April 2016 Net Worth Tracker


This is my official April  2016 Net Worth Update.   Below are my actual numbers for ALL my investments and liabilities as of 04/30/2016.  Explanations and quick summary below chart.  If you would like to see my previous months net worth posts, please visit my Net Worth Tracker.


net worth spreadsheet Arpil 2016


TOTAL NET WORTH:  $388,482Net Worth Tracker

Quick Summary and comments:  +$16,283

Last month I broke new records for the blog reaching all time highs in page views and blog income.  And now this month I broke my new record for most increase in one month for my net worth tracking.   Holy cow am I lucky or what!?!   A few weeks ago I was telling a good friend of mine about some of the decisions I make for generating income, increasing cash flow and just rental properties in general and she told me that I am just one of those people who just has good luck and things fall into place for me.

But is it really luck that does this??  Let’s break down this month’s net worth post for example to see why I had such a good increase.   By looking at the spreadsheet above you can see where the big increases are and they are my cash position and my stock portfolio.   I definitely would not say that is lucky.  My cash went up because I got nice quarterly bonus from my day job which I earned because I bust my butt at work.   And my stocks went up because I intentionally bought those stocks when I thought they were at a super great value and at the bottom of their bear market.  In a way I did get lucky with that because it appears the bull run has begun in precious metals and all my stocks but one are in precious metals.  Now that they are back on the rise I am seeing huge rewards from it and I am super grateful for that.  My stock portfolio is small but I am seeing over 100% returns on this bad boy right now as of today.  You can check out my up to date stock portfolio right here to see for yourself.  I regret so much not putting more money into some of those stocks.  I honestly think that precious metals specifically gold and silver will be on the rise for years to come so I am considering buying more stock.

I also didn’t have any big expenses this month.  I am however anticipating big expenses for May as I will be making some final payments on wedding costs, I will probably be making the final payment on my Amazon FBA Bulk purchase and that will take a huge chunk out of my cash.  You can check out my latest update on my Amazon FBA business if  you want to see more details on that.  I’m also finally planning on having an AC unit installed once and for all on this turnkey rental property.   If you read that article about when I purchased it, you will notice I bought it without an AC unit and had already included the cost to add one in my numbers.  It’s literally been a year later and I am only now getting to this.  It is not an unexpected cost though and am prepared to do this and keep the tenant happy.    More details on this tenant below in my Property #4 update below.

Wedding Update  – My wedding is this weekend!  That’s right folks, I will have a wife at the end of the week and I am very excited about this new chapter in my life.   We have also been discussing some major life changes in the near future although nothing is set in stone yet.  I may be revealing HUGE news soon.  In case you never read it, check out how I proposed here.

Amazon FBA Update – My last post was literally a full-blown update on everything having to do with my amazon side hustle so just check it out here if you want to see where I stand on that.

Okay enough about my personal life.  Now let’s get to the breakdown of each asset.

AssetsExplanations of each of my assets.

Cash:  +$11,166

After having negative cash in last month’s net worth update, I go ahead and just shatter it this month with an $11k increase.  This is directly attributed to receiving a bonus at work.  You will hear me gripe and complain about having a day job but when they keep paying me like they do, it is hard to not like it!   Until I am financially independent, I will continue saving as much as I can from my job income and not take it for granted.

My cash as noted above in the spreadsheet consists of two different checking accounts.  My normal checking account and my REI (Real Estate Investing) checking account.      Extremely Satisfied!

HSA account:  +$92

Slight increase in my HSA account from my paycheck contributions.  Nothing crazy.

My HSA deductible is $1300 for the year and I have close to $5k in this account so with that being said, since I am maxed out already I am only taking a very small amount out from my day job paycheck to fund this account.  Any money after that deductible will just sit in that account not making me money.  I know I can use the money that I don’t put in there to get better returns as long as I invest it in more real estate.  This number should increase each month a tiny bit.   Satisfied!

Company Stock Options:  -$270

Last month I saw huge gains on this and to only see it go down $270 is no big deal.

These are stock options from my day job.  I am fully vested.  I may end up selling a bunch of these in the future if it hits a certain price.  I would like to use the money to buy another rental property.  I’m not in a hurry to sell it so I will play along with the market and see what happens.     Satisfied!

Stock Portfolio:  +$3,939

Wow I really did buy at the right time on most of these stocks.  All but one have been going up every single month since I bought them and it doesn’t seem to be slowing down.  I’ll keep my fingers crossed and hope it continues to grow.   I am sort of hoping a temporary dip occurs so I can buy some more.  I finally revealed my stock portfolio so you can see more details on it.     Satisfied!

401K:   -$76

Crappy 401k!  Ugh!

I made an executive decision awhile back to take money out of my 401k and no longer contribute any more money to it.  Mainly because I do not get matched contributions from the dreadful day job.  But also because I KNOW I can make better returns using that money on rental properties.  I really don’t like the idea of having an account that punishes me to take money out because of age.   Satisfied!

Property # 1

This is my primary residence.  The market I live in is extremely hot and I expect the appreciation on this house to continue to grow however I will only update the market value once a year, in January of each new year.     Satisfied!  Here are more details on this future investment property.

Property # 2

My new tenants moved in this month and the new increased rent (up $70 per month) has already been paid.  These new tenants signed a 2 year lease so I should be in the clear on this one for a while.  Time to sit back and make some passive income!

Grow your net worth today with your FREE Personal Capital account.

This is my first rental property.  It used to be my primary residence.  I expect gradual appreciation from this property as well because it is in the suburbs of this HOT market I live in.  Love me some HOT markets! 150K is about what its worth now based on MLS comparisons.      Satisfied!

Property # 3

Rent paid on time.  No issues or repairs however this lease is ending at the end of this month (May) and we are still trying to determine if the tenants will renew the lease.  Oh actually, I did have a problem with this property just this past week.  I was fined $100 citation by the city of Indianapolis for junk and debris being out in the yard.  The city had sent me a warning letter weeks ago in which we disclosed to the tenants.  Not ideal but this $100 fine will be charged to the tenants.

This is my first turnkey rental property I purchased out-of-state.  I do not expect much appreciation on this property.  I purchased this for CASH FLOW purposes only.     Satisfied!

Property # 4

This is the property in which I fired my property manager from.   The tenant was great and always paid on time. I just had a horrible PM.  As of now, I am officially 100% in the clear with the old PM, all payments have been made and security deposit transferred over to the new PM.  The day this happened I made sure to celebrate with a mexican martini.  🙂

This my 2nd turnkey rental property.   I do not expect much appreciation on this property.  I purchased this for CASH FLOW purposes only.    Satisfied!

Property # 5

Mortgage paid on time.  No issues.   This is a note that I own from a house that I sold via owner finance.   If you notice though, the reason why this asset will continue to go down from the spreadsheet above is because it is a note and the principal balance on it goes down each month as the buyer pays me.  Remember, I’m the lender on this one.  Satisfied!

Property # 6

Rent paid on time.  No repairs and the tenant asked to stay for another month.  This one was supposed to turnover at the end of April and now it will be turning over at the end of May.  Hopefully I can secure a new tenant ASAP and hopefully it will not cost too much money to make it rent ready again.  Stand by for next month on this one and we’ll see.

This is my 3rd turnkey rental property, I purchased it in early June 2015 and I absolutely love this house.  I do not expect much appreciation on this property.  I purchased this for CASH FLOW purposes only. Satisfied!

Property # 7

Rent paid on time, no issues, no repairs.  This is my most recent turnkey rental property, I just bought this in late October 2015.   I purchased this property also for CASH FLOW purposes only.  I am not expecting appreciation gains on this one.  Satisfied!

Liabilities: These are self-explanatory so I wont dive too deep into these however I would like to include the items below for informational purposes.

Credit Card

I only use one credit card (rewards card) that I use to purchase my everyday expenses.  I pay this off in full every month.  I am receiving 1.5% cash back on this card and am very pleased with it.  Satisfied!

Car Loan

I purchased this vehicle before I had the proper knowledge on how to be totally awesome with finance and investments so that is the only reason why I have this loan.  If I knew then what I knew now, i would have purchased a used vehicle all cash.  It is not worth it to me to pay this loan off because the interest rate on this loan is 2% and I would rather use that money to buy more rentals where I will make a much greater return.  I will continue to pay it down slowly.  Satisfied!

Last 30 days net worth graph from Personal Capital

I really do love this chart, it looks great and its nice and big.  As long as it keeps going up, im happy!  😉


net worth tracker

If you want to set up and track your net worth online like I do, create a FREE account at Personal Capital.

There you have it folks!  How was your month?      Subscribe here if you would like to receive emails on future posts including more net worth updates.

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Cash Flow Diaries


  1. Great job! Nice to see momentum picking up based on all your hardworking. Keep it up but don’t kill yourself. You have a wife to take care of soon, congrats on the wedding!

    • Hi Tracy! Thanks so much! I do work hard but only because I am trying to set it up so that I don’t have to work hard in the future. 🙂 Oh and yes I will be taking care of my baby dont you worry about that!! 😉 Thanks

    • Thanks Vivek! I am so happy to be in the club. Next club im looking to get into is the parent club. 🙂

    • OMG that bonus was amazing! It came at a really good time too because May is going to probably be my worst month ever as far as expenses. 😐

  2. Congratulations again on the wedding buddy! I hope you guys have a great time/day. Good work on the update front also. I know you’ve been wanting to build some cash….and it looks like you’ve done a great job. Hope your honeymoon is a fun experience also.

    • Thanks Bryan! We decided to wait to take our honeymoon in September due to some big changes we are going to be going through in the next few months. Stay tuned. 😉

  3. Congrats the wedding day is finally here! 86 days for me and I can’t wait.

    It also looks like the 401k went up, not down. Check out the March and April numbers.

    • The anticipation to the wedding is mind blowing but its all worth it in the end. I cant wait to hear about your wedding. I am thinking about writing a post just on my wedding and dedicated to my new lovely wife! Oh man yes you are correct about my 401k. Dang it! Thanks for spotting that, I will fix it later today.

  4. Congrats on the wedding! Sure, there’s always some luck involved but I think you’re making your own luck with everything you’re doing. Good job with that and maybe your friend will be inspired to get in on it. Congrats again and can’t wait to hear the big news!

    • Thanks Andrew! The stars have aligned appropriately for me so far so I will just keep busting my butt and hope for the best. I cant wait to share my big news too, I just need to wait a few more weeks as we are not 100% set in stone yet about it.

  5. Man congrats on everything, the finances, blog & most importantly the wife (in a few days haha).
    Looking forward to seeing the post on this, enjoy your trip overseas & keep on keeping on 🙂

    • Thanks Jef, Im actually thinking about writing a post today on the wedding. 🙂

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