Focus keyphrase: net worth update July 2025
It’s official: this net worth update July 2025 is late. I blame the heat. July felt like writing on a stovetop, so I escaped to Italy for my usual end-of-month break — sun, food, family and zero spreadsheets. Now I’m back, slightly tanned, fully caffeinated, and ready to face the numbers. For context, here’s the June 2025 update.
Brick by brick, the asset side is growing. It’s still a compact village rather than a metropolis, but it’s mine — and it’s diversified enough to sleep at night.
The heavy lifter remains life insurance, a slow-and-steady core. Crowdfunding holds a meaningful second place — riskier, but tangible. Managed funds keep things boring (in a good way). I plan to expand the ETF slice over time — my favorite long-term engine. Crypto and single stocks stay intentionally small to control volatility, while the misc and roboinvest parts are rounding errors, included for transparency.
Now the reality check. Bad debts are still heavy, led by one very obvious champion. The chart makes the point better than I can.
The bank loan (CHF) is the monster that sets the scale for everything else. Leasing and credit cards fight for third place in my monthly attention, while the EUR loan adds currency friction to the mix. None of this is pretty, but all of it is moving in the right direction month after month.
This donut refers only to my real estate financing (apartment mortgage), not to the consumer debts above. So far I’ve paid CHF 36,162.86 — about 17.1% — while CHF 174,982.14 (or 82.9%) remains.
Paid (mortgage): 17.1%
Remaining (mortgage): 82.9%
It feels like a long hike: the summit still looks far, but the altimeter is ticking upward. Two rules guide me right now: consistency over intensity, and simplicity over cleverness.
July was defined by a heatwave and a slow rhythm. The Italian break helped me reset, remember what I’m doing this for, and come back more focused. Debts don’t care about excuses; they just sit there collecting interest. My job is to keep pushing, even when the timing isn’t perfect. This net worth update July 2025 is late, yes, but it’s also honest — and that’s how progress is tracked.
Late post, yes. But real numbers and a clear plan. See you in the next update — ideally not melting on the keyboard.