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Home > Archive: October, 2025
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Archive for October, 2025
October 31st, 2025 at 10:55 pm
I have to play catchup on photos again! Hopefully I'll find time tomorrow. Meanwhile here's our net worth update.
It was another pretty good month thanks mainly to retirement gains. I still expect the bubble to burst at some point, but we have a nearly $190K surplus on our CoastFIRE balance, so I'm not too worried. Also there's always a rebound after a downturn, and we've got at least another decade before we fully retire.
Next month our debt will go under $700K, which would be a cool milestone except it's looking much more certain that we will not even come close to paying off our HELOC this year, so whatever that balance is on 12/31 I'll be adding that to our "official" debt balance.
| 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: 8,462 pounds |
$10,578 |
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| NT's trad. rollover IRA |
$155,219 |
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| NT's Roth IRA |
$103,586 |
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| NT's SEP IRA |
$8,950 |
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| NT's AAC acct |
$14,314 |
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| AS's trad. rollover IRA |
$38,724 |
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| AS's Roth IRA |
$146,834 |
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| AS's SEP IRA |
$104,315 |
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| AS's Nevada acct (approx amt) |
$380 |
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| CJ's trad. rollover IRA |
$326,634 |
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| CJ's Roth IRA |
$111,865 |
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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 |
$2,272,161 |
retirement only: |
$1,104,681 |
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| Debt |
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| Main mortgage |
$322,004 |
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| Rental property mortgage |
$370,364 |
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| Loan from friends (main house) |
$9,000 |
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| TOTAL DEBT |
$701,368 |
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| Current Estimated Net Worth September 2025 |
$1,570,793 |
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| September 2025 estimate: |
$1,549,688 |
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| Change in net worth |
$21,105 |
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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 |
$1,104,681 |
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| Coast FIRE number at current age |
$918,185 |
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| Current status: at Coast FIRE with surplus: |
$186,496 |
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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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1 Comments »
October 22nd, 2025 at 04:00 am
Once again I got super busy, this time going to DC (by way of Baltimore airport) and Northern Virginia (hence "DMV" which is a common abbreviation for the area--thank goodness I didn't spend 5 days in the Dept of Motor Vehicles!!). It was just the parents--the kids stayed home again (with their godfather in the lower part of the duplex, so not really "home alone").
We flew in Thursday and I didn't take many pics, but I did take one of a mezcal menu to text my friend who's a fan of the liquor to ask his advice on which flight to order, heheh. (He didn't answer so I picked at random.)
On Friday, we went to a fancy little awards gala for Black authors, where the main awards were called "the Zoras" (after Zora Neale Hurston). Afterward in the bar we ended up at a table with two of the winners, so I snapped a pic of their trophies!
On Saturday we had another fancy event in the evening associated with this same group, but first, during the day, NT and I attended the DC No Kings rally! It was massive, and very peaceful, and we got to hear Bernie Sanders speak (though we couldn't see him from where we were).
On Sunday, I went to Northern Va. where my dad lives. All three of my sisters plus some nieces and nephews came by for a few hours too. I didn't take many pics that don't have my relatives' faces in them, but I did snap one of my kid V's wallet, which they thought was gone forever but had actually been left at my sister's on their last visit a few months before. More than the wallet, they'd been super sad about the leather "chip" in it from their first YMCA camp, so I texted a pic right away!
I stayed at my dad's Sunday night and in the afternoon we had one more game of Scrabble before I headed to the airport. It was a close one til I got a big triple-word score near the end. With this win, I beat him 2 out of 3. (His final score is hard to read but it's 276.) But I had to work hard for those wins--he's 94 years old but his brain is sharp as a tack!
I didn't take any pics today but doing this post reminded me to, so here's a shot of my other kitty Clue! She's the same age as the sick old cat, but she's more independent and busy so she's not hanging around me trying to get a cuddle all the time.
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October 17th, 2025 at 09:12 pm
Hahaha, I drastically underestimated how hectic my October is; I've got so much going on and trying to get my paid work done in between other things has made for crazy days that are over before I know it. Well, I've got a couple hours of downtime right now, so I looked through my phone to see if I happened to take any pics this last week. Not many, but here are a few:
Saturday 10/11
I spent Friday-Sunday in a DIY in-town "writer's retreat" with a friend; we visited libraries, coffeeshops and other locations around Minneapolis and wrote intensively at each one. I got over 10K words written but didn't take many photos! However, after our full day of writing Saturday I caught a good music show in a charming dive bar, and I liked this pic from it:
Tuesday 10/14
Our sick cat loves to sit on my lap when I'm trying to get work done because I work on the couch. Usually he cuddles down where the computer would go so AS got me this table that fits over him so I can keep working while he sleeps. But that day, he decided to sit in such a way that the table was rendered useless because it wouldn't fit over him. So I took a pic to send AS:
Thursday 10/16
I was in a bad mood and having trouble focusing so I took a walk around the neighborhood. The fresh air and exercise cleared my head and this Halloween display cheered me up by making me laugh:
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October 10th, 2025 at 12:40 am
I remembered to take a photo while I was prepping dinner. Not very aesthetic or exciting but here tis! This is a recipe called Pasta Della California from the cookbook Veganomicon by Isa Chandra Moskowicz. I don't know when we started topping it with chopped up vegan chikn nuggets, but that was part of it (not pictured).
It contains lime juice and zest, garlic, chili flakes, salt, veggie broth, white wine, broccoli, arugula and avocado. Usually I do it with linguine but had to settle for spaghetti tonight.
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October 9th, 2025 at 05:25 am
I've been wanting to get more active on the blogs again for, like, years, but the things I need and love to do have just expanded and filled every nook and cranny of my life, it seems. So blogging at the level I used to just seemed daunting. This photo game feels like a low-stakes (in terms of time and mental effort) way to hang out with y'all more, so I'm going to try. If I happen to take a photo and if I happen to remember to post it, I shall.
This was the only pic I took today. Our kitchen's heated floor just got turned on after our unseasonably warm fall finally cooled off, and so immediately the critters started gravitating to it. This is my oldest kid (AA, 15) and one of our two old cats, Whiskers (Whiskey). He's the one with cancer; he's also got a benign tumor on his back (unrelated to the terminal cancer) that he'll scratch until it's gouged and bleeding, so we put him in baby shirts now. He can even do a lot of damage through T-shirt material, so AS sews denim patches over the tumor spot. Now he can scratch to his heart's content and not bloody up his back!
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