October tested the habit.
This is the second installment of the resumed monthly series — the full balance sheet, the portfolio snapshot, the income and expenses, posted whether the month was kind or not. This month was not kind. The bottom line reads $4,150,142.45, down $292,253.56 from September's $4,442,396.01.
Accountability cuts both ways. Here are the numbers.
Welcome to my monthly net worth update! Here is how my assets, liabilities, and net worth have changed over the past month:
| Balance on 9/30/2026 | Balance on 10/31/2026 | $ Change | % Change | % of Net Worth | |
|---|---|---|---|---|---|
| ASSETS | |||||
| Cash | (270,100.99) | (270,447.81) | (346.82) | — | -6.52% |
| Bonds | 550.00 | 550.00 | 0.00 | 0.00% | 0.01% |
| Stocks in taxable accounts | 3,532,776.05 | 3,415,516.05 | (117,260.00) | -3.32% | 82.30% |
| Total current assets | 3,263,225.06 | 3,145,618.24 | (117,606.82) | -3.60% | 75.80% |
| Tax-deferred accounts | 744,541.87 | 597,580.14 | (146,961.73) | -19.74% | 14.40% |
| Roth IRA | 299,223.42 | 275,130.69 | (24,092.73) | -8.05% | 6.63% |
| Home (Zestimate) | 94,100.00 | 93,600.00 | (500.00) | -0.53% | 2.26% |
| Gold (10.77 oz) | 44,819.57 | 41,727.29 | (3,092.28) | -6.90% | 1.01% |
| Other non-current assets (529, etc.) | 2,103.93 | 2,103.93 | 0.00 | 0.00% | 0.05% |
| Total assets | 4,448,013.85 | 4,155,760.29 | (292,253.56) | -6.57% | 100.14% |
| LIABILITIES & EQUITY | |||||
| Total liabilities | 5,617.84 | 5,617.84 | 0.00 | 0.00% | 0.14% |
| Equity (net worth) | 4,442,396.01 | 4,150,142.45 | (292,253.56) | -6.58% | 100.00% |
Net worth: Bottom line up front, my net worth decreased by $292,253.56, down 6.58% this month. Tax-deferred accounts (all in TQQQ) fell $146,961.73 (-19.74%) — the largest single drag — while taxable stocks fell $117,260.00 (-3.32%) on marked-to-market losses and my Roth IRA fell $24,092.73 (-8.05%). Gold pulled back $3,092.28 (-6.90%), the home Zestimate eased $500 (-0.53%), and cash dipped $346.82. Liabilities were unchanged. The S&P 500 fell 0.93% in October, closing at 7,580.07.
Here is the breakdown of my balance sheet:
Liquid net worth stands at $3,456,858.38, or 83.29% of net worth. My net worth is now 547.51 times the S&P 500 index — the multiple I track to keep myself honest against the market.
October was a red month in a year that is still solidly green. The damage was concentrated in the investment rows — taxable, tax-deferred, and Roth all fell — while cash, bonds, and the 529 barely moved. No leverage, no change in liabilities, savings rate intact. Onward.
See also: Portfolio Update October 2026
Previously: Net Worth Update September 2026
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