💰 My Financial Snapshot This Month
This November, my net worth took a dip — mostly thanks to a $10,000 Bitcoin drop.
But that’s part of the journey when you’re learning and building wealth in your 20s (and 30s *cough cough*)
Here’s the honest breakdown:
- 📉 My Bitcoin dropped from around $34,000 to $25,000, hitting my total net worth hard.
- 💵 My stock portfolio includes Microsoft, Enbridge, and Verizon, with several dividend positions.
- 💰 I continue to invest $100 per week into VTI and contribute to my 401(k).
- 💳 I’m tackling credit card balances, cutting high-interest debt to boost cash flow.
🧠 Why “Late Twenties and Broke” Exists
I started Late Twenties and Broke because I wanted to show the real-life side of money management — the wins, the setbacks, and the in-betweens.
Too often, financial creators show only the highlight reel.
This channel is about:
- Accountability — sharing real numbers
- Transparency — showing what’s working (and what’s not)
- Relatability — proving that financial growth isn’t linear
If you’re also trying to figure out finances in your 20s or 30s, this is your space.
📊 What I’m Investing In
I’ve been focusing on a mix of dividend and growth investing.
Here’s what’s inside my portfolio this month:
- 🏦 Dividend stocks like Altria, Pepsi, Coke, and Toyota
- 📈 Growth holdings such as Microsoft, Enbridge, and Verizon
- 💼 Consistent weekly $100 investments into VTI for long-term growth
- 💰 Bitcoin — I sold just enough to pull out my original investment and let the rest ride
My approach:
Buy companies I believe in and use daily, then hold long-term.
💳 Credit Card Debt & Financial Transparency
Yes — I still have credit card debt, mostly from planned expenses like flights booked in advance.
It costs me roughly $100 per month in interest, so my top goal for December is paying it off completely and redirecting those funds to investments.
🚀 Goals for December and 2026
Here’s my roadmap:
- ✅ Pay down all high-interest cards
- 💸 Maintain consistent VTI contributions
- 📊 Research and buy SPYI, a tax-efficient dividend ETF
- 💬 Keep documenting every update on Late Twenties and Broke
💬 Final Thoughts
Sharing my finances online isn’t about bragging — it’s about being open and real.
If one person sees this and realizes it’s okay to start imperfectly, that’s a win.
You don’t need to be perfect to make progress — you just need to start.
🎥 Watch the full video here:
👉 How My Net Worth Changed in November 2025 | My Bitcoin Dropped $10,000!
💬 Subscribe to Late Twenties and Broke for monthly net worth updates, investing insights, and honest conversations about money.
If you need any motivation, please check out Keep Going and Slow Stack Society on Youtube.
And if you need some cheap protein bars at $1.50 each, check these out on Amazon.
Keep your stick on the ice, I’m rooting for ya,
-Jonny F