Author Topic: Progress for 20 something's  (Read 26905 times)

sufjork

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Re: Progress for 20 something's
« Reply #200 on: July 09, 2017, 08:17:24 PM »
My fiancÚ and I are just starting our journey to FIRE, and I love the idea of posting here as a baseline and then checking back in occasionally.

Me: 27, fiancÚ, 29. Live in HCOL area and both currently have low incomes. We don't have much saved at the moment, but we're working on making changes!

Savings account: 5k
IRA #1: 3.3k
IRA #2: 8.8k
401k: 0.5k (fiancÚ only recently started it)
Index fund: 11k (set up by my fiancÚ's father when he was sub-18 y/o)
Debt: 0, other than cc balances that we pay off in full every month
NW: 28.6k

We are working on getting a consistent savings rate and trying to get it as high as possible for our lower incomes. We're aiming for 25% but not sure if that's consistently possible right now. I recently changed my direct deposit to allocate 10% automatically to the savings account. I know it's not much but it's something - I also work at the company that provides this paycheck on a freelance basis so I never make the same amount, and am not comfortable with automatically contributing more at this point.

We are working on getting our savings account up to 7.5k, and then we will start actively contributing to our IRAs (we don't currently - this is old money rolled over from previous 401ks). I'm working on changing careers into a higher paying field so hopefully within a year I can start making significantly more money, and then we can begin savings a lot more every month.

I've enjoyed skimming through everyone else's posts. I love seeing where everyone is. I'm looking forward to catching up!
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sufjork

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Re: Progress for 20 something's
« Reply #201 on: July 09, 2017, 08:24:32 PM »
Well, I only have 6 months left of being in my 20's. Net worth is holding steady at $20,000, but unfortunately won't be going up much in the near future as I get my business off the ground that I started a few months back. My 10-hour-week side job is holding me steady but it isn't increasing my net worth by more than $100-200/month as that's about the max I can save off that income.

Goal is to increase my net worth by $12,000 before I'm out of my twenties (bday is 7/7). Think I can do it?

Happy belated birthday! It's 7/9. Did you do it?!
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nnls

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Re: Progress for 20 something's
« Reply #202 on: July 09, 2017, 08:56:25 PM »
Age 28 - Australian

Superannuation - $87000 (this is an Aussie retirement account cant access until i am 60)

Outside of super
Shares - $22000
Cash - $10000

Mortgages
Property 1 - $252000
Property 2 - $415000

Value of houses
Property 1 -$320000
Property 2 - $470000

No other debt.

Its end of financial year here in Australia so I thought I would do an update. I have left the house values the same, I haven't got a valuation but prices haven't changed much here in the last year

Age 29 - Australian

Superannuation - $105171.51

Outside of super
Shares - $38910.65
Cash - $4000 (decided I needed less of a cash buffer and moved this into investments, )

Mortgages
Property 1 - $235780
Property 2 - $410711

Value of houses
Property 1 -$320000
Property 2 - $470000

No other debt.


MrMath

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Re: Progress for 20 something's
« Reply #203 on: July 10, 2017, 05:54:07 PM »
Just got a job as a math teacher!
Age:24
Here are my stats so far:
Roth IRA: 16,400
457b: 500
403b: 3200
Taxable Brokerage: 5100
Savings Account: 2000
Gold: 3 oz (around 4000)
Debt: -6500 (student loans that will be forgiven by teaching 5 yrs)

Net Worth: 24.200
Deducting 18k year in 403, 5500 in 457 and 8k in pension. If I have money left will move to Roth. Still figuring out my livable wage. Gross 48K.
Advice?

Update:

Age:25
Roth IRA: 22,240
Traditional IRA: 400
457b: 13,400
403b: 10,800
Taxable Brokerage: 5,500
Savings/checking account: 54,000 (inheritance, about to redistribute, just cleared)
Gold: 1 oz (around 1,200)
Debt: -6500 (student loans that will be forgiven by teaching 5 yrs)
Credit Cards: 200

Net Worth: 100,400
Deducting 18k year in 403, 18,000 in 457 and 8k(automatic) in pension.Also, $5,500 year to Roth.

Gross income 49K. Expenses ~ 500 month besides automatic deductions for  health, taxes, etc.
Going to live off of inheritance for a few years while I max out my retirement vehicles.
Advice?

afuera

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Re: Progress for 20 something's
« Reply #204 on: July 11, 2017, 06:59:10 AM »
I'm 24 and married (DH is 26). We are both engineers.
Checking + Online Savings: $70K
Retirement Accounts: $90K (tIRA-him=$31,400, rIRA-her=$6,700, 401K-her=48,800 HSA-her=2,300)
Taxable Accounts: $0
Debts: $0
NW: 160K

*Note: Our NW is about to plummet to about -$80K as we are buying a house with all of our cash from our online savings.

Everyone has been posting updates so since its been about a year since I posted in this thread, I figured I would too!

Me-25, Hubs-27
Checking + Savings: $10K
Retirement Accounts: $175K
Taxable Accounts: $17K
Home Value: 332K
Mortgage: $265K
NW: 270K,  Stash: 192K
"The price of anything is the amount of life you exchange for it" - Henry David Thoreau

6/2017: INV-3.4x, NW-5.0x
Projected FIRE date: 2025
Journal.

DarkandStormy

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Re: Progress for 20 something's
« Reply #205 on: July 11, 2017, 11:01:05 AM »
Just got a job as a math teacher!
Age:24
Here are my stats so far:
Roth IRA: 16,400
457b: 500
403b: 3200
Taxable Brokerage: 5100
Savings Account: 2000
Gold: 3 oz (around 4000)
Debt: -6500 (student loans that will be forgiven by teaching 5 yrs)

Net Worth: 24.200
Deducting 18k year in 403, 5500 in 457 and 8k in pension. If I have money left will move to Roth. Still figuring out my livable wage. Gross 48K.
Advice?

Update:

Age:25
Roth IRA: 22,240
Traditional IRA: 400
457b: 13,400
403b: 10,800
Taxable Brokerage: 5,500
Savings/checking account: 54,000 (inheritance, about to redistribute, just cleared)
Gold: 1 oz (around 1,200)
Debt: -6500 (student loans that will be forgiven by teaching 5 yrs)
Credit Cards: 200

Net Worth: 100,400
Deducting 18k year in 403, 18,000 in 457 and 8k(automatic) in pension.Also, $5,500 year to Roth.

Gross income 49K. Expenses ~ 500 month besides automatic deductions for  health, taxes, etc.
Going to live off of inheritance for a few years while I max out my retirement vehicles.
Advice?

Wow, nice!  If you find yourself with "extra savings" left over, I'd consider a taxable investment account if you're maxing out your retirement vehicles.  Yeah, it'll be taxed but it's the next best option unless you're going to buy a rental property or something like that.
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amyj05

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Re: Progress for 20 something's
« Reply #206 on: July 11, 2017, 11:11:00 AM »
I'll be 29 in less than 3 weeks. I'm married, no children. I'm a nurse and live in a LCOL area in the South.

Assets:
Checking: 4k
401k #1: 11k
401k #2: 300
IRA: 2.5k
House value: 71.5k

Debt:
House: 47k
Car: 9k

Total NW: $33,300

This thread has taken an interesting turn as far as asexuality is concerned. I don't think I should comment on it since I am not asexual, but I've enjoyed reading other people's thoughts about it. As far as NW is concerned, I'm pleasantly pleased with mine. I found MMM a little over a year ago and I've been working diligently to get the car paid off. Thankfully, I don't have any student loan or credit card debt and I plan on keeping it that way.

Almost exactly one year later and here are my stats:

Assets:
Checking: 5K
Savings: 1K
401K #1:17.2K
401K #2: 900
IRA: 2.7K
House Value: 71 K

Debt:
House: 44.3K

Total NW: $53,500

Not nearly as high as some people here, but I'm pleased with myself since I have a lower salary than most people posting here.
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MrMath

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Re: Progress for 20 something's
« Reply #207 on: July 11, 2017, 05:11:04 PM »
I'll be 29 in less than 3 weeks. I'm married, no children. I'm a nurse and live in a LCOL area in the South.

Assets:
Checking: 4k
401k #1: 11k
401k #2: 300
IRA: 2.5k
House value: 71.5k


Debt:
House: 47k
Car: 9k

Total NW: $33,300

This thread has taken an interesting turn as far as asexuality is concerned. I don't think I should comment on it since I am not asexual, but I've enjoyed reading other people's thoughts about it. As far as NW is concerned, I'm pleasantly pleased with mine. I found MMM a little over a year ago and I've been working diligently to get the car paid off. Thankfully, I don't have any student loan or credit card debt and I plan on keeping it that way.

Almost exactly one year later and here are my stats:

Assets:
Checking: 5K
Savings: 1K
401K #1:17.2K
401K #2: 900
IRA: 2.7K
House Value: 71 K

Debt:
House: 44.3K

Total NW: $53,500

Not nearly as high as some people here, but I'm pleased with myself since I have a lower salary than most people posting here.

Nice! You got the car paid off. About 20K in a year is a good chunk if your salary is low. As a nurse, it can't be too low, though, right? Good job, and keep it up!

nnls

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Re: Progress for 20 something's
« Reply #208 on: July 11, 2017, 06:58:34 PM »

Gross income 49K. Expenses ~ 500 month besides automatic deductions for  health, taxes, etc.
Going to live off of inheritance for a few years while I max out my retirement vehicles.
Advice?

Dont have any advice sorry, but might be a good idea to post a case study or in your own thread, I am sure plenty of people on here would be able to help.

oily_stache

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Re: Progress for 20 something's
« Reply #209 on: July 11, 2017, 07:58:12 PM »
First post!
Age 28, 29 in less than a month
Single

Assets
Condo $340k
Car ~$4k
Investments ~ $80k
Retirement Funds ~ $60k
Cash ~15k
No debt/mortgage

Pretty much at the $500k  NW mark. Lived at home through school (undergrad +grad) and saved scholarship and internship money during school. Started full time job in 2012 (~$100k/year + bonus - pre tax). Lived mostly a MMM lifestyle prior to finding MMM. Currently at about 70% post tax save rate, expecting FI in 5-8 years depending on market/FI definition, but maybe sooner if I can find a MrsMM.

Since updates are flying, here's mine.
Age 29, 30 in less than a month, and won't be part of this thread anymore.
Less single and dropping hints about MMM.

Assets
Condo $340k (HCOL)
Car ~$3.5k (2005)
Taxable Investments ~ $245k
Retirement Funds ~ $99k (work match/personal)
Cash ~176k (DCA into index funds)
No debt/mortgage

Total NW ~$855k ... The large NW increase is due to inheritance ~250k and continued aggressive savings rate around 78%, another raise, plus market returns. It would seem FI is much closer now (likely within a year or two depending on the market and various calculations). RE is on my mind most days at work but I don't know if I'll do it ASAP or wait OMY.

DarkandStormy

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Re: Progress for 20 something's
« Reply #210 on: July 12, 2017, 07:03:41 AM »
Age: 28, male.  Engaged, no kids, one dog.

Assets:
Checking Account: ~$3k
HSA (old): $685
HSA (new) non-investment portion (required): $1k
Cash: $4,685

Roth IRAs: $61,446 (old 401k was a Roth 401k that I rolled over plus maxing out annual contributions
Traditional IRA: $14,848
401(k): $1,142 (just started)
HSA (investments): $497
Taxable Investments: $19,339
Investments: $97,272

Car: '16 Prius C (whoops! wish I had found MMM before this purchase) ~$11,200
House: ~$340K

Total Assets: $453,157

Liabilities

Mortgage: $300,600
Car Loan (@ 0.9%): $14,900

Total Liabilities: $315,500

Net Worth: $137,657
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WildJager

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Re: Progress for 20 something's
« Reply #211 on: July 12, 2017, 09:09:00 AM »
I'm 31, but my wife is 29 so I'll use that to eek into this thread.  :)

My IRA: $82,690
Her IRA: $83,533
My 401k: $163,871
Her 401k: $145,424
Taxable investments: $776,290

NW: 1,251,756

No home equity.  We rent since we currently move a lot.  Eventually we'll probably buy a house once we FIRE and settle down, but that will come after some traveling.  I don't bother factoring in other physical assets, and we keep savings pretty trim for unexpected expenses (usually around $2,500).  We're both pilots and at this point bring in around $180,000 per year.  FIRE is in 2021 when our contracts expire. 

Northstar

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Re: Progress for 20 something's
« Reply #212 on: August 17, 2017, 07:20:21 PM »
Age : 27  Soon to be engaged, 0 kids 2 dogs

Liquid assets: $436,000

Stocks : $10,000

Realestate rental value: $575,000 (owe 85k on a commercial property with a partner)

Personal home value: $165,000 (owe 76k at 2.75%, will pay it off prior to retiring)

Business market value if I were to sell quickly : ~ $250,000

Net worth of around $1,025,000 currently, if I were to sell my business I'd be around 1.25M

NO IRA or retirement I just opted to put it all into realestate so I could control it more,  and all my properties purchased With sizeable equity capture and ROI are 20-24% so didn't feel to bad for not having traditional retirement

Vehicle ran through my company so no personal debt there, aiming to FIRE 2019 at aroind 1.5M to draw down on with around 60k passive income.


RockytopinDC

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Re: Progress for 20 something's
« Reply #213 on: August 22, 2017, 08:05:47 PM »
Age: 27

Engaged

Assets:

401K+Roth IRA: $131,000
Cash: $48,000

Liabilities:

Student Loans: $44K

Net worth: $135,000

DarkandStormy

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Re: Progress for 20 something's
« Reply #214 on: August 23, 2017, 08:10:56 AM »
Cash: $48,000

Student Loans: $44K

May I ask why?  Is the cash for a down payment on a house?  If not, it seems odd to sit on that much cash with your loan balance.
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CanyonMan

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Re: Progress for 20 something's
« Reply #215 on: August 23, 2017, 12:33:02 PM »
1-year (ish) update.

Cash/savings: 20k
Taxable Investment: 35K
Retirement + IRA: 70K
HSA: 1K
Home Equity: 132K (Massive jump due to appreciation)
---
Net worth including house: +/- 258K. (140% increase over June 2016)
Net worth without house: +/- 126K. (58% increase over June 2016)

Completed 2016 goal: Successfully got out of PMI via a refi to take advantage of home appreciation. (Went from 92% LTV to 62% LTV on paper overnight). When paired with the lower interest rate (3.75 vs 4.25) the payback period for the upfront costs was <6 months.

Long term goal: Still looking at a worst-case scenario of FIRE at 40, but more realistically it's going to be 36ish at the current rate. A job change would likely shorten the time frame drastically because of the low pay of my current position (Relative to other similar jobs in the area) but I've got some serious Stockholm syndrome going on with my employer. We'll see what the next year brings though.

26, male. Living in a high cost of living area.

Cash/savings: 18k
Taxable Investment: 22K
Retirement: 40K
Home Equity: 28K
---
Net worth: +/- 107K.

My sub 2-year goal is to get out of the PMI payments on the house. I'm only at 92% LTV, so almost 29K left to go. Once that's done I'll still have $192k in house debt, but the mortgage is at a low enough interest rate it doesn't make sense to pay it off faster.

My Long term goal is FIRE by 40, but I think I'll be ahead of that schedule. I also have a significant other who thinks the mustachian cult of personality is silly, but is very much on-board with reaching FI quickly so she can focus on a career path she deeply cares about, even if it's not fiscally beneficial.

amyj05

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Re: Progress for 20 something's
« Reply #216 on: August 31, 2017, 09:43:25 AM »


Nice! You got the car paid off. About 20K in a year is a good chunk if your salary is low. As a nurse, it can't be too low, though, right? Good job, and keep it up!



I'm only an LPN, not an RN and I work at a doctor's office, which is the lowest paying job for a nurse. I worked in a nursing home (which is typically the highest paying job for LPNs) when I first finished school, but it was rather overwhelming. I traded in the higher paycheck for less stress and nights/weekends/holidays off.
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Cwadda

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Re: Progress for 20 something's
« Reply #217 on: August 31, 2017, 10:33:44 AM »
I'm on the lower end compared to most folks here. Low earner between 2 jobs, one that pays $30k/yr and the other pays $10k/yr.

Age: 23, single, no kids, no pets
Salary: $40k/yr. No retirement benefits.
Roth IRA: $35k
SEP IRA: $1k
Cash: $6k
House: Worth $360k

Liabilities:
Personal loan $9k
Mortgage: $343k

NW: ~$50k

FrozenBits

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Re: Progress for 20 something's
« Reply #218 on: September 12, 2017, 06:31:17 PM »
Well, a lot has happened since I posted here last.  Both of us will be jobless in 2 weeks!  Ok, I'll only be jobless for a week but still.  I accepted a telecommute position that will be based out of Washington State.  The job is a little bump financially for my salary but we will lose my spouse's decent income for a while.  Meaning the amazing growth that we have seen these last 4 years will come to a drastic halt for a while.  We are getting things packed up and ready to move across the country shortly after I begin my position with the new company.  I really have no clue what the next couple months will have in store for us financially, but it should be hella fun!

Updated numbers since my last post are below.  I doubt we will hit our 375k NW goal for the end of the year but it appears we may hit the 300k Investment goal (at least briefly) thanks to this crazy market.



End Of
2014-Q1:                $55,471
2014-Q2:                $78,319            (+22,848)
2014-Q3:                $84,251            (+5,932)
2014-Q4:                $106,801          (+22,550)
2015-Q1:                $126,464          (+19,663)
2015-Q2:                $145,996          (+19,532)
2015-Q3:                $151,957          (+5,961)
2015-Q4:                $203,486          (+51,529)
2016-Q1:                $217,931          (+14,445)
2016-Q2:                $233,784          (+15,853)
2016-Q3:                $255,000          (+21,216)
2016-Q4:                $276,375          (+21,375)
2017-Q1:                $306,936          (+30,561)
2017-Q2:                $332,258          (+25,332)

Current:                  $351,042

A rough breakdown of assets:
Investments   = 297,800
Home Equity   = 48,000
Cash               = 5,242


happychineseboy

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Re: Progress for 20 something's
« Reply #219 on: November 20, 2017, 07:43:48 AM »
26 y/o. I have been working full time for 3 years since 23. Student loans blasted a 28K crater in my NW but I finished paying that off within a year of finishing school.

IRA - 20K
Cash - 25K
Robinhood (stocks)- 15K
Old 401k - 7K (I left before the full 5/6 year vesting period so I only got to keep 20% of company match)
Current 401k - 12K
ESPP - 9K

NW - 88K

I'm going to keep car and house out of my NW calculation.
Going forward I will be putting a lot less money into my Robinhood account and more into my 401K.

I have been maxing out IRA every year since graduation and I hope to continue that tradition.
I am currently contributing 40% to my 401k so I can max it out for 2016. Next year I will continue to max out my 401k.

Hoping to reach $200K by 30!

Another year has come and gone. I am 27 now

IRA - 34K
Cash - 18K
Robinhood (stocks)- 19K
Old 401k - 8K
Current 401k - 41K
ESPP - 25K

NW - 145K

Another strong year powered by phenomenal market returns
My HSA is starting to grow pretty quickly, for some reason I am hesitant to include it in my NW. Maybe I will include it next year
« Last Edit: November 20, 2017, 07:45:48 AM by happychineseboy »

McStache

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Re: Progress for 20 something's
« Reply #220 on: November 21, 2017, 08:55:16 AM »
25, HCOL, renter (3 years into working - tech related field)

401k: $61k
IRAs: $21k
HSA: $2k
Taxable: $50k
Cash: $7k
Debt: $0

Net worth: $141k

I found MMM/the concept of FI two years ago, and was already relatively frugal before that and came out of college without any student loans.  I'm hoping to hit $500k by the time I age out of this post, but it'll be a bit of a stretch.

Almost 1.5 years later... still in the same job in the tech-related field, but now making about $10k higher salary.

26, HCOL, renter (4.5 years into working - tech related field)

401k: $105k
IRAs: $30k
HSA: $7k
Taxable: $120k
Cash: $7k
Debt: $0

Net worth: $269k

I'm about half way to my bare-bones FI number and am definitely feeling the power of having FU money.  I'm more picky with work assignments, have better work/life boundaries, and take as much time off as I can.