Romney Family Finances

Total Assets

—

Live prices

Liquid / Brokerage

—

Cash + brokerage

Retirement & 529s

—

401k · IRAs · 529s

Alternatives

—

SPV · BTC · IBKR

Real Estate

—

DCP funds

Avg Monthly Net Income

—

2026 avg (Jan–Feb)

Avg Monthly Spend

—

2026 avg (Jan–Feb)

Avg Net Savings

—

2026 avg (Jan–Feb)

Net Worth Trend — 2026

Cash Flow — 2026 YTD (Jan + Feb)

Income

—

Expenses

—

Saved

—

Net Worth Breakdown Loading...

Brokerage & Cash Retirement & Education Alternatives Real Estate Other

Brokerage & Cash — —

JPM Brokerage

—

7 positions · live

Interactive Brokers (HY9H)

—

50 sh SK Hynix · Frankfurt

JPM Checking

$18,226

New primary hub · Feb 27 balance

BofA Checking (1977)

$4,147

Transitioning to JPM · Feb 25 balance

JPM – Sweat and Tell

$7,000

S-corp operating

Retirement & Education — —

Fidelity MLS 401k (FXAIX)

—

Live NAV · S&P index

Schwab IRA – Dave

—

500 sh IREN + $11,825 cash

Schwab IRA – Jacquelyn

—

500 sh IREN + $9,214 cash

529 – June Romney

—

419.204 sh NAAHR · proxy

529 – Parker Romney

—

419.204 sh NAAHR · proxy

529 – Grace Romney

—

181.6 sh NAAHR · proxy

Alternative Investments — —

Anthropic SPV

$256,308

990 sh · Series G @ $350B pre · 0.86x on total cost

Coinbase (0.575 BTC)

—

Live BTC price

Anthropic SPV — Exit Scenario Analysis 990 shares · 20% carry on profit · $297,500 total cost

Shares

990

Pre-carry

Total Cost

$297,500

Incl. ~$41K fees

Current Value

$256,308

0.86x · @$350B pre

Break-Even

~$406B

Anthropic valuation

IPO Val. Share Price Gross Value 20% Carry Net Shares Net Value Multiple Profit

$350B ★ now $258.90 $256,308 $0 990 $256,308 0.86x −$41,192

$406B $300.51 $297,500 $0 990 $297,500 1.00x $0

$500B $369.85 $366,154 $13,731 953 $352,423 1.18x +$54,923

$600B $443.82 $439,385 $28,377 926 $411,008 1.38x +$113,508

$750B $554.78 $549,231 $50,346 899 $498,885 1.68x +$201,385

$1T $739.71 $732,309 $86,962 872 $645,347 2.17x +$347,847

$1.5T $1,109.56 $1,098,463 $160,193 846 $938,270 3.15x +$640,770

$2T $1,479.41 $1,464,617 $233,423 832 $1,231,194 4.14x +$933,694

Net Value by IPO Scenario

Net value after 20% carry on profits above $297,500 total cost · Break-even at ~$406B · Current Anthropic valuation: $350B pre-money (Series G)

Real Estate — $265,000

DCP Real Estate Wealth Fund

$210,000

Real estate fund

DCP Bodega LLC

$55,000

Real estate investment

Other Assets — $145,000

Jono Loan (receivable)

$116,000

Expected April 2026

Richland Security Deposit

$9,000

Audi E-Tron

$20,000

Vehicle

JPM Brokerage · 6 positions

—

Total Gain / Loss

—

Holdings detail

Ticker	Name	Price	Day %	Day $	Mkt Value	Total G/L $	Total G/L %	Qty	Cost/sh

Interactive Brokers · HY9H Loading...

Ticker	Name	Qty	Price (USD)	Price (EUR)	Mkt Value	Day %	Day $	Total G/L $	Cost/sh (€)

Frankfurt exchange · EUR→USD converted at live rate · Closes ~11:30am ET

Allocation by value Loading...

401k (FXAIX)

—

Live NAV

IRA – Dave

—

500 sh IREN + cash

IRA – Jacquelyn

—

500 sh IREN + cash

529s Total

—

3 accounts

Fidelity MLS 401k · FXAIX Loading...

FundFidelity 500 Index (FXAIX)

Approx. shares—

Current NAV—

Account Value—

Cost Basis$244,838.66

Gain / Loss—

Schwab IRAs · IREN Loading...

Both accounts: 500 shares IREN + cash. IREN price: —

AccountEquity val.CashTotal

Dave IRA — $11,825 —

Jacquelyn IRA — $9,214 —

Merrill 529s · NAAHR Loading...

NAAHR (BlackRock Equity Index Direct) is a CIT — proxied using FXAIX NAV movement from $60.35 base on 3/22/2026.

BeneficiarySharesPriceValue

June Romney419.204 — —

Parker Romney419.204 — —

Grace Romney181.595 — —

Total 529s —

Net Worth Today

—

Live prices

YTD Change

—

vs Jan 1, 2026

Avg Net Savings

—

Jan–Feb avg

Savings Rate

—

Jan–Feb avg

2026 Annual Projections Jan–Feb run rate · updates with live NW

Proj. Net Income

—

avg/mo × 12

Proj. Annual Spend

—

avg/mo × 12

Proj. Net Savings

—

savings rate

Proj. Year-End NW

—

Live NW + remaining savings

Solid = Jan–Feb actuals · Faded = Mar–Dec projected at run rate · Excludes investment returns, employer 401k match (~$40K/yr), and $116K Jono loan repayment (expected April)

Net Worth — 2026 Bi-Monthly Live = current prices

Net Worth

Bi-monthly actuals from your records · Last point reflects live prices

Net Worth — 2025 Bi-Monthly Full year actuals

Net Worth 2025

$2.082M → $2.848M · +$766K · +36.79% in 2025

Net Worth — Long Term (Annual) 2020–2025 year-end actuals

Net Worth Annual Gain

Year-end actuals from your records · $312K → $2.82M in 5 years

Savings Rate %

Income vs Spending vs Net Savings

Income Spending Net Savings

Mar 2026 will populate in early April after statement upload

Avg Monthly Spend

—

2026 avg (Jan–Feb)

Most Recent Month

—

February 2026

Fixed Baseline

~$16,950

Monthly (Mar+)

Fixed costs

Rent — Samuel Chiu$9,050

Montessori$3,420

Nanny Share — Grace$1,200

Utilities$1,000

House Cleaning$200

Credit card spending — Avg 2026 vs Feb

Avg 2026 February

Recurring autopay (Coinbase Amex)

USAA P&C Insurance$465/mo

USAA Life + Ring + Umbrella~$113/mo

PG&E~$500–600/mo

San Jose Water~$200–400/mo

AT&T Fiber$76/mo

Bobbie Formula~$166/mo

Coterie Diapers~$312/mo

Streaming (Netflix, Disney+, Apple, Amazon)autopay

Avg Monthly Income

$46,986

2026 avg (Jan–Feb)

Most Recent Month

$47,250

February 2026

Dave's Income (Feb)

$40,376

MLS net direct deposit

Jacquelyn's Income

$6,821

W-2 + S&T LLC/mo

Income breakdown — Jan vs Feb

Dave's Income Jacquelyn's Income Other Income

Income streams detail

Stream	January	February
MLS Salary (net)	$39,426	$40,376
Jacquelyn W-2	$1,821	$1,821
S&T LLC Zelle	$5,000	$5,000
CC Rewards (cash back)	$274	$50
ATM / Cash Deposits	$200	—
Misc / Other	—	$3
Total	$46,721	$47,250

All Transactions

Date	Description	Account	Category	Amount

YTD Gross

$183,932

5 pay periods in 2026

YTD Net Pay

$101,830

Deposited to checking

Effective Fed Tax Rate

33.7%

Fed income + SS + Medicare ÷ gross

Effective CA Tax Rate

10.5%

CA income + SDI ÷ gross

Year-to-Date Summary Through Mar 15, 2026 · 5 pay periods

YTD Total% of Gross

Gross Earnings $183,932.30 100.0%

Federal Income Tax −$47,843.85 26.0%

Social Security Tax −$11,403.80 6.2%

Medicare Tax −$2,667.02 1.5%

CA State Income Tax −$16,921.65 9.2%

CA SDI Tax −$2,391.12 1.3%

Total Taxes −$81,227.44 44.2%

Union Dues −$875.00 0.5%

Where Your Money Went

Deposited to Checking $101,830 55.4%

Contributed to 401(k) $9,197 5.0%

You: $1,839 · Employer: $7,817

Total Earnings (Net + 401k) $111,027 60.4%

Current Pay Period Mar 1–15, 2026

Pay Date: March 13, 2026 · Basis: Salary · MLS, LLC · Married Filing Jointly

EarningsThis Period

Regular Salary$36,786.46

Gross Pay$36,786.46

Taxes & DeductionsThis Period

Federal Income Tax−$9,704.88

Social Security Tax−$2,280.76

Medicare Tax−$533.41

CA State Income Tax−$3,426.01

CA SDI Tax−$478.22

Union Dues−$175.00

Total Deductions−$16,598.28

Net Pay (Direct Deposit)$20,188.18

401(k) ContributionsThis Period

Your Contribution$1,839.32

Employer Profit Sharing$1,563.42

Total to 401(k)$3,402.74

Where Your Gross Pay Goes — YTD

Source: ADP Earnings Statement · Last updated from Mar 13, 2026 paystub · Drop a new PDF to update