Welcome to the June 2026 edition of our net worth tracker, where we’ll track our net worth month over month. I first started tracking our net worth when this blog was started at the beginning of September 2019. I started by creating the Net Worth Baseline report.
You can view Previous Net Worth reports HERE.
Let’s dive straight into this month’s report.
Monthly Roundup
Previously, I would go through my month and go over the highlights. These days, I’m doing it a little differently. Unless you convince me that you want to hear about my month, I’m not going to talk about it.
June 2026 Net Worth
Here’s how June compares to last month:
June Account Breakdown
Let’s take a quick look at what happened in April.
Cash (-$3,071.68)
Monthly Blurb: This is where our paychecks get deposited. All our income goes into this account and is then transferred to the appropriate accounts as set by my budget. As usual, I do the net worth report before transferring money to the appropriate accounts.
Cash was down this month since I didn’t get an “extra” paycheck like last month, and I paid off my credit cards.
As usual, cash being up or down mostly just depends on timing and what has or hasn’t been transferred yet.
Investment Cash ($412.48)
Monthly Blurb: All of our cash left over at the end of the month is transferred here and counted toward our savings rate.
This is where our leftover income goes, plus all earnings from having the investment cash invested in an ETF. As a reminder, a portion of the investment cash is now invested in an S&P 500 index fund.
Our gains this month are mostly due to interest. The markets were nearly flat, and I think the portion invested here was actually down this month.
Remaining Cash Accounts (Emergency and Sinking Funds) (-$819.83)
Nothing exciting here. Just the usual. We are still saving up for our property tax bill for when it’s due early next year.
We did have to pay home insurance this month.
We are putting $200 a month into our travel fund. There is no end date set, and we are planning more vacations, so this may go up at some point. Or I may just cash flow it, like I did this month.
We are also putting $200 a month into car savings, rather than saving it all at once. That way, we have the savings ready when we need it and it doesn’t completely blow up our savings rate for the whole year! Check out 2024 if you don’t know what I’m talking about.
Our current cars will hopefully last us until 2030.
Retirement Accounts
401(k)s ($10,532.59)
May was a great month for the market. June was relatively flat, but still on the positive side for the most part.
The 401(k)s had an okay month. The gains this month can be split between contributions and market performance.
IRA ($22,185.37)
The IRAs were also up a decent amount this month.
This was almost entirely market performance. This sector of the market just happened to do better than the rest.
Overall, that’s a gain of 2.72% between the 401k and IRAs.
College Fund (-$77.94)
The college fund is invested in mutual funds, just like the IRAs. However, this mutual fund ended down for the month. It was down 0.07 percent.
Net Worth ($30,507.10)
June ended in positive territory.
Utilities are rising as we get into the summer months.
In total, our net worth rose. We had an increase of approximately 1.79%.
Not as good as the last two months, but if every month were this good, I’d be happy.
Accessible Net Worth (-$2,210.86)
Monthly Blurb: This is the money we are able to put away, not including the tax-advantaged retirement accounts.
Our income was a little above average this month, but our expenses were closer to normal.
Accessible net worth decreased this month, thanks to paying for home insurance.
Liabilities
Status: None, as usual. They’re a burden, so I avoid them. The cars, the house, they’re all paid for. Student loans…never used them. Credit Card debt? I only use one, and it gets paid off every month, and often, I’ll pay it off multiple times per month. Just depends on how many times I think about it.
Passive Income
January and February are very boring months for dividends.
March was record-breaking for that month alone.
April also broke its record!
May was about as expected.
There is usually a lull until September, but this month, June, was better than expected.
We had another record-breaking month (for that month alone)!
For the year, passive income is now up to $13,182.61. That puts us at 33.0% of the way toward the $40,000 goal.
Interest rates on my savings accounts remained at at 3.00%.
Savings Rate
I track my savings rate in order to help keep my feet to the fire so that later I can be Gone on FIRE. As a bonus, you get a glimpse into my cash flow by looking at the income and expense rows.
A couple of years ago, I set the savings goal to 50%. In 2022, we barely missed that goal, but we met it in 2023!
As a result of meeting the goal in 2023, I raised the bar to 55%.
In 2024, we missed the 55% goal by about .5%, if you include our car savings in our total savings number. Otherwise, we were around 35% in 2024.
In 2025, we ended the year at just under 49%.
I want to start spending more money, so I decided to set our 2026 goal at 50%.
In January, we fell short of the goal, coming in at 40.66%. Paying for the cruise dropped our savings rate by 15 percent.
March was pretty grim for our savings rate. We saved only 36.7% of our income.
April was a much better month for the savings rate. We ended the month at 54.00%.
May wasn’t that great for our savings rate, but it was higher than our average for the year. We came in at 43.53% for the month
June was right at where our goal is, coming in at 50.12%. That said, we will need stronger months to pull up our annual average.
That brings our 2026 YTD savings rate to 44.42%.
Of the 50% we are spending, we give 10%, and property tax is about another 10%, so that means we are living on 30% or less for everything else.
Housing and daycare alone used to eat up over 30%. Fortunately, property taxes have gone down, and we only have daycare during the summer for now.
School is now out for the summer, so daycare has started!
As I had hoped for, we kept our savings rate about 50%!
Hopefully, we can continue to keep our savings rate above 50% with daycare gone in a few months and lower property taxes. The kids are currently only doing gymnastics.
Here’s how we did this month.
We were at 50.12% in June, bringing our YTD to 44.43%.
Income ($11,048.60)
Right now, our only source of active income is through our full-time jobs.
This is what a slightly above-average income month looks like for us.
Expenses ($5,510.72)
Our expenses were close to average this month. We took a week-long vacation, which increased our expenses slightly.
Here is a quick breakdown:
1) Home Escrow ($700.00)
The normal amount we put aside every month to pay for property taxes and insurance.
2) Giving ($901.66)
The usual 10% we give every month.
3) Cost of living ($3,909.06)
This includes all our bills (Gas, Electric, Water, Internet, Phone), transportation, food, shopping, and car insurance. Home insurance is paid from our Home Escrow savings account.
This month also included daycare.
As we did last year and in previous years, we will drain our dependent care account at the end of the year in one lump sum. Doing it that way saves us from having to complete more paperwork.
June and the rest of the summer months are typically rough for our savings rate, but we did okay this month.
There were no other major expenses for June.
May 2026 Vs. June 2026 Expenses
June was better than May from a savings rate standpoint.
Income was slightly higher, and expenses were lower. The market didn’t perform as well, but that’s okay. That combination makes for a strong month.
June was a pretty normal month, whereas May had more expenses, thanks to car insurance, which kept the savings rate from moving up towards 50%.
Hopefully, July will stay smooth. Expenses should be about the same. We will still have to pay for more daycare, and we still need to pay for some excursions for our upcoming cruise.
I plan to continue funding my after-tax account at work and to do a Mega Backdoor Roth at the end of the year.
Goals Progress
Financial Goals
The Roth IRA contributions were taken care of in March.
The 401k is still on automatic contributions from my paycheck, so that will continue moving along throughout the year.
The passive income goal is at $13,182.61, which puts us at 33.0% of the way toward the $40,000 goal.
The investing goal is at $16,226.61, which is 21.6% complete.
The savings rate goal improved this month, but the YTD number is still below 50%.
Hopefully, our savings rate is maintained through the summer and starts moving up in the fall.
Blog Goal
I have a goal of 12 articles again this year. I’ve worked on a few, but they’re still not ready to publish yet.
I am still at 0 published posts for the year, so I need to get moving here.
Personal Goals
I’m doing a reading goal again this year with two books. I’ve read 2 books each year for the last couple of years, and that seems like a good amount for me. That seems to be my sweet spot.
I have finsihed The Happiness Files by Arthur Brooks.
Now I have to figure out what to read next.
There are a few I want to read: Build The Life You Want by Arthur Brooks, Cues by Vanessa Van Edwards, and Millionaire Mission by Brian Preston.
However, a friend suggested reading The 4-Hour Workweek, so that’s what I’ve started.
And then there is my physical health. I didn’t get to where I wanted in 2021, 2022, 2023, or 2024. But I finally made it in 2025!
I still want to lose body fat but gain muscle mass, all while maintaining my weight. I have to make sure I’m eating healthier and exercising. I have been on target so far this year, but sort of starting to relax during the summer.
June 2026 Roundup
June was another very good month financially.
The market started to cool off but remained positive; our savings rate improved, and passive income continued to move in the right direction.
There’s still work to do, especially with the blog goal and getting the YTD savings rate back over 50%.
The weather was overall nice. There were more showers that rolled through, and then it started to heat up at the end of the month.
There were no sick days, which is always nice.
I am excited as we get into mid-year and get to do some extra activities with the kids. As always, there’s really a lot to be thankful for.
Stay tuned for next month’s New Worth update!
FIRE Away!
REMINDERS:
- 2 big items not included in my net worth:
- House & Cars – Their value will be added to my net worth if and when I sell them.
- 2 accounts not included in the net worth total (even though they’re listed):
- 529 – This is my money for my babies. Consider it their net worth summary.
- Home Escrow – This is Uncle Sam’s money. We don’t mess around with Uncle Sam and his money.
- Total income only includes our active income, which is currently our full-time jobs.