Networth Updates

Net Worth Update September 2017 – $259,222.96

A net increase of $1,500.29 to bring us to $259,222.96

Here’s the main table tracking our net worth again.


Change Explanations:

401k$2,713.99 – Contributions and growth/loss, no real changes strategically here.

HSA$-349.36 – Normal paycheck contributions and like we predicted, a reasonable amount of spending due to an ER visit for Mrs. Jane and a bill from Mr. Joe’s wisdom tooth removal.

RothIRA$-41.14 – Stock market at work here… The investments lost a little bit this month.

Taxable$-2,733.12 – After last months “recovery” in the Company stock it dropped quite a bit like expected. Volatile stock will be volatile. We can’t do anything about that until it vests.

Acorns$37.98 – Just like before, we love Acorns because it just puts that little extra away without you realizing it.

Cash$1,165.87 – Normal ebbs and flows of the checking account at work here but we’re starting to build some steam on that emergency fund. Been putting money aside that we were using for a car payment and now saving for that tiny person to arrive. We’ve got an Income and Spending section below that will show where most of our “cash” went.

Mr. Joe’s Student Loans$130.12 – If you’ve been following our blog then you’ll know that we recently Re-financed Mr. Joe’s student loan with SoFI. We’ve detailed that process in some other posts you can find here. So far it’s been great working with SoFI. We made a payment this month and accrued a little interest.

Mrs. Jane’s Student Loans$71.31 – Again, just a simple payment and interest on these loans.

Car Loan 2$277.65 – Making progress on schedule here due to making a payment. This is a 0% interest loan and we’re unlikely to ever accelerate this loan payment.

Credit Cards$-15.06 – We pay this off in full each month.

Income and Spending

Here’s where we actually show you where our money went during the month. We won’t go into crazy detail because telling you which restaurants we ate at each week would be just silly. But we will cover any unusual spending or income.

The “Budgeted” numbers below are kind of ambiguous and work on a monthly funding basis so something like car insurance which we pay every 6 months has a dollar amount budgeted but won’t have actuals except for twice a year.


This is kind of a simple table showing our income for the month. Mrs. Jane had a bonus this month.


Another month of contributions. Nothing special.

Necessary Expenses

A very boring *YAWN* month. Nothing special at all…

You might notice a new category “Daycare”. We’re starting to build this into our budget to make sure it’s not a surprise when we do have to start paying for it. For now until she arrives, this money will build an emergency fund.

Discretionary Expenses

We went on a flight this month to go get ice cream from Dairy Queen! That was fun!

Household Goods: We started buying a lot of stuff for the upcoming arrival of our first kid! This month it was a car seat base and a stroller among other things.

Auto Maintenance was mainly the supplies to paint that free car we got detailed in this post: A New Car for FREE

Home Maintenance was very elevated due to the installation of a new water softener. Finally no more calcium build up on our shower heads and faucets! Mr. Joe did this install himself, just like the DIY job for the Kitchen Remodel. We’re working on a post to show this installation as well for anyone else who’s adventurous enough to try!

The Gift this month was a $100 check for friends who got married.

Excess Expenses

This was primarily  some books so Mr. Joe can study for an industry exam for work. The Fundamentals of Engineering Exam for anyone that’s curious.


Pretty Graphs

Personal Capital Net Worth


We don’t track every account in Personal Capital so this won’t exactly track the numbers from above but it’s good enough for visualization.


Charts from my Google Sheets Financial Tracking Spreadsheet

Finally got this graph looking right. It shows what our current liquid assets would provide as income at a 3% withdrawal rate in Blue, our income in Red, and our expenses in yellow. For those readers that have not researched Financial Independence and Early Retirement (FIRE), this is a very conservative way of estimating retirement income. Essentially, when the Blue line exceeds the yellow line we could retire with reasonable confidence.


This is a stacked line chart that shows how our net worth is broken down in different accounts. Hopefully as time goes on these graphs become more interesting. You’re starting to see some of the lines spread out as different accounts grown and contribute to our net worth in different ways. The Blue is 401k, the Red is home equity, and the Light Blue is the employee stock.


Full Disclosure: The links above to SoFI and Acorns are referral links. I will get a bonus from SoFI if you sign up using my link and you will get $100. If you sign up for Acorns with my link we both get $5.

1 thought on “Net Worth Update September 2017 – $259,222.96”

  1. Hey, doing well even with the extra expenses this month. I could really use a water softener, but probably will just live with the buildup and quarterly cleaning.

    I’m pretty ‘average joe’ myself so I like to find people that make regular incomes that are pursuing FI. Heck, I make about the average income and my wife stays at home and watches our two kids. Still we are headed towards FI and early retirement. Just goes to show that it is a mindset towards money that will set you up for financial success.

    All the best Joe and Jane! 😀

Leave a Reply