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August 2025 net worth update
September 10th, 2025 at 03:01 pm
I can finally access blogs and write entries, hooray! There was about a week when I couldn't, so I couldn't make my usual monthly net worth post.
It was pretty good news for August: about a $25K bump in net worth, mostly due to retirement fund values increasing. We're comfortably at CoastFIRE with a $140K surplus. I tried the calculator with different ages than my 65 goal, and it says I could theoretically retire at 62 and still be at CoastFIRE status. To retire at 61 (10 years from now) we would have to continue our current contributions ($250 per month) for 6 more years. To retire at 60 we would have to up our retirement contributions to $650 per month for the next 9 years (basically no CoastFIRE, just save til retirement).
Who knows what the future will bring, but it's kind of fun playing around with the numbers! We are currently on a European vacation that is definitely over our travel budget for this year, and we're facing spending overages in nearly every category this year, so it's good to feel like our retirement nest egg is healthy at least. I hope it doesn't crash too terribly in the coming months/years.
| Assets |
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| NT's UK pensions: |
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| AV1: 29,509 pounds |
$36,886 |
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| SW: 37,117 pounds |
$46,396 |
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| AV2: 7,971 pounds |
$9,964 |
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| NT's trad. rollover IRA |
$148,165 |
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| NT's Roth IRA |
$98,902 |
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| NT's SEP IRA |
$8,521 |
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| NT's AAC acct |
$12,838 |
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| AS's trad. rollover IRA |
$36,989 |
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| AS's Roth IRA |
$139,800 |
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| AS's SEP IRA |
$99,598 |
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| AS's Nevada acct (approx amt) |
$380 |
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| CJ's trad. rollover IRA |
$313,519 |
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| CJ's Roth IRA |
$106,807 |
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| CJ/NT/AS house ($643,000 value -6%) |
$604,420 |
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| CJ/NT/AS rental property ($599,000 value -6%) |
$563,060 |
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| TOTAL ASSETS |
$2,226,245 |
retirement only: |
$1,058,765 |
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| Debt |
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| Main mortgage |
$323,890 |
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| Rental property mortgage |
$371,685 |
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| Loan from friends (main house) |
$9,000 |
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| TOTAL DEBT |
$704,575 |
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| Current Estimated Net Worth August 2025 |
$1,521,670 |
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| July 2025 estimate: |
$1,495,179 |
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| Change in net worth |
$26,491 |
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| COAST FIRE: |
https://walletburst.com/tools/coast-fire-calc/ |
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| retirement goal |
$1.59 million by 2039 (CJ age 65) |
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| Current age: 51 |
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| Retirement age: 65 |
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| Annual spending in retirement: $63,600 |
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| Monthly contribution: $250 |
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| Investment growth rate: 7% |
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| Inflation rate: 3% |
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| Withdrawal rate: 4% |
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| Current invested assets |
$1,058,765 |
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| Coast FIRE number at current age |
$918,185 |
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| Current status: at Coast FIRE with surplus: |
$140,580 |
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| Coast FIRE budget |
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| Ideal budget |
Monthly |
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| Housing |
$0 |
(rent will cover prop expenses) |
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| Healthcare |
$1,500 |
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| Groceries |
$1,000 |
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| Fun |
$1,500 |
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| Travel |
$1,000 |
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| Utilities |
$500 |
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| Giving |
$500 |
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| Home improvement |
$500 |
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| Gifts |
$250 |
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| Transportation |
$250 |
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| Monthly |
$7,000 |
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| Minus add'l rental income |
-$1,700 |
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| Total monthly |
$5,300 |
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| Annual |
$63,600 |
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| SSN estimates 2024 |
Start age 62 |
Start age 70 |
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| Monthly benefit |
$4,200 |
$7,200 |
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| Plus monthly from retirement |
$5,300 |
$5,300 |
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| Total monthly |
$9,500 |
$12,500 |
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Posted in
Tracking Net Worth
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3 Comments »
226350
Leave a Reply
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September 11th, 2025 at 06:15 pm 1757614518
I agree, it was frustrating when we couldn't get into the blogs.
September 16th, 2025 at 02:32 pm 1758033131
October 2nd, 2025 at 03:24 am 1759375497