5/31/2025	4/29/2025	Difference	% Change	6/2/2024	YoY Diff	% Change
401K	$ 328,591	$ 306,755	$ 21,836	7.1%	263,270	$ 65,321	24.8%
Roth IRA	$ 53,866	$ 50,234	$ 3,632	7.2%	40,864	$ 13,002	31.8%
Brokerage Accts	$ 3,278	$ 2,827	$ 451	15.9%	2,822	$ 456	16.1%
Cash	$ 26,917	$ 22,862	$ 4,055	17.7%	4,487	$ 22,430	499.9%
HSA	$ 3,523	$ 3,400	$ 123	3.6%	3,395	$ 128	3.8%
Total	$ 416,174	$ 386,078	$ 30,096	7.8%	$ 314,838	$ 101,336	32.2%
Credit Cards	$ –	$ –	$ –	#DIV/0!	697	$ (697)	-100.0%
Auto Loan	$ –	$ –	$ –	#DIV/0!	10,209	$ (10,209)	-100.0%
Net Total	$ 416,174	$ 386,078	$ 30,096	7.8%	$ 303,932	$ 112,242	36.9%

Happy to say my net worth is above $400k again for now. It’s mind blowing how quickly things can change from one month to the next. At a bare minimum I want to have $1M by 59.5, but $2M would be ideal. It will be a gradual thing though, not trying to burnout or risk everything to get rich quickly. Up $112k in a year is pretty good and a 7.8% improvement from May.

Recently I’ve been running into isuses with the apartment rental. 4 trips needed to be made for the ceiling leaking only to find out that the leak is coming from the unit upstairs not mine. Or at least one of the leaks. It’s been over a week with 1-3 buckets in my bathroom near the ceiling drain pain. I moved in here December 2014. I’ve opened 39 maintenance related tickets and spent close to $125k on rent. I’ve accumulated an impressive investment portfolio at least by my standards and the sacrifice was worth it. When I moved into this apartment I was earning close to $65k per year and still laden with student loan debt. That is not the case today. I am debt free and rapidly stockpiling cash.

April 2012 in my post ‘ Why We’re Buying a Townhouse‘ the market was different, interest rates were 3.65% for an 1800 sq ft place built in the 1970s. That was with my ex at the time and we both moved in right away. The house value was around $140k, fast fwd to 2025 and that very same townhome which one could consider a starter home is now valued at $300k. It would be bad luck to buy something on the same block as where I used to live and the entire community while nice reminds me of that chapter in my life. One that is long since gone.

I made an offer on a place down the street from me, it seemed promising. The place had an offer but it wasn’t accepted, then I made my offer quickly only to find out I had been outbid. Am I sad about it? Not really, the square footage was over 2200 which is a lot for 2 people especially since one of us wouldn’t be moving until a year from now. A few of the rooms needed some painting work, the electrical system had aluminum wires, a few of the light fixtures were old, and the immediately adjacent unit was being renovated. Then there was an HOA for $192 which was sort on the cusp of what I’d be comfortable paying. It even had a nice loft area I could envision using to work from home.

The townhouse that never was for me

I’ve driven by over 12 different properties and toured through 3 of them. The 2nd one had a beautiful pool in the backyard but the roof was buckling in certain areas, there was some rotting wood in the back that would cost a lot of money to replace. The pool was also very much above ground and could be a huge liability if it started leaking for some reason. The last one I made an offer on and still waiting to hear back whether the seller accepted. Some things I like about it

1. The overall area seems a slight bit quieter
2. Home is built in 1983 as opposed to 1972
3. Exterior-wise less maintenance would have to be done
4. Zero HOA, this is close to a month’s mortgage payment over the course of a year
5. Less sq footage means less money to heat and cool the property
6. Both had lots of natural light
7. Able to park a camper in the driveway if my parents happened to come and visit
8. Location is less than 17 miles from the gay part of Dallas and 20 miles from downtown – Someone I know of bought in Arlington and they’re 30 miles away from anything their care about and the home is from early 70s and was complaining about the shower suddenly stopping working
9. The roof has been replaced in the last few years and according to the owner has a warranty

My offer hasn’t been accepted yet, and there are a few steps that would need to take place afterward. I’ve been looking online for the past few months and talking about it on this blog for years. We’ll see if I’m one step closer or back to the drawing board. Planning to put down a small down payment in the interest of keeping more of an emergency fund on hand since the timing is a pretty small window between saving more money and an estimated closing date. Technically my apartment lease is up 8/13 so I need to get this all done by then. So if it seems I’m doing this all quickly there’s a reason for it. Especially with 2 weeks in Europe coming up. I am not planning to touch any of my investments though it’s temping at times.

Sold my extra living room loveseat for $58 – My living room feels so much more open now. It was also a 10+ year old piece of furniture, change can be a good thing.

Buying a home will be an adjustment in terms of my monthly overhead. However a lot of people at this stage of life purchase real estate. I don’t want to be renting an apartment in my 50s. I have a huge % of my net worth tied up in retirement and it’s time to start diversifying a bit. The goal is to have my bf move in with me next year once his lease is up so that would be a huge help with some of the overhead.

I was doing well with my sleep until recently with everything going on. Things will get better, I just don’t like when in a limbo period. Also worth mentioning no one else is helping me with this down payment nor have I asked. Maybe that will change one day, but highly unlikely. Anyway it’s 2:30am here, will post something else later in June for any new developments.