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I have picked up a mild net-worth obsession. If mild can be defined as thinking about it at least once a day. Usually, more.

This has stemmed from reading personal finance books. Many spout the benefits of tracking net-worth. Their advice is influential when these folks are enjoying early retirement at age 30.

Recently, I calculated my lifetime worth of income and how much I have in liquid assets versus the lifetime of earnings.

The results were depressing.

I’m in the top 50% of my age bracket for net-worth wealth but I am far from the top 10%.

The results continue to burn like unending heartburn but tracking net-worth progress has been fun. Yet, it feels strange to admit that.

After all, I wouldn’t have seen my net-worth go up $6,000 if it hadn’t been tracking the progress, saving like it’s going out of style, and going all in on free hobbies.

A Budget or Bust

I am a strict budget follower because I make less than average. I know, I googled it.

Tracking down every dollar to the cent is my jam.

This is tediously fabulous because it tracks where I’m weak, strong, and crushing it like Donkey Kong. I need these deets for when my spending money turns snobby goes on a spree.

Plus, there is a fascination with a swirl of grotesque when I look back over bygone budgets and see the progress I have made or not made.

Saving Money Is My Thing

My net-worth obsession has a twin flame born from angst, frustration, and uncertainty. I save money, like a hoarder, when I’m not wandering the house in sweatpants because I’m disappointed in how little I have saved.

Instead of focusing on what I can’t change I focus on what I can.

I use the full spectrum of savings from grocery shopping to reward apps to low-dollar, low-effort side hustles.

A tiny win is still a win.

Most nonperishable goods are purchased online which fits the guidelines of social distancing too. It also saves time and energy which is how I prefer to exist.

Nature Is My Drug of Choice

As the pandemic rages, I combat many of my antsy feelings with nature and it’s a great way to decrease expenses.

I run a trail by work because it’s convenient and by benefits include paid workout time. Plus, it’s the best trail in town.

On weekends, Mr. BuLL and I go on adventures to the mountains. From snowshoeing a frosted forest to hiking a meandering trail, its where I feel better, happier, and saner.

A nature-based lifestyle has prevented many blubbery messes and outside of gas and snacks, everything else is paid for in sweat and steps.

Free fun is my favorite fun!

Net-Worth Obsession: A Wealth Documentary

A majority of my income is funneled into retirement or savings accounts. The rest is taxes and cost of living. The fruits of adulting….

To date, August has proved to be the biggest fluctuation of my income. It turns out the market was good for my finances. After tabulating the results, I realized much of my money is tied up to market which explains the fluctuation.

I have only been doing this for a few months and curiosity is at an all-time high to see how things will shift. Hopefully, in the delightfully increasing net-worth direction.

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2 thoughts on “Net-Worth Obsession: A $6,000 Confession

  1. Hey BuLL! Top 50% is great, and you should give yourself more credit 🙂 The way you’re saving and building wealth, I’m sure you’d be at the top 10% in no time!

    1. Thank you, Liz! Everyone should have a Liz in their life! As long as I keep reading sweet financial blogs like yours, I’ll get there eventually!

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