September 2025 Financial Asset Roundup

Here are my current financial assets as of the market close on September 10th, 2025:

Asset	Aug 2025	Sep 2025	Change
Checking	2,894	5,093	2,199
Money Market	67,320	66,647	-673
Savings Bonds	260,289	260,871	582
Treasurys	136,000	136,000	0
CDs	62,248	62,617	369
Brokerage	720,824	872,399	151,575
401k	534,222	553,594	19,372
Roth IRA	365,651	376,345	10,694
IRA	1,642,417	1,672,864	30,447
529 Savings	175,532	177,975	2,443
Total Assets	$3,967,397	$4,184,405	$217,008
			+5.47%

Today is the 24th anniversary of the 9/11 attacks on our country. I still have a hard time wrapping my head around the whole thing after all these years.

The S&P 500 has been on the upswing, rising 2.49% (+11.06% YTD) and hitting all-time highs since the last update:

(chart courtesy of cnbc.com)

On the jobs front, the unemployment rate for August rose to 4.3%, with a disappointing 22,000 new jobs created. Oil prices are down a bit to the $62 level with that price reflected in a local unleaded regular gasoline price of $2.99 at my last fill-up. Market sentiment seems to point toward FOMC rate cuts with data supporting a softening job market, further complicated by the POTUS trying to remove a Fed Governor for "mortgage fraud".

On the financial front, my assets have once again hit another all-time high, surpassing the $4M milestone and the previous high from August 2025! A main driver of that was a huge gain in Oracle Corporation (ORCL) stock, who announced big cloud infrastructure-related revenues on the way on their quarterly earnings call. I again skipped my usual Fidelity 401k transaction (FSKAX) and Vanguard VTI purchase in my taxable brokerage account because I am not comfortable adding to our equity holdings at this time. I did take an S Corp distribution and my T-Bill holdings automatically rolled into new ones: 13 week 4.356% -> 4.144%, 4 week 4.303% -> 4.354%, and 8 week 4.379% -> 4.230%. I also hedged against falling interest rates with Navy Federal EasyStart CDs that can be opened with a low minimum purchase ($50) while allowing you to add additional money at any time (3.95% APY 12 months, 3.75% APY 18 months, 3.55% APY 24 months) plus I have an Alliant 5.40% APY 17 month CD maturing shortly and will move the proceeds into an Alliant 4.10% APY 17 month "elevated rate" CD offer that I received via email

As for the non-financial, the school year has started, the temps are cooling off, and I'm excited to start my Fall lawncare feeding program. I enjoy the Fall weather quite a bit, but that also means that winter isn't far behind!