The snapshot - June 2026
- Jun 16
- 2 min read
Monthly money journal. Solo figures, rounded on purpose. The honesty is in the proportions and the feelings, not the decimal places.
Where it sits
~$1.48m, spread like this:
Property equity — 48% (~$706k). The biggest slice, and the one I can't actually spend. Real wealth, mostly asleep.
Super — 22% (~$315k). Locked away for decades. Quietly compounding where I can't touch it, which is probably for the best.
Cash & offset — 18% (~$267k). The buffer. More that most people would hold, and I've made peace with the "inefficiency" because it's what lets me sleep at night.
Shares & funds — 12% (~185k). The liquid, growing, wobbling bit.
What moved this month
Up a little — call it in the low thousands.And here's the part I keep finding strange enough to mention: almost none of it was me. I saved what I usually save, but the bulk of the increase came from the capital engine I build early in life — the assets earned more this month than i added. I'm starting to feel less like the vehicle and more like a passenger who occasionally tops up the tank.
The month in spending
Savings rate: around 70%, where it usually sits. Less impressive than it sounds — it mostly means I don't spend much, not that I earn a fortune. I've done 100% salary sacrifice for few weeks to make use of the unused carry forward concessional contribution.
Spending: a fairly ordinary month, nothing dramatic. See graph.
One-off: booked flights for a long slow trip and concert tickets for end of year, so there's a lump in there that won't repeat. I noticed I had to talk myself out of feeling guilty about spending, which is sort of the whole point of this blog.
How it felt
Mostly: unsure. I've stress tested in claude to death on my net worth/cash flow projections with different scenarios. It all guide me to this conclusion: I will have more than enough money to spend in my lifetime, even if I quit my job today. So, if money is no longer an issue, what will I do?
More on why watching it grow feels so unearned — and why "enough" is so much harder to feel than to calculate — over in Room to Think →.
— the frugal artist
