Net Worth – Q1 2017

We crossed the $100,000 mark in liquid assets this quarter!

Assets

  • Home (Estimated Market Value): $70,000
  • 401(k): $79,308
  • tIRA: $20,160
  • Non-Earmarked Cash: $2,959
  • HSA (invested portion): $1,028
  • Total: 173,455
  • Assets towards FI: $103,455
    • Approximate passive income this would generate annually: $4,138

Liabilities

  • Home Mortgage: $98,192 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Alchemist A): $603 @0.1%
  • Student Loan (Alchemist B): $20,372 @4.8% (variable)
  • Total: $119,167

Net Worth: $54,288

Net Worth Last Quarter: $41,004

Net Worth 1 Year Ago: $24,258

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

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Net Worth – End 2016

Some really nice progress in Q4. If we can avoid too many major expenses in 2017 it should be a great year for our goals unless Mr. Market puts stocks on sale in which case it’s still good for the longterm.

Assets

  • Home (Estimated Market Value): $70,000
  • 401(k): $69,150
  • tIRA: $19,056
  • Non-Earmarked Cash: $2,450
  • HSA (invested portion): $1,027
  • Total: 161,683
  • Assets towards FI: $91,683
    • Approximate passive income this would generate annually: $3,667

Liabilities

  • Home Mortgage: $98,941 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Alchemist A): $801 @0.1%
  • Student Loan (Alchemist B): $20,937 @4.36% (variable rate that has been slowly rising)
  • Total: $120,679

Net Worth: $41,004

Net Worth Last Quarter: $32,905

Net Worth 1 Year Ago: $9,863

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


Net Worth – Q3 2016

For now I think I’m still comfortable publicly updating our net worth progress. It’s a high-level look at our progress to our goals.

Assets

  • Home (Estimated Market Value): $70,000
  • 401(k): $65,191
  • tIRA: $18,303
  • Non-Earmarked Cash: $500 (We have much more cash on hand but a lot of it is going to be eaten up by the transmission rebuild that’s currently in progress.)
  • HSA (invested portion): $987
  • Total: 154,981
  • Assets towards FI: $84,981
    • Approximate passive income this would generate annually: $3,399

Liabilities

  • Home Mortgage: $99,579 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Alchemist A): $999 @0.1%
  • Student Loan (Alchemist B): $21,498 @3.9%
  • Total: $122,076

Net Worth: $32,905

Net Worth Last Quarter: $26,991

Net Worth 1 Year Ago: $15,371

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


Net Worth – Q2 2016

Assets

  • Home (Estimated Market Value): $70,000
  • 401(k): $61,122
  • tIRA: $17,532
  • Non-Earmarked Cash: $1,350
  • HSA (invested portion): $946
  • Total: 150,950
  • Assets towards FI: $80,950
    • Approximate passive income this would generate annually: $3,238

Liabilities

  • Home Mortgage: $100,701 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Alchemist A): $1,197 @0.1%
  • Student Loan (Alchemist B): $22,061 @3.9%
  • Medical Debt @0%: $0 –>retired since last update
  • Total: $123,959

Net Worth: $26,991

Net Worth Last Quarter: $24,258

Net Worth 1 Year Ago: $17,213

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


Net Worth – Q1 2016

Assets

  • Home (Estimated Market Value): $70,000
  • 401(k): $59,194
  • tIRA: $17,090
  • Non-Earmarked Cash: $3,000
  • HSA (invested portion): $922
  • Total: 150,206
  • Assets towards FI: $80,206
    • Approximate passive income this would generate annually: $3,208

Liabilities

  • Home Mortgage: $101,803 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Chief): $–>retired since last update
  • Student Loan (Alchemist A): $1,396 @0.1%
  • Student Loan (Alchemist B): $22,624 @3.9%
  • Medical Debt @0%: $125
  • Total: $125,948

Net Worth: $24,258

Net Worth Last Quarter: $9,863

Net Worth 1 Year Ago: $5,848

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


Net Worth – End 2015

Assets

  • 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

Liabilities

  • 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.


Goblin Hoard – Net Worth Q3 2015

Assets

  • Home (Estimated Market Value): $80,000
  • 401(k): $50,594
  • tIRA: $15,918
  • Non-Earmarked Cash: $2,156
  • 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: $148,668
  • Assets towards FI: $68,668
    • Approximate passive income this would generate: $228

Liabilities

  • Home Mortgage: $103,026 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Chief A): PAID OFF
  • Student Loan (Chief B): $4,179 @6.5%
  • Student Loan (Alchemist A): $1,792 @0.1%
  • Student Loan (Alchemist B): $23,728 @3.9%
  • Medical Debt @0%: $572
  • Total: $133,297

Net Worth: $15,371

Net Worth Q3 2015