Author Topic: 1MM networth by the end of 2018  (Read 9203 times)

boarder42

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1MM networth by the end of 2018
« on: December 25, 2017, 06:53:36 AM »
Last year we worked to get to 500k. Now let's push on to the double comma club. Who's in? 

We are sitting at 805k 1/1/2018 // updated for year end

Plan to get there with 110k savings 8k extra house networth. And the rest in market and private ESOP gains. So the market will have to cooperate.  Really hoping to hit the double comma by my 32nd bday in November. Stretch goal by the birth of our first child in July. Market would have to be insane to get that level return.
« Last Edit: December 29, 2017, 05:55:05 AM by boarder42 »

NinetyFour

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Re: 1MM networth by the end of 2018
« Reply #1 on: December 25, 2017, 08:42:53 AM »
I'm going to join you.

I am at $846,400 right now*.  In the next 6 months, I will have ~$140K of income (gross), but then on 7/1/18, the firehose of cash will stop, as I am retiring.

Not quite sure what my taxes will look like, and, of course, like you said, who knows what the markets will do!!

Good luck to us both!

* actually, my spreadsheets say $832,400, but I have been lowballing the value of my home, at $306,000.  Even increasing that value to $320,000 is still conservative, so I'll go with that, which brings my NW up to $846,400.

SwordGuy

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Re: 1MM networth by the end of 2018
« Reply #2 on: December 25, 2017, 06:22:57 PM »
@boarder42 , remember, the fastest way to grow your net worth is to pay down your mortgage faster.

(tee hee, looks for popcorn... )

sisto

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Re: 1MM networth by the end of 2018
« Reply #3 on: December 27, 2017, 09:25:07 AM »
LOL @SwordGuy
Good luck @boarder42  and @NinetyFour I'd join you guys, but I just hit that milestone about a month ago. I have confidence you can both do it.

Edited to include that I'll join in, but only count invested assets and cash. Currently sitting at ~$745K invested and ~$40K cash and $21K in HSA. So it's a bit of a lofty goal to reach $1M by EOY 2018, but I'm down for trying my best.
« Last Edit: December 27, 2017, 09:30:42 AM by sisto »

Carrie

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Re: 1MM networth by the end of 2018
« Reply #4 on: December 27, 2017, 09:31:58 AM »
I'm in. We are at about $905k, not including some stock options that I think are about $20k, but probably shouldn't count yet. This includes 100% home equity.
We will be maxing one 401k, 2 Roth IRAs, college savings @6k, fully fund HSA. The rest will have to be market gains.
I can't wait!

boarder42

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Re: 1MM networth by the end of 2018
« Reply #5 on: December 27, 2017, 09:33:42 AM »
@sisto why isn't that HSA money invested that's a lot of idle cash

sisto

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Re: 1MM networth by the end of 2018
« Reply #6 on: December 27, 2017, 10:08:04 AM »
@sisto why isn't that HSA money invested that's a lot of idle cash
@boarder42 it is invested in VIIIX. I have a HealthEquity account and they require $1K in cash and I can invest the rest. It just invested this morning from my last check. So I actually have ~20,800 in VIIIX and $1K in the HSA cash account.

boarder42

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Re: 1MM networth by the end of 2018
« Reply #7 on: December 27, 2017, 10:11:13 AM »
@sisto why isn't that HSA money invested that's a lot of idle cash
@boarder42 it is invested in VIIIX. I have a HealthEquity account and they require $1K in cash and I can invest the rest. It just invested this morning from my last check. So I actually have ~20,800 in VIIIX and $1K in the HSA cash account.

Oh ok I feel much better for you now.

BeanCounter

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Re: 1MM networth by the end of 2018
« Reply #8 on: December 27, 2017, 10:42:24 AM »
I would like to hit $1m in investments only (no e fund, no HSA, and no home equity) in 2018. And stay there through year end. Then while that grows a bit, maybe we could focus on trimming some expenses so we could FIRE in 1-2 years. As of today we are at $985k in investments.

sisto

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Re: 1MM networth by the end of 2018
« Reply #9 on: December 27, 2017, 10:57:50 AM »
@sisto why isn't that HSA money invested that's a lot of idle cash
@boarder42 it is invested in VIIIX. I have a HealthEquity account and they require $1K in cash and I can invest the rest. It just invested this morning from my last check. So I actually have ~20,800 in VIIIX and $1K in the HSA cash account.

Oh ok I feel much better for you now.
Thanks for caring and keeping me honest and on track! :)

TempusFugit

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Re: 1MM networth by the end of 2018
« Reply #10 on: December 27, 2017, 11:50:49 AM »
@boarder42 , remember, the fastest way to grow your net worth is to pay down your mortgage faster.

(tee hee, looks for popcorn... )

Instigator. 

boarder42

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Re: 1MM networth by the end of 2018
« Reply #11 on: December 27, 2017, 03:42:19 PM »
I would like to hit $1m in investments only (no e fund, no HSA, and no home equity) in 2018. And stay there through year end. Then while that grows a bit, maybe we could focus on trimming some expenses so we could FIRE in 1-2 years. As of today we are at $985k in investments.

you should destroy that easily in the first month.  1.5% gain gets your there basically.  thats with no contributions.

Bateaux

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Re: 1MM networth by the end of 2018
« Reply #12 on: December 27, 2017, 09:32:07 PM »
1MM  Oh shit.  50% down market!

Dicey

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Re: 1MM networth by the end of 2018
« Reply #13 on: December 28, 2017, 08:37:20 AM »
I think I'll join to sit on the sidewalk and clap as you go by. We're there, but damn, it sure would have been nice to have some encouragement back in the dark, pre-MMM days. Looking forward to cheering everyone on!

NinetyFour

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Re: 1MM networth by the end of 2018
« Reply #14 on: December 28, 2017, 09:58:53 AM »
I think I'll join to sit on the sidewalk and clap as you go by. We're there, but damn, it sure would have been nice to have some encouragement back in the dark, pre-MMM days. Looking forward to cheering everyone on!

Thanks for cheering, Dicey!  :)

jgoody

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Re: 1MM networth by the end of 2018
« Reply #15 on: December 28, 2017, 03:31:30 PM »
This may be a stretch goal, but I'm in.  As of December 2nd, I was at $785K made up of a combination of: 63K cash, 144K home equity, 381K brokerage, 56K roth IRA, 190K 401(K), and 20K HSA, minus 70K student loan.
Not included are home appreciation (substantial) or remaining mortgage debt (also substantial).  Let's do this!

Bateaux

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Re: 1MM networth by the end of 2018
« Reply #16 on: December 28, 2017, 06:12:28 PM »
@boarder42 , remember, the fastest way to grow your net worth is to pay down your mortgage faster.

(tee hee, looks for popcorn... )

Oh he hates that shit!!

Bateaux

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Re: 1MM networth by the end of 2018
« Reply #17 on: December 28, 2017, 06:15:16 PM »
I'm with Dicey cheering you along the way.  We'll have Gator-aid cups and fruit slices to refresh you as you run by.  Good luck to you all!

Chrissy

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Re: 1MM networth by the end of 2018
« Reply #18 on: April 27, 2018, 01:57:19 PM »
May I join you?

1/1/18:  $860k
2/1/18:  $883k
3/1/18:  $880k
4/1/18:  $898k

If we end up pouring $60k into a house reno, we won't make it, but, hopefully, we'll see y'all at the finish line!

Bateaux

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Re: 1MM networth by the end of 2018
« Reply #19 on: April 27, 2018, 03:25:26 PM »
May I join you?

1/1/18:  $860k
2/1/18:  $883k
3/1/18:  $880k
4/1/18:  $898k

If we end up pouring $60k into a house reno, we won't make it, but, hopefully, we'll see y'all at the finish line!

Slap a coat of paint on it and save the money. 

Carrie

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Re: 1MM networth by the end of 2018
« Reply #20 on: April 27, 2018, 03:32:22 PM »
We're flat right now with stock market craziness. Still holding out hope for hitting at YE, and looking for ways to trim the budget further, maybe pick up a side gig or two.

Fomerly known as something

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Re: 1MM networth by the end of 2018
« Reply #21 on: April 28, 2018, 06:56:40 AM »
I'm with Dicey and Bateaux but have beer and M & M's at my aide station.  (hey I'm a trail runner)

boarder42

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Re: 1MM networth by the end of 2018
« Reply #22 on: April 28, 2018, 07:35:54 AM »
Sitting around 860k with flat markets. Gonna be tough to make it this year. Have about 80k more savings going in the rest will need to be compensated by market gains. New that would be a stretch and need market cooperation. My stock eval is every April for my ESOP so we should be there easily by this time next year.

Chrissy

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Re: 1MM networth by the end of 2018
« Reply #23 on: April 28, 2018, 07:51:55 AM »
May I join you?

1/1/18:  $860k
2/1/18:  $883k
3/1/18:  $880k
4/1/18:  $898k

If we end up pouring $60k into a house reno, we won't make it, but, hopefully, we'll see y'all at the finish line!

Slap a coat of paint on it and save the money.

This is my husband's boondoggle, so you'd have to talk to him.

Dicey

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Re: 1MM networth by the end of 2018
« Reply #24 on: April 28, 2018, 07:52:44 AM »
I think I'll join to sit on the sidewalk and clap as you go by. We're there, but damn, it sure would have been nice to have some encouragement back in the dark, pre-MMM days. Looking forward to cheering everyone on!

Thanks for cheering, Dicey!  :)
Hey @NinetyFour, right back atcha! I just plowed through the Introduce Yourself thread last week. You and a couple of others (@jordanread + my short term memory sucks, but I know there were more) have been cheering on others for quite some time. It warmed my heart to see. I love this community!

And @boarder42, you just cross posted. Keep the faith, man. Stranger things have happened. You've made a ton of progress since you started here and your consistent message re: mortgages* is helping a lot of others reach their goals faster than they ever thought possible, even if they don't fully realize it yet!

Rockstars, the lot of you!

*PS - Just signed papers on a new property, complete with mortgage (OMG, 5.125%, ouch!) yesterday. It should close on Monday.

boarder42

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Re: 1MM networth by the end of 2018
« Reply #25 on: April 28, 2018, 08:03:32 AM »
I'm not down trodden its just math and variables outside of my control.

Dicey

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Re: 1MM networth by the end of 2018
« Reply #26 on: April 28, 2018, 08:25:36 AM »
I'm not down trodden its just math and variables outside of my control.
Ha! "down trodden" didn't even occur to me. I just wanted to offer a little support, particularly as I consider you another one of the amazing contributors around here. I thought the timing of your cross-post was really funny. Almost as if the stars aligned while I was thanking others to remind me to thank you, too.

Rockstars, all of you! I mean it!! Okay, except for the excessive Rockstar lifestyle. There are frugal Rockstars out there, right?

sisto

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Re: 1MM networth by the end of 2018
« Reply #27 on: April 30, 2018, 03:23:55 PM »
Sitting around 860k with flat markets. Gonna be tough to make it this year. Have about 80k more savings going in the rest will need to be compensated by market gains. New that would be a stretch and need market cooperation. My stock eval is every April for my ESOP so we should be there easily by this time next year.

Just counting cash and investments I'm also sitting at ~$867K. It sure would be nice to hit $1M without including home equity.

Carrie

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Re: 1MM networth by the end of 2018
« Reply #28 on: April 30, 2018, 05:56:37 PM »
Does anyone have any celebration planned for when you hit this milestone?
I'm planning to buy a chair I've been wanting, but not the authentic version - the high quality but cheaper knock off. :) hoping by the end of this year.

boarder42

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Re: 1MM networth by the end of 2018
« Reply #29 on: April 30, 2018, 09:08:54 PM »
Nothing really planned for 1MM networth. Maybe something at double comma invested. Which is about two years away. We already over spend. Don't really need another excuse haha

Chrissy

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Re: 1MM networth by the end of 2018
« Reply #30 on: May 01, 2018, 12:28:33 AM »
Not yet, but the year is young!

SuperSecretName

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Re: 1MM networth by the end of 2018
« Reply #31 on: May 01, 2018, 06:34:28 AM »
hopefully I get it.  currently at 907k.  Only 55% of that is in the market The other portions are in alternatives (crypto (I was a late comer, so, down), art (banksy), real estate, working capital).

I have almost 500 hours of vacation time that I can bank and rollover annually (took me close to 15 years to save that much), which I count also.  When I leave it'll be >20k after taxes.

sisto

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Re: 1MM networth by the end of 2018
« Reply #32 on: May 02, 2018, 11:26:42 AM »
Does anyone have any celebration planned for when you hit this milestone?
I'm planning to buy a chair I've been wanting, but not the authentic version - the high quality but cheaper knock off. :) hoping by the end of this year.

We'll likely toast to it with some inexpensive wine, otherwise nothing big planned. I agree with @boarder42 we already spend enough money.

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Re: 1MM networth by the end of 2018
« Reply #33 on: May 03, 2018, 03:44:09 AM »
I'm with Dicey cheering you along the way.  We'll have Gator-aid cups and fruit slices to refresh you as you run by.  Good luck to you all!

Ew. Anything that requires so much sugar to be palatable isn't a real thing.

I think I'll join to sit on the sidewalk and clap as you go by. We're there, but damn, it sure would have been nice to have some encouragement back in the dark, pre-MMM days. Looking forward to cheering everyone on!

Thanks for cheering, Dicey!  :)
Hey @NinetyFour, right back atcha! I just plowed through the Introduce Yourself thread last week. You and a couple of others (@jordanread + my short term memory sucks, but I know there were more) have been cheering on others for quite some time. It warmed my heart to see. I love this community!

And @boarder42, you just cross posted. Keep the faith, man. Stranger things have happened. You've made a ton of progress since you started here and your consistent message re: mortgages* is helping a lot of others reach their goals faster than they ever thought possible, even if they don't fully realize it yet!

Rockstars, the lot of you!

*PS - Just signed papers on a new property, complete with mortgage (OMG, 5.125%, ouch!) yesterday. It should close on Monday.

Ah, just blushed a bit. Thanks @Dicey . It's kind of funny that in a most unrelated manner, it turns out that @boarder42 and I chat offline a bit often. Small world?

FireHiker

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Re: 1MM networth by the end of 2018
« Reply #34 on: May 03, 2018, 09:34:22 AM »
1M was our LNW goal for the end of 2018 as well, but with the way the market is, who knows? We started the year at 843k and are 871k currently, after it peaked at 890k towards the end of January. We are 33k in on the "save 100k this year" challenge and should just barely make it, so we will come up short of 1M unless the market plays in our favor.


Chrissy

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Re: 1MM networth by the end of 2018
« Reply #35 on: May 03, 2018, 09:47:22 AM »
1/1/18:  $860k
2/1/18:  $883k
3/1/18:  $880k
4/1/18:  $898k
5/1/18:  $895k

rob in cal

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Re: 1MM networth by the end of 2018
« Reply #36 on: May 24, 2018, 10:34:52 AM »
  Don't get lazy and forget to monitor your status as you get close to the actual magic number. In our case I forgot to update  real estate values and hit the target sometime late last year, but I'm not really sure when.  One day I was somewhere in the 900s, and the next thing you know I was over the top.

boarder42

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Re: 1MM networth by the end of 2018
« Reply #37 on: May 24, 2018, 10:49:59 AM »
we're looking better - have around 906k right now thanks to the markets surging back and i decided to increase my estimate on our house - still not at actual value due to the cost to sell and a bit conservative.  Also going to get between 18 and 30k i wasnt expecting to come in - so with all that.  i think its reasonable to assume we could hit 1MM in 2018 again as long as  the market continues up

PNW Lady

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Re: 1MM networth by the end of 2018
« Reply #38 on: May 24, 2018, 11:09:31 AM »
NW is $944K as of this morning. Hoping to reach $1M in 2018 with another $30K in 401k EE/ERcontributions + $20K in contributions to taxable investments + some (minimal) market gains.

We will celebrate with a low-key date night dinner.

The $1M NW milestone is not of particular importance in our overall plan since we live in an increasingly HCOL area, but it will be super cool knowing we are stealth-millionaires.

Bateaux

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Re: 1MM networth by the end of 2018
« Reply #39 on: May 24, 2018, 01:15:09 PM »
  Just a little bit more to go!

Chrissy

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Re: 1MM networth by the end of 2018
« Reply #40 on: May 31, 2018, 06:26:35 PM »
1/1/18:  $860k
2/1/18:  $883k
3/1/18:  $880k
4/1/18:  $898k
5/1/18:  $895k
6/1/18:  $906k

sisto

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Re: 1MM networth by the end of 2018
« Reply #41 on: June 04, 2018, 10:51:43 AM »
  Don't get lazy and forget to monitor your status as you get close to the actual magic number. In our case I forgot to update  real estate values and hit the target sometime late last year, but I'm not really sure when.  One day I was somewhere in the 900s, and the next thing you know I was over the top.
This sort of happened to me too. I hadn't been able to put my HSA into MINT and I also hadn't updated my house value. Then all of a sudden I was over too.

For this challenge only counting cash and investments. Currently sitting at $934.5K. Should make the EOY goal of $1M

Carrie

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Re: 1MM networth by the end of 2018
« Reply #42 on: June 07, 2018, 08:27:30 AM »
Today we're at about 968k. So, so close. This includes that I've hit the home savings account hard doing some stuff around the house. After August our monthly costs will go down so there will be more cash to stash. We can do this!

ToughMother

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Re: 1MM networth by the end of 2018
« Reply #43 on: June 11, 2018, 01:40:53 PM »
I took a huge pay cut this year, beginning in April, so I'm dubious as to whether we can achieve this without quite a bit of help from the market.  (And we have remodeling still to do and a honeymoon to take -- and yea, the cash for both of those exists in the net worth figures below.) That said, who doesn't love a stretch goal?

1/1/2018   $860.9K
2/1/2018   $879.5K
3/1/2018   $868.2K
4/1/2018   $881.2K
5/1/2018   $917.4K
6/1/2018   $937.9K
7/1/2018   $943.7K
8/1/2018   $968.8K
9/1/2018   $988.4K
10/1/2018 $990.1K
11/1/2018 $955.6K
12/1/2018 $972.0K

$1M by the end of the year?  That's a big ol' NOPE.  Sitting at $945K on 12/15.  It was a nice thought though!

(edited to update)

Rock on fellow/ette future millionaires!
« Last Edit: Today at 11:11:15 AM by ToughMother »

boarder42

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Re: 1MM networth by the end of 2018
« Reply #44 on: June 11, 2018, 06:16:56 PM »
I took a huge pay cut this year, beginning in April, so I'm dubious as to whether we can achieve this without quite a bit of help from the market.  (And we have remodeling still to do and a honeymoon to take -- and yea, the cash for both of those exists in the net worth figures below.) That said, who doesn't love a stretch goal?

1/1/2018  $860.9K
2/1/2018  $879.5K
3/1/2018  $868.2K
4/1/2018  $881.2K
5/1/2018  $917.4K
6/1/2018  $937.9K

Rock on fellow/ette future millionaires!

We were stretching now it's looking highly probable.

jgoody

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Re: 1MM networth by the end of 2018
« Reply #45 on: June 13, 2018, 09:33:44 PM »
12/2017:   785K
3/2018:    822K
6/2018:    847K

boarder42

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Re: 1MM networth by the end of 2018
« Reply #46 on: June 14, 2018, 05:31:20 AM »
sitting at 930k highly likely we'll get there if the market stays flat to up . 

wow we were at 805k to start the year - quite the progression in 5.5 months.  most of that is due to gains in my company stock plan that hit every april crazy to look back and in this flattish market we've gone up 130k in networth.

Dicey

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Re: 1MM networth by the end of 2018
« Reply #47 on: June 14, 2018, 07:42:34 AM »
sitting at 930k highly likely we'll get there if the market stays flat to up . 

wow we were at 805k to start the year - quite the progression in 5.5 months.  most of that is due to gains in my company stock plan that hit every april crazy to look back and in this flattish market we've gone up 130k in networth.
Crazy good.

boarder42

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Re: 1MM networth by the end of 2018
« Reply #48 on: June 14, 2018, 09:29:02 AM »
sitting at 930k highly likely we'll get there if the market stays flat to up . 

wow we were at 805k to start the year - quite the progression in 5.5 months.  most of that is due to gains in my company stock plan that hit every april crazy to look back and in this flattish market we've gone up 130k in networth.
Crazy good.

i also upped my house expected value by 20k(thats included in the 930k) - which i dont know why but that just feels like cheating to me.  its still growing in value and now its 10k higher projected on zillow than it was when i bumped it and i'm still 40k under the zestimate(which i actually think is low) i dunno why but it just feels like cheating - probably due to the fact that we arent planning to move in FIRE so it really doesnt matter or effect FIRE date but it does effect total networth which is the goal of this thread.

sisto

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Re: 1MM networth by the end of 2018
« Reply #49 on: June 14, 2018, 10:26:49 AM »
sitting at 930k highly likely we'll get there if the market stays flat to up . 

wow we were at 805k to start the year - quite the progression in 5.5 months.  most of that is due to gains in my company stock plan that hit every april crazy to look back and in this flattish market we've gone up 130k in networth.
Crazy good.
I always feel like house value is cheating too. I prefer to look at cash and investments and consider everything else noise. If I sell my house then I'll consider the profit since it would be liquid at that point. I also own a condo that my mom lives in. I haven't considered that in the mix at all. It's sort of a game where I know I have another $100K floating around and with the way the market has been it's now about $150K, but I also have to take care of my mom. As of late I'm considering pulling the plug early and moving to Mexico. I had considered that as a possibility after my regular date in order to mitigate health care and sequence of returns risk, but now I'm seriously considering it full time and selling my house.
i also upped my house expected value by 20k(thats included in the 930k) - which i dont know why but that just feels like cheating to me.  its still growing in value and now its 10k higher projected on zillow than it was when i bumped it and i'm still 40k under the zestimate(which i actually think is low) i dunno why but it just feels like cheating - probably due to the fact that we arent planning to move in FIRE so it really doesnt matter or effect FIRE date but it does effect total networth which is the goal of this thread.