September 2026 Net Worth Update: $9.3K Spent, Still Contributing
I spent about $9.3K in September. A big part of that was birthday presents, and I ate out a lot too. I feel good about it. Presents are important to me.
Other than that, not much happened. Net worth is about $2.32M, a little below August's balance. That's okay. I keep contributing.
Quick TL;DR
- Net worth: $2.321M (October 1 estimate), down $5.4K from August.
- September spending: $9,322 total; $7,129 excluding the mortgage, including $2,685 in gifts.
- Contributions: Still contributing to 401k, HSA, and ESPP.
Net worth: about $2.32M
| Metric | October 1 estimate |
|---|---|
| Assets | $2.647M |
| Liabilities | $326.77K |
| Net worth | $2.321M |
The only debt is the condo loan. The car loan is still $0.
Progress trend
| Month | Net worth | Growth | New money in | Market did | Investable |
|---|---|---|---|---|---|
| Jan 2026 | $2.080M | +$38.6K | $24.0K | $14.6K | $1.764M |
| Feb 2026 | $2.134M | +$53.8K | $18.2K | $35.6K | $1.809M |
| Mar 2026 | $2.197M | +$54.0K | $27K | $27K | $1.872M |
| Apr 2026 | $2.240M | +$43K | $9K | $34K | $1.915M |
| May 2026 | $2.270M | +$30K | $4.5K | $25.5K | $1.931M |
| June 2026 | $2.235M | -$34.6K | -$14.2K | -$20.4K | $1.881M |
| July 2026 | $2.259M | +$23.9K | +$11.1K | +$12.8K | $1.805M |
| Aug 2026 | $2.326M | +$66.7K | +$10.8K | +$55.9K | $1.871M |
| Oct 2026 | $2.321M | -$5.39K | +$8.66K | -$14.05K | $1.864M |
| 2026 YTD | — | +$270.01K | +$99.06K | +$170.95K | — |
New money in is after September spending and includes mortgage principal. Market did is the estimated remaining change.
September spending: $9,322.45
| Category | Amount |
|---|---|
| Gifts | $2,684.63 |
| Mortgage | $2,193.38 |
| Lunch and dining out | $1,338.41 |
| Utilities | $696.35 |
| All other spending | $2,409.68 |
| Total | $9,322.45 |
Paychecks and contributions
Two regular paychecks: about $19.5K gross and $4,572.74 take-home combined. No bonus or RSU vest this month. Contributions continued:
| Account | September | YTD through September 25 |
|---|---|---|
| Pre-tax 401k | $1,540.16 | $19,981.56 |
| After-tax 401k | $2,310.22 | $30,731.74 |
| HSA (employee + employer) | $676.76 | $6,767.60 |
| ESPP (July–December cycle) | $4,812.96 | $14,438.88 |
I cashed out $2,528.11 in Amex points through Schwab to help cover the spending. I used existing cash balances for the rest.
The Chase and Citi bonuses haven't landed yet.
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