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Maybe it's just me ... but I prefer to do semi-annual check-in's on our finances. I've tallied up all of our accounts, and the verdict is in ---- 2026 has been a wild ride .... but for those with the stomach to hang on, it's been outrageously positive (at least in financial markets). The S&P 500 is up +10% YTD, +21% YOY ... and everyone's least favorite pain point (oil/gas prices) have at least settled, though the price at the pump remains stubbornly elevated as those markets accordion-recover. Hopefully everyone's investment accounts have at least gotten to ride the same wave of growth .... and let's hope that it at least mostly hangs on without too much new chaos. (hey, I can dream)
My semi-annual review:
- Total Net Worth: just shy of $2.8M (just $2k short!)
- Total YTD growth: $206k, +8% .... YOY growth: $400k, +16.5%
- Retirement accounts: again, just shy of $1.5M
- Real Estate: $375k -- two homes, both rented, but only ~$1k/mo positive cashflow ... no personal home right now, since we're still living in Japan. I wanted to sell our rental property in OKC, but the current renters & our realtor convinced me to wait another year --- the renters are finishing med school in the next year, and our realtor said the market isn't very strong in the area right now with the still-high interest rates & long ADOMs at 30-45 days.
- RELPs: still $500k between the two of them, though I've been receiving about $5k/qtr from income distributions.
- 529s & UTMAs: $178k (one of each, per child)
- Cash: $59k
- Debt: Zero!
- Annual Income: ~$185k, holding steady through the last 2-3 years.
Notable changes:
- I got fired! Medical disqualification, and my boss's boss wouldn't let me stay in my command job, so now my family is getting ready to move from northern to central Japan (outside of Tokyo) to start flying a desk for a living. The disqualification also eliminates $1k/mo in aviation incentive pay, which sucks ALOT. I'm now a professional penguin -- got wings, don't fly.
- On the upside, I'll become eligible for military retirement in 2 years ... Haven't decided yet what we'll decide to do, but for now I'll stick it out & see what happens next. Once I cross into eligibility, once I 'hit the button,' we'll have a roughly $8.5k/mo steady income with DW & my pensions alone ... excluding rentals, jobs, or other income. So we're undeniably sitting pretty, and I'm perfectly good with having the flexibility to do literally whatever we want with the second half of our "working years" ... whether one/both of us actually has a job or not. I still haven't decided what I want to do when I grow up.
- My wife is pregnant with #4 (2nd baby girl), due in early December. My wife is thrilled ............. I'm not. I'll just leave it at that.
- Otherwise, it's just been EXTREMELY busy. Still working through cleaning up a variety of the medical issues, but it's finally steadying out. Hopefully once we're settled after our move (ETA ~15 July), I can get the last couple surgeries I need & I'll be able to get back to a normal life.
Okay everybody ... if you'd like to join in with a check-up, fire away. Otherwise, I'm just chatting into the void, and that's okay too. This is just my habit pattern that keeps me involved & aware, but prevents me from neurotically checking the markets every day. Happy Independence Day everyone!!
My semi-annual review:
- Total Net Worth: just shy of $2.8M (just $2k short!)
- Total YTD growth: $206k, +8% .... YOY growth: $400k, +16.5%
- Retirement accounts: again, just shy of $1.5M
- Real Estate: $375k -- two homes, both rented, but only ~$1k/mo positive cashflow ... no personal home right now, since we're still living in Japan. I wanted to sell our rental property in OKC, but the current renters & our realtor convinced me to wait another year --- the renters are finishing med school in the next year, and our realtor said the market isn't very strong in the area right now with the still-high interest rates & long ADOMs at 30-45 days.
- RELPs: still $500k between the two of them, though I've been receiving about $5k/qtr from income distributions.
- 529s & UTMAs: $178k (one of each, per child)
- Cash: $59k
- Debt: Zero!
- Annual Income: ~$185k, holding steady through the last 2-3 years.
Notable changes:
- I got fired! Medical disqualification, and my boss's boss wouldn't let me stay in my command job, so now my family is getting ready to move from northern to central Japan (outside of Tokyo) to start flying a desk for a living. The disqualification also eliminates $1k/mo in aviation incentive pay, which sucks ALOT. I'm now a professional penguin -- got wings, don't fly.
- On the upside, I'll become eligible for military retirement in 2 years ... Haven't decided yet what we'll decide to do, but for now I'll stick it out & see what happens next. Once I cross into eligibility, once I 'hit the button,' we'll have a roughly $8.5k/mo steady income with DW & my pensions alone ... excluding rentals, jobs, or other income. So we're undeniably sitting pretty, and I'm perfectly good with having the flexibility to do literally whatever we want with the second half of our "working years" ... whether one/both of us actually has a job or not. I still haven't decided what I want to do when I grow up.
- My wife is pregnant with #4 (2nd baby girl), due in early December. My wife is thrilled ............. I'm not. I'll just leave it at that.
- Otherwise, it's just been EXTREMELY busy. Still working through cleaning up a variety of the medical issues, but it's finally steadying out. Hopefully once we're settled after our move (ETA ~15 July), I can get the last couple surgeries I need & I'll be able to get back to a normal life.
Okay everybody ... if you'd like to join in with a check-up, fire away. Otherwise, I'm just chatting into the void, and that's okay too. This is just my habit pattern that keeps me involved & aware, but prevents me from neurotically checking the markets every day. Happy Independence Day everyone!!
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