Home Personal Situation January 2015 Net Worth Update

January 2015 Net Worth Update

by My Journey to Millions

I can’t believe it has been 4 years since I started tracking my net worth.  I wasn’t (nor am I currently) providing my net worth, so what I decided to do was just assign myself a net worth of zero and then provide monthly updates thereafter tracking my growth.  For the most part it doesn’t provide the financial voyeurism most are looking when reading these posts, but that’s not the real reason I write them every month.  For me, the real reason I do these is to force myself to look at the numbers every single month.

Calculating my Net Worth

My Assets

  • My Cash Savings Accounts – I only really count my emergency savings since everything else is ear marked to be spent elsewhere.  I am finally back up to the round number I wanted to be at.
  • My 401(k) – Just keep throwing part of my paycheck at my 401(k) even though I sort of hate my 401k.  For the past few months I have been buying and selling within this account…I just posted my actual returns from this pure market timing technique.
  • Random Non-Qualified Investment Accounts – This thing has TUMBLED but I am proud to announce I am DONE with gambling on penny stocks.  My gambling will be kept to casinos (and some of my holdings in my investment club).
  • Wife’s Non-Qualified Account – In this monthly post for the past few years I would lump this in with the random qualified accounts, but this is not how I kept my records.  So I have partitioned it out for future posts, and recaptured some Disney stock which was in a UTMA account for The Wife despite her being 34 years old.  The “recapture” created a noticeable big bump in November of last year.  In addition to her $DIS stock she owns 2 broad based index funds.
  • The Wife’s Roth IRA – This account only holds to 2 funds. An index fund of the market and a dividend paying fund.
  • My Dividend Investment Portfolio – Easily my favorite part of my financial empire hut.
  • Home Value – A lot of bloggers seem to stress over home value.  In my old place I just rounded to a number that I thought I’d sell for (I was off by less than 1%).  I am just going to keep using my purchase price for at least the next year or two.
  • My Traditional IRA – I started to actively trade this account lol.  Not proud.  I just made the financial confession that I was speculating in some really shitty stocks.  I am done with it – and will roll out when I can.

My Liabilities

  • My Mortgage – Every so often I think about putting money towards the mortgage but I always back off.
  • Law School debt – A while back I paid off the much smaller of the loans I have a while before this category makes any significant moves.
  • Credit Card debt – All at 0%

My Net Worth Growth

  • From December 2014 to January 2014 my net worth increased 3.64%
  • For 2014 my net worth increased 13.50%
  • My Net Worth increased 190% since I first started sharing

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MS 01/02/2015 - 4:47 am

Wow – very impressive month. With a breakeven S&P 500 for the month and the financial pressures of Christmas, having a well above average net worth increase for you is pretty darn cool!

Good work!! 🙂

Evan 01/05/2015 - 3:46 pm

Thanks! Also got my bonus thrown in there as well so that helped lol

writing2reality 01/02/2015 - 10:22 am

Like yourself, I don’t post my actual net worth online (or anything about my net worth for that matter) as it is ancillary to why I write and takes things in a direction I’m not interested in going. I do track it religiously, and 2014 was a phenomenal year, but a bit distorted since I got married in May.

Four years, 190% increase… pretty stellar! Keep up the good work in 2015. You have a heck of a goals list, so great things should happen if you start ticking off some of those boxes.

Evan 01/05/2015 - 3:47 pm

Thanks a lot W2R! Why did getting married distort your end number? Did you capture her assets in the calc?

writing2reality 01/27/2015 - 9:32 pm

Whoops, just circled back on this!

Yes, it was distorted because we combined our assets. We view everything jointly, so building out the net worth information collectively made sense. However, since she doesn’t have the historic tracking that I have, the full-year performance could not be ascertained as the waters got pretty muddy combining things. This of course will be all cleared up in 2015 and beyond.


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