My Financial Journey

Overall a pretty flat month for my retirement nestegg and a pretty bad month for my individual stock performance. My individual stocks now trail the market for the first time this year. Overall I think as time goes on my individual stocks will slowly fade as more and more of my money tilts towards index funds that I do not need to try to put any effort into, but for now I won’t make any drastic changes.

Taxable Account- $54,202.74(+1.45%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $42,632.43(-10.22%)
My Roth IRA – $256,600.48(-3.49%)
Wife Roth IRA – $161,511.53(-3.88%)
Wife 401k – $4,342.68(+1.33%)
Traditional 401k – $503,265.62(+1.71%)

Roth/Traditional % = 39.32% (tax free)

Total Retirement Nest Egg $1,094,555.48(-0.42%)
Retirement Salary (4%) $44,049

Monthly Contributions $903.32(401k)
SP500 Performance +1.72%
My Monthly Investment Performance -1.10% (-2.82% vs SP500)
My Monthly Individual Stocks Performance -3.71% (-5.43% vs SP500)

I’ll save the commentary for an upcoming holy crap I’m 40 post, but overall slight decrease in the nestegg and zero care in the world by me as I was busy not working and spending time with my family which I think is probably going to be a more common theme going forward. I honestly didn’t check my portfolio more than once this month and well turns out its still here and still pretty big so that’s about all I need to know at this point in my journey.

Taxable Account- $53,426.31(-4.23%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $47,483.34(+2.30%)
My Roth IRA – $265,869.24(-2.76%)
Wife Roth IRA – $168,021.63(-1.75%)
Wife 401k – $4,285.79(-1.61%)
Traditional 401k – $494,781.08(-2.43%)

Roth/Traditional % = 39.32% (tax free)

Total Retirement Nest Egg $1,105,867.39(-2.14%)
Retirement Salary (4%) $44,234

Monthly Contributions $553.99(401k)
SP500 Performance -1.81%
My Monthly Investment Performance -2.19% (-0.38% vs SP500)
My Monthly Individual Stocks Performance -2.16% (-0.35% vs SP500)

Well this month basically reversed last months drop and I’m basically back to where I was at the end of April. My 401k contributions have been dialed back as I will be taking most of the summer off and want to conserve our cash flow without much income coming in. Other than that it’s business as usual.

Taxable Account- $55,020.46(+12.35%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $43,935.23(+12.35%)
My Roth IRA – $270,194.45(+9.10%)
Wife Roth IRA – $173,063.52(+8.88%)
Wife 401k – $4,295.39(+7.02%)
Traditional 401k – $499,855.11(+7.04%)

Roth/Traditional % = 39.63% (tax free)

Total Retirement Nest Egg $1,118,364.16(+7.78%)
Retirement Salary (4%) $44,734

Monthly Contributions $903.30(401k)
SP500 Performance +6.89%
My Monthly Investment Performance +7.69% (+0.80% vs SP500)
My Monthly Individual Stocks Performance +9.61% (+2.72% vs SP500)

Well a little bit of a rough month for my retirement nestegg as it decreased nearly $80,000 this month. I feel pretty good about the fact that my nestegg is big enough to lose $80,000 in a single month. Some day I hope to lose much more in a single month 🙂

While my retirement nestegg might not be headed the right direction this month, my overall retirement journey made a pretty big leap forward as my employer approved me going part-time this summer with the idea that I will be taking a significant portion of the summer completely off. This will allow me to enjoy the summer with my kids and well yeah is the whole point of why I save and invest. I have the flexibility to choose enjoying life and not having to worry about money and that is an amazing feeling.

Taxable Account- $48,973.88(-11.09%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $39,104.67(-7.41%)
My Roth IRA – $247,652.39(-8.89%)
Wife Roth IRA – $158,949.94(-7.72%)
Wife 401k – $4,013.68(-6.38%)
Traditional 401k – $466,968.11(-6.43%)

Roth/Traditional % = 39.76% (tax free)

Total Retirement Nest Egg $1,037,662.67(-7.08%)
Retirement Salary (4%) $41,507

Monthly Contributions $1,856.78(401k)
SP500 Performance -6.58%
My Monthly Investment Performance -7.24% (-0.66% vs SP500)
My Monthly Individual Stocks Performance -8.62% (-2.04% vs SP500)

Another all-time high, but subpar performance by my individual stocks this month probably primarily due to Tesla. My 401k is now within spitting distance of $500k which is kind of neat as it’s only taken 12 years at my company to amass that amount despite not coming remotely close to maxing it out most of the years I have worked there.

Taxable Account- $55,083.31(-2.75%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $42,232.86(+3.55%)
My Roth IRA – $271,799.61(2.66%)
Wife Roth IRA – $172,249.14(+2.36%)
Wife 401k – $4,287.24(+4.02%)
Traditional 401k – $499,050.59(+4.45%)

Roth/Traditional % = 39.76% (tax free)

Total Retirement Nest Egg $1,116,702.75(+2.98%)
Retirement Salary (4%) $44,668

Monthly Contributions $3,742.25(401k)
SP500 Performance +3.93%
My Monthly Investment Performance +2.64% (-1.29% vs SP500)
My Monthly Individual Stocks Performance +2.06% (-1.87% vs SP500)

Small growth in my retirement nestegg and some slightly less than stellar investment performance – especially in my 401k which seems strange given I’m in index funds there for most part. I got a boost of over $9k in 401k contributions this month due to an annual matching contribution that hit my account this month. Next 100k milestone should be just around the corner.

Taxable Account- $56,643.55 (-3.59%)
Private Stock $72,000 (+6.67%)
Traditional Rollover IRA – $40,785.98 (+6.15%)
My Roth IRA – $264,756.03(2.10%)
Wife Roth IRA – $168,278.22 (+1.13%)
Wife 401k – $4,121.42 (+1.69%)
Traditional 401k – $477,798.06 (+2.20%)

Roth/Traditional % = 40.09% (tax free)

Total Retirement Nest Egg $1,084,383.26 (+2.11%)
Retirement Salary (4%) $43,395

Monthly Contributions $9,314.91 (401k)
SP500 Performance +1.79%
My Monthly Investment Performance +1.23% (-0.56% vs SP500)
My Monthly Individual Stocks Performance +1.45% (-0.24% vs SP500)