Net Worth NOV 2025

Chart updated to end of NOV in sidebar.

Stocks/cash decreased -$11,265 (-2.30%) to $487,063.

Retirement savings (SMSF etc.) decreased by -$20,392 (-0.88%) to $2,295,343.As I am currently unemployed/retired there are no contributions adding to the balance, so this decrease was due to both market losses and the small monthly decline in the 'guaranteed cashback' value of my QSuper pension accounts (due to monthly pension payments).

Est. valuation of our home (my half) increased by $9,069 (+0.73%) to $1,247,620. The estimated value of the 'Other real estate' (my 'lake house' and the investment apartment) increased by $11,077 (+0.52%) to $2,154,247.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $5,315 (+6.79%) to $83,595. I am currently still adding $200 worth of gold to my Perth Mint online depository account each month.

Overall, NW decreased by -$6,396 (-0.12%) to $5,275,877 during Nov. It needs to increase by about 0.2% per month on average to keep pace with inflation (I.e. maintain real value).

My rental apartment has been leased with a new tenant for the next 12 month, and the rent increase compared to the previous tenants (who wanted to keep the rent unchanged for the second year in a row) is enough to offset the three week vacancy period during the first 6 months of the lease, so it worked out OK. Still not sure what I will do in the long term, as having a negatively geared investment property doesn't make sense if I don't have a full-time job with significant income tax to offset. I'll reevaluate things next June, as for this financial year the taxable component of the redundancy package should still make the negative gearing worthwhile. Hopefully I get a full-time job in the financial planning industry, otherwise I may have to start some sort of profitable small business (as I have about $100K of 'carried  forward' business losses from previous sole trader activities that I need to eventually make use of).

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Net Worth OCT 2025

Chart updated to end of OCT in sidebar.

Stocks/cash increased $5,107 (+1.04%) to $498,825.

Retirement savings (SMSF etc.) increased by $32,525 (+1.42%) to $2,315,735.As I am currently unemployed/retired there are no contributions adding to the balance, so this increase was due entirely to market gains (minus the small monthly decline in the 'guaranteed cashback' value of my QSuper pension accounts due to monthly pension payments).

Est. valuation of our home (my half) increased by $11,141 (+0.91%) to $1,238,551. The estimated value of the 'Other real estate' (my 'lake house' and the investment apartment) increased by $4,469 (+0.21%) to $2,143,170.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $4,087 (+5.51%) to $78,280. I am currently still adding $200 worth of gold to my Perth Mint online depository account each month.

Overall, NW increased by $57,329 (+1.10%) to $5,282,273 during Oct. It needs to increase by about 0.2% per month on average to keep pace with inflation (I.e. maintain real value).

I've so far applied for 66 positions and not had any real interest. I suspect I am overqualified for the Junior/Assistant Financial Advisor positions I've applied for, and probably lack the relevant experience required for a salaried financial advisor position. I may also be considered too old (as the list of qualifications and dates on the CV make one's age quite obvious).

The contract AI work I had been offered was cancelled (lack of funds for the project). So I'll do a few of the miscellaneous AI piece-work tasks to earn a bit of 'pocket money'.

I only recorded one youtube videos during October -- I'll try to do at least one a week from now on to see if it slowly gains views and subscribers (or not). (I said the same thing last month).

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Net Worth SEP 2025

Chart updated to end of SEP in sidebar.

Stocks/cash decreased -$3,155 (-0.64%) to $493,421. Mostly due to stock market and the negative gearing property investment impact on my cash flow.

Retirement savings (SMSF etc.) increased by $26,156 (+1.16%) to $2,283,210.As I am currently unemployed/retired there are no contributions adding to the balance, so this increase was due entirely to market gains (minus the small monthly decline in the 'guaranteed cashback' value of my QSuper pension accounts).

Est. valuation of our home (my half) increased by $35,499 (+2.98%) to $1,227,410 , but this was offset by the decrease in estimated value of the 'Other real estate' (my 'lake house' and the investment apartment) which decreased by -$33,322 (-1.53%) to $2,138,701. Overall a net decrease in real estate estimated valuations this past month.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $6,982 (10.39%) to $74,193. I am currently still adding $200 worth of gold to my Perth Mint online depository account each month.

Overall, NW increased by $32,160 (0.62%) to $5,224,944 during Sep. It needs to increase by about 0.2% per month on average to keep pace with inflation (maintain real value).

I've so far applied for 54 positions and so far had 27 confirmed rejection notifications, another 20 or so were likely unsuccessful, and 6 are likely still being 'considered'. I had one 'initial interview' with a prospective employer last week (will hear next week if I am invited to a second interview), and one telephone interview with a placement agency acting for a local position.

I also did a short evaluation 'bootcamp' online for a US AI training company, which paid about A$440, and they have offered me a contract part-time job (max 8 hrs/wk at about A$100/hr). Between doing a few nights of Door Dash and this contract AI work I *might* make around A$K/wk for the next few months. We'll see. I also need to do some more work on my PhD.

I only recorded one youtube videos during September -- I'll try to do at least one a week from now on to see if it slowly gains views and subscribers (or not).

I managed to get my global ranking in Fortnite to 'unreal' (currently just in the 'top' 2,000). I really should stop watching youtube and playing Fortnite and instead do some work on my PhD literature review ;) I might do some youtube videos of 'how to rank in Fortnite if you have bad eyesight, slow reactions, and can't build things' --- should be a hit with the over-60 gamers ? ;)

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Net Worth AUG 2025

Chart updated to end of AUG in sidebar.

Stocks/cash increased $1,397 (+0.28%) to $496,576. My monthly pension from QSuper commenced during the month, which should cover the bulk of my basic living expenses. The negatively geared investment property will be a net cash sink each month, so this figure will likely slowly decline during the year, until I make my annual minimum required withdrawal from my SMSF pension phase account next June.

Retirement savings (SMSF etc.) increased by $35,740 (+1.61%) to $2,257,054.As I am currently unemployed/retired there are no contributions adding to the balance, so this increase was due entirely to market gains (minus the small monthly decline in the 'guaranteed cashback' value of my QSuper pension accounts).

Est. valuation of our home (my half) was again unchanged at $1,191,911 (for the seventh month in a row!). And the 'Other real estate' (my 'lake house' and the investment apartment) increased by $2,601 (0.12%) to $2,172,023. This month the estimated value of my investment apartment again rose slightly, while the estimated value of my holiday home was unchanged.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $2,741 (4.25%) to $67,211. I am currently adding $200 worth of gold to my Perth Mint online depository account each month.

Overall, NW increased by $42,479 (0.82%) to $5,192,784 during Aug.

I've so far applied for 46 positions and so far had 15 confirmed rejection notifications, another 12 or so were likely unsuccessful, and 12 are likely still being 'considered'. I'm aiming for at least one application per day -- sticking with Financial Planning, Associate Planner and related jobs in the Sydney area. We'll see how it goes.

I recorded three 'test' youtube videos during August -- the first one got 23 views (likely given a 'boost' by the youtube algorithm as a new content provider), but the other two videos only received 1 and 2 views respectively. I'll keep putting up one or two videos a week and see how things progress (or don't progress).

I managed to get my global ranking in Fortnite to 'unreal' (currently just in the 'top' 7,000). I really should stop watching youtube and playing Fortnite and instead do some work on my PhD literature review ;)

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