By The Numbers
Comparison By Age
($360,049)
$1,447,857
Comparison By Occupation
$28,653
$3,304,238
Comparison By Education
($62,200)
$9,450,000
Comparison By Salary
($68,988)
$9,002,000

mdv1984's Profile

Date Joined
1/20/2018
Salary Range
100,000 - 149,999
Occupation
Architecture/Engineering
Age Range
30-34
About Me
I'm a 34 year old federal employee, working as an engineer. I graduated college in June 2007, and I saved to buy a house since graduating. On October 1, 2012 I paid my final apartment rent check, and stepped into the world of home ownership October 19.
Why I Joined
I am interested in tracking my net worth, and wanted to see what other people my age earn, and how they have their money invested.
Best Financial Decision
Living at home during college, and building a retirement account right when I started my career. Buying a house near the bottom of the interest rate mountain. 3.5%, fixed for 30 years!
Worst Financial Decision
Getting a car loan within 3 months of graduating college.
Current Investing Strategy
I am currently investing 10% into my TSP and my wife's 401(k), and the maximum $5500 into our Roth IRAs, we paused the Roth contributions in 2017 to afford my wife's college education, but plan to begin again after she gets a full time job. I am also saving cash in an Capital One 360 account earning 1%. In November 2012, I opened a taxable investment account, and started investing outside of retirement. As of May 2015 I am invested at a 80/20 stock/bond ratio, and hope in the future to diversify into REITs and international stocks. I contribute $150 monthly to the Vanguard Total Stock Market Index(VTSAX), and $100 monthly to the Vanguard Total Bond Market Index (VBMFX), when the funds are available.
How do you manage your finances?
I have a very precise Excel budget that tracks EVERY penny, both incoming and outgoing. I pay all of my bills online, it is very easy to keep track of my money that way. I also use Mint.com. Additionally I have lots of different savings accounts, kind of like electronic envelopes to control our spending in each category outside of our basic needs (shelter, utilities, and food).
What tools do you use?
For my budget I use Excel, it is easily customizable. I even project into the future for gas prices, retirement funds, and bank accounts. I also use TSPtalk.com and CNBC, I like to know what the markets are doing constantly. I also ask friends and family how they invest their money.
I need financial help with...
Balancing life and growing Net Worth. Before I was married with children, it didn't matter to anyone but me how money was spent, but adding wife and children, there are a lot more needs, and unexpected items that pop-up. Even though I have been married a few years, I still hate spending money on things I think are wasteful.
Last Login
8/4/2018
Net Worth Entries
2018 - August $687,245 $152,001 $535,244
2018 - July $677,360 $152,234 $525,126
2018 - June $671,803 $152,467 $519,336
2018 - May $660,763 $152,699 $508,064
2018 - April $657,774 $152,930 $504,844
2018 - March $655,795 $153,160 $502,635
2018 - February $669,056 $153,390 $515,666
2018 - January $656,838 $153,619 $503,219
2017 - December $651,262 $153,847 $497,415
2017 - November $640,528 $154,075 $486,453
2017 - October $633,310 $154,301 $479,009
2017 - September $624,363 $154,527 $469,836
2017 - August $623,298 $154,752 $468,546
2017 - July $615,501 $154,976 $460,525
2017 - June $606,836 $155,200 $451,636
2017 - May $547,096 $91,264 $455,832
2017 - April $548,028 $91,449 $456,579
2017 - March $542,003 $91,633 $450,370
2017 - February $524,453 $91,816 $432,637
2017 - January $522,867 $91,999 $430,868
2016 - December $512,092 $92,182 $419,910
2016 - November $502,113 $92,364 $409,749
2016 - October $508,521 $92,545 $415,976
2016 - September $500,989 $92,726 $408,263
2016 - August $496,201 $92,906 $403,295
2016 - July $480,984 $93,086 $387,898
2016 - June $473,240 $93,265 $379,975
2016 - May $468,114 $93,444 $374,670
2016 - April $463,415 $93,622 $369,793
2016 - March $444,923 $93,800 $351,123
2016 - February $447,378 $93,977 $353,401
2016 - January $457,567 $94,154 $363,413
2015 - December $463,153 $94,330 $368,823
2015 - November $459,989 $94,506 $365,483
2015 - October $441,382 $94,681 $346,701
2015 - September $445,048 $94,855 $350,193
2015 - August $454,707 $95,029 $359,678
2015 - July $447,288 $95,203 $352,085
2015 - June $444,458 $95,376 $349,082
2015 - May $439,700 $95,549 $344,151
2015 - April $434,124 $95,721 $338,403
2015 - March $430,610 $95,893 $334,717
2015 - February $415,428 $96,064 $319,364
2015 - January $414,724 $96,234 $318,490
2014 - December $417,939 $96,404 $321,535
2014 - November $414,428 $96,574 $317,854
2014 - October $410,407 $96,743 $313,664
2014 - September $422,710 $96,912 $325,798
2014 - August $412,547 $97,080 $315,467
2014 - July $413,103 $97,248 $315,855
2014 - June $403,619 $97,415 $306,204
2014 - May $392,531 $97,581 $294,950
2014 - April $384,007 $97,748 $286,259
2014 - March $380,273 $97,913 $282,360
2014 - February $374,474 $98,078 $276,396
2014 - January $372,115 $98,243 $273,872
2013 - December $369,021 $98,407 $270,614
2013 - November $364,844 $98,571 $266,273
2013 - October $361,063 $98,735 $262,328
2013 - September $355,760 $98,897 $256,863
2013 - August $352,164 $99,060 $253,104
2013 - July $348,849 $99,222 $249,627
2013 - June $349,596 $99,383 $250,213
2013 - May $345,042 $99,544 $245,498
2013 - April $338,664 $99,705 $238,959
2013 - March $329,320 $99,865 $229,455
2013 - February $326,320 $100,024 $226,296
2013 - January $316,992 $100,183 $216,809
2012 - December $313,318 $100,342 $212,976
2012 - November $309,319 $100,500 $208,819
2012 - October $209,101 $0 $209,101
2012 - September $204,334 $0 $204,334
2012 - August $196,378 $0 $196,378
2012 - July $192,394 $0 $192,394
2012 - June $185,805 $0 $185,805
2012 - May $188,372 $0 $188,372
2012 - April $185,458 $0 $185,458
2012 - March $178,002 $0 $178,002
2012 - February $171,889 $0 $171,889
2012 - January $164,747 $0 $164,747
2011 - December $161,587 $0 $161,587
2011 - November $158,581 $0 $158,581
2011 - October $146,378 $0 $146,378
2011 - September $146,386 $0 $146,386
2011 - August $148,251 $0 $148,251
2011 - July $146,375 $0 $146,375
2011 - June $143,618 $0 $143,618
2011 - May $141,310 $0 $141,310
2011 - April $135,860 $0 $135,860
2011 - March $129,862 $0 $129,862
2011 - February $124,334 $0 $124,334
2011 - January $119,721 $0 $119,721
2010 - December $113,853 $0 $113,853
2010 - November $109,165 $0 $109,165
2010 - October $102,106 $0 $102,106
2010 - September $96,273 $0 $96,273
2010 - August $94,993 $0 $94,993
2010 - July $90,051 $0 $90,051
2010 - June $87,596 $0 $87,596
2010 - May $86,355 $0 $86,355
2010 - April $80,713 $0 $80,713
2010 - March $76,015 $0 $76,015
2010 - February $72,730 $0 $72,730
2010 - January $71,012 $0 $71,012
2009 - December $69,392 $0 $69,392
2009 - November $66,712 $0 $66,712
2009 - October $63,067 $0 $63,067
2009 - September $59,785 $0 $59,785
2009 - August $58,053 $0 $58,053
2009 - July $55,121 $0 $55,121
2009 - June $52,383 $0 $52,383
2009 - May $49,717 $0 $49,717
2009 - April $45,806 $0 $45,806
2009 - March $43,730 $238 $43,492
2009 - February $42,279 $0 $42,279
2009 - January $40,801 $0 $40,801
2008 - December $39,608 $0 $39,608
2008 - November $38,039 $0 $38,039
2008 - October $36,013 $0 $36,013
2008 - September $34,696 $0 $34,696
2008 - August $33,039 $0 $33,039
2008 - July $39,763 $8,363 $31,400
2008 - June $38,924 $8,339 $30,585