Cash/Liquid Savings:

$1,686 Animal Fund ($1,214)

$6,042 Escrow Fund ($7,537)

$2,062 Checkings ($6,427)

$20 Car Fund ($20

$1,119 HSA ($1,491)

$10,929 Total Liquid Savings ($16,689)

Retirement:

$42,860 DH's 401K ($45,294)

$5,050 DH's IRA ($5,463)

$16,122 My IRA ($15,337)

$64,032 Total Retirement ($66,094)

Liabilities:

-$115,833 Mortgage (-$119,044)

-$10,861 Land Loan (-$0)

-$1,263 Hospital Loan (-$0)

-$127,957 Total Liabilities (-$119,044)

Assets:

$185,000 House
$20,000 in Cars (not counted in figures)

2022 Total Net Worth: $132,004 ($148,739)
2022 Net Worth without Mortgage & House: $62,837 ($82,783)

Numbers in () are 2021 figures for comparison.

This is the first year we have lost progress that I can remember. I do know the land we purchased increased our house value but I'm not sure by how much without a new appraisal, and the markets are down even though we kept contributing this year. Sadness.

A wake up call that in 2023 we need to do better at more saving, less spending, and knocking down our debts again. I'll have to think a while on specific goals to set for the year with our tight budget.