July 2023 - Net Worth Calculation ($115,860.69) => +5.30% from June 2023

Assets:

The assets I have included include the following categories: savings/checking accounts, cash, Venmo account, investment property equity & retirement accounts.

Net Worth Increase: +$5,828.49

401K increase: +6.53%

Total Assets: $134,698.35

Liabilities:

Credit Card: $376.20

Basement Loan: $18,461.46

Total Liabilities: $18,837.66

TOTAL NET WORTH: $115,860.69

June went by quickly as expected from all the weekend getaways. And also as expected, this increased my monthly expenses. I still managed to squeak out a 12% savings rate, but that is still far below my goal. I also felt very overwhelmed by the end of June, just due to the fact that my days are constantly busy. I have made it a point in July to keep one day free of plans in order to relax and recharge. We'll see how long that lasts, but I think it will be beneficial to my mental health. No big financial moves or trips this month. Just going to keep focusing on savings and hit the house projects hard next month.

*Note: I now include equity in my primary mortgage in my assets because it is considered an investment.

2023 Goals:

1. 50% Savings Rate

   1. Current April = 37.0%

2. Gross 100K -> 89K from PGR, 6K from agent, and 5K from Misc

   1. Current net = $35,223

3. Buy another multi-family property

4. Run in 3 different Spartan races

5. Read 6 books

   1. Listened to "The Small Book That Still Beats the Market"

6. Visit 4 state parks/ national parks

7. Visit 1 more state (and one country)

   1. Visited Italy/ Switz/ France!

8. 6 transactions or $750K in sales price