FatStacks' Net Worth for December 2020


Assets Value Change ($) Change (%)
Cash $10,059 $3,521 53.85%
Stocks $1,777 $299 20.23%
HSA $9,026 $449 5.23%
Cars $8,409 ($497) (5.58%)
Boat $5,000 - -
Home $171,299 - -
Cryptocurrency $1,828 $1,828 -
401k (Current employer) $90,490 $6,309 7.49%
401k (Previous employer) $190,767 $10,884 6.05%
Profit Sharing (spouse) $52,864 $2,585 5.14%
$541,519 $25,378 4.92%
 
Debts Value Change ($) Change (%)
Home Mortgage (15yr 3%) $127,576 ($594) (0.46%)
Student Loans (2.8%) $9,692 ($336) (3.35%)
Credit Cards $0 - -
Car Loan (72mo 4.5%) $4,977 ($490) (8.96%)
Total Debts $142,245 ($1,420) (0.99%)
Net Worth $399,274 $26,798 7.19%
*All values shown in USD ($)
Notes:
December-specific notes:
Unexpected $6k work bonus which covered our November auto repair and padded savings a bit (of which I moved $250 into stocks and $1,884 to cryptocurrency).
529 Plan: $51,121
FICO: 851
Our score dropped due to "no revolving debt" as a reason. I'm okay with that :)

=====Annual End-of-year stuff=====
2020 Personal Savings Rate: 19.84%

End-of-year Net Worth target was $356,430 (according to my December 2009 master Excel retirement plan thingy). Continued savings + a strong stock market moved us past our long-term retirement planning goal :)

2021 Goal: Stay the course.

Other notes: I depreciated our cars' values using KBB Trade-in values.

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