📈 My Net Worth Journey 🚀

📊 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 📋

Methodology note (Sep 2026 update): allocation = share of net worth by category, December 2024 = 100 baseline; all figures normalized, no dollar amounts. The table shows quarter-end snapshots (Q1 2026 uses February — no March snapshot); charts show all available months. From Jan 2026 the data is sourced directly from the NW Tracking sheet (last snapshot of each month). The net-worth index for 2026 is the true index anchored at Dec 2025 = 110.8.*

📈 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

January 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 112.0 (+1.2pp MoM) — steady start to the year
• 💰 Contributions Compounding: 401k allocation rose to 17.27% (+1.64pp)
• 📉 Crypto Trimmed: allocation fell to 0.85% (-1.33pp) following the late-December sale

Key Insights:

• 🔄 Methodology Note: from January the allocation is computed directly from the NW Tracking sheet — the step-up in Stocks/401k vs December partly reflects more complete capture rather than a single-month move
• 📊 Stocks at 34.63% — largest allocation, extending the lead

February 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 111.2 (-0.8pp MoM) — slight pullback
• 💵 Cash Drawdown: allocation fell to 2.27% (-0.52pp)

Key Insights:

• 📈 Stocks Kept Climbing: allocation up to 35.22% (+0.59pp), offsetting softer home valuations
• 🏠 Real Estate Softness: allocation eased to 40.97% on valuation dip

April 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 117.4 (+6.2pp from February) — strong rebound (no March snapshot)
• 📈 Broad Recovery: brokerage and 401k gains drove the rebound
• 💰 Crypto Recovery: allocation back up to 1.50% (+0.80pp)

Key Insights:

• 🏠 Real Estate Share Below 39%: financial assets outpacing home values
• 🎯 401k at 18.87% — contributions + market gains compounding

May 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 125.9 (+8.5pp MoM) — best month of 2026
• 📈 Broad Rally: gains across stocks, 401k, and both homes
• 💼 HSA at 2.66% — steady tax-advantaged growth

Key Insights:

• 🚀 Momentum Month: every major category contributed
• 📊 Stocks at 36.45% — firmly the largest allocation

June 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 126.3 (+0.4pp MoM) — consolidation after May’s rally
• 🏦 401k at 18.75% — contributions compounding quietly

Key Insights:

• 😌 Quiet Month: no major allocation shifts; staying invested did the work

July 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 122.4 (-3.9pp MoM) — pullback on softer home valuations
• 🏠 Real Estate Share Fell to 37.87% — stocks (36.84%) nearly tied as the largest allocation

Key Insights:

• 🏦 401k Allocation Peaked at 19.29% — the highest in the series
• 📉 Valuation Noise: Redfin dips drove the pullback, not cash outflows

August 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 126.6 (+4.2pp MoM) — rebound on equity gains
• 📈 Stocks at 37.33% — extending the lead as the largest allocation
• 🎓 529 Resumed: allocation up to 0.52% (+0.20pp) as contributions restarted

Key Insights:

• 💵 Cash Temporarily Elevated at 3.22% — pre-deployment
• 🔄 July Dip Recovered: back above the June level

September 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 129.7 (+3.1pp from August) — new high, +29.7% from the Dec 2024 baseline
• 📈 2026 YTD: +18.9pp — driven by equities
• 🏆 Stocks at 38.49% — largest allocation, extending the lead

Key Insights:

• 🎯 Composition Shift: the portfolio is now firmly equity-led — stocks + 401k + HSA total 59.8% of assets
• 📉 Real Estate Share at Series Low (35.87%) — financial assets compounding faster than home values
• 💰 Crypto at 1.37% — stabilizing after the mid-year dip

October 2026 Highlights

Net Worth Update:

• 📊 Net Worth Index: 129.8 (+0.1pp from September) — holding the September high, +29.8% from the Dec 2024 baseline
• 📈 Stocks at 38.76% — largest allocation, extending the lead (+0.27pp)

Key Insights:

• 🎯 Composition Steady: stocks + 401k + HSA total 60.05% of assets
• 📉 Real Estate Share at 35.62% — new series low as financial assets keep compounding faster than home values
• 💰 Crypto at 1.34% — essentially flat (-0.03pp)