Hello folks, welcome back to Late Twenties and Broke. I’m your host Jonny F, and here is my net worth update for December 2025, just before New Years. Sorry I’m publishing it a bit late, but I think most of y’all won’t even notice haha.
Without much chit chat, we can jump straight into the numbers!
| Item | Previous (Nov 2025) | Current (Dec 2025) | Comments |
| PLTR | (100 shares) $3,500. | (100 shares) $3,500. | Still stuck in a $35 call until January 16th, 2026. What will I do with the $3,500 after though?? |
| SCHD | $5,710 (210.95 shares) | $6,081 (213 shares) | Got A DRIP of 2 shares ($58) in December. That being said, I have turned DRIP off to stack cash for my upcoming wedding!! |
| SPYI | – | $3,724 (70 shares) | This is where I parked some of my BTC original investment. The goal is to produce cashflow for the LTAB Wedding FundTM. |
| MO | $2,043 (35.11 shares) | $2,019 (35.12 shares) | Price stayed basically identical. Next dividend from this one is going into the LTAB Wedding FundTM |
| PEP | $2,241 (15.27 shares) | $2,139 (15.27 shares) | Small $100 dip. |
| KO | $2,461 (33.77 shares) | $2,395 (34.02 shares) | Got one last DRIP of $17 before I turned it off. Maybe I should shuffle $600 into these 2 so I can have a flat $5,000 in soda stocks? Hahaha. |
| QQQI | $2,186 (40 shares) | This is another place I parked some of my BTC original investment. The goal is to produce cashflow for the LTAB Wedding FundTM. | |
| TM | $1,616 (8.17 shares) | $1,834 (8.27 shares) | Got one last DRIP of $19. Stock swung up $200 for the moment. |
| MSFT | $993 (2.09 shares) | $1,006 (2.10 shares) | I picked this up as a way to invest indirectly in ChatGPT. Got a $1.91 DRIP in December. |
| DOW | $1,035 (46.43 shares) | $1,241 (47.19 shares) | I was underwater -$1,077, now I’m only underwater -$877. At least the comma is gone hahaha. |
| CVX (Chevron) | $962 (6.41 shares) | $1,086 (6.69 shares) | Been doing the tiniest investment into Chevron at $1/day. Did get a $10 DRIP on Dec 11th as well. |
| VTI | $1396 (4.3 shares) | $2,138 (6.37 shares) | The weekly buy continues! $100 every Thursday is paying off, haha. Up 2 full shares since the last update. (At $342/share) |
| ENB | $682 (14.16 shares) | $654 (14.33 shares) | Got a little $8 dividend at the start of the month. |
| JEPI | $670 (11.84 shares) | $689 (11.84 shares) | Dividend pending but didn’t recieve it yet. |
| VZ | $691 (16.76 shares) | $680 (16.76 shares) | No change. |
| PG (Proctor and Gamble) | $612 (4.056 shares) | $574 (4.056 shares) | I added this position to grow my annual dividend income. It’s paid quarterly, so the next dividend will be in Feb I think. |
| JEPQ | $487 (8.63 shares) | $515 (8.71 shares) | Little $4 DRIP in early December. |
| UL (Unilever) | $397 (6.58 shares) | $394 (6.15 shares) | Whoa I’m not crazy, there was a Unilever Reverse Split on December 9th. It was an 8:9 reverse split. The purpose of the split was to spinoff Magnum ice cream as it’s own company, which after reading these reviews on Reddit, I am very okay with that. |
| MICC (Magnum Ice Cream Company) | $20.73 (1.37 shares) | Oh no, I wondered what the heck this acronym was in my Robinhood app. I actually had to stop this net worth update to put in a sell order. There’s no way I want this in my portfolio after reading those reviews on reddit. | |
| Moneymarket Cash | $1587 | Leftover cash from the BTC sale. Still looking to park it somewhere. | |
| Bitcoin | $25,145 (0.299 BTC) BTC is at $85K as I type this. It will drop to 50% of the peak and not recover until 2029. | $19,998 (0.21 BTC) | I ended up executing my plan, of pulling out my original investment of $7,000 and leaving all my gains inside BTC as house money. The $7,000 has been distributed in Robinhood mostly into income-producers like QQQI and SPYI to help me stack cash for the LTAB Wedding FundTM |
| Silver Coins&Bars | $2,000 (Haven’t purchased any precious metals for myself in years) | I bought some silver as Christmas gifts for family, but no purhase for me. Considering the price of both silver and gold doubled since I originally bought mine, I should probably double it on this tracker one of these days, no? Hahaha. | |
| Employer 401K | $55,001 | $59, 801 | How this grew $4,000 in a month, I really don’t know hahaha. It wasn’t me! I only contributed like $400 haha. |
| Savings trapped in Canada | (CAD 2,235) = $1584 USD | (CAD 2,235) = $1584 USD | No change. |
| RRSP trapped in Canada | (CAD $10,751) = $7621 USD | (CAD $11,816) =$8487 USD | Up about $1,000 all of a sudden. |
| Chequing | $425 | $305 | |
| Savings | $2,154 | $1,721 | This is where I pay my rent from, so it swings depending on the time of the month it is. |
| Savings Certificate #1 | $2,699 | $2,713 | Basically the same number. |
| Savings Certificate #2 | $3,101 | $4,579 | This is the LTAB Wedding FundTM. This is my project for all of 2026 to really grow this sucker! |
| Total Assets | $125, 225 | $135,650 | WOW! My total assets are in the 130s now?? That’s awesome. |
| Credit Card #1 | –$933 | $0. | |
| Credit Card #2 | -$346 | $0. | |
| Credit Card #3 | -$1589 | $0. | |
| Credit Card #4 | -$2,064 | -$5,348 | I can’t wait to pay this thing off. |
| Total Debt | –$4,932 | -$5,348 | Went up $400. I see it. For now. |
| Net worth | $120,293 | $130,302 | No way!!!! I made it to the $130s now??? |
My first time hitting $130K!!!
Let’s go!!
Wow, what a reversal! In November 2025, my net worth moved backwards. It was a real trip. Basically, it went like this…
August 2025: $126,000 net worth
November 2025: $120,000 net worth
December 2025: $130,302 net worth
I didn’t do anything out of the ordinary to cause that dip. I didn’t crash my car or get a DUI, I didn’t blow money in Vegas, it was literally just the price of Bitcoin swinging down.
Seeing my net worth roll backwards was confusing, but everyone feels “off” financially every once in a while. It’s easy to get depressed or feel behind financially.
My Bitcoin dropped $10,000. Ouch. Between August and November, my 401K grew from $51,000 to $55,000. And my VTI position went from zero to $1,300. So I was investing money every month, same as always. But that growth was overshadowed by all the heat leaving Bitcoin. My position dropped $10,000, and that’s a big chunk.
But I did the right thing. I sold a small chunk of my BTC to get my original investment back, and now I’m parking it in various funds such as QQQI and SPYI. Leaving a huge chunk of BTC still in my holdings, but this time with zero stress because it was all “house money” as Robert Kiyosaki called it in Rich Dad Poor Dad.
In the month of December, like always, I continued to contribute to my $100/week to VTI and my $400/month to my 401K. So that’s where part of the growth came from this month.
So we’ll keep on keeping on with the steady progress. When do y’all think I can hit $150,00? Leave a comment here or on youtube and let me know!
That’s all I have to say for now gang,
I get money and mind my business,
-Jonny F