I passed $2 million net worth for the first time in July, but ended a little under that here because I don't count cash in checking or car value.

TSP $1,409,145

IRA $412,305

Brokerage $12,102

Sub-total Investments $1,833,552

Home Equity $140,000

Savings $1,538

July 2025 Net Worth $1,975,090

June 2025 Net Worth $1,941,066

Monthly Gain/Loss $34,024

I just wrote the blog about me approaching $2 million net worth. Yesterday I logged into my Monarch account and I had already achieved $2 million net worth. That was fast! I achieved $1 million net worth in 2020. Only 5 years later & that has doubled.  I'm really blown away, honestly. I remember being in my 20's & knowing that it was possible, but it seemed so far away. I rember thinking that I could never max out my retirement accounts. I've been doing that since 2008. I just decided to do it & then it became automatic after that. Everything that seemed so unlikely has happened. I'm very grateful. 

It was not that long ago that I reached $1 million net worth. That was only during the Codid pandemic which was 5 years ago. Wow, seems like yesterday. It's wild that I'm now looking at $2 million. I may reach it before the end of the year if the market doesn't have a downturn. I really can't believe how quickly my net worth has grown. I just want to make sure that I don't accumulate debt again, which is why I'm being very prudent right now to pay off my medical debt  & traveling from this year.

Investments $1,800,032

> TSP $1,382,848

> IRA $405,449

> Brokerage $11,735

Cash Savings $1,034

Home Equity $140,000

June 2025 Net Worth $1,941,066

May 2025 Net Worth $1,859,826

Monthly Gain/Loss $81,240

TSP $1,315,805

IRA $387,414

Brokerage $11,077

Investments Subtotal $1,714,296

Home Equity $140,000

Savings $5,530

May 2025 Net Worth $1,859,826

April 2025 Net Worth $1,761,972

Monthly Loss/Gain $97,854

I am depleting my savings to pay off debt this month. It makes me nervous to see the balance go so low, but debt makes me nervous as well.

TSP $1,236,104

IRA $365,510

Brokerage $9,957

Total Investments $1,611,571

Other Assets:

Home Equity $140,000

Savings $10,400

April 2025 Net Worth $1,761,971

March 2025 Net Worth $1,755,161

Monthly Loss/Gain $6,810

TSP $1,232,064

IRA $363,335

Brokerage $9,492

Savings $10,270

Home Equity $140,000

March 2025 Net Worth $1,755,161

February 2025 Net Worth $1,835,751

Monthly Loss/Gain -$80,590

TSP $1,297,598

IRA $378,475

Brokerage $9,539

Total Investments $1,685,612

Savings $10,139

Home Equity $140,000

Feb 2025 Net Worth $1,835,751

Jan 2025 Net Worth $1,866,262

Monthly Loss/Gain -$30,511

Checking $6,698

Car $11,000

First net worth for 2025! How did I fare? Pretty good! Despite the panic posts I kept seeing, I didn't pay too close attention. I ended up a significant amount for the month when the dust settled. 

TSP $1,321,757

IRA $381,285

Brokerage $9,221

Sub-total of Investments $1,712,263

Savings $14,99

Sub-total cash assets $1,727,262

House Equity $139,000

January 2025 Net Worth $1,866,262

December 2024 Net Worth $1,805,796

Monthly Gain Loss $60,465

Checking $2,065

Car $11,000

For 2024, I completed all of my goals save for the savings goal. For the last few months I had to pause savings as I was spending so much money due to the new home & move.

I did not get my eye surgery this year & I am expecting to have a surgery for my fibroids so some of my FSA money will probably go towards that. I will reassess having eye surgery. I got contacts, but I am not happy with them yet.

2024 Goals:

$23,000 TSP ✅

$6,000 TSP employer match ✅

$7,000 IRA ✅

$6,000 brokerage ✅

$12,000 savings ❌

$2,600 FSA (to fund my vision surgery) ✅

My Net Worth increased by $316,569 in 2024.

2023 Net Worth $1,489,227

2024 Net Worth $1,805,796

TSP $1,274,564

IRA $368,934

Brokerage $8,447

Investments Sub-total $1,651,945

Savings $14,851

Home Equity $139,000

December 2024 Net Worth Total $1,805,796

November 2024 Net Worth Total $1,858,899

Monthly Loss/Gain -$53,103

Other Assets:

Car $11,000

Checking $4,071

TSP $1,319,624

IRA $379,382

Brokerage $8,194

Sub-Total Investments $1,707,200

Savings $12,699

House Equity $139,000

November Net Worth $1,858,899

October Net Worth $1,762,802

Monthly Gain/Loss $96,097

Other Assets:

Car $11,000

Checking $5,207

TSP $1,240,049

IRA $361,961

Brokerage $7,210

Investments Sub-total $1,609,220

Savings $14,882

Home Equity $138,700

October Net Worth $1,762,802

September Net Worth $1,789,495

Monthly Gain/Loss -$26,693

Car $11,000

Checking $4,939

Total Investments $1,629,864

Savings $20,931

Home Equity $138,700

September 2024 Net Worth $1,789,495

August 2024 Net Worth $1,760,970

Monthly Gain/Loss $28,525

September was so very expensive: moving, new home, new furniture, a lot of home supplies & services purchased. I'm looking forward to settling into a more normal or routine schedule as far as expenses goes.

TSP $1,230,506

IRA $360,024

Brokerage $6,141

Total Investments $1,596,671

Savings $25,823

Home Equity $138,476

August 2024 Net Worth $1,760,970

July 2024 Net Worth $1,709,201

Monthly Gain/Loss $51,769

Other Assets

Checking $9,070

Car $13,000 (average)

I posted my net worth update on the 1st & again a blog has disappeared. It's so frustrating when that happens. This one had my first numbers for the house as well. I am finally moving today, but I will repost the blog when I get a chance.

TSP $1,201,990

IRA $351,497

Brokerage $5,504

Total Investments $1,558,991

Savings $150,210

July Net Worth $1,709,201

June Net Worth $1,656,396

Monthly Gain/Loss $52,805

Checking $10,659

Car $10-16k

On Wednesday I met my next goal of $1,200,000 in my TSP. Friday my TSP closed at $1,209,480,85. Let's see how we end the month!

I just posted my June New Worth, then eclipsed that with this week's gains. So much in fact that Monarch had me surpossed $1.7 million for the first time. Pretty cooly. Lucky 7! I will feel very confident when I reach $2 million. That is my goal by age 50.

Good Morning and Happy July! It's been over a week since I've seen the house. I'm headed there this morning for doctor appointments and will stop by to see the updates. I'm antsy to see whatever progress they've made. I don't get nearly enough pictures. 🏡 

TSP $1,169,909

IRA $342,831

Brokerage $4,946

Investments Total $1,517,686

Savings $138,710

June Net Worth $1,656,396

May Net Worth $1,624,404

Monthly Gain/Loss $31,992

Checking $13,428

Car Value $10,000-16,000

TSP $1,146,260

IRA $337,601

Brokerage $4,305

Total Investments  $1,487,166

Savings $137,238

May 2024 Net Worth $1,624,404

April 2024 Net Worth $1,549,558

Monthly Gain/Loss $74,846

Checking $13,490

Car Value $10,000-16,000

TSP $1,093,655

IRA $321,527

Brokerage $98,438

Investments $1,513,620

Savings $35,938

April 2024 Net Worth $1,549,558

March 2024 Net Worth $1,612,782

Monthly Gain/Loss -$63,224

Checking $10,779

Today is Good Friday and the markets are closed. I can update my investments, but will have to wait until Monday to add my savings & cash, and calculate my total monthly gain.

TSP $1,141,985

IRA $333,541

Brokerage $102,440

Investments $1,577,966

Savings $34,816

March 2024 Net Worth $1,612,782

Monthly Gain Loss $53,939

Checking $19,155

My brokerage account is earmarked for my downpayment on my home, which is scheduled to be completed 6 months from now. I'm glad to have 6 more months to accumulate savings. I know they say that a downpayment shouldn't be invested aggressively, but I don't want to pull the money prematurely.

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.

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

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.

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

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. 

$994,975.78 was my account balance on Friday. Getting close!

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!