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May 2019 net worth update

May 31st, 2019 at 12:56 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $73,847
NT's Roth IRA: $33,922
AS's trad. IRA: $19,371
AS's Roth IRA: $53,813
AS's SEP IRA: $30,041
AS's cash: $2,259
CJ's 401(k): $137,532
CJ's Roth IRA: $38,476
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,100,284

Debts:
US Mortgage $379,470
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,508
UK Mortgage 2 $6,431
UK Mortgage 3 $6,773
---
TOTAL DEBT $432,182

Current Estimated Net Worth: $668,102

April 2019 estimate: $680,223

Change in net worth: -$12,121

Summary: Last month I was excited to gain nearly $22K in net worth. This month we lost nearly half of that. Market volatility is no joke and it just gets more pronounced the more skin in the game you have! Frown

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

April 2019 net worth update

April 30th, 2019 at 09:06 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $75,205
NT's Roth IRA: $35,010
AS's trad. IRA: $20,205
AS's Roth IRA: $55,304
AS's SEP IRA: $31,447
AS's cash: $2,259
CJ's 401(k): $143,702
CJ's Roth IRA: $39,254
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,113,409

Debts:
US Mortgage $380,215
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,689
UK Mortgage 2 $6,469
UK Mortgage 3 $6,813
---
TOTAL DEBT $433,186

Current Estimated Net Worth: $680,223

March 2019 estimate: $658,359

Change in net worth: +$21,864

Summary: It was a huge month for net worth! All our retirement accounts posted gains, and I caught up on a couple years' worth of gains on one of NT's UK accounts.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

March 2019 net worth update

March 31st, 2019 at 12:40 pm

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $72,797
NT's Roth IRA: $33,475
AS's trad. IRA: $19,642
AS's Roth IRA: $53,167
AS's SEP IRA: $31,640
CJ's 401(k): $138,748
CJ's Roth IRA: $37,592
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,092,547

Debts:
US Mortgage $380,958
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,869
UK Mortgage 2 $6,508
UK Mortgage 3 $6,853
---
TOTAL DEBT $434,188

Current Estimated Net Worth: $658,359

January 2019 estimate: $652,740

Change in net worth: +$5,619

Summary: Most of our retirement accounts stayed flat but we eked out a modest gain this past month.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

February 2019 net worth update

March 1st, 2019 at 07:51 pm

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $71,789
NT's Roth IRA: $32,737
AS's trad. IRA: $19,485
AS's Roth IRA: $52,785
AS's SEP IRA: $31,416
CJ's 401(k): $136,909
CJ's Roth IRA: $37,325
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,087,932

Debts:
US Mortgage $381,699
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,053
UK Mortgage 2 $6,546
UK Mortgage 3 $6,894
---
TOTAL DEBT $435,192

Current Estimated Net Worth: $652,740

January 2019 estimate: $638,085

Change in net worth: +$14,655

Summary: We reached our 2018 goal, 2 months late, temporarily anyway: over $650K in net worth!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

January 2019 net worth update

February 1st, 2019 at 01:52 pm

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $69,771
NT's Roth IRA: $31,272
AS's trad. IRA: $18,946
AS's Roth IRA: $50,746
AS's SEP IRA: $30,489
CJ's 401(k): $131,822
CJ's Roth IRA: $35,739
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,074,271

Debts:
US Mortgage $382,438
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,231
UK Mortgage 2 $6,584
UK Mortgage 3 $6,933
---
TOTAL DEBT $436,186

Current Estimated Net Worth: $638,085

December 2018 estimate: $608,883

Change in net worth: +$29,202

Summary: A lot of our retirement funds recovered, so our net worth is now at its highest yet! Still not at the $650K we were hoping to reach in 2018, and I'm sure we're way behind on our retirement goal (which I'll update shortly if there's been any positive progress), but all things considered, we recovered nicely from the crater of late 2018. I don't take it for granted though; I think there's a lot of volatility ahead.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

December 2018 net worth update

December 31st, 2018 at 09:14 am

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $65,000
NT's Roth IRA: $28,427
AS's trad. IRA: $17,592
AS's Roth IRA: $45,967
AS's SEP IRA: $31,914
CJ's 401(k): $119,579
CJ's Roth IRA: $32,096
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,046,061

Debts:
US Mortgage $383,174
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,410
UK Mortgage 2 $6,621
UK Mortgage 3 $6,973
---
TOTAL DEBT $437,178

Current Estimated Net Worth: $608,883

November 2018 estimate: $626,147

Change in net worth: -$17,264

Summary: We lost last month’s clawback and then some. Sigh. We’re essentially where we were at the end of June. Not a great way to end the year, but oh well.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

November 2018 net worth update

December 2nd, 2018 at 02:56 pm

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $68,536
NT's Roth IRA: $30,623
AS's trad. IRA: $18,848
AS's Roth IRA: $49,538
AS's SEP IRA: $26,427
CJ's 401(k): $130,284
CJ's Roth IRA: $34,576
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,064,318

Debts:
US Mortgage $383,909
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,590
UK Mortgage 2 $6,659
UK Mortgage 3 $7,013
---
TOTAL DEBT $438,171

Current Estimated Net Worth: $626,147

August 2018 estimate: $615,442

Change in net worth: $10,705

Summary: We made up about half the net worth we lost last month, partly through modest fund recovery, plus debt repayment and retirement contributions.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

October 2018 net worth update

November 1st, 2018 at 08:51 am

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $67,114
NT's Roth IRA: $28,786
AS's trad. IRA: $18,563
AS's Roth IRA: $48,747
AS's SEP IRA: $26,010
CJ's 401(k): $127,220
CJ's Roth IRA: $32,672
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,054,601

Debts:
US Mortgage $384,641
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,769
UK Mortgage 2 $6,696
UK Mortgage 3 $7,053
---
TOTAL DEBT $439,159

Current Estimated Net Worth: $615,442

August 2018 estimate: $635,925

Change in net worth: -$20,483

Summary: Not a fun month to total up. Despite a $2K gain in a UK pension's value and paying off nearly a thousand in debt, our net worth tanked by over $20K over the past month. It's now about where it was in mid-July. Performance-wise, this month erased the gains of the entire year; all our account performances are minus 0.5-2% for the period beginning Jan. 1. But since we've been contributing to retirement and paying down debt, it didn't erase all of the net worth progress of this year.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

September 2018 net worth update

October 1st, 2018 at 11:53 am

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $70,321
NT's Roth IRA: $30,975
AS's trad. IRA: $19,888
AS's Roth IRA: $51,078
AS's SEP IRA: $27,988
CJ's 401(k): $137,166
CJ's Roth IRA: $35,156
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,076,070

Debts:
US Mortgage $385,371
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,948
UK Mortgage 2 $6,735
UK Mortgage 3 $7,091
---
TOTAL DEBT $440,145

Current Estimated Net Worth: $635,925

August 2018 estimate: $629,727

Change in net worth: +$6,198

Summary: OK gains this month, mainly due to debt payment and retirement contributions, not market growth. My 2018 net worth goal of $650K still seems within the realm of possibility! We would only need to gain about $4700 per month October-December to get there...

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

August 2018 net worth update

August 31st, 2018 at 07:23 am

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $68,397
NT's Roth IRA: $29,585
AS's trad. IRA: $19,887
AS's Roth IRA: $51,051
AS's SEP IRA: $26,374
CJ's 401(k): $136,923
CJ's Roth IRA: $35,141
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,070,856

Debts:
US Mortgage $386,099
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,126
UK Mortgage 2 $6,773
UK Mortgage 3 $7,131
---
TOTAL DEBT $441,129

Current Estimated Net Worth: $629,727

July 2018 estimate: $618,678

Change in net worth: +$11,049

Summary: Pretty big gains this month, almost as much as last month. My 2018 net worth goal seems a lot more within the realm of possibility!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

July 2018 net worth update

July 31st, 2018 at 01:09 pm

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $66,580
NT's Roth IRA: $29,132
AS's trad. IRA: $19,592
AS's Roth IRA: $50,267
AS's SEP IRA: $25,970
CJ's 401(k): $132,522
CJ's Roth IRA: $33,229
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,060,790

Debts:
US Mortgage $386,825
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,306
UK Mortgage 2 $6,810
UK Mortgage 3 $7,171
---
TOTAL DEBT $442,112

Current Estimated Net Worth: $618,678

June 2018 estimate: $607,461

Change in net worth: +$11,217

Summary: Pretty big gains this month, which helps offset last month's stagnation. If this pace were maintained the rest of the year, I'd reach my net worth goal and come close to my retirement target for the year. Doubtful but I suppose within the realm of possibility!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

June 2018 net worth update

July 5th, 2018 at 02:10 pm

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $64,859
NT's Roth IRA: $28,363
AS's trad. IRA: $19,113
AS's Roth IRA: $47,581
AS's SEP IRA: $25,285
CJ's 401(k): $129,506
CJ's Roth IRA: $32,353
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,050,558

US Mortgage $387,549
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,488
UK Mortgage 2 $6,849
UK Mortgage 3 $7,211
---
TOTAL DEBT $443,097

Current Estimated Net Worth: $607,461

April 2018 estimate: $607,337

Change in net worth: +$124

Summary: This paltry increase in net worth is due to paying off nearly $1K in debt. Most of our retirement accounts lost a small amount of value this month.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

May 2018 net worth update

June 2nd, 2018 at 01:42 pm

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $64,604
NT's Roth IRA: $27,429
AS's trad. IRA: $19,383
AS's Roth IRA: $48,321
AS's SEP IRA: $25,687
CJ's 401(k): $129,635
CJ's Roth IRA: $32,856
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,051,413

US Mortgage $388,270
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,669
UK Mortgage 2 $6,886
UK Mortgage 3 $7,251
---
TOTAL DEBT $444,076

Current Estimated Net Worth: $607,337

April 2018 estimate: $596,325

Change in net worth: +$11,012

Summary: Finally some real recovery in our retirement accounts! We passed another net worth milestone, $600K, which means we have an average of $200K per person in net worth.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.