Author Topic: Net worth decrease 2020 (i.e. the 'present' you give yourself)  (Read 250175 times)

YellowCat

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #550 on: December 28, 2016, 04:30:26 PM »
Turns out we had a pretty good year despite the massive money-letting that was the renovations to our new-to-us old house. This is our first home so we went from NW compromised of purely investments and cash to that plus home equity.

Our NW as of December 31, 2015 was $333,176.15 and current NW including home equity is $427,947.20 (+$94,771.05). This is impressive considering we spent just shy of $45k in closing costs and home improvements this year.

2016 NW breakdown
Cash and investments: $370,799.22
Home equity (purchase price - mortgage balance): $46,619.89
Cars (2): $10,528.09
Total: $427,947.20

Good news for 2017
- Annual husehold income has increased from $170,600 to $183,570 (+$12,970) due to my husband's recent promotion plus year-end increases for both of us. This doesn't include any bonus income we may see this year. Woo hoo!
- As of May 2016 my husband and I work in the same location and carpool to work most days. I'm looking forward to greatly reduced car usage and gas consumption now that we only have one home.
- All of the major renovation work in the house is finished, so we can get back to dumping serious cash into investments! We just have some small stuff left now...lawnmower, some paint, garden supplies, etc.
- We have no big spendy plans for 2017. We're talking about keeping our travel local and hosting my in-laws instead of traveling internationally to see them.

2017 NW Goal
Hit $500k NW (cash, investments, home equity) by my husband's 30th birthday in August, with a stretch goal of $550k by this time next year.

mpav

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #551 on: December 28, 2016, 08:31:06 PM »
First Post!
First year fully employed, saving 28% to 401k.
$9,700 to $58,500 net worth
I will be maxing out the 401k in future

MM_MG

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #552 on: December 28, 2016, 08:55:43 PM »
Have a few more days until 12/31/16 but here is the total of our Vanguard retirement accounts.   As I previously posted, this isn't net worth, but a fun little snapshot of our progress.

$51,225.09    12/31/05
$80,038.12    12/31/06
$106,744.13  12/31/07
$103,123.87  12/31/08
$162,172.69  12/31/09
$218,666.31  12/31/10
$249,987.31  12/31/11
$320,336.60  12/31/12
$435,649.50  12/31/13
$518,275.26  12/31/14
$593,962.10  12/31/15
$746,482.89  12/31/16

Pretty happy with a ~$153K increase this year! 

Edit: corrected for 12/31/16 numbers
« Last Edit: January 13, 2017, 09:13:51 PM by MM_MG »

Heckler

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #553 on: December 28, 2016, 10:36:48 PM »
Net savings rate 64%, increased investments value by $115,589 since Jan 1, 2016 - $17,000 ahead of plan!

Also paid off the mortgage after 13 years in a HCOL area in February, which really helped out in those investments.  Thanks MMM for not letting me buy a Porsche!


WerKater

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #554 on: December 30, 2016, 08:42:07 AM »
My target number for FIRE is currently 300 k.

My net worth:
2016-01-01   131.7 k
2016-12-30   170.2 k

That is an increase of 38.5 k or 29%. This makes it my financially best year ever (by a significant margin).
I earned about 36 k this year (after all taxes) from my job. So I could say that I would not actually have had to work this year :-)

SeattleStache

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #555 on: December 30, 2016, 09:27:35 AM »
January 2016: $177,235
December 2016: $269,089
+$91,854 NW for 2016. A good chunk of that (maybe $30k) is my condo's appreciation but sill not a bad increase for 12 months.
« Last Edit: January 03, 2017, 11:08:00 AM by SeattleStache »

SCUBAstache

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #556 on: December 30, 2016, 12:09:46 PM »
I went from ~$490k to $640k, so pretty happy with that +$150k increase! I don't expect that kind of increase again anytime soon, though.

Chaplin

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #557 on: December 30, 2016, 06:55:25 PM »
This is so neat! How did you make it?

Sorry, I hadn't been back to this thread in a bit. Gathering the data is the hard part. A few years ago I went through piles of folders with investment statements and recorded ending balances for each year in a spreadsheet. I was able to go back to about 2004 for some accounts, but have good numbers for everything since about 2007. I gradually added information about our mortgage balance and home value at the end of each year, then I added information our contributions so I could distinguish between market gains and new money. After several years of tinkering with the file, I happened to ask myself what has contributed to our net worth growth and I had the data to answer that question. Unfortunately, the short answer is "luck," but the long answer is a neat chart.

McStache

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #558 on: December 30, 2016, 08:50:44 PM »
2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734

I like this trend!  Though I think it will be more of a linear increase next year instead of this nice upward curve.

startingsmall

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #559 on: December 30, 2016, 09:07:09 PM »
38 years old, married with a 4 year old, only discovered MMM two years ago so still kind of new and amazed at my progress. First started tracking net worth in July 2015.

July 2015 - $132,045
December 31, 2015 - $169,554
December 30, 2016 - $248,939

2016 Net Worth Increase = $79,385

A decent bit of that is market gains and real estate appreciation, but given that our household income is only around $140k (which I consider high, but seems kind of low compared to many on here) I'm pretty pleased with our progress!!

Mormon Money Mustache

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #560 on: December 30, 2016, 10:08:54 PM »
2012 negative
2013 negative
2014 16k
2015 135k
2016 348k

55% savings rates for 2016
Wife and 4 kids and a couple major surgery/hospital bills

Hey It's Me

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #561 on: December 30, 2016, 11:08:50 PM »
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K (!)

Just broke 6 figures! :D

Zikoris

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #562 on: December 30, 2016, 11:23:06 PM »
Well, it looks like we cracked the 75K increase barrier - we finished the year with an increase of $75,121, from $169,220 to $244,341! Not bad on a combined income of only around 80K.

dividendsplease

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #563 on: December 31, 2016, 06:42:16 AM »
end of 2015: 27,013
end of 2016: 91,178


overwhelmed

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #564 on: December 31, 2016, 07:39:24 AM »
I started tracking in March 2016

Net Worth month end 3/16 -   $267,710.13
Net Worth month end 12/16 - $367,434.95

Single parent w/2 teenagers - I'll take it :)


Roots&Wings

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #565 on: December 31, 2016, 07:43:24 AM »
Fun way to close out the year, and to see compounding at work.

2012:  $219k  (salary $78k)
2013:  $315k  (salary $75k)
2014:  $420k  (salary $80k)
2015:  $475k  (salary $86k)
2016:  $601k  (salary $90k) - hit $500k in April

Financial goals: a paid off house + $1.3M stash to support a conservative 3% withdrawal rate via ~75% savings rate, 90/10 asset allocation.

Looking at 6-10 years out. Spent $20.5k in 2016. My FIRE budget ($36k) has a substantial cushion because of unknown health care costs, and other fluff that could be cut if necessary. To many here, this is irrationally conservative...and reckless to many Bogleheads :)

Onwards and enjoy!

aspiringnomad

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #566 on: December 31, 2016, 10:23:06 AM »
12/2015: 48% increase
12/2016: 32% increase

Less as a percentage of my stash, but the same $ number.


« Last Edit: January 13, 2017, 06:59:57 AM by dcmustachio »

Al1961

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #567 on: December 31, 2016, 03:37:19 PM »
I FIREd in mid 2014, DW FIREd at the end of November this year.

Net worth increase was $105,044, net of withdrawals.

Includes:
$12,012 increase in home equity from mortgage principal payments,
$16,804 in other savings
$111,738 increase in market value of investments
($18,706 35,510) net withdrawals to fund expenses. (2.1% WR)

Excludes:
Real estate market value adjustments, if any
Value of DB Pension and employee/employer pension contributions.

Looking forward to next year. Expenses should drop considerably as we simplify our housing situation (two houses currently) and move to a lower COL area.

Edit: Oops, missed some of DW's gains, and changed to net withdrawals.
« Last Edit: January 01, 2017, 08:31:22 PM by Al1961 »

Cherry Lane

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #568 on: December 31, 2016, 06:45:18 PM »
I'm up 13% in 2016, leaving me only $6k short of my "bare-bones" FI target and $206k short of "comfortable" FI.  Planning to RE in 15 months, when I expect to be somewhere in between those numbers.

pancakes

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #569 on: December 31, 2016, 08:11:24 PM »
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Nov 2016 $246k
Dec 2016 $256k

+ $61k feels great.

Half Stached

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #570 on: December 31, 2016, 08:21:49 PM »
We're up 31%: from 820K to 1.08M. We saved 186K and saw passive gains of 73K. This worked out to a return of about 7.5% on the year, which lagged the VTSAX by about 3% due to one bad investment. Overall, reasonably happy with the progress as we estimated a year ago to be at 1.03M now.

plainjane

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #571 on: December 31, 2016, 08:34:52 PM »
Invested assets increased by 25% (more than my pre-tax salary).
Paid off the house.

jengod

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #572 on: December 31, 2016, 10:40:36 PM »
We haven't recorded this annually, but this thread inspired me to check our general "household finances" spreadsheet, and I discovered I "mislaid" six figures because I accidentally shorted a sum by one row. So that sure looked like a nice jump in addition to be *being* a nice jump.

soccerluvof4

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #573 on: January 01, 2017, 06:21:38 AM »
+198k . Good Year!

stacheasaurus

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #574 on: January 01, 2017, 09:21:13 AM »
December 2015: 2.6k
December 2016: 31.1k

+28.1k!
Savings rate: 43%!

NinetyFour

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #575 on: January 01, 2017, 09:54:15 AM »
My NW increased by 24% this year.

Nice work, everyone!  Hope 2017 is a great year in every way!

letired

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Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
« Reply #576 on: January 01, 2017, 06:35:43 PM »
Oh man, this thread is really a kick in the pants! I'm up a paltry 12%, partially due to a lack of focus and partially due to shifting a lot of things around to purchase a house.

Here's to 2016 being much more focused!

Revisiting the 2015 numbers, turns out I shorted myself a percent. That said, I did much better this year with a NW increase of 21.7%!

del84

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #577 on: January 01, 2017, 06:51:56 PM »
Dec 2015: $1,025,000
Dec 2016: $1,127,000

+$102,000
9.95% increase

Wile E. Coyote

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #578 on: January 01, 2017, 09:38:23 PM »
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Hey It's Me

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #579 on: January 01, 2017, 10:09:08 PM »
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

WOW! Congrats!

marty998

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #580 on: January 01, 2017, 10:37:09 PM »
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Even if it is inflated, there has to be some substance behind it... if that's the market, then that's the market.

If shares were trading at ridiculously high P/E ratios would you discount the value? Or would you take the market price as fair value?

(Congrats regardless, phenomenal effort)

Faramir

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #581 on: January 02, 2017, 12:44:24 AM »
Household combined figures converted to US$

end 2012: $130K
end 2013: $221K   +$91K on combined salaries totaling $76K
end 2014: $318K   +$97K on combined salaries totaling $80K
end 2015: $362K   +$44K on combined salaries totaling $80K 
end 2016: $486K   +124K on combined salaries totaling $85K   

Sailor Sam

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #582 on: January 02, 2017, 01:41:57 AM »
I want to play!

31 Dec 2010: $85,203
31 Dec 2011: $106,303   (Δ $21,100)
31 Dec 2012: $144,111   (Δ $37,808)
31 Dec 2013: $212,510   (Δ $68,399)
31 Dec 2014: $264,836   (Δ $52,326)
31 Dec 2015: $299,579   (Δ $34,743)
31 Dec 2016: $371,611   (Δ $72,032)


FrugalByChance

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #583 on: January 02, 2017, 04:57:15 AM »
Net Worth:
1 Jan 2016: 269 365.45   ( USD 282 402.74)
31 Dec 2016: 299 761.46   ( USD 314 191.98)

Growth: 30 396.01 ( USD 31 862.62)

ER Stash
1 Jan 2016: 58 970.75   ( USD 61 821.99)
31 Dec 2016: 84 056.56   ( USD 88 112.29)

Growth: 25 085.81  ( USD 26 296.20)

Apples

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #584 on: January 02, 2017, 07:02:48 AM »

December 2013:  $43,800
December 2014:  $70,200
December 2015:  $107,700

Goal for next year:  $150,000 if we stretch for it.

December 2016:  $153,950  Woohoo!  We hit our stretch goal and then some!  And it felt like we were spending well above our budget, but actually stayed a bit under once the year was done.  Net worth went up 43% with a 46% savings rate (lower than the previous year) and a 10% increase in take-home pay, all due to my DH getting awesome, deserved raises.  Goal of $200,000 by the end of 2017 with a stretch goal of $210,000.

Gunny

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #585 on: January 02, 2017, 07:19:19 AM »
We are up 9% in our portfolio based on compounded growth only.  No additional contributions as we are FIREd.  We are down 10% in our cash account due to a lot of travel in 2016.  But this was a planned draw down.

NorCal

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #586 on: January 02, 2017, 08:17:10 AM »
12/31/ 2015: $769K
12/31/2016: $1,063K

Total Increase: $294K

2017 Probably won't be as good.  2016 included an incredibly generous bonus for my wife, as well as unintended over-withholding on taxes of about $10K.  It was also a pretty good year for market appreciation.


Vertical Mode

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #587 on: January 02, 2017, 09:28:13 AM »
I track mine quarterly, so at the close of:

Q4 2015: $99.5k
Q4 2016: $146.5k

My own contributions still propel this steamship forward mostly, but the tailwind of dividends and growth is picking up!

jorjor

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #588 on: January 02, 2017, 11:21:27 AM »
12/31/2014: $132,000
12/31/2015: $257,000
12/31/2016: $403,000

It was a good year.

jmuth

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #589 on: January 02, 2017, 02:46:50 PM »
Happy New Year All! 

31 DEC 2016 - 562k for a grand total of 100k!  Good year for the market, plus about a 50% pre-tax savings rate. 
31 DEC 2015 - 462k
31 DEC 2014 - 395k
31 DEC 2013 - 330k
31 DEC 2012 - 244k


Etlav5

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #590 on: January 02, 2017, 03:47:03 PM »
Love this thread

dec 2015: - 36k
dec 2016: - 17 k


Just started to have a salary a little more than a year ago. (approx. 40 000$ net). The remaining dept is a student loan that is free of interest for the next 3.5 years (until I finish my residency) so i will be starting to invest in 2017.
Objective for 2017: 0 net worth !

TheFirstMan

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Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
« Reply #591 on: January 02, 2017, 06:34:10 PM »
Just found this thread! I found MMM in mid-2014, but I have been on the right track for a long time.

- Net worth up 219K, from 200K to 419K, 110%!
- Assets up 204K, from 350K to 554K, up 58%!
- Investments up 84K, from 183 to 267, 46%!
- Debt down 11K to 140K, down 7%!
- Income on the year: 80K (not counting auto deposits to 403Bs, I think)

Income in 2016: 92K in pocket, 36K in 403Bs, plus taxes and other deductions, so about 135K total.

2016 results:

The major factor in 2016 was drawing about 50K of home equity out and spending 52K on major improvements to our home...

- Net worth up from 419K to 440K, up 5%

- Assets up 86K, from 554K to 640K, up 15%! (Home equity up about 35K)

- Investments and liquid assets up 95K, from 267K to 362K, 36%!

- Debt up 60K, from 140K to 200K, which is 43%


« Last Edit: January 02, 2017, 06:37:26 PM by TheFirstMan »

Wile E. Coyote

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #592 on: January 02, 2017, 07:03:39 PM »
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Even if it is inflated, there has to be some substance behind it... if that's the market, then that's the market.

If shares were trading at ridiculously high P/E ratios would you discount the value? Or would you take the market price as fair value?

(Congrats regardless, phenomenal effort)

Thanks!  I do think the real estate has gone up in value, but 35% in one year seems a bit high.  I would say it is about half of that.  I pay pretty close attention to what is going on in my town, and I am fairly certain that it would not sell for what Zillow thinks it would.  It's all just theoretical since we don't plan on selling any time soon.

LWTG

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #593 on: January 02, 2017, 08:34:01 PM »
Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

Pretty pumped that my 2016 efforts exceeded the previous 3 years combined :)


SingleMomDebt

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #594 on: January 02, 2017, 08:58:02 PM »
Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

Pretty pumped that my 2016 efforts exceeded the previous 3 years combined :)

Nice job on the debt reduction LWTG!

NinetyFour

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #595 on: January 02, 2017, 09:10:29 PM »
Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

Pretty pumped that my 2016 efforts exceeded the previous 3 years combined :)

Nice job on the debt reduction LWTG!

+100!  That is excellent!

Polish_Hammer

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #596 on: January 02, 2017, 09:19:33 PM »
2015 yr end 885,632
2016 yr end 1,050,182

Increase of 164,550. (Best ever)

mbk

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #597 on: January 02, 2017, 10:02:46 PM »
Very impressive numbers all around.

We started the year with ~147k. Ended with anywhere between 200-224k depending on the hypothetical sale value of some real estate.

tarheeldan

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #598 on: January 03, 2017, 05:33:45 AM »
Congrats all!

My net worth ended up $41k higher on gross earnings of $71k. Great year!

boarder42

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #599 on: January 03, 2017, 07:37:14 AM »
NW was up almost 200k and investmented NW was up around 150k.