Net worth
$346,249
Assets minus liabilities
Total assets
$1,207,505
Home + retirement + vehicles + cash
Total liabilities
$861,750
Mortgage + autos + 401(k) loans + CCs
Back to Finance
2Trend
3Composition
4Assets
5Liabilities
12-month net worth trajectory
Up and to the right — net worth grew approximately $34K over 12 months despite the lifestyle-first spend posture. The dip in August 2025 reflects a heavy payment month; the January 2026 dip aligns with the BoA balance transfer accumulation.
Trend approximation: anchored to today's $346K net worth, back-cast assuming ~$1,500/mo principal paydown + retirement accrual. Real per-month series will come from continuous-history retirement + home-value tracking. (The SQLite balance history at balance_history.json works for per-account drill but not whole-portfolio trend — it shows accounts as they appear in statements, not as they existed.)
Where the wealth sits today
Home equity and combined retirement carry most of the positive net worth. Unsecured debt (Bonnie + 401(k) loans + CCs + Lafayette + student loan) is the drag — visible as the negative slice in the legend.
- Retirement net $434,645
- Home equity $240,667
- Vehicles + cash $23,249
- Less unsecured debt −$352,312
What we own · with freshness pills
Each line shows the last data source. Current = parsed from a statement within 35 days. As-of = older statement. Stale = >90 days. Estimated = not parsed from data (Zillow, KBB).
Home (Zillow estimate) Zillow 2026-05-19
Estimated $571,000 Topher 401(k) @ Fidelity 2026-05 statement
Current $337,473 Jaime 401(k) @ Fidelity 2026-05 statement
Current $144,753 Vehicles (KBB estimate) Manual placeholder · needs KBB
Estimated $100,000 Topher Synchrony stock plans Fidelity TOD
Current $23,960 Pathways HELOC available Pathways
Current $10,567 USAA savings + envelopes 2025-12 statement
As-of $6,700 Topher Fidelity individual Fidelity TOD
Current $4,351 Pathways Premier Checking Pathways
As-of $5,000 Jaime Synchrony stock plans Fidelity TOD
Current $3,507 Cap1 360 joint 2026-04 statement
As-of $194 Total assets $1,207,505
What we owe · with freshness pills
Student loan is the staleness outlier — last balance from July 2024. Topher needs to log into Nelnet to refresh under the current SAVE / IBR servicing state.
Newrez mortgage @ 2.875% 2026-05-02
Current $330,333 Federal student loan (Nelnet) 2024-07 last seen
Stale $178,949 Lincoln Nautilus auto loan 2026-05-17
Current $53,561 F-150 Lightning auto loan 2026-04-30
Current $50,368 Pathways HELOC 2026-04-22
Current $49,433 Bonnie family loan Memory: project_bonnie_clary_loan
As-of $60,000 Topher 401(k) loan 2026-05 statement
Current $46,909 Jaime 401(k) loan 2026-05 statement
Current $33,491 Lafayette patio loan 2026-04-30
Current $25,497 Topher credit cards (total) Snapshot
Current $19,221 Jaime credit cards (total) Snapshot
As-of $13,988 Total liabilities $861,750