Race from $1M to $2M

[arcturus]

Hey, I’m the one who commented about having the 1939 Indian. We previously had a 1940 Indian and it’s definitely an investment. DH is a lifelong mechanic (aircraft, motorbikes, etc.) While he does spend money & time on this hobby of his, we do make a profit when he sells one of the bikes and he’s not one to hang out in bars or blow all his money on beer or boats, etc. It works out for us and we are both FIRE, so it’s not been too extravagant in regard to our NW or overall spending.

I am not a motorcycle person by any means, but yeah, I would tend to think of those as assets, meaning I would actually put them in my net worth calculation vs a depreciating car, which I have always excluded from my calcs.   Good for you to have a mechanically inclined spouse -- I don't get near that stuff.  I still take my 13 year old toyota to the dealership for all the maintenance, which I know is more expensive, but there is some peace of mind to it. 

And the great part about being mechanically inclined like that is -- the potential for supplemental retirement income!!  Double bonus!

[iluvzbeach]

Hey, I’m the one who commented about having the 1939 Indian. We previously had a 1940 Indian and it’s definitely an investment. DH is a lifelong mechanic (aircraft, motorbikes, etc.) While he does spend money & time on this hobby of his, we do make a profit when he sells one of the bikes and he’s not one to hang out in bars or blow all his money on beer or boats, etc. It works out for us and we are both FIRE, so it’s not been too extravagant in regard to our NW or overall spending.

I am not a motorcycle person by any means, but yeah, I would tend to think of those as assets, meaning I would actually put them in my net worth calculation vs a depreciating car, which I have always excluded from my calcs.   Good for you to have a mechanically inclined spouse -- I don't get near that stuff.  I still take my 13 year old toyota to the dealership for all the maintenance, which I know is more expensive, but there is some peace of mind to it. 

And the great part about being mechanically inclined like that is -- the potential for supplemental retirement income!!  Double bonus!

Yeah, I should clarify a bit. Even though DH almost always makes a profit when selling any of his antique motorcycles, we do not count any of them in our NW calculations. All we count for that purpose is real cash/investable assets and our real estate property. I would never count vehicles or personal possessions, furnishings, etc. in our NW.

It is great having a mechanically inclined spouse, but I am not opposed at all to using the dealership for our cars (especially during the warranty period.)

Sorry for derailing the thread…now back to posting NW race results.

[RWD]

And this last thread of conversations is why many of the old timers are gone from these forums...  lol.

But I am one of the old timers... At least, I've been here longer than you.

[TheAnonOne]

And this last thread of conversations is why many of the old timers are gone from these forums...  lol.

But I am one of the old timers... At least, I've been here longer than you.

Jan 2015 here.


I think, life is just different now. We are, after all, racing to multimillionaire status. Legitimately, "the small stuff" is more irrelevant than it useto be. Life is good.

FIRE at 36 or 38 or 40 is more up to the market than it is up to any personal choice I make. Obviously, let's not break the bank, but upgrading a car is the least of my worries. Hell, MMM himself just bought one.

[rebel_quietude]

2019         $826,413
2020         $1,019,917
APR 2021  $1,100, 966
AUG 2021 $1,200,662

Just a few days after reaching the first NW high water mark in almost two years, we're back to our regularly scheduled 100k benchmark posts.

JUN 2023 $1,303,602

Up about 200k YTD, with 47k in contributions. Would I have predicted that, amongst inflation, debt limit battles, and recession fears? Absolutely not.

Wild.

[Lady Stash]

The markets have been good to me and I'm in this group now too!  Can't believe it.

Invested Assets: 1,200K
Total Net Worth: 2,000K (with paid for house)

I've been shoveling cash onto the stash the past couple years.  I hit 1.6 Mil for the first time last month.  Thanks to the recent market run up, I'm already closing in on 1.7. 

Invested Assets: 1.68 Mil

[Zamboni]

Hmmm, let's see, where am I? Oh, that's right, I've been straightening out many aspect of my life. What was reported as my household net worth is now my net worth as a single person, so it looks wonky, but that's okay. Haven't been paying much attention to the financials lately, other than stockpiling cash and making sure my cash-flowing of Zamboni Jr's college costs continues on course. Another change needed is that I should now jettison my second column bc the liquid net worth and total net worth are now basically the same. At this point I'm calling it a win that I am still on this gauntlet and I didn't need to drop down to the previous gauntlet for making my first million. I'm going to clean it up to make the list shorter, so here's a semi-annual check in.

                    LNW           
Dec 2019     $1.02MM     
July 2020     $1.06MM   
Dec 2020     $1.26MM 
Aug 2021     $1.42MM
Dec 2021     $1.52MM
Jun 2022     $1.38MM
Dec 2022     $1.33MM
Jun 2023     $1.22MM

[caracarn]

Hell, MMM himself just bought one.

Let's not be disingenuous here and create false equivalencies.

Are you already FIRE?   MMM has hit that milestone over a decade ago, and has therefore established that his NW is still rising.  He's also got "free" money flowing in from this web site which he talked about way back when, and most of us are likely not having that spigot of cash flow, so saying "MMM did it so I can" is not really accurate.  I think you know that, but stating it here for tose later travelers who may been greenhorns and suddenly view it as license to spend frivolously and think it's responsible. 

At the end of the day each is on our own journey here.   If people want/feel they can take a detour and get themselves lost or that it is just a pleasant side trip to an overlook in life is for each to decide and live through.   I just do think there is a lot less of being honest with each other about calling BS when it surfaces.

[Zamboni]

I've decided I need to take a break from checking my account balances (other than keeping the checkbook balanced.) So, I've just put a reminder in my calendar to check in at the end of July. Honestly I should wait longer . . . we'll see how I feel when that reminder pops up.

[jsap819]

First post in this thread since we just crossed the $1 million mark last week in investible assets/cash. Took 8 years of very aggressive saving to get here. We are now in barebones FI territory and have also downshifted to part time (Coast FI). Plan is to max 401k and Roth while still working and whatever is left after expenses to taxable account. At least I feel secure that compounding will be doing most of the heavy lifting from this point on. Not sure if we will ever get to $2 million as we would RE and in Fat FIRE territory by then. But, you never know!

Wanted to update since it's been a little over 2 years since I posted this and some changes to our life situation. My wife was forced back into full time work by her employer at the end of 2021 and even though I've switched to part-time, my income has stayed the same as if I was full time. Because of this, our income is at its highest the past few years and we've also invested more outside of our retirement accounts. Even though 2022 wasn't good to our net worth, we've managed to stay afloat.


                  LNW                     TNW
Dec 2021: $1.1m                   $1.65m
Dec 2022: $1.0m                   $1.56m
Jun 2023:  $1.25m                 $1.83m

Our expenses the past few years have also been higher than normal. We've had to replace old appliances and put in a new ductless AC/heat pump to replace our old HVAC. I said back in 2021 that we probably won't get past $2 million since we may RE before we reach it, but based on our current trajectory and our willing to put up with work in the intermediate term (3-5 years), we will probably end up going past that number. Good problem to have, I suppose. 

[OurTown]

April 2021 = $1,004
May 2021 = $1,070
June 2021 = $1,054
July 2021 = $1,070
August 2021 = $1,088
September 2021 = $1,104
October 2021 = $1,083
November 2021 = $1,116
December 2021 = $1,117

January 2022 = $1,140
February 2022 = $1,080
March 2022 = $1,110
April 2022 = $1,125
May 2022 = $1,080
June 2022 = $1,089
July 2022 = $1,045
August 2022 = $1,082
September 2022 = $1,068
October 2022 = $1,021
November 2022 = $1,051
December 2022 = $1,100

January 2023 = $1,089
February 2023 = $1,128
March 2023 = $1,123
April 2023 = $1,138
May 2023 = $1,155
June 2023 = $1,157
July 2023 = $1,182

[2Birds1Stone]

01/01/2022 - $1,025,500
02/01/2022 - $1,056,900
03/01/2022 - $1,053,800
04/01/2022 - $1,113,000
05/01/2022 - $1,155,000
06/01/2022 - $1,204,900
07/01/2022 - $1,160,100
08/01/2022 - $1,218,800
09/01/2022 - $1,209,600
10/01/2022 - $1,189,600
11/01/2022 - $1,267,000
12/01/2022 - $1,325,000
01/01/2023 - $1,315,100
02/01/2023 - $1,380,000
03/01/2023 - $1,405,000
04/01/2023 - $1,440,000
05/01/2023 - $1,481,000
06/01/2023 - $1,505,300 - Officially FIRE'd
07/01/2023 - $1,565,500

[LeftA]

I crossed over into $2M category early this month. TBH, I’m not too sure of our exact net worth. It is a bit of a ballpark because lots of our net worth is tied into our house, which is hard to know exact worth. But, since we were several thousand above with a conservative estimate on the house, I feel confident enough.

I’m too lazy right now to look back at when exactly we hit $1M, but I believe it was summer 2019. So, I think once you hit a certain threshold, the continuous saving really gets you moving quite quickly!

Off to check out the $2M to $4M thread…

[afuera]

Congrats @LeftA !


Investments Only

	2015	2016	2017	2018	2019	2020	2021	2022	2023
January	$12,964	$53,694	$117,156	$286,460	$366,568	$554,279	$789,070	$1,023,691	$954,586
February	$14,893	$57,320	$130,755	$284,267	$388,104	$530,928	$829,754	$1,000,887	$947,661
March	$22,065	$71,035	$150,924	$291,192	$415,305	$575,079	$873,947	$1,035,654	$971,612
April	$24,785	$75,120	$161,757	$306,848	$429,917	$529,397	$925,944	$962,250	$990,639
May	$26,931	$87,541	$171,174	$317,739	$416,867	$573,991	$938,401	$935,331	$1,002,016
June	$29,021	$90,964	$191,558	$321,370	$458,412	$607,523	$952,115	$875,560	$1,052,128
July	$31,341	$93,025	$210,018	$339,122	$459,062	$630,288	$962,887	$965,972	-
August	$34,251	$95,245	$220,293	$353,410	$466,936	$686,631	$998,422	$912,288	-
September	$39,854	$97,814	$231,801	$361,506	$481,531	$669,786	$970,317	$837,917	-
October	$42,018	$98,335	$242,954	$336,674	$499,757	$663,596	$1,023,332	$895,518	-
November	$45,987	$100,344	$256,324	$356,143	$528,712	$743,883	$1,025,096	$918,718	-
December	$49,877	$106,390	$265,731	$332,761	$548,679	$779,415	$1,062,376	$896,791	-

[BiggerFishToFI]

Good Quarter! We are now borderline FI. If we fired our Nanny, we are there according to the 4% rule and our 12 month rolling expenses. We are planning to move to a slightly HCOL over Labor Day, and now have #2 on the way due next February so that math will change some. We will continue to march forward for now.

We will see what happens with #2. If we are overwhelmed, we are incredibly grateful to be in the position we are and may take a gap year or five.

Month   Invested   Networth   
04/30/17   $67,858   $125,786   <---- Discovered MMM / LBYM
09/30/17   $100,416   $168,105   <---- 100k Invested
01/31/19   $251,061   $311,711   <---- 250k Invested
06/30/20   $501,158   $573,100   <---- 500k Invested
10/31/21   $1,000,117   $1,191,167   <---- 1M Invested
11/30/21   $992,058   $1,164,338   
12/31/21   $1,080,047   $1,267,082   
03/31/22   $1,079,907   $1,261,231   
06/30/22   $951,010   $1,133,332   
09/30/22   $932,215   $1,116,375   
12/31/22   $1,037,594   $1,264,764   
03/31/23   $1,169,701   $1,363,914   
06/30/23   $1,259,219   $1,465,265   

[bigote2032]

1/31/2023    $1,086,347.19
2/28/2023    $1,462,233.84
3/31/2023    $1,492,865.46
4/30/2023    $1,516,786.80
5/31/2023    $1,543,270.83
6/30/2023    $1,615,750.49

Good month! Let's go!

[SEAK]

Still in the race but hopefully not for long! 
LNW
2015- $482k
2016- $627k
2017- $811k
2018- $813k
2019- $1.08M
2020- $1.35M
2021- $1.68M
2022- $1.46M
July 1, 2023- $1.67M

[UnleashHell]

Nov-17 - 300k

May-18  - 375k
July -18 - 400k
Dec-18 - 345K - liquid 404

annual net +45k (+15%) liquid  ?

Mar-19 - 415K
Jun-19 nw 444K - liquid -514K
Sep-19 nw 450K liquid 527K
dec-19 nw  490k liquid 575k 

annual net +145k (+42%) liquid  +171k (+42%)

mar-20 nw 374 liquid 455
Jun-20 nw 468 liquid 541
Sep-20 nw 612 liquid 573
Dec-20 nw  737 liquid 679

annual net +247k (+50%) liquid  +104k (+18%)

Mar-21 nw 848 liquid 761
jun-21 nw 943 liquid 821
Sep-21 nw 1,009 liquid 818
Dec-21 nw 1,066 liquid 863

annual net +329k (+45%) liquid  +184k (+27%)

Mar-22 nw 1,058 liquid 817
June-22nw 962  liquid 672
Sep-22 nw 964 liquid 684
Dec-22 nw 970 liquid 671

annual net -96k (-9%) liquid  -192k (-22%)

Jan-23 nw 991 liquid 719
Jun-23 nw 916 liquid 801

still down on the year but still retired and ok about it. nw down but liquid up due to me selling an underperforming townhouse. Cut the price to get rid of it but I either had the choice to raise rents to a stupid level or still it and get invested before stock prices recovered fully. Turns out I'm not a good slumlord so I sold.

[JGS1980]

Quarterly Update:

July-18     $704,760.25 (+54,904)
Oct-18      $768,090.42 (+63,330)
Jan-19      $761,423.60 (-06,666 for the quarter, +144,285 for the year)
April-19    $865,799.27 (+104,376)
July-19     $930,912.06 (+65,112)
Oct-19     $958,784.74 (+27,872)
Jan-20     $1,094,606 (+135,821 for the quarter, +333,183 for the year)
April-20   $931,456 (-163,150 for the quarter)
July-20    $1,128,599 (+197,143)
Oct-20     $1,233,581 (+104,981) *Milestone reached -over 1 million in liquid investments.
Jan-21     $1,468,865 (+235,284 for the quarter, +374,258 for the year))
April-21   $1,594,119 (+125,254)
July-21    $1,714,855 (+120,736)
Oct-21     $1,729,455 (+14,599)
Jan-22     $1,920,469 (+191,014 for the quarter, +451,604 for the year)
April-22   $1,864,657 (-$55,812)
July-22    $1,680,190 (-184,167)
Oct-22     *Did Not Calculate
Jan-23     $1,821,385 (DNC)
April-23   $1,953,913 (+132,528) *Milestone -over 1.5 million liquid
July-23    $2,092,670 (+138,757) ***Sabbatical Time***

JGS

[RWD]

July-23    $2,092,670 (+138,757) ***Sabbatical Time***

JGS

Congrats!!

[fuzzy math]

Hello hello!! Just graduated from the last thread. Its been a great month for NW increases! Still working, I think realistically my household needs to hit somewhere between 1.3- 1.6M before we downshift. What percentage of people here are retired already?

What color velvet smoking jackets do people wear here? I want to make sure I coordinate.



Investments only

	2018	2019	2020	2021	2022	2023
January	-	$226,942	$401,746	$603,129	$905,792	$860,957
February	-	$249,796	$414,430	$610,412	$867,164	$930,363
March	-	$270,351	$412,631	$630,438	$856,028	$938,053
April	-	$285,770	$393,815	$679,078	$900,389	$957,750
May	-	$295,838	$414,524	$719,534	$837,895	$973,337
June	$219,320	$283,393	$452,579	$737,483	$849,385	$968,752
July	$228,483	$307,071	$471,455	$771,570	$798,307	$1,013,927
August	$234,711	$315,942	$496,982	$784,835	$861,929	--
September	$245,993	$318,301	$529,603	$815,664	$837,259	--
October	$251,023	$334,301	$525,945	$795,014	$780,500	--
November	$238,881	$352,430	$528,082	$851,714	$844,902	--
December	$244,687	$370,715	$585,310	$880,980	$899,305	--

[iluvzbeach]

@fuzzy math, the beauty in being a member of this exclusive club is you can wear WTF color smoking jacket you want!  We're just pleased to have you join the club.

[turketron]

		2015	2016	2017	2018	2019	2020	2021	2022	2023
Jan			141,251.00	$193,414.19	$283,829.36	$359,505.30	$546,089.75	$762,355.51	$1,008,596.87	$896,405.70
Feb			$135,573.00	$200,758.63	$304,851.88	$397,087.41	$557,258.06	$780,137.13	$954,587.38	$956,408.33
Mar			$138,331.39	$211,677.78	$303,796.17	$428,309.57	$522,077.78	$815,764.71	$949,999.72	$942,437.96
Apr		$98k	$146,788.37	$217,643.71	$307,682.67	$440,342.71	$451,185.96	$829,307.88	$999,856.70	$978,864.73
May		$111k	$149,149.52	$225,773.04	$315,634.59	$456,285.80	$510,875.92	$874,326.67	$928,584.50	$995,095.52
Jun		$112k	$161,205.21	$232,222.09	$337,046.55	$441,047.77	$551,923.37	$878,873.50	$916,075.45	$998,436.27
Jul		$113k	$165,947.80	$235,779.19	$340,399.63	$476,489.51	$567,485.67	$907,568.86	$840,059.88	$1,064,698.17
Aug		$113k	$176,198.00	$244,461.55	$363,304.76	$486,559.27	$601,161.19	$923,408.92	$915,283.13
Sept		$116k	$178,840.37	$247,101.69	$385,572.12	$483,967.28	$653,037.25	$950,899.02	$891,457.82
Oct			$184,372.64	$256,365.91	$392,296.56	$490,200.54	$639,398.62	$907,416.93	$822,036.27
Nov		$120,330.91	$181,625.28	$266,140.14	$370,000.25	$501,003.17	$637,260.06	$963,453.56	$886,527.53
Dec		$138,810.56	$187,972.57	$279,806.93	$386,361.40	$531,904.82	$723,586.82	$964,037.88	$938,630.06

FINALLY back over $1mil! After 18 months I'm no longer an impostor and get to be a legitimate member of this thread again!

[Arbitrage]

Liquid NW / Total NW

1/1/16:   $455k / 675k
1/1/17:   $555k / 822k
1/1/18:   $735k / 1.071M
1/1/19:   $765k / 1.152M
1/1/20:   $1.049M / 1.531M
1/1/21:   $1.370M / 1.883M
1/1/22:   $1.972M / 2.252M
2/1/22:   $1.916M / 2.207M
3/1/22:   $1.900M / 2.189M
4/1/22:   $1.915M / 2.220M
5/1/22:   $1.806M / 2.134M
6/1/22:   $1.827M / 2.164M
7/1/22:   $1.695M / 2.066M
8/1/22:   $1.809M / 2.180M
9/1/22:   $1.766M / 2.149M
10/1/22: $1.614M / 1.997M
11/1/22: $1.702M / 2.048M
12/1/22: $1.822M / 2.163M
1/1/23:   $1.772M / 2.059M
2/1/23:   $1.884M / 2.193M
3/1/23:   $1.846M / 2.150M
4/1/23:   $1.863M / 2.166M
5/1/23:   $1.875M / 2.203M
6/1/23:   $1.854M / 2.184M
7/1/23:   $1.936M / 2.279M

Technically (and finally) a new ATH with total net worth, but any increases in house equity are mostly funny money right now as we're not intending to move for a long time.  Tantalizingly close in LNW.  I'm sure the market will pull back again like the bastard it is.

[Ladychips]

@fuzzy math, the beauty in being a member of this exclusive club is you can wear WTF color smoking jacket you want!  We're just pleased to have you join the club.

+1

[Ladychips]

12/17 - $473,407     $697,411
12/18 - $480,550     $732,108
12/19 - $669,819     $943,739
12/20 - $868,659     $1,159,159
12/21 - $1,097,677  $1,494,954
12/22 - $889,747     $1,473,525

01/23 - $928,729      $1,428,662
02/23 - $927,508      $1,428,662
03/23 - $945,677      $1,446.021
04/23 - $955,314      $1,477,097
05/23 - $955,572      $1,477,951

06/23 - $1,000,380   $1,523,364

@turketron, I'm absolutely walking with you.  I felt like I'd never get back here.  Still below the all time high, but there is just something about having a million bucks in cold hard cash (well, not exactly cold or hard or cash...but you know what I'm saying) to make you feel like...well...a millionaire.  Really happy about it.  Not that it changes one darn thing in my life.  But it still feels good.

[ToughMother]

End of Q2 2023 update

date         NW        Investments
4/3/14     $430k         $225k
9/19/14    $500k         $275k
11/6/14    $550k         $300K
5/9/15     $600k         $341k
4/13/16    $650k         $375k
9/7/16     $700k         $410k
5/6/17     $750k         $674k (*I think I lost history on one of our accounts prior to this)
9/9/17     $800k         $717k
11/22/17   Assets hit $1M
12/15/17   $850k         $770K
3/10/18    $900k         $770k (refinanced house, put $ in and moved from 30 to 15 yrs)
6/16/18    $950k         $818k
12/26/18   $900k         $750k
1/10/19    $950k         $803k
2/19/19    $1M !!!       $856k
6/12/19    $1.05M        $900k
10/9/19    $1.08M        $895k (downpayment on house and market misery)
12/31/19   $1.16M        $974k
2/12/20    $1.19M        $1M !!! 
 bad, scary, viral things happened, house stuff, then back at it 
8/13/21    $1.46M        $1.27M
12/31/21   $1.54M        $1.34M (refinanced house)
12/29/22   $1.48M        $1.26M (big house repairs and construction happening; invested ~$95K this year not including pension contributions)
3/31/23    $1.50M        $1.33M (big house repairs/construction)
6/30/23    $1.53M        $1.40M (just finished house work)

[pasadenafr]

*waves* ... hmmm ... guys? ... hi?

Funny to find that post again, posted right on the cusp of one big roll downhill... but a year and a half later, here I am again. Yesterday was the first time ever that I closed a month as a millionaire! Baby Million came and went a few times between Nov 21 and Jan 22, not to be seen again until a couple of weeks ago. And yesterday I finally got to write it down somewhere official (my Excel sheet)!

So I decided it's (finally) time to graduate and get those cookies and millionaire bars :)

Invested assets, long term savings and debts:

12/31/14       $51,962
12/31/15       $92,762
12/31/16      $163,900
12/31/17      $251,415
12/31/18      $330,093 - new job, nice retention bonus from previous job
12/31/19      $519,878 - pension lump sum after leaving old job (rolled into 401k)
12/31/20      $714,958
12/31/21      $993,847 - reached $1M on 11/03 and then, well... yeah.
12/31/22      $855,784

---

01/31/23      $930,327
02/28/23      $939,370
03/31/23      $977,364 - maxed out 401(k), started Mega Backdoor Roth
04/30/23      $991,877
05/31/23    $1,010,433 - YAY! COOKIES!
06/30/23    $1,056,937


I feel like I'm starting a new journey, and it's so exciting. This month also marked a new ATH for me. Hopefully Baby Million is here to stay this time, but hey, who knows?

[dandarc]

Date          TotalNW   Stache Only
Nov 12 2020 - 1.001M    0.953M
Jan 01 2021 - 1.061M    1.026M
Jan 01 2022 - 1.279M    1.246M
Jan 01 2023 - 1.066M    1.032M
Feb 01 2023 - 1.142M    1.105M
Mar 01 2023 - 1.115M    1.074M
Apr 01 2023 - 1.130M    1.086M
Jun 01 2023 - 1.132M    1.089M
Jul 02 2023 - 1.187M    1.138

Stache Highwater mark: November 9 2021 - 1.282M Total, 1.261M Stache

$55K (on the TNW anyway - "only" $49K on the 'stache)  in 1 month - this is much more fun to watch than when it goes the other way. Still quite a ways off from the all-time high but we'll get there and beyond eventually I'm sure.

[Jack0Life]

Updating for Jan 31st 2022.
Thanks to the late push last couple of days or else it would be worst.

Rental       250,000- Paid off. getting only $10k of net income per year.   
Primary     158,060- Valued this house at $475k. Exact house on the back fence just sold for $505k.
                              $475k- minus selling fee and balance owed.
Assets        45,000   
HSA           29.494
IRA-roth     124,410
IRA            78,395   
Inx funds    152,736   
401k          27,098 
Wife 401k   42.142   
Wife HSA    8,900   
Wifes IRA    99,290 
Loan          176,990- Other house equity. Loan being paid back @3.5%.
Cash          28,719-
Etrade        140,623- I made $21k from trading stocks. Still can't beat the SP500 LOL
TastyWorks  28,151
Gold           6,000

$1,416,008- Net Worth.
$1,261,948- Without primary home.

A decrease of ~$28.5k for the first month.

Wow, I haven't updated in 1 1/2 yr. Probably because of the tanking of 2022 and I've semi-retired.
So far half way through 2023, I've worked 327 hrs and made $24k. Slacking big time. Wife doesn't work.
Around Jan 2022 was still peak market and we still have another 9% before we match that again.
My Net Worth have finally reached $1.5 million because of house value.
We have a huge chunk of cash and for now settled on CDs and savings because the market scares me right now.

Rental       280,000- Paid off. Housing in Fla have skyrocketed.   
Primary     243,000- Valued this house at $550k. Will sell for more.
                              $550k- minus selling fee and balance owed.
Assets        50,000- 2 paid off, 3rd car will be done in 6 months   
HSA           37,781
IRA-roth     124,410- Holy crap, number is exactly same as Jan 2022
IRA            79,604   
Inx funds    153,983   
401k          27,017
Wife 401k   41,820   
Wife HSA    8,500   
Wifes IRA    99,697 
Loan          ZERO - SIL got divorced. Sold the house and we got our money back.
Cash          13,750-
1YR CD      150,000- I put a chunk of the proceeds from the house on 5.55% brokered CDs from Chase.
SAVINGS    83,000- Haven't figured what to do with this yet. Getting 4.5% Vanguard Cash Plus.
Etrade        18,748-
TastyWorks  58,482
Ibonds        44,000
Gold           6,000

$1,519,795 - Net Worth.
$1,276,795 - Without primary home.

[Turtle]

Combined personal and inherited investment/retirement accounts

April 2022   1,616
May 2022   1,620
June 2022   1,503
July 2022   1,610
August 2022   1,553
Sept 2022   1,429
Oct 2022   1,534
November 2022     1,630
Year End Dec 22 1,566

January 2022   1,682
February 2023   1,651
March 2023   1,695
April 2023           1,709

Seem to have missed posting last month.

End of June 2023 1,769

[on the road]

Thank you so much! Just seeing this message now. I am hoping to stay on the right side of the finish line this time, but hard to say.

Liquid net worth

      2020       2021       2022       2023
Jan              $1,428K    $1,979K    $1,867K
Feb     $984K    $1,463K    $1,967K    $2,005K
Mar     $883K    $1,501K    $1,991K    $1,961K
Apr     $721K    $1,720K    $2,111K    $2,076K
May   $1,092K    $1,793K    $1,906K    $2,075K
Jun              $1,828K    $1,918K
Jul              $1,841K    $1,833K
Aug   $1,217K    $1,860K    $1,916K
Sep   $1,260K    $1,906K    $1,892K
Oct   $1,265K    $1,866K    $1,745K
Nov   $1,253K    $1,951K    $1,822K
Dec   $1,375K    $1,911K    $1,933K

CONGRATULATIONS, on the road! It's awesome to see another graduation on this thread!!!

I'm sure the market will swing you back and forth a bit, but I hope you're taking a deep breath and celebrating your accomplishment.

[on the road]

Liquid net worth

      2020       2021       2022       2023
Jan              $1,428K    $1,979K    $1,867K
Feb     $984K    $1,463K    $1,967K    $2,005K
Mar     $883K    $1,501K    $1,991K    $1,961K
Apr     $721K    $1,720K    $2,111K    $2,076K
May   $1,092K    $1,793K    $1,906K    $2,075K
Jun              $1,828K    $1,918K    $2,064K
Jul              $1,841K    $1,833K    $2,108K
Aug   $1,217K    $1,860K    $1,916K
Sep   $1,260K    $1,906K    $1,892K
Oct   $1,265K    $1,866K    $1,745K
Nov   $1,253K    $1,951K    $1,822K
Dec   $1,375K    $1,911K    $1,933K

[JupiterGreen]

Liquid net worth

      2020       2021       2022       2023
Jan              $1,428K    $1,979K    $1,867K
Feb     $984K    $1,463K    $1,967K    $2,005K
Mar     $883K    $1,501K    $1,991K    $1,961K
Apr     $721K    $1,720K    $2,111K    $2,076K
May   $1,092K    $1,793K    $1,906K    $2,075K
Jun              $1,828K    $1,918K    $2,064K
Jul              $1,841K    $1,833K    $2,108K
Aug   $1,217K    $1,860K    $1,916K
Sep   $1,260K    $1,906K    $1,892K
Oct   $1,265K    $1,866K    $1,745K
Nov   $1,253K    $1,951K    $1,822K
Dec   $1,375K    $1,911K    $1,933K

Congrats, it looks like you've graduated!

[catbend]

An update on my journey:

2012--- $198k   
2013--- $256k  (+58)
2014--- $332k  (+76)
2015--- $445k  (113
2016--- $522k  (+77) (+husband!)
2017--- $655k  (+133)
2018--- $690k  (+35)
2019--- $898k  (+208)
2020--- $1,211 (+313)
2021---$1,521 (+310)
2022---$1,283 (-238) (yikes!)
2023---$1,555 so far this year

Thoughts from March 2023 - Husband and I are still truckin' buying cheap shares, getting small (but much appreciated govt cost of living increases) and despite a wild couple years, still aiming to be FIRE class of 2030.  I still think it's possible.

This is my tenth year of tracking monthly stash values and I'm so glad I have that perspective to look back on.  I also just downloaded the spreadsheet available over at the Case Study: Spreadsheet Updates.  Boy that's a powerful tool that's going to keep me learning lots!

Thoughts from July 2023- Well what a difference 3 months makes.  We went from about 1,300k to 1,555k.  This week we hit a new high for our Vanguard account surpassing $700k.  In March I was pretty down frustrated with the recent dip in the market.  Now I can't believe we're back up where we were and we've seen a $200k swing in our portfolio once again.  It's' a good reminder to keep on keepin' on. 

Also I notice a bigger portfolio means bigger absolute changes in dollars.  This invites interesting discussions.  Lately husband has been hot on buying land or real estate. We're near the Spokane market and that wouldn't be a bad choice.  Still I'm more comfortable to stay in the market (no real assets outside the house which I don't report on our net worth figures).  We're at about 90% stocks and 10% bonds. 

The early retirement calculator at networthify.com says we're back in striking distance to retire with the 2030 cohort.  I can't believe we've only got 7 years left of full time work until we fatFIRE.  Getting into the single digits is an interesting place to be, it makes me think about what I really want to do, the kind of person I want to be at work with the time I have remaining. 

Husband and I will likely move into Spokane (90 mins away) for retirement and that process (sell/buy) and the timing of the move relative to finishing work is a frequent topic of pondering for us as of late.  For example if we want to build a home, that process probably needs to start in a few years to be ready in 2030.

I'm making this post while I'm feeling pleased with progress, 3 months after feeling pretty frustrated as a reminder that these things come and go and staying the course is what will matter in the long run.  LNW 2M in 2026?  We'll see. 

[catbend]

Liquid net worth

      2020       2021       2022       2023
Jan              $1,428K    $1,979K    $1,867K
Feb     $984K    $1,463K    $1,967K    $2,005K
Mar     $883K    $1,501K    $1,991K    $1,961K
Apr     $721K    $1,720K    $2,111K    $2,076K
May   $1,092K    $1,793K    $1,906K    $2,075K
Jun              $1,828K    $1,918K    $2,064K
Jul              $1,841K    $1,833K    $2,108K
Aug   $1,217K    $1,860K    $1,916K
Sep   $1,260K    $1,906K    $1,892K
Oct   $1,265K    $1,866K    $1,745K
Nov   $1,253K    $1,951K    $1,822K
Dec   $1,375K    $1,911K    $1,933K

Congratulations On The Road, it looks like you're entering 2M to 4M.  I hope to join you there in a couple years.  Best wishes for more progress!

[Woodro85]

Joining the new group as I make the journey to $2M. I track networth which includes my home, but does not include my wife's assets. broke through the millionaire status to start 2023, and posting my March 1 status a few days early (busy the next few days!)

1/1/2013  -$20,000
1/1/2014   -$7,000
1/1/2015   $19,000
1/1/2016   $70,000
1/1/2017   $126,000
1/1/2018   $185,000
1/1/2019   $417,000
1/1/2020   $489,000
1/1/2021   $545,000
1/1/2022   $656,000
1/1/2023   $1,018,000
2/1/2023   $1,043,000
3/1/2023   $1,047,000

Based on my projections I should graduate this group in June 2027. Another million in less than 4.5 years does not seem realistic but I keep beating my projections (humble brag). Hopefully at this time I'll be evaluating the continuation of the 9-5 but don't have a set number right now. Let's go!

1/1/2023   $1,018,000
2/1/2023   $1,043,000
3/1/2023   $1,047,000
4/1/2023   $1,056,000
5/1/2023   $1,047,000
6/1/2023   $1,053,000
7/1/2023   $1,062,000

A few up and down months but think I'm back on track after a few big purchases first half of the year. Will look to break $1.1M mark before end of the year but we'll see what the stock market wants to do.

[caracarn]

An update on my journey:

2012--- $198k   
2013--- $256k  (+58)
2014--- $332k  (+76)
2015--- $445k  (113
2016--- $522k  (+77) (+husband!)
2017--- $655k  (+133)
2018--- $690k  (+35)
2019--- $898k  (+208)
2020--- $1,211 (+313)
2021---$1,521 (+310)
2022---$1,283 (-238) (yikes!)
2023---$1,555 so far this year

Thoughts from March 2023 - Husband and I are still truckin' buying cheap shares, getting small (but much appreciated govt cost of living increases) and despite a wild couple years, still aiming to be FIRE class of 2030.  I still think it's possible.

This is my tenth year of tracking monthly stash values and I'm so glad I have that perspective to look back on.  I also just downloaded the spreadsheet available over at the Case Study: Spreadsheet Updates.  Boy that's a powerful tool that's going to keep me learning lots!

Thoughts from July 2023- Well what a difference 3 months makes.  We went from about 1,300k to 1,555k.  This week we hit a new high for our Vanguard account surpassing $700k.  In March I was pretty down frustrated with the recent dip in the market.  Now I can't believe we're back up where we were and we've seen a $200k swing in our portfolio once again.  It's' a good reminder to keep on keepin' on. 

Also I notice a bigger portfolio means bigger absolute changes in dollars.  This invites interesting discussions.  Lately husband has been hot on buying land or real estate. We're near the Spokane market and that wouldn't be a bad choice.  Still I'm more comfortable to stay in the market (no real assets outside the house which I don't report on our net worth figures).  We're at about 90% stocks and 10% bonds. 

The early retirement calculator at networthify.com says we're back in striking distance to retire with the 2030 cohort.  I can't believe we've only got 7 years left of full time work until we fatFIRE.  Getting into the single digits is an interesting place to be, it makes me think about what I really want to do, the kind of person I want to be at work with the time I have remaining. 

Husband and I will likely move into Spokane (90 mins away) for retirement and that process (sell/buy) and the timing of the move relative to finishing work is a frequent topic of pondering for us as of late.  For example if we want to build a home, that process probably needs to start in a few years to be ready in 2030.

I'm making this post while I'm feeling pleased with progress, 3 months after feeling pretty frustrated as a reminder that these things come and go and staying the course is what will matter in the long run.  LNW 2M in 2026?  We'll see.

I think the overlooked point that is worth noting in your data is how the +husband correlated with much greater annual gains after that.   I think this is something we tend to gloss over here in this community for some reason.

[RWD]

10/1/2020 - 0.96m
1/1/2021 - 1.08m
4/1/2021 - 1.17m
7/1/2021 - 1.25m
10/1/2021 - 1.26m
1/1/2022 - 1.34m
4/1/2022 - 1.31m
7/1/2022 - 1.18m
10/1/2022 - 1.13m
1/1/2023 - 1.25m
4/1/2023 - 1.39m
7/1/2023 - 1.48m

Finally getting somewhere again.

[TempusFugit]

                 LNW    /  TNW
EOY 2018 -  877K  / 1.02M
EOY 2019 - 1.12M / 1.275M
EOY 2020 - 1.33M / 1.5M
EQ1 2021 - 1.39M / 1.59M
EQ2 2021 - 1.50M / 1.70M
EQ3 2021 - 1.53M / 1.73M
EOY 2021 - 1.65M / 1.85M
EQ1 2022 - 1.58M / 1.79M   
EQ2 2022 - 1.42M / 1.68M
EQ3 2022 - 1.37M / 1.63M
EOY 2022 - 1.46M / 1.72M
EQ1 2023 - 1.55M / 1.81M
EQ2 2023 - 1.64M / 1.91M

Forgot to update last week before it dropped a smidge.  I had briefly eclipsed my all-time LNW high. It was nice. For the day it lasted, anyway.

I'm getting impatient now that I'm closing in on the 2M TNW goal.  I have a small defined benefit (non-adjusted) pension that is worth about 200K at today's rates, so I suppose I could count that and be over the mark, but it doesn't feel quite legit somehow. 

[YellowCat]

May 2023: $1,900,474

Inching closer every day!

Total NW of today: $2,002,260!! I know it might not last long but it is pretty exciting :)

[RWD]

Total NW of today: $2,002,260!! I know it might not last long but it is pretty exciting :)

Congrats!!

[rebel_quietude]

Woot! Congratulations, @YellowCat! 

I hope you feel proud of all you've accomplished!

[wkumtrider]

As of today my net worth is 1.89 million.  Hoping to hit the 2 mil mark soon!

[RWD]

Hit $1.5M today, halfway there!

[OurTown]

My numbers on this list are TNW, which includes about 200k in home equity.  So, compared with the LNW people, I am an impostor!  That being said, we are hovering at about 990k LNW so after much sideways movement the past couple of years we are finally about to become legitimate millionaires.

My rationale for using TNW is the trendline of month to month progress includes the gradual sunsetting of the mortgage (which will happen in the early years of FIRE, circa 2030).

Cheers!

[TempusFugit]

May 2023: $1,900,474

Inching closer every day!

Total NW of today: $2,002,260!! I know it might not last long but it is pretty exciting :)

Congratulations! How did you celebrate, @YellowCat ?   

[TempusFugit]

Hit $1.5M today, halfway there!

I would think of it as 75% there! 

[RWD]

Hit $1.5M today, halfway there!

I would think of it as 75% there!

Haha, depends on what you use as a reference point. Halfway along for this specific race (starting at $1M).

[Mrs. Healthywealth]

Have been tracking this on a spreadsheet, but it’s writing it out this ways really shows the power of compounding, a bull market, and getting really lucky with rentals.
3/2012 $120,915
3/2013 $146,486
3/2014 $216,711
3/2015 $314,489
3/2016 $390,145
3/2017 $511,176
3/2018 $663,176
3/2019 $745,015
3/2020 $889,585 (bought a few rentals)
3/2021 $1,174,257 (reallocated 60% of stocks into real estate)
3/2022 $1,605,148 (increase due to cashflow, debt pay down, appreciation)
3/2023 $1,664,944 (slowest gain in 12 years, still grateful for it).

Currently at 1.8 million, hoping to get to $2 mil in mid-2024.
Shooting for 5 million (in today’s dollars) in 12 yrs since we are saving only 25% of what we use to with me shifting to part time this month and working on and off last 2 years since we FI’d.  With rentals, it feels safer to keep saving than spend. Though we have never felt deprived.
Also, not accounting for actual value of pension.

Feels good to get here after having put in so much effort to save. Glad I found MMM in 2013.