Author Topic: Net worth decrease 2020 (i.e. the 'present' you give yourself)  (Read 250015 times)

Chaplin

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #1050 on: January 03, 2019, 10:31:14 PM »
It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

Fun to see that I had posted in this thread almost two years ago.  I reported that in 2014 our NW had gone up $151K ($CAD, but still nice). I revised 2014 due to a better real estate valuation, so it looks like this:
2014: $174K increase in NW
2015: $213K increase
2016: estimating a $239K increase

I apologize for linking to this again, but it seems relevant for this thread. I had posted back in 2014 that I wanted to better understand where our changes in NW had actually come from, so I finally worked it out:

<nice chart showing what contributed to our net worth gains each year - real estate appreciation was a big factor>

Not expecting those real estate gains to continue...

It seems like I revisit this thread every two years. I have added 2017 and 2018 as well as gone back in time to add some historical numbers.

2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019(est): aiming for $170K increase

Despite the lower increase in 2018 it was a good year for us. We sold the house that had gained so much and bought a place cost $300K less. Most of that difference was invested a few months before the market dipped - unfortunate, but not something to lose sleep over. Real estate used to account for about 52% of our net worth but moving and investing the difference puts it at 42% which is still high but much better.

BobTheBuilder

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1051 on: January 04, 2019, 01:44:35 AM »
4.2k Euro increase to almost 0 net worth, which is just shy of my goal for 2018. But hey, stock market.

2019 will bring more income, and reduced interest as the remaining credit is paid down.
Aim for 2019: +14k if my investments don't gain anything.

Rubyvroom

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #1052 on: January 04, 2019, 12:16:17 PM »
* Dec 2014 - 12% of target stash
* Dec 2015 - 15% of target stash
* Dec 2016 - 25% of target stash

We found MMM in summer 2016, so the "stash" concept did not exist for us in 2014 or 2015, hence the lackluster improvement from 2014 to 2015. With just a half year of deliberate savings in 2016, we are now 1/4 of the way to our goal. I'm hoping 2017 will be a big year for us, with a full year of MMM mindset under our belts.

And a big year it was. We managed to pull off a 63% savings rate this year. Huzzah.

* Dec 2017 - 42% of target stash

2018 is a difficult year to calculate because our present to ourselves came in the form of a land purchase, which takes a pot of money out of our stash but not out of our net worth. With the exception of the land purchase, we saved 61% this year, so we're happy with that. As we get closer to FIRE, I may revisit our "target stash" number, but I'm not ready to move the goal posts yet. 

* Dec 2018 - 37% of target stash

RWD

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1053 on: January 05, 2019, 10:21:36 AM »
Looks like an increase of about $64k last year for us. Moving in the right direction, but 2017 was 2.5x better.

Dr Kidstache

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1054 on: January 05, 2019, 10:29:53 AM »
1/5/18: $397,293.73
1/5/19: $447,872.21
NW increase of $50,578.48 (12.7%). Invested about twice that amount during the year. Meh.

seattlecyclone

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1055 on: January 06, 2019, 08:20:23 AM »
Down about 3% despite investing half our pay. So it goes with the market sometimes.

Zikoris

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1056 on: January 06, 2019, 03:33:30 PM »
We increased by $38,447, which was about a 12% increase. Our income was about 77K for the year and my partner quit his job halfway in to switch to full time freelancing, so that worked out well.

AFrugalGuy

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1057 on: January 06, 2019, 04:02:14 PM »
As a couple:

12/31/2017: $316,696.77
12/31/2018: $395,279.41

An increase of $78,542.64 (24.81%). The market downturn deflated this somewhat (we had hoped to be over $400k), but we're happy with the end results. Targeting $500k by 12/31/2019.
« Last Edit: January 06, 2019, 04:03:56 PM by AFrugalGuy »

phildonnia

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1058 on: January 07, 2019, 02:56:24 PM »
Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.
@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.

Indeed.  With a 6-figure income and a 50% savings rate, I somehow managed to come out -- ready? -- $8800 ahead for 2018.  No, we're not doing it wrong.  Sometimes you have a sucky year. 

sol

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1059 on: January 07, 2019, 04:05:17 PM »
With a 6-figure income and a 50% savings rate, I somehow managed to come out -- ready? -- $8800 ahead for 2018.  No, we're not doing it wrong.  Sometimes you have a sucky year.

Don't think of it as a single sucky year in which you lost 6.51%.  Instead, think of it as a three year period in which you averaged a positive 7.52% per year.  See, you're doing great!

* all figures are inflation adjusted, including dividends, based on the web interface at http://www.moneychimp.com/features/market_cagr.htm

edit:  It's not quite as good as the preceding 3 year period, which averaged over 14%, or the three year period before that, which averaged 8.73%, but it's better than the three year period which included the great recession, which averaged -4.06%.   But when you put it all together, the total returns since 2007 that include the great recession and the current dip still combine for a CAGR of +5.14% over the past 12 years, despite the economic collapse of the United States in 2008/09 and the recent 20% dip.  That's pretty good!  In fact, it's more than enough to fully fund a 4% SWR with money left over...
« Last Edit: January 07, 2019, 05:21:07 PM by sol »

Steveray7071

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1060 on: January 08, 2019, 01:38:21 PM »
Net worth increase of 79K for 2018! 3rd best year.

dragoncar

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1061 on: January 09, 2019, 02:42:36 AM »
I made a bazillion dollars selling Acai berries

Cool Friend

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1062 on: January 09, 2019, 08:07:29 AM »
Just want to say 2018 was the first year since graduating college (over 10 years ago) that my net worth has been in the black.  :)

mbk

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #1063 on: January 09, 2019, 10:31:17 AM »
This year my NW had a gain of around 24k but my liquid assets went down by 24k. This is due to cashing out 457b at the height of market to buy a second house. I partly replenished the retirement accounts over the subsequent months and paid off some debts. The good thing is I took in room mates in the second house and my housing costs went down significantly.
« Last Edit: January 09, 2019, 10:45:11 AM by mbk »

Serendip

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1064 on: January 09, 2019, 04:02:34 PM »
My first year saving with intention vs. frittering money away or paying off debt.
Wish I'd started this sooner!

Dec 18/17    $18,146
Dec 30/18   $46,250

Increase of $28,104


Jaayse

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1065 on: January 10, 2019, 08:23:28 PM »
I found MMM this year around January, but I lost some of my data when my computer died... so the first time I have saved is when I started my journal on here which was mid April.

15 April - 164900
31 December - 232200  (+67300) approximate increase over 7 and a half months

Best guess is around 75000 increase for the year!  (This does not include the equity in my condo.)

So I got my actual end of year numbers, and I managed to figure out how to look into my non-mustachian past and here is what I found:

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)

My actual gain for the year was MUCH higher than I thought.  I can't wait to see what happens this next year!

January 2019          356500        +124500

According to my spreadsheet I saved 144k with my condo sale (60k) included, but as you can see the market ate into the savings rather than boosting them this year.  Still, a very good improvement on my previous year's savings that was boosted by the market.

dragoncar

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1066 on: January 11, 2019, 07:20:15 PM »
Ok, it's time to change the title. 

jengod

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1067 on: January 12, 2019, 10:08:38 PM »
I thought for sure we’d be down this year because our spending feels insane and the market is down-trending but:

2016: $2.40 m
2017: $2.75 m
2018: $2.86 m

We remain debt-free and the house is still standing. We might need a new roof and a new (used) car in 2019. Whoo!

jengod

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1068 on: January 12, 2019, 10:08:16 PM »
I thought for sure we’d be down this year because our spending feels insane and the market is down-trending but:

2016: $2.40 m
2017: $2.75 m
2018: $2.86 m

We remain debt-free and the house is still standing. We might need a new roof and a new (used) car in 2019. Whoo!

ASquared

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1069 on: January 13, 2019, 04:52:08 PM »
2018 - 838K
2017 - 763K
2016 - 642K
2015 - 553K
2014 - 502K
2013 - 405K

I'm a red panda

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1070 on: January 13, 2019, 06:45:05 PM »
Ok, it's time to change the title.

Or start a new thread?

dragoncar

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1071 on: January 14, 2019, 01:15:15 AM »
Ok, it's time to change the title.

Or start a new thread?

Why do people hate long threads?  They started a new Overheard at Work.  Does the page number list take up too much of your data quota or what?

marty998

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1072 on: January 14, 2019, 02:11:50 AM »
Please start a new thread. I won't be offended...

dragoncar

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1073 on: January 14, 2019, 02:32:44 AM »
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

marty998

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1074 on: January 14, 2019, 04:03:39 AM »
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Cherry Lane

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1075 on: January 14, 2019, 06:09:19 AM »
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.
« Last Edit: January 14, 2019, 08:26:11 AM by Cherry Lane »

SnackDog

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1076 on: January 14, 2019, 08:02:31 AM »
Someone should just make a public Google sheet and let people input their figures along with comments, then graph it all up.

RWD

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1077 on: January 14, 2019, 08:11:11 AM »
Someone should just make a public Google sheet and let people input their figures along with comments, then graph it all up.

I graphed the 250k-500k participants when I graduated that thread back in late 2017.
https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-250-to-500k!/msg1728701/#msg1728701

partgypsy

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1078 on: January 14, 2019, 10:08:48 AM »
Have not calculated net worth numbers since 2015! This can be an example about divorce.

In 2018 when divorce became official, ex was paid 104.5 out of retirement. Over the year retirement fund went from 223K to 121K at end of year (-102K).
I will also be splitting pension with ex once get into retirement. It will not be a 50% reduction because I will have worked more years outside the marriage by then. 
house value according to Zillow increased to 294 to 344K (+50K).
Mortgage went from 56.2 to 47.5K (+8.5K)
Car loan went from 7.5K to around 4K or so (+3K) 
(small) efund went from basically 0 to around 1.5K
so 2017=453
2018 = 413
retirement fund is 54% of 2017. overall net worth 91% of 2017.

Small potatoes compared to some and now over-weighed in house. At the same time I am very glad for small improvements in picture, and that I was able to keep house.  My monthly average spending has been the lowest since around 2012, 2010 but don't feel deprived at all. I was also fortunate in that while I divorced this year, our date of separation was April 2016. He and the court agreed that the value of joint property at that date should be used for division of assets.
« Last Edit: January 15, 2019, 02:08:58 PM by partgypsy »

DS

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1079 on: January 14, 2019, 11:07:39 AM »
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.

My suggestion many pages back was "Net worth increase this year (i.e. the 'present' you give yourself)" but no reply or change. Such an easy solution.

dragoncar

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1080 on: January 15, 2019, 12:53:00 AM »
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.

My suggestion many pages back was "Net worth increase this year (i.e. the 'present' you give yourself)" but no reply or change. Such an easy solution.

Just PM me your password and I'll change it each year.

Or call it "dragoncar go f yourself (i.e. the 'present' you give yourself)"

SnackDog

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1081 on: January 15, 2019, 08:37:15 AM »
Looks like around 2% increase for 2018 with variances all over the place: spending way up, investments down, forex down, equity up, savings slightly down, pension lump sum down (due to interest rate increases), company stock down.  If this keeps up for the next 5-10 years it's gonna be rough!

rlnine

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1082 on: January 15, 2019, 08:53:43 PM »
February 2018 (when I started keeping track): -$88,863.22 ($98,064.52 in debts, $9201.3 in assets).

January 1st, 2019: -$78,157.63 ($91,645.14 in debts, $13,487.51 in assets).

Increase of $10,705.59, or 12%.

I can (and will) do so much better in 2019. Still, I celebrate this as my first baby steps in figuring out what the heck I'm doing. At least I threw every bonus, extra paycheck, birthday money, etc at my student loans. Now I'm lowering my spending as well, which will accelerate everything.

FoundPeace

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1083 on: January 17, 2019, 02:08:32 PM »
2016- $42
2017- $82k
2018- $186k
Pretty good haul this year.
I estimate 2019 at $250k.


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philli14

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1084 on: January 17, 2019, 02:48:12 PM »
Jan 1 2018: $21,789
Jan 1 2019:  $67,786

Great gift! Excited to see 2020.

onlykelsey

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1085 on: January 17, 2019, 02:58:02 PM »
Coming back to the forums after nearly two years away...

January 1, 2017: 511K
December 31, 2017: 665K (+154K)

About 120K was saved/invested, the rest was gains/increase in home equity.  Unfortunately I am not on pace to be anywhere near that this year.
December 31, 2018: 769K (+104K).  Pretty brutal since I invested more than that and paid down about 8K of principal on my place.  Oh well.

SwordGuy

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1086 on: January 17, 2019, 07:52:42 PM »
February 2018 (when I started keeping track): -$88,863.22 ($98,064.52 in debts, $9201.3 in assets).

January 1st, 2019: -$78,157.63 ($91,645.14 in debts, $13,487.51 in assets).

Increase of $10,705.59, or 12%.

I can (and will) do so much better in 2019. Still, I celebrate this as my first baby steps in figuring out what the heck I'm doing. At least I threw every bonus, extra paycheck, birthday money, etc at my student loans. Now I'm lowering my spending as well, which will accelerate everything.

Bravo!   That's a major life change.   Once you start seriously cutting down that principal the negative interest starts to lose its choke hold on you.   Your progress will accelerate!

meatgrinder

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1087 on: January 18, 2019, 09:45:55 AM »
2017: $2.1M
2018: 2.3M (peak was $2.6M in Sep)

~$250K increase.  Like most, I got smashed at the end of the year to the tune of -$300K even with a sizeable chunk in bonds and private equities. Time to buy more!

marty998

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1088 on: January 20, 2019, 01:24:53 PM »
2017: $2.1M
2018: 2.3M (peak was $2.6M in Sep)

~$250K increase.  Like most, I got smashed at the end of the year to the tune of -$300K even with a sizeable chunk in bonds and private equities. Time to buy more!

You might be back up by $150k already judging by the market performance of the last couple of weeks.

Volatility is back in vogue it seems.

Hey It's Me

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1089 on: January 21, 2019, 10:24:34 PM »
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.
December 2018: $208K.

Did manage to increase net worth more in 2018 than 2017 - about ~58K. Goal next year is to get back in the 70-80K range. Will check back in a year.
« Last Edit: January 22, 2019, 04:56:11 AM by Hey It's Me »

sisto

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1090 on: January 22, 2019, 11:06:16 AM »
I don't think I updated here yet. 2018 was a rough year due to being on partial disability for all of it except for 6 weeks, but here are the numbers every December from when I started tracking it in MINT:

December 2015     $641,910.49
December 2016     $754,226.93
December 2017     $982,960.75
December 2018     $1,051,311.55

My highest point was September 2018.

midwesterner1982

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1091 on: February 02, 2019, 03:46:09 AM »
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000
Dec. '18:  $490,000

Big goal for 2018 was $500k which we actually hit on August 31st which is great! Dropped back below at the end but we've since crossed over $500k again.  Most of the assets are in shares + (5) rental properties.  Lot of changes in 2019 as we'll be relocating back to U.S. after being expats past few years.  Excited for 2019 and wish everyone a profitable year!

iris lily

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1092 on: February 03, 2019, 06:55:03 AM »
We are down $130,000 but that is perfectly fine with me. We are old, retired, and spending the stash.

Our rate of burn-thru-stash will slow this year as we turn on one source of income.
« Last Edit: February 03, 2019, 06:59:37 AM by iris lily »

SpareChange

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1093 on: February 05, 2019, 12:26:06 PM »
EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015

tarheeldan

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1094 on: February 05, 2019, 12:30:28 PM »
EOY     Net Worth     Increase
2010    -$18,959.83   
2011    -$6,189.32   $12,770.51
2012    $1,104.06    $7,293.38
2013    $19,927.35   $18,823.29
2014    $45,996.21   $26,068.86
2015    $89,065.76   $43,069.55
2016    $135,349.15   $46,283.39
2017    $214,652.87   $79,303.72
2018    $265,279.90   $50,627.03

MM_MG

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1095 on: December 09, 2019, 12:08:45 PM »
   Retirement           Date          Difference
     $51,225       12/31/05   
     $80,038       12/31/06   $28,813
   $106,744       12/31/07   $26,706
   $103,124       12/31/08   -$3,620
   $162,173       12/31/09   $59,049
   $218,666       12/31/10   $56,494
   $249,987       12/31/11   $31,321
   $320,337       12/31/12   $70,349
   $435,650       12/31/13   $115,313
   $518,275       12/31/14   $82,626
   $603,958       12/31/15   $85,683
   $746,482       12/31/16   $142,524
   $979,476           12/31/17   $232,994
$1,148,530           12/04/18       $169,054
$1,395,539           12/06/19       $247,009


This year has been a grind...but the best year yet for savings and growth. 

itchyfeet

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1096 on: December 10, 2019, 01:02:07 PM »
Barring a meltdown in the next couple of weeks, 2019 has been by far the best financial year of my life.

12 month returns of the Australian stock market index fund is 25.9%. Incredible!!!!

Add to that one of my best saving years, and the change in my net worth is embarrassingly impressive,

use2betrix

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1097 on: December 10, 2019, 06:26:15 PM »
So far we have gone from $294k to $535k in 2019. This only includes savings and investments (no property or anything). The market helped, but I also just worked my ass off and saved a ton.

startingsmall

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Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
« Reply #1098 on: December 16, 2019, 06:08:36 PM »
December 1, 2015 - NW $178k
December 1, 2016 - NW $247k (increase - $69k)
December 1, 2017 - NW $323k (increase - $76k)
December 1, 2018 - NW $391k (increase - $68k)

Slacked off a bit this year.... but I downshifted a bit on the job front, going from FT job + freelance work to just a PT job + freelance work, and I'm SO much happier now. Hitting FIRE is no longer my number one goal in life.

Also, the market wasn't amazing like in previous years, so I guess I shouldn't expect the same increase we've had in previous years.

Overall, I'm not completely thrilled, but I'll take it!

Not sure why I've been tracking as of December 1st in this thread, but let's keep it up...

December 1, 2015 - NW $178k
December 1, 2016 - NW $247k (increase - $69k)
December 1, 2017 - NW $323k (increase - $76k)
December 1, 2018 - NW $391k (increase - $68k)

December 1, 2019 - NW $495k (increase - $104k)

Not too shabby. Still only working PT at my "day job" and making up the rest through freelance writing.

couponvan

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1099 on: December 16, 2019, 09:08:49 PM »

12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stock returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.
12/19 $1.79 still smoke breaking. Bought a new house, paid cash for college again, took lots more YOLO trips, and was surprised things actually went up with the net worth. Thank you markets. I am a bit listless with the SAHM routine. I may go back to work in March or April. Or not...