Author Topic: Race from 10 to 100k!!  (Read 525459 times)

Hirondelle

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Re: Race from 10 to 100k!!
« Reply #2400 on: May 18, 2019, 01:27:13 PM »
@jiimmy even between '11 and '17 that's pretty awesome progress for someone claiming to gooff off and do little paid work. At this pace you'll be graduated in no time!

jiimmy

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Re: Race from 10 to 100k!!
« Reply #2401 on: May 18, 2019, 03:00:58 PM »
Welcome to the party @jiimmy . Good luck on hitting your goal of graduating by 2019!

Thank you for the warm welcome, and I see you're very close to graduating yourself, congrats! Six figures in the red to six figures in the black in just a few years is damn impressive.

jiimmy

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Re: Race from 10 to 100k!!
« Reply #2402 on: May 18, 2019, 03:13:13 PM »
@jiimmy even between '11 and '17 that's pretty awesome progress for someone claiming to gooff off and do little paid work. At this pace you'll be graduated in no time!

Thank you! I spent a few years living the RE life before actually being FI :-)

Now I'm focused on getting there for real this time. It feels great watching the NW go in the correct direction!

philli14

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Re: Race from 10 to 100k!!
« Reply #2403 on: May 18, 2019, 05:17:16 PM »
I'm a little late to the party here. Hope to graduate to the next tread by the end of 2019:

1/1/2011 $7,457.97
1/1/2012 $17,228.76
1/1/2013 $40,480.11
1/1/2014 $39,129.08
1/1/2015 $52,439.23
1/1/2016 $51,321.29
1/1/2017 $40,381.29
1/1/2018 $48,063.59
1/1/2019 $62,472.51
Today, 5/18/2019: ~80k

2013 through 2017 included a lot of goofing off and very little paid work. Grand total of $240k gross earned income from 1/1/2011 through today. Now I'm back to the 9-5 life and making some real progress!

Welcome! Based on YTD growth seems like you're right on track.

fluffmuffin

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Re: Race from 10 to 100k!!
« Reply #2404 on: May 20, 2019, 08:01:45 AM »
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21

May 20, 2019: 98,698.52

And so begins the downward turn, haha.

Good financial news: my dispute with the hospital was successful! All of the medical bills are PAID. And this is good financial news but a little more mixed on the personal side: just about everyone we've had to chase down for RSVPs for our wedding can't come. Fewer people = less money, but my fiance is pretty disappointed that some of the last-minute no folks won't be there.

UnexpectedExpenseExpector

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Re: Race from 10 to 100k!!
« Reply #2405 on: May 20, 2019, 03:11:38 PM »
Welcome to the party @jiimmy . Good luck on hitting your goal of graduating by 2019!

Thank you for the warm welcome, and I see you're very close to graduating yourself, congrats! Six figures in the red to six figures in the black in just a few years is damn impressive.

Thank you!  We are pretty excited.  So long as there are no major fireworks in the market in the next week and a half it will very likely happen this month.

Slanhirn

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Re: Race from 10 to 100k!!
« Reply #2406 on: May 24, 2019, 06:27:50 AM »
Tracking net worth.

EOY 12.2016 - (-£10,250)
EOY 12.2017 - £4,360
EOY 12.2018 - £40,620
01.2019 - £42,662 (+2,042)
02.2019 - £43,796 (+1,134)
03.2019 - £44,582 (+786)
04.2019 - £49,305 (+4,723)
05.2019 - £51,853 (+2,548)
06.2019 - £52,723 (+870)

Assets = £60,012
Student loans = (£7,289)

Hirondelle

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Re: Race from 10 to 100k!!
« Reply #2407 on: May 24, 2019, 07:07:56 AM »
Dec 2017 €14.300
June 2018 €23.300 (+9k over 6 months)
Dec 2018 €35.600 (+13.3k over 6 months)
Jan 2019 €39.000 (+3.400)
Feb 2019 €40.700 (+1.700)
Mar 2019 €42.400 (+1.700)
Apr 2019 €44.900 (+2.500)
May 2019 €46.200 (+1.300)

Double paycheck month, yet my stocks have dropped around €1000 and I prepaid €500 for work travel so it's hard to see it. €50k by next month will be pretty much impossible unless the market bounces back up like crazy, but July/Aug is still feasible!
« Last Edit: May 24, 2019, 07:10:11 AM by Hirondelle »

arob54600

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Re: Race from 10 to 100k!!
« Reply #2408 on: May 24, 2019, 08:46:51 AM »
Haven't posted in a while, still working on it!
Good luck ya'll!!

End of November 17-  41195
End of December 17-  42526
End of January 18-     47966
End of February 18-    47104
End of May 18 -          48521
End of July 18 -          53000
End of August 18-       55866
End of September 18- 57315
End of October 18-     54534
End of January 19-     57389
End of May 2019-       62331


Serendip

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Re: Race from 10 to 100k!!
« Reply #2409 on: May 25, 2019, 10:59:47 AM »
Dec '17    18,146
Jan '18     23,607
Feb '18     27,000
Mar '18     29,008
Apr '18     30,100
May '18    35,030
Jun '18     36,700
July '18    39,000
Aug '18    40,150
Sep '18    42,500
Oct '18     43,300
Nov '18    44,500
Dec '18    48,380
Jan '19     51,210
Feb '19     53,000
Mar '19     55,075
Apr '19     53,065
May '19    54,008

Feeling as if I've stalled out since January, owed a lot extra for taxes and we just found out our kitchen needs a pretty major renovation due to long-standing leak under the sink. Will keep slowly but surely plugging away!

lexde

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Re: Race from 10 to 100k!!
« Reply #2410 on: May 25, 2019, 07:56:28 PM »
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
3/15/2019: $45,689.39
3/31/2019: $48,303.11

05/25/2019: $53,145.15

It's apparently been a while since I posted, oops. I've had a lot going on, but have continued to have a steady upward trajectory so all is good.

DadJokes

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Re: Race from 10 to 100k!!
« Reply #2411 on: May 28, 2019, 07:33:32 AM »
7/1/18: 34,638
8/1/18: 37,821
9/1/18: 42,597
10/1/18: 49,642
11/1/18: 52,012
12/1/18: 56,888
1/1/19: 60,898
2/1/19: 71,099
3/1/19: 77,557
4/1/19: 80,864
5/1/19: 82,005
6/1/19: 81,469

I maxed a Roth IRA for 2019 at the beginning of the month, so of course it was a down month in the market. We also closed on a home refinance. So while the total value went down for the month, we are still better off than we were a month ago.

Be sure to update the Google doc when entering your numbers for the month!

LittleWanderer

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Re: Race from 10 to 100k!!
« Reply #2412 on: May 31, 2019, 08:15:05 AM »
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812

May 2019 - $26,575 

Darn stock market.  Let's hope for a better June!

philli14

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Re: Race from 10 to 100k!!
« Reply #2413 on: May 31, 2019, 09:12:13 AM »
1/10/18: 43,071
1/11/18: 46,223 (+3152)
1/12/18: 50,605 (+4382)
1/01/19: 57,786 (+7181)
1/02/19: 65,133 (+7347)
1/03/19: 71,695 (+6562)
1/04/19: 77,573 (+5878)
1/05/19: 86,088 (+8515)
1/06/19: 86,749 (+0661)

Well I certainly jinxed it last month.. The market completely wiped out the savings I managed to have this month. I guess in another way of looking at it, I managed to offset a tough market month through some great savings (glass half full).

Goal remains 100k before 2020.

zeli2033

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Re: Race from 10 to 100k!!
« Reply #2414 on: May 31, 2019, 09:18:24 AM »
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807 (-2234)

May was a bit spendy making some large donations and purchases in preparation for baby, and markets are doing whatever they're doing. Hoping that come this summer I can officially graduate the thread but we'll see what happens.

Imma

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Re: Race from 10 to 100k!!
« Reply #2415 on: May 31, 2019, 10:04:27 AM »
April 2019: €10094.35
May 2019:  €11629.87

Goals for 2019:
Savings: €5000
Investments: €10000

Depending on what the market is doing and how cooperative my neighbours are, I might temporarily dip under 10k next month. We need to do some yardwork and fix some fencing. The current fencing was severely damaged in a storm. We've been negotiating with both sets of neighbours for 1,5 years and I think everyone is on board with the plans now, but I'm not entirely sure they'll pay up in the end. We've decided we're going to replace it now and we no longer care whether they help out or pay.

Tass

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Re: Race from 10 to 100k!!
« Reply #2416 on: May 31, 2019, 10:47:31 AM »
Well I certainly jinxed it last month.. The market completely wiped out the savings I managed to have this month. I guess in another way of looking at it, I managed to offset a tough market month through some great savings (glass half full).

And everything you saved got to be invested for cheap!

I'm in about the same boat - I saved $1350 this month and my NW increased by $200. As long as we're still moving forward!

Jul 17$6.2k
Aug 17$6.8k
Sept 17$8.2k
Oct 17$9.0k
Nov 17$9.9k
Dec 17$11.1k
Jan 18$12.1k
Feb 18$13.6k
Mar 18$15.1k
Apr 18$16.6k
May 18$17.7k
Jun 18$18.5k
Jul 18$20.2k
Aug 18$20.8k
Sept 18$22.2k
Oct 18$21.7k
Nov 18$22.5k
Dec 18$22.4k
Jan 19$24.7k
Feb 19$27.2k
Mar 19$29.3k
Apr 19$31.3k

May 19: $31.5k

Only $315 to go to fill up my Roth!

JCGreen

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Re: Race from 10 to 100k!!
« Reply #2417 on: May 31, 2019, 05:43:46 PM »
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big. My checking account is also not included as it has money I will likely spend this month. Goal for 2019 is to make it to $45K.

Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Jan2019: $27,100 (+3140)
Feb2019:$29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)

May-$33,933 (-$26)- I put in the usual amount of money, so I guess stocks must be on sale?

Jim Fiction

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Re: Race from 10 to 100k!!
« Reply #2418 on: June 01, 2019, 07:59:20 AM »
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.

Here is a basic breakdown of the numbers as of the end of the day today:

Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131

Net Worth: $11,511

Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.

As for asset composition,  20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.

9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853

May Notes

Trimmed my expenses by $1K from last month, but the bloodbath in the markets resulted in my first negative month since last December. Ohh well.

peppermint

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Re: Race from 10 to 100k!!
« Reply #2419 on: June 01, 2019, 10:04:53 AM »
01/2018: $40796.81
02/2018: $41337.51
03/2018: $42682.42
04/2018: $46138.41
05/2018: $48761.77
06/2018: $51084.06
07/2018: $56155.54
08/2018: $55622.63
09/2018: $62036.49
10/2018: $64543.48
11/2018: $63002.61
12/2018: $65136.29
01/2019: $64776.35
02/2019: $69347.10
03/2019: $71885.58
04/2019: $74177.34
05/2019: $76475.71
06/2019: $77621.20

Net gain overall, but the market hurt me too.

Lamancha

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Re: Race from 10 to 100k!!
« Reply #2420 on: June 01, 2019, 04:53:52 PM »
Nov 2018- $23,000
Dec 2018- $26,000
Jan 2019- $29,000
Feb 2019- $36,000
March 2019- $40,000
April 2019- $43,000
May 2019- $48,000
June 2019- $54,000

zygote

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Re: Race from 10 to 100k!!
« Reply #2421 on: June 02, 2019, 10:25:19 AM »
For context: I'm 29 in a HCOL city. I'm married, but these are my own numbers since we keep our finances separate. Includes cash, retirement, and credit cards, which are used for normal expenses and paid off in full every month.

3/18: $48,533.91
4/18: $53,215.13 (+4,681.22 - extra paycheck)
5/18: $55,433.65 (+2,218.52)
6/18: $57,041.95 (+1,572.27)
7/18: $59,753.49 (+2,711.54)
8/18: $63,816.19 (+4,062.70)
9/18: $70,101.27 (+6,285.08 - extra paycheck)
10/18: $73,538.91 (+3,437.64)
11/18: $69,595.61 (-3,943.30)
12/18: $73,126.64 (+3,531.03)
1/19: $69,733.94 (-2,712.15)
2/19: $78,918.09 (+9,184.15 - extra paycheck)
3/19: $83,762.93 (+4,844.84)
4/19: $86,925.57 (+3,162.64)
5/19: $92,839.14 (+5,913.57)
6/19: $90,415.30 (-2,423.84)

I saved the normal amount this month, but got clobbered in the market. Meh. It'll go back up. I still suspect I'll hit $100k this year, fingers crossed.
« Last Edit: June 03, 2019, 10:47:29 AM by zygote »

AAM550

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Re: Race from 10 to 100k!!
« Reply #2422 on: June 02, 2019, 01:10:43 PM »
Just discovered MMM and this is my first post here. It's really inspiring seeing all the awesome stories here and the healthy mentality about money and spending. I'm not sure what the correct format for here is but i'll just go ahead and splatter all the info that seems pertinent and then update next month and refine over time.

Income - 9,648.82 ( $2430.14 from full time employment / $6618.66 from part time job / $600 in rent )
Spending - $3,028.07

Cash- $8,676.52
401(k)- $16,055.13

Mortgage - $143,320.46 at 3.25 % Interest

Please let me know if you have any tips or tweaks to help me along!

May Data

Income - $3914.39 ( $3314.39 from full time employment / $0.00 from part time job / $600 in rent )
Spending - $3,367.90 (1948.54 From Travel)

Cash- $10,784.35
401(k)- $15,805.27
State Retirement Account - $8,530.54

Mortgage - $143,589.34 at 3.25 % Interest

Total Estimated Net Worth $35,120.16


Some details that stand out from this past month. My part time job (Realtor) produced nothing this month, however I have a couple closings coming up and am well on the way to my yearly goal, so that is fine. My spending IS higher than last month, however there are a few major life expenditures that are catching me at the moment (engagement ring, travel) that actually will cost me around $4,500 over the next two months. All that to say, beyond the actual huge expense of plane tickets my daily spending habits changed from $3,028.07 to 1,419.36 in the month. There were a lot of things I spent money on that were unnecessary but I feel like I've made a HUGE step forward with this spending decrease. Oh also I discovered I had an extra retirement account with $8,530.54 in it... so that was cool :)

See y'all next month.

« Last Edit: June 02, 2019, 01:17:00 PM by AAM550 »

ItsALongStory

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Re: Race from 10 to 100k!!
« Reply #2423 on: June 02, 2019, 01:41:22 PM »
Just discovered MMM and this is my first post here. It's really inspiring seeing all the awesome stories here and the healthy mentality about money and spending. I'm not sure what the correct format for here is but i'll just go ahead and splatter all the info that seems pertinent and then update next month and refine over time.

Income - 9,648.82 ( $2430.14 from full time employment / $6618.66 from part time job / $600 in rent )
Spending - $3,028.07

Cash- $8,676.52
401(k)- $16,055.13

Mortgage - $143,320.46 at 3.25 % Interest

Please let me know if you have any tips or tweaks to help me along!

May Data

Income - $3914.39 ( $3314.39 from full time employment / $0.00 from part time job / $600 in rent )
Spending - $3,367.90 (1948.54 From Travel)

Cash- $10,784.35
401(k)- $15,805.27
State Retirement Account - $8,530.54

Mortgage - $143,589.34 at 3.25 % Interest

Total Estimated Net Worth $35,120.16


Some details that stand out from this past month. My part time job (Realtor) produced nothing this month, however I have a couple closings coming up and am well on the way to my yearly goal, so that is fine. My spending IS higher than last month, however there are a few major life expenditures that are catching me at the moment (engagement ring, travel) that actually will cost me around $4,500 over the next two months. All that to say, beyond the actual huge expense of plane tickets my daily spending habits changed from $3,028.07 to 1,419.36 in the month. There were a lot of things I spent money on that were unnecessary but I feel like I've made a HUGE step forward with this spending decrease. Oh also I discovered I had an extra retirement account with $8,530.54 in it... so that was cool :)

See y'all next month.
Odd that your mortgage balance would have gone up month over month. Might wanna double check the may number.

Sent from my Pixel 2 XL using Tapatalk


haypug16

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Re: Race from 10 to 100k!!
« Reply #2424 on: June 02, 2019, 02:29:42 PM »
May 2019 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
4/30/2019 $19,835.78
5/31/2019 $29,498.65 +9,662.87 increase

June will most likely show a decrease unless the market makes up for the lack of income this month. I'll be heading back to work mid July and I'll be happy to see money coming in and going towards my 401k.

vertkurt

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Re: Race from 10 to 100k!!
« Reply #2425 on: June 02, 2019, 06:45:18 PM »
1/1/18= 14,705
2/1/18= 18,264
3/1/18= 21,225
4/1/18= 22,741
5/1/18= 26,020
6/1/18= 28,987
7/1/18= 31,457
8/1/18= 34,642
9/1/18= 37,413
10/1/18= 41,426
11/1/18= 37,475
12/1/18= 44,300
1/1/19= 46,862
2/1/19= 53,310
3/1/19 = 59,800
4/1/19 = 63,705
5/1/19= 70,328
6/1/19= 70,187

Sugaree

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Re: Race from 10 to 100k!!
« Reply #2426 on: June 03, 2019, 04:56:09 AM »
5/1/2015   $4419.53
5/1/2016   15689.46 
5/1/2017   34125.20
5/1/2018   51663.60 
5/1/2019   64340.45
6/3/2019   64940.28



Not a great month.  The only thing that kept me moving in the positive direction was making some larger-than-minimum payments on a loan.  Retirement accounts did go down about $150, but I'm not worried about those yet.

Old Ball Coach

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Re: Race from 10 to 100k!!
« Reply #2427 on: June 03, 2019, 06:42:48 AM »
his includes all our retirement and personal accounts for assets. It includes our credit cards, student loan, and mortgage for liabilities. It DOES NOT include our home value.

April 2018 - $52,917.42
May 2018  - $58,400.19
June 2018 - $59,686.34
July 2018  - $65,798.53
Aug 2018 - $72,231.70
Sept 2018 - $76,755.71
Oct 2018 -  $64,348.89
Nov 2018 - $70,839.76
Dec 2018 - $58,351.73
Jan 2019 - $78,256.31
Feb 2019 - $87,795.97
Mar 2019 - $67,121.29
Apr 2019 - $75,155.85
May 2019 - $63,243.68

Ouch. Really tough month in the market. Also a pretty substantial medical bill I am paying.

Oh well, just keep putting money away..

bcbaseballman

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Re: Race from 10 to 100k!!
« Reply #2428 on: June 03, 2019, 07:33:10 AM »

2018
1/31 : (5949.05)
2/28 : (5288.30)
3/31 : (4273.93)
4/30 : (2592.07)
5/31 : (629.70)
6/30 : 1,206.77
7/31 : 2,703.97
8/31: 5,651.70
9/31: 8,039.01
10/31: 7,803.49
11/30: 9,531.28
12/31: 9,296.79

2019
1/31/19: 13,493.35
2/28/2019: 15,766.50
3/31/2019: 19,286
4/30/2019: 19,283


5/31/2019: 18,676

Same as many of you other guys markets hurt my networth but still invested and bought some more shares. I did pay off almost 1,500 worth of debt thought so that is good.

paulkots

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Re: Race from 10 to 100k!!
« Reply #2429 on: June 04, 2019, 05:59:52 AM »
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
03/25/19: $63,325.75
04/24/19: $65,022.87

Didn't have much expenses this month so I booked future planned trips, hotels, tickets and entertainment since the CC was lower than usual.

06/04/19: $63,056.67

Did a Memorial Day roadtrip. Bought some parts for project car and also finished buying all the parts for 100k mile maintenance on my daily. Expenses were up for wine/food/going out. Also bought camping gear for my upcoming July roadtrip. Quarterly taxes were also paid.

Optimiser

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Re: Race from 10 to 100k!!
« Reply #2430 on: June 04, 2019, 09:14:33 AM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.
« Last Edit: June 04, 2019, 09:20:18 AM by Optimiser »

catorbe

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Re: Race from 10 to 100k!!
« Reply #2431 on: June 04, 2019, 09:46:15 AM »
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.


3/20/19: $26,600.

If all goes well i'll be at $30k by Mid May.

 On 5/15/19 I will undoubtedly be over 30k (closer to $31-32k) and should continue going up from there!

Well 5/15/19 put me just barely over, and then life continues and the market didn't help me so I went back under. Got paid again at end of month and now with most bills settling in the last 2 days I'm strong set at $30,500 with no large anticipated expenses prior to more paychecks coming in. Given today is looking good >+1% to market. I'm thinking we'll be just fine to staying >30,000!

philli14

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Re: Race from 10 to 100k!!
« Reply #2432 on: June 04, 2019, 01:32:30 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

Tass

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Re: Race from 10 to 100k!!
« Reply #2433 on: June 04, 2019, 07:33:26 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.

philli14

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Re: Race from 10 to 100k!!
« Reply #2434 on: June 04, 2019, 08:10:54 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.

Didn't consider that.. That makes perfect sense. Thanks @Tass

Cezil

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Re: Race from 10 to 100k!!
« Reply #2435 on: June 05, 2019, 09:52:47 AM »
Quote
Dec-2016: $32,870.70
Dec-2017: $58,271.55   (+ 25,400.85)
Dec-2018: $72,493.16   (+ 14,221.61)

Jan-2019:    $81,866.77  (+ 9,373.61)
Feb-2019:   $87,222.31  (+ 5,355.54)
Mar-2019:   $88,865.95 (+ 1,643.64)
Apr-2019:   $93,050.94  (+ 4,184.99)


May-2019:  $91,719.70  ( - $1,331.24)

Consistent 401k + HSA contributions + an extra paycheck this month, and market decline, hence the drop.  Things were bought on sale.  I'm not worried.  I'm still aiming for an August graduation.. :)

Optimiser

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Re: Race from 10 to 100k!!
« Reply #2436 on: June 05, 2019, 02:22:03 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.

This is correct. My investments themselves were only down 4.5%, but my net worth is lower than my investment balance because of student loans.

benoitor

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Re: Race from 10 to 100k!!
« Reply #2437 on: June 07, 2019, 02:49:03 AM »
Quote
Dec 2017 €14.300
June 2018 €23.300 (+9k over 6 months)
Dec 2018 €35.600 (+13.3k over 6 months)
Jan 2019 €39.000 (+3.400)
Feb 2019 €40.700 (+1.700)
Mar 2019 €42.400 (+1.700)
Apr 2019 €44.900 (+2.500)
May 2019 €46.200 (+1.300)

Glad to see some fellow Europeans here! (French as well maybe?)
FIRE can be quite depressing if you start to compare yourself with North American workers.

Anyway, joining the race!
Here are my numbers:
03-18: 30 951€
04-18: 31 766€ (+800)
05-18: 32 733€ (+960)
06-18: 34 641€ (+1900)
07-18: 35 969€ (+1300)
08-18: 36 980€ (+1000)
09-18: 37 257€  (+270)
10-18: 38 076€ (+820)
11-18: 40 317€ (+2200)
12-18: 40 646€ (+320)

01-19: 42 955€ (+2300)
02-19: 44 430€ (+1470)
03-19: 46 932€ (+2500)
04-19: 51 394€ (+4460)
05-19: 58 045€ (+6600)
06-19: 59 370€ (+1300)


This 2019 year has started very nicely, with a good bonus in March and May.
Hoping to do as good the rest of the year!
« Last Edit: June 07, 2019, 02:54:15 AM by benoitor »

lexde

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Re: Race from 10 to 100k!!
« Reply #2438 on: June 07, 2019, 11:10:52 AM »
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
3/15/2019: $45,689.39
3/31/2019: $48,303.11
05/25/2019: $53,145.15

06/07/2019: $54,674.68



Big purchase last month kept my NW from jumping but I’m back on track and ready for the gains!

Only up about $15.5k this year so far so I need to flip it onto high gear and hope for some market gains to make my goals for 2019. I’ve got this, though. Increased my contributions from $400 (rIRA) to $400 + $400 (taxable) since I’m not eligible for a 401k at this job yet. Doing what I can for now.
« Last Edit: June 08, 2019, 06:18:40 AM by lexde »

vertkurt

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Re: Race from 10 to 100k!!
« Reply #2439 on: June 07, 2019, 08:06:37 PM »
^
Been reading through everyone's progress for May and most of us didn't go anywhere because of the market drop, so don't feel bad.

Nederstash

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Re: Race from 10 to 100k!!
« Reply #2440 on: June 08, 2019, 06:50:36 AM »
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan 19: 88673
Feb 19: 90575
Mar 19: 91673
Apr 19: 93802
May 19: 95808
Jun 19: 97470

I should have been able to bank more, seeing as I had my holiday bonus. Truth is, I had a horrible few weeks personally - I've been out sick for 7 weeks now. So I had some fun with my bonus. Mind, I'd already allocated my bonus, I was going to divide it between a small extra mortgage payments and a big portion investing. Instead I gave up control and let it hang loose. I've been doing some retail therapy... new phone, vacuum, sun screen for my living room... it was 'necessary' in the sense that my old phone was broken and the screen and vacuum were near breaking. But I did buy the nicer, more expensive version than I normally would have. Hellooo Dyson stick vacuum. I did order a lot of food instead of cooking. Also on the list: 600 in donations and gifts. Not necessary... but damn it felt nice.
 
Still ahead, but significantly less than I wanted to be. I could've been over 99k now. To curb my spending, I did make an extra mortgage payment of 2500. Far from a perfect month, but whatever.
 
Gonna pat myself on the back because: 1) I have saved diligently for years so I can blow 2k and still come out ahead. 2) my frugality muscle is so well trained that I 'splurged' on items that I truly needed to replace, just got the nicer version, so that's only a small face punch. Yes, yes, punch me for ordering food, I deserve that. 3) Splurged with donations, also still did an extra mortgage payment. Can't face punch myself for that. 4) I let go of control of my spending in a miserable month, don't really beat myself up about it.
 
Sorry for rambling... point is: it'll be fine, it was refreshing to give up control.

Imma

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Re: Race from 10 to 100k!!
« Reply #2441 on: June 08, 2019, 08:25:41 AM »
All in all you're still doing well @Nederstash and you'll be at 100k soon enough. Imo a Dyson is truly worth the money - I think it's the most expensive appliance in my house and one of the few I bought new but I've had it for 4 years now and it's still just as good as the first time I used IT. Usually vacuums become less powerful over time. I expect it to last a lot more years.

eav

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Re: Race from 10 to 100k!!
« Reply #2442 on: June 09, 2019, 08:13:01 PM »
Finally joining this race!
25F

June '19: $52,951

Here we goooooo!

haypug16

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Re: Race from 10 to 100k!!
« Reply #2443 on: June 10, 2019, 07:44:28 AM »
*Revised May 2019 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
4/30/2019 $19,835.78
5/31/2019 $21,498.65 (+1,662.87 increase)

Typo in one of my asset accounts. I knew my original number was too good to be true.

M5

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Re: Race from 10 to 100k!!
« Reply #2444 on: June 10, 2019, 11:22:25 AM »
4/13/18: $14,324.67
12/27/18: $20,377.45
2/6/19: $27,927.20
3/1/19: $33,596.07
4/3/19: $57,285.55
5/7/19: $61,326.50

6/10/19: $62,992.97

UnexpectedExpenseExpector

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Re: Race from 10 to 100k!!
« Reply #2445 on: June 10, 2019, 03:09:44 PM »
Here's the June update for the unexpected expense expector household:

2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84

2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)

A decent gain considering the overall market in May.  I also updated the spreadsheet.

FIRE_guy

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Re: Race from 10 to 100k!!
« Reply #2446 on: June 11, 2019, 01:12:01 AM »
Here's the June update for the unexpected expense expector household:

2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84

2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)

A decent gain considering the overall market in May.  I also updated the spreadsheet.
Wow - a 18k swing since January?

UnexpectedExpenseExpector

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Re: Race from 10 to 100k!!
« Reply #2447 on: June 12, 2019, 03:14:19 PM »
Here's the June update for the unexpected expense expector household:

2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84

2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)

A decent gain considering the overall market in May.  I also updated the spreadsheet.
Wow - a 18k swing since January?

Yup! A big part of that is that we've paid off just shy of 20k in student loan debt since January (the last 3,888.78 will be gone soon).  And we've still been pushing some into tax advantaged accounts so that's helped slow down the decrease from the market correction.  It helps to have a wife who shares my frugality, a big income, and a high savings rate.


catorbe

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Re: Race from 10 to 100k!!
« Reply #2448 on: June 13, 2019, 11:12:27 PM »
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.

With my paycheck tomorrow and the recent gains in market i'm around 32650 after a few minor expenses are paid out in the next few days. So 4 months since 25k and i'm at 32650. A change of 7650 / 4 is about 1912 a month.

adamsputnik

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Re: Race from 10 to 100k!!
« Reply #2449 on: June 14, 2019, 06:39:27 PM »
1/18/18 - 18,350.00
3/15/18 - 20,267.70
5/17/18 - 19,930.00
8/31/18 - 25,908.00
9/21/18 - 28,115.00
11/30/18 - 29,835.00
12/14/18 - 30,879.00
12/31/18 - 30,072.00
1/15/19 - 32,774.00
1/31/19 - 34,776.00
3/13/19 - 36,967.00
4/5/19 - 39,465.00
5/3/19 - 41,790.00
6/7/19 - 44,852.00

Three paycheck month last month helped a bit, and the 401k contributions are really starting to have an impact.