📊 Month-over-Month Comparison
This chart visualizes the normalized net worth comparison between months, where December 2024 represents 100% baseline. 📈
🌍 Asset Allocation Trends
Interactive line chart showing the percentage allocation changes over time. Click on legend items to toggle visibility of different asset categories. 📊
Summary Table 📋
| Asset Category | Dec 2024 | Aug 2025 | Sep 2025 | Oct 2025 | Nov 2025 | Dec 2025 | MoM (Dec) |
|---|---|---|---|---|---|---|---|
| Cash | 5.23% | 3.51% | 4.20% | 4.08% | 2.83% | 2.84% | +0.01% |
| Stocks | 30.34% | 38.34% | 36.50% | 37.83% | 31.29% | 32.15% | +0.86% |
| 401k | 13.14% | 15.43% | 15.80% | 17.04% | 15.23% | 15.63% | +0.40% |
| HSA | 2.06% | 2.24% | 2.40% | 2.31% | 2.03% | 2.10% | +0.07% |
| Crypto | 0.74% | 1.01% | 0.88% | 2.96% | 2.23% | 2.18% | -0.05% |
| Real Estate | 48.49% | 39.47% | 39.60% | 34.78% | 41.97% | 40.92% | -1.05% |
| 529 | 0.00% | 0.00% | 0.22% | 0.32% | 0.30% | 0.30% | +0.00% |
📈 Monthly Highlights
October 2025 Highlights
Major Changes This Month:
- 💰 Crypto Surge: +2.08% allocation increase (significant portfolio rebalancing)
- 🏠 Real Estate Decline: -4.82% allocation (market valuation adjustments)
- 📈 Stock Recovery: +1.33% allocation (market performance improvement)
- 🏦 401k Growth: +1.24% allocation (continued retirement savings)
Key Insights:
- 🎯 Diversification Strategy: Continued rebalancing toward growth assets
- 📊 Market Timing: Strategic crypto allocation during market opportunities
- 🏡 Real Estate: Home valuations adjusting to current market conditions
- 💼 Investment Focus: Strong performance in retirement accounts
November 2025 Highlights
Net Worth Update:
- 📊 Net Worth: +10.0% from baseline (slight market volatility impact)
- 💰 Asset Allocation: Diversified across multiple asset classes
- 💵 Cash Position: 2.83% of assets (maintaining liquidity)
Major Changes This Month:
- 📈 Investment Portfolio: 51.08% of total assets (strong investment allocation)
- 🏠 Real Estate: 41.97% of assets (largest asset class, market valuation adjustments)
- 🏦 401k Growth: Continued contributions and market performance at 15.23% allocation
- 💰 Crypto Position: Maintained strategic allocation at 2.23%
- 📉 Market Impact: Net worth decreased slightly due to November market corrections
Key Insights:
- 🎯 Asset Allocation: Real Estate remains largest component at 42% of assets
- 💼 Investment Focus: Over 51% of assets in investment portfolio (stocks, 401k, crypto, etc.)
- 📊 Market Resilience: Portfolio structure maintained despite short-term volatility
- 🔄 Strategic Positioning: Maintaining diversified allocation across asset classes
December 2025 Highlights
Net Worth Update:
- 📊 Net Worth: +10.8% from baseline (+0.85% month-over-month growth)
- 💰 Asset Growth: Total assets increased +0.12% from November
- 📉 Debt Reduction: Successfully reducing liabilities while growing assets
- 💵 Cash Position: 2.84% of assets (maintaining liquidity)
Major Changes This Month:
- 📈 Investment Portfolio: 52.36% of total assets (up from 51.08% in November)
- Stocks increased to 32.15% (+0.86% MoM)
- 401k grew to 15.63% (+0.40% MoM)
- 🏠 Real Estate: 40.92% of assets (down from 41.97% in Nov, -1.05% MoM)
- Market valuation adjustments, but still largest asset class
- 🏦 401k Performance: Continued growth through contributions and market gains
- 💰 Crypto Position: Slight decrease to 2.18% (-0.05% MoM)
- 📉 Debt Reduction: Actively paying down mortgage and reducing liabilities
Key Insights:
- 🚀 Year-End Momentum: Strong finish to 2025 with net worth recovery
- 💪 Debt Paydown: Successfully reducing liabilities while growing assets
- 📊 Investment Performance: Investment portfolio showing strong returns (+2.63% MoM)
- 🎯 Asset Allocation Shift: Investment portfolio now exceeds 52% of assets
- 💼 Retirement Focus: 401k contributions and market performance driving growth
- 🔄 Strategic Positioning: Maintaining diversified allocation with focus on growth assets
Year-End Reflection:
- 📈 Total Growth: Net worth up 10.8% from December 2024 baseline
- 💰 Investment Growth: Investment portfolio allocation increased from 51.08% to 52.36% (+2.63% MoM)
- 🏦 Retirement Savings: 401k showing consistent growth through contributions and market performance
- 🏠 Real Estate: Largest single asset class, providing stability and diversification
- 🎯 Goal Achievement: Successfully balancing growth assets with real estate for diversification
- 💪 Debt Management: Actively reducing liabilities while maintaining asset growth
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