023 at 03:54 pm
2023 Q4 is done for the year:
TSP $1,040,872
IRA $306,280
Brokerage $91,409
Total Investments $1,438,561
For comparison, 2022 Q4:
TSP $810,864
IRA $243,949
Brokerage $79,994
Total Investments $1,134,888
ANNUAL Gain/Loss $303,673
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December 13th, 2023 at 04:41 pm
Yesterday my Thrift Savings Plan balance crossed $1 million for the first time. $1,001,824.87 to be exact.
My Roth IRA balance is $295,011.92. If this holds steady I can expect to cross $300k next year.
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December 10th, 2023 at 02:44 pm
$994,975.78 was my account balance on Friday. Getting close!
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December 2nd, 2023 at 10:41 am
One of my CDs pays the monthly dividend on the 1st so I'm always a day late.
TSP $980,827
IRA $290,549
Brokerage $86,295
Total Investments $1,357,671
Cash Savings $30,835
Total Net Worth $1,388,506
Monthly Gain/Loss +$117,446
Checking $16,841 (included this month just to give an idea of what I usually have for cash flow, not included in my net worth calculation)
Car $15,062 (checked Kelley Blue Book value this morning, also not included in my net worth calculation)
My investments gained another $14,000 just one day later. I'm less than $9,000 away from reaching one million in my TSP. So close!
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December 1st, 2023 at 12:49 pm
I had an alert set on my phone to open another CD at Capital One today, but have been thinking that I would just keep it liquid while looking for a house. I have two CDs maturing on January 2nd and February 1st and those are both set to transfer to savings rather than renew. That will give me a nice cushion for the new home purchase. Also, I checked rates this morning and the 5.30% 10 month CD is now 4.30%, which is what their savings account is paying. I can go to 12 months for 5.00%, but I think it's better to hold on to cash.
Net worth looks great for November. I'll post final numbers today or tomorrow. Investments are almost to July 2023 numbers. I have exceeded the high of 2021 Q4, but only because of added contributions. I am on track to max out my retirement plans.
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November 3rd, 2023 at 12:54 am
October was not a good month financially, but I had a lot of fun. I vacationed in Napa Valley & Lake Tahoe. I got back to dancing again with salsa & bachata lessons. I walked regularly. I lost weight. I looked at future homes. I still worry & pray about my mom, but I had more to sustain & relax me.
Investments $1,240,842
Cash Savings $30,218
Total $1,271,060
Monthly Gain/Loss -$35,869
My net worth dipped below $1.3 million, but I'm not worried. I don't know what the markets will do short term, but I have faith in investing long term. Next month I will have another $10,000 to ladder into a CD. Capital One is paying 5.3% for a 10 month CD. And my checking account is paying 5.25%.
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October 5th, 2023 at 03:26 am
Investments $1,277,331
Cash Savings $29,599
Total $1,306,930
Monthly Loss/Gain -$55,424
Quarterly Loss/Gain -$33,096
July was such a promising month, but it's been downhill since then. At least the interest rates on savings is paying a little more. I may lock in some more money in CDs before interest rates start dropping.
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September 7th, 2023 at 04:00 am
Investments $1,333,367
Cash Savings $28,987
Total 1,362,354
Monthly Gain/Loss -$30,326
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August 2nd, 2023 at 02:55 am
I can claim an all time investment high this month.
TSP $985,217
IRA $292,627
brokerage $86,464
Investments $1,364,308
Savings $28,372
Total $1,392,680
That is $52,044 in investment gains & $52,655 gains over last month. Maybe August will be the month I see one milllion in my TSP? I'm also not far off from $300k in my IRA. I will hopefully see that sometime next year, if not this year.
In other news, I applied for a pre-approved mortgage loan so my credit score took a hit of a couple of points due to credit inquiries, but I'm still well over 800.
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July 20th, 2023 at 10:47 am
Yesterday I got my paystub for my biweekly check. We got our raise as well as backpay. It was a nice little bonus.
The market is up this week & I'm inching towards $1 million in my TSP. My high this week (before my biweekly contribution Thursday) was $979k. I am at $1.35 million in all investments.
I also hit a liquid cash high of $50k. I don't keep that much in cash as I always look to have my money invested. Even when I was saving for my first home I didn't have that much saved.
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July 16th, 2023 at 02:09 pm
My net worth on Mint hit a new bench mark this week. I am currently at $1,401,489 in net worth. It's the first time I can recall that I've hit $1.4 million. This includes all cash & my car value.
I've also recovered the $1.33 million I had in investments at the end of 2021. I now have $1.34 million in investments. Though my TSP & IRA are quite where they were, I now have a larger brokerage account than I had at that time. We'll see how the rest of this year plays out!
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July 3rd, 2023 at 05:52 pm
We're now half-way through 2023! The second quarter was a very good quarter.
I'm almost back to where I was at the end of 2021 in my investments. I have about $30k to go to get back to where I was at Q4 2021. That's not including my contributions as I've been maxing my TSP & IRA, as well as contributing to a brokerage account since my personal investment high 18 months ago. I was at $975k in my TSP and I just knew that $1 million was around the corner. Then 2022 came and the market started its downward trend.
Investments 1,312,264
Cash Savings $27,761
Total $1,340,025
Monthly Gain $82,465
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June 3rd, 2023 at 02:08 pm
Yesterday the markets went wild on the news of the debt ceiling deal, but too late to improve my May numbers which show a loss from April. Again, this does not including my checking account cash which hovers around $15k or my car value.
Investments $1,230,403
Cash (not including checking) $27,157
Total $1,257,560
Loss $6,985
Additional contributions in April $3,250
Got two notices that my rent will rise by $20 on July due to increases in water collections from two elections. Not an issue, especially considering my recent raise. I just wish they would do something about my noisy neighbor, who thinks his apartment is a music studio.
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May 10th, 2023 at 01:59 am
Since I don't know if I'll be able to recover my lost entries, let's try this for a third time. Third time's the charm, right?
Retirement investments $1,156,452
Brokerage investments $81,542
Savings $26,551
Total $1,264,545
My brokerage account is set aside for a future home purchase and my cash savings is earmarked for future car purchases. I put $500 into each every month.
I hope to not have to buy another car until 2032, which is when all cars are projected to be electric. I know a hybrid CR-V today will cost approximately $35k with the trimmings I desire, which are nothing extravagant.
Not included in my net worth is my cash in checking accounts and car value, which amount to approximately $35k.
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April 29th, 2023 at 11:11 pm
Even though they cut me an off-cycle check all of my retroactive earnings were shown on this paycheck along with my current earnings. Thankfully, my match was accounted for from both pay periods. My premium for both health & dental were doubled up, but the FSA pro-rated for the missed paycheck. It will be just a few dollars extra every check for the rest of the year. All fine by me.
Investments are up for April, just waiting for monthly interest payments to post before my final tally.
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April 2nd, 2023 at 06:52 pm
The stock market ended on a high note Friday to end the first quarter.
Net worth for March was $1,247,432
Investment savings $1,221,478
Cash savings $25,954
Contributions were $4,125 for the month
Total gain was $28,593
Obviously still off from the highs of late 2021, but headed in the right direction this quarter. I haven't seen that the latest interest rate increase affected any of my savings accounts, however.
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March 3rd, 2023 at 01:46 am
My net worth was down for February, though not as much as expected. My investments were down & cash savings slightly up.
Net Worth: $1,218,479
Change: $-27,325
I don't include cash in checking which is about $15,000 between the two accounts. Nor do I include depreciating assets like my car.
Capital One paid my promo bonus of $100 for opening my savings account, so I took out another $10k to open a second CD while the rate is at 5.00%. I didn't want to pull anymore until I was sure that I would earn my bonus.
My paycheck tomorrow will be my last paycheck with the 10% retention bonus. I will be fine financially, but it was a nice boost while it lasted. I'm happy that we're now recruiting & retaining staff, and we now need to focus on recruiting & retaining other positions. On the bright side, if things go as proposed we will get an 8% boost in January. Yes, it's a while away, but it's nice to know it's in the works.
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February 2nd, 2023 at 01:38 pm
Happy Black History Month! The January market was good to us. I'm not at my highest number, but I'm not terribly far off either. I gained $86,805 last month including contributions which were $3,750.
Net Worth $1,221,125
I am reading that we can expect the feds to continue raising interest rates into the late spring/early summer. If Capital One has paid my bonus for opening my 360 savings account by that time, I can move some money into CDs which will hopefully be at their peak rate. Their 360 account seems to be stuck at 3.3% while CD rates continue to rise. I may need to move back to my credit union.
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January 7th, 2023 at 05:31 pm
I forgot to post my net worth for November 2022. I just wanted to note that I never count the cash in my checking account as that seems too fluid. I usually keep around $10,000 in my checking, but again, it's very fluid. Between my brokerage and savings account I have $104,106. I have that earmarked for a down deposit on a house if I wish to buy again.
November 2022 $1,209,583
December 2022 $1,158,919
My net loss for December was $50,664.
December 2021 $1.388 million
December 2022 $1.159 million
My net loss for the year was $229k, or actually $269k since I added nearly 40k to savings and investments.
The losses are a little disheartening but I became a millionaire in 2020, years before I expected to reach that goal, and I have never fallen below that. I remain optimistic about the future. Happy New Year!
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November 6th, 2022 at 08:46 pm
I gained $83,955 over September's net work to finish the month at $1,129,958. $22,000 of that was cash while the rest is investments.
Pardon me, if I already posted about this. I've thought of it often but can't recall if I ever did. My former co-worker FIRED! By that, I mean she & husband retired early. She was my first lead tech when I got out of school at 22. She was about 5 years older & pregnant at the time. She never spoke much about money, but I recall her mentioning that she & her husband were paying off their home early. I never knew anyone so young talking about paying off a home. Fast forward 22 years later and she has officially retired! They were both state workers so retired with a pension. Their boys are both in college I believe. I wouldn't be surprised if they both had scholarships. She has been posting pictures of their travels on Facebook since they retired. They seem to go non-stop. I'm so excited to know someone who actually FIRED in real life. It's so inspiring.
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October 12th, 2022 at 02:10 am
I lost $100,824 in my investments, but still maintained 7 figures - just barely. September was my biggest one month drop yet, despite contributing 3 paychecks' worth of retirement investments & beginning contributions to my brokerage. Whew! My past paycheck on the 30th was pretty nice as it contained my new increased salary as well as some retroactive pay.
$1,046,003
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September 12th, 2022 at 12:36 pm
I was down for the month of August.
Net Worth: $1,126,879
Gain/Loss: -$42,350
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August 1st, 2022 at 04:48 pm
It is August already! This summer is flying by. I don't like to wish time to pass, but I always enjoy the autumn. It is my favorite season. 🍁🍂🐿
I'm looking forward to our trip to Maine at the end of September. I am encouraged to read that airline tickets are decreasing in price. I need to book my ticket to Boston or Portland soon. 🦞⛵️
In June my investments & savings were down $83,439. For July I gained $90,928. I read this article this morning & a BoA executive predicts we're still at least 6 months out from an economic recovery. Who knows? I am glad that at least my cash savings, which isn't a huge amount, are getting more in interest. It can't combat this rapidly rising inflation, but it's something.
Net Worth $1,221,187
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July 3rd, 2022 at 11:58 pm
So I calculated my Q2 & monthly losses.
Last month I was down $84,439.
Last quarter I down $188,231.
This included biweekly contributions of $800 to my TSP and monthly contributions of $1,000 to my savings. Last quarter I contributed $8,600. I maxed out my IRA in January, which in hindsight was not a good idea, but fortunately is a very small portion of my holdings.
If the 401k limit goes up to $22,000 next year I'll increase my contributions to $850 biweekly.
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July 1st, 2022 at 09:44 am
I haven't done the final tally, but I'm down again for Q2. I don't know if there's an end in sight so I just keep plugging away. I'm still north of $1 million overall, and also in retirement.
This is a strange economy. There seems to be no limit on jobs available, yet no people to fill the vacancies. So many people are leaving the healthcare field. It makes me nervous for the future of healthcare in this country. And I'm happy that I'm not traveling this summer as flights continue to be canceled due to a shortage of pilots.
I read an article that estimated that 401k limits will increase to $22,000 next year due to inflation. I am anticipating an increase to the IRA limit as well. We shall see.
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April 29th, 2022 at 08:58 am
I've gotten in the bad habit of waking up in the middle of the night, in which case I end up on my phone, like now.
Still no retention bonus on our checks. I believe that once is goes through the process that we will get retroactive payments, which will be nice. We were under the impression that it could happen a lot quicker than it actually has so that leaves people feeling frustrated.
I'm still not quite sure how I would like to allocate this money. I am saving $1,000 cash monthly already. I'm not sure that I want a lot of cash on hand, but at the same time I feel like my cash reserves are minuscule compared to my investments. Perhaps I should keep building it for a future car purchase? It's either that, or fund the brokerage for a home purchase.
In hindsight I do have a little regret about front-loading my IRA in January, right before the market started tanking. Maybe next year I'll go back to monthly contributions. If only we had a magic ball to predict these things!🔮
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April 9th, 2022 at 04:00 pm
I can't recall if I've been using my car value in my net worth as does Mint, but when I calculate it myself I never do.
Investments $1,271,591
Cash $14,888
Total $1,286,479
Net Gain from February $29,318
My gains include my contributions which are $800 to my TSP every two weeks & $1,000 to my cash savings monthly. The TSP is going to open up an investment window this summer, but I am planning on sticking with their low cost options. I am big on low cost index funds & I don't plan on changing that strategy anytime soon.
We still haven't received the 10% retention incentive on our checks, but I've been training on my PRN job steadily, which means most Saturdays. So there's still some extra income coming in.
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