It’s the end of another quarter, so it’s time for another net worth check-in! As a reminder, Mr. Steward and I have wholly joint finances, so this is everything for our family of four.
|Savings (Emergency Fund)||15,793.68|
|Mr. Steward Pre-Tax||42,762.05|
|Mr. Steward Roth IRA||2,939.76|
|Ms. Steward Pre-Tax||23,894.62|
|Ms. Steward Roth IRA||4,344.81|
|Ms. Steward HSA||745.42|
|Ms. Steward Fun Fund||501.45|
|Credit Cards (Paid Off Before Interest)||815.10|
We also have two 529s, valued at $4,560.42 and $1,748.94. Since these belong to our daughters, we do not include them in our net worth calculations.
The Big Changes
The House That Won’t Stop
The house value, per Zillow, continues to climb, to the tune of another $15,000 this quarter. I am now quite skeptical that this value is accurate, even given the current crazy seller’s market in our town. Nonetheless, the house is the primary culprit of our net worth continuing to show positive growth this month, considering…
The Stock Market Takes a Dip
Even with our 16-17% contribution rate, most of our investments took a pretty big dip this quarter, thanks to the recent stock market decline. We’re in it for the long haul, so I’m not terribly worried.
The Fall and Rise of the HSA
I have carried a remnant HSA from my previous job for about two years. We nearly depleted it with several bills this quarter. Beginning now (Jan. 1), we are back on a high-deductible health plan, which means we qualify for an HSA. We are fully funding it this year, so the number should climb again.
Progress for 2018
This year marked our first full year of public net worth tracking. Overall, our net worth grew by around $51,510.27 from the end of Q4 last year. That’s an overall percentage increase of about 35%. While such a drastic change will become more and more difficult as our net worth grows, I am definitely proud of that number! As for next year’s goals, watch out for another post soon.