Samantha has the following transactions:

She purchases $14,687 of a mutual fund with cash from her savings account. The value of the fund has not changed since her purchase.

She spends $9,919 on a vacation with cash from her money market account.

She spends $10,000 on new furniture and uses her credit card to make the purchase.

What is the combined impact of these transactions on her net worth?

She values personal use assets using replacement value on the balance sheet.

Round you answer to the nearest dollar. A positive (negative) sign indicates a increase (decrease) in net worth