Net Worth Update #17 – March 2018

3 min read

At the start of each month I share my net worth.

I have always found it motivational and just plain interesting to follow along with a bloggers net worth journey, which is why I hope readers can find value in following mine. I shared my first net worth update back in November 2016 and have been sharing monthly updates ever since.

Here are my numbers for March 2018:

Money Market Funds
Savings Account $9,061  (+$2,218)
Checking Account $960   (+$31)
Total Money Market $10,021  (+$2,249)
Tax Advantaged Accounts
Traditional IRA $3,855  (-$204)
Roth IRA $4,859  (-$233)
401(k) $26,140  (+$952)
Total Tax Advantaged $34,854  (+$515)
Non-Tax Advantaged Accounts
Brokerage Account $30,023    (+$63)
Cryptocurrencies $4,021      (+$212)
Republic Private Investment $550         (+$0)
Total Non-Tax Advantaged $34,594    (+$275)
Net Worth $79,469 (+$3,039)


Here’s a look at my net worth progression since I started personally tracking it back in August of 2016:

NW Mar 18.PNG


From February to March my net worth increased by $3,039.

This increase was a bit lower than previous months because the S&P 500, where I have a huge chunk of my savings invested, dropped about 4% from the start of last month to today.

Fortunately, my savings during February were enough to offset investment losses and help push my net worth higher.

Ally, 401(k), and VTI

Most of my income from the last thirty days landed either in an S&P 500 fund in my 401(k) or my Ally savings account.

I also picked up a few shares of VTI (Vanguard Total Stock Market ETF) in my brokerage account when the price dropped from $146 to $132 earlier this month.


My Ally savings account has grown above the $6,000 threshold I like to keep it at, but I’m hesitant to invest my money elsewhere with prices so high. Right now I’m content with collecting a 1.45% annual interest rate in my savings account.


Despite all of the market volatility in the crypto world, I am still holding onto my investments in bitcoin, litecoin, and ethereum. I initially invested a total of about $4,000 a few months ago and my overall returns have been pretty flat.

This is easily my most risky investment, but it represents a tiny portion of my portfolio and I think the risk/reward ratio is favorable over the long-term. 

Looking Forward

Depending on how the stock market performs over the coming months, I should still be able to cross the $100k net worth mark by this summer.

My apartment lease is up in August and I still haven’t decided if I will:

1. Stay in Cincy with my current job (conservative)

2. Move to a new city and get a new job (semi-conservative)

3. Quit Corporate America altogether and try to make it as a freelancer / blogger / tutor (risky)

Part of me wants to give full-time blogging / freelancing / digital-nomad traveling a shot once my lease is up, but part of me also wants to play it safe and stack up closer to $200k – $300k over the next 3 – 5 years before quitting my day job. I’m trying to strike a balance between being ambitious vs. being realistic.

It really comes down to how much income I’m bringing in from blogging and dividends each month relative to my monthly expenses. If I can get that income closer to $1,500 each month, I would consider quitting my day job. 

We’ll see how these next few months play out…

To everyone that has been following my financial journey up to this point, thank you and I hope you keep checking in each month. If you have any questions for me or want to discuss your own financial journey, feel free to shoot me an email at

That’s all for this months update, thanks for reading 🙂

My favorite free financial tool I use is Personal Capital. I use it to track my net worth, manage my spending, and keep an eye on my monthly cash flow. It only takes a few minutes to set up and it makes tracking your finances simple and easy. I recommend trying it out.

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