I’ve done monthly debt updates but recently I’ve noticed several financial bloggers blogging about their net worth. (And J. Money does a pretty awesome job keeping a list of 200+ financial blogger’s net worth HERE).

It took almost all of last summer for us to decide how we felt about sharing our debt (and now, net worth) publicly. We have lots of friends and family who think we are CRAZY. But I like the idea of transparency. Too many of us live way beyond our means because we think/feel that is what everyone around us is doing.

In the end, for me, I think its really encouraging to see other people’s numbers going up (and my own debt going down) that I think its worth the share. It also keeps us accountable, and will hopefully cheer you up re: your own debt. Cuz yours can’t be as bad as ours! Unless of course you went to school with Danny and had almost no sense of financial literacy prior to starting college + a doctorate degree.

Anyway, I thought it would be fun to calculate ours, since you know, we have negative net worth. And by “fun” what I mean is super depressing but will hopefully be motivating to us this month.

Here it is, in all its glory:


Note: I used Waimea Bay as the backdrop to help myself feel less sad about it. Ocean cures everything.


Danny starts working soon. At some point during the next couple of months just as soon as his license officially comes through. And then the real knocking out the loans begins! I’m so giddy I can’t stand it.

18 thoughts on “OUR NET WORTH

  1. I know the number is depressing, but think how great you’ll feel when you see it getting closer to (and exceeding!) positive! Hoping for Danny’s license to come through sooner rather than later so you can start tackling his loans!

    1. Thanks so much Jax!! And its true, it will be such a great sense of accomplishment when its all paid off. Thanks for the encouragement!

  2. Ouch! Our student loan debt ($117,000) doesn’t seem quite as crazy now. That’s definitely a daunting amount, but you can pay it off! It will be an incredible feeling when it’s gone.

    1. Thanks!! I literally day dream about the day it will all be gone. Its going to feel great! (and for you too!) 🙂

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  5. I commend you both for having the courage to share details of your journey from a negative to positive net worth. There is a stigma associated with sharing personal details about money, and it’s great to see you overcome this. I think your blog will help many others who are in a similar financial situation. I also think that the simple fact of sharing your financial goals will also inspire you to achieve them.

    Your first step of getting a formal university level education is to be applauded. It takes time, money, and dedication. Your debt is high but certainly not insurmountable given your future earning power.

    We were in a similar position 25 years ago, but overcame debt and grew our net worth through financial education, persistence, effort, and support. DOn’t forget to set an overall strategy and achievable goals! Good luck!

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