It’s been a month already, so let’s check the ledger.
The September Position
Wealth demands radical transparency. If you choose to walk this path with me, you deserve nothing less than truth.
The Numbers:
Net worth: $339,693.54, down $8,812.46 month over month
Liquid capital: $32,991.24
Accessible wealth: $32,991.24
Passive income: $35 per month ($420 annualized)
Debt outstanding: $18,916.12 at 16% APR
That's the baseline. The machine is running, but this month carried friction costs and tighter liquidity.
The Strategy
Keep the $1,500 per month flows alive. Prioritize paying down the expensive debt while rebuilding operating cash. Keep the Emergency Fund locked. Let retirement and locked accounts continue compounding.
Why it moved?
Asset values softened and debt grew, which pulled net worth down and tightened liquidity.
📊Month change: −$8,812.46 • Asset delta −$5,896.34 • Debt delta +$2,916.12
Debt tracker
Current: $18,916.12 at 16% APR • Next target: $16,900 by next month
This was an unavoidable increase in debt. You just have to roll with it. However, this is the number one target to remove!
Action you can copy
Move one recurring expense you do not need into a temporary debt snowball line this month. Keep your automated investing alive while you do it.
System health
Automations ran. Emergency Fund remained locked. Retirement and locked accounts continued compounding.
Risk note
Liquidity is tight with low cash on hand. A surprise expense could force a bad sale or add to debt. Priority remains rebuilding operating cash while reducing high‑interest balance.