Net Worth Breakdowns

[Anonymous]

Personal homes equity 15%
Secured Notes receivable 15%
Retirement funds 7%
Minority shares in real estate 15%
Land in entitlement process 7%
Cash and cash equivalents 3%
Commercial real estate 30%
Brokerage accounts 5%
Minority business interests 2%
Other 1%

45
HHI is almost entirely generated from the above assets
NW mid to upper 30s

[Anonymous]

I don't count 529s in my net worth; that money is earmarked for a specific purpose. Since there's absolutely no way that undercounting my net worth is harmful to anyone (and since I don't have to enter it on legal documents or government filings or whatever), I figure that's fine.

So mine is about 50 percent non-retirement brokerage account, about 35 percent house, about 15 percent retirement accounts.

[Anonymous]

Home equity: $1.2m (39%)
401ks or equivalent: $1.4 (45%)
529s (2 kids): $185k (6%)
Brokerage: $150k (5%)
Ibonds: $80k (2.5%)
Emergency fund: $60k (2%)
Random money in checking: $30k (1%)

Total: $3,105,000
HHI: $400k
Early 40s.
We will have one federal pension.

[Anonymous]

Anonymous wrote:Why are people reporting percentages rather than dollars? You can't tell anything from percentages.

Because 1) that’s what OP asked and 2) there are literally hundreds of other posts asking about net worth in dollars.

[Anonymous]

Cash 2%
Brokerage 2%
529s 5% and evaporating
Home equity 38%
Retirement accounts 53%
Mortgage -20%

Mid-50s dual income couple with $280K HHI. NW $2M so you can figure out values if that matters to you.

[Anonymous]

Anonymous wrote:Home equity: $1.2m (39%)
401ks or equivalent: $1.4 (45%)
529s (2 kids): $185k (6%)
Brokerage: $150k (5%)
Ibonds: $80k (2.5%)
Emergency fund: $60k (2%)
Random money in checking: $30k (1%)

Total: $3,105,000
HHI: $400k
Early 40s.
We will have one federal pension.

We’re 43, and very close to these numbers. Approx half of the home equity ($600k), $300k more in retirement funds, similar 529s (but 3 kids), and about half of the after tax savings ($150k or so). Also one federal pension for a SES. About $550k HHI.

[Anonymous]

Cash/equivalents - 25% (across all accounts)
Brokerage 43% (excluding cash)
529s 4% and evaporating
Retirement accounts 28% (excluding cash)

Mid 50s; NW about $6.5M end of March; $250K HHI.

We don't include Primary residence in net worth calculations. Doesn't make sense to me unless it's a massive house that we are likely to downsize from or have rental/vacation properties. If we did, it would be another 600K (value less mortgage or about $300K).

[Anonymous]

Retirement: $2.1M (66%)
Regular savings/investments: $300K (9%)
College savings: $300K (9%)
Home equity: $500K (16%)

Total Net Worth: $3.2M
Mid-50s, $200K income

[Anonymous]

42 - NW $1.25M, HHI $200K

29% Home Equity
52% Retirement
16% 529s
3% Bank account and i bonds

[Anonymous]

Anonymous wrote:

Anonymous wrote:Home equity: $1.2m (39%)
401ks or equivalent: $1.4 (45%)
529s (2 kids): $185k (6%)
Brokerage: $150k (5%)
Ibonds: $80k (2.5%)
Emergency fund: $60k (2%)
Random money in checking: $30k (1%)

Total: $3,105,000
HHI: $400k
Early 40s.
We will have one federal pension.

We’re 43, and very close to these numbers. Approx half of the home equity ($600k), $300k more in retirement funds, similar 529s (but 3 kids), and about half of the after tax savings ($150k or so). Also one federal pension for a SES. About $550k HHI.

Us too. HHI $400k, net worth just under $3M. Will have one fed pension upon retirement.

Home equity: 30%
Retirement: 43%
529s (2 kids): 14%
Brokerage: 7%
Emergency funds/designated savings: 7%

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Home equity: $1.2m (39%)
401ks or equivalent: $1.4 (45%)
529s (2 kids): $185k (6%)
Brokerage: $150k (5%)
Ibonds: $80k (2.5%)
Emergency fund: $60k (2%)
Random money in checking: $30k (1%)

Total: $3,105,000
HHI: $400k
Early 40s.
We will have one federal pension.

We’re 43, and very close to these numbers. Approx half of the home equity ($600k), $300k more in retirement funds, similar 529s (but 3 kids), and about half of the after tax savings ($150k or so). Also one federal pension for a SES. About $550k HHI.

Us too. HHI $400k, net worth just under $3M. Will have one fed pension upon retirement.

Home equity: 30%
Retirement: 43%
529s (2 kids): 14%
Brokerage: 7%
Emergency funds/designated savings: 7%

Well that makes me happy to see other similarly aged folks similarly situated. We had good timing with the house purchase and got on the property ladder early in our (pretty young aged) marriage. When we sold that place plus what we’d saved in the interim, we were able to put down 40% on our current home and have paid down over $100k since then. Combine that with the insane appreciation of the last few years and the comps suggest we could sell the house for nearly $800k more than we paid for it 10 years ago.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Home equity: $1.2m (39%)
401ks or equivalent: $1.4 (45%)
529s (2 kids): $185k (6%)
Brokerage: $150k (5%)
Ibonds: $80k (2.5%)
Emergency fund: $60k (2%)
Random money in checking: $30k (1%)

Total: $3,105,000
HHI: $400k
Early 40s.
We will have one federal pension.

We’re 43, and very close to these numbers. Approx half of the home equity ($600k), $300k more in retirement funds, similar 529s (but 3 kids), and about half of the after tax savings ($150k or so). Also one federal pension for a SES. About $550k HHI.

Us too. HHI $400k, net worth just under $3M. Will have one fed pension upon retirement.

Home equity: 30%
Retirement: 43%
529s (2 kids): 14%
Brokerage: 7%
Emergency funds/designated savings: 7%

Well that makes me happy to see other similarly aged folks similarly situated. We had good timing with the house purchase and got on the property ladder early in our (pretty young aged) marriage. When we sold that place plus what we’d saved in the interim, we were able to put down 40% on our current home and have paid down over $100k since then. Combine that with the insane appreciation of the last few years and the comps suggest we could sell the house for nearly $800k more than we paid for it 10 years ago.

Yeah, it is funny how much of a difference timing can make. I’m the $600k home equity poster above. We bought our first house at the height of the market in 2005, and just about broke even after paying fees when we sold in 2015. We bought our 2nd house in 2015, and it has appreciated about $300k in 8 years ($850k to $1.15M).

Slightly earlier timing on both would have increased everything by probably $200k.

[Anonymous]

Anonymous wrote: Cash/equivalents - 25% (across all accounts)
Brokerage 43% (excluding cash)
529s 4% and evaporating
Retirement accounts 28% (excluding cash)

Mid 50s; NW about $6.5M end of March; $250K HHI.

We don't include Primary residence in net worth calculations. Doesn't make sense to me unless it's a massive house that we are likely to downsize from or have rental/vacation properties. If we did, it would be another 600K (value less mortgage or about $300K).

PP in our 50s with $280K HHI but only $2M NW to your $7M. How on earth did you do it?

[Anonymous]

Anonymous wrote:

Anonymous wrote: Cash/equivalents - 25% (across all accounts)
Brokerage 43% (excluding cash)
529s 4% and evaporating
Retirement accounts 28% (excluding cash)

Mid 50s; NW about $6.5M end of March; $250K HHI.

We don't include Primary residence in net worth calculations. Doesn't make sense to me unless it's a massive house that we are likely to downsize from or have rental/vacation properties. If we did, it would be another 600K (value less mortgage or about $300K).

PP in our 50s with $280K HHI but only $2M NW to your $7M. How on earth did you do it?

Luck, mostly. In the early years, DH and I worked at companies that gave stock options (4 of them over time). Not much individually, but over the years the value of the cash generated from those options is probably worth about $600-700k of our total portfolio today. Also got lucky with one stock where an investment of about $100K (in 2000 and 2011) has grown to about $1.5 mil today. And the markets have been great over the past 10+ years too (except for 2022).

Also, the $250K is one income. Income used to be closer to $350K through 2012 before DH was laid off. He's since worked on and off (about 50% of the time; currently unemployed 2+ years).