By The Numbers
Comparison By Age
($68,988)
$4,379,000
Comparison By Occupation
($57,400)
$4,886,000
Comparison By Education
($43,028)
$5,510,000
Comparison By Salary
($158,649)
$5,510,000

kinless' Profile

Currency
United States Dollar - USD
Date Joined
9/22/2018
Salary Range
90,000 - 99,999
Occupation
Computer Programming
Age Range
40-44
About Me
I've been interested in finances ever since high school, but didn't focus on net worth measurements until around 2008. In the career world I'm currently a Lead Web Developer for a healthcare advertising agency, but I also have several side hustles including music performance, freelance web development, tech repair/troubleshooting, and even photography. Financially, I was raised in a conservative family and shown the important value of maximizing saving and avoiding interest.
Why I Joined
I started on NetWorthIQ in 2008 but moved here as that site has become somewhat abandoned and unstable. I like to see where I stand among my peers, especially in the ranks of age, education, and profession.
Best Financial Decision
I lived at home with my folks (helping with the rent) until the age of 33, allowing me to maximize savings and purchase a home at a decent price during the "Great Recession" which has appreciated considerably since then.
Worst Financial Decision
On the flip side of saving for a house, I wasn't maximizing retirement contributions at the time. As a result I'm considerably behind in where I should be for my age, although I seem to be far ahead of the national average.
Current Investing Strategy
As salary has steadily increased the last few years, I have recalibrated cash flow to maximize SEP IRA, HSA, and Roth IRA balances first, for a 15% savings rate. This is currently the best savings rate attainable as I live in a HCOL (high cost of living) area.
How do you manage your finances?
I have several accounts designated for specific tasks. First is personal checking for all bills, utilities and the mortgage. Second is business checking where side income, medical and retirement contributions are sourced. Third is a 6-month emergency fund housed in a high-yield online savings account. Last is personal savings for home improvement/repair, travel, or fun wish list items, usually funded by bonuses or gifts.
What tools do you use?
In addition to Quicken and Quickbooks, I keep watch over my daily balances on Mint and Personal Capital.
I need financial help with...
Making the best choices for mutual and index funds that make up the retirement portfolio.
Favorite Books
Don't really read books much. Too busy working and keeping up with daily tech news!
Favorite Movies
Trilogy movies or series in the way of action, science fiction or fantasy genres.
Website
http://www.kinless.com
Last Login
1/4/2019
Net Worth Entries
All values shown in USD ($)
2018 - December $890,533 $264,433 $626,100
2018 - November $892,146 $266,509 $625,637
2018 - October $883,564 $266,505 $617,059
2018 - September $881,931 $267,586 $614,345
2018 - August $874,840 $271,136 $603,704
2018 - July $867,884 $271,380 $596,504
2018 - June $858,091 $272,161 $585,930
2018 - May $850,325 $272,745 $577,580
2018 - April $842,782 $272,761 $570,021
2018 - March $836,321 $273,373 $562,948
2018 - February $830,261 $271,953 $558,308
2018 - January $830,990 $272,777 $558,213
2017 - December $819,426 $273,537 $545,889
2017 - November $819,062 $274,705 $544,357
2017 - October $811,476 $274,658 $536,818
2017 - September $804,399 $276,670 $527,729
2017 - August $799,617 $277,894 $521,723
2017 - July $797,840 $279,198 $518,642
2017 - June $793,801 $280,805 $512,996
2017 - May $789,635 $279,809 $509,826
2017 - April $783,710 $278,990 $504,720
2017 - March $780,417 $280,466 $499,951
2017 - February $774,048 $278,741 $495,307
2017 - January $766,429 $279,848 $486,581
2016 - December $760,795 $281,301 $479,494
2016 - November $753,196 $281,651 $471,545
2016 - October $747,707 $281,595 $466,112
2016 - September $746,756 $282,250 $464,506
2016 - August $743,959 $282,626 $461,333
2016 - July $740,072 $283,553 $456,519
2016 - June $734,321 $284,151 $450,170
2016 - May $732,279 $284,717 $447,562
2016 - April $730,611 $284,980 $445,631
2016 - March $729,310 $286,069 $443,241
2016 - February $719,886 $286,740 $433,146
2016 - January $718,958 $287,463 $431,495
2015 - December $723,365 $290,399 $432,966
2015 - November $722,062 $291,199 $430,863
2015 - October $717,664 $289,260 $428,404
2015 - September $708,883 $289,938 $418,945
2015 - August $709,419 $291,064 $418,355
2015 - July $711,408 $292,768 $418,640
2015 - June $706,922 $292,250 $414,672
2015 - May $705,190 $291,599 $413,591
2015 - April $701,738 $291,657 $410,081
2015 - March $697,676 $292,437 $405,239
2015 - February $694,696 $292,832 $401,864
2015 - January $687,547 $293,696 $393,851
2014 - December $689,737 $295,070 $394,667
2014 - November $685,180 $296,578 $388,602
2014 - October $679,134 $296,186 $382,948
2014 - September $672,745 $296,293 $376,452
2014 - August $670,242 $297,161 $373,081
2014 - July $660,134 $297,908 $362,226
2014 - June $653,261 $298,178 $355,083
2014 - May $644,827 $299,345 $345,482
2014 - April $635,156 $299,817 $335,339
2014 - March $620,410 $299,300 $321,110
2014 - February $615,875 $299,741 $316,134
2014 - January $605,828 $301,072 $304,756
2013 - December $602,443 $302,497 $299,946
2013 - November $595,429 $303,012 $292,417
2013 - October $590,656 $303,657 $286,999
2013 - September $582,671 $304,149 $278,522
2013 - August $574,273 $304,006 $270,267
2013 - July $571,884 $304,807 $267,077
2013 - June $558,293 $304,830 $253,463
2013 - May $553,021 $305,429 $247,592
2013 - April $540,284 $305,494 $234,790
2013 - March $536,044 $306,156 $229,888
2013 - February $532,074 $306,742 $225,332
2013 - January $528,911 $307,211 $221,700
2012 - December $525,035 $309,290 $215,745
2012 - November $522,549 $309,434 $213,115
2012 - October $520,800 $309,149 $211,651
2012 - September $520,666 $309,963 $210,703
2012 - August $523,899 $312,548 $211,351
2012 - July $524,836 $314,119 $210,717
2012 - June $523,883 $312,799 $211,084
2012 - May $522,025 $312,678 $209,347
2012 - April $524,524 $313,239 $211,285
2012 - March $524,436 $313,778 $210,658
2012 - February $526,702 $314,884 $211,818
2012 - January $526,014 $315,418 $210,596
2011 - December $521,630 $316,253 $205,377
2011 - November $522,139 $317,117 $205,022
2011 - October $523,916 $317,458 $206,458
2011 - September $521,942 $318,128 $203,814
2011 - August $527,662 $318,997 $208,665
2011 - July $526,560 $322,018 $204,542
2011 - June $529,327 $323,880 $205,447
2011 - May $530,384 $323,229 $207,155
2011 - April $533,941 $324,399 $209,542
2011 - March $534,221 $324,192 $210,029
2011 - February $546,860 $326,365 $220,495
2011 - January $547,957 $326,460 $221,497
2010 - December $543,316 $319,116 $224,200
2010 - November $531,819 $319,063 $212,756
2010 - October $217,720 $576 $217,144
2010 - September $211,085 $1,256 $209,829
2010 - August $207,838 $1,029 $206,809
2010 - July $210,264 $1,348 $208,916
2010 - June $201,155 $1,847 $199,308
2010 - May $204,734 $2,053 $202,681
2010 - April $202,654 $1,801 $200,853
2010 - March $199,297 $1,380 $197,917
2010 - February $189,783 $1,122 $188,661
2010 - January $185,797 $704 $185,093
2009 - December $182,421 $1,256 $181,165
2009 - November $177,445 $1,643 $175,802
2009 - October $175,066 $1,358 $173,708
2009 - September $168,738 $1,591 $167,147
2009 - August $164,600 $1,459 $163,141
2009 - July $160,041 $918 $159,123
2009 - June $153,505 $644 $152,861
2009 - May $151,741 $501 $151,240
2009 - April $145,651 $1,391 $144,260
2009 - March $141,096 $881 $140,215
2009 - February $138,535 $1,000 $137,535
2009 - January $138,998 $1,215 $137,783
2008 - December $138,649 $763 $137,886
2008 - November $137,138 $1,157 $135,981
2008 - October $136,500 $879 $135,621
2008 - September $136,395 $378 $136,017
2008 - August $137,258 $901 $136,357
2008 - July $135,891 $662 $135,229
2008 - June $134,502 $615 $133,887
2008 - May $133,315 $227 $133,088
2008 - April $129,691 $471 $129,220
2008 - March $127,817 $615 $127,202
2008 - February $127,387 $1,815 $125,572
2008 - January $127,482 $4,834 $122,648
2007 - December $127,345 $469 $126,876
2007 - November $126,113 $743 $125,370
2007 - October $121,009 $1,377 $119,632
2007 - September $117,565 $652 $116,913
2007 - August $115,149 $1,273 $113,876
2007 - July $113,058 $1,526 $111,532
2007 - June $112,403 $2,367 $110,036
2007 - May $107,135 $2,442 $104,693
2007 - April $105,407 $2,979 $102,428
2007 - March $104,408 $3,908 $100,500
2007 - February $97,368 $4,091 $93,277
2007 - January $95,064 $4,951 $90,113
2006 - December $95,282 $7,211 $88,071
2006 - November $92,665 $8,179 $84,486
2006 - October $89,458 $6,115 $83,343
2006 - September $88,684 $6,347 $82,337
2006 - August $86,677 $7,753 $78,924
2006 - July $85,798 $8,502 $77,296
2006 - June $84,206 $8,492 $75,714
2006 - May $79,138 $8,673 $70,465
2006 - April $79,031 $9,373 $69,658
2006 - March $76,887 $9,652 $67,235
2006 - February $74,909 $10,766 $64,143
2006 - January $73,147 $10,548 $62,599
2005 - December $72,797 $11,763 $61,034
2005 - November $68,579 $12,395 $56,184
2005 - October $65,889 $12,803 $53,086
2005 - September $66,137 $13,788 $52,349
2005 - August $63,922 $14,179 $49,743
2005 - July $64,197 $13,984 $50,213
2005 - June $62,761 $14,422 $48,339
2005 - May $62,555 $14,335 $48,220
2005 - April $56,595 $14,621 $41,974
2005 - March $55,595 $15,283 $40,312
2005 - February $54,892 $16,402 $38,490
2005 - January $53,040 $17,020 $36,020
2004 - December $52,848 $17,658 $35,190
2004 - November $49,726 $17,868 $31,858
2004 - October $46,997 $18,359 $28,638
2004 - September $45,652 $18,860 $26,792
2004 - August $44,443 $19,150 $25,293
2004 - July $35,423 $1,121 $34,302
2004 - June $32,695 $940 $31,755
2004 - May $30,297 $2,398 $27,899
2004 - April $27,196 $486 $26,710
2004 - March $24,989 $506 $24,483
2004 - February $21,932 $811 $21,121
2004 - January $20,283 $587 $19,696
2003 - December $19,310 $1,685 $17,625
2003 - November $16,593 $920 $15,673
2003 - October $15,685 $659 $15,026
2003 - September $14,182 $509 $13,673
2003 - August $14,167 $505 $13,662
2003 - July $13,755 $1,775 $11,980
2003 - June $14,659 $3,333 $11,326
2003 - May $13,175 $552 $12,623
2003 - April $11,979 $497 $11,482
2003 - March $11,582 $1,797 $9,785
2003 - February $9,748 $2,118 $7,630
2003 - January $8,559 $1,102 $7,457