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General Discussion => Share Your Badassity => Topic started by: marty998 on December 23, 2014, 01:55:53 PM

Title: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2014, 01:55:53 PM
Come on guys and gals, spill the beans. How well did you do this year.

I started at around $419k and will end at about $534k. An increase of ~115k to the bucket.

Pretty good year :D though I actually had a bigger 2013 due to some higher shares and property value gains.

2012 - $295k
2013 - $419k
2014 - $534k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Angie55 on December 23, 2014, 02:15:05 PM
We started at 63.7k and expect to end at 147.5k. That's an increase of 83.8k. I have no idea how that was possible but that's what the numbers say.

This is huge for us since DH was unemployed from April to October and his "severance" was only 2 weeks paid. Also, we had negative net worth Jan 2013! (-26.8k to be exact).

I'm looking forward to 2015 where we will hopefully have two incomes all year again.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mxt0133 on December 23, 2014, 02:20:54 PM
2013 - $419k
2014 - $534k

These numbers are really close to my families numbers.  All contributions and investment gains, not property appreciation however.

It was a good year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: FIreDrill on December 23, 2014, 03:40:46 PM
This years numbers aren't final yet so they could fluctuate by a couple thousand. 


Here is my best guess as to where we will end the year according to Personal Capital.

2013 - $55k
2014 - $115k (Estimate)


NW jumped about 60k this year and we saved around 50-55% of our income.  Shooting for more next year!


SS
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sol on December 23, 2014, 03:57:24 PM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.

Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts. It's easy to preach the joys of investing during a historic bull.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mxt0133 on December 23, 2014, 04:11:33 PM
To me investing is just one part of his message.  If the economy were to tank and investments took a nose dive I think his message on minimizing expenses and not tying one's happiness with stuff would still be a powerful message.

But time will tell and we'll have to wait until the next financial crisis. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ltt on December 23, 2014, 04:29:01 PM
I don't know, but it was fairly substantial.  I will say, though, we made $17k in the form of dividend income, ST & LT cap gains.  This is the highest we have ever made.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RWD on December 23, 2014, 04:34:34 PM
We're up over 80% compared to last year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: yoga mama on December 23, 2014, 04:50:19 PM
When I discovered MMM in August, we were probably a few thousand negative... now we've made some good choices and according to Mint we are +$125K!!  Hoping to double that or more by next year!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on December 23, 2014, 05:49:01 PM
11/30/13: $468K
11/30/14: $605K
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: gecko10x on December 23, 2014, 06:03:40 PM
We are up 47% in 2014, after being up 50% in 2013.

Good year!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: plantingourpennies on December 23, 2014, 06:27:25 PM
Final numbers are not in, but it looks like we'll be up by about 198k this year, moving from 616k to 815. Numbers are for November time frame because December ain't over.


Balance sheet November 2014- http://www.plantingourpennies.com/pop-balance-sheet-november-2014/

Balance sheet November 2013- http://www.plantingourpennies.com/pop-balance-sheet-november-2013/

This has been a tremendous 5 years for accumulating wealth.

(ninja edit to fix link)

================================================

2015 Edit-

Balance sheet November 2015-http://www.plantingourpennies.com/pop-balance-sheet-november-2015/

We're up from 815 to 950, so maybe a 130k increase for 2015. Getting to FI seems predictable but the road is getting slightly boring at this point.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on December 23, 2014, 06:55:57 PM
I little over 200k over the last 12 months.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 23, 2014, 07:01:53 PM
2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Gin1984 on December 23, 2014, 07:13:47 PM
Started with $16462, am at $26316.  Almost $10,000, pretty decent. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RWD on December 23, 2014, 07:23:28 PM
2010: $615k
2009: $183k

That's a huge jump there. What happened?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 23, 2014, 07:32:22 PM
2010: $615k
2009: $183k

That's a huge jump there. What happened?

Revaluation of shares in an unlisted company (my employer). Really hard to get an accurate value on private companies due to being so illiquid.  The company was bought out by a listed group earlier this year - my carrying value was pretty close to my share of the acautl sale price. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 23, 2014, 07:38:51 PM
12/31/13:  $348,675
12/24/14:  $476,182

Increase, so far, of $127,507.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MsFrugalista on December 23, 2014, 09:45:12 PM
2009: $100K
2010: $152K
2011: $208K
2012: $298K
2013: $445K
2014: $705K (as of 12/23/14)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Elliot on December 23, 2014, 09:53:25 PM
2012: -35k (estimate)
2013: -2k
2014: 32k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MrMathMustache on December 24, 2014, 04:05:12 AM
Making steady progress on a teacher's salary, and my real estate purchase in 2006 has actually held my net worth down.

2014: $422k
2013: $342
2012: $275
2011: $222
2010: $183
2009: $133
2008: $80
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mancityfan on December 24, 2014, 04:43:12 AM
2013 790k
2014 1360k

80% of our gains were due to 2 inheritances that we recieved this year after the death of two parents, So bittersweet indeed.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: europe on December 24, 2014, 06:37:04 AM
Wow, unbelievable how you guys are increasing your net-worth year by year...

12/2012: 0 (figures in Euro)
12/2013: 26.000
12/2014: 73.000

I hope, that I could hit the 100k mark by 12/2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 24, 2014, 06:59:35 AM
2012 - $219k
2013 - $315k
2014 - $418k as of today

Have been saving just over 80% of my income the past two years and it's making a big difference!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nate R on December 24, 2014, 07:01:20 AM
2012: -35k (estimate)
2013: -2k
2014: 32k

Congrats! Positive and climbing faster! :-)




For me:
Jan 2013: 5.9K
Jan 2014: 26K
Jan 2015: 42K  <--- Bought a $20K Car in February with a loan, and some other junk this year before I REALLY came to my financial senses in June. (Thanks, YNAB!)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Kansas Beachbum on December 24, 2014, 07:08:57 AM
We ended '13 with NW of ~$1.1M, will end this year at over $1.3M...a roughly 20% increase.  About $80K of that was additional savings, the rest increase in value of investments.  Numbers do not include ~$200K in PV of our pension annuities...which we hope to get as a lump sum from our former employer at some point...I'd rather manage those funds myself than leave them with a pension fund.  We'll see what happens with that. 

What ever holiday you celebrate, I hope it's wonderful!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MNM on December 24, 2014, 09:12:08 AM
Slow & steady.  2015 will give me the chance to save a lot more money and pay off the last 10k of my student loans.

Dec. 2012: 149,000
Dec. 2013: 228,000
Dec. 2014: 287,000

Discovered MMM in March of 2013, when the retirement balance was 164,000.  Up 123k since then.  Feels great. 

Age 42, and expect to reach FI sometime around age 50.  Wowza.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: trailrated on December 24, 2014, 09:34:29 AM
Guestimate without looking at Quicken

2013: 8k
2014: 72k

Raise, giant bonus, and a bit of a windfall, and awesome returns.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Elliot on December 24, 2014, 10:14:37 AM
2012: -35k (estimate)
2013: -2k
2014: 32k

Congrats! Positive and climbing faster! :-)




For me:
Jan 2013: 5.9K
Jan 2014: 26K
Jan 2015: 42K  <--- Bought a $20K Car in February with a loan, and some other junk this year before I REALLY came to my financial senses in June. (Thanks, YNAB!)

You'll have that loan decimated in no time!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sheepstache on December 24, 2014, 11:34:53 AM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.

Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts. It's easy to preach the joys of investing during a historic bull.

Ha ha, I've thought that as well. Wish I'd known about it in 2009.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Calvawt on December 24, 2014, 11:47:48 AM
Impressive results!  We started at $330k and should be at $430k at year end.  $100k increase or about 30%.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Abe on December 24, 2014, 01:35:08 PM
Jan 2010 (first part time job): $5k
Jan 2011 ($50k salary): $30k
Jan 2012 (wife started working): $45k
Jan 2013 : $76k
Jan 2014: $123k
current: $172k (saved my entire salary!)

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 24, 2014, 01:58:32 PM
Dec 2013 - $210K
Dec 2014 - $327K

So 117K increase.  Getting there.  Made 94K in retirement contributions this year (17.5K for wife's 457, 25.1K for 2013 solo-401K, 40.4 for 2014 solo-401K, 11K for 2 Roth IRAs).  Kicking ass and taking names on that front.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Middlesbrough on December 24, 2014, 02:37:51 PM
May 2013 -15k (graduated college)
Dec. 2013 -3k
Dec. 2014 24k

27k for the year. Not to shabby. It feels good to be positive again since going to college about 5 years ago.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mbk on December 24, 2014, 05:23:34 PM
Wow! Very impressive numbers by everyone.

In my case,
2013 =  38k
2014 ~ 121k

An increase of roughly 83k for us this year. A combination of savings, market gains and real-estate gains. Still lot of potential in increasing the savings rate and hoping to do it in 2015.

 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Downtown on December 24, 2014, 05:57:13 PM
Increase of $236k - It was a great year!

Congrats to everyone on steady progress toward your goals!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Primm on December 24, 2014, 07:59:21 PM
I know it's selection bias, because the people that post here have made gains, and fairly substantial ones at that. Still it's awesome to see all the good work.

I'll throw my hat in the ring.

Jan '14: $68,837.56

Dec '14: $144,742.36

That's a gain of $75,904.80, or 110% if my schoolyard maths works correctly. :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: lhamo on December 24, 2014, 11:14:35 PM
Our networth actually dropped this year -- right now down about $35k compared to the end of the year last year.  But that is due to our apartment value having dropped about $140k since last year (more since the peak in May this year).  Our savings/investments are actually up about $95k, which isn't too shabby considering we only put about 1/3 of that amount in in new investment money.   We are now seeing real momentum in terms of compounded earnings on our investments. 

Passed $1mill in investible assets this year, which was a nice milestone to hit.  In 2015 we should hit $1mill in retirement accounts.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: B L I S S on December 25, 2014, 06:28:57 AM
I'm 23 years old.

Beginning of 2014: -$15K
June 2014: -$21K
December 25, 2014: $-2K


This summer I had to take loans on to "survive," but after January 2014 I should hopefully never be negative again. Things are looking up.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 25, 2014, 07:51:41 AM
Beginning of the year: ~19k
July 14th (last day before first paycheck after being unemployed): ~7k (value of my car)
End of 2014: ~25k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 25, 2014, 10:43:35 AM
Wen't from about $1.2M to 1.45M as of yesterday (paid off house not included in these numbers)

Frank
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Datastache on December 25, 2014, 12:05:01 PM
I'm up to about $20k now, from around $13k at the start of the year - about a 50% increase. Not particularly impressive by comparison to many of you, but I'm glad the trend is at least in the right direction (and accelerating). I'm planning on paying off my auto loan early, which will render me completely debt-free and save me a few hundred dollars' worth of interest. I'd like to at least hit $30k by this time next year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: plantingourpennies on December 25, 2014, 12:26:19 PM
I'm up to about $20k now, from around $13k at the start of the year - about a 50% increase. Not particularly impressive by comparison to many of you, but I'm glad the trend is at least in the right direction (and accelerating). I'm planning on paying off my auto loan early, which will render me completely debt-free and save me a few hundred dollars' worth of interest. I'd like to at least hit $30k by this time next year.

No shame in your game. Trust me, the first 30k is the hardest!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 25, 2014, 12:57:26 PM
JAN 2014 - $364k (owned a truck, a garage full of "stuff," investments were fairly conservative and spread across 30 high fee funds. And half that $364k was cash!
DEC 2014 - $458k (sold truck, sold stuff, started Roth IRA for DW, got into Vanguard with a much more aggressive AA, deployed and came close to maxing the extended TSP limit)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 25, 2014, 02:37:35 PM
I'm up to about $20k now, from around $13k at the start of the year - about a 50% increase. Not particularly impressive by comparison to many of you, but I'm glad the trend is at least in the right direction (and accelerating). I'm planning on paying off my auto loan early, which will render me completely debt-free and save me a few hundred dollars' worth of interest. I'd like to at least hit $30k by this time next year.

No shame in your game. Trust me, the first 30k is the hardest!

Amen to that.. remember ALL of us started at less than zero at one point.. and not so long ago in my case!

Frank
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: kpd905 on December 25, 2014, 04:15:57 PM
Started at -$38k and should end at roughly +$24k.  For a $62k increase.  Lots of student loan payments accounted for that increase.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: valk001 on December 25, 2014, 05:04:50 PM
It is awesome to see everyones progress, Hell yea!

Here is mine:
Dec 2012- $3,534
Dec 2013- $34,033
Dec 2014- $88,493

Cheers,
Valk0011
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: chasesfish on December 25, 2014, 05:23:33 PM

2011:  $323k
2012:  $470k
2013:  $716k
2014:  $898k

45%, 52%, and 24% over the past three years.   We were fortunate to pull off a really high savings rate in 2011, 2012, and 2013 combined with being almost fully invested in equities.   I see the countdown to $1mil going a whole lot slower
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Bikesy on December 26, 2014, 06:04:56 AM
2013: 44k
2014: 105k

I'm happy.  Income increased by 50% in July so next year should be better!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: johnsmithindustries on December 26, 2014, 07:47:18 PM
2011: -$22k
2012:  $10k
2013:  $46k
2014: $108k

Broke six figures, which was my goal for 2014.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 26, 2014, 08:10:36 PM
May 2013 -15k (graduated college)
Dec. 2013 -3k
Dec. 2014 24k

27k for the year. Not to shabby. It feels good to be positive again since going to college about 5 years ago.
Yay, someone else with similar figures to me!

23, single, started fulltime work as a teacher after 5yrs of uni at the end of 2013.

2013: -15k (25k of student loans/HECS)
2014: +16k (still 23k of student loan/HECS lol)

Gain of 31k :D
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: LivingTheory on December 26, 2014, 08:12:06 PM
You guys are rock stars! Very inspirational.

2010: ($18,000) [Student Loans]
2011: $25,000 [Got Married]
2012: $41,000
2013: $62,000 [Graduated - UCF]
2014: $108,000 [DW Graduated - UCF]

2015 will be our first full year as DINKs. Looking to max an HSA as well as both of our 401(k)'s and IRA's. Taking a hiking trip to CO might derail these plans slightly.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: tlsv on December 26, 2014, 08:51:49 PM
Increase in investments only...we also have a fully paid home worth approx. $500k

2011 - $222,825
2012 - $314,917
2013 - $448,196
2014 - $606,251
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: robotclown on December 27, 2014, 12:36:21 AM
Jan 2010:   -6000
Jan 2011:          0   
Jan 2012:  14000
Jan 2013:  34000
Jan 2014:  56000
Jan 2015:  91000

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: BlueMR2 on December 27, 2014, 07:35:23 AM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.

Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts. It's easy to preach the joys of investing during a historic bull.

I don't have my final numbers together, but it was a much better year than 2013.  My wife was able to finally find some part time work (not much, but being some place earning money is positive compared to being home consuming money).  We were able to cut expenses more despite some totally off the wall unexpected expenses.  The market is doing well (although, I'm happy either way while working since I'm either making money or buying in cheap).

The downside is that since things *have* gone so well, I don't trust the math as much...  Sure, it *says* I should be solidly able to retire in 2 more (of our old average) years, but...

The good news portion though is that I do still really like my work, so I don't have any plans on retiring right quick.  It's kind of a good feeling knowing that if my job goes away that we should be OK even if we never manage to find work again.  Which seems like a possibility as I know skilled people in my field that have been out of work for 5 years plus now.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: KMMK on December 27, 2014, 09:55:33 AM
I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 27, 2014, 10:21:59 AM
I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.
Is there a lump-sum payout option?  If so, can his work provide a "what if I quit today" and give you the lump-sum he would receive?  If so, that's the number I would use.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: rob in cal on December 27, 2014, 10:55:58 AM
   At the end of 2013 non real estate assets about 330k.
   At the end of 2014 non real estate assets about 385k.
   Much of the growth triggered by passive income, either from a loan repayment that I'm getting, business ownership income, or overall equities growth. 

   Home value probably went from 325 to 340k.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Shamantha on December 27, 2014, 11:03:16 AM
Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Glenstache on December 27, 2014, 11:26:59 AM
This is an inspiring thread both for seeing the people on the early parts of the curve making it happen and those that are close to reaching their goals. I bumped up about 21% this year, the lions share of which was aggressively paying down a 6% note on property (saved a lot by not going through a bank, with the associated fees would not make sense to refi as it is now so close to being paid down).

A more satisfying number for me is that the $ increase amount was roughly 3x my 2014 expenses (excluding note payments).
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Maxsc2003 on December 27, 2014, 01:53:04 PM
8/2010 - $(16)K
12/2010 - $9K
12/2011 - $50K
12/2012 - $118K
12/2013 - $210K
12/2014 - $372K
Good progress so far, only 29...looking to be over $1M in 3 yrs by 32. $40K more when adding DW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: KMMK on December 27, 2014, 03:11:38 PM
I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.
Is there a lump-sum payout option?  If so, can his work provide a "what if I quit today" and give you the lump-sum he would receive?  If so, that's the number I would use.

Yes, I believe there is. But he'd have to talk to HR or whoever about it, and I don't think I could get him to do so as it's not a priority right now as we're still a decade or more away from retirement. We keep our retirement planning separate so I stay out of his stuff for the most part - no nagging just for my anal tracking purposes. His numbers just stay a little vaguer than mine.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 27, 2014, 09:29:39 PM
2013 : 1040945 Investments

2014:  1202000 Investments

Net:  161055 Investments

Debt 3013:  25000

Debt 2014:  0

Real estate:  400000 paid off no increase in value known
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Unique User on December 28, 2014, 12:45:16 PM
Would doubt any real estate gains, but went from $747k last year to $874k this year.  Nice to see the numbers continue to go up!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bwall on December 28, 2014, 12:58:48 PM
Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!

Why do you see any chance for figures like this? In the NL you can live easily without a car--no depreciation, no insurance, no gasoline which means huge savings. Also, rents are lower, I think.

The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: savedough on December 29, 2014, 10:32:54 AM
I do not include personal property (cars) in my net worth calculations and have not adjusted our home value from the purchase price since 2011 because it is the amount guaranteed if I get relocated - though the market shows we should expect a value increase. 

That being said, we are +88K this year over 2013. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 29, 2014, 11:08:49 AM
2013: ~153k
2014: ~253k
House value not included.
Found mmm in January. Was a pretty damn good year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: gskong on December 29, 2014, 02:19:12 PM
Dec 2011 $407,757.07
Dec 2012 $530,002.13
Dec 2013 $722,921.34
12/27/14 $1,002,104.27

Hit the $1M milestone on 12/27/14.  Wife and I celebrated at the local Thai hole-in-the-wall.  Good times.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 29, 2014, 02:40:35 PM
CONGRATS!!!!!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on December 29, 2014, 02:48:10 PM
This is an extremely rough estimate because I've only just started (ie this year) to track things from a holistic perspective:

Early 2011: ~75k
Early 2012: <100k
Early 2013: ~160k
Early 2014: ~200k
Now: 230k

Best increase was '12 to '13. It looks like a deployment basically doubles my savings rate. However, this year was impressive because it included paying for a wedding and several expensive trips (some were not optional).
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: frizzywhiskers on December 29, 2014, 02:59:08 PM
Things are coming along nicely......

2012 - $457,388
2013 - $560,203
2014 - $637,679

Not too shabby considering we moved into a new home in 2013 and had lots of extra costs related to that.

Onward to 2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: wild wendella on December 29, 2014, 03:27:07 PM
The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.

Also, there are plenty of people who don't really want to post their financial numbers online.  But for those who do,  there are some inspirational stories here.  Thanks!

Our NW showed a modest increase of 17.16% for the year, but the real win was paying off my revolving credit card debt.  So now I'm one step closer to being mustachian!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: HappyMargo on December 30, 2014, 04:58:33 AM
2012 = 100,875
2013 = 148,175
2014 = 218,925

2014 was a good year!
-got a new job with a 36% increase in pay.
-opened my first Vanguard account!  YAY!!
-put my frugal muscles to work mid-way thru 2014  & flexed to the tune of 64% saving rate.  Should've done that the full year!
-Hope to bump my savings rate up to 70-72% over 2015.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: alex trebeck's mustache on December 30, 2014, 06:31:20 AM
Age 32, Married, First kid on the way

2012: $74k
2013: $157k
2014: $289k

We had a great year. Networth IQ is a great place to track this sort of thing. Here is my profile:

https://www.networthiq.com/people/atl_programmer

That big bump is from selling some private company stock.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Kansas Beachbum on December 30, 2014, 08:07:56 AM
Dec 2011 $407,757.07
Dec 2012 $530,002.13
Dec 2013 $722,921.34
12/27/14 $1,002,104.27

Hit the $1M milestone on 12/27/14.  Wife and I celebrated at the local Thai hole-in-the-wall.  Good times.

Congrats on getting your second comma!  Well done!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: jesstach on December 30, 2014, 10:06:41 AM
Dec. 2012: -$4,000
Dec. 2013: $30,088 (discovered MMM August 2013)
Dec. 2014: $78,064
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: BriarRose111 on December 30, 2014, 10:29:40 AM
Not entirely happy with the past year's net worth increase.  Last year (2013) has been my best yet.  2015 is going to be much better.   I claim my daughter (and thusly also head of household) every other year, and have started adjusting my withholdings to minimize my refund, investing the extra money throughout the year instead.  That is part of the reason for the high increase in 2013.  I also switched jobs this year, and so am not vested in my 401K match yet.

Here's my results:

Year End Net Worth      Increase
2014   $307,837.29   $31,960.66
2013   $275,876.63   $71,950.08
2012   $203,926.55   $49,937.80
2011   $153,988.75   $29,848.12
2010   $124,140.63   $44,556.50

Kim
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sheepstache on December 30, 2014, 05:15:34 PM
2012 $83,000
2013 $130,000
2014 $182,000

I kind of can't deal with my net worth more than doubling in two years. I only sock away about $26,000 a year so this is almost entirely the stock market's huge run up.

I actually worry now that when growth is more reasonable I'll get depressed and lose motivation.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 30, 2014, 08:27:54 PM
I am at 330K.  My numbers for this year so far:

$14,200 debt -- paid off (the debt was a car loan and a 401K loan -- now I only owe my mortgage)
$30,000 in two 529 plans, funded
$16,000 in 401K plan, funded (I need to catch up to the full $17,500, and will asap -- just miscalculated re bonuses)
$17,000 in 401K plan, matched by employer (they give a full 10% match, but not on bonuses)
$10,000 in mortgage principal, paid off (I paid the regular amortization plus $100 or more toward principal each month)
$5600 HSA funded (older son's braces are now paid off, baby!)
$4000 employee stock purchase program (for every 85 shares I buy, employer gives me 15)

Not bad for a goddamned single mother.

Well done! Kudos to you
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on December 30, 2014, 10:15:10 PM
Really has taken off during this bull market for most, eh?

It can't continue because everyone would be multi millionaires at the current levels of market returns.

15% a year for 10 years is 4x your money.  If you have a portfolio today of $1mil at age 40 you would have $4mil at age 50 with no more contributions.  Not going to happen IMO.  If it does happen, expect class warfare from those who are not invested in the markets.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ShoulderThingThatGoesUp on December 31, 2014, 06:39:05 AM
Not much of a change because we put some money into making 2015 a banner year - bought a smaller house that we're putting some fixes in to, etc.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on December 31, 2014, 08:32:29 AM
If I'm just looking at my investment accounts (no house or checking/savings accts.), here's my end of year numbers:
2012: 1.4k
2013: 16.3k
2014: 17.0k

No much of an increase this year in that regard...but I did take out some money to buy a house. So if I include all my assets:
2012: 19.5k
2013: 41.8k
2014: 57.0k

Looks a bit better. Hopefully I'll breach 80k of total assets by the end of 2015. 100k by end of 2016.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: frugalJD on December 31, 2014, 03:12:19 PM
Great thread.... Always encouraged by the progress and success of others here.....

Here's our figures, including value of our home (purchased in 2012). 

Oct 2010: -$9k   
Dec 2012: $80k
Dec 2013: $209k
Dec 2014: $323k

-JD
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: BriarRose111 on December 31, 2014, 06:34:47 PM
Wow! That's a huge jump from 2013's year end to this year's.  Nice work!

2009: $100K
2010: $152K
2011: $208K
2012: $298K
2013: $445K
2014: $705K (as of 12/23/14)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on December 31, 2014, 07:31:26 PM
My 2014 net worth increase is equal to my gross annual pay.  Does that mean I lived off gains in my investments?

If so, "Hello, FI.  Nice to meet you!"
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: lhamo on December 31, 2014, 07:35:29 PM
Edited to reflect addition of DH's retirement account dividend/cap gains reinvestment, which finally posted.

Our networth actually dropped this year -- right now down about $35k compared to the end of the year last year.  But that is due to our apartment value having dropped about $140k since last year (more since the peak in May this year).  Our savings/investments are actually up about $95k, which isn't too shabby considering we only put about 1/3 of that amount in in new investment money.   We are now seeing real momentum in terms of compounded earnings on our investments. 

Passed $1mill in investible assets this year, which was a nice milestone to hit.  In 2015 we should hit $1mill in retirement accounts.

Not sure what happened with the market today -- kind of disappointing, but I'm trying to look at the drop in our stock values as a good thing as the final installment on our retirement savings for 2014 will be purchased as a discount.  Beijing property values also went down again, but that means more room for recovery in 2015.

DH's retirement account posted a nearly 12k cap gains/dividend distribution!  Of course the ex dividend price drop means that doesn't impact our net worth directly, but having the extra shares (nearly 1000 of them!) will be good over the long term.

Overall we had about 21k in dividends/cap gains in our retirement accounts just in December.  And we aren't even deliberately focusing on funds that return dividends. 

Final numbers:

Net worth down $46853.28, all due to declines in our property value

Investments up $96660.93, with about $35k of that being our contributions to retirement and college accounts.

Not posting net worth figures as if I did no one would ever listen to my whining about my job woes again.  Suffice it to say we have enough to be FIREd should we make different lifestyle choices, namely selling apartment, quitting current jobs and leaving Beijing.  Not at the point where DH is ready to do that yet.  Maybe by the end of 2015....
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Frankies Girl on December 31, 2014, 08:16:35 PM

Yeah, I was disappointed by the downturn today too. I would have been fine with it in January, just hated ending the year on a downer.

My net worth (just investments/cash holdings) increased $151K. It wasn't all market growth; sold my dad's house and my cut of profit was $43K, so total investment growth was just under $110K, but that is wonderful and I'm quite pleased overall.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 31, 2014, 08:53:00 PM
I was a bit disappointed today as well, but the good news is that I deferred all but 99 cents of my December paycheck ($5460) to my 403b, and it will land in an equity index fund while the market is low.

My increase in net worth for 2014 was still $125,092.

As Cherry Lane said, this increase was more than my gross income--does this imply FI?  I think I need a refresher about the definition of FI...

Anyway, hope you all have a great 2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Primm on December 31, 2014, 08:58:09 PM
My increase in net worth for 2014 was still $125,092.

As Cherry Lane said, this increase was more than my gross income--does this imply FI?  I think I need a refresher about the definition of FI...

Anyway, hope you all have a great 2015!

I would say that depends. Does the increase in your NW include what you saved to it for the year, or just the increase in your investment from capital gains, interest, dividends etc? I'd exclude the former to decide whether you are FI.

But that's just me, others may have different ideas.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 31, 2014, 09:12:25 PM
Does the increase in your NW include what you saved to it for the year, or just the increase in your investment from capital gains, interest, dividends etc?

Yes, it does. 

I'll figure out what the growth was without the contributions, and see if that covered my expenses for the year.  Thanks.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: AlexK on December 31, 2014, 09:42:09 PM
It's really amazing to see the compounded returns in action!

my numbers:
investments=$660k (up $168k in 2014 and my salary is only $80k)
total NW=$782k (up $171k in 2014)

investments/expenses = 35 so a big facepunch for me if I don't fire the boss this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on January 01, 2015, 09:49:15 AM
2012 - $219k
2013 - $315k
2014 - $418k as of today

Have been saving just over 80% of my income the past two years and it's making a big difference!

Update: Ended 2014 at $420k in investments (excludes house, car, possessions).  I'm running my portfolio analysis (Vanguard portfolio watch and Morningstar X-Ray) and getting my 2015 investment plan in place today.  FI is getting closer :) 

Inspiring to see what other's are doing!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 01, 2015, 09:53:33 AM
Update: Ended 2014 at $420k in investments (excludes house, car, possessions).

I know there are other threads on this, but why why why would you exclude your house in your net worth?

We fully paid off our house in 2014.  During 2013 and 2014 we made a total of $150,000 in extra lump sum payments on our mortgage to pay it off early.

A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: lhamo on January 01, 2015, 10:01:59 AM
In terms of percentage change, here is what our networth looks like since 2008 when I started tracking rigorously:

2008:  -9.72% (all market downturn)
2009:  +52.42% (midyear property purchase that rapidly escalated in value + rebounding market + high level new investments)
2010:  +37.76% (mix of about 3/4 property value increase, 1/4 market returns/new investments)
2011:  +8.05 (roughly 3/5 property, 2/5 market/new investments)
2012:  +20.07  (roughly 2/3 property, 1/3 market/new investments)
2013:  +27.04  (roughly 2/3 property, 1/3 market/new investments, though new investments dropped off dramatically so that we could cashflow kids higher school fees)
2014:  -1.35% (all attributable to drop in Beijing property market -- investments grew by nearly $100k)

The Beijing property market has been insane -- our apartment has tripled in value since we bought it, and it wasn't cheap to begin with!  But we're in a catch 22 situation, in that as long as we stay in Beijing it doesn't make sense to sell.  It is currently costing us only about $100/month out of pocket for our apartment -- of our $1880 monthly mortgage fee, about $1050 is going toward principal, and then DH gets a housing allowance of about $650, plus we rent out our two parking spaces for about $100/month.  If we sell, we would have a huge tax liability, plus it would cost $3-4000 to rent a similar place.  Buying anything similar would be as much or more as we would get from selling.  We could move to a place in the suburbs, close to kids school, that would be cheaper per square footage to buy, but then I would have a horrible commute again and we would probably have to buy a car. 

I do worry about having so much of our net worth (about 60%) tied up in the China property market, though.  Somewhat less risky in Beijing than elsewhere, as the government would do everything it could to prevent a major drop in the Beijing market, but still more risk than I am fully comfortable with.  Need to work harder this year on convincing DH that our apartment really is our "lottery ticket in the sky" that could allow us to pursue whatever interests we have.  He's still very averse to the idea of FIRE, for reasons I don't fully understand. 


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on January 01, 2015, 10:58:49 AM
Update: Ended 2014 at $420k in investments (excludes house, car, possessions).

I know there are other threads on this, but why why why would you exclude your house in your net worth?


I'm on this forum because I want to FIRE.  The value of my car, furniture or a house are not part of the equation for me.  As mentioned in another thread, some of us equate 'net worth' with our stashe, rather than the textbook definition.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 01, 2015, 01:41:16 PM
I'm on this forum because I want to FIRE.  The value of my car, furniture or a house are not part of the equation for me.  As mentioned in another thread, some of us equate 'net worth' with our stashe, rather than the textbook definition.

So you paid cash for your home and never had a loan?

If you did have a loan on your house, did you deduct the full loan from your net worth but not the value of the house? (and thus start with a very negative net worth?)

People who rent can't FIRE?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RFAAOATB on January 01, 2015, 02:11:39 PM
Approximate end of month numbers especially in regards to home value minus mortgage:

12/2011:  -21,454.61
12/2012:   30,524.88
12/2013:   75,132.59
12/2014:  118,931.06


Condo was assessed at 138k when we bought it early 2013.  I haven't checked to see its value since so kept it pegged there.  Paid ahead on mortgage so it's down to 117.8k.  Maxed out Roth IRA past 3 years and just started pre tax retirement at work.  2015 is looking to be a more expensive year with less income so am trying to come to terms with slower growth.  Hopefully it won't take another 18 years to get into the millionaire's club.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NonprofitER on January 01, 2015, 03:05:46 PM
We had our financial awakening in November 2013, so we're still new to improvements but careful budgeting and monthly net worth tracking has really helped.  Hoping the ball moves faster as we pay off the last of our hair-on-fire student loans this year and early 2016.

Dec 2012: $ -27,300
Dec 2013: $75,200
Dec 2014: $131,096 - it may well be higher as our home value has grown substantially, but I prefer to leave the value at a conservative constant for now.

We'd like to end 2015 close to $189,000. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sol on January 01, 2015, 03:55:51 PM
A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?

Yes, your net worth dropped and so did your expenses.  You effectively spent part of your net worth to reduce your ongoing housing costs.

For the purposes most often discussed here, "net worth" refers to invested assets that can generate profits for you to use as living expenses.  Your house only does this if you intend to sell it, at which point you will have new housing costs.  In this way it's no different from any other cost-saving purchase, you've spent money up front to save money in the future.  But you've still spent the money today, so your net worth goes down today.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: kudy on January 01, 2015, 06:19:05 PM
78k on the last day of 2013 to ~122k on the last day of 2014.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 01, 2015, 06:21:05 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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: aj_yooper on January 01, 2015, 07:37:32 PM
We are up 14% on the portfolio for the year.  Feeling good about that as we made no contributions-retired.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mochila on January 01, 2015, 08:03:46 PM
Up 24% for 2014. Quite a disappointment compared to 2013's 51%, but pretty great nevertheless.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 01, 2015, 08:22:56 PM
Up 24% for 2014. Quite a disappointment compared to 2013's 51%, but pretty great nevertheless.

I don't know if this is the case for you, but the longer you go the more your YOY returns will look like the overall market's since your contributions get swamped by your returns (an excellent problem to have).
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sidfinch on January 01, 2015, 08:55:20 PM
First post on the boards for a long time lurker. This post finally inspired me to jump into the commenting game.

Net worth in 2013  26.4K
Net worth in 2014  60.3K

Taking baby steps, but I finished grad school in 2013, and based on the extreme student loans law students carry, was stoked to end in the positive. This year only included working full time for me from mid-march, so our goal for next year is 100k.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Cecil on January 01, 2015, 09:06:25 PM
End of year net worth figures:

2006: $20k
2007: $44k
2008: $68k
2009: $97k
2010: $126k
2011: $158k
2012: $202k
2013: $310k
2014: $419k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: vrichard on January 01, 2015, 11:07:20 PM
I've been keeping track for quite a few years - I'm an accountant but still calculate this my own way!  Here's mine:

8/18/03   380K
8/17/04   480K
8/17/05   574K
8/17/06   644K
8/19/07   772K
8/18/08   810K
8/19/09   882K
8/19/10   1034K
8/19/11   1152K
8/18/12   1250K
8/18/13   1580K
8/18/14   1851K
12/31/14   1971K

I am 48, but have a 12 children (lots of dependents).  I hope to help them through college, etc. (though I recognize this is debatable within this community).  I enjoy work and think I will keep at it for many years, but I would feel much less stress having the children raised and on their own and being FI.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: HappierAtHome on January 01, 2015, 11:49:04 PM
Roughly 70k, which is almost as much as my take home pay. Hopefully in 2015 my net worth increase will be greater than my take home pay!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 02, 2015, 01:16:34 AM
8/18/03   380K
8/17/04   480K
8/17/05   574K
8/17/06   644K
8/19/07   772K
8/18/08   810K
8/19/09   882K
8/19/10   1034K
8/19/11   1152K
8/18/12   1250K
8/18/13   1580K
8/18/14   1851K
12/31/14   1971K

I am 48, but have a 12 children (lots of dependents).  I hope to help them through college, etc. (though I recognize this is debatable within this community).  I enjoy work and think I will keep at it for many years, but I would feel much less stress having the children raised and on their own and being FI.

Wow. I'm impressed by these numbers, assuming you don't rake in an absurd salary!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: vrichard on January 02, 2015, 01:24:53 AM
About $250k per year - probably not all that impressive.  Just try to maximize the employer match in 401k.  Been trying to put more into Roth 401k.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 02, 2015, 01:30:00 AM
About $250k per year - probably not all that impressive.  Just try to maximize the employer match in 401k.  Been trying to put more into Roth 401k.

Well, you're still saving despite having the runaway compounding train barrel down the tracks, so good for you. Also, 12 kids? That has to be pricey.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: clifp on January 02, 2015, 04:01:50 AM
It was crazy good year for me.  Overall net worth increased by 14.95% even though I'm retired.  Schwab says my portfolio was up 14.5% My largest individual stock holding are Berkshire Hathaway and Intel which were up 28/43% respectfully. I had double digit increase in my house and rental properties.  I also have been invested in small company (aka Angel Investing). A couple companies have gone broke, several are on life support,and the jury is out on the rest. But fortunately the one I in invested the most in also did the best.  Paying out a dividend this year which exceeded the investment amount, and the initial shares I bought are up 400%.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ToeInTheWater on January 02, 2015, 05:11:30 AM
our net worth rose ~240k (~17%), part from investment gains, part from increased savings / mtg payoff.

b


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: londonbanker on January 02, 2015, 05:29:41 AM
12/31/2011 - $212k
12/31/2012 - $337k
12/31/2013 - $984k
12/31/2014 - $1,621k

I have benefited from the stupid RE appreciation of central London over the past 2years, being very / very leveraged, and spending slightly over $150k in renovation work. The rest is a combination of saving rate (great salaries) and being very lucky on both our companies stock options and RSU's

I dont anticipate this rate to continue. I'd be happy with a $200k increase per year going forward (75% of which from savings, 25% from investment appreciation)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: TheNorwegianGuy on January 02, 2015, 05:40:51 AM
Dec 2011: - $6.700  (-46K NOK) (Still a student)
Dec 2012:   $2.400 (17K NOK) (Started working august)
Dec 2013:   $18.000 (128K NOK)
Dec 2014:   $55.000 (390K NOK)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: chuckaluck on January 02, 2015, 06:14:03 AM
From Dec 2013 to Dec 2014, net worth increased by 180000.00. 

Would have been more, but I semi-retired in Dec 2012, and had huge expenses the past several years (private college for 2 sons, major renovations, promised European vacation to wife (1st ever), etc. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ioseftavi on January 02, 2015, 07:44:47 AM
12/31/2012: $23,402   
12/31/2013: $123,484 
12/31/2014: $246,979

2015 will be a pretty cool year - first full year we have no SL debt.  Lots of goals set for ourselves!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mochila on January 02, 2015, 10:17:20 AM
Up 24% for 2014. Quite a disappointment compared to 2013's 51%, but pretty great nevertheless.

I don't know if this is the case for you, but the longer you go the more your YOY returns will look like the overall market's since your contributions get swamped by your returns (an excellent problem to have).

Aren't you right about that! I'm so tickled to see the posts with >100% gains. They remind me of mine when I first wised up about money. Good times. As is now.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Scrooge on January 02, 2015, 11:16:25 AM
I'm starting to cry when I see your results. 7th year in the making, having started with a very meager salary I'm only now beginning to pick up noticeable pace. Increase in income has been the biggest factor. Investments haven't contributed too much in this endeavour yet. Then again, I'm living in a country where taxation is unbelievably high.

Increase from last year, about 24,5% with a savings rate of 62%

12/31/2013: $114,000
12/31/2014: $142,000
Expected 12/31/2015: $175,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: rob in cal on January 02, 2015, 11:24:47 AM
Scrooge, just be patient.  Even starting with a smaller income than most on this forum your capital will start to take on a life of its own.  Thats whats happening to me.  I'm actually working about 7 hours a week less than I did 10 years ago, and my real hourly wage is probably 10-20% less per hour than it was 10 years ago (less deliveries per hour due to a more and more spread out delivery area, and more and more traffic), and yet due to passive income from previous savings, I'm making more and more per year due to this passive income explosion.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Scrooge on January 02, 2015, 11:38:16 AM
Scrooge, just be patient.  Even starting with a smaller income than most on this forum your capital will start to take on a life of its own.  Thats whats happening to me.  I'm actually working about 7 hours a week less than I did 10 years ago, and my real hourly wage is probably 10-20% less per hour than it was 10 years ago (less deliveries per hour due to a more and more spread out delivery area, and more and more traffic), and yet due to passive income from previous savings, I'm making more and more per year due to this passive income explosion.

Yep. Patience indeed is the key in this game. It's just incredible to see the differences in income between different countries combined with some rather low living costs. It's not putting me off of course. It's pretty hard to choose where one is born :) All is well, and getting better. I know that 2021 is the year (will be 40 then) when I can officially retire at the latest, even if the investments would do poorly. In the next three years my passive income will make about 40-50% of my living costs, so I'm certainly not doing bad in any objective sense. I guess, looking at your figures peeps, I'm just feeling "relatively poor" ;)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: cam513143 on January 02, 2015, 06:00:46 PM
Numbers are small but I've got plenty of time!  I started tracking in 2010 (senior year of high school, woohoo for starting early!)
2010:  $11,895.00
2011:  $28,960.71
2012:  $23,531.05
2013:  $15,533.54
2014:  $19,645.85

^I know that looks ridiculously volatile, but my income fluctuates drastically depending on when I'm in school/when I'm working.  Most of the savings in 2011/2012 were from working my ass off, unfortunately I wasn't able to start investing much until somewhat recently, due to needing cash elsewhere.  Long story short, wanted to share some small numbers!  Still positive gain this year, even though I'm a full time student so I'm happy.

More importantly, my net worth might not be high, but I'm still proud of some other things:
1)  Never paid a dime in credit card interest.
2)  Same for student loans, and will graduating debt free in August.
3)  Have a Roth IRA, 401k, IBA, and a college fund for my son. :)

Might not have the cash, but priorities and determination are just as important!  Also, commence face punches if I should have different/additional retirement accounts.  Still learning!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on January 02, 2015, 08:23:11 PM
12/31/2011 - $212k
12/31/2012 - $337k
12/31/2013 - $984k
12/31/2014 - $1,621k

I have benefited from the stupid RE appreciation of central London over the past 2years, being very / very leveraged, and spending slightly over $150k in renovation work. The rest is a combination of saving rate (great salaries) and being very lucky on both our companies stock options and RSU's

I dont anticipate this rate to continue. I'd be happy with a $200k increase per year going forward (75% of which from savings, 25% from investment appreciation)
Damn, that is impressive.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on January 03, 2015, 09:53:07 AM
Didn't do too well this year. Mainly due to poor investment choices before discovering MMM and a pay cut at the old job.

1/2010 - $15,000
1/2011 - $30,000
1/2012 - $45,000
1/2013 - $65,000
1/2014 - $90,000
1/2015 - $105,500
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Emilyngh on January 03, 2015, 12:43:23 PM
I thought I'd chime in too with my less-impressive-than-many-others' posted net worth increase in case it helps to encourage others who may feel like their numbers aren't stacking up:

2014: $157,000
2015:$177,000

So, only about a 13% increase.   About half of that is from investment gains and about half from contributions. 

*But* we are currently in a stage where we're only saving about 25% of our net income b/c DH is SAH with our your DD, we're living off of my income, and we're in the last year of paying CS for my step daughter.   Our savings will ramp up starting in the next year or two when CS ends (even with helping with college) and DH will probably start working at least PT.   

So, on one hand, I see the crazy gains here and feel like we're crawling along.   On the other hand, our net worth increase is almost half of my take-home pay for the year, even with DH SAH, which is pretty darn mind-blowing when I think about it.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: brooklynmoney on January 03, 2015, 01:10:54 PM
Just did the #s today. Increase of about 21% y-o-y. I'm happy with that. The absolute number is quite high, in the six digits.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NW Girl on January 03, 2015, 04:57:57 PM
Jan 2014:  $1.1 mil
Jan 2015: (almost) $1.3 mil 

Savings rate in 2014 was just a little more than 50%.  I'd love to get it up to 60% but it will be tough as our incomes have gone down slightly in the past few years, but our children continue to want to eat.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NW Girl on January 03, 2015, 05:04:09 PM
Oh…and our net worth is as high as it is only because of an investment property that we purchased ridiculously low just out of college (10 years ago) before we knew any better….and in a total fluke has risen like crazy.  Without the property our net worth is in the high 600s.  Kudos to everyone who is plugging along……and especially those just getting their net worth into positive territory.  It gets easier!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Shamantha on January 04, 2015, 06:41:15 AM
Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!

Why do you see any chance for figures like this? In the NL you can live easily without a car--no depreciation, no insurance, no gasoline which means huge savings. Also, rents are lower, I think.

The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.
Slightly off-topic I fear, but to go into a bit more detail: I feel that we have a slighly more regulated society financially with more social security but as a result a smaller proportion of our income to do with as you wish (which is confirmed by some US colleagues). Wages are lower than in the USA, and we pay up to 52% tax, with housing prices still very high despite a correction since 2008. Rent is also very expensive if you earn slightly more than the median wage, from 20% of your income on low wages to 40% for median wage. Public transport is OK in and between cities but if you live in the countryside you really need a car, and gas is a lot more expensive than in the US (but in the countryside you have a lower rent/mortgage). But cars here are efficient compared to the USA and can be found very cheap, so this is not what makes the difference.

With the high amount of mandatory income tax, social security, old age pension, healthcare etc. the income left to save from is (as I see it) lower than in the USA. Would be nice to have a bit more freedom in that, especially for the retirement options. Is there already a thread for non-USA mustachians where we can discuss further?

Back on topic: I have been paying off my mortgage with 33.000 euros per year in the past 3 years, so I count that as a 100.000 euro increase in my net worth (house value did not increase). First target is to become mortgage free in 2018. Slowly starting with investing in index trackers so that by the time I will have more money to invest I will have a bit of experience with that.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: lithy on January 04, 2015, 10:55:50 AM
Our few years of serious progress started with the purchase of a house.  For the sake of my household accounting, I was counting the mortgage as a liability but not counting the value of the house as an asset.  Numbers listed are at year end.

2012 ($44,938)
2013 $1,855
2014 $50,869

We had our first child in November of 2014, so our expenses will go up, but trying to keep expenses normal, and the goal is to pass 100k by the end of 2015.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on January 04, 2015, 04:09:15 PM
End 2013: about $822000
End 2014: about $1015000
Change: about $193000

Finally did some work to update my tracking sheets I just started this year. The above does not include house in the total (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: h2ogal on January 04, 2015, 06:38:36 PM
Question for those of you who posted NO net worth decrease during the major 2008-2009 recession...how did you do that?!?


I've been tracking my personal net worth monthly since 2006.  I exclude my house, which is recently paid off because I don't consider it an income generating asset,  Here is my progress chart for December of each year:
2006 - 149892
2007 - 145100 - Changed jobs and lost $30k in uncashed options which coincidentally dipped at same time.
2008 - 102270 - market downturn - didn't sell anything...at one point during the year it got as low as 75K :-(
2009 - 158241
2010 - 194971
2011 - 219649
2012 - 288069
2013 - 397428
2014 - 511000

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: JohnGalt on January 04, 2015, 09:21:50 PM
My net worth increased by 4 years and 8 months of goal retirement expenses.... I like that better than an actual dollar amount.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: givemesunshine on January 04, 2015, 09:56:48 PM
Smallish numbers so far -

2010 - $26,000
2011 - $39,000
2012 - $54,000
2013 - $71,500
2014 - $129,100

Happy with my progress (55% increase!) the result of better focus, better pay and MMM. Not expecting such a big jump this year (hoping for $35-40K plus interest market gains - so maybe $45-50K this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on January 04, 2015, 10:06:17 PM
Up $210k in 2014 which is about 10%.  My investment choices were sub-optimal for sure - BUT we had eggs in lots of different baskets.  On Jan 1 I generated this graph and posted in my journal - interesting to see the build up over time.

I'm really impressed with some of your numbers. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Badass by 41 on January 05, 2015, 01:13:41 PM
We just found MMM in Q1 of 2014, so we didn't get our act together until April.  Given that, here's where we netted out in 2014.

04/01/2014 - $632k
12/31/2014 - $824k

So +$192k in 2014.  Of that, $84k was cash savings and ~$108k was appreciation&ROI so ~19% return in the last 8 months of the year.

Happy New Year!

:: Edit- Typos ::
:: Edit - I thought those numbers looked off.  Recalculated based on beginning of April. ::
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 05, 2015, 02:25:23 PM
December 2013:  $43,800
December 2014:  $70,200

A $26,400 increase, up 60%, with a 40% savings rate for the year.  Hoping to keep that savings rate up this coming year, but with a lower income, so how much our NW changes will be up in the air.  Pretty proud of these numbers, my husband and I got married this year, so a lot of changes we bumped through while making steady progress.  Realistic goal of $93,000 stretch goal of nice round $100,000.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: neophyte on January 06, 2015, 08:13:17 AM
I started tracking spending and savings in April, so for the last 9 months of 2014 my net worth increase was $8846 during that same time my spending was $9783.  Seeing it spelled out like that makes me feel like it was hardly worth it.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: UnleashHell on January 06, 2015, 08:28:04 AM
year   Net worth   increase   notes
2000    (12,450)      moved to the states
2001    26,337     38,787    
2002    35,124     8,787    bought a house!!
2003    39,356     4,232    
2004    61,587     22,232    
2005    83,819     22,232    
2006    102,206     18,387    
2007    130,159     27,953    
2008    130,667     507    increased as the market dropped!!
2009    183,772     53,105    House at max val - started paying off consumer debt..
2010    222,549     38,776    
2011    228,475     5,926    
2012    215,030     (13,445)   only decrease - unemployed for 5 months, moved to florida. House had dropped 100k in 3 years!
2013    357,849     142,819    good investment returns. Took profit. Bought new house outright.
2014    415,417     57,568    big european vacation - and found MMM
2015    ???     100k ???     100k is a big target… but who knows.. Now at the mercy of the markets!


The average is now close to 30k per year since I started tracking it - but accelerating. A few tough years but I think thats called life.

with the stuff I've been learning on MMM I expect to be killing the last of the consumer debt and maxing out the 401k this year - the rest of the 100k target will be down to the investments in the market - and we are not off to the greatest start ever in 2015 but I keep reminding myself that this is ok as I'm still buying...
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: aj_yooper on January 06, 2015, 08:31:47 AM
I started tracking spending and savings in April, so for the last 9 months of 2014 my net worth increase was $8846 during that same time my spending was $9783.  Seeing it spelled out like that makes me feel like it was hardly worth it.

To me, your numbers seem good:

You spent $9783 in 9 months so your annual spend is $13044 per year with net worth increase per year of $11795 (at $8846 for 9 months).  So you banked close to your expenses this year, if your spending and saving was straight line for the year, which means you probably have a very high savings rate. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 06, 2015, 08:33:22 AM
$14,536 in Jan 2014 to $33,987 in Dec 2014. First full year as a Mustachian! Can't wait to see what happens in 2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: clutchy on January 06, 2015, 11:08:56 AM


2014 was great but 2013 was better.


2014: $339,325  Change: $89,775
2013: $249,550  Change: $125,992
2012: $123,558  Change: $37,923
2011: $85,635    Change: $49,893
2010: $49,893   

The reasons for the slowdown; market was decent but not as good.
Large job transition that was pretty disruptive to our savings rate and we also bought another house.  I tend to carry the houses at cost until I start losing credibility when they appreciate significantly over how I have them valued.

expectations: Picked up 2 rentals in 2014; one earlier and one later.  I expect that to have a significant effect going forward.  Salary keeps going up, but we keep having large events that interfere.  I'm hoping 2015 will be a good standard year so we can get a firm baseline.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 06, 2015, 03:21:19 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Glenstache on January 06, 2015, 06:36:44 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)

No kidding. But, maybe a good time to buy some exxon while they are low, eh?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mochila on January 06, 2015, 08:07:12 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)

No kidding. But, maybe a good time to buy some exxon while they are low, eh?

Ah, but this thread's about 2014, now preserved in amber.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 06, 2015, 09:12:09 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)

No kidding. But, maybe a good time to buy some exxon while they are low, eh?

Ah, but this thread's about 2014, now preserved in amber.

Yes yes, it is just curious that 5 days can wipe out 30% of a year's gains.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ImproveEveryday on January 09, 2015, 03:40:57 PM
Jan 2014: -$25k
Jan 2015: $3K

Not as impressive as many posters here, but for me this is huge!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 09, 2015, 04:40:55 PM
Jan 2014: -$25k
Jan 2015: $3K

Not as impressive as many posters here, but for me this is huge!

Going from negative to positive is a huge milestone, like the extra energy needed to change 32 degree water into 32 degree ice.

edit:  Got that backward.  It takes a lot of extra energy to change ice into water but only a tiny bit of energy to raise the temperature after that.  Ok, it was a silly analogy, but grats for getting out of debt!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: eyePod on January 09, 2015, 04:46:20 PM
A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?

Yes, your net worth dropped and so did your expenses.  You effectively spent part of your net worth to reduce your ongoing housing costs.

For the purposes most often discussed here, "net worth" refers to invested assets that can generate profits for you to use as living expenses.  Your house only does this if you intend to sell it, at which point you will have new housing costs.  In this way it's no different from any other cost-saving purchase, you've spent money up front to save money in the future.  But you've still spent the money today, so your net worth goes down today.

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 09, 2015, 04:51:41 PM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chranstronaut on January 09, 2015, 04:54:58 PM
Dec 2012 -8k (20k in student loans, working for 2 months)
Dec 2013 39k (12k in student loans)
Dec 2014 95k (student loans killed, 401k bumped to 25% and spending cut per month)

Just getting to positive NW seemed like the hardest part.  Once the machine is running and kept oiled, it's amazing!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: eyePod on January 09, 2015, 04:58:41 PM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.

I was trying to make the point that you guys didn't spend any money and that a house is an investment (with incredibly poor returns). And arguing that you should absolutely include it in your net worth. Just because something is in your NW doesn't mean it has to be income generating. You can put it in your mattress and lose it to inflation and it's still part of your NW. The other guy's argument was just stupid.  Now, if he was saying there are reasons to calculate your NW without a house to gather certain information, then that's different.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: FIPurpose on January 09, 2015, 05:29:08 PM
2013: $11k  (graduated college)
2014: $68k

Wife recently got a really nice pay raise with a really nice job. I hoping to hit about $150k by the end of this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Zaga on January 09, 2015, 07:25:55 PM
2012 NW increase ~$51,000
2013 NW increase ~$76,000  (about our take home pay, the market was good to us this year!)
2014 NW increase ~$43,000

2014 wasn't as impressive as the previous 2 years, but it's still our third highest increase since we got married in 2007!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Cottonswab on January 09, 2015, 09:34:32 PM
2014:    $250k
2015: > $145k
2016: > $    ?k
2017: > inflation = Likely FI cruise control!
2018: > inflation = Fo shizzle FI cruise control!!!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Fruchtwein on January 09, 2015, 09:36:52 PM
09/2014: 0.- EUR
12/2014: ~14,000.- EUR
12/2015: >75,000.- EUR (planned)

We started our journey to FI last year in September.


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dude on January 13, 2015, 07:47:31 AM
hmm, haven't done the full NW calculation yet, but my 401k alone increased by $52K this year, and from now through the next 5 years, @$31K will going in annually (max deferral + catch-ups + match) to mine.  Also got the wife maxed out on hers now, so another $21K or so/year going into hers, for @$52K annually combined.  That should move the needle a little bit. Currently @ $638K combined balance.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: KES on January 13, 2015, 08:10:24 AM
1/1/2014: 135,000
1/1/2015: 185,000

Most of the increase is due to Zillow inflating the price of my home, actual increase in investments was about 17k.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 13, 2015, 10:27:55 AM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.

I was trying to make the point that you guys didn't spend any money and that a house is an investment (with incredibly poor returns). And arguing that you should absolutely include it in your net worth. Just because something is in your NW doesn't mean it has to be income generating. You can put it in your mattress and lose it to inflation and it's still part of your NW. The other guy's argument was just stupid.  Now, if he was saying there are reasons to calculate your NW without a house to gather certain information, then that's different.

Sol's argument is based on being able to provide a source of income after FIRE. Yes, you can see some sort of return on a house, but the only time it becomes income is when you sell the house. By ignoring assets such as primary residences, it helps determine how much income you can expect to generate after FIRE.

If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 13, 2015, 11:09:30 AM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on January 13, 2015, 01:44:19 PM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.

I was trying to make the point that you guys didn't spend any money and that a house is an investment (with incredibly poor returns). And arguing that you should absolutely include it in your net worth. Just because something is in your NW doesn't mean it has to be income generating. You can put it in your mattress and lose it to inflation and it's still part of your NW. The other guy's argument was just stupid.  Now, if he was saying there are reasons to calculate your NW without a house to gather certain information, then that's different.

Sol's argument is based on being able to provide a source of income after FIRE. Yes, you can see some sort of return on a house, but the only time it becomes income is when you sell the house. By ignoring assets such as primary residences, it helps determine how much income you can expect to generate after FIRE.

If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.

Nobody here is silly enough to do that. Safe to assume most are tracking 2 net worths - a sum total of everything including the house, and a second one for size of the income producing 'stash.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 13, 2015, 02:16:35 PM
If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.   If you have valued your house correctly for your net worth calculations (subtracting selling costs and other fees) then it is just an illiquid item in your portfolio.  It would be somewhat similar to a low yield bond fund that just keeps up with inflation (in most cases).  You can always extract the value out of your house and place that cash in the stock market.  Your expenses would go up but we are talking income.

Think of it another way.  What if you retired at 40 and had $300K in a 401K?  Further, what if you had that 401K invested in TIPS yielding right around 0% real?   Would you include this money in your portfolio, stache, net worth?  You can't get to it for 20 years (there are ways, but there are also ways to get money out of a house).

You need to think of all of your money and assets as one big pot which you apply the 4% SWR rule
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: eyePod on January 13, 2015, 02:36:49 PM
If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.   If you have valued your house correctly for your net worth calculations (subtracting selling costs and other fees) then it is just an illiquid item in your portfolio.  It would be somewhat similar to a low yield bond fund that just keeps up with inflation (in most cases).  You can always extract the value out of your house and place that cash in the stock market.  Your expenses would go up but we are talking income.

Think of it another way.  What if you retired at 40 and had $300K in a 401K?  Further, what if you had that 401K invested in TIPS yielding right around 0% real?   Would you include this money in your portfolio, stache, net worth?  You can't get to it for 20 years (there are ways, but there are also ways to get money out of a house).

You need to think of all of your money and assets as one big pot which you apply the 4% SWR rule

Right? I understand Runge's point. He stated it very well.  Sol was acting as if the money disappears once even though it's principal. Definitely not true.

I guess we just need to be clear about what we intentend to use this "NW" calculation as. I like to think of it as "this is all the assets I've accrued."

But Runge, you're absolutely right that you need to be wary of this # for FIRE calculations, or if you're going to use it, you'll have to assume that you sell the house and will be renting instead. I'd hope that someone who's going FIRE would think about this but who knows.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ozzage on January 13, 2015, 04:14:11 PM
My net worth and my "stache" are different numbers. My net worth includes money towards a deposit for a house, and will one day (probably, if we ever get around to actually buying one) include that house's value. That's net worth. My net worth also includes my emergency fund.

My stache is just my investment assets, and that's what I base my 4% on. No house, no emergency funds.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Beric01 on January 13, 2015, 04:47:10 PM
I a little more than doubled my net worth in 2014, saving ~66% of my net income. A very good year. Next year should be even better.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.

Uh, no you can't. A house doesn't generate income, so you can't "withdraw" anything from it. It may reduce your expenses, but it doesn't generate income unless you're renting out rooms.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 13, 2015, 05:05:26 PM
Uh, no you can't. A house doesn't generate income, so you can't "withdraw" anything from it. It may reduce your expenses, but it doesn't generate income unless you're renting out rooms.

0% bonds don't generate any income  (10 year Treasuries are paying about 2% which equals inflation which means they pay nothing).

Are you saying someone who had 70% of their portfolio in the stock market and 30% in 10 year treasury bonds only really has 70% of what they think they have for income generation?

You should go over to Bogleheads and make a post on how their bond portion of their portfolio should not be included in their SWR income calculations.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 13, 2015, 05:25:42 PM
If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.   If you have valued your house correctly for your net worth calculations (subtracting selling costs and other fees) then it is just an illiquid item in your portfolio.  It would be somewhat similar to a low yield bond fund that just keeps up with inflation (in most cases).  You can always extract the value out of your house and place that cash in the stock market.  Your expenses would go up but we are talking income.

Think of it another way.  What if you retired at 40 and had $300K in a 401K?  Further, what if you had that 401K invested in TIPS yielding right around 0% real?   Would you include this money in your portfolio, stache, net worth?  You can't get to it for 20 years (there are ways, but there are also ways to get money out of a house).

You need to think of all of your money and assets as one big pot which you apply the 4% SWR rule

I respectfully disagree. I don't treat my primary residence as an investment with respect to my FIRE income. As ozzage stated it, my "stache" is different from my textbook NW. Maybe this is all simply a misunderstanding of terminology, but my stache is what I'm going to be living off of after I retire.

If we look at it from another angle...say my house is worth 700k and I have no mortgage. My liquid investments are worth 300k, and my target FIRE amount is 1 million. Would you seriously suggest that I pull 40k/year out to live on? If so then I must pull from the equity in my house (read pay interest). This means that I'm effectively negating any kind of growth the in the value of my home.

To simplify it, lets assume that my home value keeps pace with inflation at 3%, while the HELOC that I just took out is charging me an interest rate of 3% (which I believe in today's market is pretty good). Whoops...I just negated any growth in my house because now I'm paying the bank to make the equity in my home liquid. I now have effectively 700k (or whatever the size of the heloc is) stuffed under a mattress in cold, hard cash.

That leaves me with the typically assumed 7% growth on the 300k liquid investments, which equates to 12k/year in this case.

Unless I'm missing some fundamental flaw, the math does not add up. Please let me know if I'm mistaken. I'll gladly eat crow if I'm wrong.

Until then, I believe the proper way to prep for FIRE is have a paid off house and ignore primary residence equity in your FIRE income calculations. If your house is not paid off, then you need to account for that in your FIRE income calculations, i.e. treat it solely as an expense.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Beric01 on January 13, 2015, 05:32:15 PM
Uh, no you can't. A house doesn't generate income, so you can't "withdraw" anything from it. It may reduce your expenses, but it doesn't generate income unless you're renting out rooms.

0% bonds don't generate any income  (10 year Treasuries are paying about 2% which equals inflation which means they pay nothing).

Are you saying someone who had 70% of their portfolio in the stock market and 30% in 10 year treasury bonds only really has 70% of what they think they have for income generation?

You should go over to Bogleheads and make a post on how their bond portion of their portfolio should not be included in their SWR income calculations.

Bond are part of a mixed portfolio of stocks and bonds. When stocks are down, the bonds can be sold to buy more stocks, re-balancing the portfolio and ultimately increasing your returns. Bond of themselves aren't contributing to 4% withdrawal, but when combined with stocks in a proper portfolio they are.

I haven't see any mention of people selling half of their house to buy more stocks when the market is down, but if they do I might be willing to include the house as part of their SWR.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 13, 2015, 05:37:27 PM
Also,

There's this thread that talks about this exact topic:
http://forum.mrmoneymustache.com/investor-alley/swr-4-and-4-of-what/
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 13, 2015, 09:47:22 PM
One of the posters in the other thread (Sherr) got it right.  This is what I was trying to convey.

"If you want to include the house in your investments and take 4% of your total net worth, then you can, but then you need to increase your real annual expenses by however much it would cost you to rent. That is another fine way of calculating, if your home is an investment then it is generating the amount that you could rent it for each month, and paying off your imaginary rent to live in the house each month.

What you cannot do is include the home in your investments and compare your investment amount to your real annual expenses. If you are you are double-counting the value of your home; once in reducing your expenses by not having rent / mortgage, and once by counting it among your income-generating investments. That's just bad accounting, not to mention not what the 4% rule research is based on."
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 13, 2015, 10:07:50 PM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 14, 2015, 06:34:33 AM
One of the posters in the other thread (Sherr) got it right.  This is what I was trying to convey.

"If you want to include the house in your investments and take 4% of your total net worth, then you can, but then you need to increase your real annual expenses by however much it would cost you to rent. That is another fine way of calculating, if your home is an investment then it is generating the amount that you could rent it for each month, and paying off your imaginary rent to live in the house each month.

What you cannot do is include the home in your investments and compare your investment amount to your real annual expenses. If you are you are double-counting the value of your home; once in reducing your expenses by not having rent / mortgage, and once by counting it among your income-generating investments. That's just bad accounting, not to mention not what the 4% rule research is based on."

If that's what you're trying to convey, then I agree with you. :D
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 14, 2015, 06:39:07 AM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.

You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ak907 on January 14, 2015, 07:51:56 AM
2012: $222K
2013: $285K
2014: $341K

up $56K 2013-14
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 14, 2015, 07:57:45 AM
You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.

I respectfully and 100% disagree with this viewpoint. By the time they start truly cutting military pension costs we'll be worrying about other things. Military personnel are a sacred cow and any recommendations for changes in the pension (or Social Security for that matter) include grandfathering current beneficiaries. Furthermore, I am connected with the office in one of the services that recommended cuts to benefits to avoid other cuts. I was told that the Congress basically treats anyone that has 10+ years in as untouchable as far as future benefits are concerned (obviously this does not include reductions in force). Anyone under 10 years time in service can pound sand - they'd be ready to vote for pension changes for people under that point.

This is like a discussion I often have with a friend - preparing for a complete portfolio collapse. If that happens it means we're in such a bad depression or political/social crisis that we will be worrying about putting food on the table or staying alive. That's where we'll be before your pension ever gets a serious look.

So, yeah...Go ahead and add to your NW that $1M annuity that has the full faith and credit of the United States Government behind it. If you don't believe in that, I question how you include any other American asset in your NW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dude on January 14, 2015, 08:16:53 AM
You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.

I respectfully and 100% disagree with this viewpoint. By the time they start truly cutting military pension costs we'll be worrying about other things. Military personnel are a sacred cow and any recommendations for changes in the pension (or Social Security for that matter) include grandfathering current beneficiaries. Furthermore, I am connected with the office in one of the services that recommended cuts to benefits to avoid other cuts. I was told that the Congress basically treats anyone that has 10+ years in as untouchable as far as future benefits are concerned (obviously this does not include reductions in force). Anyone under 10 years time in service can pound sand - they'd be ready to vote for pension changes for people under that point.

This is like a discussion I often have with a friend - preparing for a complete portfolio collapse. If that happens it means we're in such a bad depression or political/social crisis that we will be worrying about putting food on the table or staying alive. That's where we'll be before your pension ever gets a serious look.

So, yeah...Go ahead and add to your NW that $1M annuity that has the full faith and credit of the United States Government behind it. If you don't believe in that, I question how you include any other American asset in your NW.

Agree with NICE! here.  They may fiddle with certain things like the chained CPI for COLAs, eliminating the SRS for some future FERS annuitants, and such, but a wholesale change, especially for the military, would be pretty unthinkable.  I'm FERS LEO, and I'm pretty sure they won't fuck with LEO pensions and benefits too much either, but if they do, I'll survive.  I calculate my pension's rough worth by using my expected annual annuity at retirement as a baseline, then dividing by 0.04, which gives me the whole dollar amount I'd need in a retirement account to safely draw 4%.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 14, 2015, 12:49:21 PM
You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.

I respectfully and 100% disagree with this viewpoint. By the time they start truly cutting military pension costs we'll be worrying about other things. Military personnel are a sacred cow and any recommendations for changes in the pension (or Social Security for that matter) include grandfathering current beneficiaries. Furthermore, I am connected with the office in one of the services that recommended cuts to benefits to avoid other cuts. I was told that the Congress basically treats anyone that has 10+ years in as untouchable as far as future benefits are concerned (obviously this does not include reductions in force). Anyone under 10 years time in service can pound sand - they'd be ready to vote for pension changes for people under that point.

This is like a discussion I often have with a friend - preparing for a complete portfolio collapse. If that happens it means we're in such a bad depression or political/social crisis that we will be worrying about putting food on the table or staying alive. That's where we'll be before your pension ever gets a serious look.

So, yeah...Go ahead and add to your NW that $1M annuity that has the full faith and credit of the United States Government behind it. If you don't believe in that, I question how you include any other American asset in your NW.

Agree with NICE! here.  They may fiddle with certain things like the chained CPI for COLAs, eliminating the SRS for some future FERS annuitants, and such, but a wholesale change, especially for the military, would be pretty unthinkable.  I'm FERS LEO, and I'm pretty sure they won't fuck with LEO pensions and benefits too much either, but if they do, I'll survive.  I calculate my pension's rough worth by using my expected annual annuity at retirement as a baseline, then dividing by 0.04, which gives me the whole dollar amount I'd need in a retirement account to safely draw 4%.

I don't for a second think they will do away with it totally, and I do believe he will be grandfathered...HOWEVER, look at what was passed (then retracted) just this past year, a reduction in COLA for working age retirees, originally with NO grandfathering.  I just will not add it into the NW calculation because if things like Tricare rates, SBP rates, lower or no indexing to inflation occur and we are basing our FIRE NW off of a number that includes X (which involves promises over decades) and it really turns out to be Y and we don't have money to make up that difference...well then we are screwed.  Better safe then sorry in my book.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 15, 2015, 02:34:53 PM
I don't for a second think they will do away with it totally, and I do believe he will be grandfathered...HOWEVER, look at what was passed (then retracted) just this past year, a reduction in COLA for working age retirees, originally with NO grandfathering.  I just will not add it into the NW calculation because if things like Tricare rates, SBP rates, lower or no indexing to inflation occur and we are basing our FIRE NW off of a number that includes X (which involves promises over decades) and it really turns out to be Y and we don't have money to make up that difference...well then we are screwed.  Better safe then sorry in my book.

But, since you're on the MMM website and in all likelihood not a huge spender, this pension could presumably pay for all, more than, or just a bit less than your FIRE expenses...right? So if this pension can cover that, how is it anything but a HUGE investment in TIPS/T-Bills?

SBP is a choice and a monthly expense, not something that effects the value of the annuity (pension). If you're worried about this going up, that goes on the expense side of the equation.

Also, Tricare rate raises? I hope you're kidding, the raises have been a joke. It pisses me off so much that they won't defray some of the costs onto comparatively rich retirees (often with another job/income) more than a couple of dollars. This is exactly why I don't give money to any of the active duty or veterans' lobbying groups. Furthemore, like SBP, this goes on the expense side of the ledger, not income.

Finally, even if you think it will lose to inflation, you can treat it as $1m in a high-yield savings account...Or something along those lines. Again, it is an annuity backed by the full faith and credit of the US government. If you don't buy that then neither your home nor your stocks/bonds should be part of your NW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 15, 2015, 03:15:55 PM
I don't for a second think they will do away with it totally, and I do believe he will be grandfathered...HOWEVER, look at what was passed (then retracted) just this past year, a reduction in COLA for working age retirees, originally with NO grandfathering.  I just will not add it into the NW calculation because if things like Tricare rates, SBP rates, lower or no indexing to inflation occur and we are basing our FIRE NW off of a number that includes X (which involves promises over decades) and it really turns out to be Y and we don't have money to make up that difference...well then we are screwed.  Better safe then sorry in my book.

But, since you're on the MMM website and in all likelihood not a huge spender, this pension could presumably pay for all, more than, or just a bit less than your FIRE expenses...right? So if this pension can cover that, how is it anything but a HUGE investment in TIPS/T-Bills?

SBP is a choice and a monthly expense, not something that effects the value of the annuity (pension). If you're worried about this going up, that goes on the expense side of the equation.

Also, Tricare rate raises? I hope you're kidding, the raises have been a joke. It pisses me off so much that they won't defray some of the costs onto comparatively rich retirees (often with another job/income) more than a couple of dollars. This is exactly why I don't give money to any of the active duty or veterans' lobbying groups. Furthemore, like SBP, this goes on the expense side of the ledger, not income.

Finally, even if you think it will lose to inflation, you can treat it as $1m in a high-yield savings account...Or something along those lines. Again, it is an annuity backed by the full faith and credit of the US government. If you don't buy that then neither your home nor your stocks/bonds should be part of your NW.

If the pension is there, yup, the estimates say it could pay for all of our expenses when he retires.  Simply because Tricare rates haven't raised significantly in the past, doesn't mean they won't, in the future.

Yes SBP is an expense, one that could go up in the future, so it is an "unknown" variable over the course of 40 years (if we opt for it, we may not), just like taxes are.  I think we will see a tax hike sometime in the future of our lives, which could also lessen the pension and stock value. 

We will not ever count the pension in our NW calculations, based on past history of various cities and states, and watching the supposed promises the state gave my parents in regards to their pension wither away, I don't have faith that people, now, and in the future, won't vote to alter that "promise"...kind of like how they changed it from Free Medical for Life, to Champus, to Tricare, to increased copays and retiree cost sharing.  I still find the medical a ridiculous value, and it's one of the main reasons he stays in, but I don't for a minute believe that the promises in place today will remain the same 20-30-40 years from now, heck they may change in the next year when the Commission report comes out.  They may not...but that's not a sure thing.  We don't believe in leaving the fate of our future up to the whims of other people.

There is also no guarantee (though with his specialty it is HIGHLY unlikely) that he will be able to make it to the 20 year mark with the massive layoffs that are occurring in the military.  We know a number of people that were planning on retiring and having their pension in 5 or 6 years, and didn't save a lot, and now they are out of jobs, with very little in the way of savings...starting over from the ground floor instead of enjoying luxury in retirement.

Plan for the worst, hope for the best.  I'd rather have our estimated 1.5 mil in the investment accounts plus a paid off house when he retires.  If the pension is there gangbusters!  We will live the grand life, and travel a lot in retirement while being able to give back more to the community then we had originally planned for.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 15, 2015, 11:16:26 PM
If you're not at 20 years yet then I completely agree, it isn't part of the NW. BUT it is the day you hit 20. Again, medical & SBP are expenses. You project them on the expense side of things, not NW or income.

Again, full faith and credit of the US Government as a guaranteed annuity. You stocks and bonds are far riskier and I don't see how that is even a discussion. Even if you combine all of the possible sky-is-falling factors that you're mentioning, you probably still have a pension that pays close to your monthly expenses. Good job saving, I'm doing it as well, but you can't pretend like the military pension isn't most lucrative and guaranteed annuities in existence.

Would you include an annuity you bought in your NW? I'm guessing yes, even though Bank X is a million times riskier than what we're talking about here.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 11ducks on January 16, 2015, 02:16:45 AM

Dec 2013 -$33,6000 (35k owed in student loans, $1400 in savings)
Dec 2014 -21k ($25,500 student loans, $4500 in savings)
Plus I spent more than 6k on unexpected medical bills in 2014

Am aiming for a net worth of about zero by December 2015 v (lofty goals!), and $30k by December 2016. I cannot wait to make that last student loan payment and be out of debt! 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: chuckaluck on January 16, 2015, 05:52:10 AM
You WILL do it!  Just keep at it.  Keep thinking of that day.  And when it happens, you'll be very proud of yourself --- as well you should be!  Please keep us informed of your progress.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ash7962 on January 16, 2015, 09:03:13 AM
All of your NW increases are so inspiring!  Here's mine:

12/31/2013 - 36k
12/31/2014 - 95.5k

So just shy of a 60k increase.  That is a wonderful present!  I found MMM in May and really started changing things in June, so maybe I can do even better this year :).  Here's to an even better year for everyone in 2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ak907 on January 16, 2015, 09:55:28 AM
All of your NW increases are so inspiring!  Here's mine:

12/31/2013 - 36k
12/31/2014 - 95.5k

So just shy of a 60k increase.  That is a wonderful present!  I found MMM in May and really started changing things in June, so maybe I can do even better this year :).  Here's to an even better year for everyone in 2015!

Huge increase, you must be making some great changes!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: rpr on January 16, 2015, 10:07:57 AM
It is so good to read all the positive stories. In my case my NW divided by annual expenses ratio went up from 10 to 12. That means two more years saved. Hopefully it will reach 25 in the next few years.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ash7962 on January 16, 2015, 11:10:43 AM
All of your NW increases are so inspiring!  Here's mine:

12/31/2013 - 36k
12/31/2014 - 95.5k

So just shy of a 60k increase.  That is a wonderful present!  I found MMM in May and really started changing things in June, so maybe I can do even better this year :).  Here's to an even better year for everyone in 2015!

Huge increase, you must be making some great changes!

Thanks, its not all because of changes actually.  I also got my first sizable bonus in Jan of '14 which I did not spend much of.  More luck than anything because I had no real concept of saving/investing (it was more I just didn't have anything to spend it on or I couldn't imagine spending so much at once).  Although after that bonus I felt like I should at least be doing something with all that new cash which is what ultimately led me to MMM.  This year's bonus is already being put to better use, so hopefully I'll still see an increase in how much my money grows even though I got the same bonus as last year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: iris lily on January 16, 2015, 11:15:51 AM
I won't have final figures for some weeks, but this is pretty close:

$160,000 was our gain this year
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: v10viperbox on January 16, 2015, 11:21:25 AM
33 / M

Investment growth
45,000

Real Estate.
105,000-150,000

Savings
85,000

Not bad year. Had myself in very risk adverse investments in the market though, and I bought another house and had to get a old truck to replace the one that died.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 11ducks on January 17, 2015, 02:56:23 AM
You WILL do it!  Just keep at it.  Keep thinking of that day.  And when it happens, you'll be very proud of yourself --- as well you should be!  Please keep us informed of your progress.

Thank you :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: pancakes on January 17, 2015, 06:29:53 AM
New here and thrilled to have discovered such a community.

My husband and I started 2014 with $123 000 and finished up with $150 000

I'm very happy with our $27k increase which was almost exclusively from savings but I believe that we are capable of saving over $40k/year. Our weakness is travel though and we did a fair bit in 2014 but truth be told, we also spend a reasonable amount on misc stuff that added nothing meaningful to our lives.

It is clear that we could be better using our money to generate additional income. At the moment we have almost all of it parked in savings accounts earning a measly 4% because we will likely need most if not all of it when we purchase a home - hopefully this year. On a positive note, with our savings and current low interest rates, the repayment on our home should be considerably less than our current rent.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: AJDZee on January 17, 2015, 09:01:16 AM
Jan 2014: -$25k
Jan 2015: $3K

Not as impressive as many posters here, but for me this is huge!

You now have that interest treadmill working with not against you... don't underestimate how significant your hard work was in 2014! You can now start to enjoy the power of compounding!

My NW for 2014...

Jan 1 2014:  $67,000
Jan 1 2015: $100,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nords on January 17, 2015, 02:18:21 PM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades. 

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: James on January 17, 2015, 02:43:07 PM
2014 was definitely a banner year for investments, and our savings we added to the investments were also great since we downsized our house in 2013, though still not what it could be.


I had a couple realizations in the last few months that I enjoyed. First, I realized we were around half a million net worth. (probably over, but I like to be conservative in things like house value) To me that is a mile stone that snuck up on us. For years I was worried about our large house with underwater mortgage, and hadn't realized how the compounding nature of our investments were allowing us to build up net worth despite our other financial issues.


Second, I realized our net worth has grown to the point that the growth in investments is starting to outweigh the additions we make to investments. That is definitely true this year, the growth is greater than out contributions. Psychologically this was positive reinforcement for the investments we have made over the years, and comfort to know even if we had to stop investing we could retire in around 10 years when the kids graduate from HS, even if we never added another penny to the accounts. At some point we can stop worrying about investments and watch growth take over. Since I enjoy my job, we enjoy travel, we might help the kids with college, etc, I will probably keep working as long as I enjoy it. But the option of early retirement has never seemed to be so real, and we are getting that much closer to having the FU money that provides the peace of mind I desire.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 17, 2015, 04:59:48 PM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades.

I really like the way you put this Nords!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dunhamjr on January 17, 2015, 11:02:38 PM
2013 ~$255k
2014 ~$306k

I am new to MMM, so hopefully my self inflicted face punch will get my ass in gear to make that number jump much closer to $100k for 2015.

But in my defense we did also pay off about $65k of "debt" in 2014 as well.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 18, 2015, 08:14:26 AM
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades.

It seems like you're really saying the same thing I'm saying. Like me, you're considering it to be a guarantee, while Siobhan is focusing on hypothetical changes that will, at worst, nibble at the margins. If anything's safe, it is that pension. The second someone starts questioning the pension, I'll question the heck out of stocks, bonds, and real estate. I still assert that we're talking serious social issues before we're talking major changes (IE enough to seriously change your FIRE spending) to the military pension for retirees. Token increases to Tricare are a joke...And belong on the spending side of the equation, as does SBP (insurance - you can't tell me that car or life insurance should be subtracted from NW). And PS they need to make retirees pay more for Tricare - I don't want rich retirees putting active benefits at risk, nor do I want them pulling more from the taxpayer than they need.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Fletch on January 18, 2015, 08:38:59 AM
NW end of 2013: $40k
NW end of 2014: $56k

$16k increase- not too bad!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: horsepoor on January 18, 2015, 08:46:01 AM
Off the cuff guesstimate for just my own retirement accounts and debt reduction:  $45,500.  Amazing when I write that down.  Does not include getting out of the underwater 6.375% mortgage on our old house (juuuuust managed to squeak out enough equity to sell without bringing money to closing), husband's investments, or any appreciation on our current home.  Adding all that in might bring us to about $80-90K up for the year (!) 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: tomsang on January 18, 2015, 08:53:05 AM
2013 ~$255k
2014 ~$306k

I am new to MMM, so hopefully my self inflicted face punch will get my ass in gear to make that number jump much closer to $100k for 2015.

But in my defense we did also pay off about $65k of "debt" in 2014 as well.


Paying off debt increases your net worth. Net worth is assets minus liabilities.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 18, 2015, 10:29:56 AM
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades.

It seems like you're really saying the same thing I'm saying. Like me, you're considering it to be a guarantee, while Siobhan is focusing on hypothetical changes that will, at worst, nibble at the margins. If anything's safe, it is that pension. The second someone starts questioning the pension, I'll question the heck out of stocks, bonds, and real estate. I still assert that we're talking serious social issues before we're talking major changes (IE enough to seriously change your FIRE spending) to the military pension for retirees. Token increases to Tricare are a joke...And belong on the spending side of the equation, as does SBP (insurance - you can't tell me that car or life insurance should be subtracted from NW). And PS they need to make retirees pay more for Tricare - I don't want rich retirees putting active benefits at risk, nor do I want them pulling more from the taxpayer than they need.

Nice, I'm not questioning the pension, we are simply not relying on it in our future planning since there are a large number of unknowns going forward 40 years that are completely out of our control.  With stocks bonds etc, you have control to sell and stuff your cash in a mattress if that's your thing to maintain NW.  With a pension, you don't have that option.  All I'm saying is a pension shouldn't be calculated as a part of NW because there is no way to put an accurate number on it and a large possibility of that value changing over the years.

Frankly active duty should be paying for Tricare too if they have families. I can see it free for the soldier but we should be paying for spouse and dependent coverage while active. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: SaintM on January 18, 2015, 12:24:51 PM
+$200k. Went from $1.79M to $1.99M.

Will have $2M by the end of this month.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 18, 2015, 02:26:31 PM
Nice, I'm not questioning the pension, we are simply not relying on it in our future planning since there are a large number of unknowns going forward 40 years that are completely out of our control.  With stocks bonds etc, you have control to sell and stuff your cash in a mattress if that's your thing to maintain NW.  With a pension, you don't have that option.  All I'm saying is a pension shouldn't be calculated as a part of NW because there is no way to put an accurate number on it and a large possibility of that value changing over the years.

Frankly active duty should be paying for Tricare too if they have families. I can see it free for the soldier but we should be paying for spouse and dependent coverage while active.

Those same unknowns are far worse when it comes to stocks and bonds. There's also a large possibility of the value of stocks and/or bonds changing over the years. All of these unknowns and/or changes are infinitely larger when talking about the markets as opposed to the pension.

Completely agree on the Tricare side. In fact, I support rank-indexed premiums for all active duty unless they are deployed or assigned overseas. There's no reason an O-6 can't throw down a small monthly premium (let's say a few hundred a month) for very generous health care. Start it at the E-6 and O-1 levels respectively, then increase based upon rank/pay.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Freedom2016 on January 18, 2015, 06:48:04 PM
2011: +67k
2012: +30k
2013: +203k
2014: +353k

2015 should be +150-200k. As a basically self-employed person we have "feast or famine" cycles in my industry which explains the vast differences between years.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on January 19, 2015, 01:47:17 AM
Estimated 97k increase. My company switched 401k providers mid-year and I didn't go back to the beginning of the year to get a starting amount. I just used my contributions + company match for that part of the calculation.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: fartface on January 19, 2015, 11:33:11 AM
Net Worth

1997: $13,385

2000: $87,890

Had three babies and didn't track the stash between 2001 - 2004

2005: $240,000
2006: $308,000
2007: $325,000

2008 - 2009 CRASH lost my records on an old computer hard drive, but I'm secretly glad I can't find these numbers - know they were terrible

2010: $383,000
2011: $512,000
2012: $585,000
2013: $650,000 +DH FIRE'd @ age 43 & I found MMM

2014: $755,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Ambergris on January 20, 2015, 10:07:43 AM
Lots of people with really impressive, big changes this last year or so. I'm a single person, earning <70k for most of this time, so mine is not so impressive,  but here we go:

Dec 2012: 353197
Dec 2013: 477301
Dec 2014: 521288

So nice, but only about a 44k increase for the last year. Can't say I'm complaining, though :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: wing117 on January 22, 2015, 07:47:01 AM
Almost to the six figures, but not quite!

Jan of 2013: -$8,200
Jan of 2014: $34,101
Jan of 2014: $80,405 (So far)

46.3K increase. Not bad!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on January 22, 2015, 12:39:17 PM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Laeklar on January 22, 2015, 01:29:24 PM
I agree about student loans... :(

Net Worth 12/27/13: -$343,441
Net Worth 12/26/14: -$279,390

Net worth improvement from end of 2013 to end of 2014: $64,051... Only 4+ years to go to hit $0 net worth if I keep on my current trajectory... *sigh*
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mm1970 on January 22, 2015, 01:59:31 PM
Hm.
2013: $1.69M
2014: $1.92M
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Glenstache on January 22, 2015, 03:22:09 PM
I agree about student loans... :(

Net Worth 12/27/13: -$343,441
Net Worth 12/26/14: -$279,390

Net worth improvement from end of 2013 to end of 2014: $64,051... Only 4+ years to go to hit $0 net worth if I keep on my current trajectory... *sigh*

Yikes that's a lot of student loans. I hope you have a good career out of it. Good job on churning on working them down, though. Keep it up.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dunhamjr on January 22, 2015, 05:23:28 PM
Paying off debt increases your net worth. Net worth is assets minus liabilities.

yeah i screwed up.  i was posting up numbers just from my investment accounts.
i just moved over to mint (nov/dec) and dont really have much in the way of accurate net worth numbers.

mint is telling me my net worth Jan 2015 is $532k.
i will have to be sure to watch this so i can make sure it hits at least $632k next year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: LiveLean on January 23, 2015, 01:44:57 PM
Net worth up 20 percent in 2014 despite one of worst years income wise ever. (I've been self-employed since 1999). Combination of stock market appreciation and hitting a home run on a foreclosure that will be a rental property/second home for now and a future FIRE home when I'm not living in a Sprinter Van.

Of course, I spent far more time than usual in 2014 on my investments and assets, which contributed to lesser year of income. I plan to take the same approach in 2015.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: anz.sp on November 16, 2015, 01:16:59 AM
All amounts in AUD. Moving to a low tax country two years ago helped the savings rate significantly. Also I took 6 months off work in 2015.

2012: 312k
2013: 432k
2014: 678k
2015: 818k (as of Nov 1st)


Sent from my iPad using Tapatalk
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Feefers on November 18, 2015, 08:27:04 PM
New to the forum!

Jan 2014: $3,500
Jan 2015: $16,000
Nov 2015:$57,800

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CanIndian on November 19, 2015, 09:36:23 AM
Nov 2011: -15,000 (debt -35,000)
Dec 2012: 1,000 (debt -30,000) hit positive NW.
Dec 2013: 10,200
Dec 2014: 48,500
Dec 2015: 90000 expected
Moving to a developed country from a developing one mid 2013 and hitting the 6 figure GAI benchmark immediately afterwards helped raise the savings rate and NW higher.

So the increase of 41500 for 2015 is the highest NW increase for me, as has been the norm for mostly everyone on this forum.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: stacheasaurus on November 19, 2015, 10:54:02 AM
Pretty new to the forum! 

Jan 2015: -11.5k
Nov 2015: 2k

increase of $13.5k!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Vertical Mode on November 19, 2015, 11:14:17 AM
2014: ~$72k
2015: ~$97k

~35% by my math. Pretty good year!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on November 19, 2015, 07:24:35 PM
Who necro'd this thread? Anyway while it's here, I'll edit the 1st post to 2015...

Come on guys and gals, spill the beans. How well did you do this year.

I started at around $419k and will end at about $534k. An increase of ~115k to the bucket.

Pretty good year :D though I actually had a bigger 2013 due to some higher shares and property value gains.

2012 - $295k
2013 - $419k
2014 - $534k

20 November 2015 I'm at $704,000. Hovering around this $700 mark with sharemarkets going down and up.

2016 is going to be pretty ordinary in comparison, and I'll tippie toe my way to about $775,000. There won't be any realestate  gains at all - they may even be negative.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Tjat on November 19, 2015, 07:33:44 PM
2014: $255K
2015: $388K

Increase of $133K. We renovated the house a bit in 2014, so some of that is driven by a real estate increase of about $40K.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mr_orange on November 19, 2015, 09:42:35 PM
2014 Ending - $1,013,000
2015 Ending (Projected) - $1,204,000

Increase should be roughly $191k or so; our best year to date.  We were hoping for a grander increase, but some sales have slipped into 2016 we were expecting to book profits for this year.  I'm hoping to clear $500k or more in net worth gains for next year assuming the stock market and Austin real estate market don't tank. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooperman on November 20, 2015, 05:29:28 AM
Beginning of the year: ~19k
July 14th (last day before first paycheck after being unemployed): ~7k (value of my car)
End of 2014: ~25k

End of 2015 looks to be around $57,500.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on November 20, 2015, 06:40:37 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on November 20, 2015, 07:04:10 AM
Didn't do too well this year. Mainly due to poor investment choices before discovering MMM and a pay cut at the old job.

1/2010 - $15,000
1/2011 - $30,000
1/2012 - $45,000
1/2013 - $65,000
1/2014 - $90,000
1/2015 - $105,500
1/2016 - 158,000 (Projected)

w00h00 +$53,000 / +50.2% this year
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on November 20, 2015, 07:55:22 AM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

11/20/2015 - (+)$ 92,790 Amazing year in 2015.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalLakes on November 20, 2015, 09:10:37 AM
This was my first year following MMM and tracking net worth.  2015 increase of 39,000.


Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: spud1987 on November 20, 2015, 10:16:24 AM
1/1/15 we were around 600k (my Mint accounts were messed up recently so I'm not exactly sure)

1/1/16 projected to be around 820k

Not bad for a flat market! Although we did probably earn about 20k in combined rental/dividend income. Plus I got lucky with an option trade back in August and that earned me about 4k in gains.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 20, 2015, 10:21:58 AM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Vertical Mode on November 20, 2015, 10:31:04 AM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.

Not too shabby at all. Great work! The hardest part is getting the ball rolling at the beginning, when your contributions move the needle the most.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 20, 2015, 10:49:56 AM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.

Not too shabby at all. Great work! The hardest part is getting the ball rolling at the beginning, when your contributions move the needle the most.

Yeah, unfortunately (or fortunately?) the NW is split by about $45k student loans (debt!) and $75k assets. So depending on how the market goes, we could grow pretty quickly next year. Of course, we also plan to buy a house, so there's that...

It is interesting to see people's NW without context, because I feel like $0 in general is very different from $100k in debt plus $100k assets, depending on what the rates on your loans are like!

PS- thank you =) This mustachianism thing really works!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on November 20, 2015, 12:07:05 PM
The year is not quite over yet, but it looks like we're on track  for our net worth to increase by 85% of our reported gross income, despite only having a savings rate of around 60%. 

I always exclude my primary residence from these calculations though, because I expect to always have a home (and its associated expenses) and so I don't anticipate selling.  If I were to include it, it would be more like 98% of income.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KittyFooFoo on November 20, 2015, 12:24:42 PM
The year is not quite over yet, but it looks like we're on track  for our net worth to increase by 85% of our reported gross income, despite only having a savings rate of around 60%. 

I always exclude my primary residence from these calculations though, because I expect to always have a home (and its associated expenses) and so I don't anticipate selling.  If I were to include it, it would be more like 98% of income.

Sorry, what does this mean exactly?  You saved 60% of net, probably kept your taxes down, and then had some other asset appreciation (maybe other real estate?) which bumped your NW increase to 85% gross?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on November 20, 2015, 12:30:39 PM
Sorry, what does this mean exactly?  You saved 60% of net, probably kept your taxes down, and then had some other asset appreciation (maybe other real estate?) which bumped your NW increase to 85% gross?

We saved/contributed about 60% of gross income (53% to 68%, depending on how you count it) and returns on assets already owned made up the rest of the gains to our net worth. Stocks didn't do so great this year, so it was mostly real estate this time around.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: TheFirstMan on November 23, 2015, 01:13:18 PM
Fun thread!

We're up 142K to 416K in 2015, with a month to go, on a gross income this calendar year of 75K.

Woot!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mrteacher on November 23, 2015, 01:43:41 PM
Up just under $27k since 1/1/15. I'd really like to hit $30k by the new year; I'll need an especially frugal December combined with some solid market returns.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: pharmmm on November 23, 2015, 04:37:03 PM
Per mint:

November 2014:-280,019
November 2015:-139,713

Change:$140,306
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KzooKendrick on November 24, 2015, 05:59:05 AM
Love this thread! I keep track of my NW monthly in Excel since I graduated college and found MMM.

Here it is:

Dec 2012: -$50K (College Debt + Car Debt)
Dec 2013: -$15K (Sold Car and found MMM)
Dec 2014: +$5K
Dec 2015: +$50K (Projected - Promotion in 2015 didn't hurt either :)

As you can see I found MMM in 2013 and have been going non-stop from there!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on November 24, 2015, 06:17:55 AM
Per mint:

November 2014:-280,019
November 2015:-139,713

Change:$140,306

That's amazing! Especially when interest works against you rather than with you. I don't know if that pace is sustainable but you will be debt free soon!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: the_gastropod on November 24, 2015, 06:26:34 AM
Per mint:

November 2014:-280,019
November 2015:-139,713

Change:$140,306

That is seriously impressive! Keep on cruisin'!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: umterp1999 on November 24, 2015, 06:39:21 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.

How do you factor pension into NW? 
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on November 24, 2015, 07:04:54 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.

How do you factor pension into NW?

It probably varies by place of employment but we are fully vested in our pension, which means if we left our jobs today or FIRED, we could take that money with us. We contribute 8% of gross salary per month, and our employer contributes a 6% match. Every year, they send us a pension statement in the fall that includes those amounts plus the performance of the pension investments based on market conditions. So we only know the true amount once a year, which is a bummer when trying to keep track of NW, but it is fun to add that big chunk once a year. Except they are already over one month late in getting us the numbers this year and I am itching to update our NW number!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Zaga on November 24, 2015, 08:26:10 AM
So far this year has been slower than the last 3 for net worth growth.  Obviously I don't trust any numbers until it's Jan 1, the market has been far too volatile.

Our savings rate is looking like it will be a tiny bit higher than our best year before this, so yay!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sparky28 on November 24, 2015, 08:33:56 AM
Nov '13 - $104k
Nov '14 - $142k
Nov '15 - $183k

Day to day, sometimes feel like I'm treading water, it's great to look at the bigger picture.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: umterp1999 on November 24, 2015, 09:17:03 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.

How do you factor pension into NW?

It probably varies by place of employment but we are fully vested in our pension, which means if we left our jobs today or FIRED, we could take that money with us. We contribute 8% of gross salary per month, and our employer contributes a 6% match. Every year, they send us a pension statement in the fall that includes those amounts plus the performance of the pension investments based on market conditions. So we only know the true amount once a year, which is a bummer when trying to keep track of NW, but it is fun to add that big chunk once a year. Except they are already over one month late in getting us the numbers this year and I am itching to update our NW number!

I see, my employer only sends out projected monthly payouts at retirement. 
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: golfreak12 on November 24, 2015, 09:46:28 AM
==>> End on Nov 2015.

$15,000- Rental house. Value went up. Estimated.
$30,000- Main house value went up. Estimated.
$8,500--  Principles paid down on both houses.
$59,000- Money saved from Income. Part of this was $11,000 tax refund and $5,700 settlement.
$0-          Market was flat this year.
$11,000- IRA from both of us.
$6,0000- HSA savings.
$5,000-   part time gig from my wife.
$6,000-   Gold given from my Mom.
--------------------------------------------------
~$140,500 so far this year. It helps that I hit $100K again this year.
~$503,000 NET WORTH
In the next few years, I will probably earn ~$80,000 so I need to make the money we have now earn money for us.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: adam on November 24, 2015, 11:40:18 AM
Random question:
I know some people include the estimated value of their primary residence in their NW calculations, and some don't. 
What about other 'things'?
Cars?
Boats?
Timeshares?

I ask because I don't include my house, but I do include the above.  Should I switch to solely cash type accounts? I don't have a ton of equity in the house, and the value estimates have been fluctuating wildly over the last 5 years so it just didn't seem worth it.  Cars/toys on the other hand seem to be a little more stable although they obviously decrease in value over time vs what real estate should do.  And in the case of the boat/timeshare they are paid for.  I can fairly easily sell a car or the boat, not so much the house.  I guess the easy answer is not to include any of them but then my number goes down :(

If you include your house, but not this other sort of property, why/why not?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: RWD on November 24, 2015, 11:47:55 AM
Random question:
I know some people include the estimated value of their primary residence in their NW calculations, and some don't. 
What about other 'things'?
Cars?
Boats?
Timeshares?

I ask because I don't include my house, but I do include the above.  Should I switch to solely cash type accounts? I don't have a ton of equity in the house, and the value estimates have been fluctuating wildly over the last 5 years so it just didn't seem worth it.  Cars/toys on the other hand seem to be a little more stable although they obviously decrease in value over time vs what real estate should do.  And in the case of the boat/timeshare they are paid for.  I can fairly easily sell a car or the boat, not so much the house.  I guess the easy answer is not to include any of them but then my number goes down :(

If you include your house, but not this other sort of property, why/why not?

I include my cars. I update the value once per year using KBB. I think this is fair, especially since I have a loan against one vehicle which is more or less offset by the car's value.

I don't have any boats or timeshares.

I don't include any smaller items, but if I sell something I'll count it as a credit towards that expense category. For example, if I sell a camera for $40 then buy a laptop for $500 my accounting will show I spent $460 on electronics (as opposed to having $40 extra in income and $500 in expenses). But this doesn't affect my net worth calculations.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 24, 2015, 11:52:47 AM
Random question:
I know some people include the estimated value of their primary residence in their NW calculations, and some don't. 
What about other 'things'?
Cars?
Boats?
Timeshares?

I ask because I don't include my house, but I do include the above.  Should I switch to solely cash type accounts? I don't have a ton of equity in the house, and the value estimates have been fluctuating wildly over the last 5 years so it just didn't seem worth it.  Cars/toys on the other hand seem to be a little more stable although they obviously decrease in value over time vs what real estate should do.  And in the case of the boat/timeshare they are paid for.  I can fairly easily sell a car or the boat, not so much the house.  I guess the easy answer is not to include any of them but then my number goes down :(

If you include your house, but not this other sort of property, why/why not?

I don't count wildly depreciating assets. I'm going to drive my car into the ground, and it will be essentially worthless once it gets to that point. Therefore, I don't count it. When I buy a house though, I intend to have the value the same or higher when I sell. Therefore, I will include it in NW calculations. (Also, I will have a loan on the house- I will need the value to offset the loan cost).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on November 24, 2015, 01:12:23 PM
I include the value of property for which the value is easily determined. Because of this, I include the KBB value of my car and the list price of my Magic card collection, but not things like beds or computers. I don't have a house, but I'd include that as well if I did.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Vertical Mode on November 24, 2015, 02:30:18 PM
I include the value of property for which the value is easily determined. Because of this, I include the KBB value of my car and the list price of my Magic card collection, but not things like beds or computers. I don't have a house, but I'd include that as well if I did.

Pooperman, what source are you using to determine list price of MTG cards? I have a bunch that I've been meaning to establish a value for/possibly sell. Also, do you have any idea where I might expect to get fair value for them? Listing KBB value for the car and other easily-quantifiable stuff seems like a logical approach.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on November 24, 2015, 02:45:58 PM
I include the value of property for which the value is easily determined. Because of this, I include the KBB value of my car and the list price of my Magic card collection, but not things like beds or computers. I don't have a house, but I'd include that as well if I did.

Pooperman, what source are you using to determine list price of MTG cards? I have a bunch that I've been meaning to establish a value for/possibly sell. Also, do you have any idea where I might expect to get fair value for them? Listing KBB value for the car and other easily-quantifiable stuff seems like a logical approach.
I use the buy list prices on MTGprice.com. I made a list of what I have that I'd actually sell (the investments) and then there's a feature of the site that allows you to see what you can get by selling them to online stores. They don't have every store, bury eh have enough to get a decent idea. You can get higher for certain in demand cards at the bigger events or by selling them yourself, but it's good to know the minimum you can get.

Example: I've got a bunch of lands from the last few sets that I got through playing or buying that is now buy listing for $625. The top end value (selling directly yourself) is about $1100. I spent about $700, though that's a bit fuzzy since I include the value of events I played in when i got them as the price.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on November 25, 2015, 01:07:11 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on November 28, 2015, 02:47:02 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: faramund on November 28, 2015, 11:27:25 PM
Well, this year it looks like the growth in my net assets (i.e. not including savings) was greater than my expenditure, for the first time EVER. It looks like it will be 13% growth, and my current expenditure to net assets is 10%. So in theory, I could retire with 3% left over for inflation.

The only problems are (1) that I can't access 2/3rds of my net assets for another 9 years, and (2) I'm sure that here in Australia we have a property boom, and I can't in any way count on that level of growth in the future.

My current model is for waiting another 7 years, until retirement, but I'm very (uselessly) thoughtful.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tesuzuki2002 on November 30, 2015, 08:53:16 AM

FY 2014 Ended  $436K
Estimated FY 2015  Ending  $520K

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: boarder42 on November 30, 2015, 10:50:10 AM
2013: ~153k
2014: ~253k
House value not included.
Found mmm in January. Was a pretty damn good year.

2015 expected - 343k

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tummyrubbingjesus on November 30, 2015, 12:08:20 PM
Hi all,


I'd like to know how you guys did this.
I attended another thread to get some insight into how somebody hit up to 300k in 4 years. A very impressive feat.

Some peoples' numbers here are also very impressive. I'd love to get some insight for everyone on how they managed to really get some awesome %s like that.


As an example:

"
In my case,
2013 =  38k
2014 ~ 121k
"


I mean even being able to save 80k tin a year.. that's a good % you're getting on any investment fund you're hitting.

It'd be really great if people could also give some of the funds/investments - or at least types of investment if they're shy about details - that they're taking to get some of these awesome number.



Inspired by the community here and Mr Mustache I started my first index fund account today, dropped some money into it and have set up a monthly contribution. Provided some advice from others on this site, plus a bit of research into the statistical past I took out the USA total market index one (the vanguard ) to get some of those percentages right now. The rate at the moment is relatively low ~6-7% but has a good history the past ocuple of years, and likely to keep growing over the next few years.

As i contribute further i'll be adding in some other markets too to make sure i get a bit of a range of funds.


One question I have is whether you guys in the US get taxed on this stuff? in the UK we have something called an 'ISA' which allows you to deposit £15,500(ish) per year that generates tax free interest. Once you start pushing above that you need another fund that can be taxed. How does it work for you Yanks?

TRJ
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on November 30, 2015, 01:17:47 PM
Some of us live in property markets that have experienced quite rapid growth. My 2 units have increased in value by about 11% this year (~$100,000). This is not taxable until I sell, and for one of them, will be tax free when sold.

Another $50,000 from cash savings and another $20,000 from retirement savings brings me up to $170,000 gain for the year.

Of course, property markets don't go up every year, so I don't count on that growth being repeatable all the time.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FIreDrill on November 30, 2015, 01:29:29 PM
Hi all,


I'd like to know how you guys did this.
I attended another thread to get some insight into how somebody hit up to 300k in 4 years. A very impressive feat.

Some peoples' numbers here are also very impressive. I'd love to get some insight for everyone on how they managed to really get some awesome %s like that.


As an example:

"
In my case,
2013 =  38k
2014 ~ 121k
"


I mean even being able to save 80k tin a year.. that's a good % you're getting on any investment fund you're hitting.

It'd be really great if people could also give some of the funds/investments - or at least types of investment if they're shy about details - that they're taking to get some of these awesome number.



Inspired by the community here and Mr Mustache I started my first index fund account today, dropped some money into it and have set up a monthly contribution. Provided some advice from others on this site, plus a bit of research into the statistical past I took out the USA total market index one (the vanguard ) to get some of those percentages right now. The rate at the moment is relatively low ~6-7% but has a good history the past ocuple of years, and likely to keep growing over the next few years.

As i contribute further i'll be adding in some other markets too to make sure i get a bit of a range of funds.


One question I have is whether you guys in the US get taxed on this stuff? in the UK we have something called an 'ISA' which allows you to deposit £15,500(ish) per year that generates tax free interest. Once you start pushing above that you need another fund that can be taxed. How does it work for you Yanks?

TRJ


I'll give you a breakdown of our projected increase this year and some details behind it.

Start of 2015 = 106k
Start of 2016 = 200k


Tax Deferred Investment Contributions...

Wife 401k = 18,000
Wife 401k Match = 1,500
Wife IRA = 5,500
Husband 401k = 18,000
Husband 401k Match = 6,500
Husband IRA = 5,500

Total tax deferred investments = 55,000

Other added "Investments"

Home value increase + principle pay down = 20,000
Taxable investments = 10,000
Cash = 10,000

Combined for a total estimated increase of 95,000 in 2015.  The market was pretty flat this year so I really didn't get any help from that.


As for what I'm invested in.... Low cost total market index funds such as VTSMX or FSTMX with a Asset allocation of roughly 20% bonds and 80% stocks.  Basic breakdown would be 20% in Vanguard VBMFX and 80% in VTSMX or similar funds.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tummyrubbingjesus on November 30, 2015, 02:01:46 PM
Ah, great.


That makes a lot of sense. I wasn't really thinking about property investments. I've just bought my first house now and so i guess that will be a contributing factor.  I don't really have a wife, i guess if two people are putting into matched retirement funds and saving cash ... well that helps a lot.


I'm unhindered by marraige or kids but can save a pretty decent sum per year. I'm hoping to get some great advances like that as I move along in the world.

Thanks for the breakdown - and anyone else please feel free to break down your gains - give back with words of wisdom.

TRJ
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 30, 2015, 02:03:43 PM
I don't really have a wife,

(http://cdn.someecards.com/someecards/usercards/i-dont-have-a-girlfriend-i-just-know-a-girl-who-would-get-really-mad-if-she-heard-me-say-that-mitch-hedberg-5b5b6.png)

Couldn't resist.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: faramund on November 30, 2015, 05:22:56 PM
This is the sort of comment that many people will disagree with, because ... I have a margin loan with my shares.

So, if I had 10 dollars, in equity, I'd take out a $10 margin loan. For me, my margin loan is 7% interest, which because I'm in a 38% tax bracket, means its really about 4%. So this year, my shares grew 8.5%. So 20 dollars would become 21.70 then minus the interest of 0.40 becomes 21.30, so 1.30 gain on $10, so 13% growth in net assets.

I'm in Australia and the stock market here is still well down on 2008, and currently has a dividend yield of 5% (so the dividend pays the interest on my margin loan). Hence I think the chance of a major downturn is low. I'm also very widely diversified (50 stocks - none more than 6% of my portfolio)

I would NOT do this in a booming market. In a booming market you can make a good return without leverage, and after most booms, comes a bust, which is very painful if you're leveraged. 

Given, how high PE rations are in the USA - its an example, of somewhere where I would NOT use this strategy now.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: SwordGuy on November 30, 2015, 07:39:06 PM
We're packing up to move and some of the papers aren't available, so I'll just include some approximations.  Plus, my mom died and left us some assets but I won't be including those as they had nothing to do with any actions we took:


401k for wife and I:    46,000
401k match          :~    4,000
Vanguard purchase:    12,500
Rental #1:                 35,000    Appreciation from repairs made.
Rental #2:                 30,000    Ditto
New House                 97,000    Difference between purchase and appraised price.
===================
                              $224,500


Have no idea on what the stock market gains or losses were.

Our income should go also go up by $9,600 from the two rentals (Net profit, after current and projected expenses).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on November 30, 2015, 09:13:43 PM
just started tracking

11/1 - $105,409
12/1 - $112,227 (few hours early)

some favorable market gains this month
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: K-Dogg on December 01, 2015, 05:09:26 PM
My networth is January was around -15k. But as of today it's +45k! So I'm pretty happy about that.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: AcftW on December 01, 2015, 05:44:15 PM
End of 2014 Net Worth: 2k
End of 2015 Net Worth: 40k now, expected 44k by the end of this month.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: PharmaStache on December 01, 2015, 06:08:30 PM
About 100k.  350-450k.  Pretty awesome!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on December 02, 2015, 10:05:11 AM
calculating net worth question:

Is debt (mortgage) on a rental property counted against net worth?  Currently I am not adding this debt because I consider my rental an asset.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: RWD on December 02, 2015, 10:07:51 AM
calculating net worth question:

Is debt (mortgage) on a rental property counted against net worth?  Currently I am not adding this debt because I consider my rental an asset.

Yes. You should count the approximate value of the rental towards your net worth and subtract the mortgage. Your positive equity is what remains.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on December 02, 2015, 10:55:02 AM
calculating net worth question:

Is debt (mortgage) on a rental property counted against net worth?  Currently I am not adding this debt because I consider my rental an asset.


Yes. You should count the approximate value of the rental towards your net worth and subtract the mortgage. Your positive equity is what remains.


ugh okay, I'll have to re-calculate
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on December 02, 2015, 02:04:26 PM
just started tracking

11/1 - $105,409
12/1 - $112,227 (few hours early)

some favorable market gains this month

New NW factoring in debt from mortgage on rental:

11/1/15 - +16,353
12/1/15 - +23,425
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: adam on December 02, 2015, 02:14:20 PM
I started tracking just cash accounts, no cars, no boat, no house.  But I don't have history, so...

including car values (negative), boat value (positive), and timeshare value (positive?)
We went from ~$80k to ~$127k

I think I'm going to prefer the non-equity accounting because that $127k is after I updated my vehicle values, which obviously went down.  I also need to start tracking the wife's retirement account. Not a lot goes in there right now but I think she's got like $30k.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 02, 2015, 02:30:14 PM
I started tracking just cash accounts, no cars, no boat, no house.  But I don't have history, so...

including car values (negative), boat value (positive), and timeshare value (positive?)
We went from ~$80k to ~$127k

I think I'm going to prefer the non-equity accounting because that $127k is after I updated my vehicle values, which obviously went down.  I also need to start tracking the wife's retirement account. Not a lot goes in there right now but I think she's got like $30k.

a timeshare is negative equity its a money pit
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Kiwi Mustache on December 02, 2015, 02:51:42 PM
Start of year-

61k cash/bank deposits
19k superannuation
80k total

Now (3rd December)-
750k investment property
630k property loan
120k equity in property
14k share portfolio
25k superannuation
159k total

So basically doubled my money in one year :)

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: adam on December 04, 2015, 10:56:25 AM
I started tracking just cash accounts, no cars, no boat, no house.  But I don't have history, so...

including car values (negative), boat value (positive), and timeshare value (positive?)
We went from ~$80k to ~$127k

I think I'm going to prefer the non-equity accounting because that $127k is after I updated my vehicle values, which obviously went down.  I also need to start tracking the wife's retirement account. Not a lot goes in there right now but I think she's got like $30k.

a timeshare is negative equity its a money pit
Yeah it incurs a cost, but I don't  owe anything on the mortgage and theoretically I could sell it now.  Most people just end up giving them away though so at worst its probably a wash. (after the sunk cost)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FireLane on December 11, 2015, 03:44:53 PM
As of January 1 of this year, my NW was $573K. I did the math this week and realized that between 401K contributions (hit the max contribution amount, plus a 50% company match), taxable contributions to Vanguard and Lending Club, and increased home equity from paying down my mortgage, my NW has increased by just over $100K, even with a flat stock market.

That's a lot better than I had expected. I'm really looking forward to next year, when I'm hoping the economy will do better and we'll see some real stock market growth.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MilesTeg on December 11, 2015, 06:48:23 PM
Total: $85k

Target was $100k, but stock markets did not cooperate this year. Yay for diversification though, as I could have missed the target much worse if not for house and liquid savings.

More importantly, my outstanding debt was reduced by almost $20k
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 11, 2015, 07:31:41 PM
As of January 1 of this year, my NW was $573K. I did the math this week and realized that between 401K contributions (hit the max contribution amount, plus a 50% company match), taxable contributions to Vanguard and Lending Club, and increased home equity from paying down my mortgage, my NW has increased by just over $100K, even with a flat stock market.

That's a lot better than I had expected. I'm really looking forward to next year, when I'm hoping the economy will do better and we'll see some real stock market growth.

Or a real correction -_-
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 11, 2015, 08:01:23 PM
As of January 1 of this year, my NW was $573K. I did the math this week and realized that between 401K contributions (hit the max contribution amount, plus a 50% company match), taxable contributions to Vanguard and Lending Club, and increased home equity from paying down my mortgage, my NW has increased by just over $100K, even with a flat stock market.

That's a lot better than I had expected. I'm really looking forward to next year, when I'm hoping the economy will do better and we'll see some real stock market growth.

Or a real correction -_-

Or maybe it just does nothing for 20 years...
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 11ducks on December 11, 2015, 08:44:36 PM

My net worth (excluding retirement funds - around $53k)

Jan 1 2014  -$33,600 owed (student loans)
1 Jan 2015  -$21,000 owed
12 Dec 2015 -$2,242 owed  - so close to free!!!!

Have increased my NW by $18,758 this year! (around 40% of my net income). I would have broken even by now (NW$0) if it weren't for $5k of unexpected dental bills (on top of $5k budgeted for dental bills) in 2015. By the end of Feb 2016, i'll be free of student loans.  It can feel so hard to make a significant difference, scrimping and saving on a single parent income - but looking back now, I'm so very glad I found MMM!!!!!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on December 11, 2015, 09:19:17 PM
Or maybe it just does nothing for 20 years...

That would also be fine with me.  My annual savings still far exceed my average annual market returns, and a flat market for 20 years means I'm guaranteed a flat 5% SWR for that period.  Win! 

Of course it's even better than that, since there has never been a 20 year period in US market history where the market wasn't positive.  I guess there's a first time for everything?  If you're the type that honestly believes that the next 20 years are going to be worse than the great depression, two world wars, and the rise of OPEC during stagflation and the much ballyhood "death of equities" period, then you probably should be living somewhere else.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 11, 2015, 10:21:53 PM
Or maybe it just does nothing for 20 years...

That would also be fine with me.  My annual savings still far exceed my average annual market returns, and a flat market for 20 years means I'm guaranteed a flat 5% SWR for that period.  Win! 

Of course it's even better than that, since there has never been a 20 year period in US market history where the market wasn't positive.  I guess there's a first time for everything?  If you're the type that honestly believes that the next 20 years are going to be worse than the great depression, two world wars, and the rise of OPEC during stagflation and the much ballyhood "death of equities" period, then you probably should be living somewhere else.

1973-1985 wasn't a good time. I think it was negative slightly after inflation, but basically flat. Not a good time for stocks.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on December 12, 2015, 04:25:33 PM
1973-1985 wasn't a good time. I think it was negative slightly after inflation, but basically flat. Not a good time for stocks.

Yep, there have been several periods of 10-12 years where the market dropped back down to previous highs, so it looks "flat" from the perspective of straight up index price if you ignore dividends.  But extend that time period to 15 or 20 years?  Suddenly we're back in wildly positive territory again because each of those 10-12 year "flat" periods is bracketed by growth periods.

Seriously people, get a grip.  There's been WAY too much doom and gloom around these parts recently.  Of course the market will crash again in the future, as it always has.  Then it will rise again.  On average it will do something between 5 and 10% per year, depending on which parts of it you are invested in.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 12, 2015, 05:14:26 PM
1973-1985 wasn't a good time. I think it was negative slightly after inflation, but basically flat. Not a good time for stocks.

Yep, there have been several periods of 10-12 years where the market dropped back down to previous highs, so it looks "flat" from the perspective of straight up index price if you ignore dividends.  But extend that time period to 15 or 20 years?  Suddenly we're back in wildly positive territory again because each of those 10-12 year "flat" periods is bracketed by growth periods.

Seriously people, get a grip.  There's been WAY too much doom and gloom around these parts recently.  Of course the market will crash again in the future, as it always has.  Then it will rise again.  On average it will do something between 5 and 10% per year, depending on which parts of it you are invested in.

The bands of flat are bigger. The two major ones: 1928-1950 (22 years) and 1965 - 1982 (17 years). This is with inflation and dividend reinvestment. The gains are 10-20 year periods like 1950-1965 (15 years) and 1982-2000 (18 years). 2000-2014 (14 years) was a pretty flat time as well, maybe you count this year and make it 15 years. You're right about the trend, but it's bigger.

I don't really care though. Money goes in, it grows eventually.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: pancakes on December 13, 2015, 12:26:15 AM
My husband and I started 2014 with $123 000 and finished up with $150 000

I'm very happy with our $27k increase which was almost exclusively from savings but I believe that we are capable of saving over $40k/year.
Interesting to look back on this. We made it to the end of November up $37k, looking to just scape a $40k increase by the end of the year. We've taken a couple of holidays and moved house but also both increased our earnings. Overall I'm pleased.

Our small share portfolio (managed fund) is currently down around 5% from where it started in January which seems to be similar to what the major Australian indexes have done. I'm still chicken on the investing front and plenty of people probably have done well in the Australian market this year, but at least I don't feel like I've missed out a year of great growth?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 13, 2015, 01:35:06 AM
I don't want to talk about it :-(
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 13, 2015, 03:06:23 AM
My husband and I started 2014 with $123 000 and finished up with $150 000

I'm very happy with our $27k increase which was almost exclusively from savings but I believe that we are capable of saving over $40k/year.
Interesting to look back on this. We made it to the end of November up $37k, looking to just scape a $40k increase by the end of the year. We've taken a couple of holidays and moved house but also both increased our earnings. Overall I'm pleased.

Our small share portfolio (managed fund) is currently down around 5% from where it started in January which seems to be similar to what the major Australian indexes have done. I'm still chicken on the investing front and plenty of people probably have done well in the Australian market this year, but at least I don't feel like I've missed out a year of great growth?

I think you'd struggle to find anyone who has had a year of great growth, unless your portfolio consisted of Blackmores, A2 Milk, Capilano Honey and Bellamy's.

Big Banks, BHP, Woolies and Woodside are all down, dragging the index with them. Market mood is so pessimistic right now, good opportunity to be able to accumulate over a long period of time.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dude on December 14, 2015, 12:42:27 PM
Hmmm, last NW calculation was before Friday's big market drop, on Nov. 24th.  I have a 1/9/15 calculation to compare it to.  Over that period, net worth increased 26% by my math. 

In addition, an $8K pay raise this year will affect my pension when I collect it a few years from now, going forward until I die, to the tune of @$3250/year minimum (assuming a 30-year retirement, that's an additional $97,500 in today's dollars).  I count that as something of a net worth increase!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: manonfire1007 on December 14, 2015, 11:59:54 PM
Went from -520k (professional loans for 2 plus house) to -460k while adding a paid for 20k car and 27k 401k (after match) and 5k deferred comp. I read that as a 113k positive move. It does not count appreciation of what is in the 401k this year.
460k in debt to go. I pay 9250 a month at it and it will be gone by sept 2020.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: G-dog on December 15, 2015, 05:40:57 PM
About 52K, and I retired at the beginning of July so no income since then.
It was better, but the market took some back.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 16, 2015, 02:30:42 AM
Went from -520k (professional loans for 2 plus house) to -460k while adding a paid for 20k car and 27k 401k (after match) and 5k deferred comp. I read that as a 113k positive move. It does not count appreciation of what is in the 401k this year.
460k in debt to go. I pay 9250 a month at it and it will be gone by sept 2020.

Your houses have value.... why exclude the value of your house but include the loans?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: WerKater on December 16, 2015, 04:05:55 AM
My net worth is up from 105k€ to ~130k€ (23.8%)
(assuming equity prices remain constant until end of the year and I get my one additional savings rate in as planned)
I have no debt and no house. Value of unproductive assets (car and such) not included.

Most of the increase is from additional savings. My funds went up/down by the following percentages over the course of 2015:
Europe LC       Europe SC     N. America LC   N. America SC    Em. Markets   Commodities   
7,8%   20,7%   9,76%   4,0%   -10,8%   -25,2%
Weighted average: 3.3%. Diversification is an awesome thing.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: eyePod on December 16, 2015, 08:00:30 AM
Up 50k so far. Hopefully a little more by the end of the December (we get an extra paycheck this month).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Jon_Snow on December 16, 2015, 08:06:32 AM
I would guess around 100k-ish...investments have been a bit flat this year, though they continue to spin off dividends and distributions like always.

B.C. (and to a lesser degree, Mexico) real estate though...a freight train that cannot be stopped (yet)...is a large factor in us being 100k "richer" on paper.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 16, 2015, 08:12:49 AM
Dec 2013 - $210K
Dec 2014 - $327K
And we're at $422K as of Dec. 2015.  With the markets more or less flat, and no home sale / purchase to record a gain on this year, I'll take it.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FLBiker on December 16, 2015, 08:15:53 AM
Come on guys and gals, spill the beans. How well did you do this year.

I started at around $419k and will end at about $534k. An increase of ~115k to the bucket.

Pretty good year :D though I actually had a bigger 2013 due to some higher shares and property value gains.

2012 - $295k
2013 - $419k
2014 - $534k

Wow, we're virtually identical.

2014 - $407K
2015 - $527K

Gain of $120K.  Next year will be less because my wife is going to be a SAHM until Jan 2017 (or possibly Aug 2017).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: charis on December 16, 2015, 08:45:43 AM
This is the first year that I've tracked our net worth.

Jan. 2015 = $7,777 NW

Dec. 2015 = $52,000 NW (projected to add another $2K by end of the month)

That's nice.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FIPurpose on December 16, 2015, 10:13:02 AM
2014 end: 53k
2015 end: ~131k

I guess gotta see how the end of year stocks play out, but about a 80k gain. This year I saw about a 10% raise in pay, and modest bonuses. My wife had fantastic bonus earnings and an 11% increase in pay. Hoping the market adds at least 10k, and I hope we can add about 90k for 2016.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: manonfire1007 on December 16, 2015, 11:22:43 PM
Went from -520k (professional loans for 2 plus house) to -460k while adding a paid for 20k car and 27k 401k (after match) and 5k deferred comp. I read that as a 113k positive move. It does not count appreciation of what is in the 401k this year.
460k in debt to go. I pay 9250 a month at it and it will be gone by sept 2020.

Your houses have value.... why exclude the value of your house but include the loans?
That's a good point. I wasn't consistent. I counted the car but not the house. My focus is really on killing debt, so I try to just look at the debt and not the net worth. Once the debt is gone the net worth will be a nice new goal to focus on. It should be around 500k when debt is done
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: lhamo on December 17, 2015, 10:47:38 AM
I would guess around 100k-ish...investments have been a bit flat this year, though they continue to spin off dividends and distributions like always.

B.C. (and to a lesser degree, Mexico) real estate though...a freight train that cannot be stopped (yet)...is a large factor in us being 100k "richer" on paper.

Similar situation here -- we're up about $150k at the moment, but about $90k of that is on our Beijing apartment.  Things have bounced around a lot, though -- lowest point was around -20k compared to last year's final total (in early February) and highest point was +240k in late November (before I noticed I needed to adjust the exchange rate on the property value).

Not bad considering my income stopped in July, we're still paying high school fees for the kids, and we're paying two sets of household expenses.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on December 18, 2015, 12:49:55 AM
I would guess around 100k-ish...investments have been a bit flat this year, though they continue to spin off dividends and distributions like always.

B.C. (and to a lesser degree, Mexico) real estate though...a freight train that cannot be stopped (yet)...is a large factor in us being 100k "richer" on paper.

Similar situation here -- we're up about $150k at the moment, but about $90k of that is on our Beijing apartment.  Things have bounced around a lot, though -- lowest point was around -20k compared to last year's final total (in early February) and highest point was +240k in late November (before I noticed I needed to adjust the exchange rate on the property value).

Not bad considering my income stopped in July, we're still paying high school fees for the kids, and we're paying two sets of household expenses.

Similar, 2/3 of our NW increase is due to our CA house valuation: +$170k on that house alone (eye pop). 

And money is flying out window between tuition and ... well ... tuition... and now, w DD2 starting college,... more tuition.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Crystal1588 on December 18, 2015, 08:00:02 AM
2009: $38k
2010: $60k
2011: $83k
2012: $107k
2013: $176k
2014: $182k
2015: Looking to be around $222k

Hoping to hit 300k at end of 2016
I'm 27, husband 29
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: freebeer on December 18, 2015, 09:06:34 AM
Come on guys and gals, spill the beans. How well did you do this year...

-55% MOL

(divorce, sigh)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 18, 2015, 09:30:55 AM
JAN 2014 - $364k (owned a truck, a garage full of "stuff," investments were fairly conservative and spread across 30 high fee funds. And half that $364k was cash!
DEC 2014 - $458k (sold truck, sold stuff, started Roth IRA for DW, got into Vanguard with a much more aggressive AA, deployed and came close to maxing the extended TSP limit)

DEC 2015 - $525k give or take what happens next week.  This year was fairly straightforward as far as AA and contributions go so my NW increase was pretty much what I put in to it since I had zero growth.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: lhamo on December 18, 2015, 09:39:57 AM
I would guess around 100k-ish...investments have been a bit flat this year, though they continue to spin off dividends and distributions like always.

B.C. (and to a lesser degree, Mexico) real estate though...a freight train that cannot be stopped (yet)...is a large factor in us being 100k "richer" on paper.

Similar situation here -- we're up about $150k at the moment, but about $90k of that is on our Beijing apartment.  Things have bounced around a lot, though -- lowest point was around -20k compared to last year's final total (in early February) and highest point was +240k in late November (before I noticed I needed to adjust the exchange rate on the property value).

Not bad considering my income stopped in July, we're still paying high school fees for the kids, and we're paying two sets of household expenses.

Down another 10k yesterday.  I expect things will bounce around a bit more before the end of the year.  Just hoping I can manage to initiate DH's small Roth conversion when things are up, and then have them drop over the next few days.  Yes, I am a dirty market timer....
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dandarc on December 18, 2015, 10:06:54 AM
Down another 10k yesterday.  I expect things will bounce around a bit more before the end of the year.  Just hoping I can manage to initiate DH's small Roth conversion when things are up, and then have them drop over the next few days.  Yes, I am a dirty market timer....
I hope this lasts at least till my check clears in January.  Into Feb. would be even better - wife's 457 contributions will start back up again in late January / Early Febrary.  Front-loading can be exciting!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: gecko10x on December 18, 2015, 01:30:26 PM
Just went and figured out this year and last year:

2013 NW increase: $38k
2014 NW increase: $44k
2015 NW increase: ~$59k

It's nice to see the the increases rising!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 18, 2015, 02:22:25 PM
Come on guys and gals, spill the beans. How well did you do this year...

-55% MOL

(divorce, sigh)


Ouch, sorry to hear that.


Tongue in cheek but judging by some of the stories we hear on this board you're lucky to walk away with 45%. Seems to be that the ex-husband ends up with 20%, ex-wife gets 20% and the lawyers get 60%.



Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: AlwaysLearningToSave on December 18, 2015, 02:40:55 PM
Only discovered MMM this year, so I don't have exact numbers, but I feel good because it went from negative to positive!  Probably in the ballpart of $25k increase.  I'll track it in 2016 and expect for it to be a good year!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on December 22, 2015, 08:49:57 AM
Come on guys and gals, spill the beans. How well did you do this year...

-55% MOL

(divorce, sigh)


Ouch, sorry to hear that.


Tongue in cheek but judging by some of the stories we hear on this board you're lucky to walk away with 45%. Seems to be that the ex-husband ends up with 20%, ex-wife gets 20% and the lawyers get 60%.

Amen!  YMMV but I found post divorce that once I had control over my expenses and investments (and my drain of a former spouse was out of the picture) my NW grew at a much more enthusiastic pace.  DH found the same after the split from his first spouse. 

I hope it will be the same for you.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Gen Y Finance Journey on December 22, 2015, 05:11:16 PM
I don't keep the best records because my husband has some separate accounts that I don't have in my spreadsheet, and I don't do a great job of tracking the estimated value of our house, but we're looking at something like:

Jan 2015: ~$274k
Dec 2015: ~$344k

My husband quit his job halfway through the year and will be becoming a SAHP in 2016, so given that we're not bringing in as much money any more, I'm setting what I think is a very reasonable goal of $400k by the end of 2016.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:20:28 AM
My increase was about $32k this year.

(I think)(I'm on holidays so I can't check my spreadsheet, haha)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:24:10 AM
Nudelkopf! Where are you holidaying?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:38:21 AM
Nudelkopf! Where are you holidaying?
With my parents, so it's not *that* exciting! I just didn't bring my laptop which has my spreadsheet on it (I'm regretting not emailing it to myself because I'm away for 4 weeks).

Did I miss yours, Marty? What was your NW increase?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:41:49 AM
I get paid in about 10 minutes from now (so sad that I know how when payroll hits my account lol) so if I add that in it will be about $175,000, give or take.

Pretty good year. $100k from that is conservatively revaluing my properties up. The rest is super and cash/mortgage offset. Shares have gone backwards.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:43:23 AM
Your property has smashed it this year!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:48:02 AM
I may have to spend some time up in QLD looking for the next one. Sydney is teetering back and forth on the edge :P
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:50:53 AM
Oooh, Marty branching out to Qld? It is the best state.. All this sunshine! You should move here :P
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:53:41 AM
Hehe, very tempting nudel...
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Money Badger on December 23, 2015, 05:48:03 PM
Had a "what the he$$ happened" moment first reading this thread in the December 2014 posts with all those wonderful, crazy gains...   2015 is a bit more "back to reality" with both net winners and net losers so far...   

I tried to update my net worth today, but the market isn't quite done jerking around my energy holdings.   After getting creamed all month, one energy MLP fund went up 12% today alone due to lower oil inventory reports causing "panic buying" and fund leverage.   The rest of the stache is fairly defensively deployed with more than half in cash.   Excluding that interesting energy sideshow, it's up 6% net worth gain on principal this year vs. a Dow decrease -3%+ this year to date.   Not great and not the worst.   Will have to post after New Year's to say how things really turn out though with all the fund managers' window dressing going on right now.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: frizzywhiskers on December 29, 2015, 03:24:51 PM
Things are coming along nicely......

2012 - $457,388
2013 - $560,203
2014 - $637,679

Not too shabby considering we moved into a new home in 2013 and had lots of extra costs related to that.

Onward to 2015!

Net worth December 29th 2015 - $752,447 - broke the 3/4 of a million mark!  Nice! :o)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: PharmaStache on December 30, 2015, 08:06:04 AM
2014- 369k
2015- 469k

Exactly 100k increase.  30k more until 500k….huge milestone! Should be there by June.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Paul | pdgessler on December 30, 2015, 08:15:21 AM
I'm up about $40k this year, going from roughly $30k in the red (mostly student loan debt, now paid in full) to about $10k in the black. Onwards and upwards!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 30, 2015, 12:44:31 PM
I'm up about $40k this year, going from roughly $30k in the red (mostly student loan debt, now paid in full) to about $10k in the black. Onwards and upwards!

Paul, going from Red to Black is a huge first step.  Keep it up!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 30, 2015, 12:55:10 PM
Yearly increase of about $32k ($25.5k -> $57.5k).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KittyFooFoo on December 30, 2015, 10:34:58 PM
2014: -$110k (I think) --> -$60k
2015: -$60k --> $20k

It was -$130k at the lowest.  Woooo!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: aceyou on December 31, 2015, 05:08:35 AM
Net worth at Beginning of Year: 190k
Net worth at End of Year: 277k
Increase in Net Worth: 87K

Notes:
- 64k of that increase is from increased home value on Zillow, which I think is over inflated.
- Net worth increase not counting home appreciation: 23K.
- My wife and I pay into pensions.  The value of this at the start of the year was 60k and at the end of the year was 100k.  I didn't include that into the numbers above, but technically it's there. 
- My net worth is 378K and it increased by 127K if you include the increase in pension value. 

Milestones:
- Broke the quarter million mark this year for NW
- started 403B and Roth IRA (both vanguard)
- Have a FIRE plan
- Spending less than since I was in college and am happier than ever
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: aj_yooper on December 31, 2015, 06:15:56 AM
aceyou,  your progress this year is amazing!  You have it going.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MVal on December 31, 2015, 08:52:19 AM
No official figure for last year and this is the first year I've kept track, but based on what I've added this year, I believe I was worth about $24,500.

2015: added $24,000 between all accounts (401K, Roth, HSA, savings) and plus all that my employer added, my new NW is $50,000.
2016: on track to add $30K across all accounts.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: GoldenNeko on December 31, 2015, 10:25:16 AM
dec 2011   -8 700 €   
dec 2012   -8 800 €
dec 2013   -4 270 €
dec 2014    1 660 €
dec 2015   13 560 €
         
So networth almost x10 this year (yep, easily done at this low level of stash!)

I discovered MMM at the beginning of the year. I finished this month paying my last debt. I've never felt this wealthy!
FIRE goal is 500 000€, hopefully in 2030.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 31, 2015, 12:34:33 PM
This thread made me curious about our progress.  We haven't tracked NW so I went to Vanguard and just pulled our retirement savings totals for as far back as I could.  Feel pretty good about this, but regret the $ wasted over the years before landing on MMM.  Hoping to see some bigger gains going forward.  :)     

$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
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on December 31, 2015, 12:59:09 PM
Final numbers are in!

January 2015: $775,000
December 2015: $908,767  (a total increase of $133,767)
Hoping to hit 1M in 2016!

Congrats to all of you increasing your NW! Especially those of you killing debt and going from negative to positive. Keep it up!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 31, 2015, 02:40:59 PM
Net worth progress -
2012 - $219k (age 30, gross income $82k)
2013 - $315k (age 31, gross income $79k)
2014 - $420k (age 32, gross income $87k)
2015 - $475k

Hoping to meet my financial goals in the next 6-10 years: a paid off house + $1.3M stash to support the 'failproof' 3.29% withdrawal rate via ~80% savings rate, 90/10 asset allocation. The strong market returns will likely not continue indefinitely.
Onwards and enjoy!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: kudy on December 31, 2015, 02:43:34 PM
My net worth increased about equal to my salary for the year. Aggressive savings + 401k match + market gains + equity in my house!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: RetirementDreaming on December 31, 2015, 03:12:30 PM
2013: 109k
2014: 255k
2015: 367k

I shouldn't feel disappointed but I do.  We save 90k this year (our highest amount ever).  I was hoping for a 150k increase between contributions and market gains.   Next year we will save 120k, really hoping to hit 500k+.

Just realized I left out home value.  I included the liability but not the value of the home. 
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on December 31, 2015, 04:37:19 PM
My net worth increased about equal to my salary for the year. Aggressive savings + 401k match + market gains + equity in my house!

This was me last year.  Isn't that a great feeling?  Mine was fueled by market gains, which I don't have this year.  This year my NW gain is only about half my gross salary, almost entirely due to savings/employer matching.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Mormon Money Mustache on December 31, 2015, 04:58:29 PM
2014: $135,500
2015: $266,000

Hoping for a huge 2016 to get up to $500k!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: alphapotato on December 31, 2015, 05:22:49 PM
As of today... Net worth of $20,000, up from $5,700 a year ago! That's 350%! If I can just keep that up for a couple of years, I'll be able to afford a home in Portland, OR in...a decade or so.

In all seriousness, feels good.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: jorjor on December 31, 2015, 05:24:47 PM
Okay, after today's drop in the market we are at:

12/31/2014: $132,000
12/31/2015: $272,000

2014 was estimated since I only started tracking in in mid-January 2015. About $20k of the increase is due to home price appreciation which has high transaction costs to realize (it's also estimated on Zillow which is iffy).

I found this site in March. It was a good first partial year working into the MMM mentality. Looking forward to what 2016 brings!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dmbsux on December 31, 2015, 09:19:58 PM
I kind of hate all you folks who saw huge NW increases because of home appreciation.  Just kidding!  (Not really though)

Added $49K more to investments this year.  Two kids, daycare, and make only 110K.  So did it the old fashioned way :)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Money Badger on January 01, 2016, 06:58:15 AM
2014: -$110k (I think) --> -$60k
2015: -$60k --> $20k

It was -$130k at the lowest.  Woooo!

An $80K jump in one year is impressive.    AND moving to positive NW is absolute awesomeness!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: lhamo on January 01, 2016, 11:11:17 AM
Looks like our net worth went up roughly 177k in 2015-- not bad considering I stopped working/having an income in June, and we continued to have very high expenses related to kids schooling, supporting two households, international travel and medical expenses.

There was a check in the mail for roughly 9k for the reimbursement of DH's surgery, so we could probably add that in, but I'll let it post tomorrow to give us an immediate bump. 

As anxious as I am to sell the apartment, holding on to it has been good for us financially -- it represents nearly 110k of our overall networth gain.   Estimated value hit an all time high on 12/31/15.  Hoping it holds in 2016.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Jessamine on January 01, 2016, 12:33:04 PM
2013: 179k
2014: 200k
2015: 340k (80k was from increase in home value)

I've been reading PF blogs on and off for a few years, but didn't find MMM until this year and finally understood what FI means and how to go about achieving it.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Civex on January 01, 2016, 01:10:55 PM
For me, 2015 was the year of the Roth.

2014: -$66,200
2015: -$3,910

Change of $62,290; ~$40k of which was via the Mega Roth IRA. All due to investing and paying down my student loan. I am pretty excited to be getting back into the black, and cross into the $100k portfolio this spring (barring a huge drop in the market.)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: samburger on January 01, 2016, 08:16:22 PM
My tiny baby 'stache started to feel like real money this year:

2013: $14k
2014: $41k
2015: $81k

So that's ~$40k invested this year, less whatever measly gains the market gave me.

Here's hoping 2016 is the year of increasing income!
 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RFAAOATB on January 01, 2016, 11:22:34 PM
Approximate end of month numbers especially in regards to home value minus mortgage:

12/2011:  -21,454.61
12/2012:   30,524.88
12/2013:   75,132.59
12/2014:  118,931.06

And the 2015 number is $148,507.67 in a more expensive year with slower returns.  2016 should have an increased focus on pre tax investments and less so on paying down the mortgage.  Not baller status yet.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Zikoris on January 01, 2016, 11:33:44 PM
Not as huge a leap as some people, but we increased our net worth by $44,455, from $124,765 to $169,220. We earned a little over 63K after tax combined, so I think we did okay!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Blindterry on January 02, 2016, 06:30:54 AM
2013: 256K
2014: 345K
2015: 408K
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Money Badger on January 02, 2016, 09:06:51 AM
OK, the last 2 days of 2015 were pretty good to us and the result is $48K increase at end of 2015.    Grew just over 3% rate of return on original principal (vs. 1% return on S&P including divy's) plus maxed my 401K basically.   And the best thing was we reduced our overall debt significantly this year.    So to sum it up in football terms, 2015 was not thrilling on offense, but was awesome on defense.  ;-)

John Bogle said in April 2015 that rising rates happening at the end of a major market expansion cycle means returns will be lower than historical averages on both stocks and bonds for a few years and 2015 certainly delivered on this prediction.   So I'll listen to the sage and be patiently looking for buying opportunities in 2016.

Congrats to all who did better %age wise in 2015 though...   Hope your success continues in 2016!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Zaga on January 02, 2016, 10:03:57 AM
Invested/paid down debt by $38K, net worth (investments minus debt only) increase of $39K, so a pretty much flat year.

This year was our best savings rate yet at 44.5%!  Aiming for over 50% for 2016.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 02, 2016, 10:10:42 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: umterp1999 on January 02, 2016, 10:12:08 AM
NW increase of 48K in 2015 to just over 800K.  Not too shabby on a teacher's salary with a stay at home wife for the past two years (supplemented with a lot of stipend positions, such as coaching, and school clubs). Oh yea, I should also be in a position to max out my 403B this year. I have been maxing out the ROTH for a few years now.   We certainly dont live a life of deprivation,  but my friends do tease me about my 16 year old civic.  Still have a ways to go to meet our goals, but I'm enjoying the journey.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MsFrugalista on January 02, 2016, 11:23:47 AM
2009: $100K
2010: $152K
2011: $208K
2012: $298K
2013: $445K
2014: $705K (as of 12/23/14)

Update

2015: $875K (that was after putting away $25K in Vanguard Charitable Fund)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: forestj on January 02, 2016, 12:09:14 PM
How the hell are you people saving 100+k in ONE YEAR? where do you work, Goldman Sachs? Silicon valley? Business owner?  I'm a software engineer, and I'm making 85k a year, or 63k a year after taxes. Seems like you would have to be making about 143k a year before taxes (spending 10k a year) to net 100k after taxes and spending.  I feel like I am getting the wool pulled over.

I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: lhamo on January 02, 2016, 12:19:27 PM
How the hell are you people saving 100+k in ONE YEAR? where do you work, Goldman Sachs? Silicon valley? Business owner?  I'm a software engineer, and I'm making 85k a year, or 63k a year after taxes. Seems like you would have to be making about 143k a year before taxes (spending 10k a year) to net 100k after taxes and spending.  I feel like I am getting the wool pulled over.

I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?

Net worth increase is not the same as savings rate.

Many of us have substantial stashes in progress already, so net worth increases include compounded returns on those investments as well as actual savings rates.  Even in a year of modest appreciation those amounts can be considerable if the stash is large enough (e.g. 5% return on a 1 million stash = $50k)

And many of us also include increased equity in property holdings in our net worth figures.  In our case that made up the bulk  of our net worth growth this year.

Re:  income, my DH and I are both mid-level non-profit managers.  Combined income this year was around $120k (80k for him, 40k for me -- I only worked half the year). 
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MsFrugalista on January 02, 2016, 01:37:04 PM
How the hell are you people saving 100+k in ONE YEAR? ...
....
I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?

We have a combined household income (2 people) of ~300K (before taxes, not including potential bonuses). The high income does help with building up the stash faster. in 2015 we had an avg. savings rate of 78% (82% if you exclude mortgage principle). We include our home value as part of our total net worth, but have kept this value at the purchase price (purchased early 2014).

Here is another thread (http://forum.mrmoneymustache.com/welcome-to-the-forum/what's-your-job-title-and-how-much-do-you-earn/) with more anecdotes on salaries and the type of work people do.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KMMK on January 02, 2016, 02:29:09 PM
Net worth in 2015 decreased by $2,500, which is pretty good considering I only worked 4.5 months of it.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MVal on January 02, 2016, 04:18:07 PM
This thread made me curious about our progress.  We haven't tracked NW so I went to Vanguard and just pulled our retirement savings totals for as far back as I could.  Feel pretty good about this, but regret the $ wasted over the years before landing on MMM.  Hoping to see some bigger gains going forward.  :)     

$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

Impressive, I'm so jealous! Just curious about your massive surge in 2009...I assume you dipped in '08 due to the huge recession, but it looks you more than recovered a year later! How did your fortunes change so quickly?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MM_MG on January 02, 2016, 06:59:53 PM

Impressive, I'm so jealous! Just curious about your massive surge in 2009...I assume you dipped in '08 due to the huge recession, but it looks you more than recovered a year later! How did your fortunes change so quickly?

Thanks, but it could/should be much better than this.   I'd have to go back and look, but off the top of my head…in mid-2007 I changed jobs, made more money and was finally eligible for a 401K.  I also move up in salary quickly the first couple of years.  The numbers before that 2007 only represent 2 roth IRAs and a 403b (two people).  So I'd guess with the raise we were able to put money into my 401K and increase the wife's contributions.  Unfortunately the wife hasn't been able to contribute to a 403b since 2010. :(   
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FIreDrill on January 02, 2016, 07:18:14 PM
Final numbers are in for 2015! We were up 96.6K which is way more than we expected at the start of the year.

End of 2012 = 6,798
End of 2013 = 61,724
End of 2014 = 106,801
End of 2015 = 203,468


I'd love to break 300K by the end of 2016 but that could be difficult due to us doing some international travel this year.  But, if the markets are good to us, it could happen.


SS
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: soupcxan on January 02, 2016, 07:33:15 PM
How the hell are you people saving 100+k in ONE YEAR? where do you work, Goldman Sachs? Silicon valley? Business owner?  I'm a software engineer, and I'm making 85k a year, or 63k a year after taxes. Seems like you would have to be making about 143k a year before taxes (spending 10k a year) to net 100k after taxes and spending.  I feel like I am getting the wool pulled over.

I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?

Easy to save 100k/yr if you're DINKs.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: kpd905 on January 02, 2016, 07:37:08 PM
Just check my spreadsheet, these are my numbers for the last 3 years.

December 2013: -$43,953
December 2014: $21,525
December 2015: $99,252

Lot of huge student loan payments during that time, and a moderate amount of investing.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: okits on January 02, 2016, 08:29:03 PM
How the hell are you people saving 100+k in ONE YEAR? where do you work, Goldman Sachs? Silicon valley? Business owner?  I'm a software engineer, and I'm making 85k a year, or 63k a year after taxes. Seems like you would have to be making about 143k a year before taxes (spending 10k a year) to net 100k after taxes and spending.  I feel like I am getting the wool pulled over.

I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?

In 2014 we had a six-figure NW leap.  Market returns were a HUGE part of that.  Our incomes are not that impressive compared to many in this community (worlds away from Goldman Sachs, Silicon Valley, or successful entrepreneur), but we did save and invest starting in our 20s.  It really is the gift that keeps on giving (past-selves, we love you!)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on January 02, 2016, 09:34:16 PM
How the hell are you people saving 100+k in ONE YEAR?

Earn 200 and save half?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: bzzzt on January 02, 2016, 10:05:34 PM
2012: ~$90k
2013: ~$170k
2014: ~$225k
2015: ~$302k

Come on 2016, let's keep movin' on up!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: PhilB on January 03, 2016, 08:30:24 AM
Net worth increase of £90k in 2015, but the real reason I'm posting is that you lot are the only ones I can share the following with.  I have spent much of the year flirting with the £500k level in my work pension scheme.  I stick the total into a graph weekly (I know, very sad, but it helps me get comfortable with the volatility) and first got close in May, then the markets dipped, then I was up and down through June, July and Aug before the markets tanked again, but never got above £497k.  The markets recovered again and I got to £499,492 on 4 Dec.  Then it went down again. Then, on New Year's day, Yippee!  £501k !
Now I know it's a meaningless snapshot passing an arbitrary number, but for me it's a thrilling milestone on my journey to FI.  And I can't tell any of my friends or family as they wouldn't understand that I'm not boasting but genuinely excited at passing a milestone on my journey.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dandarc on January 03, 2016, 10:44:53 AM
How the hell are you people saving 100+k in ONE YEAR? where do you work, Goldman Sachs? Silicon valley? Business owner?  I'm a software engineer, and I'm making 85k a year, or 63k a year after taxes. Seems like you would have to be making about 143k a year before taxes (spending 10k a year) to net 100k after taxes and spending.  I feel like I am getting the wool pulled over.

I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?

One of the big revelations I have had is that the amount of taxes is not necessarily a given.  Hit that 401k hard - you might be surprised how  much you can reduce your taxes.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tlsv on January 03, 2016, 10:59:31 AM
Increase in investments only...we also have a fully paid home worth approx. $500k

2011 - $222,825
2012 - $314,917
2013 - $448,196
2014 - $606,251
2015 - $763,164 which was a $156,913 increase ($148,730 was actual savings the rest was market gains)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Overseas Stache on January 03, 2016, 11:02:19 AM
This post just made me go check out my mint account and see how I did. I increased net worth from 96K to 157K from Jan 1st 2015 to Jan 1st 2016. That is an increase of 61K, which is really exciting considering my earned income is 54K per year. That is mostly thanks to my real estate investments. Net worth isn't really the most important measure to me as I'm looking to build up cash flow through real estate so that I can FIRE but it is nice to look at every once and while.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: letired on January 03, 2016, 11:25:17 AM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: big_slacker on January 03, 2016, 12:31:28 PM
I went from around 80k to 120k. Was good with savings and 401k but also lucky with signing bonus for a new job. Still happy, plodding right along!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: lithy on January 03, 2016, 04:59:13 PM
2012 ($44,938)
2013 $1,855
2014 $50,869
2015 $93,702

The goal was 100k, but with the birth of child #1, expenses went up some, and a not great market year meant the number didn't quite get there.  However, still very happy with our progress, if our net worth would increase 84% every year I'd be retired a lot sooner than I'm currently planning.

Side note: NW number does not include our house (no mortgage) since it is our primary residence.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: plainjane on January 03, 2016, 06:16:59 PM
Increase of ~130k
invested assets ~85k (growth + contributions)
reduction in mortgage debt ~45k (does not include any potential increase in the value of the house)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 03, 2016, 06:42:44 PM
December 2013:  $43,800
December 2014:  $70,200

A $26,400 increase, up 60%, with a 40% savings rate for the year.  Hoping to keep that savings rate up this coming year, but with a lower income, so how much our NW changes will be up in the air.  Pretty proud of these numbers, my husband and I got married this year, so a lot of changes we bumped through while making steady progress.  Realistic goal of $93,000 stretch goal of nice round $100,000.

December 2015:  $107,700

A $37,500 increase, up 53%, with a 50% savings rate for the year with a greater income than last year, which we weren't expecting at this time last year.  And we met our stretch goal! (also due to the surprising higher income).  Goal for next year:  $150,000 if we stretch for it.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mbk on January 04, 2016, 04:31:51 PM
2013 =  38k
2014 = 121k

2015  ~  147k
Not a good year in terms of wealth accumulation. Many big one-time expenditures and forex rates negatively affected my wealth accumulation. The stock market also didn't help much and most of my funds barely moved.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: drudgep on January 05, 2016, 05:16:29 PM
A lot has happened along the way, however this is when I started keeping track and after I paid off student loans. Started as a young 24 yr old who liked video games and drinking, now am getting married and have a 1 year old baby... life is funny :)

Dec 2012: $1,181
Dec 2013: $13,632
Dec 2014: $51, 972 (Bought Triplex)
Dec 2015: $89, 010
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: OneCoolCat on January 05, 2016, 05:35:14 PM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Think on January 05, 2016, 07:23:11 PM
$55k 401k including matching
$30k deferred compensation.
$16k defined benefit pension (rolls over to 401k if I leave)
$10k cash savings
$20k extra payments towards primary residence
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: J.Milly on January 06, 2016, 12:58:50 PM
Went from under 15k NW to just under 27k. My personal goal was to hit 25k by end of 2015 and 30k in 2016 (was a part time working and in uni at the time). Thanks to my bonus rolling in on Jan 14, ill be just under 30k, hoping to hit 40k! (Hopefully more if I get the full time position i interviewed for).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: partgypsy on January 06, 2016, 02:39:25 PM
I don't track net worth including house but will try to estimate. If I did this before I forgot to include efund.
Retirement savings went from 158 to 169K

current mortgage is around 68K or a little less so estimate mortgage went down from 75K to 68K (+7200).
House value unknown, but went up. Property tax valuation went from 219 to 228K (+9K)
Paid for a 15K roof out of savings so efund  went roughly from 17k to 2K.
so from 2014 158K r +144K hey +17K savings=319K     to 2015 169K +160+2K=331K 2015  (+12K or 4% increase in networth).

I'm relieved it's in the positive (barely). I knew it was going to be ugly. In addition to roof repair, have paid close to 13K in schooling costs so far for 2015. Though we will not have the roof repeat, we will have equivalent school costs yearly, as long as we can bear. My husband is willing to go into debt for this while I am not. We will take 1 year at a time.     
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: TheFirstMan on January 06, 2016, 03:25:22 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)


Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: onlykelsey on January 06, 2016, 03:29:44 PM
I just found MMM in the last month, but was already doing a lot of this.  In 2015 my net worth went from approximately $229K to $327K, a 42% jump.  That's not all that noteworthy given my high income, but I got married this year (18K? 20K?) and had a 64K roof problem in my condo, so in a normal year I would have been up 180K or 78%.  Hopefully I can hit a number like that next year.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: forestj on January 06, 2016, 07:34:58 PM
One of the big revelations I have had is that the amount of taxes is not necessarily a given.  Hit that 401k hard - you might be surprised how  much you can reduce your taxes.

That calculation takes a maxed out 401k into account, which is how I've been doing it.

Earn 200 and save half?
Easy to save 100k/yr if you're DINKs.

I was asking for specific quotes on salaries and the work involved. By DINK do you mean married? I hear there are some tax benefits for that.

I'm trying to get context for how I'm paid compared to other people. My partner and all of my peers are service workers who feel lucky to get insurance and 20 or 30k. My co-workers generally make about the same as I do, slightly more if they are older.  I'm sure some people in my office make over 140k, but they probably stayed in the game for 7+ years to get there. 

I'm just starting my third year out of college and I've already doubled my salary once, but looking at the landscape, I'm not sure how to do it again. I know that around here the answer is always "create value". So I guess I'm asking, for those quoting 100k savings from salary, how did you do it? How long did it take to get there? This section is called "share your badassity" after all :)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: lhamo on January 06, 2016, 08:09:35 PM
I was asking for specific quotes on salaries and the work involved. By DINK do you mean married? I hear there are some tax benefits for that.

I'm trying to get context for how I'm paid compared to other people. My partner and all of my peers are service workers who feel lucky to get insurance and 20 or 30k. My co-workers generally make about the same as I do, slightly more if they are older.  I'm sure some people in my office make over 140k, but they probably stayed in the game for 7+ years to get there. 

I'm just starting my third year out of college and I've already doubled my salary once, but looking at the landscape, I'm not sure how to do it again. I know that around here the answer is always "create value". So I guess I'm asking, for those quoting 100k savings from salary, how did you do it? How long did it take to get there? This section is called "share your badassity" after all :)

Again, you are missing the distinction between savings vs. net worth growth.

I went back through the thread and say only a few cases where posters were referencing 100k+ in annual savings.  But many people referenced maxing out retirement accounts, paying down debt, and saving as much as possible on top of that.  Real estate appreciation is also playing a key role in the growth of many posters' net worth. 

You mentioned upthread you are a software developer in the Bay Area but making only 85k.  That seems very undercompensated for the area/the field, even though you have doubled your salary already.  You should have lots of room to grow your salary/increase your savings.  You might also want to look at the possibility of relocating -- software salaries in the Seattle area are not as high as in the Bay Area, but housing still costs much less.  You can buy a decent 1br condo here for under 200k.  If you could get a new job here paying 100-150k, buy a condo, max out your retirement savings, and make other frugal choices (walking/biking or taking public transit to work, minimize money spent on non-necessities, etc), you could gain a lot of networth traction in a relatively short period of time.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on January 06, 2016, 09:27:00 PM
I was asking for specific quotes on salaries and the work involved. By DINK do you mean married? I hear there are some tax benefits for that.

DINK = dual income no kids.  Two people each earning 65k without any children can live quite comfortably on $30k and bank the rest.

Again, you are missing the distinction between savings vs. net worth growth.

That's an important point.  My investment portfolio performance was actually slightly negative last year so that part of my net worth grew by less than I contributed to it, but our real estate holdings rose in value considerably.  We also banked some 401k and HSA matching funds that ended up as savings even though they weren't part of our income.  Some folks, like arebelspy, generated tens of thousands of dollars in cashflow from rental property completely outside of regular wage income.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: forestj on January 06, 2016, 09:40:26 PM
Again, you are missing the distinction between savings vs. net worth growth.

I suppose that is intentional / self centered of me, since I just recently eliminated my debt and don't have any substantial investments. But it does explain how much people are growing their net worth, who are already multiples  beyond what I would consider sufficient to retire. I apologise for my laser-like focus on wages / entrepreneurship, since that is my only possible source of income right now.

You mentioned upthread you are a software developer in the Bay Area

I never mentioned where I live, I'm in Minneapolis where the income taxes are relatively high and the wages are relatively low. But my rent is $270/month, go figure.

I would sooner shoot myself in the foot than drop $200k on a condo.

I know what DINK means, but its really rare that I see two people less than 10 years older than me who both making $85k pre taxes. Most of the couples I know in my age range are making $85k pre-tax combined on average. A great portion of them are making less than 50k combined.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: jorjor on January 06, 2016, 10:14:16 PM
I know what DINK means, but its really rare that I see two people less than 10 years older than me who both making $85k pre taxes. Most of the couples I know in my age range are making $85k pre-tax combined on average. A great portion of them are making less than 50k combined.

Maybe rare in the general population, but you are on a forum that skews toward a quite successful demographic. (Even then, not necessarily common here.)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on January 06, 2016, 11:01:11 PM
A little over 203k in NW gains this year up to 638k total NW. Stock investments were flat to down a bit, but all dividends were reinvested, and my rental property really picked up the slack.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on January 07, 2016, 12:00:32 AM
I never mentioned where I live, I'm in Minneapolis where the income taxes are relatively high and the wages are relatively low. But my rent is $270/month, go figure.

I would sooner shoot myself in the foot than drop $200k on a condo.

I know what DINK means, but its really rare that I see two people less than 10 years older than me who both making $85k pre taxes. Most of the couples I know in my age range are making $85k pre-tax combined on average. A great portion of them are making less than 50k combined.

"If you stay living in peasant country, you'll never be rich. Make the leap and budget later."

I've been waiting for an excuse to use that quote, stolen from PFJerk (https://www.reddit.com/r/PFJerk/comments/3kktti/how_do_the_economics_of_living_in_the_bay_area/)

(Tounge in cheek if that's not obvious)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MishMash on January 07, 2016, 07:58:13 AM
This was our first full year tracking, and a horribly expensive crisis riddled year for us.  Number includes equity in the houses (no price appreciation from purchase though) and stocks were only up 1% across accounts in 2015 so this is pretty much all contributions.

Dec 31 2014: 721,425
Dec 31 2015: 823,141

2016, barring any more disasters (pretty please 2016, can we have one year without monumental bad luck...please...I promise I'll be nice to the woodland creatures, and perhaps temper my anger towards fellow DC drivers if so) should be a much better year, and will hopefully be our million dollar year through our own contributions.  There is an inheritance coming that will likely push us well over that mark but we want to hit it through our own contributions.

forsetj, I'm an millenial engineer as well, 85k for Minneapolis isn't terrible, but you could clear six figures easy by moving.  Not sure what your friends do but most of mine started out, fresh out of college, earning way more than 42k a year.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: chubbybunny on January 07, 2016, 08:59:54 AM
December 2014: $623,552
December 2015: $723,398

Okay, so I know I didn't sock away $100,000, so how in the world did my networth go up this much?   Here's the breakdown I found; it's a combination of savings, paying off mortgages, and housing prices going up.  Nothing to do with the stock market, investments were at a loss for last year.

assets
Cash: up $7,000
Retirement accounts: up $23,000
real estate value: up $33,000

debt
mortgages: down $32,000
car loan: down $6000
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on January 07, 2016, 10:55:56 AM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

I just ran the final numbers for 2015.  NW is up 19%.  Not bad for a generally down year in the markets.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tarheeldan on January 07, 2016, 11:04:46 AM
Up $45,080.25 or 98.05% :-)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Tony_G on January 07, 2016, 01:00:02 PM
Per Quicken mine went up 19.26%, I haven't calculated my savings rate.
 
I could have done a lot better, however, my income was a bit lower, investments are down, and I also spent a lot more on exotic travel with my fiancee on 2015 than on previous years.

I have not updated any of my real estate property values either, last summer was crazy and they've appreciated a bit, I'm not counting on that appreciation, though, except for one of the properties that I plan to sell this year (hoping the market remains as hot as last year).

To make things worse, I also bought a new truck (face punch please), the justification was that my old truck was a 10-year old, midsize  regular cab, so I could not comfortably fit 3 people, my mom spent pretty much all summer with us, so it was a pain every time we decided to go out.

We have already had "the talk" and agreed to oversee each other so we spend less and save/invest a LOT more this year, we are also combining finances and are even considering becoming a one car household once we get married.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FOBStash on January 07, 2016, 01:36:40 PM
21% NW increase as of end December due to $8K decrease in annual spending + savings but overall spending is still very face-punch worthy. Still, all good and progress is worth celebrating!

The NW probably went down significantly the last few days due to hammering of stocks.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: lhamo on January 07, 2016, 04:16:58 PM
Again, you are missing the distinction between savings vs. net worth growth.

I suppose that is intentional / self centered of me, since I just recently eliminated my debt and don't have any substantial investments. But it does explain how much people are growing their net worth, who are already multiples  beyond what I would consider sufficient to retire. I apologise for my laser-like focus on wages / entrepreneurship, since that is my only possible source of income right now.

No need to apologize, just wanted to be sure you understood you were comparing apples and oranges -- there really aren't THAT many people here saving over $100k/year out of salaries or other income,  but there are many whose net wroth growth exceeds that due to the large stashes they have accumulated over the years.

You should, indeed, be focused on increasing your earning power to the extent you can -- the earlier you can garner significant bumps in your salary the better.  But also on maximizing savings and long-term investments -- the sooner you can start building up a stash, the faster those compound earnings can start working in your favor.

$270 in rent is amazing!  If you want help maximizing your savings/minimizing your spending further on other line items so that you have more to invest, consider posting a case study and letting the MMM crew have a hack at your budget.  There are some smart and helpful people here (many of them in the Twin Cities, and they might be able to suggest very local ways of keeping your outgo down)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: johnny847 on January 07, 2016, 04:29:31 PM
I'm up $26789.28, from $72700, or 36.8%
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: pancakes on January 09, 2016, 09:34:01 PM
Did all the sums for 2015 and am pretty impressed we made a $44.5k increase. Our share portfolio decreased slightly in value over the year so all savings this year. 43% savings rate on our post tax income.

We had about about $14k (before tax) paid into super accounts this year but I don't include super in my net worth calculations because there are so many rules about accessing it.

We ended just shy of $200k and a little over if were to add our super balances and then subtract HECS debts.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: ReadyAimFired on January 10, 2016, 08:23:13 AM
Dec 2014- $623,787
Dec 2015- $786,335  Sold real estate worth 95K but the rest was all saving!

Did not reach our goal of $800k but set a goal of $900k for 12/16
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nate R on January 13, 2016, 08:49:01 AM
End of 2014: 41.3K
End of 2015: 77.9K
Difference: + 36.6K.

 $7K of which is RE gains, but conservative, since we put $7K into one unit in our duplex (DIY), which allowed raising the rent from $815 to 980.

Total debt (including our own duplex and a SFR) went from 246.1K to 228.8K, so -17.3K.


Changes this year:
 My wife found out early last  year she'd be losing her job within a year. Started a new job late last year for about the same pay, but longer commute.
We changed one of our cars to a cheaper one, going from a 2011 CR-V that we owed money on to a 2005 Honda Civic Hybrid we paid cash for.
Bought 2 acres of land to eventually build a cabin on. We decided to borrow money for that, since we had some specific desires for land that only 1 or 2 parcels out of hundreds for sale in the area we wanted to be in met the requirements of for us. ($12K cost for the land.)

Overall, more steps in the right direction! YNAB has really helped me get a good foothold this year, and what's not reflected in the NW is going from basically a few hundred in cash on hand 2 years ago and barely staying afloat debt-wise to regularly having $5K+ in the checking account now, and staying on top of periodic bills, payments, etc.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: GuitarBrian on January 13, 2016, 07:16:20 PM
Jan 2015 - 260k
Jan 2016 - 317k

Increase - 57k


Notes:

I feel really good about this increase. Savings rate was just above 50%. Spent less than 3k per month, total... including all business expenses and other rental property expenses, not just personal expenses.

Net worth will depend on real estate values.. But my goal is to add at least 35k to the stache.

Here we go 2016!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: del84 on January 17, 2016, 04:32:53 AM
Beginning of 2015: $672,845
End of 2015: $774,000
Increase: $101,155

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: iris lily on January 23, 2016, 06:53:14 AM
We ended the year down, there was a loss to our net worth..

But thats ok, we retired this year and are spending down the stash. Its still scary, after years of $100,000+ jUmps to see it go in the opposite direction.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on January 23, 2016, 12:04:11 PM
We ended the year down, there was a loss to our net worth..

But thats ok, we retired this year and are spending down the stash. Its still scary, after years of $100,000+ jUmps to see it go in the opposite direction.

I can see this being very difficult as well, going from saving to spending. It will take a mental adjustment for sure.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: ETBen on January 25, 2016, 04:55:54 AM
Dec 2015: $390k
Dec 2014: $140k

... 2014 would be my half of the home we shared but also my half of the ridiculous debt my ex  had generated.

... 2016 should show a $50k jump from savings alone.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on December 01, 2016, 12:59:50 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sw1tch on December 02, 2016, 12:26:57 PM
Subscribing to post mine after the new year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 02, 2016, 05:49:45 PM
Topic title edited for 2016.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 03, 2016, 12:34:25 AM
Posting to follow, and following to post at end of year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mr_orange on December 03, 2016, 06:34:03 AM
We're on pace to increase about $260k in 2016.  We'll probably finish around $1.43M for a roughly 18% increase.  That's very close to our geometric mean of over the last 13 years which means we should double roughly every 4 years. 

2017 should be our lower-bound assumption FIRE year. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 03, 2016, 08:09:13 AM
At this point, I'm up about 22%, but we'll see what happens by year's end.  Wow, hard to believe it's December.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: t5inside on December 03, 2016, 08:50:00 AM
Quoting November since December isn't over yet:

November 2015: $124,767.32
November 2016: $218,918.18

Increase: $94,150.86

Looking forward to cracking $300k in '17!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 03, 2016, 09:05:13 AM
About 7% this year FIRED but with zero withdrawal
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on December 03, 2016, 09:34:08 AM
Up about $70k during FIRE. That's cool.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MVal on December 03, 2016, 08:22:22 PM
Dec 2015: $50K NW
Nov 2016: $78K NW

If all goes well, I should reach $80K before the end of the year/this month with my bonus coming and most of that going into the 401K. I will max out my 401K for the first time this year, a feat I am fairly proud of at my 40K income. The rest of my additions this year are from HSA, IRA and regular savings contributions.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on December 03, 2016, 08:51:15 PM
Our household net worth:

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

We still don't have much invested in shares and what we do have hasn't performed overly well so the increase is almost entirely from saved wages. As always I have excluded my student loan and our super annuation accounts (NW would be higher if both were included)

2017 is the year we need to make some housing/investment commitments.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ender on December 03, 2016, 08:56:01 PM
Looking like this year will be about $30k is all...

Lots of expenses this year, between college, new cars, and buying a home. Thinking that next year we will recoup a bunch of that, plus since I calculate our house value at (appraisal * 0.94) our 20% down payment this year immediately dropped us about $10k worth of net worth.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zikoris on December 03, 2016, 11:58:40 PM
So far, we're up $65,509 since January 1st - from $169,220 to $234,729, and we still have four paychecks before year end, so we might clear 70K, which would be out biggest annual net worth increase ever, by far. It's definitely fun reaching the point where compound interest starts to really kick in and account for a bigger chunk of increases.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Abe on December 04, 2016, 12:25:02 PM
Up $100k from $190 to $290, plus infinity if you include the new baby!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: lhamo on December 04, 2016, 01:11:55 PM
Ours is actually down on paper about 6%, but that is because I

1)  Was using an overly enthusiastic online estimator tool to estimate the value of our apartment -- actual sales price was about 10% lower than the online estimator and

2)  Up until we signed the contract, I had not been accounting for the capital gains taxes we would need to pay on the sale.  That is also a significant sum. 

Retirement accounts are up by over 50k, with just about 9k of that being contributions.  Didn't have significant income this year -- DH had his final paycheck (around 10k), cashed out some bonds, and I had 2k of consulting income.  And we've sold about 3k worth of stuff. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on December 05, 2016, 07:28:23 AM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

Wow two years makes a difference. Paid off my remaining Student loan debt and Net worth is at ~$145K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: infogoon on December 05, 2016, 09:34:03 AM
Posting to follow.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: attackgnome on December 05, 2016, 09:46:21 AM
11/2015: $88k
11/2016: $101k

Does not include 35k of equity from home purchase this year. Overall NW up 13k (48k if you include equity)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: spud1987 on December 05, 2016, 10:09:46 AM
December 2015: 812k
December 2016: ~1010k

Not bad but we had some tailwinds in the form of home price appreciation and a slightly up market.

Goal for December 2017 is 1.2MM. The challenge will be that our expenses increased around 20k/year since our daughter entered daycare last month.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: RWD on December 05, 2016, 09:07:56 PM
Rough numbers, comparing net worth on December 1st :
2015: + 48%
2016: + 49%
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 06, 2016, 02:07:15 PM
End 2013: about $822000
End 2014: about $1015000
Change: about $193000

Finally did some work to update my tracking sheets I just started this year. The above does not include house in the total (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 06, 2016, 02:09:14 PM
Holy shit, G-Dog!!  Why did you wait so long to retire??  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: G-dog on December 06, 2016, 02:31:36 PM
Holy shit, G-Dog!!  Why did you wait so long to retire??  :)

Stupidity! Pure, unadulterated stupidity! I just always assumed you work until you can collect social security. I always kept trying to find info on how much was needed for retirement, but kept only finding the traditional info (you need at least 80% of your income) - which never seemed to ring true, but it was all I would find. So many mistakes - and yet here I am. Stupid but lucky.

And once I learned about FIRE at 54 yo, if I waited until 55 yo I could officially retire from my employer, which gave me access to the group medical insurance (pay premium), and retain a small life insurance policy (at no cost). I switched over to the HSA the last couple of years for tax reasons, and for the portability. I was able to max out my 401(k) my last year,  max HSA contribution, and get another year's credit for pension calculation.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 06, 2016, 02:35:39 PM
Seems to have worked out for you!  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: G-dog on December 06, 2016, 02:37:50 PM
Seems to have worked out for you!  :)

Stupid and lucky is pretty damn powerful!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dogboyslim on December 06, 2016, 02:48:13 PM
Nov 2016/Nov 2015 - 1 = 11.5%

We are targeting the same for next year, but we need to maintain 8.4% increases in invested assets to hit my FIRE goal by age 50.

ETA: I liked the wr percentage way of discussing this, so I added my numbers in terms of w/r.

If I FIREd today, I'd be at 5.4% wr on invested assets.
Progression if we hit the required min is
2016 5.4%
2017 5.0%
2018 4.6%
2019 4.2%
2020 3.9%
2021 3.6%
2022 3.3%
2023 3.1%
2024 2.8% - FIRE Eligible
 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: bownyboy on December 07, 2016, 01:11:58 AM
December 2015 = £938,968
December 2016 = £1,071,771

An increase of £132,773 or 14%

At the moment a large part of our network is due to the value of our house, so I also track our FIRE fund separately.

This time next year the forecast is to be at £1,183,100, see you all in 12 months!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2016, 02:37:54 AM
End 2013: about $822000
End 2014: about $1015000
Change: about $193000

Finally did some work to update my tracking sheets I just started this year. The above does not include house in the total (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15

Nicely done... I've seen a few recently FIRED people post in various threads that their balances have gone up instead of down.

Hindsight is a wonderful thing (FIREing earlier) but I don't think anyone will be too unhappy seeing their numbers continue to go up.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 07, 2016, 09:41:27 AM
End 2013: about $822000
End 2014: about $1015000
Change: about $193000

Finally did some work to update my tracking sheets I just started this year. The above does not include house in the total (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15

Nicely done... I've seen a few recently FIRED people post in various threads that their balances have gone up instead of down.

Hindsight is a wonderful thing (FIREing earlier) but I don't think anyone will be too unhappy seeing their numbers continue to go up.

True, I have been watching my account balance go down, since that is where I pull living expenses from. Not fun, but watching the over pall amount stay overall fairly steady or go up is very calming.  I don't know how long this will last, but I'll keep tracking and make new decisions as needed in the future. New decision may be to spend more money - I'd probably target charitable giving first.

I wish I would have been more aware earlier - but as one boss said "you make the best decision you can with the information you have at the time". The past is gone. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Mr. Green on December 07, 2016, 10:51:12 AM
2015 - $780k
2016 - $980k

My fire hose of a salary is gone now that I've FIREd so I don't expect any dramatic employment-related increases in the future. I'm glad I managed to hold out long enough to walk away from my industry for good!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: twell1 on December 07, 2016, 12:34:15 PM
2016   $2,612K
2015   $2,371K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 07, 2016, 01:03:19 PM
2015: $57k
2016: $69k

Not as good as it could have been, but about $15k that would have contributed to NW went towards buying, moving to, and setting up a house.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 07, 2016, 01:17:39 PM
December 9, 2015: $53,000
December 9, 2016: $181,000
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2016, 01:31:22 PM
December 9, 2015: $53,000
December 9, 2016: $181,000

300 next year? Go for it!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mickeyj on December 08, 2016, 12:46:42 AM
Dec 2015: -$41,453.38
Dec 2016: $12,681.38

Hurray to positive net worth!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: plainjane on December 08, 2016, 07:26:57 AM
Dec 2015: -$41,453.38
Dec 2016: $12,681.38

Hurray to positive net worth!

That's a huge jump, and now that you're in the positive, compound growth is working in your favour.  2017 will be awesome
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mickeyj on December 08, 2016, 07:29:47 AM
Dec 2015: -$41,453.38
Dec 2016: $12,681.38

Hurray to positive net worth!

That's a huge jump, and now that you're in the positive, compound growth is working in your favour.  2017 will be awesome

Thanks!

Let's hope so. :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: kayvent on December 08, 2016, 07:34:53 AM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Hey It's Me on December 08, 2016, 07:45:22 AM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.
Congrats!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MishMash on December 08, 2016, 11:19:03 AM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.

Congrats!!!  Seriously, zero was a bigger celebration for us then ANY milestone we've reached since.  It gets easier from here on out now that the compound interest isn't working against you for once.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 08, 2016, 12:34:01 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

I've been vague about dollar amounts in this thread because they are embarrassing, but "percentage of goal" increases like this are a pretty accurate measure of our progress towards early retirement.  And they're probably more relevant than just dollar figures or annual growth rates provided without any context.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: GoingConcern on December 08, 2016, 12:40:46 PM
I started tracking my own net worth this year using excel before then I used Mint.  As of right now:

01/2016 - $350k
12/2016 - $375k

Figures above include home (paid off), 401k, cash and stock portfolio.  Doesn't include cars, jewerly, possessions etc. 

Wife is finishing up school next Spring and we will be making our last payment for her tuition this December.  2017 should be a better year with no tuition payments and my wife working full-time. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on December 08, 2016, 12:45:28 PM
Very cool to see people crossing the all-important $0 threshold (not even the slightest bit sarcastic here). Out of negative territory and on to bigger and better things! I honestly can't think of many people in my immediate friends/family that can say the same thing. Congrats to everyone for their hard work!

* 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Al1961 on December 08, 2016, 12:54:22 PM
At about half way through the third year of retirement, investment portfolio is up 6.1% after withdrawals.

DW retired Nov 25 this year, and hasn't withdrawn anything (yay, federal government pension and bridging benefit!), so her investments are up ~10% so far this year. Don't expect she will start withdrawing anything for another 12-15 years.

I'll check back in the new year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 08, 2016, 02:57:36 PM
Dec 2013 - $210K
Dec 2014 - $327K
Dec 2015 - $422K
Dec 2016 - $523K.  November to December was +$21K, so this recent stock market rally pushed us over the $100K mark for the NW increase for the year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Glenstache on December 08, 2016, 03:15:34 PM
Bumped from 34% of target stache on 12/31/15 to 42% as of 12/1/16 and only expect minor changes through end of year.

I am really excited by the progress people are documenting on here! 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 08, 2016, 07:34:54 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

I've been vague about dollar amounts in this thread because they are embarrassing, but "percentage of goal" increases like this are a pretty accurate measure of our progress towards early retirement.  And they're probably more relevant than just dollar figures or annual growth rates provided without any context.

So is that like a 4.6% WR? 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: tarheeldan on December 08, 2016, 08:01:28 PM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.
Congrats!
Congratulations!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 08, 2016, 10:01:50 PM
So is that like a 4.6% WR?

No, and I'm not sure how you arrived at that number.  Want to elaborate for me?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 08, 2016, 10:42:07 PM
So is that like a 4.6% WR?

No, and I'm not sure how you arrived at that number.  Want to elaborate for me?

People traditionally use 4% SWR.  You are 86% of the way there.  .04/.86 = 0.046511627906976744186046511627907
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 08, 2016, 10:54:08 PM
So is that like a 4.6% WR?

No, and I'm not sure how you arrived at that number.  Want to elaborate for me?

People traditionally use 4% SWR.  You are 86% of the way there.  .04/.86 = 0.046511627906976744186046511627907

Sol is going for a higher than 4% WR, I believe.

So your numerator is probably too low.  It could be as high as 0.06, from what I understand, based on some of his 50% success rate comments.

That'd put him at about a 7% WR currently (when shooting for 6%).

% of goal, as he posted, is one way to measure it.. the flipside is what's your current WR.

ERE has a long running thread like this:
http://forum.earlyretirementextreme.com/viewtopic.php?f=3&t=2640 (http://forum.earlyretirementextreme.com/viewtopic.php?f=3&t=2640)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 08, 2016, 10:57:25 PM
People traditionally use 4% SWR.  You are 86% of the way there.  .04/.86 = 0.046511627906976744186046511627907

I see. 

But your starting assumption was wrong, in this case.  I'm targeting a SWR significantly higher than 4%, in part because I think 4% is too low for a 30 year period in 95% of cases, in part because my assets don't have to last 30 years due to pensions and SS, in part because my spending level is not so barren that we couldn't reduce our expenses in the event of a market meltdown, and in part because I am supremely confident in my ability to earn more money in the future if necessary.

I don't expect that I will ever draw as little as 4.6% from my stash in a year, unless the stash continues to grow at an unexpected pace after I retire. 

If I was currently at 4.6% SWR, I wouldn't be going to work nine hours from now. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OlyFish on December 08, 2016, 10:58:25 PM
Started at -105000. Will end around 50000. Our house has appreciated about 5% and I maxed out 403b, 457, and HSA, as we'll as paying off about $4000-$5000 a month in debt and putting $1000 a month in index funds.

I don't think 2017 will be quite as much as I will be on maternity leave and unable to earn bonuses for 1-2 quarters, which make up a good $60000 of my income annually.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 08, 2016, 11:06:41 PM
Nicely done... I've seen a few recently FIRED people post in various threads that their balances have gone up instead of down.

Hindsight is a wonderful thing (FIREing earlier) but I don't think anyone will be too unhappy seeing their numbers continue to go up.

Your net worth pretty much darn well better go up in FIRE, most of the time, if you don't want to head for ER failure.

One big reason: Inflation.  If your numbers aren't going up (which is a nominal amount), your portfolio won't be able to keep up as your expenses inevitably rise.

Sure, some years it might step back a bit (I mean, you are withdrawing roughly 4% of the value, and sometimes market gains are meh, or negative), but the overall trend should be up.  And most cFIREsim runs have the lines going up and to the right--your portfolio gaining value (and that IS in real dollars, so gaining massively in nominal dollars)--as your portfolio gains vastly outstrip your withdrawals.

In fact, I'd consider it a huge red flag if it's not growing most years, or hasn't after a number of years (unless it grew for awhile, but there was suddenly a crash--that's fine, and normal, and to be expected, and it will come back... but if it's not growing at all, it's something to keep an eye on).

Here's a whole thread from earlier this year asking "Has your networth grown since you Fired? (http://forum.mrmoneymustache.com/post-fire/has-your-networth-grown-since-you-fired/)"

In it, the OP asked:
How common, do you think it is for your net worth to continue to grow after retiring early?

So I ran some cFIREsim numbers to get hard data on how common that would have been, historically.

Very, very common.

The longer your ER, and more aggressive your investment strategy (i.e. more equities), the more likely it is.

For example, using cFIREsim default numbers (40k spend, 1MM portfolio for a 4% SWR, 75/25 allocation, 30 year retirement--95.69% success rate), out of 116 total 30-year periods, after 30 years:
In nominal dollars, 19 of them ended with less than the 1,000,000 you started with.  97 ended with more.
In real (inflation adjusted dollars), 41 ended with less, 75 ended with more.

So if you're just looking at straight dollar amounts (which most of us tend to do, we don't naturally, intuitively discount for inflation), about 84% of the time your portfolio would have risen (and, in real dollars, 65% of the time it would have risen).

That's with you spending down on it year after year, not earning another dollar, not adjusting your withdrawals down in bad years (down markets) or as you get older and spend less.

The majority of the time, portfolios go up if you're using a 4% WR and have a decent (> 33%) amount in equities, with us doing nothing (and we tend to do something if things start going wrong).

If my net worth wasn't growing (not every year, but over multi-year periods), I'd look at that as a caution sign to take a closer look.

(Emphasis added.)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Unique User on December 09, 2016, 01:08:43 PM
We're looking at about a 17% increase this year and we went over the seven figure mark, yay!  Last year was only 11%, but we socked away almost all of our very generous bonuses this year in addition to all the regular funding.  Too bad bonuses will be way down or nonexistent next year.  We both kept our jobs amid layoffs so I have no reason to complain. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Landlady on December 09, 2016, 01:19:38 PM
It was a big year for property values for Seattle which is where my 2 rental houses are. We're also building a house this year but I excluded any property value increases for that land since I can't rent out a house without windows. :)

Including property value increases:
2015: $1,091,507
2016: $1,415,323
NW increase of: $323,816

Excluding property value:
2015: $345,907
2016: $408,924
NW increase of: $63,017
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: horsepoor on December 09, 2016, 01:51:38 PM
Not tracking my overall NW, but it looks like my retirement account is up about $43K since early January.  If the market is at least flat next year, I'll break the $200K mark.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: freeedom on December 09, 2016, 04:49:25 PM
12/31/15 - 71k
12/16 - 130k

Pretty amazing growth.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OneCoolCat on December 11, 2016, 10:15:36 AM
12/31/15 - 71k
12/16 - 130k

Pretty amazing growth.

Nicely done!

1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 11, 2016, 11:18:36 AM
Made roughly 7.5% this year.

Friday's net worth was $1,758,000 plus a pension in the UK with a contract out value of about $400,000.. Of course that varies greatly with currency exchange rate.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: morninglightmountain on December 11, 2016, 03:52:52 PM
Note: I've only learned about mustachianism in the past few months, but have always been relatively frugal.

12/1/15 NW: $48K*
12/1/16 NW: $86K**
*net of $10K owed on auto loan @ 0%
**net of $6K owed on auto loan @ 0%

I'm on track to retire in 6 years, at 35, if I can successfully transition to rental property investments at that time.  If I stay with passive index fund investments only, I can retire in 9 years.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Glenstache on December 11, 2016, 10:09:22 PM
Note: I've only learned about mustachianism in the past few months, but have always been relatively frugal.

12/1/15 NW: $48K*
12/1/16 NW: $86K**
*net of $10K owed on auto loan @ 0%
**net of $6K owed on auto loan @ 0%

I'm on track to retire in 6 years, at 35, if I can successfully transition to rental property investments at that time.  If I stay with passive index fund investments only, I can retire in 9 years.
Good work! Also, is your handle a Peter Hamilton sci-fi reference?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Socmonkey on December 12, 2016, 05:25:57 AM
January 1st 2016 NW = $118K
Current NW = $171.5K

That's + $53.5K

Done on a yearly income of $63K, and still have two more paychecks to go this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: shanghaiMMM on December 12, 2016, 06:07:23 AM
I'm not very good at keeping accurate records due to the fact my investments are in GBP, my wife's in USD and we get paid in RMB.

Anyway, rough figures, give or take a $1k or so:

January 2016 - $155k
December 2016 - $225k

Still seems an incredible sum of money to me, given that we started out on our journey about 2 1/2 years ago!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mrteacher on December 12, 2016, 06:22:41 AM
1/1/15: $64,049
1/1/16: $93,782
At present: $137,812 (2 paychecks left until 1/1/17)

I made roughly $60k-$65k in that period.

Maxing my 403(b) this year went a long way in boosting the NW (as did maxing my Roth, which I have done the last 4 years). Looking forward to putting away $18,000+$5,500 again this year --- and many years thereafter!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: monarda on December 12, 2016, 08:55:22 AM
January 2016    $668K
Dec 2016          $832K

Most of that is an increase in property value, and some of Zillow's values are questionable. But who knows.
About $80K of that total increase is certainly real cash. Likely more is real.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mskyle on December 12, 2016, 10:01:31 AM
I'm really glad this thread prompted me to look into this, because the numbers were actually way better than I would have guessed. Month to month the change is not always that impressive but over the course of the year, wow! My NW increased by about* 50% this year, putting me at around** 20-25% of my FIRE number. This is mostly index fund investments, no real estate. And I still have student loans at 2-3.5%.

I've had significant salary increases over the past several years (my current salary is about 2x what I was making from 2010-2013 and almost 3x what I was making before 2010), which has obviously made it way easier to save. I expect 2017 to be a good year for my net worth as well, with some big one-time expenses being cancelled out by some one-off windfall-ish kinds of things.

*The fuzziness is because I wasn't carefully tracking all my old 403(b)s at the beginning of the year and this year I rolled all of them over into my IRA and closed the accounts, so I'm not 100% sure how much they were worth a year ago.

** FIRE number is also fuzzy because we plan on moving to at least a somewhat lower cost of living area when I retire but haven't worked out the exact numbers on that yet. I also suspect I'm going to be a little bit prone to one-more-year-itis, sigh.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: morninglightmountain on December 12, 2016, 10:20:26 AM
Note: I've only learned about mustachianism in the past few months, but have always been relatively frugal.

12/1/15 NW: $48K*
12/1/16 NW: $86K**
*net of $10K owed on auto loan @ 0%
**net of $6K owed on auto loan @ 0%

I'm on track to retire in 6 years, at 35, if I can successfully transition to rental property investments at that time.  If I stay with passive index fund investments only, I can retire in 9 years.
Good work! Also, is your handle a Peter Hamilton sci-fi reference?

Thanks, although I could've saved so much more.

It is indeed! I hope he writes more in the Commonwealth universe.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 12, 2016, 06:29:57 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: givemesunshine on December 12, 2016, 10:01:00 PM
My NW figures;

31st Dec 2015 - $161K
31st Dec 2016 - $195K

Happy with this as I have had some big medical expenses this year (~$5K) and other expenses ($2K) which I felt had set me back - it's always nice to see the numbers though and remind myself that I still increased by +$34K (>20%) in under 12 months.

My aim is +50K in 2017 - onwards and upwards!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 12, 2016, 10:28:07 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!

Congrats on the FIREing!!!  Woo hoo!!!!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: obstinate on December 13, 2016, 12:25:52 AM
This has been an uncommonly good year for us. It looks like our non-home equity stuff went from somewhere around 33%. I believe the increase was this big as a percentage because we sunk a bunch of savings into an HCOL house down-payment a few years ago. So my salary was large relative to our savings, and it was filling in the hole. Including the home it looks like we're up about 20%.

We are selling the house at a huge profit next year and moving to New York, which will bring our invested assets close to our FIRE number. We will probably ride our jobs for a year or two more, since we'll go from having "enough" to "enough and plenty more besides." I also want to see what Donald Trump does with this country before making any hasty decisions.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ZsMom on December 13, 2016, 12:35:36 AM
2016 - 637K (current, should actually be a little higher)
2015 - 553K
2014 - 502K
2013 - 405K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dude on December 13, 2016, 09:49:26 AM
Roughly 15% growth in NW over the past year.

Nov. 24, 2015:

NW - $962,090*
Invested - $782,026

Dec. 12, 2016:

NW - $1,127,947*
Invested - $902,232

*excludes the roughly $315k value of my wife's parents' home, which was transferred to her roughly a decade ago; I just like to personally count the net worth we've built together from "scratch" (so to speak)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 13, 2016, 09:57:20 AM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Hey It's Me on December 13, 2016, 04:52:40 PM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

That's impressive! What changed this year?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: justchristine on December 13, 2016, 05:53:21 PM
Wow, how have I missed this thread the past few years.  These are the numbers I wait all year to tally.  For perspective, I'm including numbers as far back as I started tracking.

2011 - 72k
2012 - 139k
2013 - 217k
2014 - 284k
2015 - 332k
2016 - 431k if markets hold til the end of the month
 Yowzers, almost 100k increase this year and only about a quarter of that was from my contributions.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 13, 2016, 07:17:21 PM
Yowzers, almost 100k increase this year and only about a quarter of that was from my contributions.

Wait about three more years, and your month-to-month variation will sometimes exceed your entire first year's contribution.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFisherman10 on December 13, 2016, 07:35:11 PM
1/1/15: $64,049
1/1/16: $93,782
At present: $137,812 (2 paychecks left until 1/1/17)

I made roughly $60k-$65k in that period.

Maxing my 403(b) this year went a long way in boosting the NW (as did maxing my Roth, which I have done the last 4 years). Looking forward to putting away $18,000+$5,500 again this year --- and many years thereafter!
Nice! I'm about "2 years behind you" and hoping to replicate those numbers. Like I'm currently at ~65k and hope to make it to 95 or 100k next year.

As for this past year:
12/13/15:  37,708
12/13/16: 69,416
(Increase of 84% !)

"Invested" went from 19,447 to 44,188 (but should be another 17.5k higher if Vanguard would quit dragging their feet on getting my taxable account opened these past few weeks! I'm kinda bummed about missing these recent run ups :/ it's on me for having that much cash out of the market , but I was thinking it would be best to save up for a house dp outside the market for a while this year )

Sent from my SM-G900V using Tapatalk

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MishMash on December 14, 2016, 08:40:29 AM
This was our first full year tracking, and a horribly expensive crisis riddled year for us.  Number includes equity in the houses (no price appreciation from purchase though) and stocks were only up 1% across accounts in 2015 so this is pretty much all contributions.

Dec 31 2014: 721,425
Dec 31 2015: 823,141

2016, barring any more disasters (pretty please 2016, can we have one year without monumental bad luck...please...I promise I'll be nice to the woodland creatures, and perhaps temper my anger towards fellow DC drivers if so) should be a much better year, and will hopefully be our million dollar year through our own contributions.  There is an inheritance coming that will likely push us well over that mark but we want to hit it through our own contributions.

r.

Caveat this with we received part of the inheritance this year (in the early part of the year while the markets were down), and sold our rental house.

Dec 31 2014: 721,425
Dec 31 2015: 823,141
2016 1.459m barring an end of year drop

We did hit the million mark this year on our own, including house equity (but not appreciation) but we also spent more then we should have on a LOT of fun experiences (3 weeks in Europe, a tuna trip, a diving trip).  DH was determined to make this an epic year for good memories after how shitty last year was, and I kind of agreed with him, there was a lot of unexpected death and tragedy last year.  2017 we will be back on track and living cheaply
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hoosier on December 14, 2016, 09:48:46 AM
Jan 1


2014: 238K
2015: 264K
2016: 292K
2017 (p):397K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Enigma on December 14, 2016, 09:50:16 AM
31Dec2015 - NW $860K US
14Dec2016 - NW $993K US

Net Worth Increase of $133k with one more paycheck to go and possibly a couple residual rental checks at the end of the month.  Doesn't look like I will cross the $1Mil US mark until Jan17.  I was so close at meeting the threshold but kept paying off end of the year expenses to stay under the mark (23k property taxes & 5k Dec insurance premiums)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 14, 2016, 09:55:38 AM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

That's impressive! What changed this year?

Completely changed careers from retail management to Enterprise Software sales in 2015.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: rob in cal on December 14, 2016, 03:11:00 PM
  1/1/16 total assets including house/IRA's etc about 800 k.
  12/15/16 total assets somewhere around 860k.  Would be stronger growth but the housing market has been pretty flat so I didn't calculate any growth in housing value this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Landslave on December 14, 2016, 08:19:45 PM
We have seen rebound appreciation of depressed real estate add to a lot of our value this year. And I had a killer business year last year.  Total net worth up about 20%.  But, because we are not levereged at all, and because we annuitized some of our stock holdings (did it right in 2003 at 7.2% fixed return) it is coming a little slower than it could.....but much of it is 100% secure and that makes me happy inside.  Real estate is yielding well now and we hope to buy 3 more houses as the proceeds accumulate.
We hope that our 401K and SEP IRAs will yield about 1/3 to 1/2 what the annuity will without touching princ. by the time we retire, too.

My FIRE date about 6 years away when I am 59 and wife's about 3 years when she is 61.  At that time, all going to plan, we will have replaced our working incomes entirely on interest alone, which is cool.  Instead of saving it, we can spend it!




Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: letired on December 14, 2016, 09:47:35 PM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

That's impressive! What changed this year?

High five on the successful career change!! That's awesome!

Completely changed careers from retail management to Enterprise Software sales in 2015.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 15, 2016, 10:04:06 AM
Bumper year for us.

Shot up from 67% of target to 79% of FIRE target so far.

Waiting on retirement fund manager reports in Jan, and with the good share market I could prob expect another $30K as a cherry on top for the year.

Good year in real estate, plus an extremely high income year from my job.

Expecting realestate to flatline in 2017, but high employment income to continue for at least 1 more year, if my job doesn't kill me in the mean time. Lol.

No idea what the share market might get do in 2017,  but we'll keep accumulating and increasing our exposure.

Approx: Net Worth composition as of today:

- Real Estate 60% (still 50% leveraged. Currently renting my abode and will look to buy somewhere at FIRE))
- Stocks (post tax) 10% (mostly index funds, plus a few other odds and sods)
- Retirement funds 28% (Australian Superannuation - growth focussed so mostly stocks)
- Pension (Discounted valuation) 10%
- Cash 2%

Working on increasing share market exposure % in 2017, with all savings to be directed there, as opposed to retiring real estate debt.

Think NW at FIRE will be:

Home: 25%
Investment real estate: 20%
Pension: 8%
Bonds: 5%
Stocks: 45%
Cash 2%


Thinking maybe 2.5 years to FIRE, but might pull the trigger a little earlier and roll the dice on picking up some post RE non-investment income.




Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: KelStache on December 15, 2016, 10:18:49 AM
With my first full year of working, and husband recently finishing school/starting work it's been a good year :) With our wedding and husband only working a few months, this should continue to improve in 2017.

Net worth Dec 2015: $1,270
Net worth Dec 2016: $38,700 (includes $5K honeymoon fund)

Increase : +$37,430
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zoot on December 15, 2016, 11:10:46 AM
December 2014:  $696K
December 2015:  $761K
December 2016:  $878K

Wow--how is that even possible?  But there it is in black and white in my spreadsheet, so it must be true.  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 15, 2016, 11:59:24 AM
I was up so much in the first 6 months, and down from there, I started to get depressed.  But my 1-year increase is still great, so I guess I shouldn't cry
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: recklesslysober on December 15, 2016, 12:53:42 PM
Posting to follow for inspiration and also to mark the start of my foray into MMM. I started using YNAB in January 2016 but didn't start posting on MMM until November 2016. I'm amazed at the changes in my life already after only 6 weeks, so I'm looking forward to seeing what a full year of this can really do. 

2015: -$133,000
2016: -$110,000 (+$23,000)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ysette9 on December 15, 2016, 01:08:11 PM
Seeing this topic in the list of unread threads for a long time now prompted me to do the calculations for us It's off by 2 weeks (30 Dec 2015 to 15 Dec 2016), but whatevs.

2015: 1214953.98
2016: 1472968.49

Delta: 258014.51

Wow!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 15, 2016, 02:03:56 PM
Seeing this topic in the list of unread threads for a long time now prompted me to do the calculations for us It's off by 2 weeks (30 Dec 2015 to 15 Dec 2016), but whatevs.

2015: 1214953.98
2016: 1472968.49

Delta: 258014.51

Wow!

Awesome.. I made about half that with almost no salary contribution and an 80/20 stock/(bond+cash) portfolio on a slightly bigger portfolio.

What are you doing? Robbing banks?..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: acooper610 on December 15, 2016, 02:38:17 PM
Dec 2014 - ($10k) NW, graduated college with engineering degree, owed parents $12k for college.
Started working in early 2015
Dec 2015 - about $20k NW, still owed parents about $6k. Cheap COL, several roommates
Dec 2016 - $71k NW according to Mint, started reading MMM in April or May 2016, paid parents back.

Not bad for 24 years old!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ysette9 on December 15, 2016, 02:42:03 PM
Our AA is probably something like 95/5 and our baseline auto contributions plus match should have come out to $133k this year. If any extras like RSUs or bonuses come in during the year, then those get saved. I don't have the details in front of me now to know exactly how much we funneled in and how much was investment gains, but it is cool to see how powerful a few percentages up in market turns into some serious dough.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 15, 2016, 02:47:52 PM
Dec 2014 - ($10k) NW, graduated college with engineering degree, owed parents $12k for college.
Started working in early 2015
Dec 2015 - about $20k NW, still owed parents about $6k. Cheap COL, several roommates
Dec 2016 - $71k NW according to Mint, started reading MMM in April or May 2016, paid parents back.

Not bad for 24 years old!

Not bad?.. Thats fantastic.. Well done..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: gimp on December 15, 2016, 03:20:13 PM
I guess it's pretty close to the end of the year, right? Short of someone in high political office tweeting something ludicrous, stock prices probably won't move much. Net worths figure in all investments, savings, and loans.

BS graduation: mid-2014; loans: ~$38k at graduation

2015: $87,698
2016: $151,595
Delta: + $63,897 + fun car ($0 on net worth sheet, ~$20k to buy and register)

About $20k less than last year, which is hardly surprising given the above. Still quite decent.

Looking forward to seeing the kind of numbers some of you folks are seeing, some day.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 16, 2016, 12:13:55 AM
I get paid next week so there's still a bit of inflows to come before the year is out.

Suffice to say I'm tracking almost exactly the same increase as last year at about +178k.

Bricks and Mortar... it just rained growth again this year. Will post a final figure on 31 Dec and roll on 2017 when I should cross $1m :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 16, 2016, 12:59:18 AM
I get paid next week so there's still a bit of inflows to come before the year is out.

Suffice to say I'm tracking almost exactly the same increase as last year at about +178k.

Bricks and Mortar... it just rained growth again this year. Will post a final figure on 31 Dec and roll on 2017 when I should cross $1m :)

Killing it, as always. Well done.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hoosier on December 16, 2016, 11:15:42 AM
January 1.  Everything but the house.  No debt.

'14: 238K
'15: 264K
'16: 292K
'17: 394K (projected)

This year is a little misleading due to the dump the market took in the end of December last year where I dropped about $30K in a week.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 18, 2016, 04:48:20 AM
January 1.3 M
December 1.575
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dividendsplease on December 18, 2016, 06:12:44 AM
end of 2015: 27,198

found MMM

end of 2016 proj: 81,257
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Gerard on December 18, 2016, 09:53:59 AM
It's heartening to see people's net worth go from negative to positive.

I'm up about 32K this year, but I went back and did all six years for which I have data, and it was a really reassuring upward slope.

I hadn't actually done this look-back for a while, so thanks, OP, for reminding me!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: AllTheLights on December 18, 2016, 11:15:30 AM
First time posting but I have been reading for a while.  I was relatively money conscious prior to finding MMM but my awareness has definitely gone up since reading this blog and others over the past 8 months or so.

NW Gains by year:
2013: +$29,300
2014: +$28,700
2015: +$40,900
2016: +$64,400 (projected)

These are inclusive of property value increases.  We bought our first home in 2014 and spent a lot of money on household wares/improvements/stuff, that's why the increases stagnated a little bit.  We got our heads on straight in late 2015 and then kicked into a higher gear this past year.  Altogether my personal expenses were reduced by almost $18k (I was really spending like a drunken sailor in 2015 apparently) in 2016 compared to 2015 and there is still room for more improvement.

I'll revisit this post after December 31 to see how accurate my projection was.  Maybe I'll include some info about our combined NW change as a couple (numbers above are just me).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on December 18, 2016, 01:28:14 PM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.

Approximate 2016 end of year numbers! Needless to say.... a big jump this year. +$78,517 in 2016. Combined earnings will probably come out to ~$105k for the year. Combination of market gains, home purchase that worked out nicely (immediately valued higher than we paid), and a generous gift from my grandmother to help pay some student loans.

12/18/2016: $108,317
11/20/15: $29,800
1/1/15: $0
(2014, -$20k, although that's pretty much a total guess)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 18, 2016, 02:58:41 PM
Haven't gotten the end of year dividends from Vanguard and can't see the earnings info on our 401ks at the moment, so this is just an approximation..

As of today, at least $100,000.   That assumes a flat market.

I'm going to move stuff from all our old 401ks into Vanguard at the start of the year so I can get better visibility, streamline things, and get better returns.  Don't want to take a chance on losing out on the end of year dividends from the old accounts
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zaga on December 18, 2016, 05:46:08 PM
I like the idea of what % of FI we are each year.  Pretty standardized that way!

Jan 1 of 2016 =19% FI
Jan 1 of 2017 ~27% FI (we are at 26% now, end of year contributions are larger than other months)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 18, 2016, 05:59:52 PM
JAN 2014 - $364k (owned a truck, a garage full of "stuff," investments were fairly conservative and spread across 30 high fee funds. And half that $364k was cash!
DEC 2014 - $458k (sold truck, sold stuff, started Roth IRA for DW, got into Vanguard with a much more aggressive AA, deployed and came close to maxing the extended TSP limit)

DEC 2015 - $525k give or take what happens next week.  This year was fairly straightforward as far as AA and contributions go so my NW increase was pretty much what I put in to it since I had zero growth.

DEC 2016 - $650k. So around a $125k increase, and $72k of that is contributions.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on December 18, 2016, 09:31:15 PM
Haven't gotten the end of year dividends from Vanguard and can't see the earnings info on our 401ks at the moment, so this is just an approximation..

As of today, at least $100,000.   That assumes a flat market.

I'm going to move stuff from all our old 401ks into Vanguard at the start of the year so I can get better visibility, streamline things, and get better returns.  Don't want to take a chance on losing out on the end of year dividends from the old accounts

Mutual fund distributions will generally reduce the net asset value of the fund, so it generally will be a wash. You won't lose out by moving stuff now.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on December 18, 2016, 10:30:48 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:

(http://i.imgur.com/QGGkgmR.jpg)

Not expecting those real estate gains to continue...
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 18, 2016, 11:40:21 PM

Not expecting those real estate gains to continue...

I said this a year ago. It did :D

Dare I say it again this year?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 19, 2016, 11:23:18 AM
Wow, if your investment account is increasing by 3x gross earnings I would presume your days earning "gross earnings" are very limited in number.

Even if you were spending 100% of current gross earnings you would have accumulated a further 2 years of spending in a year of being FIRED. That's a lot of growth.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: PhrugalPhan on December 19, 2016, 12:17:32 PM
Not including any real property (house / car / misc.):  I started the year at $540k in investments (not including savings).  As of this week, I am around $670k in investments.  My savings total hasn't really moved.  So a $130k investment increase on a $90k salary (and $20k yearly expenses).  I could get used to this.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Tigerpine on December 20, 2016, 08:04:16 PM
It was 2015 when I started to really get my fiscal house in order, so my numbers are nowhere near as impressive as those before me, but....

Started the year with a negative net worth of roughly $3700.
Ended the year with a positive net worth of roughly $35,000.
Net gain of about $38,700.

Heading in the right direction!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 20, 2016, 09:50:47 PM
It was 2015 when I started to really get my fiscal house in order, so my numbers are nowhere near as impressive as those before me, but....

Started the year with a negative net worth of roughly $3700.
Ended the year with a positive net worth of roughly $35,000.
Net gain of about $38,700.

Heading in the right direction!

Awesome!    Keep that up and you'll be in great financial shape really fast.  And the rate of accumulation accelerates as time goes by, especially as you're now in positive net worth land!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on December 21, 2016, 09:55:07 AM
Dec 2015: $65,356
Dec 2016: $106,701

+ $41,345

My (ambitious) goal for 2017 is to hit $150k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: obstinate on December 21, 2016, 11:45:51 PM
This %FI idea is fantastic. I didn't post raw numbers before because it would seem like bragging.

Start: 69%FI
Finish: 84%FI (+15%)

!! This is a rough estimate because I deleted my Mint this year in a random panic and only started back on tracking midway through the year. I don't have exact numbers on what my networth was at the start of the year, so I'm just working backwards from my income less expenses, and the one-year view of Personal Capital's YouIndex.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mousebandit on December 22, 2016, 04:40:01 AM
Aug 2015 discovered MMM
Dec 2015. NW $96,470
Dec 2016. NW $269,100

Increase: 172,630

The vast majority of this is from selling our old homestead and buying a new one, but it feels good, liquid or not. 

Not sure yet for 2017 goal, but it will include $37,500 in liability reduction, and maybe another $25,000 in savings.  Shooting for a 50% or better 2017 SR.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: happy on December 22, 2016, 04:43:01 AM
My net worth increased by a tidy sum, mainly due to increase in  the value of my PPOR.
In terms of liquid stash, I went from 71%  of RE target to 80% of RE target.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hikeandbike on December 22, 2016, 09:08:46 AM
2015 - $421,845 (all investments, no house - I'm a renter)
2016 - $500,240 as of today I hit that magic number!!

Net increase - $78,395
max'd 401K, added about $15K to my taxable accounts through business, rest is investment returns on my index fund/bond mix at Vanguard.


Good year...time to go hike in the woods for awhile.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FireHiker on December 22, 2016, 11:41:03 AM
My first time joining in here:
2015: NW $954k total, NW not including home equity $513k
2016: NW $1.151M total, NW not including home equity $619k

There is still a TON of fat to trim in our spending, but we've increased our NW $106k this year not including our home equity. Some cash savings/bigger contributions to 401K accounts, a lot is market gains. Oh, I didn't include the HSA in those numbers, but it's only about $5k. Since we will sell and move to a lower COL location in retirement we will use our home equity to buy something outright and probably to pay for the younger two kids' college expenses. We want to travel extensively in retirement, and my husband is not as willing to live as frugally as I am, so our target NW for retirement is probably higher than the average here. We haven't settled on the "magic" retirement number yet because we're still in discussion on it. He wants $2.5M plus owning a home outright. I think that's overkill and think half that is adequate for a comfortable retirement.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 22, 2016, 12:44:36 PM
My first time joining in here:
2015: NW $954k total, NW not including home equity $513k
2016: NW $1.151M total, NW not including home equity $619k

There is still a TON of fat to trim in our spending, but we've increased our NW $106k this year not including our home equity. Some cash savings/bigger contributions to 401K accounts, a lot is market gains. Oh, I didn't include the HSA in those numbers, but it's only about $5k. Since we will sell and move to a lower COL location in retirement we will use our home equity to buy something outright and probably to pay for the younger two kids' college expenses. We want to travel extensively in retirement, and my husband is not as willing to live as frugally as I am, so our target NW for retirement is probably higher than the average here. We haven't settled on the "magic" retirement number yet because we're still in discussion on it. He wants $2.5M plus owning a home outright. I think that's overkill and think half that is adequate for a comfortable retirement.

You know the really cool thing about these posts is that folks are measuring their financial growth and seeing progress.. Even if we get negative returns in some years we can over time see a steady march upwards in our financial wellbeing.

So many families just exist.. they either stay where they are or dig themselves a deeper financial hole, mainly because they never measure their NW or do anything to positively influence it.

We have about what your DH wants and our basic expenses are about $30k per year... Do you know what your annual living expenses are out of interest?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FireHiker on December 22, 2016, 01:39:50 PM
Exflyboy, do you mean our current annual expenses or projected for retirement? Our current annual expenses are obscene and nothing like what retirement will be. I have tracked every penny in and out since mid 2014, before finding MMM, so I know what we spend now, and I'm using it to scale down to what I think retirement will look like once kids are launched and we downsize our home. Once we use our home equity to buy a (much smaller, much cheaper) home outright, I estimate our annual expenses without travel to be around the $25k mark. If we add an outrageous travel/recreation/fun budget of $2k per month, that still only ends up being about $50k a year, which is how I determined the $1.25M being adequate. I assume we will settle somewhere around the $2M mark in the end so that we have a bigger buffer for his comfort level.

And I agree with you about how great it is to see everyone here measuring their progress over the year and being aware of their financial picture. I know far too many people IRL who wouldn't even know what net worth is, or think they could do anything differently. I'm really thankful for the community here.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 22, 2016, 02:10:12 PM
Invested b/c thats really what matters:

2015: 250k
2016: 450k

Home equity:
2015: 70k
2016: 150k
Moved to a bigger home bought below market value.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 02:57:47 PM
My turn:

2012 - $295k
2013 - $419k
2014 - $534k

2015 - $713k
2016 - $896k - assuming flat markets next week.

Out of this, only $210k would be considered net investments (taking out house equity and super). So therein lies the "problem" I have... not enough liquid, cash flow generating investments.

Something to solve in 2017.


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 23, 2016, 03:10:28 PM
Nice work, Marty.

I also have seen huge RE gains (though I don't have to take out the value, because mine provide lots of cash flow besides appreciation, per our different investing strategies we've discussed--rather than it being a "problem" towards FIRE, it vastly speeds up FIRE and makes it more secure versus sequence of returns risk).

I wrote a WHOLE long post for this thread a week ago actually, to give people a look at what net worth growth for a real estate investor can look like, complete with animated gif, years of data, financial goals in FIRE, etc.

Then I sat with the tab open, not posting it, for days, because of a comment someone made on their journal.  I finally cut and pasted it to a notepad file and saved it and closed the tab, and am still debating posting it.

Suffice it to say, RE investing is stupid (in a good way).  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: GoConfidently on December 23, 2016, 04:45:44 PM
My net worth tripled this year. Yes, I'm new to this and so it was low to begin with but I'm still super proud of myself!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 23, 2016, 04:52:46 PM
My net worth tripled this year. Yes, I'm new to this and so it was low to begin with but I'm still super proud of myself!

So you should be!.. Well done..
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFan on December 23, 2016, 05:36:05 PM
Nice work, Marty.

I also have seen huge RE gains (though I don't have to take out the value, because mine provide lots of cash flow besides appreciation, per our different investing strategies we've discussed--rather than it being a "problem" towards FIRE, it vastly speeds up FIRE and makes it more secure versus sequence of returns risk).

I wrote a WHOLE long post for this thread a week ago actually, to give people a look at what net worth growth for a real estate investor can look like, complete with animated gif, years of data, financial goals in FIRE, etc.

Then I sat with the tab open, not posting it, for days, because of a comment someone made on their journal.  I finally cut and pasted it to a notepad file and saved it and closed the tab, and am still debating posting it.

Suffice it to say, RE investing is stupid (in a good way).  :)

I'd love to see it! Though it will probably make me regret selling our duplex.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 06:20:30 PM
Nice work, Marty.

I also have seen huge RE gains (though I don't have to take out the value, because mine provide lots of cash flow besides appreciation, per our different investing strategies we've discussed--rather than it being a "problem" towards FIRE, it vastly speeds up FIRE and makes it more secure versus sequence of returns risk).

I wrote a WHOLE long post for this thread a week ago actually, to give people a look at what net worth growth for a real estate investor can look like, complete with animated gif, years of data, financial goals in FIRE, etc.

Then I sat with the tab open, not posting it, for days, because of a comment someone made on their journal.  I finally cut and pasted it to a notepad file and saved it and closed the tab, and am still debating posting it.

Suffice it to say, RE investing is stupid (in a good way).  :)

I'd love to see it! Though it will probably make me regret selling our duplex.

I would like to see it too. I appreciate we have have different views on what constitutes a good real estate deal, however that is due solely to unconscious (or conscious) bias with respect to our home markets.

Cash flow is certainly safer IMO, but it's very difficult to play that game and put your foot in that sandpit in Sydney.

I've worked within how our market is structured. It's just the way things have always been here. When the government is reluctant to change the rules towards a cash flow bias instead of capital because they're worried they'll be thrown out of office, then you can only go along with it.

You guys have a saying... "Don't fight the Fed"? It's unreasonable to be a contrarian when the herd has been moving in one direction for 35 years.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 23, 2016, 08:18:48 PM
Our bigger disagreement is on the fact that you feel you have to invest in your local market, and I feel it's better to go elsewhere for a better deal if my local market doesn't meet my criteria.

Going for cash flow or appreciation both can work, but the latter is just too much hope for me.  A lot of times it works out though, as long as you aren't the greatest fool at the end of the line.

When you are getting paid cash flow all along the way (which funds more properties in accumulation, or funds your FIRE), and then appreciation that you eventually might tap, or not, well, I just can't see why not to go for that. Much safer, much better feeling to have those checks deposited in your account monthly.

And if that isn't available where you live, invest where it is.

:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ender on December 23, 2016, 08:55:18 PM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 23, 2016, 08:57:08 PM
Taking carefully calculated risks is the best path to success, IMO.

EDIT: Index funds will definitely get you there. Slow and steady definitely wins the race.

For someone very conservative, that may be the best path. Of course, for someone more conservative, CDs and a 1% WR might be the right path.

As with all the trade-offs, you're adding years of work by not adding some risk (which you can mitigate with education--I'd argue it's not riskier at all, if done right) and by adding work in the short term (it is definitely more work up front, though less than a full time job for extra years).

I mentioned in my analysis how many extra years we'd have had to work (we'd still be working) if we were saving up for a traditional 4% WR.

Your reluctance to invest elsewhere is understandable, but just means you need to spend time educating yourself on how to do so safely, IMO. :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: flamingo25 on December 23, 2016, 10:44:28 PM
2014: $291k
2015: $377k
Projected end of 2016: $448k

We were hoping to make a 100k increase but we had some significant unexpected expenses this year (mostly repairs on our old house).

We also had our first child in late 2015 and I quit my job to be a stay-at-home mom. All things considered I feel like we did pretty well.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 10:58:00 PM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 10:59:12 PM
2014: $291k
2015: $377k
Projected end of 2016: $448k

We were hoping to make a 100k increase but we had some significant unexpected expenses this year (mostly repairs on our old house).

We also had our first child in late 2015 and I quit my job to be a stay-at-home mom. All things considered I feel like we did pretty well.

Up $70k while on one income and a growing family is a huge effort - well done!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: gb8895 on December 23, 2016, 11:06:25 PM
Approximately from
2015 $550k
2016 $950k

A good deal of this increase was in presumed home value... I don't really believe the Zillow numbers but this is what Mint plugs in for you.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 23, 2016, 11:17:53 PM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.

I'm not that far from you, and I can recommend an awesome tenant... :P
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 24, 2016, 12:23:16 AM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.

I'm not that far from you, and I can recommend an awesome tenant... :P

Question is, how will I bring myself to raise the rent on you and your DH each year?

Or are you banking on that? ^_^
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 24, 2016, 02:18:15 AM

Question is, how will I bring myself to raise the rent...

I know one of your tenants. We'll unionise! :P
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 24, 2016, 02:24:03 AM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.

I'm not that far from you, and I can recommend an awesome tenant...

Question is, how will I bring myself to raise the rent on you and your DH each year?

Or are you banking on that? ^_^
Add automated rent increases into the initial lease. :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Lski'stash on December 24, 2016, 07:35:29 AM
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:

(http://i.imgur.com/QGGkgmR.jpg)

Not expecting those real estate gains to continue...

This is so neat! How did you make it?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Lski'stash on December 24, 2016, 07:48:08 AM
I only started keeping track of my networth a year and a half ago, after starting a blog on this forum, but

In July 2015: Net worth $80,700
In November 2016: $134, 275.

Since starting this blog, I've had a net worth increase of $53,575. Not bad, but this next year, I think, we will be able to do that all in one year. We moved this year to a downsized house that needs remodeling, so a lot of our savings right now is going towards renovations.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Mrs. D. on December 24, 2016, 09:14:40 PM
I don't actually have data from end of year 2015, but here's what I do have.
Mar, 2016: ~157
Dec, 2016: ~172

+15K

Living on one modest income and raising a little one. Not as impressive as some of the other numbers I've seen but we're moving in the right direction. Goal for 2017 is to hit 200K.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rife on December 25, 2016, 05:06:12 AM
We paid back some 401k loans, market is up and my wife got a big company contribution to 401k (part for losing pension-about about 15% total). Our 401ks more than doubled from 135000 at the end of 2016 to 280000 now. Now we can start building up non-retirement accounts. Total net worth increase approximately 165000.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: waltworks on December 25, 2016, 08:26:00 PM
I'm assuming we're not counting property, which according to Zillow makes us millionaires (who's got two thumbs and waaaay too much house? This guy...)

We went from ~$400k in liquid net worth to... $400k.

What?

-DW retired to ski, ride, and hang out with the kids full time, taking her former $50k postdoc income and full benefits to zero. It was pretty funny trying to explain to other grad students/postdocs (and her boss) that she wasn't coming back...
-I cut back to about half time work.
-We spent $75k on building a nice 2 bedroom vacation-rental apartment in our basement that should bring in more than half our annual expenses.
-We took the kids on camping, hiking, and ski trips and generally hit the library and the park as much as we wanted.

So I'm ok with no net change in status for the year, really!

-W
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 25, 2016, 10:30:11 PM
That's a pretty good year, ww!  Love it.  :D
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nate R on December 25, 2016, 11:28:48 PM
End of 2013: 26.9K
End of 2014: 41.3K
End of 2015: 77.9K
End of 2016: 120K

Difference: + 42.1K.

Changes this year:

Bought a 2nd piece of property adjacent to our first piece on which we want to build a cabin eventually. That cost us $7K out of pocket.
Had over $10K in vet bills this year, ended up losing a young (3 year old) dog to cancer, which we initially were told likely was not cancer. Spent that money out of pocket
Spent several thousand on building an outhouse, outfitting our camper and other things for our new land.
Accelerated our car plan a bit, bought a brand new Hyundai Accent for $17K. (Small stickshift hatchback with good trunk space, at least) Took out a super cheap (2.4%) loan for most of that purchase.
Wife started a new job last week. Got out of a bad situation, more base pay, more time off, 1/2 the commute, and this job looks very promising!
Had lots of overtime $ in the beginning of the year, but that was cut off about mid year.

Overall, several challenges this year, some intentional, some unexpected. Very happy with the financial outcome given the challenges encountered. Hoping to have less challenges this year! Either way, happy to hit $120K in NW this year!

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Nick_Miller on December 26, 2016, 10:14:53 AM
Our net worth almost doubled in 2016, increasing $63,186.39, up from $80,165.78 to $143,352.17. It was a combination of paying down debt, increasing investments, and some slight home value appreciation.

We are moving next year (same city), so there will be some associated costs, but I am still optimistic that we can bump up to $200,000 net worth by end of 2017.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: aceyou on December 26, 2016, 10:33:50 AM
December NetWorth Update / 2016 Overview

Start of 2016
cash    $72,369
short term investments    $40,087
retirement investments    $34,544
pensions    $72,283
car values    $11,000
life insurance policies    $7,600
home equity    $111,952
Net Worth    $349,835



End of the year:
Retirement Investments    $75,991
Short Term Investments    $41,915
Cash    $46,230
Pensions    $143,669
Home Equity    $121,114
Car Value    $10,600
Life Insurance    $8,500
Net Worth    $448,019



2016 Finances At A Glance               
Our net worth increased by $98,184               
Our net worth not counting pension increased by $54,864               
We added $41,447 to our retirement accounts               
We paid off final $28,000 on your years               
We paid for rest of wife's Ed Specialist degree and 15 credits for my MA+15 out of pocket               
DW got a new job, increasing our salary by about $15,000/year.  Great job babe!!               
               
               
Looking Ahead to 2017               
We will try to fill up both of our 403/457/Roth's for total of $83,000 invested               
We will pay about $10,000 more towards principal on our mortgage               
We will contribute about $10,000 towards our pensions               
In total, about $103,000 of our income will go towards savings next year               
Because we will be putting so much into investments, our bank account will dip               
Saving this aggressively will likely decrease our bank balance by about $23,000               
Subtracting these numbers, our true savings will be ~$80,000 next year               
Assuming normal growth, our current investments should grow ~$10,000 next year               
So, a good year means we increase our net worth by ~$90,000 in 2017               
I believe these numbers are ambitious but doable               
This puts us on schedule to be FI by around 41 and definitely able to retire at 48 as has been our plan.


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 26, 2016, 10:52:17 AM
The combined power of two 403/401k plans also means you will be making a sizable dent in your taxes too. We only had a single 401k (DW has a teachers pension instead).

If you live in Oregon where ALL (the first $4250 or so is free) income is taxed at the same rate at a hefty 9 to 9.9% that would have made a big dent in our taxes over the years.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Dirt Rich on December 26, 2016, 11:07:16 PM
Killed around 25k in debt
Added around 10k in retirement accts
Massive diy home renos adding at least 10k in value (uneducated guess)

~$45k net worth increase
 
Wow this is actually kind of surprising. I was feeling a little sad that we aren't rich yet lol, but I guess we did better than I thought : )
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mochila on December 27, 2016, 09:34:47 AM
I've been tracking my NW only since 2011, when it FINALLY went positive.

For 2016 it's up 40%, thanks to a change in role that added enough to my salary to enable me to max out my 403b, Roth IRA, and 457.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: StarBright on December 27, 2016, 10:00:29 AM
This was our first year with two incomes and mustachianism and holy cow what a difference it makes!

January 2016: 208k
December 2016: 266k
Those numbers include home equity - we bought a house in September.

Non home equity change was:
January: 136k
December 206k
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 28, 2016, 11:07:30 AM
Killed around 25k in debt
Added around 10k in retirement accts
Massive diy home renos adding at least 10k in value (uneducated guess)

~$45k net worth increase
 
Wow this is actually kind of surprising. I was feeling a little sad that we aren't rich yet lol, but I guess we did better than I thought : )

Being rich is a function of putting one Mustacian foot in front of the other day after day for years.. Don't fall off the wagon and one day you'll be amazed that you have a million dollar portfolio!..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Phryne on December 28, 2016, 03:23:19 PM
Congrats everyone!

 I run our financial year to end Nov.

NW (investments & property)
 Nov 15: $865k
 Nov 16: $1,085k

Very happy with that increase: this year we sold an IP at what we thin was market peak, partly offset by ridiculous $$ repairs to another (would love to have sold that one but CGT says no) and DH stopped working in April to look after a sick relative & then himself.  No expecting the same gain this year, as we are planning on ploughing some back into our house  (and visiting my sister in the UK in August)


We're at 61% of our FIRE number, the end is in sight!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: YellowCat 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mpav 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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MM_MG 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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Heckler 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!

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: WerKater 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 :-)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SeattleStache 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SCUBAstache 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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: McStache 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: startingsmall 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!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Mormon Money Mustache 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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Hey It's Me on December 30, 2016, 11:08:50 PM
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K (!)

Just broke 6 figures! :D
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zikoris 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dividendsplease on December 31, 2016, 06:42:16 AM
end of 2015: 27,013
end of 2016: 91,178

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: overwhelmed 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 :)

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Roots&Wings 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!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: aspiringnomad 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.


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Al1961 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Cherry Lane 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Half Stached 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: plainjane on December 31, 2016, 08:34:52 PM
Invested assets increased by 25% (more than my pre-tax salary).
Paid off the house.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: jengod 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on January 01, 2017, 06:21:38 AM
+198k . Good Year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: stacheasaurus on January 01, 2017, 09:21:13 AM
December 2015: 2.6k
December 2016: 31.1k

+28.1k!
Savings rate: 43%!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour 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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: letired 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%!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: del84 on January 01, 2017, 06:51:56 PM
Dec 2015: $1,025,000
Dec 2016: $1,127,000

+$102,000
9.95% increase
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote 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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Hey It's Me 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!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 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)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Faramir 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   
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam 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)

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalByChance 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)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Gunny 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NorCal 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.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Vertical Mode 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!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: jorjor 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: jmuth 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

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Etlav5 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 !
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: TheFirstMan 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%


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: LWTG 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 :)

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SingleMomDebt 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!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour 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!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Polish_Hammer 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)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mbk 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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: tarheeldan on January 03, 2017, 05:33:45 AM
Congrats all!

My net worth ended up $41k higher on gross earnings of $71k. Great year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: boarder42 on January 03, 2017, 07:37:14 AM
NW was up almost 200k and investmented NW was up around 150k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sw1tch on January 03, 2017, 08:50:21 AM
What a great year:

1/2016 - $275,600
1/2017 - $400,014
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MVal on January 03, 2017, 09:28:16 AM
Starting NW Jan 2016: $50K
Starting NW Jan 2017: $84K

I am very proud to have raised my NW by $34K in one year with only a $40K salary!

My expenses might go up in 2017 at some point, but I hope to still be able to add $25K or so this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BabyShark on January 03, 2017, 09:34:48 AM
Didn't start tracking until last year but here goes:

December 2015: $135,962.58
December 2016: $181,753.15

$45,790.57!  Going to shoot for $235,000 next year, an increase of $53,246.85, which is a little ambitious for us, but doable.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 03, 2017, 09:51:26 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K

Holy crap...it is amazing to lay out all our hard work like this and see it happening for real.

The other big thing that we accomplished this year was the DH actually retiring from the military.  I don't have that pension added into our NW number, but what it did do was bring our FIRE number down significantly.  We are FI right now, but I'm continuing to work to feed my OMY syndrome.

DH just got offered a job at my exact pay grade, so once that gets set in stone, we are planning for us to switch places while he goes back to work for 24 months to pay for his expensive car hobby while I take care of the house/kids/MIL.  The freedom, it feels good!


Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Jessamine on January 03, 2017, 09:58:54 AM
2013: 179k
2014: 200k (+21k)
2015: 340k (+140k) [80k was from increase in home value]

2016: 416k (+76k)

I have higher hopes for this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on January 03, 2017, 10:35:50 AM
Keeping the total numbers private, but up about $31,000 for the year. Currently a full time PhD student working part time as a programmer with a gross income of about $40,000. About half of the increase is due to market appreciation, the other half is due to savings.

Don't be discouraged by small progress, be content in the knowledge that you're on the right path.

I was in your shoes not too long ago, overeducated but nearly broke, striving to put a few thousand per year into my Roth.  10 years later my net worth sometimes fluctuates more in a single day than it used to in an entire year.  Stay the course and freedom can be yours.  This entire thread is a good reminder that this plan works.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Slee_stack on January 03, 2017, 11:51:11 AM
We were around +$150k for 2016 excluding real estate appreciation and tangible property.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OurTown on January 03, 2017, 02:48:17 PM
We are plus $94,000 for the year.  Considering my lack of badassity, that's pretty amazing.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: LWTG on January 03, 2017, 02:48:38 PM
Thanks Chippewa, ninetyfour and MonkeyJenga!!!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sparky28 on January 03, 2017, 02:58:11 PM
Nov '13 - $104k
Nov '14 - $142k
Nov '15 - $183k

Day to day, sometimes feel like I'm treading water, it's great to look at the bigger picture.

Nov '16 - $245k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Gen Y Finance Journey on January 03, 2017, 03:22:47 PM
Not counting home equity, our increase was roughly $37k in 2016. Including home equity, it was roughly $96k. Not bad considering I was on maternity leave for 1/3 of the year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on January 03, 2017, 04:16:25 PM
Pretty pumped that my 2016 efforts exceeded the previous 3 years combined :)

Nice work!  Last December you really committed more than you have before, and did a bunch of stuff throughout the year to that end:
1) Tracked spending, honestly.
2) Focused on debt reduction--still doing some "fun" activities, but carefully considering if each one was worth it.

I'm not surprised to see you have such success.  I hope you continue those activities this year.  Good luck in 2017.  As always, we're rooting for you!  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NorCal on January 03, 2017, 07:44:12 PM
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.

Was not able to directly view your image, but it did download and then I could view it locally. Here's a more widely accepted PNG format.

Thanks for that.  Good to know PNG works better.  I'm a big fan of that chart in Quicken.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Pinkman on January 03, 2017, 08:09:15 PM
All net worth figures recorded on January 1st.
Does not include equity in home, which I approximate is around $30K.

AGE / YEAR / NW / YoY Increase / Comments
33 / 2017 / $328K / +$114K /
32 / 2016 / $214K / +$71K / finally paid off student loans
31 / 2015 / $143K / +$42K /
30 / 2014 / $101K / +$48K / got married; 1-time large expense, but now 2 incomes...
29 / 2013 / $53K / +$33K /
28 / 2012 / $20K / ----- /


Conservative goal is to hit $400K milestone by Jan 1, 2018; hoping for 425K-450K


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: HappierAtHome on January 03, 2017, 08:31:36 PM
From February 2016 to January 2017: $182,746.

Not bad considering that the second half of 2015 and first half of 2016 were the most expensive periods of time in our life to-date.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MishMash on January 04, 2017, 07:27:59 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K

Holy crap...it is amazing to lay out all our hard work like this and see it happening for real.

The other big thing that we accomplished this year was the DH actually retiring from the military.  I don't have that pension added into our NW number, but what it did do was bring our FIRE number down significantly.  We are FI right now, but I'm continuing to work to feed my OMY syndrome.

DH just got offered a job at my exact pay grade, so once that gets set in stone, we are planning for us to switch places while he goes back to work for 24 months to pay for his expensive car hobby while I take care of the house/kids/MIL.  The freedom, it feels good!

Can I just say I am jealous he retired, DH still has 4 years to go and may do more to ensure his three years in rank at retirement.  We just returned from our yearly trip to the warmth we plan on retiring to and each year it gets harder and harder to come back knowing it's soooooo close in the future.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Goldy on January 04, 2017, 08:22:39 AM
Dec 2013 - $699,658
Dec 2014 - $859,626
Dec 2015 - $958,149
Dec 2016 - $1,229,319  Increase of $271k

We had a great year relocating to a LCOL area, selling the house for 50k more than expected, and crossed the two comma mark.  This is the first time our NW has increased more than our salary and I suspect it will really start to snowball now.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arrintonpalmer on January 04, 2017, 08:43:34 AM
Woo, this starts to really snowball as the years go by!

December 2015: 372000
December 2016: 489000

Increase for 2016 117k, we bought a house with around 13k in the overall transaction costs,  we had a new baby at the end of 2015, and I spent about 7k on farm business start-up.  Mustachianism works!

This year is my last full year in the Army, so we are expecting next year's net increase to be about half this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dogboyslim on January 04, 2017, 10:45:23 AM
Nov 2016/Nov 2015 - 1 = 11.5%

We are targeting the same for next year, but we need to maintain 8.4% increases in invested assets to hit my FIRE goal by age 50.

ETA: I liked the wr percentage way of discussing this, so I added my numbers in terms of w/r.

If I FIREd today, I'd be at 5.4% wr on invested assets.
Progression if we hit the required min is
2016 5.4%
2017 5.0%
2018 4.6%
2019 4.2%
2020 3.9%
2021 3.6%
2022 3.3%
2023 3.1%
2024 2.8% - FIRE Eligible

Updating for year end, we made 13.5% and are at 5.3% w/r.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: moof on January 04, 2017, 10:59:23 AM
Investments went from right at 500k to 585k (not perfect snapshots on either, sorry).
Shoveled in $49.4k, largely back loaded, the rest was growth.  Goal is for $55k to be shoveled in this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: REfinAnon on January 05, 2017, 08:14:12 AM
I just checked the numbers on Mint.

December 31, 2015 = $242,037
Net Worth Today = $356,460

An increase of roughly ~$114k! Technically this is cheating a little bit as this is probably picking up roughly $5k of market growth from the early 2017 days.

These are my personal net worth numbers. I'm 29 years old and getting married in December of 2017. My fiance has a net worth of roughly ~$90k. I don't expect 2017 NW gains will be nearly as impressive for a couple of reasons. I doubt the market will perform as well, we will incur above standard expenses as a result of the wedding, and I may take a pay cut to leave my soul sucking but well paid finance job. Regardless, it's my goal to get married with a combined net worth of half a million dollars after all wedding expenses. I think we will get there barring some sort of market collapse.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on January 05, 2017, 01:26:56 PM
I just checked the numbers on Mint.

December 31, 2015 = $242,037
Net Worth Today = $356,460

An increase of roughly ~$114k! Technically this is cheating a little bit as this is probably picking up roughly $5k of market growth from the early 2017 days.

These are my personal net worth numbers. I'm 29 years old and getting married in December of 2017. My fiance has a net worth of roughly ~$90k. I don't expect 2017 NW gains will be nearly as impressive for a couple of reasons. I doubt the market will perform as well, we will incur above standard expenses as a result of the wedding, and I may take a pay cut to leave my soul sucking but well paid finance job. Regardless, it's my goal to get married with a combined net worth of half a million dollars after all wedding expenses. I think we will get there barring some sort of market collapse.

Ask for cash towards honeymoon instead of gifts?

Some couple I know have "profited" from their wedding this way...
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: LurkerStache on January 06, 2017, 04:21:48 PM
2013: +8k
2014: +11k
2015: +14k
2016: +26k

Slowly, but surely.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: RichHarvest on January 06, 2017, 10:18:34 PM
Glad this thread was started because I hadn't bothered considering that the house may be worth more since we bought it a year ago. Apparently local prices have increased 11.1%. I'm sure prices will stabilize if not crash again at some point, but for now I'll put it in the calculation.

Gains include both purchases/contributions and returns. I've added the investment-only rate of return for each account/asset.

Vanguard (taxable + non-taxable), 62.3% stocks, 37.7% bonds: +$25,815 (6.9% investment return)
Employer 401(k), 80% stocks, 20% bonds: +$39,674 (14.89% investment return)
House: +$54,015 (11.1% average price increase for city)

Total: +$119K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Irish in Valencia on January 07, 2017, 03:39:10 AM
-15k last year to minus 1,985 this January.
Aim to be at 18k january 2017
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: HAPPYINAZ on January 07, 2017, 08:11:24 AM
-15k last year to minus 1,985 this January.
Aim to be at 18k january 2017


nice work!  Keep it up! 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 07, 2017, 08:51:44 AM
My invested assets grew 15% in 2016.
5% was from adding to the investments by saving/living frugally.
10% was from mainly stock market returns/a little from bonds.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFan on January 07, 2017, 12:29:11 PM
This is one of my favorite threads. It's so great to see how big changes can accumulate over time. Congrats to everyone making progress!

Our NW increased by $179,000 this year, our largest increase yet. We also passed 1M NW. It was a great financial year! Goal for this year is a 170k increase in NW.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on January 07, 2017, 01:51:41 PM
About a $330,000 Networth increase for us, perhaps our last large net worth increase ever as wife and I both quit our jobs this year
About $100,000 of that was from appreciation and capital freed up when we sold our primary residence.

1/1/2016      :   $851,955.14
12/31/2017   :   $1,183,264.32
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Heckler on January 07, 2017, 06:26:57 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!

put another way,

Investment assets total value % increase YtY:

Jan 2014 - Jan 2015: +7.4% getting my MMM feet wet, moved to index investing
Jan 2015 - Jan 2016: +24.3% increased savings rate, still paying off mortgage
Jan 2016 - Jan 2017: +41.7% paid off mortgage, moved mortgage payments to investments

Not bad - no wonder the market keeps going up.  ;)

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalAaron on January 07, 2017, 08:19:58 PM
I'm adding my small net worth here to keep myself honest on chasing 2017 Goals.

I had a failed business venture and 3 years of not earning a salary lead into some decent debt in 2016. I'm happy to say over the next year I'm hoping to move past the 100,000 mark of net worth.

Jan 2015 -20,000
Jan 2016 40,000
Jan 2017 Goal 100,000
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on January 07, 2017, 08:49:08 PM
I'd have been happy just having another positive year.  Oil and gas has sucked lately, so still having a job is reassuring.  As the year went by, I figured I'd be positive, but meh.  Thought Hillary would get elected and I'd muddle through.  Then we had the end of year bull market and I'm up over 15% on a massive and conservatively invested 'stache!  Who would've ever thought I'd be doing the backstroke a la Scrooge McDuck in my later years having internalized the Duck Tales mantra 'work smarter not harder' as a kid!  Life is good when it all goes according to plan (and better, when least expected).

But I don't expect this to last.  Even, at this point, if it lasts another year or two, it is underpinned by finagling that will need to be hedged against (like the dollar weakening, inflating spiking, or real estate falling in value).  But if we can digest these gains and stay flat or somewhat average for the rest of my existence, life will have been exceptionally good! 

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 07, 2017, 09:02:29 PM
I'd have been happy just having another positive year.  Oil and gas has sucked lately, so still having a job is reassuring.  As the year went by, I figured I'd be positive, but meh.  Thought Hillary would get elected and I'd muddle through.  Then we had the end of year bull market and I'm up over 15% on a massive and conservatively invested 'stache!  Who would've ever thought I'd be doing the backstroke a la Scrooge McDuck in my later years having internalized the Duck Tales mantra 'work smarter not harder' as a kid!  Life is good when it all goes according to plan (and better, when least expected).

But I don't expect this to last.  Even, at this point, if it lasts another year or two, it is underpinned by finagling that will need to be hedged against (like the dollar weakening, inflating spiking, or real estate falling in value).  But if we can digest these gains and stay flat or somewhat average for the rest of my existence, life will have been exceptionally good!

Hey EV.. I can see how perhaps we might be flat to down for a few years but gosh, your only 43 dude I would expect some growth between now and when you depart this Earth..:)

Incidently.. What do you mean by "conservatively invested"? At 15%  that bears my 80/20 ETC portfolio, so I'm assuming your are more aggressive than 80/20? stock/bond.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: neophyte on January 08, 2017, 02:10:03 PM
I started tracking spending and savings in April, so for the last 9 months of 2014 my net worth increase was $8846 during that same time my spending was $9783.  Seeing it spelled out like that makes me feel like it was hardly worth it.

Here's my 2014 post, I can't find one for 2015. In 2016 I saved $18,983 (including employer contributions). My net worth increased by $43,208.  For comparison sake my gross wages were $36,896 and my take home was $13,740. For me that's a pretty impressive increase.

A good chunk of that was finally becoming vested at work so I added a several years of employer contributions to my retirement account all at once.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hidetheloot on January 08, 2017, 11:21:10 PM
Code: [Select]
DELTA
Net Worth 2009 0 0
Net Worth 2010 10,000 10,000
Net Worth 2011 44,772 34,772
Net Worth 2012 55,982 11,210
Net Worth 2013 172,493 116,511 #grew a mustache thanks to coworkers
Net Worth 2014 279,041 106,548
Net Worth 2015 383,318 104,277
Net Worth 2016 521,220 137,902
# hoping to majorly cut back on spending, and not have health expenses - +150-170 -- maybe :S
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BTDretire on January 09, 2017, 11:33:20 AM
  For some reason I  didn't do a 2015 year end tally, so this is for 13.5 months.
11-17-15 to 12-31-16, increase of $166,763.

Our 6 year average gain from 12-31-10 to 12-31-16
$880,948 \  6 =  $146,824

 I'm older than most at 61 yrs old.
We are FI, I retired 9 days ago, my wife still works.
I don't expect to add anymore to our savings except for market returns.
All of my wifes earnings will go to meet our living expenses and get one of our kids
through 5 more years of dental school, the other through two more years of college.
 I hope to not need to touch our savings for at least 5 more years.
Got my fingers crossed on that.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: LWTG on January 09, 2017, 11:47:27 AM
We are FI, I retired 9 days ago, my wife still works.

Congrats!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Ambergris on January 11, 2017, 08:28:30 PM
Income during this period was ~72k; these are my NW numbers for this year:

12/31/2015: 567560
12/31/2016: 674842

Difference: 107282
Actual liquid FI funds: 572447
That's a lot more than I thought it would be: contributions were approx 40k.

I'm feeling encouraged.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: shanghaiMMM on January 11, 2017, 08:45:39 PM
Quote
2012   55,982   +11,210
2013   172,493   +116,511

Wow!

Look at the difference when you grew a mustache! Good work!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: nora on January 12, 2017, 02:36:31 AM

Ours increased 300000. Unreal.  I never would have believed it if I hadn't written it down. From 650000 to 950000. Most of that was home equity, some super (Australia) also, and some credit card debt reduction.

Jan 2017 950000
Jan 2016 642000
Jan 2015 445000
Jan 2014 190000
Jan 2013   90000
Jan 2012  -15000

I feel the same as Marty in that we haven't really got much outside home equity and super as yet. But also hoping to improve on that in 2017. We are each about 40yo so 20yrs to get through before super can be used. My husband retired this year, and I am going to work casually and hopefully have another baby (we have a 4 year old also). And we have plans to rent the three spare rooms in our house this year to homestay students or similar, and possibly our caravan on airbnb so that will be an interesting experiment.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on January 12, 2017, 04:34:01 AM
Wow $300k is amazing. Good luck with the AirBnB, hope it all goes well. Husband going to be a stay-at-home dad?

You'll save a ton on childcare :D
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: JustDave on January 12, 2017, 06:25:28 AM
Getting there ... I'm happy with the gains considering it's on a single income (wife stays home with the kids)

12/31/13  $205,920.33
12/31/14  $239,488.26
12/31/15  $275,467.81
12/31/16  $324,591.54


Numbers don't include home equity.

I love tracking this ... it's so motivating.



Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: aboatguy on January 12, 2017, 07:33:02 AM
BLUF  $ 103,604.00


I don't count my entire net worth (house is way up but it could go down again and vehicle assets like my 1948 Harley Davidson fluctuate in value don't worry all of  our vehicles are beyond the depreciation curve IE they are desirable and now going up or they are just old and worth scrap value

Anyway  by the end of the 2016  credit card debt   (zero, zilch nada) so

Paid off CC debt of  $33,998
Investments/Cash= 69,066

For a net increase in liquidity of  103,064

Personal capital shows a number more than triple what I posted  but in my opinion it is wrong!


The good news is now my wife understands the value of not running up credit cards and holding balances on them.


Mike that guy that is doing OMY again.
(Still working but now we have money left over from my pension income)


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: nora on January 12, 2017, 07:10:05 PM
Wow $300k is amazing. Good luck with the AirBnB, hope it all goes well. Husband going to be a stay-at-home dad?
Trying to decide between airbnb, flatmates and homestay students but I think the homestay thing would be less work as less demanding and less cleaning since they stay longer. Flatmates might be too long. Yes stay at home Dad now, going ok he thinks.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BabyShark on January 13, 2017, 01:07:57 PM
Didn't start tracking until last year but here goes:

December 2015: $135,962.58
December 2016: $181,753.15

$45,790.57!  Going to shoot for $235,000 next year, an increase of $53,246.85, which is a little ambitious for us, but doable.

I was looking at this post for something and realized I have literally no idea where I got these numbers from.  They don't even match other months numbers.  I'm beyond confused...

Actual NW appears to be:
December 2015: $109,862.69
December 2016: $192,609.41

An $82,746.72 increase!?  Holy cow, that does not seem real to me.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: makinbutter on January 14, 2017, 12:16:08 PM
Me too, me too!

Jan 2015: 220k
Jan 2016: 270k
Jan 2017: 360k

Super hopeful for hitting around $450k this year if the markets cooperate (Emerging Markets, I'm looking at you).

Back to the salt mines, happy new years everybody
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Vaulter on January 15, 2017, 06:55:57 PM
Making good progress!

Dec 2011: -280k   (school loans...)
Dec 2012: -120k   (+160k; sold house)
Dec 2013:   -95k   (+25k)
Dec 2014:   -70k   (+25k)
Dec 2015:    67k    (+137k; school is paying off with a great new job)
Dec 2016:  206k    (+139k)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: prettypaperwork on January 15, 2017, 07:12:09 PM
December 2015:  -$43000ish
January 2017:  $26187

Started working full-time in November 2015, starting maxing out 403(b) in June 2016, maxed tIRA and paying off bad debt helped.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Ocinfo on January 15, 2017, 07:58:52 PM
$101,000 increase in investment accounts with another ~$10k in low interest debt repayment and rental property principal so around $111k total NW increase during 2016.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Freedom2016 on January 16, 2017, 02:08:53 PM
We are up $108K this year, to $931K. Not bad considering I left my job last year to strike out on my own, and I am the sole breadwinner for our family at the moment.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: techjunkie91 on January 19, 2017, 03:31:58 PM
Been a good year finally turning it all around.

1/1/2016 - NW -$36,577.56
12/12/2016 - NW +$8,616.02

NW change on year $45,193.58 or %125.6
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFan on January 19, 2017, 06:28:41 PM
Congrats on getting to positive! You will be amazed at how quickly things can increase if you stick to it.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: cognitiveitch on January 21, 2017, 12:24:54 AM
Jan 2016 NW: $10,600
Jan 2017 NW: $28,500

Just getting started, still paying off student loans, but feeling pretty good about that progress and have plans to bump it up way more this year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Ryland on January 21, 2017, 09:38:22 AM
Hah!

2015: $100k
2016: $155k (and took a 3 month sabbatical!)

Savings ratio for the win!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: merlin7676 on January 25, 2017, 10:29:28 AM
Dec 2015: $47513.96
Dec 2016: $80583.50

so almost doubled plus paid of 8K in debt.

I don't include house b/c isn't not an asset to me until I'm ready to sell it.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BrightFIRE on January 26, 2017, 07:29:23 AM
I found MMM in late May 2016 and dove in with both feet. Got the SO on board too. He quit clown-commuting 1.5-2 hours EACH WAY in late November and started a job he can now walk/take transit to. It is financially better, but quality of life-wise, this has been the greatest improvement.

Jun-Dec 2016: Still negative, but lots of progress. Paid off 3 grad school loans of $15,000, paid down $12,100 more. (Remaining ~$35k will be forgiven under PSLF this October.) Saved $5600. Also have $10k in SO's 401k.

2017 Goal: Max out both IRAs for 2016 and 2017, his 401k and my 403b. $65k saved by year end and a positive net worth/totally debt free for the first time in my adult life. I'm 44. (Secretly hoping to come back to this post in December and see I smoked that $65k number.)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 26, 2017, 08:42:08 AM
Wow--that's awesome progress!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: actionjackson on January 26, 2017, 08:59:15 AM
Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: davef on January 26, 2017, 02:47:31 PM
Wow some great Numbers!

I am definitely not a full blown mustashian... My wife and I do buy some nice things, newer cars etc. dinner out once a week (usually $40) but we are fairly frugal.
We save about 40% of our 110k combined income.

1-1-2017 414K
1-1-2016 344k
1-1-2015 326k
1-1-2014 278k
1-1-2013 168k
1-1-2012 125k (Found MMM)
1-1-2011 110k
1-1-2010 68k
1-1-2009 25k
1-1-2008 roughly 0
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: DWW on January 26, 2017, 02:51:52 PM
Network increased 65k this year. Went from 80k to 145k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 26, 2017, 06:21:50 PM
Wow some great Numbers!

I am definitely not a full blown mustashian... My wife and I do buy some nice things, newer cars etc. dinner out once a week (usually $40) but we are fairly frugal.
We save about 40% of our 110k combined income.

1-1-2017 414K
1-1-2016 344k
1-1-2015 326k
1-1-2014 278k
1-1-2013 168k
1-1-2012 125k (Found MMM)
1-1-2011 110k
1-1-2010 68k
1-1-2009 25k
1-1-2008 roughly 0

Pretty good numbers.

Hello from Corvallis..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: davef on January 27, 2017, 11:36:18 AM
Thank you.
Who do you fly for?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 27, 2017, 11:39:25 AM
Thank you.
Who do you fly for?

Just me.. It was a hobby...:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: AllTheLights on January 29, 2017, 10:05:31 AM
First time posting but I have been reading for a while.  I was relatively money conscious prior to finding MMM but my awareness has definitely gone up since reading this blog and others over the past 8 months or so.

NW Gains by year:
2013: +$29,300
2014: +$28,700
2015: +$40,900
2016: +$64,400 (projected)

These are inclusive of property value increases.  We bought our first home in 2014 and spent a lot of money on household wares/improvements/stuff, that's why the increases stagnated a little bit.  We got our heads on straight in late 2015 and then kicked into a higher gear this past year.  Altogether my personal expenses were reduced by almost $18k (I was really spending like a drunken sailor in 2015 apparently) in 2016 compared to 2015 and there is still room for more improvement.

I'll revisit this post after December 31 to see how accurate my projection was.  Maybe I'll include some info about our combined NW change as a couple (numbers above are just me).

It took a little longer for me to get back around to this.  My actual NW change in 2016 was better than I had estimated at $69,800!  Pretty happy about that.

Our combined growth as a couple was $123k but around half of that was property value increase/mortgage repayment.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pachnik on January 29, 2017, 10:28:34 AM
I had to look up my net worth increase in my journal and was I surprised!

Here it is:

December 31, 2015 - $371,000.00
December 31, 2016 - $408,000.00

$37,000.00 increase.  I put in $13,000.00 - usually about a $1,000.00/month.  For 2017, I plan to put in $15,000.00. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Lindy on January 29, 2017, 06:43:22 PM
I really like this thread!  It's great to see how much everyone's gained.

Thought I would join in.

January 2016 net worth $68,842.88
January 2017 net worth $105,741.88
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on March 04, 2017, 08:38:29 AM
January 2016: 466,662
January 2017: 605,216

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on March 05, 2017, 06:16:31 PM
2 billion
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: DoctorOctagon on March 06, 2017, 09:46:35 PM
All numbers are January

2013: $95,000 **** After 4 years working a job with 29,000 salary + small side gigs
2014: $115,000 **** Quit day job and pursued dreams in August 2014
2015: $145,000 **** Compounding responsible for most of gains
2016: $158,000 **** Worst january in the history of the S&P
2017: $330,000 **** Invested $60,000 in market in 2016.  Remaining gains due to use of margin (I was up to 1:4 leverage ratio but now it's 1:7 due to rallies) AND leveraged index funds (SPXL TQQQ etc).  I pay 1.7% APY for the margin loan.

I didn't realize my net worth went up $188,000 in just one year.  Long term buy and hold investing combined with the use of risk crush homeownership as a wealth building tool (I rent).

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: TheAnonOne on March 07, 2017, 06:17:27 PM
I went from 253 to 368

115k.... wow. I didn't even notice it went up that much. Obviously, I was watching the numbers but never really did a YTD on the thing.

Sitting at 408 now... so from 368 to 408 from Jan 1 2017 to march 7th.... dang about 40k...
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sw1tch on March 08, 2017, 06:27:15 AM
What a great year:

1/2016 - $275,600
1/2017 - $400,014

I'll post my approximate #'s here including my estimated pension balance at the beginning of the year:

2015: $236,000 (included estimated house value but sold it mid-year)
2016: $338,000
2017: $474,000
Current: $515,000
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OurTown on March 09, 2017, 10:08:56 AM
2 billion

Impressive!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Scrooge on April 11, 2017, 07:46:24 AM
And one contestant from Finland.

Currently adding about 24 000 eur a year in cold hard savings on my bottom line.

2017 dec: (estimate) 182 000 eur
2016 dec: 159 000 eur
2015 dec: 134 000 eur
2014 dec: 110 000 eur
2013 dec: 92 000 eur
2012 dec: 74 000 eur
2011 dec: 58 000 eur
2010 dec: 40 000 eur
2009 dec: 24 000 eur
2008 dec: 14 000 eur
2007 dec: 3000 eur
2006 dec: -3000 eur (just finished studies)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on April 11, 2017, 03:20:18 PM
To keep this updated:
2016: $2672k
2015: $1683k

Being leveraged to bull markets in both shares and Australian property has seen some crazy gains. I've been focussing on reducing leverage recently, in preparation for a trial FIRE later in 2017.

2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Optimiser on April 11, 2017, 05:51:28 PM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: RetirementDreaming on April 12, 2017, 09:32:26 PM
12/31/2015   $846,000
12/31/2016   $1,035,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on December 03, 2017, 02:10:12 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
11/30/17: $1,010K
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 03, 2017, 02:17:44 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
11/30/17: $1,010K

DOUBLE COMMA CLUB!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: kayvent on December 03, 2017, 03:31:30 PM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.

01/12/17: 33K. (This surprised me. From September to November of this year, I had ~4000 in unexpected expenses arise. I still managed to go from saving 2K/month from 01/09/15 -> 01/12/16 to 2.75K/month from 01/12/16 -> 01/12/17. Student loan should be finished in a few months.)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 05, 2017, 10:42:35 AM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
11/30/17: $1,010K

I love when people quote their years old posts with new data.

Well done! 4 years you more than doubled your NW, and hit > 1MM!  Congrats! :D
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 05, 2017, 07:25:30 PM
Hell, I don't know.  We're raising our net worth about $5,000 a week. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 06, 2017, 02:14:53 PM
2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.

Joining the old quote club...   To bring this up to date:
2015: $1683k +287k
2016: $2672k +989k (+600k from trauma insurance, a bit of a net downer)
2017: $3009k +336k (married, had a kid, quit work in October)

Pretty amazing how fast it snowballs!  I'm interested to see what happens in 2018, as this will be the first year with no active income
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 07, 2017, 01:28:12 AM
(http://i0.kym-cdn.com/photos/images/facebook/000/209/945/D6PfW.jpg)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2017, 03:02:41 AM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 07, 2017, 03:47:35 AM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

I’ve been waiting for this!

Thank you for maintaining the tradition, Marty.

I shall be back in two days to post my update (though you already know the number).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2017, 03:53:01 AM
There's still 3 weeks and a bit weeks till end of year. You never know, you could buy bitcoin and it'll go up by 10x in that time :P
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: K-12FI on December 07, 2017, 04:45:13 AM
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on December 07, 2017, 05:33:05 AM
Up $279,000 in 11 months.   Trailed the market in the return too, but this was the first year in a while I've been *really* using that deferred comp plan.  I should have my first year saving over $100,000.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: UnleashHell on December 07, 2017, 05:37:26 AM
down about 50%

Divorce'll do that.....
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on December 07, 2017, 05:56:59 AM
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Nov 2017 $278k

Not quite the +$61k from last year but I stopped working in February (though did receive a small amount of paid leave) and Mr Pancakes took three months off between jobs, part of which we spent traveling. We also moved across the country and had a baby. I feel like we spent the whole year haemorrhaging money so the fact we went forwards at all let alone $22k kind of perplexes me.

The final result at the end of december will be interesting.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Abe on December 07, 2017, 06:01:44 AM
Up about 65% ($300k to $500k) from selling a house and stock market gains. Have a year and a half of living in a super high-cost rent area for training. Hopefully then we will move and our combined salaries will double to allow for a 60% savings rate!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 07, 2017, 06:23:27 AM
2015: $57k
2016: $69k
2017: $130k

Hooray for house appreciation > inflation. Investments are sitting at around $73k. This was a poor year for spending.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DS on December 07, 2017, 07:20:54 AM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

"Net worth increase this year (i.e. the 'present' you give yourself)" ;)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lews Therin on December 07, 2017, 07:26:59 AM
I've gone up by more than my salary... Not sure how that happens... (Go stock market!)
Salary: 86k.

2016: 95,000
2017: 184,000

Whoo!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: iris lily on December 07, 2017, 07:29:43 AM
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09
God I love it when people go from the darkness (debt) into the light!(the black in assets)

You are now in  Positive Net Worth Land. Way to go!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 07, 2017, 11:31:51 AM
Bumper year for us.

Shot up from 67% of target to 79% of FIRE target so far.

Waiting on retirement fund manager reports in Jan, and with the good share market I could prob expect another $30K as a cherry on top for the year.

Good year in real estate, plus an extremely high income year from my job.

Expecting realestate to flatline in 2017, but high employment income to continue for at least 1 more year, if my job doesn't kill me in the mean time. Lol.

No idea what the share market might get do in 2017,  but we'll keep accumulating and increasing our exposure.

Thinking maybe 2.5 years to FIRE, but might pull the trigger a little earlier and roll the dice on picking up some post RE non-investment income.

With three weeks still remaining, I shouldn’t be counting my chickens just yet.... but...

Bumper year for us.... again.

Decided somewhere along the way to increase our number, rather than bring our FIRE date forward.

Still, we are now at 86% of our new number. So close!!

1.5 years to FIRE


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 07, 2017, 11:54:37 AM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Lews Therin on December 07, 2017, 12:01:21 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape.

Since you're so close, are you looking at switching some assets over to safer investments, or just letting it ride?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 07, 2017, 12:07:47 PM
Since you're so close, are you looking at switching some assets over to safer investments, or just letting it ride?

I'm letting it all ride.  I have an IPS and it tells me to stick with my chosen asset allocation unless I have a reason to believe I am suddenly smarter than the market.  I haven't been any smarter than the market since at least 2013, when I was fearful it would crash, but I let it ride then too and I'm glad I did.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 07, 2017, 12:18:20 PM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

You can check out any time you like...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2017, 01:28:11 PM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

You can check out any time you like...

Such a lovely place (such a lovely place)... living it up at the....
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jengod on December 07, 2017, 01:59:22 PM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

"Net worth increase this year (i.e. the 'present' you give yourself)" ;)

yay you solved it!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on December 07, 2017, 02:04:06 PM
down about 50%

Divorce'll do that.....

Recalculate as net worth per capita
Or net worth per kg
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: oldtoyota on December 07, 2017, 02:06:20 PM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.



Congrats on the 24.2%!

Shoot. We're up 19%. I wonder if this was a bad year to adjust my AA to hold more in bonds.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ixtap on December 07, 2017, 02:08:15 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape.

Our end game plan includes cutting back on savings the final year to invest in such structural projects, if they don't need done before then.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 07, 2017, 02:18:31 PM
JAN 2014 - $364k (owned a truck, a garage full of "stuff," investments were fairly conservative and spread across 30 high fee funds. And half that $364k was cash!
DEC 2014 - $458k (sold truck, sold stuff, started Roth IRA for DW, got into Vanguard with a much more aggressive AA, deployed and came close to maxing the extended TSP limit)

DEC 2015 - $525k give or take what happens next week.  This year was fairly straightforward as far as AA and contributions go so my NW increase was pretty much what I put in to it since I had zero growth.

DEC 2016 - $650k. So around a $125k increase, and $72k of that is contributions.

As of 1 Dec, $850k.  $200k increase, $71k in contributions. Compounding for the win.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: happy on December 07, 2017, 02:20:17 PM
Estimate net worth increase 180k, not my best year, but $208k, better than I was expecting.    I'm selling the clown house, and shifting the capital around into another real estate project so that it won't just be capital tied up on a single PPOR asset. I'm just about at the worst cashflow point right now, so savings in recent months have been minimal ( super guarantee only).

modified to update with final figure
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: N on December 07, 2017, 11:21:20 PM
Dec 2013:       -5311.00
Dec 2014:        9484.00
Dec 2015:     73,369.00
Dec 2016:   129,871.00
Dec 2017:   164,437.00

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 08, 2017, 02:41:21 AM
Estimate net worth increase 180k, not my best year, but better than I was expecting.    I'm selling the clown house, and shifting the capital around into another real estate project so that it won't just be capital tied up on a single PPOR asset. I'm just about at the worst cashflow point right now, so savings in recent months have been minimal ( super guarantee only).

This applies to about 9/10 dwellings in our fair state. Not sure you can find a place that is not a clown house here :)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: happy on December 08, 2017, 03:53:17 AM
Too true Marty998, but my house was way more than we need: a CLOWN house, not just a clown house.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: bownyboy on December 08, 2017, 06:38:26 AM
1st Jan 2017 - £346k
1 Dec 2017 - £452k

An increase of £106k!

Things that made this possible:

Hoping to hit £550k by end of 2018 with some serious saving.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 08, 2017, 07:04:22 AM
Estimate net worth increase 180k, not my best year, but better than I was expecting.    I'm selling the clown house, and shifting the capital around into another real estate project so that it won't just be capital tied up on a single PPOR asset. I'm just about at the worst cashflow point right now, so savings in recent months have been minimal ( super guarantee only).

This applies to about 9/10 dwellings in our fair state. Not sure you can find a place that is not a clown house here :)

Yeah, it’s a bit sad that when we finally do repatriate to Australia, living in my home town of Sydney makes zero sense on an economic level... unless I want to keep working, in which case I can justify the clown housing costs.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NorCal on December 08, 2017, 07:10:17 AM
2014: $570K
2015: $769K
2016: $1,064K
2017: $1,382K

We've done well, largely thanks to silly Silicon Valley incomes combined with keeping housing costs low.  A big chunk of the 2017 increase is market performance, as our savings rate declined substantially in the last few months of 2017 (my wife went part time after maternity leave + a second kid in daycare).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on December 08, 2017, 07:13:21 AM
12/16 $1.31
12/17 $1.49

FIRE GOAL $2.0 with paid off house (Estimated FIRE date 4/2/22. I'd really like it to be 2/2/22, but 401(k) vesting is on 3/31 and that's some earned money I'm not going to say no to for 2 more months.)

$.18 should have been higher, but we are spendypants and have too much of our investments in real estate and bonds.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on December 08, 2017, 08:36:46 AM
Single. Chugging along.  I just wish I had started this at 22 instead of 42.

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
Years to FIRE - 7.51

Theoretically, I could hit $500K by the end of 2018, but would need a lot to go right.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Paul | pdgessler on December 08, 2017, 08:56:39 AM
I'm up about $40k this year, going from roughly $30k in the red (mostly student loan debt, now paid in full) to about $10k in the black. Onwards and upwards!

Code: [Select]
Year  N.W.  Chg.  Remarks
2014  -30k        Discovered MMM while paying off student loans early. 
2015   15k  +45k  Finished paying off student loans.
2016   69k  +54k  Changed jobs.
2017  140k  +71k  Cross-state move and another job change. Bought our first house—half of the equity came from my savings, half came from my wife's (not tracked in my N.W. here).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: OurTown on December 08, 2017, 09:54:39 AM
$558 now, it looks like it was $438 last December.  Increase of $120k. 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ChipmunkSavings on December 08, 2017, 10:30:14 AM
I've backtracked all of my data, the furthest I could go was 2013.

2013 : 96 850$                            Finished university, started working graduate job part-time
2014 : 122 251$   (+25 401$)      First year of working full-time, 42k starting salary. Lived at home with parents, low spending FTW
2015 : 130 429$   (+8 178$)        Bought a house, renos. Salary of 45k
2016 : 160 705$   (+30 276$)      Starting investing with TD (instead of GICs), got lots of 5-year interest payouts.
2017 : 196 000$   (+35 295$)      Age 24. Working full-time at 51k, still investing (+ house equity).

It's not ramping up as much as I would like, but I'm still at the start of my snowball, so I figure it will keep getting better year after year. I've never counted my contributions for the pension plan (it's a mandatory defined-benefits program where roughly 8% of my gross salary is automatically deducted. I have no control over this, and I don't know the value of it). I'm not sure how to account for the home equity changes, I kept the same value as when we bought in aug 2015.

Based on my net salary only, I have achieved a 45% savings rate, or 50% if we were to consider my pension plan (savings + pension/ net salary + pension).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: recklesslysober on December 08, 2017, 01:48:23 PM
2016: +$19K
2017: +$45K

Almost all of it is retirement contributions and debt repayment, maybe $2K gains over 2 years. Still -$65K with $90K of student loans to pay / $25K in retirement savings. Planning to break net worth $0 next year and pay off the loans by the end of 2019.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 08, 2017, 07:22:33 PM
Not including home equity.

Dec 8th 2016 ... $2,120,000

Dec 8th 2017.... $2,435,000

$315k or 14.9% rise with no job and about $16k rental income.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 09, 2017, 03:29:41 AM
December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: happy on December 09, 2017, 03:31:58 AM
Not including home equity.

Dec 8th 2016 ... $2,120,000

Dec 8th 2017.... $2,435,000

$315k or 14.9% rise with no job and about $16k rental income.

Holy guacamole Frank, you're rich!
Nice work buddy.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 09, 2017, 04:53:02 AM
December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000

Well done :) $300k for sure next year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 09, 2017, 05:06:48 AM
December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000

Well done :) $300k for sure next year!

Thanks, @marty998 (oh I am going to bug the shit out of you with these tags!) Not quite what I wanted, but I’ll get there.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kayvent on December 09, 2017, 05:58:04 AM
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09

Good job on becoming worthless a few months ago.

It's been a bull market for a few years, I wonder how some of us will feel in this thread when a bear occurs.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ACyclist on December 09, 2017, 10:11:54 AM
Increased by 81K this year. 

Note: We stopped spending like A-holes around late Summer.  We were saving more than the average American, but we were not mustachian like.  I joined the forum in Oct, I think.

This next year should be phenomenal, if the markets continue their momentum.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 09, 2017, 01:36:06 PM
DINK's here, 26 & 30 y/o, HCOL area

Jan 1 2017 - $312K
Jan 1 2018 - $430k (Estimated)

+$128,000 in a year, we'll take it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MaybeBabyMustache on December 10, 2017, 09:31:10 AM
Up about $717K in 2017. It was a crazy year: bought a house, sold a house, & the stock market.

1/1/17 = $2,887,427
12/1/17 = $3,098,262

Net worth calculations include house equity.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Murse on December 10, 2017, 11:03:43 AM
Dec 2016 60.1 (single)
Dec 2017 115 (officially DINK’s)

Nearly doubled!

This year I paid roughly 17k for my wedding expenses and married someone worth -10k. I am hoping we can put away at least 70k this year. Maybe hit a 200k net worth by December 2018 if the market performs?


Honestly though, a market crash would be great now that we are shoveling in large amounts monthly.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: obstinate on December 10, 2017, 11:58:36 AM
This has been an uncommonly good year for us. It looks like our non-home equity stuff went from somewhere around 33%. I believe the increase was this big as a percentage because we sunk a bunch of savings into an HCOL house down-payment a few years ago. So my salary was large relative to our savings, and it was filling in the hole. Including the home it looks like we're up about 20%.

We are selling the house at a huge profit next year and moving to New York, which will bring our invested assets close to our FIRE number. We will probably ride our jobs for a year or two more, since we'll go from having "enough" to "enough and plenty more besides." I also want to see what Donald Trump does with this country before making any hasty decisions.
Dec 2016: 60% FIRE
Dec 2017: 84% FIRE

FIRE=retirement spending, exclusive of tax, assuming SWR .036 and assuming our spending mix remains constant (e.g. continue having to pay 24k per year for childcare)

Bumper crop this year. Spending didn't increase as much as anticipated after the move, and wifey and I both got substantial raises heading in to next year. All kinds of things could change next year (taxes will be up, and childcare costs too assuming both of our plumbing is working as well as it was when DS#1 was born). And even though we're quite spendy compared to most folks on here, we're thankful for the grounding that the Mustachian philosophy brings to our lives. And we're saving hard against an uncertain future.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on December 10, 2017, 12:18:15 PM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

Approximate 2016 end of year numbers! Needless to say.... a big jump this year. +$78,517 in 2016. Combined earnings will probably come out to ~$105k for the year. Combination of market gains, home purchase that worked out nicely (immediately valued higher than we paid), and a generous gift from my grandmother to help pay some student loans.

12/18/2016: $108,317
11/20/15: $29,800
1/1/15: $0
(2014, -$20k, although that's pretty much a total guess)

(2014, -$20k, although that's pretty much a total guess)
1/1/15: $0
11/20/15: $29,800
12/18/2016: $108,317
12/2/2017: $179,061

+$70,744 in 2017. Not *quite* as big a jump as last year, but considering crazy high vet and medical spending (over $11k), and me not working at all for ~4 months of it (and part time most of when I was working), that's pretty damn good! Earnings will probably be right around the same as last year, somewhere around $110k total for the two of us.

ETA: better than I expected, because I realized I dropped car value off my net worth tracking this year. So it may have been a +$90k! I would have to sit down with all the numbers to double check, but I'm pretty sure that's right.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ixtap on December 10, 2017, 06:26:42 PM
39.9% increase, almost exactly 50/50 savings vs growth.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Closer2theSKY on December 11, 2017, 06:28:46 AM
December 2016: $88,000
December 2017: $148,000

Just discovered the MMM community last year and feeling motivated and inspired. Way to go, everyone!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jenny1974 on December 11, 2017, 06:52:02 AM
December 2016                     $1,484,626
As of December 11, 2017       $1,813,340

Increase of $328,714 . . . . WOW!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 11, 2017, 06:57:37 AM
December 2016                     $1,484,626
As of December 11, 2017       $1,813,340

Increase of $328,714 . . . . WOW!

WOW is RIGHT!!  :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on December 11, 2017, 10:57:36 AM
Net Worth:
Dec. 2016 - $1,443,716
Dec. 2017 - $1,662,792

+ $219,076

Investment accounts only:
Dec. 2016 - $902,232
Dec. 2017 - $1,080,418

+ $178,186

That's a pretty solid year. I know the shoe is going to drop soon and likely shave 10-20% off, but it is what it is.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sol on December 11, 2017, 11:36:07 AM
That's a pretty solid year. I know the shoe is going to drop soon and likely shave 10-20% off, but it is what it is.

I think that's part of the utility of a thread like this one.  It makes "easy come, easy go" a little easier to accept.  We probably can't complain about a horrendous 20% market crash when everyone has doubled their money in three years. 

A 10% drop would technically count as a "correction" but that would only set us all back about twelve weeks.  That's chump change.  I wouldn't even blink.

Of course the flip side of that argument is that anyone who isn't in the market is probably kicking themselves.  Did you thorstach the top and go all cash in 2013?  Then congratulations, you just played yourself.  Are you a new investor just getting started this month?  You've missed out on an absolutely historic wealth-building rally.  Have you been holding "dry powder" while you wait for the right moment?  It has passed.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 11, 2017, 01:21:35 PM
Have you been holding "dry powder" while you wait for the right moment?  It has passed.

Has it? Are you calling the top?

Maybe we should roll with the old cliche “the best time to invest was yesterday, the next best time is today”.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lan Mandragoran on December 11, 2017, 02:20:20 PM
April17 - December 17
30k - 57K = 27k in 8 months. Bout 115$ a day.

Peanuts to all of you counts, but still proud of it :).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Wolfsheim on December 12, 2017, 02:36:03 AM
We are in the midst of building a family home, so not much cash at hand, but the net worth has significantly increased over the last years.

Family Home: 468,000 USD
Rented Building: 113,724 USD
Rented Apartment 1: 81,900 USD
Rented Apartment 2: 75,000 USD
9 hectares of prime farmland: 204,282 USD
Nest Egg for Son: 5,967 USD
Stock: 23,400 EUR
Cash: 6,500 USD, on checking accounts in Euro and Swiss Francs.

Sum: 972,279 USD in Assets

Debt: Mortgage at 2.02%, 280,000 USD

Total: 692,279 USD
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 12, 2017, 05:09:42 AM
April17 - December 17
30k - 57K = 27k in 8 months. Bout 115$ a day.

Peanuts to all of you counts, but still proud of it :).

And you should be!  Well done!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 12, 2017, 05:47:44 AM
looking like its going to be around 200k by year end.  we invested 100k and our investments earned another 100k

we became well over half millionaires invested and hit 3/4's of a million in total networth.  if we have an avg market year in 2018 we should be on track to hit 1MM at this time next year! 8 months ahead of plan!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on December 12, 2017, 08:48:25 AM
We are in the midst of building a family home, so not much cash at hand, but the net worth has significantly increased over the last years.

Family Home: 468,000 USD
Rented Building: 113,724 USD
Rented Apartment 1: 81,900 USD
Rented Apartment 2: 75,000 USD
9 hectares of prime farmland: 204,282 USD
Nest Egg for Son: 5,967 USD
Stock: 23,400 EUR
Cash: 6,500 USD, on checking accounts in Euro and Swiss Francs.

Sum: 972,279 USD in Assets

Debt: Mortgage at 2.02%, 280,000 USD

Total: 692,279 USD

Mortgage at 2.02%??!  Wow! What's the loan term?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on December 12, 2017, 09:09:36 AM
That's a pretty solid year. I know the shoe is going to drop soon and likely shave 10-20% off, but it is what it is.

I think that's part of the utility of a thread like this one.  It makes "easy come, easy go" a little easier to accept.  We probably can't complain about a horrendous 20% market crash when everyone has doubled their money in three years. 

A 10% drop would technically count as a "correction" but that would only set us all back about twelve weeks.  That's chump change.  I wouldn't even blink.

Of course the flip side of that argument is that anyone who isn't in the market is probably kicking themselves.  Did you thorstach the top and go all cash in 2013?  Then congratulations, you just played yourself.  Are you a new investor just getting started this month?  You've missed out on an absolutely historic wealth-building rally.  Have you been holding "dry powder" while you wait for the right moment?  It has passed.

Ah, 2013.  I divested myself of F Fund shares early in the year, which turned out to be the right move at the time, because the bond market tanked later that year. But it hasn't played out quite as poorly since then as I expected -- I really expected the F Fund to get beaten down over a longer term because the 20-year-long bond bull had run its course once we got to ZIRP, but it's been fairly steady, albeit anemic, for the past 5 years.  Though for zero risk, the G Fund (2.07%) has only underperformed the F Fund (2.43%) by 0.37% the past 5 years, so I'm okay with the move overall.

I stayed the course in 2008, though in mid-2013 I did take profits and ratcheted down my equity exposure from a pre-crash balance of 75/25 to my current 60/40 because retirement was just 5 years away at the time (returns on my portfolio from 2013 on have been 20.81%, 6.26%, 1.81%, 8.43%, and over the past 12 months 14.4%). And now with 17 months to go until retirement, as soon as I see a 10-12% drop, I'll bump up to 70/30.

Though I will admit I'll be more nervous than a long-tail cat in a roomful of rockers if come May 2019, there hasn't yet been a correction. I do not want to go out at the tippy top of a 10+ year bull market!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: justchristine on December 12, 2017, 10:43:37 AM
Wow, how have I missed this thread the past few years.  These are the numbers I wait all year to tally.  For perspective, I'm including numbers as far back as I started tracking.

2011 - 72k
2012 - 139k
2013 - 217k
2014 - 284k
2015 - 332k
2016 - 431k if markets hold til the end of the month
 Yowzers, almost 100k increase this year and only about a quarter of that was from my contributions.
2017-577K

Another stellar year. 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lan Mandragoran on December 12, 2017, 01:00:52 PM
April17 - December 17
30k - 57K = 27k in 8 months. Bout 115$ a day.

Peanuts to all of you counts, but still proud of it :).

And you should be!  Well done!

=] thank you.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Mississippi Mudstache on December 12, 2017, 01:46:02 PM
I started tracking net worth late in 2013. I'll list my beginning and ending NW for each year starting with 2014:

Year    Starting        Ending       Change   % Change
2014      $70,000     $125,000     $55,000       79%
2015    $125,000     $133,000       $8,000       6%
2016    $133,000     $171,000     $38,000       29%
2017    $171,000     $231,000     $60,000       35%

So 2017 is my best year so far in gross dollars, but it doesn't compare to 2014 as far as percent change. I had significant headwinds this year, as I pulled a bunch of money out of the market in January to buy a house (great timing, eh?) and I also started a new job and am not eligible for the 401k until I have a year under my belt (I will be eligible starting January 2018). So, 2018 should be a better year as far as retirement contributions go, but I don't expect it to match 2017 with regard to investment returns.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on December 12, 2017, 03:00:16 PM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K

Holy crap...it is amazing to lay out all our hard work like this and see it happening for real.

The other big thing that we accomplished this year was the DH actually retiring from the military.  I don't have that pension added into our NW number, but what it did do was bring our FIRE number down significantly.  We are FI right now, but I'm continuing to work to feed my OMY syndrome.

DH just got offered a job at my exact pay grade, so once that gets set in stone, we are planning for us to switch places while he goes back to work for 24 months to pay for his expensive car hobby while I take care of the house/kids/MIL.  The freedom, it feels good!
Funny to go back and look at what I thought this year would look like.  The job didn't happen for DH for 6 full months after this so I kept working.  MIL moved out (Whoop!).  And now we have a FIRE date of 8 June 2018.  DH has even backed off on his expectations for what his expensive car hobby should cost (this is huge progress for us, as it was a very sore subject for me).
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: shanghaiMMM on December 13, 2017, 03:14:27 AM
I'm not very good at keeping accurate records due to the fact my investments are in GBP, my wife's in USD and we get paid in RMB.

Anyway, rough figures, give or take a $1k or so:

January 2016 - $155k
December 2016 - $225k

Still seems an incredible sum of money to me, given that we started out on our journey about 2 1/2 years ago!

December $334,000

What?! This FIRE stuff is bananas. We didn't even earn as much as our investments have gone up.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: icbatbh on December 13, 2017, 04:04:36 AM
December 2016 - £25,360.75
December 2017 - £44,770.67

Difference: +£19,409.92 (76%)

Pocket money compared to many on here, but I'm happy with my progress. My goal is to have £100k within 5 years, and at 1 year and 8 months in I'm almost half way there.

One thing that has changed is how I feel about money. The thought of having £25k two years ago was very exciting, but actually having £44k now is pretty "meh". Is this hedonic adapation in action?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ozbeach on December 13, 2017, 01:40:35 PM
I'm not very good at keeping accurate records due to the fact my investments are in GBP, my wife's in USD and we get paid in RMB.

Anyway, rough figures, give or take a $1k or so:

January 2016 - $155k
December 2016 - $225k

Still seems an incredible sum of money to me, given that we started out on our journey about 2 1/2 years ago!

December $334,000

What?! This FIRE stuff is bananas. We didn't even earn as much as our investments have gone up.

My investments this year have so far earnt more than I have ever received as salary in a year. Nice in a sabbatical year in which my take-home is cut by 2/3!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on December 13, 2017, 02:04:38 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.)



Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: meatgrinder on December 13, 2017, 04:49:18 PM
$1.5MM 2016
$2.0MM 2017

Driven mostly by the market
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: tralfamadorian on December 13, 2017, 07:59:42 PM
Did you thorstach the top...

This is a wonderful new verb.


I'm probably going to feel icky later about this being out there and delete it but for now...
Dec 2015 $x
Dec 2016 $2.23x
Dec 2017 $2.81x
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: infogoon on December 14, 2017, 08:35:42 AM
One thing that has changed is how I feel about money. The thought of having £25k two years ago was very exciting, but actually having £44k now is pretty "meh". Is this hedonic adapation in action?

In my experience, investing money is kind of like learning a martial art. It starts with "I'm going to buy so much stuff when I have more money!" or "I'm going to kick so much ass once I know how!", but the discipline of the process changes how you feel once you get to the finish line.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: icbatbh on December 15, 2017, 02:14:51 AM
One thing that has changed is how I feel about money. The thought of having £25k two years ago was very exciting, but actually having £44k now is pretty "meh". Is this hedonic adapation in action?

In my experience, investing money is kind of like learning a martial art. It starts with "I'm going to buy so much stuff when I have more money!" or "I'm going to kick so much ass once I know how!", but the discipline of the process changes how you feel once you get to the finish line.
Great comparison. I'm learning a martial art as well so know what you mean haha.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 15, 2017, 03:06:49 AM
Did you thorstach the top...

This is a wonderful new verb.


I'm probably going to feel icky later about this being out there and delete it but for now...
Dec 2015 [Mod edit - he felt icky later]
Dec 2016 [Mod edit - he felt icky later]
Dec 2017 [Mod edit - he felt icky later]

That is an awesome 2 year gain. Nicely done!

I am not going to comment yet.. .still a couple of weeks to go!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: max9505672 on December 15, 2017, 06:41:36 AM
Began the mustachain lifestyle end of February 2017 :

Networth end of Feb. 2017 : 76K$
Networth Dec. 2017 : 117.5K$
Difference : 41.5K$
54.6% Networth increase in almost 10 months
73% Investment / 27% RoI

It's crazy how this has changed my perception. Never even imagined being at 100K$ before 30 y.o. (I am not 28 yet).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on December 15, 2017, 09:33:16 AM
12/15/16: $833k
12/15/17: $1,176k

+$343k

91% is market contributions, vesting, and growth; 9% is real estate paydown and appreciation.

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: tralfamadorian on December 15, 2017, 12:24:29 PM
That is an awesome 2 year gain. Nicely done!

Thank you! Real estate is a magical thing.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: big_slacker on December 15, 2017, 03:25:37 PM
$110k increase, woohoo! Got on this train and it's full speed ahead! Note I don't own a house, these are not theoretical gains. :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Nate R on December 15, 2017, 03:32:18 PM
$110k increase, woohoo! Got on this train and it's full speed ahead! Note I don't own a house, these are not theoretical gains. :D

Aren't stock gains theoretical too until you sell? :-P
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: big_slacker on December 15, 2017, 05:29:33 PM
$110k increase, woohoo! Got on this train and it's full speed ahead! Note I don't own a house, these are not theoretical gains. :D

Aren't stock gains theoretical too until you sell? :-P

Haha! True enough.

My thinking on houses is I plan on living there long term if not forever, so at least in my head it's not available. Although it really is if I wanted to do a cash out re-fi or something to buy another investment property, etc. Anyway, not a problem I current have although I have in the past. :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: startingsmall on December 16, 2017, 06:30:33 PM
July 2015 - $132,045
December 31, 2015 - $169,554
December 30, 2016 - $248,939
December 16, 2017 - $329,686

Increase of $80,747. Not too shabby, especially since I feel like we really slacked off this year. 


Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Chippewa on December 16, 2017, 06:49:03 PM
Jan 2016: 33,972
Jan 2017: 71,837

Increase $37,865
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 17, 2017, 08:32:38 PM
I always get excited when I see this thread pop up.   Had to go look even though it is not quite the 31st yet.   Not net worth, but a snapshot of our Vanguard accounts and a good reflection of our progress. We really can't believe how far we've come. 

$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
$979,476.57  12/31/17

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Apple_Tango on December 17, 2017, 10:32:17 PM
I like this kind of progress tracking! This isn’t net worth for me (my journal has that shit show), but it’s my liquid net worth in my vanguard accounts, mostly in IRAs at the moment.

age 20 Dec 2011: 12,150
age 21       2012: 18,811 (55%)
age 22       2013: 34,601 (84%)
age 23       2014: 40,181 (16%)
age 24       2015: 42,346 (5%)
age 25       2016: 49,349 (16%)
age 26       2017: 73,526 (46%)

to date I have actually contributed $39,961 and the rest is market gains

Goal for Dec 2018: $103,968. Stretch goal: $115,000.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Tass on December 17, 2017, 10:55:40 PM
I had $2k net worth in Jan 2017, discovered MMM in June, and currently have 11.3k. I'm now debt-free and my $9300 increase is over 30% of my after-tax income this year.

If this thread is also about appreciating how impressive the whole FI philosophy is, I'm astonished that at my current grad student income in a HCOLA, my spreadsheet says I could retire after a 28-year working career, aka 15 years before age 65. And I don't intend to be either a grad student or in SoCal that long.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sol on December 18, 2017, 12:05:32 AM
I'm astonished that at my current grad student income in a HCOLA, my spreadsheet says I could retire after a 28-year working career, aka 15 years before age 65. And I don't intend to be either a grad student or in SoCal that long.

You may find that your expenses increase after you are no longer a graduate student.  That's what slows most people down.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on December 18, 2017, 03:08:26 AM
I always get excited when I see this thread pop up.   Had to go look even though it is not quite the 31st yet.   Not net worth, but a snapshot of our Vanguard accounts and a good reflection of our progress. We really can't believe how far we've come. 

$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
$975,936.51  12/17/17*

*Need to update on the 31st, but I'll take a ~$229K gain any year!


Nice growth there and you did pretty well through 08-10. Way to hang with it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SnackDog on December 18, 2017, 03:42:03 AM
The stock market fat lady has yet to sing on 2017 and I am not really qualified to estimate the real estate portion of our net worth, but appear on track for a seven figure increase for the year.  I estimate more than a third of that is due to continued work (savings, pension accruals, stock grants) so the OMY syndrome is reinforced.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: JohnGalt on December 18, 2017, 04:28:59 AM
On my own:
End 2016:  ~67% of my full FI target number
End 2017:  ~93% of my full FI target number (38.8% growth)

As a couple (recently married) we are currently >100% of our full FI number!

I don't fully count us as FI yet though.  Currently, ~20% (up from ~8% at end of 2016) of my NW is in my employer's company stock so there is significant risk.  The tax consequences of selling now vs waiting until I'm not working (planned to quit at end of 2018 when my options finish vesting) are big enough that I'm willing to take another year's risk before selling to diversify.  I believe this will be an even larger difference if the currently proposed tax act is passed.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: RWD on December 18, 2017, 07:41:28 AM
The stock market fat lady has yet to sing on 2017 and I am not really qualified to estimate the real estate portion of our net worth, but appear on track for a seven figure increase for the year.  I estimate more than a third of that is due to continued work (savings, pension accruals, stock grants) so the OMY syndrome is reinforced.

Seven figure increase!! Wow!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: horsepoor on December 18, 2017, 08:21:45 AM
I'm actually glad I went and looked!  I've been rather down with all the $$$ I've been flushing down the drain vet bills and horse equipment and training this year, but somehow Mint says NW has increased $91K this year (not including DH's assets or mortgage pay-down, but including all home appreciation).  $39K increase in TSP, most of the remainder is real estate gains.  Not fantastic, but at least headed in the right direction.  Markets will not be so kind most years though, so I need to focus on getting more of my paycheck directed to TSP again.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 18, 2017, 03:27:16 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!

9% Y on Y TNW gain for 2017 (YTD).  Investment accounts were up 17%.  Cash reserves and real estate lowered the total gain for the year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on December 19, 2017, 12:27:12 PM
Found MMM in March/April.  Cut costs, started budgeting, plowed every penny into equities.

Didn't start tracking until July in personal capital but since July we've gone from $1.0M to $1.96M as of today.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: max9505672 on December 19, 2017, 12:42:43 PM
Found MMM in March/April.  Cut costs, started budgeting, plowed every penny into equities.

Didn't start tracking until July in personal capital but since July we've gone from $1.0M to $1.96M as of today.
How much a year do you make? Did you invest in Bitcoins?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on December 19, 2017, 12:55:54 PM
Found MMM in March/April.  Cut costs, started budgeting, plowed every penny into equities.

Didn't start tracking until July in personal capital but since July we've gone from $1.0M to $1.96M as of today.
How much a year do you make? Did you invest in Bitcoins?

fluctuates greatly but thanks to some stock option-vesting and a few other items, this year we will make close to 7 figures.  this is nearly double what we made last year.  we will pay more in taxes this year than a middle income family earns pre-tax, maybe by a factor of 1.5-2x.  That fact is not lost on me, we are very fortunate.  But i still make my lunch like i have for the last 10 years, don't upgrade my wardrobe much, take the train to work when i can. etc, etc.

luckily i found MMM / bogleheads and we put almost all of it into our investments or paying off almost all of our mortgage.

haven't touched bitcoin, and won't.  mostly low cost index funds, some $ in FB, Apple, Disney, etc.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on December 19, 2017, 12:57:56 PM
Jan 2016: 33,972
Jan 2017: 71,837

Increase $37,865
Holy smokes!  More than doubled in a year?  That is impressive indeed!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: EngineeringFI on December 19, 2017, 07:54:50 PM
Not including my house:

December 2016: $175,689
December 2017 (est): $303,564

Not bad, but I also had to cash-flow a significant amount of exterior work to the house (~35K for a lot of landscaping work). Next year I really want to kick the contributions into high gear.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: midwesterner1982 on December 20, 2017, 02:27:41 AM
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000

Congrats to many on here absolutely killing it.  Many of you are starting at a younger age than myself.  I wasted a lot of time and money before I finally began to become an adult at about 31 years old.
Currently 35 yrs old.  I started to track net worth in 2014.  Found MMM in 2016 and got more serious.  Still making plenty of mistakes but starting to really see the 'stache can work harder than I can.
So far I have (1) Rental myself + (4) 50/50 Rentals with a partner and $260k+in stocks (retirement + taxable).  Debt free except mortgages on rentals.  My apartment is rented.
I got married this year and many changes ahead in 2018 but very excited for the future.  2018 big goal is $500k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: actionjackson on December 20, 2017, 04:48:23 AM
Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.

End 2017: $385k

Moved country, and set up a new house, which was spenny, and wife was out of work for a few months after the move. Next year should see us get to $500, provided market is flat or up.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: max9505672 on December 20, 2017, 07:30:50 AM
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000

Congrats to many on here absolutely killing it.  Many of you are starting at a younger age than myself.  I wasted a lot of time and money before I finally began to become an adult at about 31 years old.
Currently 35 yrs old.  I started to track net worth in 2014.  Found MMM in 2016 and got more serious.  Still making plenty of mistakes but starting to really see the 'stache can work harder than I can.
So far I have (1) Rental myself + (4) 50/50 Rentals with a partner and $260k+in stocks (retirement + taxable).  Debt free except mortgages on rentals.  My apartment is rented.
I got married this year and many changes ahead in 2018 but very excited for the future.  2018 big goal is $500k.
Congrats!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 20, 2017, 11:14:30 AM
December '12 - $161,110
December '13 - $225,147 ($64,037, 40%)
December '14 - $261,912 ($36,765, 16%)
December '15 - $272,926 ($11,014, 4%, ouch)
December '16 - $371,957 ($99,031, 36%)
December '17 - $528,534 ($156,577, 42%)

December '12 doesn't have home equity and we sold the house and rented in '13, so that's where that jump came from.  For '16 and '17 I've included very conservative estimates of home equity.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jmechanical on December 22, 2017, 08:59:39 AM
December 2014 - $62000
December 2015 - $91000
December 2016 - $134000
December 2017 - $192000

I am 29 years old. Not quite as badass as MMM himself, but I am making progress.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 22, 2017, 02:15:01 PM
My turn:

2012 - $295k
2013 - $419k
2014 - $534k
2015 - $713k
2016 - $897k
2017 - $1,082k

Good thing is that a lot of the gains are now in liquid investment accounts that I can use for FIRE. Another couple of years at $180k growth and I'll be pretty much done 🙂

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 11ducks on December 22, 2017, 10:02:47 PM
Wow marty, that's impressive!!!! Well done!



My net worth (excluding retirement funds - around $53k)

2013  -$33,600 owed (student loans)
2014  -$21,000 owed
2015 -$2,242 owed  - so close to free!!!!

.....looking back now, I'm so very glad I found MMM!!!!!

2016 = + $5000 net worth. Finally made it into the positives!

2017 = + $35000 net worth!   (+retirement account of $90k = total NW of $125,000)

Goal for 2018  = $63k net worth  (+ $101k in retirement, Total NW $164k).

I'll do this by paying approx. $18k off the house (plus a whole lot of interest), adding $12k into retirement, and adding $10k into investment accounts. Come at me 2018!
 



Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2017, 02:31:02 AM
Thanks @11ducks, you seem to be accelerating nicely too!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 23, 2017, 03:13:44 AM
My turn:

2012 - $295k
2013 - $419k
2014 - $534k
2015 - $713k
2016 - $897k
2017 - $1,082k

Good thing is that a lot of the gains are now in liquid investment accounts that I can use for FIRE. Another couple of years at $180k growth and I'll be pretty much done 🙂

Killing it, @marty998!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: fuzzy math on December 23, 2017, 10:30:29 AM
Final net worth $201 k !
started out the year at 94k

I honestly can't believe I've come so far. Here's to more good years!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: RWD on December 23, 2017, 12:30:23 PM
We're looking at roughly $160k increase for the year. About $55k more than I had estimated, thanks to the stock market.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: BTDretire on December 24, 2017, 05:59:56 AM
Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts.
Yes, I suspect the very upbeat tone in the blog would be different, we would still have savers
and forward progress but...
Quote
It's easy to preach the joys of investing during a historic bull.
I am very greatful, the timing is perfect for my recent retirement which turned out to be a semi retirement. But as it worked out we had a nice stache to grow during this growth period.
 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lews Therin on December 24, 2017, 11:16:24 AM
It would be more concentrated on the savings rate portion.

When you are saving 70+%, the actual market gains have very little comparative effect. (In the beginning) Possibly a portion on downshifting since you don't need that much money anymore.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aceyou on December 24, 2017, 02:41:51 PM
2017 Finances at a Glance                  
Our net worth increased by $120,393         
Our net worth not counting our pension increased by $99,216           
Our Stache increased by $109,206
Our savings rate was 60%

This was an excellent year for our finances.

December Net Worth Update
Pre Tax Retirement     $147,428
Roth IRA Retirement     $38,721
The Stache    $186,149
Short Term Inv.    $40,041
Cash    $27,270
Pensions    $164,846
Home Equity    $131,567
Car Value    $9,000
Life Insurance    $11,491
Net Worth    $570,364
   
% of Net Worth   
Stache   32.6
Cash   11.8
Pension   28.9
House Equity   23.1
Car Value   1.6
Life Insurance   2.0
Total   100

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: RockytopinDC on December 26, 2017, 07:02:05 AM
2017 Finances:

Contributed to retirement accounts and payed down down student debt. This is our first year tracking our net worth:

26/27 years old

2016: $60,000.00
Dec 2017: $ 196,000.00
Savings rate: 65%

As previous posters stated, it was a good year for equities! Here's to more bull markets to come next year. (Or some improved US valuations if there is a correction).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aneel on December 26, 2017, 12:03:22 PM
Invested assets only:

Jan 1 2017 - $135.7k
Dec 26 2017 - $227k and counting (WOW)

Cashing in gains on our first home (+30k to investments), and sticking to the savings plan (+36 k) has got us FIRED up.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MrsWolfeRN on December 26, 2017, 02:17:22 PM
Dec 2016 236,254
Dec 2017 321,735
Net worth has gone up 85k, which is more than my after tax income, with a savings rate of only 46%
This is about 30k new investment, 10k mortgage principal, and 45k gains
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sisto on December 26, 2017, 06:45:08 PM
I'm pretty happy with my present this year.

Dec 2016 $763K
Dec 2017 $985K

This also does not include my HSA since Mint can't add it. Another $20K there, but not sure where it was a year ago.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 27, 2017, 09:20:23 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Midwestache on December 27, 2017, 10:10:11 AM
From my journal.

May 2015
Net worth was 581K

March 2016
Net worth 1003K

March 2017
Net worth 1374K

July 2017
Net worth 1516K

December 2017
Net worth 1729K
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sisto on December 27, 2017, 10:38:01 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ysette9 on December 27, 2017, 10:52:31 AM
It isn't a perfect calculation but it is what I have in my spreadsheet. 10 Dec 2016 our net worth was $1.471M. Today it is $1.65M invested plus approx $267K real estate equity. The markets have smiled upon us this year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 27, 2017, 11:56:31 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: powersuitrecall on December 27, 2017, 12:07:58 PM
This year our NW increased by about $220K - the highest yearly increase we've ever seen.  Compound returns in action!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zoot on December 27, 2017, 01:07:18 PM
December 2014:  $696K
December 2015:  $761K
December 2016:  $878K

Wow--how is that even possible?  But there it is in black and white in my spreadsheet, so it must be true.  :)

2017 hasn't officially closed yet, but I wanted to go ahead and update (note: numbers include home equity):

December 2014:  $  696K
December 2015:  $  761K
December 2016:  $  878K
December 2017:  $1,056K

It boggles my mind that our NW increased $178K last year--more than our entire year's post-tax household income--in a year where we sank roughly $40K into getting a house ready for sale and doing renovations on the new house we bought.  Roughly $56K of the increase was 401(k)/Roth contributions and company match, but sheesh, that still leaves $122K in increase coming from investments.

If you'd asked me ten years ago, or even five years ago, if I thought I'd ever be a millionaire, I'd have laughed in your face.  And yet here we are!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 27, 2017, 01:35:28 PM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

Why do a renovation then if it doesn't increase the value of your property? Assuming it is worth more after the reno, shouldn't your equity in the property (and net worth) have increased?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 28, 2017, 06:23:59 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

Why do a renovation then if it doesn't increase the value of your property? Assuming it is worth more after the reno, shouldn't your equity in the property (and net worth) have increased?


It did, (cause any thing would, the kitchen was bad) but I have not had it reassessed.  I used a VA loan with 0 down so I have very little equity in the property. 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: BobTheBuilder on December 28, 2017, 07:53:16 AM
First business did not work out in 2014, got my degree in 2014. Started ph.d position on Jan 1st 2015 with 22€ cash left at the end of the month.

Jan 2015: NW -20,643€
Dec 2015: NW -16,794€
Dec 2016: NW -11,676€
Dec 2017: NW -4,484€

Hoping for a "positive" 2018 :-D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: merlin7676 on December 28, 2017, 08:24:18 AM
Well I came late to the party.  Only found MMM about 3 years ago. Was pretty good money-wise and not spendypants (well I was compared to people on here but not most people "out there").
But I still learned a lot about reducing spending and up savings.  Made big gains in 2017 due to the market and paying off all my debt in 2016.

This is only savings, 401K, index fund, IRA...don't include my house as I don't consider it an asset until I sell it.

12/24/15  $46292.52
12/23/16  $80288.06
12/23/17  $128286.70
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Suit on December 28, 2017, 08:42:22 AM
Dec 2014: approx -12,308 (found MMM Feb 2014)
Dec 2015: 31,308
Dec 2016: 95,640
Dec 2017: 182,961

Gave myself a big present this year! This was my highest income year ever, I paid down student loans and the stock market gains have been a big help.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Hey It's Me on December 28, 2017, 10:09:52 AM
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.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sisto on December 28, 2017, 10:48:11 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

So real estate investments, that makes sense. You should turn that around in no time.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 28, 2017, 01:25:28 PM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

So real estate investments, that makes sense. You should turn that around in no time.



Fingers are crossed on that one.  I am excited that I dont have to fund a reno any more.  So I should be seeing those gains in 2018.
Here is to another year of growth!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 29, 2017, 06:04:06 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!

2017: $754k
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Rhoon on December 29, 2017, 08:26:27 AM
Lots of work done to shore up the finances, thanks to everyone here who helped us along the way:

We're up 93.5% from Dec 2016 to Dec 2017.

As a percentage, Equity in our house was nearly 50% of the Dec 2016 number. In Dec 2017, Equity of our house is only 8%. So we've seen a monstrous shift of assets away from physical property to cash.

Also as a percentage, in 2016, our non-mortgage debt was 65% of our Dec 2016 assets.
In 2017, this is down to 9%, which represents our car @ 0% interest (We traded out of a punch-me-in-the-face $55K truck @ $750/mo @ 4% interest, for a simple sedan (ford fusion) @ $378/mo with 0% interest).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 29, 2017, 09:10:10 AM
205k or approximately 33% increase. Will hit the double comma club with a similar increase in 2018. Hoping by my 32 bday in November.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lordy on December 29, 2017, 02:29:50 PM
With the December pay-check cashing yesterday, my numbers are now complete:

2017: 384K
2016: 308K
2015: 255K
2014: 209K
2013: 166K
2012: 149K
2011: 137K
2010: 126K

As you can see, 2017 was the best year so far. I hope this trend continues :-)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Chrissy on December 29, 2017, 05:53:51 PM
I'm loving this thread!

2015:  $604k
2016:  $724k (+$124k)
2017:  $860k (+$136k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on December 29, 2017, 07:13:51 PM
End of 2016: $689,000
As of last week: $829,000

A combination of aggressive saving and ridiculous returns meant my net worth went up by more than my gross salary for the year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on December 29, 2017, 11:22:44 PM
2017 was a present that was unexpected.  I never would've guessed that the YAT (Year after Trump) could be anything but moderating and misery, but it was financially kind to me and all of my family.  Maybe we are rich enough for it to continue for the foreseeable future, since the mortgage / bankruptcy king is in charge?  These are the questions that plague me from all sides.  It's not like I want to join Mar-a-lago - although I could afford to and might actually be a smart investment given the flexibility of our current President.

I do hate the idea that 2017 made individuals like Eric, Donald Jr., Jared Kushner, and Ivanka more economically powerful and influential in the US.

But, on net worth terms, a good year, soon to be followed by better years!  Cheers Mustachians!

(Edit to add:  +450k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 30, 2017, 01:23:47 AM
I hate it when somebody as vile and disgusting as Trump makes me money!

About +340k for 2017...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Runner77 on December 30, 2017, 04:28:35 AM
$253k increase based on an opening balance of $1.125m and an ending balance of $1.378m. Breakdown of the $253k increase:

Employer Contributions: $19,963 (8%)
My Contributions: $65,183 (26%)
Earnings: $168,106 (66%)
  * Asset allocation of 56% S&P 500, 26% stable value and 18% international
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 30, 2017, 06:55:30 AM
$244,000 improvement in net worth, most of which was market earnings, followed by new investments and finally by removing all debt but our home mortgage.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Superman on December 30, 2017, 07:02:29 AM
2016 - $1,460,216
2017 - $1,756,306
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Hirondelle on December 30, 2017, 07:12:43 AM
1.3k increase.

Sounds like a little, but I consider it pretty amazing that I come out with a NW increase. Considering I spent a few months traveling, 4 months of part time "funemployment" and only 2 months of having a real job. Next year I'm aiming for a 15k increase.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nate R on December 30, 2017, 07:32:06 AM
End of 2013: 27K
End of 2014: 41K
End of 2015: 78K
End of 2016: 120K
End of 2017: 199K

Difference: + 79K / 65%

Changes this year: Sold our original single family home. Bought in 2006 for 52K, put 20K+ in improvements in before it became a rental for us in 2013, and sold this November for 43K. Ended up having to bring 8K to closing after putting in another 3K in repairs this year. Ouch! Glad we didn't spend more in 2006! Upside is I'll have losses that will reduce my taxes for a few years to come! (Limited to 3K/year, can carry forward)

Had a chimney rebuilt in our duplex we live in, that was $3K.

Went back to school to get my Associate's degree, getting my employer to pay for the bulk of it. But it will still cost me a few K by the time I'm done.

Had trees on our 4 acre recreation property thinned. That brought in about $6K, but we spent that on getting a shed put in, and having some cleanup work done after the logging.

Overall, other than the house repairs/closing costs, no huge expenses this year. Getting rid of the house was expensive, but a big mental weight gone, too. 2018: Starting some projects on our duplex (Lots of deferred maintenance to catch up on, some from us, mostly from previous owners.) Other than that, continuing saving to build an off-grid cabin on our 4 acre land, continuing school, and continuing to add to the 401ks.

Extremely happy with the progress this year. Our financial house is in better shape and less total debt, so even if the market gains were erased, we're in a better spot than 1 year ago!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 30, 2017, 09:23:01 AM
End 2013: about $822000
End 2014: about $1015000
Change: about $193000

Finally did some work to update my tracking sheets I just started this year. The above does not include house in the total (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15
12/20/16: about $1,150,000 (excluding house)
12/30/17: about $1,333,000 (excluding house)
       Using the actual numbers - up about $184K in 2017. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: McStache on December 30, 2017, 10:09:26 AM
2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830

Whoa! >$100K increase in one year! That's about $70K in savings and $30K in gains.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jim Fiction on December 30, 2017, 11:28:47 AM
2016 - $(8,578)
2017 - $23,350

Change of $31,927. In the process I paid of $18,500 in debt (only $15,622 to go!). All told it was a pretty good year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 30, 2017, 11:38:28 AM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 30, 2017, 11:48:32 AM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 30, 2017, 12:27:01 PM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?

Yes--very definitely.  No turning back now, even if I wanted to, as I signed paperwork for the Voluntary Separation Incentive Payout, which I will receive on 6/30/18.  My last day of classes will be on April 19.....109 days from now.  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: AllTheLights on December 30, 2017, 01:20:08 PM
Changes in NW by year (not total NW):
2013: +$29,300
2014: +$28,700
2015: +$40,900
2016: +$69,800

2017: +76,000

Although it doesn't look like much more than 2016, 2017 was my most successful year for increasing my savings by far.  Part of the issue with those numbers is that they include property value increases which can distort the facts a little bit.  If I take property value out out of the equation and just focus on cash and investment assets, my numbers would be:

2013: +$29k (saving diligently for downpayment on house)
2014: -$7k (bought a house, probably spent too much money on household things and improvements)
2015: +$19k (stopped the spend and got refocused thanks to this blog and others about half way through the year)
2016: +$37k (first full year post house purchase, more focused on saving)
2017: +$69k (increased salary, investments actually providing a return in a significant way, feels like hypedrive compared to previous years)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 30, 2017, 01:25:46 PM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?

Yes--very definitely.  No turning back now, even if I wanted to, as I signed paperwork for the Voluntary Separation Incentive Payout, which I will receive on 6/30/18.  My last day of classes will be on April 19.....109 days from now.  :)

Awesome..:)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Ocinfo on December 30, 2017, 01:31:57 PM
$150k increase with around $60k as investment gains. Had an unusual year with lower than planned contributions so very happy with the gains. Aiming for at least another $150k increase next year if market returns are around average. Really crazy how quickly NW goes up when market does well and you invest ~$100k per year.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: warehouse on December 30, 2017, 03:11:03 PM
12/31/14   $176,682
12/31/15   $194,077
12/31/16   $240,276
12/30/17   $321,091

This doesn't include any equity in our house, just retirement and cash accounts only. My year end goal was $300k, hit that in September! This seems too easy... I hope I don't lose my mind when a correction comes.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: salt cured on December 30, 2017, 03:49:15 PM
Congratulations everyone. Here's our recorded progress. Our 2015 was actually pretty decent, but we took over $25k in debt from my in-laws. I also got a job that summer (though my wife became unemployed), which has really propelled us these last few years. Hoping to hit $750k this time next year.

12/31/13   $180,500
12/31/14   $228,200
12/31/15   $254,200
12/31/16   $374,800
12/31/17   $566,000
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on December 30, 2017, 03:58:30 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
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MilesTeg on December 30, 2017, 04:29:25 PM
16: 558k
17: 711K (+153k)

This will sound boastful but actually a disappointing year. Lots of money spent on new house and general spendy pants stuff. ~25k shortfall on cash savings. That said, made more than that in house appreciation so we're fine with it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ND on December 30, 2017, 06:01:03 PM
Net worth started at around $200k in February, now around $290k.

It's been interesting keeping track of my expenses for the first time ever.
Current savings rate: ~57%
Yearly expenses: ~$20k,  $2k of which is taken up by travel (mostly hotels).

I opened up my first credit card this year around the same time I found out about FI.  My goal for next year is to sign up for my second credit card and hopefully get some nice travel rewards bonuses out of it, and also spend more nights camping instead of staying in hotels.

I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: plainjane on December 30, 2017, 07:07:57 PM
I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*

That's a huge change to maintain. Congratulations on the improvement.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 30, 2017, 07:48:02 PM
Net worth started at around $200k in February, now around $290k.

It's been interesting keeping track of my expenses for the first time ever.
Current savings rate: ~57%
Yearly expenses: ~$20k,  $2k of which is taken up by travel (mostly hotels).

I opened up my first credit card this year around the same time I found out about FI.  My goal for next year is to sign up for my second credit card and hopefully get some nice travel rewards bonuses out of it, and also spend more nights camping instead of staying in hotels.

I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*

Being very generous and calling it $10 a meal... that's well over $10,000 a year on eating out :O

Can confirm camping is a whole lot of fun. Especially when there's no TV /phone reception and it's just you and the starry starry night.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 30, 2017, 08:38:24 PM
Finally have a number.  $341,722 increase in investments.   $1,866,807 total in invested assets and no debt.  We got paid off real estate.   It's worth something so net worth crested 2MM this year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ND on December 30, 2017, 08:47:45 PM
Net worth started at around $200k in February, now around $290k.

It's been interesting keeping track of my expenses for the first time ever.
Current savings rate: ~57%
Yearly expenses: ~$20k,  $2k of which is taken up by travel (mostly hotels).

I opened up my first credit card this year around the same time I found out about FI.  My goal for next year is to sign up for my second credit card and hopefully get some nice travel rewards bonuses out of it, and also spend more nights camping instead of staying in hotels.

I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*

Being very generous and calling it $10 a meal... that's well over $10,000 a year on eating out :O

Can confirm camping is a whole lot of fun. Especially when there's no TV /phone reception and it's just you and the starry starry night.

I thought I wouldn't have much historical data to go on, but it turns out I do still have all of my bank transactions for the ~250 days preceding my discovery of FI.  My spending during that time averages out to ~$25,300 a year.  Food makes up almost all of the difference, I'm sure of it. lol

I still spend more than necessary on groceries, too.  There's definitely still room for improvement.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: BrokenBiscuits on December 31, 2017, 04:26:23 AM
Uk based so numbers are in gbp

Dec 2013 NW 68k
Dec 2014 NW 82.5k (14.5k / 21.32%)
Dec 2015 NW 110k   (27.5k / 33.33%)
Dec 2016 NW 142k  (32k / 29.09%)
Dec 2017 NW 165k  (23k/ 16.19%)

Dec 2018 NW 190k stretching target.

Just shy of 100k in the 4 years I have been recording. I’ll admit I’ve not been as focused for 2017 and so will try to push on a bit more with 2018 and go for 25k.

From the numbers, looking in from the outside, 25k looks easy as I already achieved more in previous years but in 2015 I got a redundancy payout and 2016 I lived like a monk! So 25k will be a stretching target and will need the markets to continue to be kind to us all.

Wishing you all a successful 2018.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: CorpRaider on December 31, 2017, 07:49:06 AM
Great job everyone!  I added ~ $75K.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Adge on December 31, 2017, 08:17:18 AM
My goal for 2017 was to double my net worth, and I ended up doing even a bit better :) Because I was starting low, this is probably the only year I will actually DOUBLE my net worth so I'm celebrating!

2016 year end: $16,400
2017 year end: $34,700

That's $18k saved on a salary of $41k a year gross, I'm very pleased with my progress! I expect to earn the same next year and maintain similar expenses, so without any significant downfalls I should clear $50k by the end of 2018. At 31 with those numbers I'm obviously not a candidate for extreme RE, but I should be well-set to cut back on fulltime work long before 67.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kissthesky on December 31, 2017, 09:38:37 AM
I finished my end of month/year financial reporting wrap-up yesterday and somehow didn't even look at the NW increase. Seeing it now - guess I have been good this year! NW increase was an insane 210k. This really is the best present.

2017: 672k
2016: 462k
2015: 307k
2014: 229k
2013: 132k
2012: 70k
2011: 41k
2010: 4k
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on December 31, 2017, 10:09:00 AM
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.

What a year!  Reached "comfortable FI" a few months early.  I'm up ~15% in 2017, leaving me at 100.7% of my target #.  My 2017 increase was 57% more than my gross salary. 

75 days until RE!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Half Stached on December 31, 2017, 10:15:21 AM
Wow! I'm not sure I'll ever see this kind of gains again annually. It was a convergence of a strong market and a higher than usual bonus. Our net worth increased 423K this year.

2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

Retirement in 15 months...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SpareChange on December 31, 2017, 10:54:29 AM
EOY    Networth     
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: pachnik on December 31, 2017, 12:19:45 PM
January 2 2017 - $408,000.00
December 31 2017 - $458,000.00

I put $16,000.00 this year into my RRSP so the rest of the increase is the market.  I am amazed!  Good work everybody! 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: fattest_foot on December 31, 2017, 02:01:21 PM
Fun thread. It's interesting to compare yourself to others with common goals. This is just investment assets and not cash or mortgage factoring into net worth.

2014: $97k
2015: $129k
2016: $205k
2017: $318k
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: letired on December 31, 2017, 03:45:33 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%!

2015: +13.0%
2016: +21.7%
2017: +30.1%

What a year! I've been trying to manage my expectation that I can't increase the percentage increase all the time, but the market this year really wants me to expect it!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ardrum on December 31, 2017, 03:51:51 PM
My net worth rose by OVER 3x annual living expenses this year!  Sure, perhaps markets could be crazy inflated, but it's still nice buffer in future down years!  Pleased to say the least.

1/1/16: Around $2000
1/1/17: $31,881
12/31/17: $92,725
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: WhiteTrashCash on December 31, 2017, 04:05:06 PM
2016: $77000

2017: $128000

Not including home equity.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SpareChangeYourLife on December 31, 2017, 07:43:30 PM
This is my first post on this board, and also my first year to calculate our net worth.

12/31/2016   $196,296
12/31/2017   $289,041

We did very well in CryptoCurrency as well as the market.  Our expenses are high right now due to having a child in daycare, but that won't last forever.  I'm hoping to turn up the notch this year in more Mustachian ways than just good investments.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on December 31, 2017, 08:02:35 PM
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k Nov 2017 $278k
+$27k in the year we had a baby, moved 5000km away, dropped to a single income and spent 3 months on holidays. It isn’t last years gains but I’m pretty happy regardless.

$250k of the above is sitting in cash earning very little. 2018 is the year we will finally do something with it because we are finally settled enough to buy a home. Once that is done we will hopefully feel more confident investing more elsewhere.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: FireRun on December 31, 2017, 08:51:40 PM

EOY    Invested Assets     
2011    $5,220           
2012    $19,330         
2013    $52,312       
2014    $128,996       
2015    $159,167     
2016    $242,885     
2017    $363,983

Pretty great year. +121K for a nearly 50% increase.


Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on December 31, 2017, 09:05:58 PM
Invested Assets:

12/31/16   $1,220,721   + $60,000 in cash savings
12/31/17   $1,514,360   + $63,000 in cash savings  -  $34,000 car loan @2.22% (Chevrolet Bolt)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 01, 2018, 06:41:33 AM
I just wrote a detailed post about this, interestingly I found MMM and these boards in 2013 after halfway poking around on other financial forums for over a decade:

2011:  $323,000
2012: $470,000
2013: $716,000
2014: $894,000
2015: $1,019,000
2016: $1,208,000
2017:  $1,519,000

$311,000 is a record increase, the 17% overall return on the investment accounts didn't hurt and income keeps going up every year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: YellowCat on January 01, 2018, 08:48:03 AM
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. --> We exceeded this goal massively, thanks to a crazy year in the market!

Well, final numbers are in and it's been a hell of a year! Current NW including home equity is $628,029.19, which represents an increase of +$200,082 (!!) over our Dec 2016 NW of $427,947.20. This is higher than our combined salaries for the year!

Good news for 2018
- Annual household income has increased from $183,570 to approx. $190,640 (+$7,070) due to year-end increases for both of us. This doesn't include any bonus income we may see this year.
- Much of our 2018 travel was paid for already in 2017 (big trip to visit in-laws planned for Feb 2018, personal trip to Iceland for May 2018). Hopefully we can curb our travel spending a bit this year, as it's consistently about 15-20% of what we spend annually. This is ok, as it aligns with our priorities, but it's still a huge pile of money.

2018 Goals
I have no idea where the market is heading, so I'm hesitant to make a NW goal. But I will set a few goals for things which I actually do have some control over....
- Reduce household spending below what we spent in 2017 ($50,347.57) & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year. My husband's car loan is finished in June, so this should free up some cash, and there's always room for additional optimization in other areas as well.
- Personal sub-goal, inspired by Mrs. Frugalwoods: No clothing shopping for me in 2018. I don't have a clothing "problem" per-se, just want to re-program myself and really think hard about all of my purchases and make sure they align with my priorities.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on January 01, 2018, 09:21:14 AM
About a $330,000 Networth increase for us, perhaps our last large net worth increase ever as wife and I both quit our jobs this year
About $100,000 of that was from appreciation and capital freed up when we sold our primary residence.

1/1/2016   :   $851,955.14
1/1/2017   :   $1,183,264.32
1/1/2018  :  $1,362,853.31

Networth increased by almost $180,000 even without jobs. I guess I was wrong when I predicted last year would be the last year of large net worth increases :S
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MishMash on January 01, 2018, 09:32:14 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2018, 10:24:34 AM
About a $330,000 Networth increase for us, perhaps our last large net worth increase ever as wife and I both quit our jobs this year
About $100,000 of that was from appreciation and capital freed up when we sold our primary residence.

1/1/2016   :   $851,955.14
1/1/2017   :   $1,183,264.32
1/1/2018  :  $1,362,853.31

Networth increased by almost $180,000 even without jobs. I guess I was wrong when I predicted last year would be the last year of large net worth increases :S

I had a very similar result - some wise person said “money will find you”.  So true!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2018, 10:27:42 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

@MishMash - glad you escaped that job, but so sorry to hear about your injury (and new roomie). Wishing you the best as you heal.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NICE! on January 01, 2018, 10:52:38 AM
Market returns have been ridiculous, but savings have been even better. What a great year for the home team and what a significant improvement on previous years' % gains.

2013: $180k
2014: $242k
2015: $286k
2016: $300k
2017: $525k
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Optimiser on January 01, 2018, 02:28:14 PM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
12/31/2017: -$30,801   2018 could be the year we get back to black
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 01, 2018, 02:33:48 PM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

Wow I hope you recover fully. I kind of recall that with stroke patients they force them to try to move the limb that can't move, and perhaps that gets nerves to regrow back
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on January 01, 2018, 02:48:26 PM
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)

31 Dec 2017:  $496,452  (Δ $124,841)

I saved ~$60k, and the rest is market gains.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kendallf on January 01, 2018, 07:48:34 PM
I figured this would be a bracing year of market corrections.  Instead NW is up 37%.  The market and a big bump in Zillow's valuation of our house are responsible for most of that.  I did save heavily this year but bought an exceptionally stupid car in December (I'm unapologetic), along with some relatively expensive help for family members. 

Maybe 2018 will be the bracing market correction year.  Or not.. my crystal ball sucks.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 02, 2018, 05:40:37 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

I'm sorry to hear about what you're going through.  My thoughts are with you, my wife is also dealing with weird neruologic issues after we got a life-threatening spinal issue resolved.  injured it while working out at 34, life is really short.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on January 02, 2018, 05:42:55 AM
Up 14%
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jessamine on January 02, 2018, 08:43:00 AM

Year     Net Worth     Invested
2013      172k           69k
2014      194k           88k (+19k)
2015      336k          134k (+46k)
2016      413k          165k (+31k)
2017      532k          247k (+82k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MishMash on January 02, 2018, 08:46:27 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

I'm sorry to hear about what you're going through.  My thoughts are with you, my wife is also dealing with weird neruologic issues after we got a life-threatening spinal issue resolved.  injured it while working out at 34, life is really short.

Lol sounds like your wife and I have similar issues, it sucks, I hope she gets well too!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 02, 2018, 09:00:41 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on January 02, 2018, 09:03:38 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.

Wow!  It's like magic isn't it!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 02, 2018, 09:09:39 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.

Looks like it's time for you to retire...  ;-)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 02, 2018, 10:11:26 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.

Looks like it's time for you to retire...  ;-)
Does indeed :)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: t5inside on January 02, 2018, 02:23:56 PM
Net worth by year:
December '15 - $134,180
December '16 -  $227,372 (+$93,192)
December '17 - $345,866 (+$118,494)

Hoping for $500k by end of 2018 :)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: FireHiker on January 02, 2018, 02:40:59 PM
Total Net Worth:
12-2015: $953,574
12-2016: $1,151,089 (+$197,514)
12-2017: $1,452,436 (+$301,347)

A big chunk of our net worth is home equity. If I remove that, here are the numbers, which are what we use for our FIRE calcs
12-2015: $512,823
12-2016: $619,182 (+$106,359)
12-2017: $843,760 (+$224,578)

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on January 02, 2018, 05:00:05 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)

2017 would have been much better but I was laid off in June.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Goldy on January 02, 2018, 05:32:18 PM
Dec 2013 - $699,658
Dec 2014 - $859,626
Dec 2015 - $958,149
Dec 2016 - $1,229,319 


Dec 2017 - $1,617,661  Increase of $388k

The green army is now contributing more than we are.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kevin5657 on January 02, 2018, 06:01:48 PM
Dec 2010   -5k (graduated from college)
Dec 2011    3.5k
Dec 2012    13k
Dec 2013   35k
Dec 2014   60k
Dec 2015   100k (bought a home)
Dec 2016   265k (company sold - got ~75k payout from shares)
Dec 2017   416k

30 yrs old and wife 26, ~200k household income no kids yet.  Had a slow start (lots of fruitless spending) from 2010-2012 before getting serious about saving.  Lofty goal of 600k by end of 2018.  Will depend on another great year for the market and real estate...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dootsiez on January 02, 2018, 06:09:27 PM
Only started tracking in 2015, just checked my last three spreadsheet, and now feeling rather heartened.

1/1/16 -  $9,835.84
1/1/17 - $25,454.41
1/1/18 - $93,613.31

I will be going into self-employment this year so I am expecting net worth to track backwards for a few months while I get myself set up. Hopefully, I will end up making back the initial investment by the end of the year. The goal is just to be neutral in 2018.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on January 03, 2018, 04:17:12 AM
2013: -15k (25k of student loans/HECS)
2014: +16k (still 23k of student loan/HECS lol)
I found my old post on Page 2!

2013: -$15k
2014: $16k  (+$31k)
2015:  ?
2016:  $130k
2017:  $195k

Still got $18k in student loans/HECs, but at 1.5%pa I'm in no rush to pay off more than the minimum! My retirement account (super) is $61k of my networth which is nice and healthy at my age (26yrs old).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DarkandStormy on January 03, 2018, 07:00:06 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SnackDog on January 03, 2018, 07:10:14 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Good work! At that rate you will hit $10MM in less than 9 years.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DarkandStormy on January 03, 2018, 07:29:46 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Good work! At that rate you will hit $10MM in less than 9 years.

Haha, wouldn't that be nice!  2017 was when I discovered MMM/FI in general and so I have a feeling it will represent my largest % increase of net worth and my portfolio.  Still, on track to max Roth IRA, HSA, and 401k in 2018 so we'll see how the markets do!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 03, 2018, 08:04:59 AM
Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349.74    (+ $99,648)       

Blew my 2017 goal of $150k out of the water. Goal for 2018 is $250k by July and $300k by end of year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: PhrugalPhan on January 04, 2018, 10:35:09 AM
Numbers are only for liquid investments (Not savings that stays fairly constant).  I have a paid off house in a HCOL area along with a paid off older car, but I have to live somewhere, so no sense including them. Also not including a vested pension as I can only get it 10 years from now ($30k/yr.)  I've been doing my investments on a $95k salary.

1/1/2016: $540k
1/1/2017: $670k (Growth of $130k)
1/1/2018: $841k (Growth of $171k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on January 05, 2018, 08:34:02 PM
I was just cleaning out a drawer and found my W-2 from 2003, when I worked a part-time, low wage job. My investment returns in the last week or 2 were more than I made the entire year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 06, 2018, 06:40:44 AM
I was just cleaning out a drawer and found my W-2 from 2003, when I worked a part-time, low wage job. My investment returns in the last week or 2 were more than I made the entire year!

Haha!  Isn't that the truth!  I was doing some social security calculations for a case study I'm participating in, my first full year working in 2004 was $39,013.   I made 2/3rds of that in investment gains last week
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: monkeymind on January 06, 2018, 10:56:16 AM
I think we were kind of spoiled in 2017 with some great stock market returns. Stash up 44% for the year (includes both contributions and gains).

The first week of 2018 hasn't been too shabby either. Up 52% of yearly gross salary (and more than 100% of yearly spending) in four trading days!!!  I'm not starting to look for sales on private islands just yet but it's been a fun week.

Happy 2018 everyone!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SunDevilFIRER on January 06, 2018, 11:23:41 AM
1/1/2017 ~ $70,000
1/1/2018 ~ $126,000 (+$56,000)

As others have said, very spoiled by the market this year, but I also happily maxed out my contributions. Great to read of the savings so many achieved this past year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: AccidentalMiser on January 06, 2018, 11:28:48 AM
Net 1/5/17 - 742k, 347k cash/stocks
Net 1/5/18 - 945k, 509k cash/stocks

I'm pretty happy with that since my salary is about 150k.  Here's to crossing 1M net worth this year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Mikila on January 06, 2018, 01:04:05 PM
Our net worth increased by $27K.  Woohoo!  Hoping to double that this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 09, 2018, 10:13:51 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.

December 2017:  $219,525  killed it!  Another increase in pay, though not nearly as much as last year.  In 2018 our net worth should go up a similar amount, assuming the stock market continues a steady climb.  If not, then things could stay at much lower levels.  I got a big bonus in December that will really make the NW number jump in January, but the rest of the year will be a much slower accumulation as our expenses rise this year.  I don't have accurate numbers yet to declare a goal, but a definite stretch goal would be $300,000.  I have no idea if we could hit that or not.  Probably something more like $280,000 to $290,000 assuming the stock market doesn't drop.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on January 09, 2018, 12:05:33 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!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: minimalistgamer on January 10, 2018, 06:24:55 PM
This is my net worth change -

Beginning of year balance (Saturday, January 14, 2017): $90,120.35
End of year balance (Saturday, December 16, 2017): $159,699.51

I did a very detailed analysis for those that want more details -
http://minimalistgamer.blogspot.com/2018/01/2017-financial-year-in-review.html
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Firehazard on January 10, 2018, 08:03:10 PM
My net worth (not including home equity) increased by $152k this year.  $52k I contributed, and the market did the rest.    I topped out the year at $625k.  Now I'm at $640K after ten days of 2018.

Household combined, we're at $1.45M.

One more year, and we're all done!  Today was the last January 10th I should ever have to suffer through at work.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OneCoolCat on January 10, 2018, 08:23:08 PM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(


1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 12, 2018, 03:41:51 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.

Down about $50K this year, mostly due to the Zillow value of my home becoming more reasonable.  I left my full time job and started a new venture in February 2017, so I wasn't saving nearly as much as before.  Investments were up $192K.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jengod on January 12, 2018, 10:50:52 PM
Looks like we are up $350K this year. Increase is from a modest stock options payout, phenomenal mutual fund gains and a continuing spike in housing prices in our area (we finally crossed the $1M threshold for home value).

Thanks to this thread we now record an annual net worth total and will report again next year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wkumtrider on January 13, 2018, 11:36:22 AM
2018 - $1,003,888.  I an officially a millionaire.  Can't believe it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 13, 2018, 03:07:00 PM
WOO HOO!!!!!!!!!!!!!  :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: nora on January 13, 2018, 11:15:09 PM
Ours increased 206000 (difference from this in numbers below is due to currency change). We became millionaires this year. Another great year despite big changes with husband retired and me working casually. We have rented out two of three spare bedrooms and some of our land, which really takes away a lot of the living expenses for us and increases our savings rate -these yield around 22000.

We had a big increase in super (Australia) due to sharemarket, and started to save outside super although only a small amount at this stage of around 45000. Hoping to increase this in the coming year. We would have annual expenses $60000 covered once it reaches 750000 assuming we rent the third room also, o a few more years work to go. Most of our net worth is in home equity, around 770000 with most of the balance in super.

Jan 2018 1175000 nzd
Jan 2017   950000 aud
Jan 2016   642000 aud
Jan 2015   445000 aud
Jan 2014   190000 aud
Jan 2013     90000 aud
Jan 2012    -15000 aud

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on January 15, 2018, 11:09:56 AM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?

Yes--very definitely.  No turning back now, even if I wanted to, as I signed paperwork for the Voluntary Separation Incentive Payout, which I will receive on 6/30/18.  My last day of classes will be on April 19.....109 days from now.  :)

Awesome..:)

You are keeping the side gig in FIRE, correct? I think that means you oversaved! :-)

94 more days until retirement....
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Zoot on January 16, 2018, 10:05:53 AM
2018 - $1,003,888.  I an officially a millionaire.  Can't believe it.

Welcome to the Double Comma Club!  :)  Come join us in the Race from $1M to $2M (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-$1m-to-$2m/) thread for your next million!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Parizade on January 16, 2018, 10:12:08 AM
My net worth increased by 80K last year while my COL decreased by about 20K
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SnackDog on January 16, 2018, 10:57:38 AM
2018 - $1,003,888.  I an officially a millionaire.  Can't believe it.

Welcome to the Double Comma Club!  :)  Come join us in the Race from $1M to $2M (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-$1m-to-$2m/) thread for your next million!

I thought the next level after two commas was three commas!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Zoot on January 16, 2018, 02:35:45 PM
I thought the next level after two commas was three commas!

That would be a VERY nice club to be in.  :)  Right now, though, I'm just focusing on the number before the first comma!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: oldtoyota on January 16, 2018, 07:00:18 PM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Well done!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DarkandStormy on January 17, 2018, 07:48:44 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Well done!

Thank you!  Have a feeling that 60% will be a lifetime high increase but we'll see what 2018 can bring.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MVal on January 18, 2018, 09:00:22 AM
My net worth at the beginning of 2017 was $84K and on the last day of the year, it was $120K. Despite a decrease in my savings rate, my net worth still increased $2000 more than it did last year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sw1tch on January 22, 2018, 07:27:01 PM

I'll post my approximate #'s here including my estimated pension balance at the beginning of the year:

2015: $236,000 (included estimated house value but sold it mid-year)
2016: $338,000
2017: $474,000
Current: $515,000

2018: $671,466
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on February 09, 2018, 07:20:22 AM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

Wow two years makes a difference. Paid off my remaining Student loan debt and Net worth is at ~$145K

12/31/2017 - $218,148.00

Time moves too quick
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on February 09, 2018, 07:27:13 AM
Dec 2013 - $210K
Dec 2014 - $327K
Dec 2015 - $422K
Dec 2016 - $523K
Feb 2018 - $643K

Late this year, and I didn't record anything in December or January, so just go with current.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: reverend on March 02, 2018, 04:52:43 PM
I just looked back to my increases. I was late to using Mint so I don't have data past 2012.

I started out in April 2012 with a NW of -$123026. This was mostly my mortgage of over $200K.

January 2013: -$52,635 (yes, negative number)
January 2014: $58,106
January 2015: $62,197
January 2016: $166,307
January 2017: $554,313
  The huge leap here was two-fold. Eliminating a $180K mortgage AND depositing the $42K profit from selling the house, so basically a $220K bump in NW.
January 2018: $905,233

As of right now
March 2018: $935,830

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: G-dog on March 02, 2018, 05:03:12 PM
I just looked back to my increases. I was late to using Mint so I don't have data past 2012.

I started out in April 2012 with a NW of -$123026. This was mostly my mortgage of over $200K.

January 2013: -$52,635 (yes, negative number)
January 2014: $58,106
January 2015: $62,197
January 2016: $166,307
January 2017: $554,313
  The huge leap here was two-fold. Eliminating a $180K mortgage AND depositing the $42K profit from selling the house, so basically a $220K bump in NW.
January 2018: $905,233

As of right now
March 2018: $935,830

Your NW EXPLODED! Congratulations!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SwordGuy on March 02, 2018, 05:26:22 PM
I have no idea where the market is heading, so I'm hesitant to make a NW goal. But I will set a few goals for things which I actually do have some control over....

I agree.   

I don't set Net Worth goals.  Instead, I set goals for how much I will invest and how much debt I'll pay off. 

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on March 04, 2018, 04:44:14 AM
I just looked back to my increases. I was late to using Mint so I don't have data past 2012.

I started out in April 2012 with a NW of -$123026. This was mostly my mortgage of over $200K.

January 2013: -$52,635 (yes, negative number)
January 2014: $58,106
January 2015: $62,197
January 2016: $166,307
January 2017: $554,313
  The huge leap here was two-fold. Eliminating a $180K mortgage AND depositing the $42K profit from selling the house, so basically a $220K bump in NW.
January 2018: $905,233

As of right now
March 2018: $935,830

Umm... I will still say congrats, but your net worth didn't jump that much because you were failing to account for the value of your house against your mortgage.

Nonetheless well done :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Tigerpine on March 06, 2018, 03:21:24 PM
It was 2015 when I started to really get my fiscal house in order, so my numbers are nowhere near as impressive as those before me, but....

Started the year with a negative net worth of roughly $3700.
Ended the year with a positive net worth of roughly $35,000.
Net gain of about $38,700.

Heading in the right direction!

Wow, 2017 was a good year.  Started with roughly $35,000 per above.
Ended with roughly $93,000.
Net gain of about $58,000.

Financially speaking, 2017 was the best year of my life (so far).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: londonbanker on April 05, 2018, 05:21:43 PM

Good year for me too... NW went up £229k overall, which mostly came from good old saving and mortgage payment (capital repayment). I almost completely missed the market bull run, being mostly liquid, so didn’t really get my of my NW increase from that... lesson to self; never try to time the market again!!!

4Q17 - £1,738k +£229k
4Q16 - £1,509k
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on April 06, 2018, 07:36:48 AM
Damn, since I posted my 2017 NW, Zillow has upped the estimate on my home value by $48k!  Yikes.  I knew our local real estate market was hot and suspected their previous estimate was on the low side, but I didn't know it was THAT hot. The spring buying season is in full swing and must be providing some relevant comps.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: monarda on April 06, 2018, 09:06:32 AM
January 2016    $668K
Dec 2016          $832K

Most of that is an increase in property value, and some of Zillow's values are questionable. But who knows.
About $80K of that total increase is certainly real cash. Likely more is real.

Dec 2017          $903K  ...but actually $863K when considering our $40K balance on 0% promo rate credit cards.

Considered an average of Zillow and Redfin estimates of our property value because both seem off for certain properties. CC balance is for a major remodel, so home equity will go way up in 2018 when we finish.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: onlykelsey on August 03, 2018, 06:41:20 AM
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.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on August 15, 2018, 03:52:01 PM
We didn't start tracking our net worth or (loosely) following MMM until May 2017.  Had i been paying attention earlier i'd be retired by now.

   Liquid Net Worth

5/1/2017   $1.55
6/1/2017   $1.61
7/1/2017   $1.64
8/1/2017   $1.75
9/1/2017   $1.79
10/1/2017   $1.82
11/1/2017   $2.02
12/1/2017   $2.10
1/1/2018   $2.17
2/1/2018   $2.23
3/1/2018   $2.20
4/1/2018   $2.22
5/1/2018   $2.28
6/1/2018   $2.34
7/1/2018   $2.40
8/1/2018   $2.45
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sol on August 15, 2018, 04:15:07 PM
Your numbers are confusing, wannabe.  Do you really have less than five dollars in liquid net worth, tracked down to the penny?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lews Therin on August 15, 2018, 04:22:38 PM
you probably have to add a few zeros Sol. reasonable way to hide the true amount.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on August 15, 2018, 06:55:45 PM
you probably have to add a few zeros Sol. reasonable way to hide the true amount.

You'll have to forgive him. Look at his head-shot, clearly dropped as a child.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on August 15, 2018, 08:00:34 PM
At 2.5 million dollars are you sure you're not ready to retire ?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on August 16, 2018, 07:24:07 AM
At 2.5 million dollars are you sure you're not ready to retire ?

i tried to respond from home but it didn't go through. DW and i went the last ~5 years spending loads of money (high end wine, vacas, Equinox, etc.).  i was introduced to MMM May 2017 and went (almost) full tilt. traded the BMX SUV for a CRV. cut cable and the landscaper. etc.  we still are far from mustachians but now we save every penny.

we weren't completely blind - we always maxed 401ks, i have almost always taken my lunch to work - but a combination of belt tightening and aggressive investment into the equity markets really drove up our numbers quickly.

we have a 1 year old, may have another, and live in a HCOL city. at our ages (me 38, her 34) i am not ready to leave a good/great job until we have over $3M in invested assets.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on August 16, 2018, 07:38:20 AM
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.

Me too. This year is not as good as the preceding ones. Call it reversion to the mean if you will.

Still on track for a 6 figure increase, but 3 years in a row of ~$180k gains have resulted in my expectations being too high.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: onlykelsey on August 16, 2018, 07:42:01 AM
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.

Me too. This year is not as good as the preceding ones. Call it reversion to the mean if you will.

Still on track for a 6 figure increase, but 3 years in a row of ~$180k gains have resulted in my expectations being too high.
Yeah.  I don't try to time the market, but I do feel like we have to be coming to an end of this bull market soon (at least in the US), so I'm trying to further temper my expectations.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: eazyebeneezer on August 17, 2018, 06:27:26 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!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on August 17, 2018, 06:17:31 PM

at our ages (me 38, her 34) i am not ready to leave a good/great job until we have over $3M in invested assets.

At this rate, you'll be there midway through next year. Nice job!