Race from $1M to $2M

[weebs]

I like the format used by TempusFugit, so here it goes:


                LNW    /  TNW
EOY 2020 - 1.52M / 2.19M
EOY 2021 - 1.77M / 2.58M
EOY 2022 - 1.71M / 2.51M
EQ2 2023 - 1.92M / 2.76M


I'd love to hit 2M/3M before we punch out.  We plan on working for the next two years, so that's not exactly a stretch goal (barring a market meltdown).

[oldmannickels]

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.

I started tracking in 2015 and my numbers are within 50k of yours almost every year.

[Mrs. Healthywealth]

Wow, what a coincidence! Hopefully you we both can enjoy graduating end of this year or early next! My savings will to drop to only $1500/mos, unless real estate gives us a decent cashflow…I don’t ever hold my breath on that.

[TheAnonOne]

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).

We also hit the 1.5mm mark.

Considering that we're targeting around (2mm + paid off house) I consider 1.5mm to be fairly encouraging. However our stache is "only" around 1.1mm of that.

The house has around 400k worth of debt on it @ 2.75%

Lot's of avenues to get there yet, but it's going to be a decent trek still. This target is fairly fat fire and it's that "high" mostly due to our own lifestyle inflation. I imagine were probably within 6-8 years of it, if the market is reasonably kind. Late 30s doesn't sound so bad :)

[Jack0Life]

Hit $1.5M today, halfway there!

Also hit $1.5 just a few weeks ago. 100% there LOL.
I was looking at some old posts and in 2015 I was around $550K and I had said wishing I could reach $1.5 million by 2025. This was based on my salary >$100k and how much we were saving + hoping for decent market return.
Who knew that 2019 was the last year I would make over $100k and I still made our $1.5 million mark 2 yrs early.
All due to a lucky break during the pandemic and the insane Florida real estate. Yeah we have the highest inflation of all the states.

[PassMMM]

Jan 16:   -35k
Jan 17:   30k
Jan 18:   125k
Jan 19:   245k
Jan 20:   367k
Dec 20:   489k
Apr 21:   605k - large bonus + home appreciation of nearly 100k in under a year.
Oct 21:   745k
Nov 21:   778
Dec 21:   811
Jan 22:    824
Feb 22:   890 (EOY Bonus)
Mar 22:   941 (house appreciation boom)
Apr 22:    970
Aug 22:   1,011
Oct 22:    991
Nov 22:   1,026
Dec 22:   1,031
Jan 23:   1,024
May 23:  1,131 (TNW - includes EOY bonus paid in early '23); 745 (LNW)
Jul  23:   1,235 (TNW); 833 (LNW)

Shocking what a quick change in the market yields when you have a nice stache in there. Great on the way up, but it was a lot easier to think of down markets as buying opportunities when you only lost nominal amount that you could make back in a couple of paychecks (100k to 85k after a 15% dip) whereas now I'd probably lose a year's salary. Cuts both ways, but a good problem to have to deal with.

[Turtle]

Jan 16:   -35k
Jan 17:   30k
Jan 18:   125k
Jan 19:   245k
Jan 20:   367k
Dec 20:   489k
Apr 21:   605k - large bonus + home appreciation of nearly 100k in under a year.
Oct 21:   745k
Nov 21:   778
Dec 21:   811
Jan 22:    824
Feb 22:   890 (EOY Bonus)
Mar 22:   941 (house appreciation boom)
Apr 22:    970
Aug 22:   1,011
Oct 22:    991
Nov 22:   1,026
Dec 22:   1,031
Jan 23:   1,024
May 23:  1,131 (TNW - includes EOY bonus paid in early '23); 745 (LNW)
Jul  23:   1,235 (TNW); 833 (LNW)

Shocking what a quick change in the market yields when you have a nice stache in there. Great on the way up, but it was a lot easier to think of down markets as buying opportunities when you only lost nominal amount that you could make back in a couple of paychecks (100k to 85k after a 15% dip) whereas now I'd probably lose a year's salary. Cuts both ways, but a good problem to have to deal with.

Last year my portfolio decreased by more than I earned in salary, but I stayed the course and so far this year it's already up more than double my salary.  2019, 20 & 21 all averaged increasing by as much or slightly more than my salary.  It's wild how much bigger the swings are the bigger the stash is.

[WesternAugust]

Crossed the 1.25m mark. Would be closer to 1.3, but had about 35k in home and auto expenses recently.

07/23/21 Cash & Investments: $1,010,510
09/02/21 Cash & Investments: $1,056,104
11/03/21 Cash & Investments: $1,097,920
01/03/22 Cash & Investments: $1,130,791
09/25/22 Cash & Investments: $970,496
11/04/22 Cash & Investments. $1,002,769
02/01/23 Cash & Investments: $1,109,044
04/20/23 Cash & Investments: $1,139,393
06/02/23 Cash & Investments: $1,175,438
06/14/23 Cash & Investments: $1,200,739
07/28/23 Cash & Investments: $1,253,933

[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
08/01/2023 - $1,600,000

Now that I caught the top, the market will surely crash tomorrow.

[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
August 2023 = $1,210

[fuzzy math]

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	$1,059,239
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	--

[Arbitrage]

Waiting for the final numbers to come in after market close today, but it's been an eventful month...

[Dogastrophe]

I crested the $1M mark at the end of June but wanted to give it another month before I called it graduation to this thread. :)

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)
January	-	496,255	674,413	898,547	902,687
February	-	472,573	700,728	880,646	903,228
March	-	444,067	732,652	901,213	928,990
April	-	495,051	762,029	848.393	982,455
May	-	524,063	759,955	843,438	990,932
June	-	524,530	796,116	789,251	1,032,315
July	330,406	552,296	826,664	856,647	1,070,543
August	437,870	632,115	866,404	848,320	-
September	443,081	617,959	827,075	813,668	-
October	452,295	604,646	873,651	865,508	-
November	483,711	664,577	898,767	905,357	-
December	484,963	674,843	925,511	860,954	-

[pasadenafr]

Waiting for the final numbers to come in after market close today, but it's been an eventful month...

Me too... I'll get the final number tonight. I already know I missed the next (small) milestone by less than $3k and it's driving me crazy lol.

[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
8/1/23:   $2.010M / 2.353M

What a couple of months!  Originally passed the mark midday on the 27th, but lost it by market close.  Definitely will stick here for a bit to see if I can hold on before officially graduating myself, but #feelsgoodman.

[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
Jul-23 nw 957 liquid  834

finally heading back in the right direction.

[pasadenafr]

Liquid Net Worth only (renter)

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
07/31/23    $1,097,939 - maxed out Mega Backdoor Roth


I'M SO CLOSE TO $1.1M IT HURTS. Still, another ATH to close the month, I'm happy to see those back in my spreadsheet :)

[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	$1,106,018.02
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

Whoa, that shot up quick!

[Turtle]

Since my original investments also finally put me in this thread, I thought it was time to add historical context.

And also, tables make it easier to compare year over year amounts.  It's wild how much I'm up already from my low point of 2022.

401K/IRA/HSA and Stock/Bond Investments only

Solo numbers for historical data
End of 2011 - $119,519
End of 2012 - $182,941
Didn't track for a few years
End of 2018 - $373,648
End of 2019 - $516,500
End of 2020 - $613,300
End of 2021 - $771,504

Table is combined inherited and earned myself.  Inherited 401k went from roughly 200K to 700K during the same time period shown above.

	2022	2023
January	-	$1,682,771
February	-	$1,651,301
March	-	$1,695,258
April	$1,616,393	$1,709,287
May	$1,620,128	$1,685,455
June	$1,502,733	$1,769,299
July	$1,609,981	$1,833,052
August	$1,553,391	-
September	$1,429,000	-
October	$1,534,000	-
November	$1,637,342	-
December	$1,567,591	-

[afuera]

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	$1,106,098
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	-

Finally a new all time high for investments.  Feels good, man.

[TempusFugit]

Congratulations @Arbitrage!  You’ve crossed the finish line by both measures.  Yes, it’s possible that the market will pull back but that’s always true.  Take the win! 

Speak well of us in the next thread.   

[afuera]

@turketron we are neck and neck in this race buddy!

[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

07/23 - $1,039,245  $1,563,212

[JupiterGreen]

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
8/1/23:   $2.010M / 2.353M

What a couple of months!  Originally passed the mark midday on the 27th, but lost it by market close.  Definitely will stick here for a bit to see if I can hold on before officially graduating myself, but #feelsgoodman.

congratulations! Happy 1-2m thread graduation, hope to see you on the other side at some point!

[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    1.138M
Aug 01 2023 - 1.231M    1.177M

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

Thanks primarily to Mr. Market, we're getting closer to the highwater mark, but still $50K to go on the TNW, $85K on the 'stache.

[JupiterGreen]

(June 2023: 1.353)
July 2023: 1.385

This past month is our highest number yet (even though we hit 1.3 briefly in December 2021). Hopefully it's a steady climb up from here on out.

[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
7/31/2023    $1,683,127.11
  [+$67,376.62]

Great month!!!

[bigote2032]

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
8/1/23:   $2.010M / 2.353M

What a couple of months!  Originally passed the mark midday on the 27th, but lost it by market close.  Definitely will stick here for a bit to see if I can hold on before officially graduating myself, but #feelsgoodman.

Congrats Arbitrage!!! What is your goal?  My bare bones FIRE number is 3 mil but aiming for 4 mil for extra safety (I live in HCOL area in Western Washington).

[Jack0Life]

DEC 31st 2023.
Wife got a job with an investment bank so I had to consolidate a few accounts.
Looking back, when we got a huge chunk of money back from a loan, we should have dump it all in Index funds but I'm too conversative. Decided to go for the guarantee >5% instead.
We are winding down. We could FIRE now but wife wants to put in another 5 yrs and hit $2 millions. She's trying to FAT FIRE I suppose.

Rental       300,000- Paid off. Zillow has this house at $345k
Primary     246,827- Valued this house at $550k(Zillow $565k). Will sell for more.
                              $550k- minus selling fee and balance owed.
Assets        60,000- 3 paid off cars. Some gold in here.
HSA           48,565
IRA-roth     134,856
IRA            93,630   
Inx funds    166,392   
401k          29,055
Wife 401k   51998   
Wife HSA    9,000   
Wifes IRA    114,807 
Cash          33,349-
Etrade        26090-
Vanguard-   326,924- We got a big chunk back from our loan this year and I decided to be conversative and put most of these in CDs because of the >5%. For now all CDs and VMFXX earning >5.2%

$1,641,864 - Net Worth.
$1,395,037 - Without primary home.
$1,001,192- INVESTED. We just cross this milestone this month dec 2023.

[JupiterGreen]

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
7/31/2023    $1,683,127.11
  [+$67,376.62]

Great month!!!

Impressive! Is this mainly stock market movement or did you throw a $hit ton of money towards it?

[Dave1442397]

It's been a good year so far. I usually check our Zillow/Redfin house estimate in July, deduct 20%, and adjust net worth accordingly. This year I added $50k.
I like to get the numbers on the 2nd of the month, after the mortgage payment and the last 401(k)/HSA deposits on the last day of the previous month.

               Investments   Net worth           Change vs prior month
01/02/23   $764,347.21    $1,040,407.31    ($41,780.31)
02/02/23   $829,535.16    $1,106,643.90    $66,236.59
03/02/23   $800,894.40    $1,079,795.16    ($26,848.74)
04/02/23   $833,019.35    $1,114,026.91    $34,231.75
05/02/23   $839,709.44    $1,127,101.51    $13,074.60
06/02/23   $864,058.79    $1,147,744.93    $20,643.42
07/02/23   $918,808.21    $1,252,912.34    $105,167.41
08/02/23   $941,287.66    $1,278,142.63    $25,230.29
                                                                $237,735.32   (YTD change)

[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
7/31/2023    $1,683,127.11
  [+$67,376.62]

Great month!!!

Impressive! Is this mainly stock market movement or did you throw a $hit ton of money towards it?

Hi Jupiter! So the big bump you see in February, is because I sold my condo after 12 years and I put all of it in VTSAX.  All my stache I am tracking is in index funds, mainly total stock and SP500.  Long story short, home ownership is not for me, I enjoy the flexibility of moving anywhere I want without thinking about it and I could have made so much more money by investing in the market instead of real estate, they really got me so grumpy with all the taxes, mortgage interest, maintenance, HOA fees and special assessments.  Hope that explains it! :)

[JupiterGreen]

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
7/31/2023    $1,683,127.11
  [+$67,376.62]

Great month!!!

Impressive! Is this mainly stock market movement or did you throw a $hit ton of money towards it?

Hi Jupiter! So the big bump you see in February, is because I sold my condo after 12 years and I put all of it in VTSAX.  All my stache I am tracking is in index funds, mainly total stock and SP500.  Long story short, home ownership is not for me, I enjoy the flexibility of moving anywhere I want without thinking about it and I could have made so much more money by investing in the market instead of real estate, they really got me so grumpy with all the taxes, mortgage interest, maintenance, HOA fees and special assessments.  Hope that explains it! :)

Yes I totally get selling the condo and being free from those headaches- hooray! That makes more sense and has really helped your numbers. Can't wait to be where you are number-wise.

[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
8/1/23:   $2.010M / 2.353M

What a couple of months!  Originally passed the mark midday on the 27th, but lost it by market close.  Definitely will stick here for a bit to see if I can hold on before officially graduating myself, but #feelsgoodman.

Congrats Arbitrage!!! What is your goal?  My bare bones FIRE number is 3 mil but aiming for 4 mil for extra safety (I live in HCOL area in Western Washington).

Thanks all.  We already dropped to coast-FIRE, now working part-time only and living where we want to…in Western WA.  Don’t have a specific number in mind before the final plug pull, but feeling much better about it happening soon than a year ago.  We’re past our 4% number, but want a bit more safety margin with potentially large kids’ dental bills and house expenses on the horizon.  As long as the part-time work remains not too objectionable, we’re ok with living well and watching the stash increase.

[cantgrowone]

We hit the $1M club last month and I just rediscovered this forum. I'm not sure if we'll make it to $2M before we decide to hang up work.

We have $1,050,000 in invested assets as of today. Fingers crossed the marked doesn't take a dip and we drop back down to the race from $500k-$1M,

[caracarn]

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
January	$-	$292,190	$304,411	$437,806	$581,831	$615,789	$767,806	$941,921	$1,151,437	$1,113,597	-
February	$-	$332,002	$331,197	$162,424	$585,663	$662,207	$735,649	$961,753	$1,139,532	$1,106,684	-
March	$-	$332,209	$331,749	$481,340	$583,773	$683,014	$683,851	$992,700	$1,192,207	$1,111,276	-
April	$-	$336,743	$260,548	$483,994	$582,862	$719,849	$734,510	$1,031,674	$1,118,869	$1,151,995	-
May	$256,131	$338,884	$373,153	$483,982	$585,929	$701,938	$760,661	$1,040,313	$1,168,159	$1,151,995	-
June	$258,642	$321,529	$377,807	$490,951	$590,577	$731,170	$777,705	$1,059,685	$1,052,751	$1,193,527	-
July	$276,381	$320,767	$414,764	$503,706	$601,024	$721,753	$819,352	$1,080,029	$1,118,581	$1,213,501	-
August	$296,700	$313,896	$405,676	$513,111	$606,442	$686,503	$860,605	$1,140,206	$1,081,266	-	-
September	$290,244	$301,079	$422,204	$525,158	$610,690	$698,968	$868,597	$1,106,086	$1,015,876	-	-
October	$274,986	$308,291	$413,967	$533,760	$585,817	$577,615	$868,808	$1,182,536	$1,065,912	-	-
November	$282,762	$308,558	$419,572	$549,074	$595,773	$620,036	$910,235	$1,155,707	$1,110,997	-	-
December	$292,942	$312,281	$431,458	$557,941	$575,877	$760,501	$940,128	$1,195,334	$1,077,252	-	-

[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
August 2023 = $1,210
September 2023 = $1,200

[afuera]

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	$1,106,098
August	$34,251	$95,245	$220,293	$353,410	$466,936	$686,631	$998,422	$912,288	$1,086,297
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	-

Investments are down about $20K despite investing an extra $4.5K.  Nothing I contribute is really going to move the needle much, I'm just riding the market waves.

[Dogastrophe]

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)
January	-	496,255	674,413	898,547	902,687
February	-	472,573	700,728	880,646	903,228
March	-	444,067	732,652	901,213	928,990
April	-	495,051	762,029	848.393	982,455
May	-	524,063	759,955	843,438	990,932
June	-	524,530	796,116	789,251	1,032,315
July	330,406	552,296	826,664	856,647	1,070,543
August	437,870	632,115	866,404	848,320	1,080,553
September	443,081	617,959	827,075	813,668	-
October	452,295	604,646	873,651	865,508	-
November	483,711	664,577	898,767	905,357	-
December	484,963	674,843	925,511	860,954	-

[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	$1,106,018.02
Sept		$116k	$178,840.37	$247,101.69	$385,572.12	$483,967.28	$653,037.25	$950,899.02	$891,457.82	$1,086,863.98
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

[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
8/1/23:   $2.010M / 2.363M
9/1/23:   $1.971M / 2.312M

Markets ruining my fun. 

[fuzzy math]

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	$1,059,239
September	$245,993	$318,301	$529,603	$815,664	$837,259	$1,057,189
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	--

[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
08/01/2023 - $1,604,500
09/01/2023 - $1,582,200

[Turtle]

401K/IRA/HSA and Stock/Bond Investments only

Solo numbers for historical data
End of 2011 - $119,519
End of 2012 - $182,941
Didn't track for a few years
End of 2018 - $373,648
End of 2019 - $516,500
End of 2020 - $613,300
End of 2021 - $771,504

Table is combined inherited and earned myself

	2022	2023
January	-	$1,682,771
February	-	$1,651,301
March	-	$1,695,258
April	$1,616,393	$1,709,287
May	$1,620,128	$1,685,455
June	$1,502,733	$1,769,299
July	$1,609,981	$1,833,052
August	$1,553,391	$1,801,133
September	$1,429,000	-
October	$1,534,000	-
November	$1,637,342	-
December	$1,567,591	-

[caracarn]

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
January	$-	$292,190	$304,411	$437,806	$581,831	$615,789	$767,806	$941,921	$1,151,437	$1,113,597	-
February	$-	$332,002	$331,197	$162,424	$585,663	$662,207	$735,649	$961,753	$1,139,532	$1,106,684	-
March	$-	$332,209	$331,749	$481,340	$583,773	$683,014	$683,851	$992,700	$1,192,207	$1,111,276	-
April	$-	$336,743	$260,548	$483,994	$582,862	$719,849	$734,510	$1,031,674	$1,118,869	$1,151,995	-
May	$256,131	$338,884	$373,153	$483,982	$585,929	$701,938	$760,661	$1,040,313	$1,168,159	$1,151,995	-
June	$258,642	$321,529	$377,807	$490,951	$590,577	$731,170	$777,705	$1,059,685	$1,052,751	$1,193,527	-
July	$276,381	$320,767	$414,764	$503,706	$601,024	$721,753	$819,352	$1,080,029	$1,118,581	$1,213,501	-
August	$296,700	$313,896	$405,676	$513,111	$606,442	$686,503	$860,605	$1,140,206	$1,081,266	$1,205,134	-
September	$290,244	$301,079	$422,204	$525,158	$610,690	$698,968	$868,597	$1,106,086	$1,015,876	-	-
October	$274,986	$308,291	$413,967	$533,760	$585,817	$577,615	$868,808	$1,182,536	$1,065,912	-	-
November	$282,762	$308,558	$419,572	$549,074	$595,773	$620,036	$910,235	$1,155,707	$1,110,997	-	-
December	$292,942	$312,281	$431,458	$557,941	$575,877	$760,501	$940,128	$1,195,334	$1,077,252	-	-

The steady plodding continues.   It's good in that it does not require a lot of mental energy, but it's bad in that I feel like I've been treading water again.   As things get volatile in my work situation again the nervousness of will I ever cross the line is very palpable.  Perhaps it's because I really am on the tipping point where the E vanishes from FIRE.  I'm not overly concerned about not being able to retire, at this point that would require a major economic catastrophe that just vaporized everything.  But between insurance rules allowing dependents to stay on my plan until 26 and housing increases in our desired target area I'm already at the end of this decade before I can probably pull the trigger.  Move the goal post about 3-5 years and I'm not longer retiring early at all.  Earlier this year it really felt like 2025 or 26 might be possible but the insurance situation (which I've been getting feedback on in other threads here) is the biggest barrier there with the housing looming a close second, however I hold out hope that 2-3 years from know things may have settled down there a bit and perhaps it would become affordable again.  It has been interesting how my mental walls keeping "panic" away have started to erode and I think it's that realization that I do not have a lot of room for error any more with my age getting up there, so each decision seems more fraught with peril.  It's not like me, I don't like it, but I'm trying to learn from it and most importantly making sure it does not devolve to the point where I actually execute a terrible financial decision (sell all stocks and stuff cash in a mattress). 

[Bateaux]

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
08/01/2023 - $1,604,500
09/01/2023 - $1,582,200

Congratulations on FIRE.

Won't be long even with FIRE that you'll be in the 2M to 4M camp. The momentum is in place.

[2Birds1Stone]

Congratulations on FIRE.

Won't be long even with FIRE that you'll be in the 2M to 4M camp. The momentum is in place.

Thank you! We'll be around the block from you (FL house) after Thanksgiving, if you're in the area and wanted to meet up for a bike ride or a coffee get in touch via PM :)

[Bateaux]

Congratulations on FIRE.

Won't be long even with FIRE that you'll be in the 2M to 4M camp. The momentum is in place.

Thank you! We'll be around the block from you (FL house) after Thanksgiving, if you're in the area and wanted to meet up for a bike ride or a coffee get in touch via PM :)

Sounds awesome.

[Zamboni]

The steady plodding continues.   It's good in that it does not require a lot of mental energy, but it's bad in that I feel like I've been treading water again.   As things get volatile in my work situation again the nervousness of will I ever cross the line is very palpable.  Perhaps it's because I really am on the tipping point where the E vanishes from FIRE.  I'm not overly concerned about not being able to retire, at this point that would require a major economic catastrophe that just vaporized everything.  But between insurance rules allowing dependents to stay on my plan until 26 and housing increases in our desired target area I'm already at the end of this decade before I can probably pull the trigger.  Move the goal post about 3-5 years and I'm not longer retiring early at all.  Earlier this year it really felt like 2025 or 26 might be possible but the insurance situation (which I've been getting feedback on in other threads here) is the biggest barrier there with the housing looming a close second, however I hold out hope that 2-3 years from know things may have settled down there a bit and perhaps it would become affordable again.  It has been interesting how my mental walls keeping "panic" away have started to erode and I think it's that realization that I do not have a lot of room for error any more with my age getting up there, so each decision seems more fraught with peril.  It's not like me, I don't like it, but I'm trying to learn from it and most importantly making sure it does not devolve to the point where I actually execute a terrible financial decision (sell all stocks and stuff cash in a mattress).

Hang in there, caracarn. I'm definitely feeling the same things. One thing I have realized is that having an older dependent (aka grown ass young man) on my health insurance does NOT mean that I am on the hook to pay his co-pays and other fees. He has very small income and no money, he tells the hospital in writing he has no money, the hospital sorts it independent of me when he ends up in the ER or has a surgery.

[Dogastrophe]

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)
January	-	496,255	674,413	898,547	902,687
February	-	472,573	700,728	880,646	903,228
March	-	444,067	732,652	901,213	928,990
April	-	495,051	762,029	848.393	982,455
May	-	524,063	759,955	843,438	990,932
June	-	524,530	796,116	789,251	1,032,315
July	330,406	552,296	826,664	856,647	1,070,543
August	437,870	632,115	866,404	848,320	1,080,553
September	443,081	617,959	827,075	813,668	1,033,191
October	452,295	604,646	873,651	865,508	-
November	483,711	664,577	898,767	905,357	-
December	484,963	674,843	925,511	860,954	-