2019 Goal = $135k (Invested Total) & $222K (Total NW)
2019 Stretch Goal = $160k (Invested Total) & $250k (Total NW)
I am using Invested Total for this race. Predicted Graduation = Jan 2022 or 4 year from start.
Month End 401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Dec-18 $103,098 $3,861 $106,959 $240,000 $125,000 $296,155 $175,804
Jan-19 $110,710 $4,151 $114,861 $240,000 $125,000 $313,885* $165,976
Feb-19 $116,005 $4,295 $120,300 $240,000 $125,000 $309,693 $175,607
Mar-19 $119,846 $4,333 $124,179 $240,000 $125,000 $302,998 $186,181
Apr-19 $125,157 $5,322 $130,479 $240,000 $125,000 $311,402 $184,076
May-19 $120,825 $704 $121,529 $240,000 $125,000 $305,517 $181,012
*I added $18k-19k of debt for the rental that I had not been tracking. I realized that if I was going to count the rental equity & mortgage, I probably should count the other rental debt too.
Sometimes it is sunshine and rainbows, sometimes you find out that you didn't have all the information that you thought you had and the market moves in the negative all in the same month. All the information is now accounted for (or it better be), a vehicle was traded in (decrease in debt by $6k), the rental will be put on the market in June (potential decrease in debt by $112k, hopefully), and regularly scheduled payments should decrease debt by another $6k by the end of the year. The debt side of this table should be below $190k by the end of the year, but that also throws off the goal invested total vs total NW. I have had so many curve balls thrown at me this month that I am just kind of sitting back and waiting to see what else can happen that alters my current plans, very much feels like making plans/goals is useless.