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Post by minnesotapaintlady on Jun 30, 2022 22:36:10 GMT -5
I love Dory and "Just keep swimming" has been my mantra for a long time. It actually helps!
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azucena
Junior Associate
Joined: Jan 17, 2011 13:23:14 GMT -5
Posts: 5,949
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Post by azucena on Jul 1, 2022 11:43:15 GMT -5
I'd been avoiding my 401k, but my company just flipped our pension to Fidelity from John Hancock so I was curious to see Fidelity's info and projections bc Hancock was always lacking in the pension aspect of that.
Bad news that I'd been avoiding - 401k down almost 100k (20% YTD) including the 30k my company and I have invested this year. Barf.
Good news my current pension balance is almost 100k with projected lump sum payout of $375k at age 60 in 17 yrs.
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shanendoah
Senior Associate
Joined: Dec 18, 2010 19:44:48 GMT -5
Posts: 10,096 
Mini-Profile Name Color: 0c3563
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Post by shanendoah on Jul 1, 2022 12:37:29 GMT -5
Right now, I pretty much only log in to do my quarterly net worth update. My house has continued to appreciate. I'd say my house shouldn't be a million dollar house, but our tax assessment in June says it is. And sadly, the thought is that tech salaries are still going up in our area, so the housing market isn't likely to cool down much (though it is now growing at a slower rate).
I am down from April, but not much (thanks to the house and continued investment). However, if we don't count physical assets (mostly the house), I'm down about $70k from January, $51k from April.
Age: Shanendoah- 46; C-48
Income: ~$135k/yr
Mortgage: $499,558
Car Note: $26,150
HELOC: $6,024
CC (0%): $375
Debts Total: $532,106
Savings: $12,503
S Retirement Accounts: $256,144 (down ~$40k from Apr)
C Retirement Accounts: $47,995 (down ~$7k from Apr)
House: $1,098,898 (up ~$40k from Apr)
Timeshare: $1,500
Car: $25,000
Assets Total: $1,434,067
Net Worth: $901,961 / $305,670
Previous : $905,787 / $359,830
Change: $(105,224) / $(17,935)
I apparently didn't do a July update last year - or at least didn't save it on my spreadsheet, so I've just updated from last April for my year over year.
April 2021 Net Worth: $587,816
Difference: $314,145
Growth: 153.44%
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Jul 1, 2022 12:59:10 GMT -5
Downdate!
| April 2 2021 | Dec 31/Jan 1st | Feb 3 2021 | Mar 5 2022 | April 1 2022 | May 1 2022 | June 3 2022 | July 1 2022 | | 401k and rollovers | $1,304,844
| 1,754,854
| 1,530,246
| 1,326,083 | $1,629,256
| 1,304,346 | 1,197,393 | 1,104,770
| | Roth | $197,893
| 224,473
| 196,767
| 180,945 | 213,577
| 168,663 | 140,062 | 132,379
| | I-bonds/TIPS |
| 10,020
| 15,057
| 16,099 | 17,142
| 17,418 | 20,603 | 21,304
| | Other: EF, ESOP, HSA | $49,159
| 40,828
| 42,045
| 38,121 | 40,640
| 30,167 | 30,604 | 26,760
| | Total |
$1,551,896
| 2,030,175
| $1,784,115 | $1,561,248 | $1,900,615
| 1,520,594 | 1,388,664 | 1,285,213
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Another 100k plus decline. Keep it coming! I'm ready to buy!!  Edited: as I forgot to include my new sep-ira and other fidelity acct - micro taxable.
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ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,666
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Post by ners on Jul 1, 2022 20:23:19 GMT -5
June Update - Not much to say. Just plugging along.
Assets
Cash 21,528.98
Retirement 157,554.79
House 80,000.00
Car 2,400.00
Stock 6,020.82
HSA $7,181.37
Total Assets 274,685.96
Liabilities
Mortgage 52,292.40
Helco 9,080.65
Car 3,301.28
Total Liabilities 64,674.33
Net Worth $210,011.63
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Ombud
Junior Associate
Joined: Jan 14, 2013 23:21:04 GMT -5
Posts: 7,603
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Post by Ombud on Jul 4, 2022 12:25:34 GMT -5
| Previous Schwab Accts: | 886,975 | | Brokerage | 366,879 | | IRA | 367,682 | | Roth | 83,171 | | Schwab cash | $2975 | | New Total | 820,696 | | Difference | -66,279 | | YTD | -18.85% |
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aricia
Junior Member
Joined: May 18, 2011 13:36:32 GMT -5
Posts: 170
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Post by aricia on Jul 11, 2022 13:44:31 GMT -5
7/8/2022
Assets:
House: $300,000+
Cash: $310,000
I bonds: $245,000
Brokerage: $140,000
401k/IRAs: $1,160,000 (down $225,000 from 1/1, $155,000 from 4/1 🤢)
HSA: $35,000
529s: $65,000
Cars (4): $35,000
Net worth: $2,290,000
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Ombud
Junior Associate
Joined: Jan 14, 2013 23:21:04 GMT -5
Posts: 7,603
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Post by Ombud on Jul 29, 2022 15:12:44 GMT -5
| Previous Schwab Accts: | 820,696
| | Brokerage | 393,037
| | IRA | 394,210
| | Roth | 89,999
| | Schwab cash | 6000
| | New Total | 883,246
| | Difference | ^62,550
| | YTD | -12.66%
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Almost back to May |
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Jul 29, 2022 20:17:02 GMT -5
Oh crap!! The fiscal month is over….I know it’s better than last month but I still don’t want to look…. You know, get all excited and then it just craters again…..  |
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CCL
Junior Associate
Joined: Jan 4, 2011 19:34:47 GMT -5
Posts: 7,711
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Post by CCL on Jul 29, 2022 22:35:05 GMT -5
This month has been MUCH better than last. I think I've recovered about half of my ytd losses.
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azucena
Junior Associate
Joined: Jan 17, 2011 13:23:14 GMT -5
Posts: 5,949
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Post by azucena on Jul 30, 2022 16:25:06 GMT -5
I just read along here and guess what I've lost based on y'all. Makes it slightly less painful.
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Jul 30, 2022 16:32:47 GMT -5
| April 2 2021 | Dec 31/Jan 1st | Feb 3 2021 | Mar 5 2022 | April 1 2022 | May 1 2022 | June 3 2022 | July 1 2022 | July 30 2022 | | 401k and rollovers | $1,304,844
| 1,754,854
| 1,530,246
| 1,326,083 | $1,629,256
| 1,304,346 | 1,197,393 | 1,104,770
| 1,353,685 | | Roth | $197,893
| 224,473
| 196,767
| 180,945 | 213,577
| 168,663 | 140,062 | 132,379
| 174,596 | | I-bonds/TIPS |
| 10,020
| 15,057
| 16,099 | 17,142
| 17,418 | 20,603 | 21,304
| 21,804 | | Other: EF, ESOP, HSA | $49,159
| 40,828
| 42,045
| 38,121 | 40,640
| 30,167 | 30,604 | 26,760
| 26,262 | | Total |
$1,551,896
| 2,030,175
| $1,784,115 | $1,561,248 | $1,900,615
| 1,520,594 | 1,388,664 | 1,285,213
| 1,578,700 |
welp - I should have bought more last month! Will see what happens in the next month or two.... |
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ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,666
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Post by ners on Jul 30, 2022 17:27:35 GMT -5
July update
Assets
Cash 21,654.21
Retirement 168,949.27
House 80,000.00
Car 2,300.00
Stock 6,469.65
HSA $7,415.78
Total Assets 286,788.91
Liabilities
Mortgage 52,133.77
Helco 8,946.38
Car 3,099.10
Total Liabilities 64,179.25
Net Worth $222,609.66
Moved in the correct direction still down for the year by over 19000.
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Post by minnesotapaintlady on Jul 31, 2022 22:38:05 GMT -5
Finally a positive month.  Mortgage - $77,914 CC debt - $3,345 Total Debt $81,259Cash and Savings - $52,740 529s - $62,981 Retirement - $752,854 House - $300,000 Total Assets $1,168,575Net Worth $1,087,316 Up about 5% from last month.
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tcu2003
Senior Member
Joined: Dec 31, 2010 15:24:01 GMT -5
Posts: 4,960
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Post by tcu2003 on Aug 18, 2022 22:39:40 GMT -5
We were on vacation at the end of last month, so finally getting around to posting this.
Here is my July 2022 update:
ASSETS:
Checking/Savings: $228,207
House: $512,700
Retirement: $1,670,644
Brokerage: $15,642
529s: $78,327
DEBTS:
$0
Total NW: $2,505,520
As usual, the list above excludes our cars, which are worth around $30k combined, but I leave them out because we're unlikely to sell, and need them to get to/from work, kids schools, etc. in the land of suburbia.
We're up about 6% from last month, so yay! Finally moving in a positive direction!
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Aug 24, 2022 14:34:09 GMT -5
Bought a little more tesla today....I had a goal of a specific number of shares I wanted, and then with the split coming up, it would not be the same, lol. So I bought up to my goal of tesla stock. I had been trying to piece it together slowly over time with my RI income, but that is few and far between and each pay didn't buy too many of them!
Now I am bought up, feeling a little bit too many eggs in one basket, but now I am free to forget about acquiring any more and invest my extra RI money into other things. Likely, treasuries.
So for those keep tabs! This is my house fix up money I spent, just like half of it, so I guess one thing I can do is use the other money for house rather than treasuires/invest to pay back the house fund.
Yeah - I'm out there. I know. you know. I know you know. you know I know.
Can't help it....
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ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,666
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Post by ners on Aug 31, 2022 20:18:46 GMT -5
August update
Assets
Cash 21,781.98
Retirement 163,396.21
House 80,000.00
Car 2,200.00
Stock 6,255.59
HSA $7,653.23
Total Assets 281,287.01
Liabilities
Mortgage 51,974.46
Helco 8,718.77
Car 2,886.56
Total Liabilities 63,579.79
Net Worth 217,707.22
Not much to say. Another down month. Just going to work on paying down debts and keep investing in retirement.
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Sept 1, 2022 12:01:52 GMT -5
August update Assets Cash 21,781.98 Retirement 163,396.21 House 80,000.00 Car 2,200.00 Stock 6,255.59 HSA $7,653.23 Total Assets 281,287.01 Liabilities Mortgage 51,974.46 Helco 8,718.77 Car 2,886.56 Total Liabilities 63,579.79 Net Worth 217,707.22 Not much to say. Another down month. Just going to work on paying down debts and keep investing in retirement. And starting a new job!! |
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Sept 1, 2022 12:13:35 GMT -5
Update.....
| April 2 2021 | April 1 2022 | July 1 2022 | July 30 2022 | Sept 1, 2022 | | 401k and rollovers | $1,304,844
| $1,629,256
| 1,104,770
| 1,353,685 | 1,256,055
| | Roth | $197,893
| 213,577
| 132,379
| 174,596 | 158,742
| | I-bonds/TIPS |
| 17,142
| 21,304
| 21,804 | 23,042
| | Other: EF, ESOP, HSA | $49,159
| 40,640
| 26,760
| 26,262 | 17,651 | | Total |
$1,551,896
| $1,900,615
| 1,285,213
| 1,578,700 | 1,455,490 |
I got spanked for buying more tesla, lol! Hope it does pay off long term. Everything is down similarly, but that money was in cash, so ouch! Not sure about accounting on my EF, I think that is off. I've been subtracting what I owe to house fund as had borrowed some here and there, which I did same math this time, but I am actually starting to spend that money towards the project, so that shouldn't be substracted as if I owe to pay back, so EF should be higher but I'll figure that out for next time. At least tomorrow is payday, and more money going into the market for 401k  |
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Post by minnesotapaintlady on Sept 1, 2022 12:24:45 GMT -5
Le sigh... Oh well, it could certainly be a lot worse!
Mortgage - $77,592 CC debt - $2,659 Total Debt $80,251Cash and Savings - $43,485 529s - $61,315 Retirement - $736,775 House - $300,000 Total Assets $1,151,084Net Worth $1,070,833 (down about 1.5% from July)
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Sept 9, 2022 10:34:51 GMT -5
Bought a little more tesla today....I had a goal of a specific number of shares I wanted, and then with the split coming up, it would not be the same, lol. So I bought up to my goal of tesla stock. I had been trying to piece it together slowly over time with my RI income, but that is few and far between and each pay didn't buy too many of them! Now I am bought up, feeling a little bit too many eggs in one basket, but now I am free to forget about acquiring any more and invest my extra RI money into other things. Likely, treasuries. So for those keep tabs! This is my house fix up money I spent, just like half of it, so I guess one thing I can do is use the other money for house rather than treasuires/invest to pay back the house fund. Yeah - I'm out there. I know. you know. I know you know. you know I know. Can't help it.... this has been a negative move for me.....until today! I am up $46.74 |
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tcu2003
Senior Member
Joined: Dec 31, 2010 15:24:01 GMT -5
Posts: 4,960
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Post by tcu2003 on Sept 15, 2022 21:51:11 GMT -5
I clearly can't get my act together to post earlier in the month, though I did update my spreadsheet on my normal timeline. Oh well.
Here is my August 2022 update:
ASSETS:
Checking/Savings: $228,113
House: $512,700
Retirement: $1,627,148
Brokerage: $17,890
529s: $74,704
DEBTS:
$0
Total NW: $2,460,556
As usual, the list above excludes our cars, which are worth around $30k combined, but I leave them out because we're unlikely to sell, and need them to get to/from work, kids schools, etc. in the land of suburbia. In weirdness, though, I did update the value (I track it on our spreadsheet) last month for the first time in over a year, and somehow our 2018 CRV went up in value. Crazy used car market.
And after one month of positive gains, we're negative again - it was down a little over 1.6%.
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Post by minnesotapaintlady on Sept 27, 2022 13:54:33 GMT -5
Man, we're getting down there on posters willing to update. I must say, unless things really, really change this week, I don't want to do an October one either!  |
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Sept 27, 2022 19:56:16 GMT -5
Man, we're getting down there on posters willing to update. I must say, unless things really, really change this week, I don't want to do an October one either! lol I was like who darest disturb this thread! Should we consider......quarterly? |
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Post by minnesotapaintlady on Sept 27, 2022 20:47:20 GMT -5
Man, we're getting down there on posters willing to update. I must say, unless things really, really change this week, I don't want to do an October one either! lol I was like who darest disturb this thread! Should we consider......quarterly? I have only missed one month of updating since May of 2012. My OCD won't let me quit. I might quit sharing it though! I think I may have dropped down to only one comma again. Might have to up my house value to what Zillow says!  |
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azucena
Junior Associate
Joined: Jan 17, 2011 13:23:14 GMT -5
Posts: 5,949
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Post by azucena on Sept 28, 2022 6:00:32 GMT -5
I'm a semi-annual gal. Less time and I figure I'm not going to change anything anyway.
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Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,363
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Post by Rukh O'Rorke on Sept 28, 2022 10:32:57 GMT -5
lol I was like who darest disturb this thread! Should we consider......quarterly? I have only missed one month of updating since May of 2012. My OCD won't let me quit. I might quit sharing it though! I think I may have dropped down to only one comma again. Might have to up my house value to what Zillow says! If you update, I'll update! |
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Ombud
Junior Associate
Joined: Jan 14, 2013 23:21:04 GMT -5
Posts: 7,603
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Post by Ombud on Sept 30, 2022 12:00:05 GMT -5
| Previous Schwab Accts: | 883,246
| | Brokerage | 348,480
| | IRA | 353,710
| | Roth | 79,796
| | Schwab cash | 10,719
| | New Total | 792,705
| | Difference | 90,541
| | YTD | -21,64%
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Doing some tax loss harvesting. Keeping 85% SCHB, 1% individual stocks, currently 14% CDs/cash looking for a place to put it I don't include emergency fund (only 20k @ USAA) or home equity bc (1) no mortgage (2) no intent to move. 4 bd / 3 bath / 1/3 acre / SF Bay. But it's tempting bc I'm really down |
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ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,666
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Post by ners on Sept 30, 2022 21:42:57 GMT -5
September update
Cash 21,857.05
Retirement 150,682.19
House 80,000.00
Car 2,100.00
Stock 5,722.63
HSA $7,369.81
Total Assets 267,731.68
Liabilities
Mortgage 51,814.47
Helco 8,486.73
Car 2,673.93
Total Liabilities 62,975.13
Net Worth $204,756.55
Down another almost 13,000.00 for the month. Oh well, just keep paying down debt.
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tcu2003
Senior Member
Joined: Dec 31, 2010 15:24:01 GMT -5
Posts: 4,960
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Post by tcu2003 on Oct 1, 2022 9:41:19 GMT -5
I did mine, and similar to MPL, I'm going to check monthly regardless, so I may as well post.
Here is my September 2022 update:
ASSETS:
Checking/Savings: $230,924
House: $512,700
Retirement: $1,466,875
Brokerage: $20,916
529s: $66,985
DEBTS:
$0
Total NW: $2,298,400
As usual, the list above excludes our cars, which are worth around $30k combined, but I leave them out because we're unlikely to sell, and need them to get to/from work, kids schools, etc. in the land of suburbia.
All I can say is yuck - down over 6.5%, and looking at what the 401k website says for both DH and I, performance of both accounts YTD is around -30%.
In positive news, I realized I hit my 401k max contributions for the year, so going to chase the $10k (max my company plan allows) I can contribute in after-tax bucket. And probably need to look at DH's - I think he's going to max soon, so make sure I switch his over to put in the after-tax bucket as well once he does. I also threw some money from our too-bloated e-fund into the stock market earlier this month and set some more up to transfer on Monday, so trying to remind myself we're buying on sale.
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