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October 2025 net worth update
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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November 6th, 2025 at 07:58 pm 1762459090