End of month tabulation and I-Bonds

[PDXTabs]

For those of you who perform an end of month (or end of year) tabulation of net worth, how do you handle I-Bonds? That is, if you have an I-Bond that is less than 12 months old, you can not access any of its value. In a sense, it doesn't have any value. But you just paid $$$ to get it. How do you deal with this?

[boridi]

include it.

[PDXTabs]

That certainly seems like the simplest solution.

[COEE]

I keep track of it.  They are an important part of my overall portfolio.  After you have them for 3 months you start accruing interest, so it's important to check the growth as well.

[PDXTabs]

Do you discount all your other investments?

Not on paper. That is, not at the end of every month when I calculate my net worth, but I definitely think about it. That is, a dollar in my Roth IRA certainly has more value than a dollar in my traditional 401k.

[Arbitrage]

I certainly include it.  If I truly had an emergency, I have many other sources of funds to tap before I'd need to try to get at that last $10k.  I also don't discount other I bonds on their 3 month penalties for the first five years.  Didn't discount the early withdrawal penalties from CDs I've owned, or retirement funds I can't access without penalty either. 

Yes, in a true emergency that required $100k or more, I might end up having to pay a penalty here or there, but that doesn't materially affect my planning for FIRE.