Here are our final numbers for 2024. Numbers in () are 2023 figures for comparison.

Cash/Liquid Savings:

$1,903 Animal Fund ($1,034)

$25,186 Escrow Fund ($4,898)

$4,855 Checkings ($2,056)

$300 Cash Fund ($240)

$3,244 HSA ($1,740)

$3,312 529s ($0)

$38,800 Total Liquid Savings ($9,968)

Retirement:

$76,020 DH's 401K ($59,560)

$7,062 DH's IRA ($6,171)

$30,244 My IRA ($23,104)

$113,326 Total Retirement ($88,835)

Liabilities:

-$110,003 Mortgage (-$112,931)

-$6,204 Land Loan (-$8,389)

-$0 Hospital Loan (-$441)

-$116,207 Total Liabilities (-$121,761)

Assets:

$220,000+ House
$20,000 in Cars (not counted in figures)

2024 Total Net Worth: $255,919 ($162,042)
2024 Net Worth without Mortgage & House: $145,922 ($89,973)

Very happy to see everything has improved this year. Despite inflation making this year's income equal to what it was several years ago for us. :/

Our retirement accounts are finally bringing in the same amount or more in interest as what we are contributing each year so that is exciting.  

2025 we are trying to be more conscious of our spending. I think we do pretty well but there is always room for improvement. This is also the year my husband's work negotiates the next three years' raises. I'm really really hoping for at least 10% raise this year. *fingers crossed*