Last month we had our biggest *loss*, month over month, of net worth: over $10k.
And I love it!
This gives us a chance to show that it’s not all rainbows and unicorns out here. Though the general trend of the net worth is upward in the long term, in the short term there are hiccups. Things have been so hunky dory over the past year and half (the time this blog has been alive) that it is easy to miss the short term volatility that the markets are known for.
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Jan-2018
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Feb-2018
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Mar-2018
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Apr-2018
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Assets
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||||
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Retirement
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477,705.20
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468,813.18
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495,327.97
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480,819.34
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529college
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19,853.29
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19,096.68
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20,315.59
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19,660.51
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Bank Accounts
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41,349.08
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51,254.82
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54,584.54
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55,316.67
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Investments
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19,844.21
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19,575.18
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21,422.73
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21,583.46
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Bonds
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12,371.98
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12,584.32
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12,607.70
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12,609.56
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House
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300,000.00
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300,000.00
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300,000.00
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300,000.00
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Total Assets
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871,123.76
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871,324.18
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904,258.53
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889,989.54
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Liabilities
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264,002.67
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260,845.04
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257,299.46
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253,842.05
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Net Worth
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607,121.09
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610,479.14
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646,959.07
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636,147.49
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Change MoM
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23,077.28
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3,358.05
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36,479.93
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-10,811.58
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We also shaved around $3.5k from our liabilities. That’s something that can go unnoticed. Growing Net Worth is equally important by saving and investing as well as chipping away at those pesky debt obligations.
Consolidating the student loans with Earnest helped as the monthly $1.5k that I put towards that loan resulted in only $17.15 being paid towards interest, whereas the same amount when applied to the Navient and Discover loans had resulted in $93.16 in interest payment in March.
Net Worth, Anon 
That's an excellent question, Ms. ZiYou! Combining both of ours 401(k)s, Roth IRAs, and regular taxable brokerage account there are approximately 7 Vanguard Institutional funds, 8 Vanguard ETFs, 3 other non-Vanguard funds. Since we collect the data on one day, it is just a snapshot of that day's value.
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That's interesting, most other people went down in Feb/Mar and up in Apr. What sort of investments do you have in that retirement?
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