01
Net worth is up 21% over the last 12 months, driven mostly by retirement contributions and market gains.
02
Savings rate is averaging ~29% of income — well above the 20% target.
03
Portfolio is well diversified; largest single position (VTI) is 31% and broad-market.
04
Two credit cards carry a combined $11,200 balance — paying these down would lift net worth and cut interest.
05
Crypto is 4% of holdings and the most volatile sleeve (-6.5% in 30 days).