Race from 10 to 100k!!

[shrimpwd]

                  401K   NW
1-1-2018     6455   24k
12-1-2018   9518   37k
4-1-2019    10960  49k
11-6-2019   13466  53k -start of race
12-29-19     14460   56k
2-02-20       14991  57k

I'm really upset that I didn't hit 15k with the minor dip in the market. So close... I'll be nearing 16k by the end of the month, though.

3-01-20       14632   58k

Yeah, so about that "nearly 16k"... Ah, well, at least the NW is growing and the dollars being invested are buying more?

[bcbaseballman]

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
6/30/2019 :22,362
7/31/2019: 24,646
8/30/2019: $27,199
9/31/2019: $30,664
10/31/2019: $33,343
11/30/2019: $35,249
12/31/2019: $39,079

2020
1/31/2020: $44,514

2/29/2020: $48,891

Just like everyone else market was terrible but I did put a good chunk on my student loans. I also got a much larger than expected tax refund (I know not good). So need to get those readjusted for this year.

[coldestcat]

6/1/19-      0
7/17/19-    4,199.61
9/3/19-    15,357.17
10/1/19-   15,636.38
11/1/19-   20,938.14
12/2/19-   32,158.59
1/2/19-     35,133.82
2/1/20-     45,466.38
3/2/20-     46,715.41

Feeling the market like everyone else. This is the first time my wife and I have had enough in investments to feel it. So it feels bad, but is also good to at lease be able to be in the game.

[haypug16]

February 2020 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
6/30/2019 $17,825.45
7/31/2019 $19,232.60
8/31/2019 $18,295.57
9/30/2019 $20,402.75
10/31/2019 $24,417.80
11/30/2019 $29,601.50
12/31/2019 $36,186.69
1/31/2020 $37,375.31
2/29/2020 $33,536.65 -$3,838.66 decrease

I hate seeing a decrease but it was all market related and not debt related so not so bad. Hopefully getting my bonus this month and will get back up to were I was (and beyond)

[eav]

Transferred last month's RSU's in to max my 2020 Roth IRA to buy the dip (most left uninvested). This month was bonus month paid out in company stock as well.

June 2019: $52,951
July 2019: $55,573
August 2019: $57,409
September 2019: $58,726
October 2019: $61,206
November 2019: $64,509
January 2020: 69,751
February 2020: 76,776
March 2020: $81,737

[Rosy]

Goal: $100K by Dec 31, 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018

$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 56,000 Feb 2020

$58,3K - March 2020

Over $8K in the first quarter of 2020 - sweet:). Hoping to hit $60K in April ...

[YarnBudget]

I've been lurking on these boards for ages, then finally made an account and continued to lurk because for some reason I'm really shy on the internet. But I've followed this board over the past little while and found it super motivating, and want to finally throw my hat into the race!

I've been calculating my net worth for the past few years, but didn't start keeping a record of it until EOY 2019, so that's when I'll start my list:

Net Worth
Dec 2019 = $32,211.58
Jan 2020 = $33,874.65 (+ $1,663.07)
Feb 2020 = $36,738.94 (+ $2,864.29)

The market correction brought me down from a mid-month high of $44k, which is pretty disappointing, but I was glad to see I contributed enough (by throwing a small windfall at my student loans) to still gain over $2k this month.

2020 savings goals:
$8000 / $21,100 to student loans
$1725.59 / $12,800 to investments
$9725.59 / $33,900 total

If I can hit these savings goals I will end the year at $66k even if the market stays flat. (This is assuming I will get bumped up to full time in July, as I have been promised, but will know for sure in June. Fingers crossed, because I really like this place and want to be able to afford to stay...)

[Trifle]

I've been lurking on these boards for ages, then finally made an account and continued to lurk because for some reason I'm really shy on the internet. But I've followed this board over the past little while and found it super motivating, and want to finally throw my hat into the race!

Welcome!

[slowstart]

Though it was all paper losses it still hurts ):
On a positive note: contributed to a Roth for the first time with my tax refund!

Dec 2019: 64,220.99
Jan 2020: 67,932.57
Feb 2020: 80,369.63
Mar 2020: 80,329.80 <- deceiving as my contributions mask the losses.

Got a boost from employer 401k match!

Dec 2019: 64,220.99 {Brokerage: 5638.78, 401k: 51229.12, HSA: 7353.09}
Jan 2020: 67,932.57 {Brokerage: 6346.52, 401k: 53838.55, HSA: 7747.50}
Feb 2020: 80,369.63 {Brokerage: 8930.47, 401k: 63487.95, HSA: 7951.21}

[kaposzta]

July 12, 2019: $66,565
Aug 1, 2019: $68,207 (+2.47%, +$1,642)
Aug 29, 2019: $69,931 (+2.53%, +$1,724)
Sept 29, 2019: $71,138 (+1.73%, +$1,207)
Oct 31, 2019: $71,517 (+0.53%, +$379)
Nov 29, 2019: $73,138 (+2.27%, +$1,621)
Jan 01, 2020: $74,276 (+1.56%, +$1,138)
Feb 06, 2020: $73,621 (-0.88%, -$655)
Mar 05, 2020: $74,517 (+1.22%, +$896)

Since 5th March my investments took a dive (one ETF -26%), so my current net worth is around $68k.
I'm not concerned at all, as I expect this situation is temporary. I even bought more from that ETF.

[lexde]

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
06/21/2019: $57,532.15
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16
02/16/2020: $80,269.73
02/28/2020: $77,245.88

03/13/2020: $70,222.54 (-$7,023.34)

I drafted up a written investment plan on the 10th and am so glad I did. I’m holding my ground and continuing to invest as normal, with a small exception that I’m focusing on building back my eFund in a HYSA. I’m at 4 months of expenses and would like to have 6 as a minimum, so an extra $1.15k was left in cash while I continued to max my retirement accounts ($1.13k between 401k/IRA/HSA as 1/26th the max since I’m paid 26x per year).

[JCGreen]

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 2020 is to make it to $75K.

Net worth:
2017:
Dec2017:$7800
2018
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
2019
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019: $33,933 (-$26)
Jun2019: $37,928 (+3995)
Jul2019: $39,736 (+1808)
Aug2019: $39,918 (+182)
Sep2019: $34,179 (-5739)
Oct2019: $38,091 (+3912)
Nov2019: $39,867 (+1776)
Dec2019: $43836 (+$3968)
2020
Jan2020:$ 45,839 (+$2003)

Feburary: $43,345 (-$2494) This is from Feb 1st, but I forgot to update then, I am sure it looks worse right now.

[Manchester]

I reckon this thread might go very quiet over the next few months.  :')


Keep going people!  When the going gets tough, the tough get going.  No panic selling, stick to your plans and we'll all reap the rewards!

[Treedream]

Only 8 days to go and I can buy some more stocks on sale! I am not too bothered by the losses, as I am only just starting the accumulation phase. I can buy more numbers this month than normal, that is what I am focusing on.

[jojoguy]

I reckon this thread might go very quiet over the next few months.  :')


Keep going people!  When the going gets tough, the tough get going.  No panic selling, stick to your plans and we'll all reap the rewards!

Absolutely! We have probably lost over $50k(I haven`t looked) over the last month, but we are still buying in! VTSAX is now at $58 a share and down from the almost $84 a month ago.
Now, I am using more trepidation when buying it though. I am buying at steps instead of just throwing a huge amount into it at once. I did that a few weeks ago
and I regret it. Unless a vaccine is truly produced shortly or the virus isolation works wonders, the stock market will keep dropping for a while. I`m not timing the market,
but I am easing my way slowly into this drop with my independent buys. Our 401K and HSA contributions are not changing though. It`ll be hard enough to max contributions
as it is, and the tax deductions are astounding!

[An Unassuming Moose]

Nov 20, 2019 -- $113,800
January 15, 2020 -- $120,900
February 15, 2020 -- $136,916
March 17, 2020 -- $65,556

Welp, into this race now.
Careful kids, leveraging can be dangerous.

[Evasion]

20 Dec 18 - 37,800
Mid March 2019 - 45,815
20 June 2019 - 50,890
Mid September 2019 - 57,608
15 October 2019 - 58,927
15 November 2019 - 64,594
15 December 2019 - 65,794
15 January 2020 - 69,388
1 February 2020 - 74,415
15 February 2020 - 76,452
1 March 2020 - 72,765
18 March 2020 - 68,436

My investments are way down but I got a fair bit of cash at the moment, so buying a LOT of stocks on sale. Quite excited to think how big it will be when it gets back out, plus better P/E ratios.
Graduation will have to wait longer with a headwind but I have faith in the future as I got a significant pay increase recently.

[Hirondelle]

Late update but I thought if I'm there in good times, I should also update my spreadsheet in bad times.
Dec 2017 €14.300
June 2018 €23.300 (+9k over 6 months)
Dec 2018 €35.600 (+13.3k over 6 months)
June 2019 €48.000 (+12.4k over 6 months)
Dec 2019 €61.500 (+13.5k over 6 months)
Jan 2020 €64.000 (+2.500)
Feb 2020 €59.100 (-4.900)

Note; this was the first week of March when I updated, so I'm much further down right now. March 2020 update is gonna be fun.

[Manchester]

My monthly update: 

Net Worth is down £3,230.62 to £27,055.38.

This is my first market crash since I've started my path to FI and I'm trying to follow all the advice from the community.  Absolutely no panicking, no stress, just investing as much spare cash as I can.  I've put loads in this month and my ISA is actually £700 down from last month including these investments.  I've got a really healthy EF to fall back on if SHTF.

[Manchester]

Nov 20, 2019 -- $113,800
January 15, 2020 -- $120,900
February 15, 2020 -- $136,916
March 17, 2020 -- $65,556

Welp, into this race now.
Careful kids, leveraging can be dangerous.

Wow, that's a drop and a half...  As a fellow 26 year old, you've got plenty of time to recover! ;)

[Manchester]

I reckon this thread might go very quiet over the next few months.  :')


Keep going people!  When the going gets tough, the tough get going.  No panic selling, stick to your plans and we'll all reap the rewards!

Absolutely! We have probably lost over $50k(I haven`t looked) over the last month, but we are still buying in! VTSAX is now at $58 a share and down from the almost $84 a month ago.
Now, I am using more trepidation when buying it though. I am buying at steps instead of just throwing a huge amount into it at once. I did that a few weeks ago
and I regret it. Unless a vaccine is truly produced shortly or the virus isolation works wonders, the stock market will keep dropping for a while. I`m not timing the market,
but I am easing my way slowly into this drop with my independent buys. Our 401K and HSA contributions are not changing though. It`ll be hard enough to max contributions
as it is, and the tax deductions are astounding!

Sounds like you're taking advantage of the situation which is great.  I'm in a perfect position for a market crash.  I'm 26, no dependents, stable job etc...

Trying to put as much in my ISA as I can before the end of the month when the tax year changes in the UK.  I think I could potentially max it out next year so every penny I put in now helps.  Couldn't really have timed this outbreak any better!

Hope you and everyone else on this board is staying safe :)

[Serendip]

Dec '17    18,146
Jan '18     23,607

Dec '18    48,380
Jan '19     51,210
Feb '19     53,000
Mar '19     55,075
Apr '19     53,065
May '19    54,008
June '19   56,272
July '19    57,022
Aug '19    59,005
Sept '19   61,160
Oct '19     62,060
Nov '19    64,246
Dec '19    60,746
Jan '20     63,186
Feb '20     63,350
Mar '20     62,760

*lost my employment so will be drawing upon this in the months to come (6,000 EF in a TFSA)

[Rosy]

Goal: $100K by Dec 31, 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018

$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 56,000 Feb 2020

Update - $58K Mar 2020
Projected for April - $60K ~

I am not expecting any losses only continued gains/interest for another 16 months.
This is all nothing but a cash cushion, in various CDs or savings accounts for just such an emergency as we are currently facing.
Meanwhile, Mr. R's portfolio is taking a severe beating - not what you hope for when you planned to retire in three years.

[Manchester]

*lost my employment so will be drawing upon this in the months to come (6,000 EF in a TFSA)

Sorry to hear that.  Well done for accumulating a significant EF.  Good luck in your search for a new job.

[Manchester]

Goal: $100K by Dec 31, 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018

$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 56,000 Feb 2020

Update - $58K Mar 2020
Projected for April - $60K ~

I am not expecting any losses only continued gains/interest for another 16 months.
This is all nothing but a cash cushion, in various CDs or savings accounts for just such an emergency as we are currently facing.
Meanwhile, Mr. R's portfolio is taking a severe beating - not what you hope for when you planned to retire in three years.

So you're holding all this money in cash?  If you don't mind me probing, why do you need such a high cash buffer?  Surely now is a brilliant time to use some of this cash to buy stocks on the cheap?

Apologies if that sounds judgemental, I'm just intrigued.

[Dave15]

25-6-2018            € 29.879,12 ------> Started Tracking
25-7-2018            € 30.749,12
25-8-2018            € 31.993,17
25-9-2018            € 33.185,00 ------> Found MMM
25-10-2018          € 34.433,66
25-11-2018          € 35.556,00
25-12-2018          € 41.939,62
25-1-2019            € 42.082,47
25-2-2019            € 44.338,00
25-3-2019            € 46.218,65
25-4-2019            € 47.829,00
03-6-2019            € 49.478,00
05-7-2019            € 52.722,00
25-7-2019            € 54.736,00
31-8-2019            € 56.431,00
01-10-2019          € 58.445,00
06-11-2019          € 60.308,00
06-12-2019          € 61.808,00
26-12-2019          € 64.000,00
03-02-2020          € 72.170,00
28-02-2020          € 74.154,00
25-03-2020          € 71.579,00

Aaaaaand it's gone! My first market crash, and similarly telling how cash heavy I currently am. Investments are down roughly 24% and I feel guilty of market timing because I dumped excess cash, "earmarked for DCA anyway" I remember thinking, into the market at once. I did this three times and all above the current market price haha. Next month's objective is just to only invest at the regular, automated, intervals.

Just ten days before Corona really broke down I flew back from a weeklong hiking trip in Spain's Basque country. Having walked on the old Camino de Santiago trail between the French border and the town of Guernica. Even though my feet are still recovering from blisters and it rained every day it was dangerously addictive, allround gorgeous and suprisingly cheap. Lucky timing there, currently on social distancing only, but a lock-down might still happen.

[Hirondelle]

And yet another sharp dip this month.

Dec 2017 €14.300
June 2018 €23.300 (+9k over 6 months)
Dec 2018 €35.600 (+13.3k over 6 months)
June 2019 €48.000 (+12.4k over 6 months)
Dec 2019 €61.500 (+13.5k over 6 months)
Jan 2020 €64.000 (+2.500)
Feb 2020 €59.100 (-4.900)
Mar 2020 €53.900 (-5.200)

[Slanhirn]

Tracking net worth.

EOY 12.2016 - (-£10,250)
EOY 12.2017 - £4,360
EOY 12.2018 - £40,620
EOY 12.2019 - £62,523
01.2020 - £64,537 (+2,314)
02.2020 - £65,716 (+1,179)
03.2020 - £66,908 (+1,192)
04.2020 = £67,146 (+238)

Assets = £70,570
Student loans = (£3,424)

Net worth this month went up slightly which is pretty amazing as most of my investments tanked big time... Still I'm in it for the long haul like everyone else so just waiting for the market rise again.

[JCGreen]

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 2020 is to make it to $75K.

Net worth:
2017:
Dec2017:$7800
2018
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
2019
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019: $33,933 (-$26)
Jun2019: $37,928 (+3995)
Jul2019: $39,736 (+1808)
Aug2019: $39,918 (+182)
Sep2019: $34,179 (-5739)
Oct2019: $38,091 (+3912)
Nov2019: $39,867 (+1776)
Dec2019: $43836 (+$3968)
2020
Jan2020:$ 45,839 (+$2003)
Feb2020: $43,345 (-$2494)

Mar2020:$39,081.45 (-$4264)- Shit-another month down. I was so happy to get out of the 30k's and now I am back again. I added money to the market, and didn't take on any debt. At least I am early enough in my savings that this dip isn't hitting too hard.

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-    137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+675,56 €)

01/04/2020: 15.456,74 € (+417,65 €)

Overall savings still outweighed losses due to the current crisis, but NW growth really slowed down. My budgeting app says I saved 1.355,94 € this month. Increased my monthly contributions to ETF-savings plan to make use of the market dip. I don't believe it has reached bottom yet, but since I'm not confident in being able to call when that might be I'll just stick to my bi-monthly automated plan. Luckily job is really secure for now, but any raises which were kind of overdue are probably out of the question for the near-/midterm.

[shrimpwd]

                  401K   NW
1-1-2018     6455   24k
12-1-2018   9518   37k
4-1-2019    10960  49k
11-6-2019   13466  53k -start of race
12-29-19     14460   56k
2-02-20       14991  57k
3-01-20       14632   58k

4-01-20       13884   58k

Hanging in there... I've lost about 20% YTD, but I've been throwing close to 50% income into investments. I know I'll appreciate that in a year or two. I can keep it going for another 3-6 months without negative impact on my E-fund.
I'll lower contributions once my E-fund hits a certain point (4 months normal spend) or the discounted stocks are no longer available.
I've been working on a long-term plan for when my investments are about 20x what they are, based on my risk tolerance this time through. I just wish I had a bit extra to throw in right now...

[Optimiser]

Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
Jun 2019 $11,500
Jul 2019 $17,000
Aug 2019 $19,900
Sep 2019 $19,900
Oct 2019 $26,200
Nov 2019 $34,500
Dec 2019 $37,200
Jan 2020 $43,700

Feb 2020 $45,400

Got a big tax refund, Corona virus has tanked the market, and I paid a bunch in closing costs to refi my house. Moving forward I'll be saving a bunch on interest every month. I'm surprised to see things still going up this month, all things considered.

Mar 2020 $45,300

Turns out the coronavirus was not done with the markets. I ended up cancelling my refinance right at the end of my rescission period and locked in an even lower rate. So I got my closing costs back on the old refinance ($3800), but haven't had to pay closing costs on the new refinance yet. I'll be paying those hopefully sometime in April, but also getting a stimulus check so that should those should almost cancel each other out. Who knows where the market will be in a month.

Editing to add: I noticed that in spite of this market volatility I am up over 30K compared to one year ago. How cool is that?!

[Imma]

April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October: €11128.59
November: €11227,46
December: €11991,27
January: €12576,72
February: €11904,39
March: €10425,32

Goals for 2020:
Savings: €5250
Investments: €14750

Actually not as bad as I thought it would be!

[BobTheBuilder]

Dec 2019: 20,584
Jan 2020: 22,623
Feb 2020: 24,803
Mar 2020: 23,369

For a portfolio of 27k at the end of February, I'd say I am doing ok.

[CrabboStache]

Looks like I missed last quarter's update, I bolded the one I appear to have missed & the newest update.

4/1/18 - 8,288.95
11/14/18 - 17,977.82
3/30/19 - 24,649.79
7/1/19 - 29,604.18
10/1/19 - 31,878.15
1/1/20 - 36,198.66
4/1/20 - 35,304.66

Bit of a bummer having my first decrease in a quarter, but still chugging along. Throwing as much money into the market as I can, not upset about my net worth still being 10K higher than it was at this time last year. It's a slow race for me. :)

[Tasse]

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
Jun 19	$33.3k
Jul 19	$35.1k
Aug 19	$36.7k
Sep 19	$38.6k
Oct 19	$40.2k
Nov 19	$42.6k
Dec 19	$44.6k
Jan 20	$49.0k
Feb 20	$46.5k

Mar 20: $42.7k

No one ever said this road wouldn’t have some speed bumps.

[JAYSLOL]

Sept 1 - 101.6k
Oct 1 - 106.2k (+4,600)
Nov 1 - 108.8k (+2,600)
Dec 1 - 111.7 (+2,900)
Jan 1 - 113.0 (+1,300)
Feb 1 - 115.1 (+2,100)
Mar 1 - 110.4 (-4,700)
Apr 1 - 98.6 (-11,800)

Well, hello old friends.  Mind if I join you for a month or 2? 

[Sugaree]

5/1/2015     $4,419.53
5/1/2016     $15,689.46
5/1/2017     $34,125.20
5/1/2018     $51,663.60

5/1/2019     $64,340.45
6/3/2019     $64,940.28   (+$ 599.83  or  +0.93%)
7/1/2019     $70,156.02   (+$5215.74 or  +8.03%)
8/1/2019     $74,255.95   (+$4146.62 or  +5.91%)
9/1/2019     $74,328.43   (+$    25.79 or  +0.03%)
10/1/2019   $78,067.76   (+$3739.33  or  +5.03%)
11/1/2019   $81,247.16   (+$3206.40  or  +4.11%)
12/2/2019   $88,148.59   (+$6874.43  or  +8.46%)

1/2/2020     $90,835.16   (+$2686.57  or  +3.05%)
2/3/2020     $93,896.81   (+$2968.79  or  +3.26%)
3/2/2020     $100,165.23 (+$6268.42  or   +6.68%)
4/1/2020     $94,297.23   (-$5868.00   or   -5.86%)


I've really been avoiding checking my portfolio for the last couple of weeks, so this isn't quite as bad as I was expecting it to be.

[YarnBudget]

Net Worth
Dec 2019 = $32,211.58
Jan 2020 = $33,874.65 (+ $1,663.07)
Feb 2020 = $36,738.94 (+ $2,864.29)
Mar 2020 = $31,221.02 (- $5,517.92)

Ouch.

2020 savings goals:
$9,000.00 / $21,200 to student loans
$3,207.54 / $12,800 to investments
$12,207.54 / $34,000 total

[Evasion]

20 Dec 18 - 37,800
Mid March 2019 - 45,815
20 June 2019 - 50,890
Mid September 2019 - 57,608
15 December 2019 - 65,794
15 January 2020 - 69,388
15 February 2020 - 76,452
1 March 2020 - 72,765
18 March 2020 - 68,436
1 April 2020 - 71,465

Back up, onwards! Buying all the way down started paying off with the market bounce. I still have a job, and saving a lot. It's all about being greedy when others are fearful now. Hoping I can keep the job, stay frugal, and get ahead. Good to be back in black in most places. Expecting a big quarterly 401k that should push me back up to my peak.

[bcbaseballman]

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
6/30/2019 :22,362
7/31/2019: 24,646
8/30/2019: $27,199
9/31/2019: $30,664
10/31/2019: $33,343
11/30/2019: $35,249
12/31/2019: $39,079

2020
1/31/2020: $44,514
2/29/2020: $48,891

3/31/2020: $46,104

Hurray for market corrections right! staying the course as there will always be blimps in the future. Just got to keep going forward and keep my investing as steady as it ever is.

[Jim Fiction]

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
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
1/31/2020 - $96,048
2/29/2020 - $94,556
3/31/2020 - $92,438

March Notes

Same boat as everyone else.

[Rosy]

Goal: $100K by Dec 31, 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018

$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 56,000 Feb 2020

Update - $58K Mar 2020
Projected for April - $60K ~

I am not expecting any losses only continued gains/interest for another 16 months.
This is all nothing but a cash cushion, in various CDs or savings accounts for just such an emergency as we are currently facing.
Meanwhile, Mr. R's portfolio is taking a severe beating - not what you hope for when you planned to retire in three years.

So you're holding all this money in cash?  If you don't mind me probing, why do you need such a high cash buffer?  Surely now is a brilliant time to use some of this cash to buy stocks on the cheap?

Apologies if that sounds judgemental, I'm just intrigued.

@Manchester
Easy answer - since Mr. R. is almost 60 and planning to retire in about two years but is presently still working (his job is considered essential so no loss of income) we want to be in a position where we can leave his portfolio alone and give it time to recover rather than drawing from it.
I think we are plenty bold to still fully contribute to his 401K each month.

We have no debt, a paid-for home, paid for vehicles... 
The plan is to hit $100K by EOY 2021 - end of story.

I do agree with you that now is a good time to accumulate extra stocks while they are cheap.
But, in our case at almost 60 and 71 years old, we think we are being rather calm if not to say bold to stay in the market and do our usual contributions no matter what happens during this global financial crisis.
Who knows if we survive this pandemic and who knows what the world will look like this time next year or how long it will take the market to recover.

Money is an emotional beast and this cash lets me sleep at night:).
If all our funds were flapping in the winds of the stock market I'd be worried sick. We have other investments besides the 401K but only one of them will remain unaffected by the market - we could draw 3% from it now, but we are letting it sit and grow until he actually retires.

Hard to believe there would come a time when a 3% guaranteed payout would actually sound good.
Having as many alternative sources of income as possible is key - I like FI and I like to have options, a cash stash is just one of those options.

So there you have it Manchester - it is what it is.:)
We all have different circumstances, perspectives, opportunities, and motivations.

[LittleWanderer]

February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575 
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
January 2020 - $36,392
February 2020 - $35,701

March 2020 - $32,466

Oh how young and naive we were back in February.  But it's okay.  The stocks I'm buying now are gonna make me bank later!  At least that's what I keep telling myself. 

I'm still employed, still investing, still alive!  I just spent too much money on groceries and supplies this month, but who didn't? 

[Rosy]

Goal: $100K by Dec 31, 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018

$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 56,000 Feb 2020
$ 58,000 Mar 2020

$ 61,670 Apr 2020 better than expected. Some of this includes slush funds that I consolidated or moved - so not all true savings.

[nmitb]

	2019	2020	2021	2022
Jan	-$7,248	$35,632	-	-
Feb	-$6,093	$32,925	-	-
Mar	-$1,081	$32,425	-	-
Apr	$1,221	$25,737	-	-
May	$4,418	-	-	-
Jun	$5,562	-	-	-
Jul	$7,408	-	-	-
Aug	$9,255	-	-	-
Sept	$25,361	-	-	-
Oct	$27,333	-	-	-
Nov	$31,211	-	-	-
Dec	$33,422	-	-	-

[TerrierTown]

Hi all, first post!

01 Jun 2019 NW £44,112
           

01 Jul 2019 NW £46,737

02 Apr 2020 NW £61,865

[CanadianTeacher]

January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62

October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52 (Big jump because as a teacher I receive pay that's held back over the year to cover me for the summer -- basically three paycheques at once. I also started to include my pension value in net worth)‬
December 2019: $86,963.15

January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65

Moved up a little bit this month but lost a ton of gains on the market. Hoping the market recovers this month. Did not advance enough this month to feel comfortable that I've truly graduated. from the thread.

Feb 1st 2020 Update:$101,272.15.  WOOT!!

Figure I'll stick around for another month to ensure that I stay over the goal :) This includes $17,405.32 in pension contributions that are hard to value... but since I'm early in my career, if I were to quit today, I'd get back the value of my contributions... so it's worth at least that.

Also includes $4000 in held pay that I'm counting. Essentially, it's pay that I've earned but my district holds onto it until the summer as they think they are helping us budget for the summer when we receive no pay (in reality, I'd much rather have the money up front and earn interest, but sadly that's not an option in this district).

January update: $96,301.56

Some good investment returns last month :). Might be able to reach 100k at the end of the month. Found out my job is secure until the end of June, so it seems very likely by the end of February.

Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01

So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = ‬ $80,041.52‬  Woot!

December 1st update: $86,963.15

I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.

With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.

I figure I will reach $100,000 by the end of February if my job remains stable.

Sunk below the 100k threshold

January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62

October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52 (Big jump because as a teacher I receive pay that's held back over the year to cover me for the summer -- basically three paycheques at once. I also started to include my pension value in net worth)‬
December 2019: $86,963.15

January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65
April 2020: $98,415.77

[lexde]

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
06/21/2019: $57,532.15
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16
02/16/2020: $80,269.73
02/28/2020: $77,245.88
03/13/2020: $70,222.54 (-$7,023.34)

04/03/2020: $72,480.14 (+$2,257.6)

Hardcore savings and fewer expenses led to small gain this pay period. Although $1,250.00 of this is "dirty" money that I don't really want to count. Only truly a $1,007.60 gain for this pay period.

[lexde]

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
06/21/2019: $57,532.15
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16
02/16/2020: $80,269.73
02/28/2020: $77,245.88
03/13/2020: $70,222.54 (-$7,023.34)
04/03/2020: $72,480.14 (+$2,257.6)

04/10/2020: $80,296.56 (+$7,816.42)

Most of this, of course, was market rebounding. But I'm happy to say that I'm at my highest NW ever once again, now surpassing (by a whopping $26.83!!) my February 16, 2020 net worth. I am lucky to remain employed. I am lucky to be able to work from home, not drive, cook my meals, and stay indoors and safe. That's what matters right now, but financially I am doing okay, too.

I dumped most of my paycheck this month into savings and am back to a $10K e-fund. I'd like to be in the $12-24k range, and will be at the lower end of that by the end of May. With that said, I am still maxing out my 401(k), IRA, and HSA contributions, and once I have my e-fund in the $15K range I will begin contributing more to my taxable brokerage accounts.