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.

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.

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.

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): $63,240
NT's Roth IRA: $26,961
AS's trad. IRA: $19,162
AS's Roth IRA: $47,743
AS's SEP IRA: $23,603
CJ's 401(k): $126,091
CJ's Roth IRA: $31,085
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,041,383

US Mortgage $388,990
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,850
UK Mortgage 2 $6,925
UK Mortgage 3 $7,293
---
TOTAL DEBT $445,058

Current Estimated Net Worth: $596,325

March 2018 estimate: $588,981

Change in net worth: +$7,344

Summary: We had an OK month, and we're almost back to the January high. But since some of that is debt paydown, I know our retirement assets haven't fully rebounded and won't bother checking in on our retirement goal 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.

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): $62,357
NT's Roth IRA: $26,841
AS's trad. IRA: $18,996
AS's Roth IRA: $45,908
AS's SEP IRA: $22,102
CJ's 401(k): $124,529
CJ's Roth IRA: $30,782
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,035,013

US Mortgage $389,707
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,029
UK Mortgage 2 $6,963
UK Mortgage 3 $7,333
---
TOTAL DEBT $446,032

Current Estimated Net Worth: $588,981

February 2018 estimate: $590,997

Change in net worth: -$2,016

Summary: Another decrease this month, though not nearly as bad as last month's crash. Hopefully things are stabilizing!

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.

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): $62,676
NT's Roth IRA: $25,789
AS's trad. IRA: $19,394
AS's Roth IRA: $46,954
AS's SEP IRA: $22,606
CJ's 401(k): $125,603
CJ's Roth IRA: $31,484
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,038,007

US Mortgage $390,423
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,213
UK Mortgage 2 $7,001
UK Mortgage 3 $7,373
---
TOTAL DEBT $447,010

Current Estimated Net Worth: $590,997

January 2018 estimate: $596,482

Change in net worth: -$5,485

Summary: We had a good run, but the market correction caught up with us a bit. Even with paying off nearly a grand in debt and adding at least $2K to retirement, we suffered a setback in our net worth. Probably not as bad as it was at its lowest point; I didn't check during those chaotic Dow days.

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.

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): $63,861
NT's Roth IRA: $26,837
AS's trad. IRA: $19,941
AS's Roth IRA: $48,344
AS's SEP IRA: $22,278
CJ's 401(k): $128,658
CJ's Roth IRA: $31,046
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,044,463

US Mortgage $391,136
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,393
UK Mortgage 2 $7,039
UK Mortgage 3 $7,413
---
TOTAL DEBT $447,981

Current Estimated Net Worth: $596,482

December 2017 estimate: $581,608

Change in net worth: +$14,874

Summary: Well, still riding the wave of the stock markets, wondering when it will crest. Maybe I'll get to $600K next month if it doesn't completely tank.

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.

We won't see any more movement on our assets or debt for the year, so I thought I'd total up our net worth a little early.

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): $61,822
NT's Roth IRA: $25,618
AS's trad. IRA: $19,105
AS's Roth IRA: $44,800
AS's SEP IRA: $22,231
CJ's 401(k): $123,753
CJ's Roth IRA: $29,728
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,030,555

US Mortgage $391,847
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,571
UK Mortgage 2 $7,076
UK Mortgage 3 $7,453
---
TOTAL DEBT $448,947


Current Estimated Net Worth: $581,608

November 2017 estimate: $569,850

Change in net worth: +$11,758

Summary: Another big leap! Were it not for devaluing our US duplex earlier in the year, we would have blown past our $600K net worth goal for the year. We didn't make it, but I'm happy with where we are. I have a feeling we now undervalue our duplex, but better that than the alternative. If I get anything I feel is definitive proof, I'll updated our home value next year.

Compared with the end of 2016, here's how our net worth numbers fared in 2017:
Total Assets:
2016 $992,419
2017 $1,030,555
Change $38,136

Total Debt:
2016 $460,445
2017 $448,947
Change $11,498

Net Worth:
2016 $531,974
2017 $581,608
Change $49,634

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.

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): $60,003
NT's Roth IRA: $23,824
AS's trad. IRA: $18,807
AS's Roth IRA: $44,069
AS's SEP IRA: $19,484
CJ's 401(k): $120,918
CJ's Roth IRA: $29,162
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,019,765

US Mortgage $392,556
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,751
UK Mortgage 2 $7,115
UK Mortgage 3 $7,493
---
TOTAL DEBT $449,915

Current Estimated Net Worth: $569,850

October 2017 estimate: $561,332

Change in net worth: +$8,518

Summary: Not as huge a jump as the previous two months, but still good. And, we got our debt below $450K! That means the only financial goals we haven't reached this year are getting NT's 401(k) up to 10% and getting our net worth above $600K. (And refinancing the duplex, which turned out to not be a good option.)

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.

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): $58,806
NT's Roth IRA: $23,454
AS's trad. IRA: $18,537
AS's Roth IRA: $43,401
AS's SEP IRA: $19,182
CJ's 401(k): $118,001
CJ's Roth IRA: $27,337
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,012,216

Debts:
US Mortgage $393,263
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,934
UK Mortgage 2 $7,154
UK Mortgage 3 $7,533
---
TOTAL DEBT $450,884

Current Estimated Net Worth: $561,332

September 2017 estimate: $546,722

Change in net worth: +$14,610

Summary: We somehow surpassed last month's progress this month! One of NT's pension values went up more than I'd thought, so that was a big help. We're now safely past the $1 million mark for assets! Since I know we're not getting to $600K in net worth, it's nice we hit one more of our other goals! We should hit the debt-below-$450K mark once I check our debt payments for November. Sweet!

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 6,462 pounds ($8,078)
NT's 401(k): $57,675
NT's Roth IRA: $23,021
AS's trad. IRA: $18,211
AS's Roth IRA: $42,588
AS's SEP IRA: $18,828
CJ's 401(k): $115,601
CJ's Roth IRA: $26,832
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $998,571

Debts:
US Mortgage $393,968
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,116
UK Mortgage 2 $7,191
UK Mortgage 3 $7,574
---
TOTAL DEBT $451,849

Current Estimated Net Worth: $546,722

August 2017 estimate: $532,149

Change in net worth: +$14,573

Summary: Holy cow, what a month! Last month I felt there was no way we'd get to the million-dollar mark on assets, but now it's definitely possible to do it in three more months. Since I know we're not getting to $600K in net worth, it's nice to think we might hit one more of our other goals!

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 6,462 pounds ($8,078)
NT's 401(k): $55,218
NT's Roth IRA: $21,088
AS's trad. IRA: $17,792
AS's Roth IRA: $40,190
AS's SEP IRA: $17,167
CJ's 401(k): $111,525
CJ's Roth IRA: $26,168
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
Total Assets: $984,963

Debts:
US Mortgage $394,671
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,299
UK Mortgage 2 $7,230
UK Mortgage 3 $7,614
---
TOTAL DEBT $452,814

Current Estimated Net Worth: $532,149

June 2017 estimate: $530,114

Change in net worth: +$2,035

Summary: Nearly flat month; the only progress was some debt payoff and a bit toward retirement thanks to contributions outpacing minor losses. I'm now doubting whether we'll reach the million-dollar mark on assets in 2017. It's also now even more unlikely we'll get to $600K in net worth this year; we'd have to gain about $17K per month to get there, which just ain't gonna happen.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 6,462 pounds ($8,078)
NT's 401(k): $54,953
NT's Roth IRA: $21,137
AS's trad. IRA: $17,813
AS's Roth IRA: $40,273
AS's SEP IRA: $17,199
CJ's 401(k): $111,841
CJ's Roth IRA: $24,858
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
Total Assets: $983,889

Debts:
US Mortgage $395,372
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,480
UK Mortgage 2 $7,269
UK Mortgage 3 $7,654
---
TOTAL DEBT $453,775

Current Estimated Net Worth: $530,114

June 2017 estimate: $520,071

Change in net worth: +$10,043

Summary: Pretty good month! Steadily working toward the million-dollar mark on assets. That seems within reach. It's unlikely we'll get to $600K in net worth this year; even if every month was as good as this one we'd still be about $20K short.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 5,534 pounds ($6,917)
NT's 401(k): $53,765
NT's Roth IRA: $20,651
AS's trad. IRA: $17,433
AS's Roth IRA: $37,982
AS's SEP IRA: $16,812
CJ's 401(k): $109,222
CJ's Roth IRA: $24,287
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
Total Assets: $974,806

Debts:
US Mortgage $396,071
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,663
UK Mortgage 2 $7,306
UK Mortgage 3 $7,695
---
TOTAL DEBT $454,735

Current Estimated Net Worth: $520,071

April 2017 estimate: $514,368

Change in net worth: +$5,703

Summary: Slowly working toward the million-dollar mark on assets. Not sure we'll get to $600K in net worth this year; not if we stay at this pace.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 5,534 pounds ($6,917)
NT's 401(k): $53,055
NT's Roth IRA: $19,166
AS's trad. IRA: $17,339
AS's Roth IRA: $37,755
AS's SEP IRA: $16,239
CJ's 401(k): $107,705
CJ's Roth IRA: $24,147
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
Total Assets: $970,060

Debts:
US Mortgage $396,768
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,844
UK Mortgage 2 $7,345
UK Mortgage 3 $7,735
---
TOTAL DEBT $455,692

Current Estimated Net Worth: $514,368

April 2017 estimate: $507,869

Change in net worth: +$6,499

Summary: Slowly working toward the million-dollar mark on assets. Not sure we'll get to $600K in net worth since I devalued the homes last month, but maybe.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 5,534 pounds ($6,917)
NT's 401(k): $52,216
NT's Roth IRA: $18,842
AS's trad. IRA: $17,059
AS's Roth IRA: $37,131
AS's SEP IRA: $15,964
CJ's 401(k): $106,285
CJ's Roth IRA: $22,365
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
Total Assets: $964,516

Debts:
US Mortgage $397,463
Loan from friends (duplex) $9,000
UK Mortgage 1 $35,025
UK Mortgage 2 $7,384
UK Mortgage 3 $7,775
---
TOTAL DEBT $456,647

Current Estimated Net Worth: $507,869

February 2017 estimate: $555,321

Change in net worth: -$47,452

Summary: Retirement accounts went up at a nice pace, but I decided to adjust both home values to what seemed like a more accurate estimate, so our assets are below a million again. Darn! Hopefully the next time they get up there, they stay 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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 5,534 pounds ($6,917)
NT's 401(k): $51,449
NT's Roth IRA: $18,574
AS's trad. IRA: $16,825
AS's Roth IRA: $35,223
AS's SEP IRA: $14,328
CJ's 401(k): $104,601
CJ's Roth IRA: $22,047
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,012,920

Debts:
US Mortgage: $398,156
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,206
UK Mortgage 2: $7,421
UK Mortgage 3: $7,815
---
Total Debt: $457,599

Current Estimated Net Worth: $555,321

February 2017 estimate: $551,489

Change in net worth: +$3,832

Summary: A very flat month; well over half the positive change is due to debt paydown and contributions, so very little growth in our accounts. I'm actually surprised there wasn't a loss 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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 5,534 pounds ($6,917)
NT's 401(k): $51,160
NT's Roth IRA: $17,071
AS's trad. IRA: $16,704
AS's Roth IRA: $34,961
AS's SEP IRA: $14,221
CJ's 401(k): $104,169
CJ's Roth IRA: $21,882
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,010,041

Debts:
US Mortgage: $398,846
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,390
UK Mortgage 2: $7,460
UK Mortgage 3: $7,856
---
Total Debt: $458,552

Current Estimated Net Worth: $551,489

January 2017 estimate: $540,383

Change in net worth: +$11,106

Summary: Our assets are back up over a million again! However, I said it last month and I'll say it again: I'm not counting on this as long-term gains. But hopefully we can add to our net worth enough over the next few months that we can stay above a million in assets even when the market has a downturn.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 5,534 pounds ($6,917)
NT's 401(k): $49,362
NT's Roth IRA: $16,574
AS's trad. IRA: $16,237
AS's Roth IRA: $33,935
AS's SEP IRA: $13,806
CJ's 401(k): $100,224
CJ's Roth IRA: $19,872
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $999,883

Debts:
US Mortgage: $399,535
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,570
UK Mortgage 2: $7,499
UK Mortgage 3: $7,896
---
Total Debt: $459,500

Current Estimated Net Worth: $540,383

December 2016 estimate: $531,974

Change in net worth: +$8,409

Summary: Our assets are almost back up over a million again. The market was pretty strong this past month, but I'm not counting on this as long-term gains. Irrational exuberance that there's going to be a big economic boom thanks to destroying environmental regulations and workers' rights. Don't buy that it's good for the economy long term.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and am in the process of a refi application on the duplex, so should get an assessment soon.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($21,381)
#2: 20,501 pounds ($25,626)
#3: 5,523 pounds ($6,904)
NT's 401(k): $48,507
NT's Roth IRA: $16,222
AS's trad. IRA: $15,918
AS's Roth IRA: $31,858
AS's SEP IRA: $13,510
CJ's 401(k): $98,042
CJ's Roth IRA: $19,451
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $992,419

Debts:
US Mortgage: $400,222
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,751
UK Mortgage 2: $7,536
UK Mortgage 3: $7,936
---
Total Debt: $460,445

Current Estimated Net Worth: $531,974

November 2016 estimate: $522,994

Change in net worth: +$8,980

Summary: Our assets are almost back up over a million again. The market was pretty strong this past month, but I'm not counting on this as long-term gains. Irrational exuberance that there's going to be a big economic boom thanks to destroying environmental regulations and workers' rights. Don't buy that it's good for the economy long term.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and one for the US duplex, but no movement on them as yet. Their sale prices [if they sell] should give me a good idea of both properties' true worth.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

I haven't worked on my budget since mid-November, so I'm catching up on a lot of tracking! Hopefully I get it all done today.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($21,381)
#2: 20,501 pounds ($25,626)
#3: 5,523 pounds ($6,904)
NT's 401(k): $47,324
NT's Roth IRA: $15,873
AS's trad. IRA: $15,593
AS's Roth IRA: $31,168
AS's SEP IRA: $10,935
CJ's 401(k): $95,549
CJ's Roth IRA: $19,031
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $984,384

Debts:
US Mortgage (duplex) $400,907
Loan from friends (duplex) $9,000
UK Mortgage 1: $35,932
UK Mortgage 2: $7,574
UK Mortgage 3: $7,976
---
Total Debt: $461,390

Current Estimated Net Worth: $522,994

October 2016 estimate: $513,295

Change in net worth: +$9,699

Summary: The market showed some gains this month, so we regained about a quarter of the net worth we lost last month due to my downgrading the value of the British pound. Two more good months and our assets should be up over a million again.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and one for the US duplex, but no movement on them as yet. Their sale prices [if they sell] should give me a good idea of both properties' true worth.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($21,381)
#2: 20,501 pounds ($25,626)
#3: 5,523 pounds ($6,904)
NT's 401(k): $45,526
NT's Roth IRA: $14,268
AS's trad. IRA: $15,380
AS's Roth IRA: $30,665
AS's SEP IRA: $10,762
CJ's 401(k): $91,383
CJ's Roth IRA: $18,730
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $975,625

Debts:
US Mortgage (duplex) $401,590
Loan from friends (duplex) $9,000
UK Mortgage 1: $36,112
UK Mortgage 2: $7,612
UK Mortgage 3: $8,016
---
Total Debt: $462,330

Current Estimated Net Worth: $513,295

August 2016 estimate: $556,383

Change in net worth: -$43,088

Summary: The market trended downward slightly, we managed to put quite a bit into our retirement -- but the biggest change was the currency exchange rate from $1.50 to $1.25 per British pound. Took our total assets below a million for the first time since May, and our net worth to its lowest since March. Ah well -- it's just a math thing. We'll build back up.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and one for the US duplex, but no movement on them as yet. Their sale prices [if they sell] should give me a good idea of both properties' true worth.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 5,523 pounds ($8,284)
NT's 401(k): $45,820
NT's Roth IRA: $13,236
AS's trad. IRA: $15,662
AS's Roth IRA: $29,882
AS's SEP IRA: $10,964
CJ's 401(k): $93,365
CJ's Roth IRA: $16,429
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,030,052

Debts:
US Mortgage (duplex) $402,270
Loan from friends (duplex) $9,000
UK Mortgage 1: $43,551
UK Mortgage 2: $9,180
UK Mortgage 3: $9,668
---
Total Debt: $473,669

Current Estimated Net Worth: $556,383

August 2016 estimate: $550,362

Change in net worth: +$6,021

Summary: The market remained mostly flat, but we contributed a bunch to retirement and paid off nearly $1K of debt, so we saw a nice bump.

Notes on the numbers above: House value estimates are approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 5,523 pounds ($8,284)
NT's 401(k): $44,856
NT's Roth IRA: $10,436
AS's trad. IRA: $15,685
AS's Roth IRA: $29,931
AS's SEP IRA: $9,735
CJ's 401(k): $93,312
CJ's Roth IRA: $16,369
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,025,018

Debts:
US Mortgage (duplex) $402,949
Loan from friends (duplex) $9,000
UK Mortgage 1: $43,766
UK Mortgage 2: $9,225
UK Mortgage 3: $9,716
---
Total Debt: $474,656

Current Estimated Net Worth: $550,362

July 2016 estimate: $543,746

Change in net worth: +$6,616

Summary: No huge gains anywhere but we contributed over $3K to retirement and paid off nearly $1K of debt, so we saw a nice bump.

Notes on the numbers above: House value estimates are approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 5,523 pounds ($8,284)
NT's 401(k): $44,207
NT's Roth IRA: $10,327
AS's trad. IRA: $15,528
AS's Roth IRA: $29,607
AS's SEP IRA: $9,633
CJ's 401(k): $91,931
CJ's Roth IRA: $13,453
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,019,380

Total Debt: $475,634

Current Estimated Net Worth: $543,746

May 2016 estimate: $529,251

Change in net worth: +$14,495

Summary: I was shocked by this huge jump! I went back to make sure it was accurate, and it is. About $9K of it is due to retirement fund growth and contributions (including $2750 to AS's Roth). The other $5K is because I realize that last month, I switched the exchange rate on NT's pensions and home value but not on NT's mortgage debt. So changing the exchange rate from $1.60 to $1.50 gave us another $5K jump. Hard to believe it was that much!

Notes on the numbers above: House value estimates are approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

Doing this early since I won't get to it while we're on vacation in England ...

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 4,452 pounds ($6,678)
NT's 401(k): $43,051
NT's Roth IRA: $10,168
AS's trad. IRA: $15,289
AS's Roth IRA: $26,367
AS's SEP IRA: $9,485
CJ's 401(k): $89,389
CJ's Roth IRA: $13,246
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,010,083

Total Debt: $480,832

Current Estimated Net Worth: $529,251

May 2016 estimate: $519,476

Change in net worth: +$9,775

Summary: Boy, what didn't happen this month?!? I revised our U.S. home value up, but also added $4K of debt to our friends (see previous post for explanation). I changed the British pound exchange rate from $1.60 to $1.50 in light of the EU nonsense. (Current rate is $1.37 but I do believe it'll stabilize from there, so I went with the general average of the past few years.) So NT's retirement and home values decreased. However, all our U.S. retirement accounts were up this morning (no doubt the Brexit panic will be reflected in tomorrow's balance, so I snuck in just in time!)

Lots of ups and downs, but overall gain of nearly $10K. And our assets are up over a million for the first time since we sold the condo!

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $42,311
NT's Roth IRA: $9,932
AS's trad. IRA: $15,051
AS's Roth IRA: $25,950
AS's SEP IRA: $8,315
CJ's 401(k): $87,425
CJ's Roth IRA: $13,025
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $997,301

Total Debt: $477,825

Current Estimated Net Worth: $519,476

April 2016 estimate: $515,079

Change in net worth: +$4,397

Summary: Pretty much a repeat of last month: The market had a (very) modest gain, so our net worth went up. I also put a bit toward AS's SEP IRA. I can't wait until we start contributing to our Roths again, so we can hopefully top a million in assets yet this year!

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $41,444
NT's Roth IRA: $9,932
AS's trad. IRA: $14,950
AS's Roth IRA: $25,764
AS's SEP IRA: $7,679
CJ's 401(k): $85,900
CJ's Roth IRA: $12,939
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $993,900

Total Debt: $478,821

Current Estimated Net Worth: $515,079

March 2016 estimate: $511,362

Change in net worth: +$3,717

Summary: The market had a (very) modest gain, so our net worth went up. I can't wait until we start contributing to our Roths and AS's SEP IRA again, so we can hopefully top a million in assets yet this year!

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $40,807
NT's Roth IRA: $9,845
AS's trad. IRA: $14,820
AS's Roth IRA: $25,524
AS's SEP IRA: $7,611
CJ's 401(k): $84,450
CJ's Roth IRA: $12,825
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $991,174

Total Debt: $479,812

Current Estimated Net Worth: $511,362

February 2016 estimate: $501,958

Change in net worth: +$9,404

Summary: Once again the market must have improved, because we didn't put that much away this past month, and we only paid the minimum on debt.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $39,411
NT's Roth IRA: $9,445
AS's trad. IRA: $14,164
AS's Roth IRA: $24,345
AS's SEP IRA: $7,259
CJ's 401(k): $80,540
CJ's Roth IRA: $12,304
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $982,760

Total Debt: $480,802

Current Estimated Net Worth: $501,958

January 2016 estimate: $496,064

Change in net worth: +$5,894

Summary: It's so funny how it works. We're postponing Roth contributions until the second half of the year, and yet our net worth saw a pretty good leap. Not recovering all of last month's loss, but up over half a million again.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.