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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 |
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| NT's UK pensions: |
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| AV1: 33,420 pounds |
$41,775 |
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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 |
$173,862 |
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| NT's Roth IRA |
$115,971 |
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| NT's SEP IRA |
$10,140 |
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| NT's AAC acct |
21,554 |
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| AS's trad. rollover IRA |
$43,290 |
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| AS's Roth IRA |
$166,354 |
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| AS's SEP IRA |
$116,786 |
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| AS's Nevada acct (approx amt) |
$380 |
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| CJ's trad. rollover IRA |
$356,982 |
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| CJ's Roth IRA |
$125,240 |
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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 |
$2,402,544 |
retirement only: |
$1,235,064 |
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| Debt |
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| Main mortgage |
$311,444 |
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| Rental property mortgage |
$362,937 |
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| HELOC |
$49,000 |
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| Windows |
$14,695 |
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| Loan from friends (main house) |
$9,000 |
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| TOTAL DEBT |
$747,076 |
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| Current Estimated Net Worth Sept 2026 |
$1,655,468 |
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| August 2026 estimate: |
$1,675,242 |
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| Change in net worth |
-$19,774 |
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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: 52 |
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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 |
$1,235,064 |
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| Coast FIRE number at current age |
$954,913 |
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| Current status: at Coast FIRE with surplus: |
$280,151 |
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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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5 Comments »
Leave a Reply
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October 1st, 2026 at 08:23 am 1790843032
Still though, you guys are doing great, so keep coasting along!
October 1st, 2026 at 06:57 pm 1790881034
October 2nd, 2026 at 12:50 am 1790902254
October 2nd, 2026 at 02:27 am 1790908024
October 6th, 2026 at 06:02 am 1791266540