Rukh O'Rorke
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Joined: Jul 4, 2016 13:31:15 GMT -5
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Post by Rukh O'Rorke on Aug 31, 2023 21:33:41 GMT -5
Update.....
| April 2021 | April 2022 | April 2023 | 04.30.2023 | 05.31.2023 | 06.30.2023 | 08.01.2023 | 08.31.2023 | | 401k and rollovers | $1,304,844
| $1,629,256
| 1,259,436
| 1,147,663
| 1,303,553
| 1,514,727
| 1,550,244
| 1,528,917 | | Roth | $197,893
| 213,577
| 122,508
| 98,903
| 122,305
| 158,660
| 156,917
| 152,845 | | I-bonds |
| 17,142
| 24,215
| 26,715 | 34,349
| 34,349 | 34,754
| 34,754 | | Notes, Bills, TIPS |
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| 7,500
| 7,500
| 7,500
| 7,500 | 7,000 | 6,500 | | Other: EF, ESOP, HSA | $49,159
| 40,640
| -5,101 | -13,712
| -7,924
| 2,731
| 8,256
| 7,445 | | Total |
$1,551,896
| $1,900,615
| 1,408,558
| 1,267,069 | 1,459,783
| 1,717,968
| 1,757,171
| 1,730,961 |
Month started with a big drop, but now at the end, a relatively modest decrease.... Been losing on the treasury bills as they are popping back into my checking as they mature and being absorbed into the bills.... Have a little over 3k going into the 401k monthly, so I have to be happy with that and try to keep it at max levels till EOY. Lesson learned - if the allowable amount increases a lot, as it did for 2023, do something first of year even if it isn't perfect.....Not only were stock prices cheaper first half of year (!) but now I have a larger amount to try to keep going |
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Rukh O'Rorke
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Post by Rukh O'Rorke on Sept 1, 2023 10:46:54 GMT -5
and.....values taking a dive today! I'll make myself feel better by checking ibonds for interest payment....but down about 30k in the market so far, interest isn't going to be much.... still I like to see it  |
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ners
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Post by ners on Sept 1, 2023 16:13:32 GMT -5
Update - Disappointing, I knew my HSA was going to take a hit since I had a test done near the end of July, I did not expect such a drop in retirement. I did pay down my home equity loan an extra 500.00 this month. Lost all of last month's gain and a little more.
It was fun while it lasted.
Assets
Cash 25,099.36
Retirement 180,782.85
House 80,000.00
Car 1,450.00
Stock 7,107.61
HSA $6,257.71
Total Assets 300,697.53
Liabilities
Mortgage 49,759.06
Helco 3,997.44
Total Liabilities 53,756.50
Net Worth $246,941.03
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Rukh O'Rorke
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Post by Rukh O'Rorke on Sept 1, 2023 21:39:37 GMT -5
Update - Disappointing, I knew my HSA was going to take a hit since I had a test done near the end of July, I did not expect such a drop in retirement. I did pay down my home equity loan an extra 500.00 this month. Lost all of last year's gain and a little more. It was fun while it lasted. Assets Cash 25,099.36 Retirement 180,782.85 House 80,000.00 Car 1,450.00 Stock 7,107.61 HSA $6,257.71 Total Assets 300,697.53 Liabilities Mortgage 49,759.06 Helco 3,997.44 Total Liabilities 53,756.50 Net Worth $246,941.03 We just need to hang on till the next bull market takes off!  |
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tcu2003
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Posts: 4,958
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Post by tcu2003 on Sept 4, 2023 0:12:14 GMT -5
and.....values taking a dive today! I'll make myself feel better by checking ibonds for interest payment....but down about 30k in the market so far, interest isn't going to be much.... still I like to see it This post was the kick in the pants I needed to move a little money from savings to our taxable account. |
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Rukh O'Rorke
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Joined: Jul 4, 2016 13:31:15 GMT -5
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Post by Rukh O'Rorke on Sept 4, 2023 10:43:05 GMT -5
and.....values taking a dive today! I'll make myself feel better by checking ibonds for interest payment....but down about 30k in the market so far, interest isn't going to be much.... still I like to see it This post was the kick in the pants I needed to move a little money from savings to our taxable account.  |
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Ombud
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Joined: Jan 14, 2013 23:21:04 GMT -5
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Post by Ombud on Sept 29, 2023 16:47:27 GMT -5
Ouch!! 🤯 | Schwab Accts: | | % | | Previous: | 993,478
| | Stocks | 792,817
| 83.2%
| | Fixed Income | 160,164
| 16.8%
| | Current | 952,981
| | Difference | -40,497
| | YTD | +12.4%
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ners
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Post by ners on Sept 29, 2023 20:18:43 GMT -5
September update
Assets
Cash 25,201.93
Retirement 173,120.28
House 80,000.00
Car 1,450.00
Stock 6,797.32
HSA 6,357.71
Total Assets 292,927.24
Liabilities
Mortgage 49,549.40
Helco 3,663.43
Total Liabilities 53,212.83
Net Worth 239,714.41
Another month where net worth went down. Oh well just keep plugging away at reducing debt.
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Rukh O'Rorke
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Joined: Jul 4, 2016 13:31:15 GMT -5
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Post by Rukh O'Rorke on Sept 30, 2023 13:21:17 GMT -5
September update Assets Cash 25,201.93 Retirement 173,120.28 House 80,000.00 Car 1,450.00 Stock 6,797.32 HSA 6,357.71 Total Assets 292,927.24 Liabilities Mortgage 49,549.40 Helco 3,663.43 Total Liabilities 53,212.83 Net Worth 239,714.41 Another month where net worth went down. Oh well just keep plugging away at reducing debt.  |
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Rukh O'Rorke
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Joined: Jul 4, 2016 13:31:15 GMT -5
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Post by Rukh O'Rorke on Sept 30, 2023 13:35:10 GMT -5
Update.....
| April 2021 | April 2022 | April 2023 | 04.30.2023 | 05.31.2023 | 06.30.2023 | 08.01.2023 | 08.31.2023 | 09.30.2023 | | 401k and rollovers | $1,304,844
| $1,629,256
| 1,259,436
| 1,147,663
| 1,303,553
| 1,514,727
| 1,550,244
| 1,528,917 | 1,434,154 | | Roth | $197,893
| 213,577
| 122,508
| 98,903
| 122,305
| 158,660
| 156,917
| 152,845 | 147,280 | | I-bonds |
| 17,142
| 24,215
| 26,715 | 34,349
| 34,349 | 34,754
| 34,754 | 34,899 | | Notes, Bills, TIPS |
|
| 7,500
| 7,500
| 7,500
| 7,500 | 7,000 | 6,500 | 6,000 | | Other: EF, ESOP, HSA | $49,159
| 40,640
| -5,101 | -13,712
| -7,924
| 2,731
| 8,256
| 7,445 | 6,149 | | Total |
$1,551,896
| $1,900,615
| 1,408,558
| 1,267,069 | 1,459,783
| 1,717,968
| 1,757,171
| 1,730,961 | 1,628,482 |
down over 100k....better redo those simulations!  |
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tcu2003
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Joined: Dec 31, 2010 15:24:01 GMT -5
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Post by tcu2003 on Sept 30, 2023 22:29:13 GMT -5
Here is my September 2023 update:
ASSETS:
Checking/Savings: $216,888
House: $512,700
Retirement: $1,835,732
Brokerage: $65,004
529s: $96,476
DEBTS:
$0
Total NW: $2,726,800
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 down over 3% thanks to the stock market. But otherwise, no big changes last month over the previous months.
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aricia
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Post by aricia on Oct 2, 2023 10:52:03 GMT -5
10/1/2023
Assets:
House: $300,000+
Cash: $390,000
I bonds: $270,000
Brokerage: $205,000
401k/IRAs: $1,365,000
HSA: $45,000
529s: $75,000
Cars (4): $30,000
Net worth: $2,680,000
Paid half ($9500) towards our new roof.
Paid ~$2500 for airfare and lodging for a fall vacation to Florida. I’m guessing another $1500 to cover the rest.
Found out my state increased the 529 tax credit this year so I will be adding another $2500 to those in order to maximize the benefit.
My kids have some I bonds that have now moved to the lower interest rates. (Not included in my net worth statement.) I think I’ll sell them in January when they can take the three month penalty at the lower rate. Will probably just put it back in their savings accounts but could always rebuy I bonds with a higher fixed rate. The current ones are 0%.
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Ava
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Post by Ava on Oct 2, 2023 22:12:58 GMT -5
Update for October 2, 2023
Assets
Cash $5,900
Car $13,542 per Kelley Blue Book
Condo $108,900 per Zillow
Retirement Accounts (Roth IRA, Trad. IRA, 401K, ESOP) $273,449
HSA $28,394
Total Assets $430,185
Liabilities
Credit Card $2,849- This is a Fidelity Visa card that I use for everything and it gives 2% back.
Car Loan- $7,459
Mortgage- $49,329
Student Loan- $77,470
Total Liabilities- $137,107
Total Net Worth $293,078
Prior Net Worth $290,792- June 29, 2023
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Rukh O'Rorke
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Post by Rukh O'Rorke on Oct 3, 2023 10:42:21 GMT -5
Update for October 2, 2023 Assets Cash $5,900 Car $13,542 per Kelley Blue Book Condo $108,900 per Zillow Retirement Accounts (Roth IRA, Trad. IRA, 401K, ESOP) $273,449 HSA $28,394 Total Assets $430,185 Liabilities Credit Card $2,849- This is a Fidelity Visa card that I use for everything and it gives 2% back. Car Loan- $7,459 Mortgage- $49,329 Student Loan- $77,470 Total Liabilities- $137,107 Total Net Worth $293,078 Prior Net Worth $290,792- June 29, 2023 Going up? Nice job! |
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Post by minnesotapaintlady on Oct 3, 2023 11:51:50 GMT -5
I guess I haven't updated since August. Probably because it's no fun when it's going down.  Except for 10K for paying off student loans I moved all of DS's 529 back into stocks. It was pretty heavy in cash and bonds the past 7 or 8 years, but unless he decides to go to grad school he won't need it anymore and Carrot has a longer time frame. Of course now I'm watching his 529 tank. Cash and bonds have their upsides! Mortgage - $73,324 CC debt - $3129 Total Debt $76,453Cash and Savings - $54,038 529s - $60,295 Retirement - $841,367 House - $300,000 Total Assets $1,255,690Net Worth $1,179,237
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Rukh O'Rorke
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Post by Rukh O'Rorke on Oct 4, 2023 10:28:36 GMT -5
I guess I haven't updated since August. Probably because it's no fun when it's going down. Except for 10K for paying off student loans I moved all of DS's 529 back into stocks. It was pretty heavy in cash and bonds the past 7 or 8 years, but unless he decides to go to grad school he won't need it anymore and Carrot has a longer time frame. Of course now I'm watching his 529 tank. Cash and bonds have their upsides! Mortgage - $73,324 CC debt - $3129 Total Debt $76,453Cash and Savings - $54,038 529s - $60,295 Retirement - $841,367 House - $300,000 Total Assets $1,255,690Net Worth $1,179,237
but I remember when you were gunning for 1M! and then for 800k in retirements, crushed and crushed!  Only 4 years 11 months till your flat market hypothesis is over.....keep plugging away! |
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Post by minnesotapaintlady on Oct 4, 2023 10:48:59 GMT -5
I guess I haven't updated since August. Probably because it's no fun when it's going down. Except for 10K for paying off student loans I moved all of DS's 529 back into stocks. It was pretty heavy in cash and bonds the past 7 or 8 years, but unless he decides to go to grad school he won't need it anymore and Carrot has a longer time frame. Of course now I'm watching his 529 tank. Cash and bonds have their upsides! Mortgage - $73,324 CC debt - $3129 Total Debt $76,453Cash and Savings - $54,038 529s - $60,295 Retirement - $841,367 House - $300,000 Total Assets $1,255,690Net Worth $1,179,237
but I remember when you were gunning for 1M! and then for 800k in retirements, crushed and crushed! Only 4 years 11 months till your flat market hypothesis is over.....keep plugging away! I was within spitting distance of 900K in retirement accounts not too long ago! |
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Rukh O'Rorke
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Post by Rukh O'Rorke on Oct 4, 2023 16:28:20 GMT -5
but I remember when you were gunning for 1M! and then for 800k in retirements, crushed and crushed! Only 4 years 11 months till your flat market hypothesis is over.....keep plugging away! I was within spitting distance of 900K in retirement accounts not too long ago! its on the way! Keep buying, cheaper than they were when you were spitting.... |
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Ombud
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Post by Ombud on Oct 31, 2023 15:05:24 GMT -5
| Schwab Accts: | | % | | Previous: | 952,981
| | Stocks | 773,794
| 83%
| | Fixed Income | 160,354
| 17%
| | Current | 933,813
| | Difference | -19,168
| | YTD | +10.36%
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Anyone even this month? |
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ners
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Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,658
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Post by ners on Oct 31, 2023 17:57:31 GMT -5
Check in
Down again. This month by a little over 4400.00
Cash 25,279.33
Retirement 168,174.86
House 80,000.00
Car 1,400.00
Stock 6,661.05
HSA $6,457.71
Total Assets 287,972.95
Liabilities
Mortgage 49,338.84
Helco 3,329.53
Total Liabilities 52,668.37
Net Worth $235,304.58
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Rukh O'Rorke
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Post by Rukh O'Rorke on Nov 1, 2023 17:24:24 GMT -5
Update.....
| 08.31.2023 | 09.30.2023 | 11.01.2023 | | 401k and rollovers | 1,528,917 | 1,434,154 | 1,319,318
| | Roth | 152,845 | 147,280 | 121,865
| | I-bonds | 34,754 | 34,899 | 35,172
| | Notes, Bills, TIPS | 6,500 | 6,000 | 5,500 | | Other: EF, ESOP, HSA | 7,445 | 6,149 | -2,080 | | Total | 1,730,961 | 1,628,482 | 1,479,775
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and down another 200k this month.....sigh! Just as a balance bump would give me a little more peace of mind right now..... |
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azucena
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Post by azucena on Nov 2, 2023 15:05:37 GMT -5
MPL - don't look as often, like me and Chiver.
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Post by minnesotapaintlady on Nov 2, 2023 19:13:41 GMT -5
MPL - don't look as often, like me and Chiver. My OCD won't let me stop at this point. I have a spreadsheet with monthly NW reporting going back almost 12 years now. I've only missed one month in all those years. It was August 2013 and that blank line still bugs me! |
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Rukh O'Rorke
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Post by Rukh O'Rorke on Nov 3, 2023 13:18:03 GMT -5
It's becoming less fun updating.  Mortgage - $72,991 CC debt - $4816 Total Debt $77,807Cash and Savings - $53,627 529s - $60,291 Retirement - $825,323 House - $300,000 Total Assets $1,239,231Net Worth $1,161,424 Keep building your position! The next bull run is just around the corner....  |
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tcu2003
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Post by tcu2003 on Nov 30, 2023 23:43:25 GMT -5
Whoops...missed updating in October. I updated in my spreadsheet, but never noted it here. Oh well, it was down, but yay for November being up (finally)!
Here is my November 2023 update:
ASSETS:
Checking/Savings: $213,572
House: $512,700
Retirement: $1,972,111
Brokerage: $69,680
529s: $104,737
DEBTS:
$0
Total NW: $2,872,800
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 7% this month. DH is dangerously close to being in the 2 comma club in his 401k, so we'll see what happens next month. He hit that milestone in 2021 for a few months, but hasn't seen it since. And the kids (combined) 529s hit a new milestone, so that's good news.
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tcu2003
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Joined: Dec 31, 2010 15:24:01 GMT -5
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Post by tcu2003 on Nov 30, 2023 23:43:45 GMT -5
MPL - don't look as often, like me and Chiver. My OCD won't let me stop at this point. I have a spreadsheet with monthly NW reporting going back almost 12 years now. I've only missed one month in all those years. It was August 2013 and that blank line still bugs me! It looks better this month! |
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Post by minnesotapaintlady on Dec 1, 2023 0:16:19 GMT -5
Much better. Up about 6% from last month. Mortgage - $72,656 CC debt - $2503 Total Debt $75,159Cash and Savings - $51,184 529s - $64,199 Retirement - $895,644 House - $300,000 Total Assets $1,310,027Net Worth $1,235,868
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Rukh O'Rorke
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Post by Rukh O'Rorke on Dec 1, 2023 9:29:02 GMT -5
Update.....
| 08.31.2023 | 09.30.2023 | 11.01.2023 | 12.01.2023 | | 401k and rollovers | 1,528,917 | 1,434,154 | 1,319,318
| 1,490,478
| | Roth | 152,845 | 147,280 | 121,865
| 140,631
| | I-bonds | 34,754 | 34,899 | 35,172
| 35,291
| | Notes, Bills, TIPS | 6,500 | 6,000 | 5,500 | 5,000 | | Other: EF, ESOP, HSA | 7,445 | 6,149 | -2,080 | 5,270
| | Total | 1,730,961 | 1,628,482 | 1,479,775
| 1,676,670
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an upswing on the rollcoaster this month! Las month was down 200k, this month up 200k....work situation is stable again so feeling much more secure. Last month was tough!  Need to figure out my new AA, since this is happening across a lot of account, need to parse it out... |
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Rukh O'Rorke
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Post by Rukh O'Rorke on Dec 1, 2023 9:59:35 GMT -5
ok - current AA is 88% stocks/ETFs/MF and 12% cash and equivalents. Which my taget was 90/10, but I guess my new target is to hve 3 years in cash so I can pull the plug whenever and I'm not there yet, so....rethinking cash part and target AA? I guess I've gotten myself confused with my new and improved modeling that includes SS at 70, and the mortgage, car and student loans dropping out of repayment along the way. While this means my target amount is much less than a strict 25xexpenses - it also means that 3 years of expenses before SS kicks in or any loans paid off is going to be a lot more than 10% or so. Based on my spreadsheet with expected soc sec at 70, my minimum number is 1,882,936 for a level 100k spend, and then modeling at age 60 retirement (1 year!) with the dropping off of debts I have 100% success rate: engaging-data.com/will-money-last-retire-early/?spend=62000&initsav=1880000&age=60&yrs=40&stockpct=80&bondpct=0&cashpct=20&sex=1&infl=1&taxrate=15&fees=0.1&income=44000&incstart=70&incend=100&expense=14000;15000;10000&expstart=60;60;60&expend=87;68;64&showdeath=0&showlow=1&show2x=1&show5x=1&flexpct=10&spendthreshold=100&mort=ssbut I am already over that for this year and a lot more living to do! I went over 100k spend in like October actually. Lots of vet expenses, medical expenses, and took a vacation....but that could happen any year! Need to pull in some budget stuff, as I don't think a spend of over 100k is going to ever get me retired, lol |
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Post by minnesotapaintlady on Dec 1, 2023 19:58:55 GMT -5
Well, today was a good day! Retirement accounts jumped more than 7K and put me over 900K.
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