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Archive for October, 2026

October 2026 net worth update

October 31st, 2026 at 10:08 pm

Twas another bleh month for net worth. We lost about $13K of value in our retirement investments, offset by paying down about $9K of debt. (Some of that was paying down our HELOC since we have a decent checking account cushion for now, but if our income struggles continue I fully expect to take that $7K back out again.) We still have a healthy Coast surplus, so no worries on that front for now.

My project offers from my regular clients have fallen off a cliff; I've barely gotten any new job offers in the past 2 months which is highly unusual. I don't know if this is a symptom of their clients (they are all agencies that work for businesses) opting for cheaper AI-generated copywriting or just a random blip, but of course it doesn't feel great. I've been applying for remote part time or short-term contract positions but the only nibble I've gotten is (ironically) for an AI trainer job. I did accept it but either they're lying that people can do the work as quickly as they say or I'm just not cut out for it, because it takes me about 3x the estimated time to complete each task, which cuts my hourly average from $65 to about $22. Not awesome, but at least I'm making little dribs and drabs of money while I try to get better-paying (and less tedious) work.

The other thing dragging me down is my dad's got a tumor in his kidney and needs to have surgery soon. So of course that's the perfect storm of worrying about my dad (he's pretty old to be having surgery plus we don't know what type of tumor it is), my time (getting work and other things done), and my financial situation (when he does get the surgery scheduled I'll be looking at last-minute one-way airfare which I'm guessing will be super expensive because of the fuel crisis plus last-minuteness). 

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 $171,454    
NT's Roth IRA $114,401    
NT's SEP IRA $9,968    
NT's AAC acct $22,148    
AS's trad. rollover IRA $42,709    
AS's Roth IRA $163,542    
AS's SEP IRA $115,205    
AS's Nevada acct (approx amt) $380    
CJ's trad. rollover IRA $354,330    
CJ's Roth IRA $123,544    
CJ/NT/AS house ($643,000 value -6%) $604,420    
CJ/NT/AS rental property ($599,000 value -6%) $563,060    
TOTAL ASSETS $2,389,666 retirement only: $1,222,186
       
Debt      
Main mortgage $310,467    
Rental property mortgage $362,249    
HELOC $42,000    
Windows $14,647    
Loan from friends (main house) $9,000    
TOTAL DEBT $738,363    
       
Current Estimated Net Worth Oct 2026 $1,651,303    
       
Sept 2026 estimate: $1,655,468    
       
Change in net worth -$4,165    
       
       
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 $1,222,186    
Coast FIRE number at current age $954,913    
Current status: at Coast FIRE with surplus: $267,273    
       
       
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