That was me probably 10-15 years ago. I dont know about you, but when most of my net worth is tied up in retirement accounts and home equity, I feel completely broke and at risk. But at the same time I have so much FOMO regarding the market that its really difficult to build up my emergency fund.

I find these numbers refreshing. DCUM loves to cry poor at $5-6M NW.

You’ll do great, OP.

You could be doing a lot worse. I see your frustration. You are “fine” but not doing great like “the rich get richer” but you’re moving slowly cuz you’re only a little bit rich.

Based on your numbers:
Assets
580,800 real estate <<you probably live in a decent / nice house. Not a millionaire but you’re not overspending on your mortgage either.
19,700 in checking/saving <<this is so typical to great. Many people do not have this at the ready. You’re clearly not living paycheck to paycheck.
113,900 retirement accounts <<not bad. It depends on your age, but i see why..you’re probably working on the student loans
7,000 autos <<nice. Probably old and fully owned. Bonus if you have Toyotas.

Liabilities
326,400 mortgage
6900 consumer debt* this is paid off every month. I just wanted to “take this out” of checking <<good job paying off every month. And you have no other credit card or personal debt. Better than average
88,400 student loans <<sucks. This is holding you back but I bet you know this

Net Worth
299,600 <<a solid number. If you have kids, you’re leaving them something. And it will get better as you age

You’re doing great, but you should try to make 2026 a big savings year to build up your emergency fund.

OP thank you for posting this..these are normal numbers that reflect the reality of a lot of Americans. It's refreshing.

Anonymous wrote:what’s your question? i’m confused. And that student debt? RIP.

It is for a grad degree with a direct career (like, doctor) that needs the degree and provides the exact job.

Some of us on here aren’t wealthy like you op. Don’t let anyone insult you. At least you’re in positive territory. Assuming positive income/less spending, you’re doing good.

Yikes the student loans!! How old are you OP?

what’s your question? i’m confused. And that student debt? RIP.

How old are you?

Anonymous wrote:Just want to share my net worth numbers. And maybe I have a Q at the end. I’m going to round to hundreds, but I actually have it down to the penny on my spreadsheet.

Assets
580,800 real estate
19,700 in checking/saving
113,900 retirement accounts
7,000 autos

Liabilities
326,400 mortgage
6900 consumer debt* this is paid off every month. I just wanted to “take this out” of checking
88,400 student loans

Net Worth
299,600

Liquidish Net Worth (minus retirement and cars because those are the last two things we would touch)
178,800

Good job for having a spreadsheet and tracking your financials, OP!

From what you posted, your liquid savings are $19,700. This is low, given that your revolving CC balance is ~$7k/month, which does not include the mortgage payment.

So, unless you missed something, you should work on growing your emergency fund.

You actually only have $19,700 in liquid assets, the rest are illiquid if you consider retirement untouchable. I assume you are young-ish? I would definitely get more into an emergency fund that can be used without penalty. If you're spending $6-7K per month plus mortgage you only have about 2 months in emergency funds.

if not retirement and cars, what are you including in the liquid net worth?

We are positive and moving positively.
But our numbers suck.

The way it’s all allocated—it makes the numbers grow slower than they have to.

Just want to share my net worth numbers. And maybe I have a Q at the end. I’m going to round to hundreds, but I actually have it down to the penny on my spreadsheet.

Assets
580,800 real estate
19,700 in checking/saving
113,900 retirement accounts
7,000 autos

Liabilities
326,400 mortgage
6900 consumer debt* this is paid off every month. I just wanted to “take this out” of checking
88,400 student loans

Net Worth
299,600

Liquidish Net Worth (minus retirement and cars because those are the last two things we would touch)
178,800