|
|
|
March 2026 net worth update
March 31st, 2026 at 04:42 pm
Well, it was a rough month for net worth, but not really a surprise considering who's steering the ship of this crazy country.
Part of it was us: AS and I had a low-income start to the year, so we had to take another $2500 out of the HELOC. Luckily we've got a big few months coming in April and May so we should be able to pay back that amount soon. We also took out a loan for replacing some of our ancient windows. We had a plan for paying back a big chunk of that this year, but then our boiler went out and needs a full replacement, so we'll probably end up putting all the money meant for the windows into paying for the boiler. Long story short, the windows go on our debt column for the time being. At least we did pay off the minimum on our mortgages and HELOC. Total debt added about $15K all told.
Then our retirement accounts all took a hit. Total across all accounts $81K.
So yeah, our net worth went down nearly $100K in a month. About 6%.
But, bright side, we had that healthy CoastFIRE surplus, so we're still at Coast with a $135,357 cushion!
| Assets |
|
|
|
| NT's UK pensions: |
|
|
|
| AV1: 29,509 pounds |
$36,886 |
|
|
| SW: 41,722 pounds |
$52,153 |
|
|
| AV2: 8,462 pounds |
$10,578 |
|
|
| NT's trad. rollover IRA |
$151,442 |
|
|
| NT's Roth IRA |
$101,086 |
|
|
| NT's SEP IRA |
$8,713 |
|
|
| NT's AAC acct |
$17,350 |
|
|
| AS's trad. rollover IRA |
$37,794 |
|
|
| AS's Roth IRA |
$142,955 |
|
|
| AS's SEP IRA |
$101,796 |
|
|
| AS's Nevada acct (approx amt) |
$380 |
|
|
| CJ's trad. rollover IRA |
$319,973 |
|
|
| CJ's Roth IRA |
$109,165 |
|
|
| CJ/NT/AS house ($643,000 value -6%) |
$604,420 |
|
|
| CJ/NT/AS rental property ($599,000 value -6%) |
$563,060 |
|
|
| TOTAL ASSETS |
$2,257,750 |
retirement only: |
$1,090,270 |
| |
|
|
|
| Debt |
|
|
|
| Main mortgage |
$317,245 |
|
|
| Rental property mortgage |
$367,695 |
|
|
| HELOC |
$29,100 |
|
|
| Windows |
$14,950 |
|
|
| Loan from friends (main house) |
$9,000 |
|
|
| TOTAL DEBT |
$737,990 |
|
|
| |
|
|
|
| Current Estimated Net Worth March 2026 |
$1,519,760 |
|
|
| |
|
|
|
| February 2026 estimate: |
$1,616,786 |
|
|
| |
|
|
|
| Change in net worth |
-$97,026 |
|
|
| |
|
|
|
| |
|
|
|
| COAST FIRE: |
https://walletburst.com/tools/coast-fire-calc/ |
|
|
| retirement goal |
$1.59 million by 2039 (CJ age 65) |
|
|
| |
|
|
|
| Current age: 52 |
|
|
|
| Retirement age: 65 |
|
|
|
| Annual spending in retirement: $63,600 |
|
|
|
| Monthly contribution: $250 |
|
|
|
| Investment growth rate: 7% |
|
|
|
| Inflation rate: 3% |
|
|
|
| Withdrawal rate: 4% |
|
|
|
| Current invested assets |
$1,090,270 |
|
|
| Coast FIRE number at current age |
$954,913 |
|
|
| Current status: at Coast FIRE with surplus: |
$135,357 |
|
|
| |
|
|
|
| |
|
|
|
| Coast FIRE budget |
|
|
|
| Ideal budget |
Monthly |
|
|
| Housing |
$0 |
(rent will cover prop expenses) |
|
| Healthcare |
$1,500 |
|
|
| Groceries |
$1,000 |
|
|
| Fun |
$1,500 |
|
|
| Travel |
$1,000 |
|
|
| Utilities |
$500 |
|
|
| Giving |
$500 |
|
|
| Home improvement |
$500 |
|
|
| Gifts |
$250 |
|
|
| Transportation |
$250 |
|
|
| Monthly |
$7,000 |
|
|
| Minus add'l rental income |
-$1,700 |
|
|
| Total monthly |
$5,300 |
|
|
| Annual |
$63,600 |
|
|
| |
|
|
|
| SSN estimates 2024 |
Start age 62 |
Start age 70 |
|
| Monthly benefit |
$4,200 |
$7,200 |
|
| Plus monthly from retirement |
$5,300 |
$5,300 |
|
| Total monthly |
$9,500 |
$12,500 |
|
Posted in
Tracking Net Worth
|
2 Comments »
226791
Leave a Reply
|
April 1st, 2026 at 03:39 am 1775014775
April 2nd, 2026 at 06:53 pm 1775156022