Net Worth – End 2015


  • Home (Estimated Market Value): $70,000 (lowered from 80K, because this is a more honest net value)
  • 401(k): $55,090
  • tIRA: $17,070
  • Non-Earmarked Cash: $1,000
  • HSA: we do have some HSA savings, but at this point I’m counting it as “spent” money already. Once the balance gets sufficiently large (who knows when?) I’ll factor this in with NW.
  • Total: $143,160
  • Assets towards FI: $73,160
    • Approximate passive income this would generate annually: $2,900


  • Home Mortgage: $102,440 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Chief): $1,928 @2%
  • Student Loan (Alchemist A): $1,593 @0.1%
  • Student Loan (Alchemist B): $23,144 @3.9%
  • Medical Debt @0%: $341
  • Total: $133,297

Net Worth: $9,863

Net Worth Last Quarter*: $5,371

Net Worth 1 Year Ago*: -$13,776

Net Worth At the Start (End 2013)*: -$33,948

*retroactively adjusted for lower house value.


3 Comments on “Net Worth – End 2015”

  1. Holy smokes, that’s an impressive net worth gain! Hard to believe you were passing zero not that long ago–wasn’t it barely a year?

    Accurate figures not available before March, but over here we’re confronting the hard truth that we treaded water last year.

  2. MsGizmo says:

    This is awesome!! Congrats. I can’t wait until my net worth is positive (large student loan debt will make this take years.)

  3. AK says:

    We just recently passed $10k net worth, and that was mentally huge for us! It actually felt better than when we passed 0 net worth. Plus, when we got in the positives, it feels so much better to look at an actual positive growth each month as opposed to just a reduction in a negative, you know?

    Best of luck to you!

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