Financial Stats

Annual History

Net Worth History

Month 2012 2013 2014 2015 2016
January $146,300 $230,400 $340,600 $530,000 $604,000
February $148,000 $235,500 $351,600 $533,800 $665,000
March $150,400 $242,600 $357,500 $556,600 $691,000
April $157,800 $247,400 $361,800 $564,400 $703,000
May $159,500 $263,400 $387,100 $572,600 $757,000
June $165,200 $267,100 $395,300 $574,200 $765,000
July $183,700 $292,100 $412,000 $582,000 $776,000
August $188,600 $293,800 $498,900 $575,000 $781,000
September $195,300 $304,400 $499,300 $578,600
October $197,400 $310,400 $504,800 $591,400
November $203,800 $340,200 $529,200 $597,700
December $211,300 $345,700 $531,600 $600,700
Gross Income $130,000 $190,000 $160,000 $140,000 TBD

Notes:
1. All net worth numbers are rounded to the nearest $100 through 2015.
2. Starting in 2016, net worth numbers are rounded to the nearest $1,000.
3. All income numbers are rounded to the nearest $10,000.

Passive Income

By Year

Interest CC Div Dividends Total Expenses P/E 4% SWR (yr) % WR (yr)
2010 $515 $40 none $555 $42,700** 1.3% $764 (1.8%) 223.6%
2011 $550 $65 $60 $675 $38,500 1.8% $1,472 (3.8%) 104.6%
2012 $635 $105 $345 $1,085 $50,000 2.2% $2,960 (5.9%) 67.6%
2013 $825 $250 $420 $1,495 $43,800 3.4% $5,384 (12.3%) 33.5%
2014 $420 $1,940 $510 $2,870 $48,400 5.9% $6,580 (13.6%) 29.4%
2015 $975 $920 $410 $2,305 $47,800 4.8% $8,480 (17.7%) 22.6%
2016 (8/12) $825 $1,290 $220 $3,237 $36,215 8.9% $11,000 (20.2%) 13.2%*

% WR (yr) = The % of my investments I would need to withdraw to cover the year’s expenses.

*% uses 2016 spending annualized
**excludes buying my car

2016 By Quarter

Interest CC Div Dividends Total Expenses P/E 4% SWR
Q1 $200 $125 $45 $679 $8,432 8.1% $2,450 (29.1%)
Q2 $465 $180 $175 $846 $14,134 6.0% $2,560 (18.1%)
Q3 (2/3) $160 $985 none $2,047 $13,649 15.0% $2,750 (13.4%)
Q4 (0/3)

2016 By Month

Interest CC Div Div Total Expenses P/E 4% SWR
January $55 $50 none $156 $2,620 6.0% $707 (27.0%)
February $20 $10 none $288 $2,984 1.0% $750 (25.1%)
March $125 $65 $45 $235 $2,828 8.3% $817
(28.9%)
April $40 $50 none $90 $5,604 1.6% $837
(14.9%)
May $240 $70 none $310 $4,738 6.5% $840
(17.8%)
June $185 $60 $175 $446 $3,736 11.9% $853
(22.5%)
July $75 $660 none $844 $6,148 13.7% $897
(14.6%)
August $85 $325 none $1,203 $7,501 16.0% $917
(12.2%)
September
October
November
December

Mortgage Balance

Month Balance Total Paid
June 2012 $286,000 (start)
July 2012 $271,300 $14,700 (5.1%)
August 2012 $269,100 $16,900 (5.9%)
September 2012 $266,600 $19,400 (6.8%)
October 2012 $264,800 $21,200 (7.4%)
November 2012 $260,500 $25,500 (8.9%)
December 2012 $259,600 $26,400 (9.2%)
January 2013 $253,200 $32,800 (11.5%)
February 2013 $249,900 $36,100 (12.6%)
March 2013 $245,700 $40,300 (14.1%)
April 2013 $243,000 $43,000 (15.0%)
May 2013 $230,500 $55,500 (19.4%)
June 2013 $229,800 $56,200 (19.7%)
July 2013 $211,700 $74,300 (26.0%)
August 2013 $208,700 $77,300 (27.0%)
September 2013 $204,900 $81,100 (28.4%)
October 2013 $201,100 $84,900 (29.7%)
November 2013 $192,100 $93,900 (32.8%)
December 2013 $187,600 $98,400 (34.4%)
January 2014 $184,000 $102,000 (35.7%)
February 2014 $179,600 $106,400 (37.2%)
March 2014 $177,000 $109,000 (38.1%)
April 2014 $174,500 $111,500 (39.0%)
May 2014 $153,000 $133,000 (46.5%)
June 2014 $152,200 $133,800 (46.8%)
July 2014 $151,500 $134,500 (47.0%)
August 2014 $149,900 $136,100 (47.6%)
September 2014 $149,100 $136,900 (47.9%)
October 2014 $148,400 $137,600 (48.1%)
November 2014 $147,700 $138,300 (48.4%)
December 2014 $143,000 $143,000 (50.0%)
December 2015 $134,100 $151,900 (53.1%)
September 2016 $127,400 $158,600 (55.5%)

Random Facts

  1. I first contributed to a retirement account in 2007.
  2. I am a spreadsheet-aholic.
  3. I have 2216 fixed budget line items and 3336 variable budget line items, for a total of 5552 budget line items.
  4. I have tracked and categorized every penny I have spent since a few months before my 16th birthday. I have all of that data in the system I use today.
  5. I own exactly 4 index funds and no individual stocks.
  6. #5 is slightly a falsehood. I had to hold onto my old employer’s stock (that’s how they match) in my 401(k) until the subsequent trading window and both my former and current employer pay me in partially stock, which I sell as soon as it vests and invest it according to my plan.

18 thoughts on “Financial Stats

  1. This summary page is awesome. It’s much cleaner that what I was thinking of for mine. I’ll be borrowing something similar to this for the future. Congrats on the progress, looks like you’re on track for about an $80k net worth increase for the year. That’s more than a good chunk of people’s net worth and that was just your increase.

    1. Thanks! Go ahead :) Yup, I definitely think I should have an $80k net worth increase for the year. That’s also more than most people earn in a year. Next year, I’m hoping for $100k ;)

  2. Love the way you laid this out. I am new to the blogging world and want to start sharing a monthly and annual financial review. I like the idea of having it all summarized in one place and then linking out to the individual posts for detail.

    I am going to write my first monthly report for January. But I am considering going back and building up the history since I have been tracking it offline.

    Thanks for the inspiration.

    Cheers!

  3. You have been killing it! Wow! I actually have never computed my net worth. I’ve used Personal Capital but it includes the Zillow estimate of my home which I find misleading and I haven’t linked all of my accounts. I think I’m inspired to start tracking now!

    1. Thanks! It’s looking like I’ll hit $800k this year. Things have really started to snowball beyond just my savings, which is amazing. Definitely track your net worth, even privately! I have history back to mid-2004 and it’s awesome having this much history.

  4. Do you count 401k as part of your net worth? The reason I ask is because one is pretax money, and one is post tax money. and to me it doesn’t make sense when you mix post/pre tax money

    1. Yup, I do. The way I look at it is that I have no idea what taxes I’ll pay when I do eventually withdraw the money, so I might as well just note it at current value. I also count my condo value at current market rates in my net worth, without accounting for selling fees. How do you handle your pre tax money in your 401(k) in your net worth?

      1. I also count my townhouse as part of my net worth because at one point I plan to rent it out or sell it. I don’t account my 401K in my net worth for several reasons

        1. Personal Capital doesn’t work well with my 401K account, which is tailored towards my company. My active session is only valid for 30 minutes before the values go out of sync on Personal Capital

        2. For my FI purpose, my 401K will not be touched until it’s tax free, so it’s not going to help me reach early FI.

        3. The Tax purpose conundrum. I can’t really take out the money without being taxed, so I’m just avoiding the calculation altogether.

        1. I’m not against using Roth conversions in early retirement, so I don’t see the 401(k) as completely off limits. I don’t include my investments in any aggregators as I don’t want it to be too easy to check on them.

  5. It does distract me when I can always check on my investment. It’s interesting to know that so many engineers are in the FIRE club. So far, I know 4 in the valley.

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