Author Topic: How much has your Net Worth increased since starting MMM?  (Read 3620 times)

tyort1

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How much has your Net Worth increased since starting MMM?
« on: September 21, 2017, 12:27:55 PM »
So, how much more are you worth today, vs when you first started doing MMM?  I'll go first.  I found MMM in 2015 at 43 years old, after a brutal layoff that took me 9 months to find a new job and blew threw all my liquid savings except for my 401k.  Sooo here's my #'s:

2015 Net Worth - $131,000

2017 Net Worth - $338,000


Holy cow, I can hardly believe it.  And it wasn't even that hard to do, mainly just a matter of getting my shit in order so I stopped wasting the truckloads of cash I'd been burning through every month for most of my life. 
Frugalite in training.

dandarc

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Re: How much has your Net Worth increased since starting MMM?
« Reply #1 on: September 21, 2017, 12:38:50 PM »
I apparently joined the forum in October of 2013.  According to my spreadsheet, our net worth was:

October 2013 - $200,000
September 2017 - $625,400

So a little more than tripled in that time.  Good market returns + some expense reductions + increased income has made the NW rise quite rapid.

Jenny1974

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Re: How much has your Net Worth increased since starting MMM?
« Reply #2 on: September 21, 2017, 12:51:43 PM »
$856,000 August 2013
$1,710,000 as of today

So approximately doubled (or increased $854,000)

Wow!

Roe

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Re: How much has your Net Worth increased since starting MMM?
« Reply #3 on: September 21, 2017, 01:12:21 PM »
Noting only the things that have changed here.

Start:
Car loan         6k
CC debt       2.5k

Investments 40k

Now
Car loan        0k
CC debt         0k

Investments   48k

Started about 3 months ago, 16.5k increase in nw in that time. Our savings rate have gone up each month, with what feels like close to none effort.

Amazing.

Lan Mandragoran

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Re: How much has your Net Worth increased since starting MMM?
« Reply #4 on: September 21, 2017, 01:21:48 PM »
30k to 48k~ since February.

That's including some rather insane expenses, like buying a new house, new roof, moving, lots of random new stuff to make the new house livable (working stove for example), and the ongoing repairs on said house.

If your on these forums you're pretty lucky imo :)(not that this site isn't self selected a bit of course).  When I consider the fact that in 9 years of being an adult I put away about about 30k of wealth, and in 7 months post MMM we put away more than half of that. On one averageish income... with a kid... while acquiring a new house... its just maximum plaid(use your googlefu ;) ).
« Last Edit: September 21, 2017, 01:24:29 PM by Lan Mandragoran »
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DCKatie09

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Re: How much has your Net Worth increased since starting MMM?
« Reply #5 on: September 21, 2017, 01:37:11 PM »
We started tracking NW in summer 2014 and found MMM shortly thereafter - I think 2015 was our first year of maxing 401k contributions.
NW Aug 2014: 191,000
NW Aug 2017: 500,000

100K a year avg with a household income that just this year hit 150K isn't too shabby! (thanks, markets!) :)

cheapass

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Re: How much has your Net Worth increased since starting MMM?
« Reply #6 on: September 21, 2017, 01:46:10 PM »
May 2015 net worth: $232K
Sep 2017 net worth: $521K
Delta: $289K

Age 32
Every single decision you make with money either shortens or lengthens your working career.

BoonDogle

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Re: How much has your Net Worth increased since starting MMM?
« Reply #7 on: September 21, 2017, 02:01:17 PM »
Sept 2014 NW = 730K
Sept 2017 NW = 1.25M
Incr = 520K

lexde

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Re: How much has your Net Worth increased since starting MMM?
« Reply #8 on: September 21, 2017, 05:03:46 PM »
 Start: -31K around September last year.
Now: -5K
So close to zero! It's all uphill once I'm debt free (32K to go) and I can pay myself with investments and maxed out retirement accounts!


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BTDretire

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Re: How much has your Net Worth increased since starting MMM?
« Reply #9 on: September 21, 2017, 05:46:03 PM »
I have average a gain of $13,990 a month since I first saw MMM on 8-21-2015, twenty five months ago. For a gain of $349,771.
 MMM didn't really change my habits, other than spending way to much time reading the site.
 We were already frugal, maybe not MMM frugal but well above average savers. We are Fi but not RE, because I can't get my wife to retire.
 I like to think, if you open up "The Millionaire Next Door" you'll see me waving at you.

moof

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Re: How much has your Net Worth increased since starting MMM?
« Reply #10 on: September 21, 2017, 07:31:20 PM »
505k to 690k since I joined last summer, not counting house value change.

Savings rate doubled from maxing 401k and partial 529 contributions to maxing 529 to state deduction, maxing sousal IRA, maxing Roth IRA, and putting 24k into a taxable account.

Sold my truck.  Went to 100% bike commuting.  Cut out a lot of beef from the grocery bill.

Eric222

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Re: How much has your Net Worth increased since starting MMM?
« Reply #11 on: September 21, 2017, 08:07:44 PM »
First found MMM September 2015:  -350k.
Now in September 2017:  -205k.

Progress (+145k) has been made...but there is still some distance to travel. 
“Except when awesome is just awesome, because sometimes it is.” - Scrubby

Journal: Racing towards zero

Where I started...

Long term goals:  Stay fit, NW0 by 39, and FI by 50.  Required SR:  66%.  SR goal for monthly income: 60%.

Zikoris

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Re: How much has your Net Worth increased since starting MMM?
« Reply #12 on: September 21, 2017, 09:40:52 PM »
We were somewhere between $0 and $5,000 when we started in August/September 2011, when we were 23 and 24. We're at $290,899 today, about six years later. Our combined income during that time ranged from around 35K to 80K, so it's not like we were rolling in cash.

We didn't really make a lot of changes. It was more making a few tweaks here and there and increasing our income from "shit" to "middle-class".
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I also have a journal! http://forum.mrmoneymustache.com/journals/the-zikoris-diaries/

mynewchoice

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Re: How much has your Net Worth increased since starting MMM?
« Reply #13 on: September 21, 2017, 11:38:25 PM »
Cool idea for a thread, and had never really thought about it.  While I found MMM about a year ago, I will admit that we have only been making small changes here and there thus far so I think we still have a lot of room for improvement.

Jun 2016: $618k
Sep 2017: $856k

Suit

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Re: How much has your Net Worth increased since starting MMM?
« Reply #14 on: September 21, 2017, 11:41:44 PM »
Feb 2014 to present around 200k NW change

marty998

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Re: How much has your Net Worth increased since starting MMM?
« Reply #15 on: September 22, 2017, 03:21:24 AM »
October 2012: ~$275k (I don't really have concrete figures from then)
September 2017: $1,026k

Would have happened with or without MMM. I'm just here cos it's a nice place to be :)

TMInsall

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Re: How much has your Net Worth increased since starting MMM?
« Reply #16 on: September 22, 2017, 05:29:38 AM »
I started reading at the end of last year. I really don't have data from before January, so:

Jan 01 2017: -$24,413
Sept 01 2017: -$3,332


dude

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Re: How much has your Net Worth increased since starting MMM?
« Reply #17 on: September 22, 2017, 07:27:27 AM »
Joined MMM Oct 2013 (and started cutting frivolous expenses right away), but didn't start tracking Net Worth until Aug. 2014. I had been investing and saving pretty solidly for about a decade prior to that, but the wife had not.  Got her on board after finding MMM and it's made a huge difference (she is now regularly shocked to hear about how much debt her friends have).

Aug 2014
NW = $705,171
Invested assets = $640,573

Sept 1, 2017
NW = $1,290,242
Invested assets = $1,034,894

kapnfriday

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Re: How much has your Net Worth increased since starting MMM?
« Reply #18 on: September 22, 2017, 08:11:44 AM »
I found MMM and the FIRE concept in August 2016.  Our net worth has increased since that time by $123k

Aug 2016 NW: $557k
Sept 2017 NW: $680k

In August 2016 my wife was 44.  She started her career when she was 24.  In August 2016 I was 46.  I started my career when I was 27.  So it took us a combined 39 work years to reach 81% of our current NW.  The other 19% came in just the two combined work years since we discovered MMM and the concept of FIRE.

We haven't had any increase in income over the last year.  The NW gains over the last 12 months were due to a strong stock market, moving our investments out of life-cycle funds and into low-fee index funds, a concerted effort to pay off the mortgage on our cabin, and cutting lots of wasteful spending.
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BTDretire

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Re: How much has your Net Worth increased since starting MMM?
« Reply #19 on: September 22, 2017, 08:36:45 AM »
We were somewhere between $0 and $5,000 when we started in August/September 2011, when we were 23 and 24. We're at $290,899 today, about six years later. Our combined income during that time ranged from around 35K to 80K, so it's not like we were rolling in cash.

We didn't really make a lot of changes. It was more making a few tweaks here and there and increasing our income from "shit" to "middle-class".
Congratulations, keep up the savings! I recall having $642 at 26, and that was all from wedding gifts.
 You are way ahead of the game. By the end of our first year of marriage we had $6,000. That was in 1982 when the two of us grossed $18,000. :-)

Zikoris

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Re: How much has your Net Worth increased since starting MMM?
« Reply #20 on: September 22, 2017, 09:03:24 AM »
We were somewhere between $0 and $5,000 when we started in August/September 2011, when we were 23 and 24. We're at $290,899 today, about six years later. Our combined income during that time ranged from around 35K to 80K, so it's not like we were rolling in cash.

We didn't really make a lot of changes. It was more making a few tweaks here and there and increasing our income from "shit" to "middle-class".
Congratulations, keep up the savings! I recall having $642 at 26, and that was all from wedding gifts.
 You are way ahead of the game. By the end of our first year of marriage we had $6,000. That was in 1982 when the two of us grossed $18,000. :-)

Thanks! I kick myself sometimes for not starting as soon as I started working full time at 18 - an extra five or six years of savings!. But we're still looking at a relatively short working career, so there's that I guess.
Blogging about frugality, travel, and Vancouver life - www.incomingassets.wordpress.com

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FireLane

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Re: How much has your Net Worth increased since starting MMM?
« Reply #21 on: September 22, 2017, 08:40:47 PM »
When I found MMM in March 2015, my NW was around $600K.

As of September 2017, it's $1.23M, with just over $1M in cash and investments. Not too shabby!

Heckler

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Re: How much has your Net Worth increased since starting MMM?
« Reply #22 on: September 23, 2017, 02:05:47 AM »
$269,596 is shown in my spreadsheet under "savings since finding MMM" -  since June 2014. 

This could be compared to saving $200,000 in retirement funds and paying off a $275k mortgage in the 18 years prior.

NW is a whole different story, as we became mortgage free January 2016 in a high grow real estate market. That had nothing to to with MMM, but the fact we still have ten year old cars and ride a bike to work does.  We were so ready to put mortgage costs towards a $80,000 camper van...  instead, we are happy but frustrated with our 36 year old Westphalia that barely runs.
« Last Edit: September 23, 2017, 02:17:27 AM by Heckler »

alice76

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Re: How much has your Net Worth increased since starting MMM?
« Reply #23 on: September 23, 2017, 10:44:52 AM »
7/1/14: $277,177.26
9/23/17: $395,701.84

$118,524.58 in 3 years

We're plugging along, totally inspired by those of you who are blowing us out of the water. In the time from 7/14, my husband went from FT with commute to PT from home. We had a second baby. We moved within our city to a more sustainable living situation. Plus, I took a $25K pay cut to leave a stressful job I didn't enjoy. We are the happiest we've ever been.

MrsWolfeRN

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Re: How much has your Net Worth increased since starting MMM?
« Reply #24 on: September 23, 2017, 12:21:06 PM »
Not really sure, since I had a bunch of accounts that I wasn't keeping track of very well. It took me a couple months to consolidate and setup Mint. So far has gone up 65k in 9 months since I started tracking.

NinetyFour

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Re: How much has your Net Worth increased since starting MMM?
« Reply #25 on: September 24, 2017, 07:33:38 AM »
I found MMM in April 2013, but my records only go back to September 2013.

9/2013:  $296,114  (Cash + Investments:  $263,788)
9/2017:  $766,596  (Cash + Investments:  $589,517)

Wowsers.
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SnackDog

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Re: How much has your Net Worth increased since starting MMM?
« Reply #26 on: September 24, 2017, 08:14:44 AM »
Ours has more than tripled since 2013 but MMM  had nothing to do with it. We have always been frugal and generally lucky with investments and real estate.

Before 2013 I had never considered retiring.  Now I have a plan all mapped out and am ready to take any of the off ramps.  I have probably wasted a lot of time on it, actually, but good to know where we stand.
The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind. –Thomas T. Munger

Sailor Sam

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Re: How much has your Net Worth increased since starting MMM?
« Reply #27 on: September 24, 2017, 11:09:09 AM »
Found MMM late 2013, with a NW of ~$200,000

Made a forum account April 2015 with a NW of $288,000

Currently at $457,000

Holy wow.

Travis

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Re: How much has your Net Worth increased since starting MMM?
« Reply #28 on: September 24, 2017, 12:15:27 PM »
Back then (late 2013/early 2014) I wasn't tracking my net worth, but it was probably in the $200-$250k range. It hit $790k on Friday.
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Stingray

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Re: How much has your Net Worth increased since starting MMM?
« Reply #29 on: September 24, 2017, 01:27:42 PM »
Hey Sailor Sam. I’m DW To ML. I finally joined the forums.


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Sailor Sam

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Re: How much has your Net Worth increased since starting MMM?
« Reply #30 on: September 24, 2017, 01:42:43 PM »
Hey Sailor Sam. I’m DW To ML. I finally joined the forums.


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Hey ho, Stingray! I've heard ML is a hell of a 40th birthday present. ;)

Stingray

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Re: How much has your Net Worth increased since starting MMM?
« Reply #31 on: September 24, 2017, 08:48:32 PM »


Hey ho, Stingray! I've heard ML is a hell of a 40th birthday present. ;)

I’m still laughing. Actually, from one cradle robber to another, Yep. :-)

rdaneel0

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Re: How much has your Net Worth increased since starting MMM?
« Reply #32 on: September 24, 2017, 09:29:46 PM »
Fun thread idea!

Found MMM in 2010, Age 23 - $2,000 (zero investments, just a checking account)

September 2017, Age 30 - $80,000

Will break $100k in mid 2018 and our salaries have gotten a LOT better, so we've seen our savings explode in the last few months.
« Last Edit: September 24, 2017, 09:35:39 PM by rdaneel0 »
I write about my weekly meal preps, saving money in the city while working, and my random thoughts/adventures: https://forum.mrmoneymustache.com/journals/journey-to-the-center-of-the-'stache/

Freedomin5

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Re: How much has your Net Worth increased since starting MMM?
« Reply #33 on: September 24, 2017, 10:40:01 PM »
Increased $325K since I joined the forums in October 2015. Approximately $35K is due to appreciation of our rental unit, but the rest is from saving, investing, and paying down the mortgage.

BobTheBuilder

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Re: How much has your Net Worth increased since starting MMM?
« Reply #34 on: September 25, 2017, 05:26:50 AM »
Long story short: from minus 20K € and no liquidity to minus 6K with 5K liquidity now.

My journey from debt insanity actually started before I found MMM or other good blogs on badass frugality and non-complanipantsism. After I got my el. engineering diploma, I sat in a expensive new flat without furniture (had to move since the last landlord went nuts) after a job offer had just busted. Unemployed for 3 months, and by Jan 2015 I was at minus 20k student loans and credit cards and had a nervous breakdown. I had the shit scared out of me by my own reflection at 3am in the morning. 

Before the first pay from my ph.d. program arrived at the end of Jan 15, I literally had 20€ left for food.

And here we are, looking at job offers that will pay me 64K+ in 2018 as soon as I finish my ph.d., no longer screaming at the mirror. Never again.

FireHiker

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Re: How much has your Net Worth increased since starting MMM?
« Reply #35 on: September 25, 2017, 02:58:56 PM »
I read all of the MMM blog posts in mid-late 2015 and joined the forum in December 2015, although I didn't post much until this year.

Start NW in 12/2015:
953k, of which $440k was home equity, and $513k was non-home equity

Last month:
1.3M total, $550k home equity, $753k non-home equity

WhiteTrashCash

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Re: How much has your Net Worth increased since starting MMM?
« Reply #36 on: September 25, 2017, 03:09:08 PM »
Wow, some people have really big numbers. I still owe $48,000 in student loans, so that drags my numbers down a bit.

August 2015: -$76000 (Yes, that's a negative number.)
September 2017: +$25000 (including equity from my house)

I'd be further along if my wife hadn't been sick and unable to work for a year and a half and if I didn't have to pay 5.25% interest on my student loans, but overall I'm doing pretty well.

Finding MMM has made a huge difference in my life.

tyort1

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Re: How much has your Net Worth increased since starting MMM?
« Reply #37 on: September 25, 2017, 03:41:17 PM »
Wow, some people have really big numbers. I still owe $48,000 in student loans, so that drags my numbers down a bit.

August 2015: -$76000 (Yes, that's a negative number.)
September 2017: +$25000 (including equity from my house)

I'd be further along if my wife hadn't been sick and unable to work for a year and a half and if I didn't have to pay 5.25% interest on my student loans, but overall I'm doing pretty well.

Finding MMM has made a huge difference in my life.

Basically you've turned things around by over $100,000 in a little over 2 years.  Hot damn that's awesome!  Working out of a hole (debt) is actually much harder than building wealth from zero. 
Frugalite in training.

clarkfan1979

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Re: How much has your Net Worth increased since starting MMM?
« Reply #38 on: September 25, 2017, 10:30:55 PM »
Joined MMM in March 2014.

March 2014: 169K
September 2017: 505K

Pretty much tripled in 3.5 years.

If I never found MMM, I think I would be around 300K to 400K with a shiny new car. Instead I bought a $2,500 used car that runs great.

marblejane

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Re: How much has your Net Worth increased since starting MMM?
« Reply #39 on: September 25, 2017, 10:59:14 PM »
I found MMM right after graduating from grad school in August of 2013. My net worth then was negative $190k. I'm currently around positive $120k, so an increase of about $300k over 4 years.

Faramir

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Re: How much has your Net Worth increased since starting MMM?
« Reply #40 on: September 26, 2017, 03:07:13 AM »
Household Numbers:

Found MMM Sep 2012 (age 32):  US$130,000

Sep 2017 (age 37): US $615,000

5 Year Increase: US$ 485,000

Which is well over our 5 Years After-tax Income of US$340,000

Thanks bull market/real estate appreciation.

Laserjet3051

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Re: How much has your Net Worth increased since starting MMM?
« Reply #41 on: September 26, 2017, 08:59:41 AM »
Prior to MMM, I wallowed in the victim-mentality of hopeless negative net worth, thinking I could never climb out of the hole that was sucking me down my whole life (despite a 6 figure income for many years).

(very face punch worthy, yes)

MMM changed my entire mindset, empowered me, I dropped the hopeless victim mentality, and went full force. Quickly turned negative net worth into positive and been climbing that ladder in the 1.5 years since discovering MMM.

Thank you Pete!

zinnie

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Re: How much has your Net Worth increased since starting MMM?
« Reply #42 on: September 26, 2017, 09:40:23 AM »
About 500k liquid. NW--about 800k. When I started getting serious in 2011, I thought could retire in 10-15 years. Once I started saving, I realized I could be done in 7.

Money grows fast!

Michread

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Re: How much has your Net Worth increased since starting MMM?
« Reply #43 on: September 26, 2017, 09:49:00 AM »
Not net worth but investments
1M to 1.8M

Travis

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Re: How much has your Net Worth increased since starting MMM?
« Reply #44 on: September 26, 2017, 10:16:12 AM »
Since we all have varying levels of income, how do these changes actually move you forward to reaching FIRE?

My dollar amounts were: Pre-MMM(2014) - $250k, today - $790k

With a FIRE amount of $1.2M, I went from 21% to 66% in those three years.
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force majeure

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Re: How much has your Net Worth increased since starting MMM?
« Reply #45 on: September 26, 2017, 12:23:26 PM »
I found MMM in 2013 and made some major changes in my life. I am just about in my 40s now.
I have been putting away insane amounts each month. I dont want to get into actual numbers, but;

My dividend income is now the same as what my salary was back in 2014.

I have actually gone over a savings rate of 100% of gross salary, because I am also re-investing dividends.

I blame Pete for this savings problem.
p.s. I get this from friends a lot…

"What will you do?”
"Whatever the hell I feel like doing on any given day."

mountainfamily

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Re: How much has your Net Worth increased since starting MMM?
« Reply #46 on: September 26, 2017, 12:44:31 PM »
Just hit $300k today! We were at $180k one year ago and probably around $50k when I started reading MMM in late 2014. Our incomes are fairly modest for a high cost of living area. Parental gifts and stock market rally are part of this success. MMM's definitely had a major influence, especially in steering us toward index fund investing. Can't say we've cut our annual budget costs too much since they were already low(ish), but our income has risen steadily, we've improved our lifestyle without spending more (i.e., travel hacking and Republic wireless instead of pre-paid dumb phones). Next goals: continue to avoid lifestyle creep when we have a baby and reach $325k by March, assuming the stock market doesn't dip.

Yankuba

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Re: How much has your Net Worth increased since starting MMM?
« Reply #47 on: September 26, 2017, 01:40:58 PM »
I have average a gain of $13,990 a month since I first saw MMM on 8-21-2015, twenty five months ago. For a gain of $349,771.
 MMM didn't really change my habits, other than spending way to much time reading the site.
 We were already frugal, maybe not MMM frugal but well above average savers. We are Fi but not RE, because I can't get my wife to retire.
 I like to think, if you open up "The Millionaire Next Door" you'll see me waving at you.

Same - up $14,324 each month over the past 34 months ($477,000). I was frugal before "Mustachian" was the cool synonym.

2Birds1Stone

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Re: How much has your Net Worth increased since starting MMM?
« Reply #48 on: September 26, 2017, 02:03:56 PM »
These bragging threads are fun.

Discovered MMM in November of 2014.

  $75,000 - Net Worth 11/1/2014
$327,000 - Net Worth 9/26/2017

+$252,000 in just under 3 years

My income has also gone up from $49k in 2014 to ~$120k in 2017
"A small house can hold as much happiness as a big one." - Fortune Cookie

33 Months till FIRE - Stop by, or stay a while.....
https://forum.mrmoneymustache.com/journals/fire-by-thirty-five-chronicles-36-months-till-sabbatical!/

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Re: How much has your Net Worth increased since starting MMM?
« Reply #49 on: September 26, 2017, 03:27:52 PM »
September 2015: $1.8M
September 2017: $2.6M

Thank you OP for starting this thread!  It hadn't occurred to me to do this calculation, but I'm glad I did!  Many many thanks to MMM and this community!