Author Topic: Net worth decrease 2020 (i.e. the 'present' you give yourself)  (Read 240028 times)

DadJokes

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1200 on: January 05, 2020, 01:11:46 PM »
1/1/2019: 60,898
1/1/2020: 137,265 (+76,367)

125% increase in my first year since discovering MMM

frogstomp81

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1201 on: January 05, 2020, 05:35:28 PM »
1/1/16: $462,464.13
1/1/17: $598,065.11 (+$135,600.98)
1/1/18: $719,775.17 (+$121,710.06)
1/1/19:  $708,180.68 (-11,594.49)
1/1/20: $935,648.51 (+227,467.83)

BeautifulDay

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1202 on: January 05, 2020, 06:06:04 PM »

                 Net Worth           Investment Assets (401k, IRAs, HSA)
Mar 2016          $28,361              $72,408
Dec 2016          $80,499   +$52k      $96,796  +$24k
Dec 2017         $128,724   +$48k     $116,626  +$20k
Dec 2018         $148,046   +$19k     $134,289  +$18k
Dec 2019         $228,588   +$80k     $206,182  +$72k


2016 - lived for free in company housing and put all our money towards debt
2017 - bought a house, so investments took a hit.
2018 - were doing good until October. Should have been closer to $40k investments increase. Oh well.

Omy

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1203 on: January 05, 2020, 06:44:59 PM »
Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.

You never know...we're up over $200k since FIREing in August 2019. I was shocked looking at our year end numbers. I would have been thrilled to be even with our August 2019 numbers.

Hey It's Me

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1204 on: January 05, 2020, 07:16:40 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.

Unfortunately, didn't hit the 70-80K goal, but I did break the quarter-mill mark last year! Currently sitting at $264K in net-assets.

dragoncar

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1205 on: January 05, 2020, 08:57:51 PM »
Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.

You never know...we're up over $200k since FIREing in August 2019. I was shocked looking at our year end numbers. I would have been thrilled to be even with our August 2019 numbers.

Sequence of returns looking good for me too, now look I jinxed it top is in

Rubyvroom

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #1206 on: January 06, 2020, 07:54:59 PM »
% of target stash:

* 2014 - 12%
* 2015 - 15%
* 2016 - 25% <-- found MMM
* 2017 - 42%
* 2018 - 37% <-- bought land
* 2019 - 67% <-- sold house

Onward!

Bird In Hand

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1207 on: January 08, 2020, 02:15:36 PM »
Savings & Investments (including retirement contributions) increased by $284k in 2019, and another $33k went to mortgage principal.  We did have to replace a car, so we have some red ink there.  Not including RE appreciation our 2019 NW went up by about $300k, or ~ 22%.

If returns in 2020 are half as good as 2019, we'll be safely into FI territory this year -- with a paid off mortgage to boot.

EliteZags

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1208 on: January 08, 2020, 02:32:21 PM »
Personal Capital shows my NW increased +~$70K in 2019
was unemployed most of the year and partying about 4 nights a week until August (Newport Beach), and came out with a Jaguar XF(2015) after my old SUV finally died
suppose I managed the year decently

trashtalk

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1209 on: January 08, 2020, 06:01:15 PM »
We're still updating the spreadsheet but broadly speaking we are up about $200k this year. We could have done better on savings rate but up is better than down so we'll take it.


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Glenstache

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1210 on: January 08, 2020, 06:07:02 PM »
Not including buying a house this year in my numbers, I am at about half of my target stash as of this month. If I include home equity, I am well on my way. I have a low % rate on loan, so won't be prioritizing paying down mortgage in the near term unless I get an unexpected windfall that would make a significant dent in it (and yes, that would be mostly psychological rather than mathy).

Retireatee1

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1211 on: January 08, 2020, 07:09:41 PM »
I'm in my 40's and have been doing the LBYM thing for over a decade.  For the past five years I've been using my own Retireator Excel spreadsheet (posted in this thread https://forum.mrmoneymustache.com/share-your-badassity/2020-retireator-released-(v0105)/) to do my early retirement planning.  I went back and looked at my future net worth predictions from the year 2015 and charted it against the real numbers.  Net worth is calculated by the Retireator to include savings and home equity minus debt and tax liability.  My predictions were slightly optimistic but tracked pretty well.  I've since revised my forecasts to be a bit more conservative.  The current Retireator prediction of my FI date is June 1, 2021.


EngagedToFIRE

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1212 on: January 09, 2020, 08:31:37 AM »
2019 was a pretty darn great year!


Simpli-Fi

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1213 on: January 10, 2020, 05:36:36 AM »
YES! it was...I was less than $8k shy of half a million increase, which is insane to me.

PVD_Kev

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1214 on: January 10, 2020, 12:48:11 PM »
People are damn inspiring on here!  So, for posterity I did my best estimate of NW since discovering MMM in 2015.  The fact that I can actually go back and reliably track this information is itself a testament to the good ideas from MMM.

FWIW, I've been doing this as a recently (2014) divorced dad of two who had the kinds of expenses that no one preparing for FIRE would advise (child support, outfitting a new home, less control over kids expenses, etc).  DO NOT RECOMMEND!

Also note, I do not include the >$500,000 I have in 529 funds since it's the kids money and we are now withdrawing from it for college tuition. Lastly, also note that I did get re-married in 2018 and that she brought $40k (that's it...her first husband bankrupted them!).

July 2016:   $247,000
July 2017:   $319,000
July 2018:   $356,000
July 2019:   $432,000
July 2020:   $477,000?

Now that divorce-based expenses end in July 2020 I hope to get to $1m by 2025, or sooner.

w@nker

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1215 on: January 25, 2020, 12:47:03 AM »
My best year yet for NW increase.  Up about $600k in 2019, and I now sit at just over $3 million.  Snowballing toward my $5 million fat FIRE, but I donít trust the market from these levels.  Nevertheless, I stay fully invested because that is the way.

StarBright

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1216 on: January 25, 2020, 11:17:17 AM »
I wasn't expecting much of an increase this year, since I quit my job in February and donated a decent chunk of money to charity. But sweet baby FSM did investment growth get my FIRE off to a great start. Net worth increased by $172,000. I never earned close to that amount in even my highest-income year.

That is so cool!

Mrs. D.

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1217 on: January 28, 2020, 08:57:06 PM »
Up $80K for 2019. Record-breaking year for us! Hoping to top that in 2020.

Tulstrup

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1218 on: January 30, 2020, 01:19:51 PM »
This year was really great for me as well, with my total net worth being up 60% since the beginning of the year, having a great return on my stock investments while also saving and investing a big chunk of my income.

My total net worth is now $168k up $63k this year.

The numbers in the screenshots are in my local currency, DKK, so dividing by 6.78 will give the value in USD.

Fun fact; this makes me in the top 9.97% most wealthy in the world :p


Elle 8

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1219 on: February 04, 2020, 05:35:17 AM »
Wow, how have I never noticed this thread before? Below is my year end Retirement Savings (rounded to $500), not net worth. Interesting how I skipped right over the 500Ks.  Add in my short-term savings, home equity minus mortgage, and some other small adjustments and my net worth right now looks like about 887K. I'll be a millionaire in no time!

2012 . 225,000
2013 . 240,000
2014 . 276,500
2015 . 324,000
2016 . 364,000
2017 . 453,000
2018 . 487,000
2019 . 608,500
NOW . 631,000

Steveray7071

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1220 on: February 04, 2020, 12:37:03 PM »
109K gain for 2019!

Spitfire

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1221 on: February 06, 2020, 01:45:20 PM »
I'll join, this is invested only (401k, Roth, Taxable):

2015: 184,891
2016: 238,968 (+29%)
2017: 325,950 (+36%)
2018: 359,485 (+10%)
2019: 525,556 (+46%)

Now if 2019 could happen a few more times in a row...

terrifictim

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1222 on: February 06, 2020, 01:58:24 PM »
2016: 232K - Started tracking with Mint
2017: 320K (+88K) - Combination of some investing and some real estate appreciation. Had been doing good saving but only started to get serious about investing this year
2018: 534K (+214K) - Got married and combined assets. Started DINKING and really hitting the pre-tax accounts. Went from aggressively paying off mortgage to aggressively investing.
2019: 675K (+141K) - Starting to see investment accounts becoming signficant. DW went to part time.

The next few years will be interesting. Kid #1 is on the way so expecting lower jumps for a few years especially if DW becomes a SAHM.

evanc

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1223 on: February 13, 2020, 10:56:49 AM »
So many inspiring stories. Here's mine:

16: 346,143
17: 397,687
18: 414,661
19: 600,400

And today I'm at 660~ plus 300 in home equity (not included in above figures), so 2020 is shaping up to be the year of officially becoming a net worth millionaire. If you had told me that a couple of years ago when I started this journey, I would have thought it impossible. So fortunate and thankful to have found MMM and all you mustachians. You all rock!

Dicey

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1224 on: February 13, 2020, 01:30:33 PM »
Just put pencil to scratchpad. We flipped a house last year, so this number is unusually high. Our primary bank account + out primary investment account are up $562k over last year. There is other stuff, but I'm too gobsmacked to dig any further. Yowza!

marty998

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1225 on: February 19, 2020, 03:21:17 AM »
Just put pencil to scratchpad. We flipped a house last year, so this number is unusually high. Our primary bank account + out primary investment account are up $562k over last year. There is other stuff, but I'm too gobsmacked to dig any further. Yowza!

Oh my god @Dicey that's freaking huge! Well done!

eazyebeneezer

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1226 on: March 07, 2020, 06:54:16 AM »
Dec 2011: ~53k
Dec 2012: ~59k
Dec 2013: ~65k
Dec 2014: ~78k
Dec 2015: ~85k
Dec 2016: ~91k
Dec 2017: ~108k
Jan 2018: enter the Mustachian awakening
July 2018: ~145k

Thanks to MMM, the concept of net worth and how to save (and invest!) money finally sunk in for me this year. I was on a paltry savings rate, content that I was contributing to my teacher pension plan for the last ten years (11% of gross income). Then I realized how much better I could be doing. This year I'm on track to max out 403b, 457b, Roth IRA, and put substantial money in a 529 and a taxable account after that. Target is a 75% savings rate. It wasn't even hard to do given my lifestyle preferences. I was just woefully in the dark about how and where to save and invest. Long live MMM and the FI blogosphere!

Dec 2018: ~420k (got married and combined finances; I married well)
Dec 2019: ~600k

2020 is looking unlikely to see returns like last year (putting it mildly), but we are still in accumulation mode, so we won't stress over stock market gyrations. Our income hit its peak in 2019, and our savings rate was over 70%. We plan to continue at the same rate for at least a couple more years. The FI number isn't set in stone for us, as we have various options on the table about where we live, taking a sabbatical, etc. I do think that if the economy enters recession territory, this will be an instructive time for those of us who are newer to investing. Since I've only had serious money in the market for a few years, I'm used to seeing the number go in one direction- UP, BY A LOT. Getting used to lower (possibly flat or negative) returns will be an important step in getting comfortable with long-term investing, ignoring the sort term swings and trusting our asset allocation. Although I've read enough to know that this is part of the process, it's another thing altogether to watch it happen to your own portfolio. If anything, this motivates me to save more and not get complacent.

bbqbonelesswing

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1227 on: March 07, 2020, 08:28:54 AM »
1/4/19: $46,197 NW
1/3/20: $89,902 NW

Increase: $43,705 or 95%

Let's go!

Dicey

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #1228 on: March 07, 2020, 09:09:36 AM »
Dec 2011: ~53k
Dec 2012: ~59k
Dec 2013: ~65k
Dec 2014: ~78k
Dec 2015: ~85k
Dec 2016: ~91k
Dec 2017: ~108k
Jan 2018: enter the Mustachian awakening
July 2018: ~145k

Thanks to MMM, the concept of net worth and how to save (and invest!) money finally sunk in for me this year. I was on a paltry savings rate, content that I was contributing to my teacher pension plan for the last ten years (11% of gross income). Then I realized how much better I could be doing. This year I'm on track to max out 403b, 457b, Roth IRA, and put substantial money in a 529 and a taxable account after that. Target is a 75% savings rate. It wasn't even hard to do given my lifestyle preferences. I was just woefully in the dark about how and where to save and invest. Long live MMM and the FI blogosphere!

Dec 2018: ~420k (got married and combined finances; I married well)
Dec 2019: ~600k

2020 is looking unlikely to see returns like last year (putting it mildly), but we are still in accumulation mode, so we won't stress over stock market gyrations. Our income hit its peak in 2019, and our savings rate was over 70%. We plan to continue at the same rate for at least a couple more years. The FI number isn't set in stone for us, as we have various options on the table about where we live, taking a sabbatical, etc. I do think that if the economy enters recession territory, this will be an instructive time for those of us who are newer to investing. Since I've only had serious money in the market for a few years, I'm used to seeing the number go in one direction- UP, BY A LOT. Getting used to lower (possibly flat or negative) returns will be an important step in getting comfortable with long-term investing, ignoring the sort term swings and trusting our asset allocation. Although I've read enough to know that this is part of the process, it's another thing altogether to watch it happen to your own portfolio. If anything, this motivates me to save more and not get complacent.
Shifting your focus to the number of shares owned solves this problem. When the market's down, shares accumulate faster. When the market rebounds, it's an incredible boost. #askmehowiknow

BTDretire

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1229 on: March 07, 2020, 01:43:57 PM »
We are retired, but still have college kid expenses of about $90k plus our living expenses, we still managed an increase of $110,000.
More than we ever earned while working!

SwordGuy

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1230 on: March 07, 2020, 03:23:01 PM »
Our net worth was up $181,232 for 2019.   Not bad for folks who aren't working for a living!

Net real estate gains based on Zillow values was $350.00.    The rest was the market.

As of 2/28/2020, the last time I checked, we were only up $96,345 since 12/31/2018.   

Also not bad for people who aren't working for a living!  :)

I suppose with the current market gains we're not up quite as much.   

Not particularly worried  since I just got a $24k a year raise by going on social security in January of 2020.

We're about to refinance our new house if we can get lower terms at a low closing cost.    We'll be selling off 3 houses this year which will drop our annual expenses by about $30,000, which is more than the raise we got this year by me going on social security.   

Not only that, but we expect to cut our mortgage balance by 50% to 75% this year, depending on how the house sales go.   We should have it paid off in 2 to 3 years which will drop our annual expenses by another $20,000.   Or, if the market drops big time we'll funnel those housing sale funds into the market and make even more money when the market rebounds.

Some of y'all used to make a bit of good-hearted fun at me for over-engineering our retirement plans.  :)   But this is why.   I just don't have to sweat about this stuff because I know we'll have enough for us and our mentally handicapped daughter regardless. 


marty998

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1231 on: March 22, 2020, 05:53:12 AM »
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).

G-dog

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1232 on: March 22, 2020, 06:14:22 AM »
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).

Maybe, but imagine where we would be if we hadnít been working on building our NW.  Watching somewhat theoretical numbers go up is nice, but now the rubber hits the road. We are playing the long game.  Stay safe @marty998

Dicey

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1233 on: March 22, 2020, 07:57:37 AM »
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).
Bwahahahahaha!   Ouch!

Zaga

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1234 on: March 22, 2020, 08:02:27 AM »
That's why I try to track how much I saved, not just the actual net worth increase.  We've had 2 years now with no increase, but we did invest nicely during those years.

TempusFugit

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1235 on: March 22, 2020, 12:38:16 PM »
+245K in CY 2019

As Ender noted above, the December correction (nearly a bear) makes this year's numbers look better than they would otherwise.  But I'll take it.



aaaand gone.   But you know that's actually comforting.  Easy come easy go, right? I'm down ~265K from peak (so far)and that's ok.  It's comforting because this was only a little over a year ago.  I certainly didn't feel 'poor' before I gained that 265K, so I don't feel poor now. I'm still pretty darn rich. 

EscapeVelocity2020

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1236 on: March 22, 2020, 01:52:22 PM »
+245K in CY 2019

As Ender noted above, the December correction (nearly a bear) makes this year's numbers look better than they would otherwise.  But I'll take it.
aaaand gone.   But you know that's actually comforting.  Easy come easy go, right? I'm down ~265K from peak (so far)and that's ok.  It's comforting because this was only a little over a year ago.  I certainly didn't feel 'poor' before I gained that 265K, so I don't feel poor now. I'm still pretty darn rich.

so apropos - https://youtu.be/-DT7bX-B1Mg

MissNancyPryor

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1237 on: March 22, 2020, 02:08:48 PM »
Another entry in the Going in the Wrong Direction Club, I am down quite a bit from the top but am glad to see I am still quite a lot ahead of where I was on January 1, 2019.  Using a time marker rather than money, I have slid back to the levels we were seeing during the May 2019 market pullback.  Holy shit, only back to May?  OK, that isn't so bad. 

As earnings reports come in April I hope that the market has baked in the bad stuff and there might even be a few surprises since 2/3 of the quarter was fine and it was mostly March that has bit the economic bone.   

As @TempusFugit suggests, this is actually a bit uplifting. 

marty998

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Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
« Reply #1238 on: March 22, 2020, 02:20:01 PM »
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).
Bwahahahahaha!   Ouch!

Eh - my net worth is only down 3% on account of some dumbshit lucky market timing. But if the property market tanks then I'll be joining in the party :)

ysette9

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1239 on: March 22, 2020, 09:31:56 PM »
We haven't updated the spreadsheet in a few weeks but it is looking like we are down $500k from our high water mark. oof.

OurTown

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1240 on: March 23, 2020, 10:12:28 AM »
Looks like about -$95,000.  So far.

Zaga

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1241 on: March 23, 2020, 10:14:59 AM »
-105K, that's bigger than our largest single year increase so far.  Have rebalanced twice.

Apple_Tango

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1242 on: March 23, 2020, 04:47:57 PM »
-$30,000 from the highest point! However, in my vanguard account, still over half of the value is just  gains made from 2009-present. Still a much better return than putting it under the mattress :)

OtherJen

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1243 on: March 23, 2020, 05:35:35 PM »
We were down $25K as of last Friday. I haven't wanted to look since. I actually started laughing when I opened Quicken because it just adds to the insanity of the current global situation.

soccerluvof4

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1244 on: March 24, 2020, 03:44:49 AM »
Down 467k from the highs as of this morning from the highs.

2Birds1Stone

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1245 on: March 24, 2020, 03:50:22 AM »
Down about $150k since mid February.....yikes! Thats 5 years of living expenses for our household.

DaMa

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1246 on: March 27, 2020, 07:23:44 AM »
Down $115k since 1/1/2020.  And I'm not worried.  This is the greatest feeling in the world.  Thank you MMM community!

MM_MG

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Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
« Reply #1247 on: March 29, 2020, 05:51:31 PM »
Calling the decrease already?   Haha!

This will be an interesting thread to watch this year.

No real reaction to the drop for us.  Feel bad for all those that recently retired, or were close to retiring and had not planned for this type of event.