Race from 10 to 100k!!

[la Condessa]

EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43

EF cash: $3,500

Vanguard Roth IRA: $9,310.32

Vanguard tIRA: $1,983.07

Robinhood: $209

= $15,002.39

EF : $3500

Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00

Robinhood : $239.28

=$17,146.49

EF : $1650

Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85

Robinhood : $201.84

=$21,203.88

EF : $2,580

Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68

Robinhood : $220.47

=$26,057.72

Real progress!  Partly the market and partly executing the plan.  And partly my husband really getting fully on board for the first time.  He’s doing awesome.  We’re on track to finish filling the IRAs for last year before the cutoff.

EF : $2,880.06

Roth IRA: $8,218.34
tIRA: $5,934.85
TIRA: $11,311.82

Robinhood: $217.06

=$28,562.13

[Serendip]

04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Amazing job-- it's a huge accomplishment! congrats!

[TyGuy]

Congratulations!  I should be on the next thread in about 4 or 5 months I figure.  At around $91k.

Thank you, I look forward to see you there!

[TyGuy]

Amazing job-- it's a huge accomplishment! congrats!

Thank you!

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197


Goal for 2023: EUR 60K

Just a nice and steady month. Nothing major happening, just the regular additions to the accounts. April will be challenging, since we will be travelling a little and I will try to stick to the budget!
Did all the taxes in March, so hoping to get a nice refund in april, although that will be used to repay our mortgage (which is not in this overview).

@TyGuy : CONGRATS!!!!! You made it!

[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 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)
01/03/2023: 60.002,28 € (+  355,61 €)

01/04/2023: 63.066,29 € (+3.064,01 €)

Savings were slightly negative, but stocks and BTC recovery lead to an increase. This month should be less spendy. Last time there were 4 green months in a row was in the beginning of 2021.

[LittleWanderer]

04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Super awesome!!!  Congrats, @TyGuy !

[LittleWanderer]

March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352

March 2023 - $76,441

Little late reporting in this month, but here I am.  Still slowly going up.  :)

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21
01/03/2023: € 24.052,03 +€ 781,37

01/04/2023: € 24.755,50 +€ 703,47

Decent month last month, even though I spend a lot on hobby items. The next 3 months are going to be "sav, save, save" as I am in the process of buying a home. My total net worth is going to go up a lot soon, but that will be due to my parents gifting towards my house. Its a bit weird. They are giving more than I am worth in all the world (monetarily). But I realize I am incredibly lucky to have the help and support. Up and Up.

[Serendip]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

[Trifle]

Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

Congratulations @Serendip!!!!  You made it.  Very well done!

[Treedream]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

Congrats! that is a massive achievement! The first hundred is the hardest I hear all the time. Anything you are doing to celebrate?

[Serendip]

Thanks @Trifele & @Treedream !

Congrats! that is a massive achievement! The first hundred is the hardest I hear all the time. Anything you are doing to celebrate?

The mental hurdle might be the hardest component of that first 100k--my family talks a lot about their lack of finances :)

Could've made better choices along the way (I can veer either austere or spendy; also took poor advice from a friend and lost a chunk *should've known better*) but I'm celebrating by being proud of this and aiming onwards & upwards.

[catorbe]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

You and I have been on a very similar pace to get to $100,000 and our timing of dips and market issues has been step for step. I just got paid today and my Mint says about $99,500, but with a mortgage coming out and a few other things to be paid I figured i'd better wait until the next paycheck to cross myself off of this thread. Congrats to you, i'm coming in right behind ya! My buffer situation is a little different. I've been battling to get that $100k figure, but as soon as I do it on my own I'm going to finally start counting an ESOP from my employer as i'm about to be fully vested, and there's a little bit of money in there that will officially be mine, so i'll leapfrog up the totem pole a little bit once that happens. But again I just wanted to do the 100k on my own first! Congrats again!

[Serendip]

You and I have been on a very similar pace to get to $100,000 and our timing of dips and market issues has been step for step. I just got paid today and my Mint says about $99,500, but with a mortgage coming out and a few other things to be paid I figured i'd better wait until the next paycheck to cross myself off of this thread. Congrats to you, i'm coming in right behind ya! My buffer situation is a little different. I've been battling to get that $100k figure, but as soon as I do it on my own I'm going to finally start counting an ESOP from my employer as i'm about to be fully vested, and there's a little bit of money in there that will officially be mine, so i'll leapfrog up the totem pole a little bit once that happens. But again I just wanted to do the 100k on my own first! Congrats again!

That's amazing @catorbe --excited that you are about to leapfrog me! I'll look forward to trying to catch up or keep pace with you for the next challenge :)

[Rytrik]

02022/06/01 - $29,000
02023/01/01 - $31,750
02023/02/26 - $33,494
02023/03/26 - $34,054.29
02023/04/30 - $33,326.36

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21
01/03/2023: € 24.052,03 +€ 781,37
01/04/2023: € 24.755,50 +€ 703,47

01/05/2023: € 25,649.20 + € 893.70

Decent month this month around. And I even spend some money towards the house buying process. The next couple of months should be good, as I get holiday pay and a tax return.

[regenaeb]

12/31/21 - SEP + Roth $ 31,239.32
12/31/22 - 401k + Roth $ 34,080.56

1/31/23 - 401k + Roth $ 37,633.60
02/28/23 - 401k + Roth $ 37,815.42
03/31/23 - 401k + Roth $ 40,426.24
04/30/23 - 401k + Roth $ 42,571.49

[LittleWanderer]

April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441

April 2023 - $79,158

Well that feels good!  Markets must be doing okay right now. 

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

[comicguy]

April update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70

[Serendip]

@Serendip CONGRATS on passing this milestone. You did it!!!!

wuhoo--thanks! See you in the next race soon @Dutch Comfort :)

[catorbe]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.

It is a partial repayment. We have two mortgages and are working on repaying 1 as soon as possible. Original repayment date of this one was in 2033, but currently it stands at 2031 and we're hoping to get rid of this part in 2027. Which means that after 2027, the monthly free cashflow available for investing will increase significantly. In theory, we can already repay this mortgage in full from our savings and investments, but then we have no emergency fund left, which does not feel right. But any windfalls go to this mortgage to shorten the repayment period (and slightly lower the monthly expenses because of less interest).
The other mortgage will probably not be repaid, since the interest rate is fixed till 2040 at 2.59% and our house value is >3 times the mortgage value.

[catorbe]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.

It is a partial repayment. We have two mortgages and are working on repaying 1 as soon as possible. Original repayment date of this one was in 2033, but currently it stands at 2031 and we're hoping to get rid of this part in 2027. Which means that after 2027, the monthly free cashflow available for investing will increase significantly. In theory, we can already repay this mortgage in full from our savings and investments, but then we have no emergency fund left, which does not feel right. But any windfalls go to this mortgage to shorten the repayment period (and slightly lower the monthly expenses because of less interest).
The other mortgage will probably not be repaid, since the interest rate is fixed till 2040 at 2.59% and our house value is >3 times the mortgage value.

Seems like a good balance of invest/save vs debt repayment to me! Is the interest rate on the first low enough to instead invest until you have enough to pay off the first one and then do it all at once? Keep the extra liquidity that way. Maybe make money in the process with potential investment gains speeding up the process. Depends on a lot of factors which i'm sure you've thought about, just curious!

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.

It is a partial repayment. We have two mortgages and are working on repaying 1 as soon as possible. Original repayment date of this one was in 2033, but currently it stands at 2031 and we're hoping to get rid of this part in 2027. Which means that after 2027, the monthly free cashflow available for investing will increase significantly. In theory, we can already repay this mortgage in full from our savings and investments, but then we have no emergency fund left, which does not feel right. But any windfalls go to this mortgage to shorten the repayment period (and slightly lower the monthly expenses because of less interest).
The other mortgage will probably not be repaid, since the interest rate is fixed till 2040 at 2.59% and our house value is >3 times the mortgage value.

Seems like a good balance of invest/save vs debt repayment to me! Is the interest rate on the first low enough to instead invest until you have enough to pay off the first one and then do it all at once? Keep the extra liquidity that way. Maybe make money in the process with potential investment gains speeding up the process. Depends on a lot of factors which i'm sure you've thought about, just curious!

Repayment of mortgage #1 is a priority for us, since this will free monthly cashflow, which we will need when our teens will start their college years. Fortunately, education in the Netherlands is affordable, but it is nice to help them out on their other expenses. So we're not looking into the interest rate, since this is not part of our discussion on this. Just to free an extra 500-600 euro every month (EVERY MONTH!!!!) sounds tempting enough for us.
For the 2nd mortgage, we will build up a stash and we can choose whether we repay or not (it is a mortgage that is only repayable upon sale of the house / 2043 (whichever comes first), so enough time to build up the stash and let inflation eat away part of the mortgage!). For us, the key argument is flexibility and not being bound to fixed monthly repayments to the bank, that is why we want to kill the fixed monthly payment as soon as possible!

[jnw]

Well after this month's monthly income, I am at 94K net worth; my net worth increases about $2k per month on average, assuming no major expenses.

However, I was looking up the price of my home and it has increased another $10,000.  I was counting my home as $95k of the net worth, back when Zillow said it was worth $130k -- since I'd have to deduct repair costs, realtor fees and closing costs if I ever sold (I was being liberal with the potential selling expenses); also I thought home prices would come down because they went up so abruptly the past couple years.

But now Zillow says my home is worth near 150K.  So I decided to add another $10k to my net worth, allowing $105k for the home instead of $95k.

So I have achieved my goal of $100k net worth as my net worth is at $104k.   I guess it's time to move onto the race to $500k, which will take a very long time -- probably 10 years at least.

[la Condessa]

EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43

EF cash: $3,500

Vanguard Roth IRA: $9,310.32

Vanguard tIRA: $1,983.07

Robinhood: $209

= $15,002.39

EF : $3500

Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00

Robinhood : $239.28

=$17,146.49

EF : $1650

Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85

Robinhood : $201.84

=$21,203.88

EF : $2,580

Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68

Robinhood : $220.47

=$26,057.72

Real progress!  Partly the market and partly executing the plan.  And partly my husband really getting fully on board for the first time.  He’s doing awesome.  We’re on track to finish filling the IRAs for last year before the cutoff.

EF : $2,880.06

Roth IRA: $8,218.34
tIRA: $5,934.85
TIRA: $11,311.82

Robinhood: $217.06

=$28,562.13

EF: $3,050

Roth IRA: $8,209.41
tIRA: $7,921.47
tIRA: $13,291.54

Robinhood: $216.67

=$32,689.09

[TyGuy]

Well after this month's monthly income, I am at 94K net worth; my net worth increases about $2k per month on average, assuming no major expenses.

However, I was looking up the price of my home and it has increased another $10,000.  I was counting my home as $95k of the net worth, back when Zillow said it was worth $130k -- since I'd have to deduct repair costs, realtor fees and closing costs if I ever sold (I was being liberal with the potential selling expenses); also I thought home prices would come down because they went up so abruptly the past couple years.

But now Zillow says my home is worth near 150K.  So I decided to add another $10k to my net worth, allowing $105k for the home instead of $95k.

So I have achieved my goal of $100k net worth as my net worth is at $104k.   I guess it's time to move onto the race to $500k, which will take a very long time -- probably 10 years at least.

Nice job staying steady in this race and finishing! I just wanted to reach out and let you know there is a race for 100k to 250k if you are interested in joining, makes the end goal seem much more within reach, in comparison to 500k!

[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 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)
01/03/2023: 60.002,28 € (+  355,61 €)
01/04/2023: 63.066,29 € (+3.064,01 €)

01/05/2023: 62.039,59 € (-1.026,70 €)

Savings this year have been terrible, need to ramp it back up again.

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521
May 2023: EUR 49,658


Goal for 2023: EUR 60K

Limited savings, since we put a large part of our holiday pay into a pre-tax pension fund (not in this overview). The tax refund was put directly into our mortgage. So after all these extras, we will go into the "quiet" months till (hopefully) bonus will hit in December......

[LittleWanderer]

May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158

May 2023 - $79,638

I was over $80K a couple of days ago...oh well.  Next month!

[catorbe]

May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158

May 2023 - $79,638

I was over $80K a couple of days ago...oh well.  Next month!

I always get hit with the end of month Mint update number that looks so good, and then immediately come back to reality on the 1st when the mortgage payment comes out!

[comicguy]

May update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47

[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 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)
01/03/2023: 60.002,28 € (+  355,61 €)
01/04/2023: 63.066,29 € (+3.064,01 €)
01/05/2023: 62.039,59 € (-1.026,70 €)

01/06/2023: 64.461,16 € (2.421,57 €)

Markets were behaving well. I wrote off 850 € that I loaned to a (former) friend and will most likely not be seeing back. I went into it ready to give up that money to help him and now it's actually become an expensive lesson not to mix friendship and money. He was supposed to start small monthly payments of 50 € in January and event hat didn't materialize with lots of discussions and promises not beeing kept.

Still cause for celebration bc it's a new all-time high since April 2022.
[/quote]

[la Condessa]

Aug 2021

$11,112.43


Nov 2021

$15,002.39


April 2022

$17,146.49


Jan 2023

$21,203.88


Feb 2023

$26,057.72


April 2023

$28,562.13


May 2023

$32,689.09


June 2023

EF: $3,200

Roth IRA: $8,479.13
tIRA: $9,786.42
tIRA: $15,395.58

Robinhood: $226.59

=$37,087.72

[LittleWanderer]

June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638

June 2023 - $84,521

Solidly broke $80K this month, which is exciting!

[comicguy]

June update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86

[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 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)
01/03/2023: 60.002,28 € (+  355,61 €)
01/04/2023: 63.066,29 € (+3.064,01 €)
01/05/2023: 62.039,59 € (-1.026,70 €)
01/06/2023: 64.461,16 € (2.421,57 €)

01/07/2023: 68.526,22 € (4.065,06 €)

Another very spendy month, but investments behaved really well. 75k at the end of the year seems attainable.

[Dutch Comfort]

racking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521
May 2023: EUR 49,658
June 2023: EUR 49,629


Goal for 2023: EUR 60K

Had a few large expenses this month (new contacts, new glasses...... oh the joy of having bad eyesight......), but overal the downward turn was limited thanks to the market.
Still hoping for my strech goal of 60K this year, but with DS probably having to start the teeth-braces project, I feel we're probably not getting there.

[la Condessa]

Aug 2021

$11,112.43


Nov 2021

$15,002.39


April 2022

$17,146.49


Jan 2023

$21,203.88


Feb 2023

$26,057.72


April 2023

$28,562.13


May 2023

$32,689.09


June 2023

$37,087.72


July 2023

EF: $3,350

Roth IRA: $8,642.55
tIRA: $10,564.83
tIRA: $16,326.85

Robinhood: $226.59

=$39,110.82

[LobsterLuke]

Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.

3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW

7/12/2022: $14,300 cash + $2,450 investments - $0 debt = $16,750 NW

Finally graduated college at the ripe old age of 27 and landed a good job, so I'm looking forward to watching my stache grow at a faster rate!

I had hoped to be closer to $20K in net worth this time of year, but I spent a dumb amount of money furnishing my new apartment with brand new stuff.

I was walking through Goodwill yesterday and realized I would've been just as happy with the used furniture, dishes and appliances they were selling. I still have a lot to learn but I've been learning a lot by devouring every episode of the Mad Fientist podcast. Really interested in maxing my 401k and IRA somehow.

11/5/2022: $18,312 cash + $4,002 401k + $4,560 IRA = $26,874 NW

7/26/2023: $23,106 cash + $14,014 401k + $14,654 IRA + $35 brokerage - $0 debt = $51,809 NW

$100k here I come! But more importantly, happy fulfilled life here I come. Really proud that I'm obsessing over this number much less now.

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521
May 2023: EUR 49,658
June 2023: EUR 49,629
July 2023: EUR 49,201


Goal for 2023: EUR 60K

Despite a 3 week holiday (not too spendy, but still a decent amount was taken from savings), the total is not too bad (thanks to markets). As from now, upwards we go!!!!

[getsorted]

Tracking 401(k)s/IRAs:

August 2023: $10,171

[LittleWanderer]

July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521

July 2023 - $88,351

My 401K has gone bonkers in a good way.  Here I thought it was going to be a low month since I paid for car maintenance and my annual gym membership. 

[TyGuy]

July 2023 - $88,351

My 401K has gone bonkers in a good way.  Here I thought it was going to be a low month since I paid for car maintenance and my annual gym membership.

You are getting so close to the finish line, @LittleWanderer I'm cheering for you!

[comicguy]

July update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Uo 3186.85   Investment  48247.88 Total 51434.53

[LittleWanderer]

You are getting so close to the finish line, @LittleWanderer I'm cheering for you!

Thank you!!!  Unless the market keeps going crazy, I suspect I'll still be here for a bit.  I've been here since 2017.  Slow and steady...

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21
01/03/2023: € 24.052,03 +€ 781,37
01/04/2023: € 24.755,50 +€ 703,47
01/05/2023: € 25,649.20 + € 893.70

01/09/2023:  €53,363.61 (house purchase)

I bought a house (just me, all on my lonesome!) and got the keys in July. I am very proud. The move was very succesfull and I am settling in. Its been amazing to have more space and better facilities. The big increase in my numbers is mostly to do to the fact that my parents gave me a substantial gift (or early inheritance) for the purpose of the purchase. I can no longer say its all on my own merit, but I aint looking gift horses in the mouth. I will be very pleased when this number increases until I have at least as much of my own money, as their gift. So that is the goal for the next months. But I also have plans for the house. Finding the balance between the future and improving the house for comfort is a delicate struggle. But a very blessed one to have.

[Trifle]

01/09/2023:  €53,363.61 (house purchase)

I bought a house (just me, all on my lonesome!) and got the keys in July. I am very proud.

Congratulations @Treedream !  That's huge.