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June 2026 net worth update

June 30th, 2026 at 08:50 pm

Not a very exciting month. Our retirement assets decreased in value a little bit, probably about $7K across the board. This was mostly offset by our regular mortgage and window payments and by paying own our HELOC by a few grand, so overall our net worth decreased by about $1900. I should be able to pay down the HELOC some more, at least temporarily, but I'm waiting to see how next month's cash flow looks like before I do it. Had I known we were going to lose net worth, I probably would've paid down another $2K and been fine, but now that my June calculations are over, I won't do it til I have the July budget in place.

Even with the slight decrease we're still solidly in CoastFIRE status with a $272K surplus. According to those calculations we are already at Coast even if we planned to retire in 7 years (age 59 for me) instead of 13. Of course I'll still have kids in college and a mortgage in 7 years, so that isn't realistic, but it's cool to dream about. I may revisit the calculations at some point to see when it would be realistic to retire with a mortgage and dependents still in place (eg, figuring a much higher annual spend) and maybe factoring in Social Security income, which I don't currently factor into my Coast calculations. 

And maybe there are other ways to think about this. I also may be underestimating some expenses, so full retirement may be farther off than I think, but maybe we could gradually scale back our work. For now I'm okay leaving my calculations as is because it's a helpful benchmark to measure our progress.

Assets      
NT's UK pensions:      
AV1: 33,420 pounds $41,775    
SW: 41,722 pounds $52,153    
AV2: 8,462 pounds $10,578    
NT's trad. rollover IRA $172,437    
NT's Roth IRA $115,035    
NT's SEP IRA $10,019    
NT's AAC acct $20,186    
AS's trad. rollover IRA $42,953    
AS's Roth IRA $164,371    
AS's SEP IRA $115,844    
AS's Nevada acct (approx amt) $380    
CJ's trad. rollover IRA $356,861    
CJ's Roth IRA $124,229    
CJ/NT/AS house ($643,000 value -6%) $604,420    
CJ/NT/AS rental property ($599,000 value -6%) $563,060    
TOTAL ASSETS $2,394,300 retirement only: $1,226,820
       
Debt      
Main mortgage $314,356    
Rental property mortgage $364,990    
HELOC $32,100    
Windows $14,810    
Loan from friends (main house) $9,000    
TOTAL DEBT $735,256    
       
Current Estimated Net Worth May 2026 $1,659,044    
       
April 2026 estimate: $1,660,943    
       
Change in net worth -$1,899    
       
       
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 $1,226,820    
Coast FIRE number at current age $954,913    
Current status: at Coast FIRE with surplus: $271,907    
       
       
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 | 5 Comments »

5 Responses to “June 2026 net worth update”

  1. Tabs Says:
    June 30th, 2026 at 09:36 pm 1782855387
    1782855387

    Relative to your net worth and savings, I think even a couple of grand down feels more like a rounding error haha. Congrats on your continuing financial efforts.

  2. DK62565 Says:
    July 2nd, 2026 at 05:37 pm 1783013822
    1783013822

    Great job on keeping track of stuff. Although you said you can't really retire in 7 years, it is nice to know that is a possibility.

  3. LivingAlmostLarge Says:
    July 10th, 2026 at 01:31 am 1783647103
    1783647103

    it's a rounding error. are you trying to die with zero and spend a little more?

  4. ceejay74 Says:
    August 31st, 2026 at 07:23 pm 1788204185
    1788204185

    LAL while I'd like to leave something for my kids, my main priority is enjoying my own life as much as possible. Hopefully I can achieve both! I figure even just having a couple properties with appreciated value and low or paid-off mortgages would be a good inheritance!

  5. John Says:
    September 15th, 2026 at 12:58 pm 1789477117
    1789477117

    A $1,900 dip on a $1.66M net worth is definitely just a rounding error — the HELOC and window paydowns are the real progress this month. I like that you treat the CoastFIRE surplus as a benchmark instead of stressing over each monthly wiggle; that mindset makes the slow months much easier to ride out. Curious whether you'd ever rerun the numbers with a higher annual spend and Social Security factored in, since it sounds like that would move the realistic retirement age quite a bit. On a tangent, I've been using an AI video studio called MakeAIVideo to turn our own budget spreadsheets into little monthly recap videos, and it's made tracking weirdly more fun. Congrats on staying comfortably Coast!

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