My Net Worth at 31 Years Old ✨ how much I personally invested vs made in the market

本站添加: 2026-05-30

[00:00:00]Hello everyone. Welcome or welcome back to my channel. My name is Gabby if you're not already familiar with me and I love to talk all things personal finance and lifestyle.

[00:00:10]Today's video is going to be my net worth at 31 years old. I personally love to do net worth videos about every 6 months here on my channel and I have been doing net worth videos for 2 years now. I'm very excited to update you guys on my net worth as of May of 2026. I do need to start with a little background on myself so that you can understand how I got here. As I mentioned, I am 31 years old. I live in Vancouver, Canada with my boyfriend. We are currently renting. We do not own any property. I currently have a salaried nineto-five job and I also do side hustles aka YouTube content creation and I sell digital products on Etsy. So, that is my side hustle. And my income as of last year with both my salaried role and my side hustle was about $170,000 pre-tax. But when I started my career, which was about 7 1/2 years ago, my starting salary was about $55,000. And that's when I started my net worth journey. So I went to university and that was paid for kindly by my parents.

[00:01:06]So I did not have any debt leaving university other than some credit card debt, but that was probably about $5,000. So it took me a couple months of working to pay that off. And then after that, I really started my net worth journey. I started building my net worth with Simple, and I still use them today.

[00:01:22]They are my favorite favorite favorite banking and investing platform here in Canada. Highly recommend them and I will be showing a little bit of their website here today as I go through some of my accounts just because I love the visuals they have. They really do show great graphics for just how your net worth is growing. You can really see how things are compounding over time. Highly recommend Well Simple. I have a code in my description box all the time.

[00:01:44]Definitely check it out. I think you get $25 when you sign up with that code as long as you fund your account with at least $1. So yeah, I basically have continuously increased my salary, obviously from $55,000 all the way up to $170,000. And that was through just progressing in my career, but predominantly most of that income raise came from starting my side hustle and my small business. And that was about 2 and 1/2 years ago, I started that. So over the last 2 and 1/2 years, I have been able to put a lot more money into investments because I was substantially making more than my lifestyle costed me.

[00:02:14]But before my side hustle with my small business, I did also used to do like grocery delivery and things like that. I I had little side hustles on the side here and there, but this was the one that really increased my overall income.

[00:02:26]So, I took a look at my starting net worth from my video 2 years ago. And my net worth at that time was $148,79 and that was in May of 2024. So, I'm a Canadian if I haven't already mentioned that. I live in Vancouver obviously. So, I will be talking a little bit more about my investing accounts, and those are all Canadian investing accounts. I won't go too deep into exactly what these accounts are for, but I'll give like a little synopsis as I start each account. So, your net worth is built up from your assets minus your liabilities.

[00:02:56]So, assets are anything that are pro- cash flow. Basically, this can be cash, savings, investments, if you own a home, if you own a car, all these things are assets. People don't like when I include my car in my net worth, so I don't anymore. but just because of continuity.

[00:03:12]But I do have a vehicle and I think it would sell for about I don't know, let's say $10,000, something like that. That's just a little extra thing that you could technically add on. And then your liabilities will be any debts you have, credit card, any sort of debt, student loans, etc. Okay, so I'm going to start with my savings and syncing funds. So I currently have $33,141 in my savings and syncing funds. This is a little bit lower than usual, and that is because I just paid my business taxes. I did used to include my business taxes in my net worth. I'm not really entirely sure why. I think it's because I never actually previously owed any taxes. I always invest enough into tax deferred accounts. So, I always got money back on taxes and then anything I saved from taxes for my small business, I would just end up investing that. But this was the first year I actually owed on taxes. So, I won't be including my business taxes in my net worth moving forward. This $33,000 is just made up of my emergency fund and then all of my syncing funds. I have I have so many. If you watch my monthly budgets, you will know I have like 10 different buckets I put money into to save for different things. I personally like having a good amount of cash just for rainy days, being able to buy something on the spot if I want to. My car were to break down tomorrow, I have enough funds to buy a new car, that kind of thing. Let's look at my checking account. I currently have $2,528 in my checking account. I don't love to keep a ton of money in my checking account. I usually like to put it into savings so that I don't accidentally spend it. Recently, I have had really high credit card bills and have kind of been keeping my checking account a little bit lower than I typically like it. Next, we'll dive into all of my investing accounts. So, I will start with the TFSA. This is the tax-free savings account in Canada. This is not an actual savings account. It's an investing account. And this account obviously is taxfree on all of your gains. And this is my number one account I invest in every single year. The first thing I do is max out this account before I move on to any other investing accounts. So, in previous videos, I have mentioned that I do have an inheritance from when my grandma passed away really young, and that has been invested in the market since I was like 12 or something.

[00:05:15]So, you can imagine that's grown quite a bit. And I usually don't share the numbers for my inheritance. But I will share the total amount I have in my TFSA as of right now. And I will also share what portion of that is my personal contributions. I will be using only my personal contributions to calculate the net worth for this video because I want to be able to compare it to the last several videos I've done because I've never included my inheritance in my net worth, but I did want to share that my TFSA is actually maxed out. I usually get comments of people saying there's no way your TFSA is maxed out for your age because they see the lower amount that is my personal contributions, but I promise it's maxed out. It's actually doing extremely well. I will share both numbers. So, my personal contributions into my TFSA is at $81,099.

[00:05:59]And my total TFSA, both my personal contributions and from my inheritance is at $235,415.

[00:06:07]Okay. Next is the RRSP. This is Canada's retirement account. The benefit of this account is that it is a tax deferred account, so it lowers your taxable income for the year, and you would usually pay less tax from investing in this account. That doesn't mean you never pay that tax. you just pay that tax later when you retire. I do use this account, but it's definitely not my priority. I will invest primarily in the TFSA and FHSA, and then when those are maxed out, I will move on to this account. So, that's kind of my process of what I invest in as the year starts and I have contribution room again. So, the RRSP for me is currently sitting at $173,54.

[00:06:43]Next up is the FHSA. This is the first home savings account here in Canada.

[00:06:48]This is a newerish account. I think it's been open for 3 or 4 years now. This account has a max contribution room of $8,000 every single year, but it is both the benefits of the two previous accounts. So, it's no tax on your gains, also a tax deferred account where it lowers your taxable income. My FHSA is currently sitting at $47,473.

[00:07:08]I am so excited about this account. It's finally starting to get some growth in it. I usually find obviously when accounts are smaller, the number is smaller, then you don't really see the compound growth going, but I really can feel this account starting to grow considerably in this past year or so. I think the max contributions I can contribute up to today is $32,000 if I'm not mistaken. So, I have had about $15,000 of growth in this account, which is incredible. Next, I have my non-registered account. I actually invested some of my business taxes from last year into a very safe ETF in this account. I think it was about $10,000.

[00:07:43]So, the amount sitting in my non-redge account is $12,886.

[00:07:47]I also have a non-registered managed account with Wells Simple. This is their robo advisor account where a robot does your investing for you. You just tell it like some of your goals for this account. So, that account is currently at $4,059.

[00:08:00]And I have thought about just taking the money out of this account and like putting it into my self-driven accounts cuz I'm like a self-driven investor now.

[00:08:07]Aka I pick my own stocks and ETFs. But I like to kind of keep it just to see how my managed accounts would do comparatively to how my self-driven accounts are doing. I kind of just like to have the data of like how well this account's doing versus my other accounts. I don't know. It's also a pretty small number, so I'm not too fussed about it. My crypto account, which I have not put any money into in years, is currently at $3,811.

[00:08:29]This account was like doing really well and then it kind of like flatlined and then now it's down a little bit. Yeah, I just don't really invest in this account, but I I've just held on to what I currently have. It's mainly Bitcoin and ETH. Actually, I think it's entirely Bitcoin and ETH. Finally, we have my liabilities. So, this is the part we would deduct this number from the numbers I previously just mentioned. My liabilities are currently at $2,187.

[00:08:52]Okay, so now that we've covered all of those numbers, I will be showing my net worth tracker. This is in the budget tracker that I sell. This is the 2026 version of my budget tracker. There are four different colors. I'm currently using the blue version. Uh I think there's purple, pink, and green as well.

[00:09:06]I don't think I know. I don't I made it.

[00:09:10]I will leave the link for this tracker in the description box down below. It has monthly budgets. It has annual trackers. It tracks all your savings, investments, debts. Keep tabs on how your overall numbers are looking for the entire year. And then this is the network tracker that I'm going to be showing you. And this is a great place just to have all of your numbers together in one place, especially if you have a bunch of money with different banks and things like that. As you can see, all of the numbers that I just went through. My total net worth right now is $356,4166.

[00:09:40]That is pretty good. Let's see what my previous one was. Okay, I just had to find my old video cuz I wanted to compare my net worth to my last video.

[00:09:51]This was filmed in November of 2025, 6 7 months ago or so. And my net worth at that time was $299,334.

[00:09:59]So just shy of $300,000. And I'm currently at $356,000.

[00:10:05]So that's about a $60,000 increase. A little bit less than 60,000. Very pleased with that in six to seven months. You can see all of your assets here. All of your liabilities here, your total net worth. Then you have your net worth by month. So you can just keep tabs on how your net worth was growing.

[00:10:21]I was really good at updating this at the beginning of the year and then I kind of fell off. So I think March and April are just estimated based off of the estimated annual rate of return that is entered here. This tracker sort of guesses your net worth at the end of the year based on your general average rate of return. So like for example, right now based on my May numbers I just entered, it's assuming I will have about $374,000 at the end of the year and that is if I no longer invest anymore. This is just compound growth. And you can either use the estimated rate of return numbers or you can use your actual numbers from your investing accounts. This is the investment value calculator over here.

[00:10:54]and you have the ability to go through and add the actual tickers and the quantities of each that you have and then it will help you total exactly how much is in your account. So, this is what I did this morning and we can kind of go through a little bit of like what I have my money invested in in my accounts. So, I have Apple, Aritzia, Bitcoin. This is the Fidelity Bitcoin ETF. So, I don't actually have to buy Bitcoin in a crypto account. I can buy it in a tax advantaged account. Then I have FCCM. This is a new product I'm buying. This is a Fidelity ETF and it tracks I think it's like a growth Canadian market ETF if I'm not mistaken.

[00:11:29]Then we have FCIV. This is another Fidelity ETF. I buy a lot of Fidelity ETFs because my financial adviser is a family member who works at Fidelity. So obviously they're a little bit skewed on that, but they have showed me the comparison of a lot of highquality Fidelity ETFs compared to like general ETFs people are buying like the XSP or I think a lot of people talk about XEQT. I think someone asked me recently why I no longer own XEQT. And that is just because if I were to buy an EQT ETF, I would probably buy the FEQT, which is the Fidelity version. But my financial adviser advised me that there are better ETFs to invest in. And that is why I like to personally sort of build my overall portfolio based off of buying a few different ETFs rather than just buying one. If you like simplicity, I would highly recommend going for the FQT one. It performs better than the XQT one, but I like to just listen to my financial adviser. I then have FC UV. So I think FCIV is a Canadian version of the FCUV, which is a more of a international one. I could have that mixed up. FCIV sounds like it' probably be an international one if I'm not mistaken. Don't take my word for it.

[00:12:32]Definitely do some research. Then I have the Fidelity ETH ETF. Then I have Finn.

[00:12:35]Finn is like one of my favorites. It's done exceptionally well. This is like a growth ETF. That's I think it's Mark Schmemell is his name. Is that That's not what I was looking for. Mark Schmemell. I was right. That's just not how you spell it. Yes, he is somebody that does really well with Fidelity. I don't even know why I'm talking about this guy any I don't really know much about it to be completely honest. All I know is that he is down in Silicon Valley. He has boots on the ground and he is learning a lot about all of these up and cominging companies and that is why Finn has done so well. So, I love Finn. I own the most of Finn in my retirement account and it has performed exceptionally well for me this last couple of years. And then I own uh FTS which I believe is uh oh god Fortis. I own Home Depot and TD. These are all kind of random. I thought about getting rid of the stocks. Honestly, I bought these quite a while ago. I don't buy stocks anymore, but uh yeah, that's just what's in my account right now. In my TFSA, I have Bitcoin. I have the FCCM again, FCIV, FCUV, Finn, Nvidia, and XSP. I don't know why I have such a small amount on Nvidia. I think this was just like a dividend reby. I own Nvidia, but that's part of the inheritance part of my TFSA. This is really confusing.

[00:13:44]Then the FHSA I have the exact same tickers I typically buy. Crypto I have a little bit of USDC but otherwise it's Bitcoin and ETH. And then in my non-reg I have Finn and then FCLC. That is the super stable ETF I was talking about. It has always returned some amount of growth. Obviously a small small amount.

[00:14:01]This is not like a growth ETF. This is a very stable ETF. This was what I was putting my savings into because I just wanted to make a little bit of money.

[00:14:12]But if I needed this, I for my business taxes, I wanted to have it pretty much available to take out at any moment.

[00:14:18]That is what I have in my investment accounts. And let's go over to my annual tracker so I can contextualize how I have raised my investments from just shy of $300,000 all the way to $356,000 in just 6 to 7 months. So let's look at exactly how much money I have actually invested this year. So, this year alone, starting in January, I have invested $20,910,000 in 2026, which is about 50% of my annual goal. And I have been very dead set on investing as much as humanly possible at the beginning of this year because I anticipate I'm going to invest less at the end of this year because I have some plans coming up, which will include spending more money typically from savings, but may include not investing as much anymore. So, that's why I really wanted to frontload my investments at the beginning of this year. So, a good chunk of my growth from November till now is just putting a lot of money into investments. I think also like in November and December, I would say I probably invested, let's just say like $5,000 somewhere in that realm. So, 25, let's call it $25,000 of that about $56,000 of growth is coming from actual invested money, like my cold hard cash that I've worked really hard at. But the other, you know, $30,000 or so are just compound growth. And obviously the market, if I done this video like two months ago, this would not be as much as it currently is. I saw my net worth tank quite a lot actually. And now it is back up. Yes, partially compound growth, partially market growth, partially my own invested money. And then I'll scroll down to the annual investment breakdown just so you can kind of see where I'm investing my money. As I mentioned, I prioritize my TFSA and I actually maxed that out in January. Next, I moved on to my FHSA. I was still investing a little bit into my RRSP up until March. And then I maxed out my FHSA in April. So then I went back to investing in my RRSP. And now I will for the remainder of the year be investing in my RRSP until I max that out. I think I can contribute like $24,000, something like that, and then I will move on to a non-registered account if that happens.

[00:16:25]Okay, so that is my net worth at 31 years old. As I mentioned, technically I have more money, but I like to personally track how much I have personally invested, not the inheritance because for one, I can easily compare between the last video and now. And that's I think with your net worth, it's not so much like comparing what you have compared to everyone else or what is expected of you. Like really, you can only do as good as you possibly can with the circumstances you have. Obviously, I had great circumstances. I started with zero debt. So obviously me building my net worth from zero to $356,000 is a lot different than someone starting with $100,000 of student debt that is continuously growing in interest. It's a very different scenario than what I have. I highly recommend tracking your net worth and tracking it and comparing it to yourself. Compare yourself to yourself 6 months ago. Do not compare yourself to somebody else of the same age or demographic. I know that these videos are primarily clicked on because you might be wondering how much money you should have at 31 or you're currently 31 and you want to know how much money other people have to make yourself feel better or feel worse. I don't really know. But I think the best thing you can do is compare your net worth to yourself and figure out what's working. When you have a great period of being able to contribute more to your net worth, what was working, figuring out what lifestyle changes you can make so that you can grow your net worth at a healthy rate for your lifestyle.

[00:17:43]Definitely don't compare yourself to me.

[00:17:45]compare yourself to yourself. And I think that that's why I like to do these videos only using my personal investments. It's not so much to like hoodwink you guys and make you think I have a different net worth than what I do. I'm proud of myself and my efforts that I've put into investing on my own.

[00:18:00]So, I like to look back at what I have been able to do over the last couple of years. I love making these videos. I will continue to make these videos. If you're interested in exactly how I've been able to continuously invest, continuously grow my income, I have some excellent videos up in the cards right now for you to click on. I also do monthly budget breakdowns. So, I walk through every single dollar I spend, save, invest, all of that every single month. So, if you're interested in that, definitely subscribe to this channel.

[00:18:26]And I will also include my previous net worth videos in the description box down below, so you can check them out if you're curious. But thank you guys so much for joining me today. I really hope you enjoyed this one and I can't wait to see you guys in the next one. Bye.