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Home > Archive: November, 2025
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Archive for November, 2025
December 1st, 2025 at 02:22 am
Wow, it's just wild to me that it's already the end of the year. I started working on my 2026 Annual Budget this weekend! I have to wait to see how a bunch of things shake out before I finalize it, but I did what I could at this point.
We had very small increases to our retirement and paid off about $1800 of debt principal, so we had a $6K increase to our net worth. Since it appears impossible that we'll pay off our HELOC by the end of the year, which was my deadline before I add it to our "official" debt on our net worth spreadsheet, I fully expect our net worth to decrease at the end of the year even if the markets go up.
But luckily we're over $190K ahead of where we need to be for CoastFIRE, so I'm not worried about it. Probably the worst case scenario is we'll still have $25K of debt in our HELOC, which is a bummer but won't make a huge dent in our Coast surplus. And I'm hoping when I tally things at the end of the year that I can pay it down a little so it'll be less debt than that.
EDIT: I forgot we received an annual update on one of NT's UK pensions, which increased by about US$6,000, so at least that means this month's net worth increase was double what I thought--just over $12K!
| NT's UK pensions: |
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| AV1: 29,509 pounds |
$36,886 |
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| SW: 41,722 pounds |
$52,153 |
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| AV2: 8,462 pounds |
$10,578 |
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| NT's trad. rollover IRA |
$155,865 |
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| NT's Roth IRA |
$104,028 |
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| NT's SEP IRA |
$8,987 |
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| NT's AAC acct |
$14,794 |
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| AS's trad. rollover IRA |
$38,889 |
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| AS's Roth IRA |
$147,449 |
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| AS's SEP IRA |
$104,760 |
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| AS's Nevada acct (approx amt) |
$380 |
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| CJ's trad. rollover IRA |
$328,040 |
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| CJ's Roth IRA |
$112,343 |
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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 |
$2,282,631 |
retirement only: |
$1,115,151 |
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| Debt |
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| Main mortgage |
$321,058 |
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| Rental property mortgage |
$369,700 |
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| Loan from friends (main house) |
$9,000 |
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| TOTAL DEBT |
$699,758 |
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| Current Estimated Net Worth November 2025 |
$1,582,873 |
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| October 2025 estimate: |
$1,570,793 |
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| Change in net worth |
$12,080 |
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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 |
$1,115,151 |
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| Coast FIRE number at current age |
$918,185 |
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| Current status: at Coast FIRE with surplus: |
$196,966 |
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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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