Net Worth

June was a flat month for our Net Worth, a little up, a little down, very little change.

Sometimes you have to remind yourself that the turtle beat the hare in the end. Stocks took a hit, but I increased my Platinum Hoard (if 5 ounces can be considered a hoard).



Total Assets: $2,020,695 down – $ 1,026 from last month.

Accounts receivable, This is a business deal from 2014

Boat & Cars, Depreciating assets, but cars new in 2015

Real Estate 2nd home/vacation rental

Primary Residence

Retirement accounts; 2 people, 2 jobs each, 5 accounts total

Brokerage accounts; 2 taxable stock accounts

College Funds; Prepaid tuition and 529 accounts or 2 kids

Bonds; ‘I bonds’ bought through Treasury Direct

Cash & Metals; 6 accounts and a security deposit box

Health Savings Acct., Just started in 2015


Total Liabilities; $442,962 down – $1,898 from last month. Right direction, just not much movement.

Mortgage on House; Bought in 2005 Interest 3.75%

Mortgage 2nd Home; Bought in 2012 Interest 3.5%

Student Loan Dead, still Dead!

HELOC; Current APR 3.49%

TOTAL NET WORTH $1,577,733

Tracking your own net worth is perhaps the second most important thing you can do to improve your financial picture. Budgeting your expenses to see where the money goes is probably still number one.

Budgeting is like paying attention to ball game while tracking net worth is like paying attention to the baseball season.

Months can goes up or down, you need a longer picture to evaluate your progress. You are either bringing in more money than you’re spending or you are losing money each month. Tracking Net Worth is easy, useful, and addictive.

7 thoughts on “Net Worth

  1. Wow, that’s quite an amazing portfolio! Such tremendous progress you’ve made over 10 years. I like your use of over half a million of non-callable debt at low interest rates as leverage to grow your net worth faster. I wonder what is your asset allocation in your retirement accounts?

    • I actually have a good chunk of it in a Target Date retirement fund. In general, I keep my wife’s TSP on the conservative side with over half in bonds/gov. securities. My retirement, the 401k’s, I invest like a person 10 years younger than myself, heavy on stocks.

  2. Pingback: Measuring and Tracking your Financial Progress - Shnugi

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