2025 was a strong year for growth.  My overall net worth increased by 24.5% compared to 2024.  This was driven by significant gains in 401(k) (+26.7%), Roth IRA (+21.7%), & home equity (+48.7%).

Net Earnings Overview

I consider Giving, Taxes, HSA Contributions, and 15% gross salary Retirement Contributions non-negotiable. Given this, I excluded these categories when reviewing my 2025 net earnings, outlined by the pie chart below. Similar to last year, the proportion of earnings from my primary W-2 job accounts for a very large percentage of the total.  A primary goal moving forward is to diversify income streams so as to not be as reliant on once income source.

Net Income Allocation Overview

As stated above, since I consider Giving, Taxes, HSA Contributions, and 15% gross salary Retirement Contributions non-negotiable, I excluded these categories when reviewing my 2025 net income allocation, outlined by the pie chart below:

Net Income Allocation Key Takeaways

Housing & Utilities. Housing expenses, including utilities consumed 36% of my earnings for the year. Paying-off my mortgage early remains a high priority, but that won’t happen until 2030.
Food. 15% of net income went toward groceries with another 4% on restaurants & take-out.