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Archive for December, 2019: Ceejay74's Personal Finance Blog
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Archive for December, 2019

December 2019 retirement goal update

December 31st, 2019 at 03:54 pm

Goal: $784,772 by March 2024

Current retirement balance: $541,036

November 2019 balance: $517,266

Progress since last update: $23,770

Still needed: $243,736

The new interim goal is based on getting my and NT's retirement to 4x our salaries (currently $75,120 and $64,118) by the time we turn 50 and AS's retirement values to 3x her annual income ($75,940 in 2018) by the time she turns 45.
$75,120 x 4 = $300,480
$64,118 x 4 = $256,472
$75,940 x 3 = $227,820

It will shift anytime our salary/annual income changes. (The only exception is I won't lower AS's if she has a lower-income year, because her income fluctuates. So I'm keeping it at the 2018 level because her 2019 income was a little less.)

There are 51 months to go before March 2024, so that means we need to gain $4779 per month on average to meet our goal.

The ultimate goal we're working toward is 8x our annual income by the time we retire at 65.

December 2019 net worth update

December 31st, 2019 at 03:41 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $86,522
NT's Roth IRA: $43,321
AS's trad. IRA: $21,896
AS's Roth IRA: $64,340
AS's SEP IRA: $45,359
CJ's 401(k): $160,289
CJ's Roth IRA: $46,926
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,180,817

Debts:
US Mortgage $374,193
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,238
UK Mortgage 2 $6,164
UK Mortgage 3 $6,490
---
TOTAL DEBT $425,085

Current Estimated Net Worth: $755,732

November 2019 estimate: $730,941

Change in net worth: +$24,791

Summary: A really big month propelled us past the three-quarter-million net worth mark! Part of it was AS's quarterly retirement contribution -- she had a huge fourth quarter so I put in over $4K. I know volatility is still on the horizon but it's waited awhile, so I'll enjoy the gains while I can!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

Note to self for next retirement goal update

December 5th, 2019 at 04:27 pm

Shoot, I just realized I forgot to factor in NT's annual salary since he got a raise in October! That changes our retirement goalpost. I'll update next month. To remind myself, salary WAS $62,100 and is NOW $64,118.

December 2019 debt payments

December 3rd, 2019 at 04:21 pm

All our mortgage payments hit:

US Mortgage $760 to principal
UK Mortgage 1 $183
UK Mortgage 2 $37
UK Mortgage 3 $41

All told, that's $1,021 of debt paid.

New household debt totals:

US Mortgage $374,193
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,238
UK Mortgage 2 $6,164
UK Mortgage 3 $6,490

TOTAL DEBT $425,085

November 2019 retirement goal update

December 3rd, 2019 at 04:04 pm

Goal: $776,700 by March 2024

Current retirement balance: $517,266

October 2019 balance: $506,160

Progress since last update: $11,106

Still needed: $259,434

The new interim goal is based on getting my and NT's retirement to 4x our salaries (currently $75,120 and $62,100) by the time we turn 50 and AS's retirement values to 3x her annual income ($75,940 in 2018) by the time she turns 45.
$75,120 x 4 = $300,480
$62,100 x 4 = $248,400
$75,940 x 3 = $227,820

It will shift anytime our salary/annual income changes.

There are 52 months to go before March 2024, so that means we need to gain $4989 per month on average to meet our goal.

The ultimate goal we're working toward is 8x our annual income by the time we retire at 65.

November 2019 net worth update

December 3rd, 2019 at 03:45 pm

I was so busy last month that I'm late on my update. Therefore some retirement contributions that would ordinarily show up in my December net worth update will be here. This note will remind me not to be disappointed at our progress end of December! Smile

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,940
NT's Roth IRA: $40,895
AS's trad. IRA: $21,198
AS's Roth IRA: $62,163
AS's SEP IRA: $37,479
CJ's 401(k): $154,863
CJ's Roth IRA: $45,345
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,157,047

Debts:
US Mortgage $374,953
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,421
UK Mortgage 2 $6,201
UK Mortgage 3 $6,531
---
TOTAL DEBT $426,106

Current Estimated Net Worth: $730,941

October 2019 estimate: $718,815

Change in net worth: +$12,126

Summary: Another good month, also bolstered by the fact that December contributions got in here as well. I'll enjoy the gains while I can!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.