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Archive for September, 2026

September 2026 net worth update

September 30th, 2026 at 06:43 pm

Well, this was a meh month for net worth. We basically erased the $12K of gains from last month. I'll really be interested to see where this year ends vs where it began, because I don't feel like we've had too many great months. At least we're still in Coast status by both my future calculations, with the lower estimate being that we have a $280K surplus in retirement savings, so that's good.

Most of the loss was retirement accounts and a few grand was borrowing from the HELOC to cover our shortfall. More on that hopefully in a separate post; suffice it to say it's still a sticky financial situation but we're much better off than we were at the end of last month. We're still adding a lot of debt this year and we'll still need to pare down our 2027 annual budget, but once again, pulling together with my partners has yielded a great amount of 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 $173,862    
NT's Roth IRA $115,971    
NT's SEP IRA $10,140    
NT's AAC acct 21,554    
AS's trad. rollover IRA $43,290    
AS's Roth IRA $166,354    
AS's SEP IRA $116,786    
AS's Nevada acct (approx amt) $380    
CJ's trad. rollover IRA $356,982    
CJ's Roth IRA $125,240    
CJ/NT/AS house ($643,000 value -6%) $604,420    
CJ/NT/AS rental property ($599,000 value -6%) $563,060    
TOTAL ASSETS $2,402,544 retirement only: $1,235,064
       
Debt      
Main mortgage $311,444    
Rental property mortgage $362,937    
HELOC $49,000    
Windows $14,695    
Loan from friends (main house) $9,000    
TOTAL DEBT $747,076    
       
Current Estimated Net Worth Sept 2026 $1,655,468    
       
August 2026 estimate: $1,675,242    
       
Change in net worth -$19,774    
       
       
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 $1,235,064    
Coast FIRE number at current age $954,913    
Current status: at Coast FIRE with surplus: $280,151    
       
       
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