Author Topic: Race from 100 to 250k  (Read 537563 times)

SeattleStache

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Re: Race from 100 to 250k
« Reply #2550 on: June 30, 2019, 11:11:21 AM »
First number is retirement savings, second is total NW including cash emergency savings and real estate equity.

January 2015: $98,619

January 2016: $101,235
December 2016: $140,779 (total NW $269,089)

January 2017: $151,307 (total NW $276,052)
December 2017: $193,677 (total NW $364,276)

January 2018: $203,876
December 2018: $194,973 (total NW $367,535)

January 2019: $210,742 (total NW $375,622)
February 2019: $220,342 (total NW $390,613)
March 2019: $222,125 (total NW $391,337)
April 2019: $228,200 (total NW $403,977)
May 2019: $223,933 (total NW $394,029)
June 2019: $238,000 (total NW $409,841)


The total NW is over $250k but I'm focused on retirement only for this challenge. A good chunk of the NW is real estate equity.

LurkerStache

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Re: Race from 100 to 250k
« Reply #2551 on: June 30, 2019, 11:27:35 AM »
Dec 2017: 102,068.04
Jan 2018: 108,443.97
Feb 2018: 108,726.52
Mar 2018: 109,126.43
Apr 2018: 114,917.83
May 2018: 118,481.89
Jun 2018: 121,593.76
Jul 2018: 126,216.79
Aug 2018: 128,017.71
Mar 2019: 133,167.33
Apr 2019: 137,228.23
May 2019: 136,789.23
Jun 2019: 145,951.04

Epor

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Re: Race from 100 to 250k
« Reply #2552 on: June 30, 2019, 12:17:15 PM »

Jan-2014    $ 24,525.00   
Jan-2015    $ 32,090.00   
Jan-2016    $ 39,258.00   
Jan-2017    $ 59,072.00   (found MMM   3/17)
Jan-2018    $ 93,684.00
Jan-2019    $111,219.00
----------   
           Total       Saved       Market G/L
02/01/19   129805      7876        10710
03/01/19   136520      1976         4739
04/01/19   139740      1976         1244     
05/01/19   147985      1976         6269     
06/01/19   138745      2715       -11955     
07/01/19   151525      1976        10804     


One-fifty!

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2553 on: June 30, 2019, 12:37:06 PM »

Jan-2014 $ 24,525.00
Jan-2015 $ 32,090.00
Jan-2016 $ 39,258.00
Jan-2017 $ 59,072.00(found MMM   3/17)
Jan-2018 $ 93,684.00
Jan-2019 $111,219.00
----------
           Total       Saved       Market G/L
02/01/19129805      7876        10710
03/01/19136520      1976         4739
04/01/19139740      1976         1244     
05/01/19147985      1976         6269     
06/01/19138745      2715       -11955     
07/01/19151525      1976        10804     


One-fifty!
That must be one risky investment with those g/l

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Epor

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Re: Race from 100 to 250k
« Reply #2554 on: June 30, 2019, 01:29:59 PM »

Jan-2014 $ 24,525.00
Jan-2015 $ 32,090.00
Jan-2016 $ 39,258.00
Jan-2017 $ 59,072.00(found MMM   3/17)
Jan-2018 $ 93,684.00
Jan-2019 $111,219.00
----------
           Total       Saved       Market G/L
02/01/19129805      7876        10710
03/01/19136520      1976         4739
04/01/19139740      1976         1244     
05/01/19147985      1976         6269     
06/01/19138745      2715       -11955     
07/01/19151525      1976        10804     


One-fifty!
That must be one risky investment with those g/l

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Somewhat. All are mutual funds, about:
30% large
20% tech/nasdaq
45% mid and small
5% total idx

I'm slowly moving my small&mid to total index. My large caps are not really tech oriented, but all have google, alibaba, facebook etc as well, so I'll probably be reviewing those at year's end and change my auto-investing for 2020.

ASW

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Re: Race from 100 to 250k
« Reply #2555 on: June 30, 2019, 02:15:06 PM »
Pretty expensive month with some travel, but the market made up for it.


                       2018                2019                2020                2021               
January     $38,800$88,534--
February$49,800$96,439--
March$55,707$107,387--
April$64,352$110,960--
May$68,097117,622--
June$72,976$113,078-(Grad Goal)
July$80,555$124,700-
August$85,858--
September$90,137--
October$93,806--
November$89,537--
December$92,795--
« Last Edit: August 01, 2019, 04:51:29 AM by ASW »

snoot

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Re: Race from 100 to 250k
« Reply #2556 on: June 30, 2019, 05:07:36 PM »
01/2018 $67,602
01/2019 $101,315
02/2019 $116,294
03/2019 $121,914
04/2019 $126,008
05/2019 $171,195 (added house equity)
06/2019 $172,670
07/2019 $182,019

SquashingDebt

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Re: Race from 100 to 250k
« Reply #2557 on: June 30, 2019, 07:33:02 PM »
Excited to join this thread as of midnight tonight (when my ESOP shares vest another 20% and bump my net worth ~$10k, haha)!

June 2015:   -$82,494 (finished grad school and got my first real job)
June 2016:   -$54,365
June 2017:   -$14,362
June 2018:    $38,877
June 2019:  $111,550

zeli2033

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Re: Race from 100 to 250k
« Reply #2558 on: June 30, 2019, 08:48:41 PM »
Adding myself to this race. Tracking our net worth (we don't have any debt/liabilities so by default it's investments/cash savings).

8/31/17: - $63,378 (student loan debt)

[...]

8/31/18: $12,784
9/28/18: $22,476
10/31/18: $27,980
11/30/18: $36,219
12/31/18: $36,235 
1/31/19: $52,928 
2/28/19: $61,806
3/29/19: $72,482
4/30/19: $99,041 (paid off student loans)
5/31/19: $96,807
6/30/19: $106,071

Our lofty goal is to graduate from this thread before January 2021. Excited to see how that goes!

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2559 on: June 30, 2019, 11:27:50 PM »
Adding myself to this race. Tracking our net worth (we don't have any debt/liabilities so by default it's investments/cash savings).

8/31/17: - $63,378 (student loan debt)

[...]

8/31/18: $12,784
9/28/18: $22,476
10/31/18: $27,980
11/30/18: $36,219
12/31/18: $36,235 
1/31/19: $52,928 
2/28/19: $61,806
3/29/19: $72,482
4/30/19: $99,041 (paid off student loans)
5/31/19: $96,807
6/30/19: $106,071

Our lofty goal is to graduate from this thread before January 2021. Excited to see how that goes!
Seems quite attainable based on some huge monthly increases this last year.

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mountain_air

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Re: Race from 100 to 250k
« Reply #2560 on: July 01, 2019, 06:28:19 AM »
5/1/18    135,266
6/1/18    146,521
7/1/18    150,573
8/1/18    155,306
9/1/18    169,777
10/1/18  178,901
11/1/18  179,225
12/1/18  185,066
1/1/19    184,310 
2/1/19    196,092
3/1/19    202,431
4/1/19    228,194
5/1/19    242,596
6/1/19    241,727
7/1/19    258,652

Hooray!!!>>>> I have graduated this thread!  Now don't get all misty-eyed on me now, Ill see you all in the 250-500k soon enough.  Onward and upward!

Slow&Steady

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Re: Race from 100 to 250k
« Reply #2561 on: July 01, 2019, 06:38:40 AM »
2019 Goal = $135k (Invested Total) & $185K (Total NW)
2019 Stretch Goal = $160k (Invested Total) & $215k (Total NW)

I am using Invested Total for this race. Predicted Graduation = Jan 2022 or 4 year from start.

Code: [Select]
Month End Invested Total Total NW
Dec-13 $43,660 $51,660
Dec-14 $52,943 $75,943
Dec-15 $55,622 $88,622
Dec-16 $69,570 $118,570
Dec-17 $97,461 $154,724
Dec-18 $106,959 $175,804
Jan-19 $114,861 $165,976
Feb-19 $120,300 $175,607
Mar-19 $124,179 $186,181
Apr-19 $130,479 $184,076
May-19 $121,529 $181,012
Jun-19 $129,146 $180,760

We listed the rental house, so I adjusted the value (down ~$10K) to what we expect to get for the house.  NW Goals have also been adjusted above to account for no longer (hopefully) having the rental house.  Invested total will take another hit in Aug as I switch jobs and will lose some of my non-vested balance, guess I could just calculate that out now but I am lazy and the 401k administrator will do it for me in a few months.


Neustache

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Re: Race from 100 to 250k
« Reply #2562 on: July 01, 2019, 08:07:41 AM »
09/05/18     154,000
10/01/18     168,330
12/01/18     163,458
01/01/19     155,535
02/01/19     166,939
03/01/19     174,622   
04/01/19     177,810
05/01/19     200,000
06/01/19     195,345
07/01/19     207,000


Woot!  Hit over 200K again.  Should stay above that even if the market dips a bit because of pension contribution that happens this month.  Might hit 250K by the end of 2019, but we will see. 




ingrownstudentloans

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Re: Race from 100 to 250k
« Reply #2563 on: July 01, 2019, 08:13:23 AM »
I am tracking only IRA/401K/taxable accounts.
5/31/2018 $100,519.07  - not even the slightest clue on target date...I'll be here for a few years :)
6/30/2018 $105,187.34
7/31/2018 $109,052.07
8/31/2018 $116,748.06
9/31/2018 $125.833.33 (should slow down for rest of year as both 401Ks are maxed)
10/31/2018 $121,400.49 (market pain)
11/30/2018 $120,116/63
12/31/2018 $115,318.38 (more market pain and put some resources towards our new AirBnB venture - looking forward to buying stocks on sale now that 401K is back in play)
1/31/2019 $121,188.34 (next couple of months are my favorite time of year - 401K is in play, bonus and employer 401K match (3% of compensation) all hit)
2/28/2019 $136,880.76 (one twomore fun months, then back to slow(er) growth mode)
3/31/2019 $141,195.30 (one more fun month - employer 401k contribution and last month until max 401k for the year)
4/30/2019 $161,209.95 (going to try to continue speed with taxable account - we will see with a 2-week old at home how this plays out)
5/31/2019 $157,215.34 (market pain decline despite adding close to $4,000 in my after-tax account.....stay the course)
6/30/2019 $168,401.72 ($63,214.38 in one year...stay the course)

L2

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Re: Race from 100 to 250k
« Reply #2564 on: July 01, 2019, 09:50:38 AM »
1/15/19 - $101,635.
1/31/19 NW: 108,165
Projected Graduation Goal NW (12/31/2020):  204,027
2/28/19 NW: $115,123.70
Projected Graduation Goal NW (12/31/2020):  $211,141.90
 - The graduation goal is calculated by taking my projected total increase in 2019 and doubling it.
3/31/19 NW: $118,967.70
Projected Graduation Goal NW (12/31/2020):  $211,887
 - The graduation goal is calculated by taking my projected total increase in 2019 and using the same for next year.
4/30/19 NW: $128,933.75
Projected Graduation Goal NW (12/31/2020):  $224,080.24
 - The graduation goal is calculated by taking my projected total increase in 2019 and using the same for next year.

Due to the drastic change month over month, I hope I'm not making an error in my calculations lol.

5/31/19 NW: $133,788
Projected Graduation Goal NW (12/31/2020):  $227,373
 - The graduation goal is calculated by taking my projected total increase in 2019 and using the same for next year.

6/30/19 NW: $141,921
Projected Graduation Goal NW (12/31/2020):  $236,022
 - The graduation goal is calculated by taking my projected total increase in 2019 and using the same for next year.

I don't know how I'm doing this good..and frankly it makes me second guess my calc's even though I'm sure of them. This must be what generating passing income feels like, huh? Should be another good month as I'm expecting $2-3k in quarterly bonuses to paid out.

Check2400

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Re: Race from 100 to 250k
« Reply #2565 on: July 01, 2019, 10:25:58 AM »
Jan. 1, 2017 - 103,000
Feb. 1, 2017 - 106,500
Mar. 1 2017  - 102,500
Apr. 1  2017 -  110,000
May 1  2017 -  112,500
June 1 2017 -  113,500
July  1 2017 -  120,500
Aug. 1 2017 -  131,000
Sept. 1 2017-  131,000
Oct.  1  2017-  131,500
Nov. 1  2017 - 135,000
Dec. 1  2017 - 140,000
Jan. 1   2018 - 160,000
Feb. 1   2018-  168,000
Mar. 1   2018-  168,000
April 1   2018-  169,000
May 1   2018 -  171,000
June 1  2018 -  178,000
July  1  2018 -  180,500
Aug. 1  2018 -  194,000
Sept 1  2018 -  200,500
Oct. 1  2018 -  200,800
Nov. 1 2018 -  184,000
Dec. 1 2018 -  195,000
Jan. 1 2019 -  204,000
Feb. 1 2019 -  217,000
Mar 1  2019 -  226,000
April 1 2019 -  231,000
May 1, 2019 -  246,500
June 1, 2019 - 235,500
July 1, 2019 - 250,500

Thoughts on a graduate who isn't quite yet leaving.
Days in this race:  909
Total time: 2 years, 5 months, 28 days.
Days it feels like since I started-4, 5 months maybe?
Difference in feelings looking from month to month, and then looking at the full listed growth over 30 months:  Wowza!

Things that have changed since I started the race:  Went from 1 newborn to a toddler and baby.  Went from wife's house and my condo to a large lot house we spent 6 months remodeling and financing. 

Things that were consistent:  Main job and side job income were largely unchanged.  Vehicles are still clunking along.  Childcare hasn't changed much adding a second.  I keep expecting to have to buy a new truck, but keep finding ways to stretch it out. 

Financial surprises:  I got one lump chunk of change of 8 grand during this race, but also am not counting the cashing out of condo/house since that all went into the new house expenses.  The downside surprises were a house that is a much higher mortgage and property tax rate, and I also have taken on the health insurance for the whole family, which is a pretty penny. 

Last year was truly the first year that my non 401K savings went into a taxable account-prior to that is was always accounted for in either student loans, down payment/remodels, or hospitals baby bills. 

150,000 over 30 months = 5 grand a month.  I guarantee you I didn't save that much into direct savings.

Here is my advice, unsolicited, that I've boiled my savings success down to.  Take it out of your hands.  I can't do a Roth IRA contribution, but the day I paid off my last student loan was the same year I got a pay raise, and the math made it to where maxing my 401k made my take home the exact same.  Every pay raise since then has been a direct to me pay raise. 

The $30,000 I save on top of 401K largely comes from an end of year lump sum distribution, and I DCA it over the year because the rigidity helps me with the plan, avoids the emotional drops that I am willing to avoid at the expense of the spikes that average it out to an even or better financial decision. 

My favorite view on this number, as I approach 37, is that were I to never add another dollar to my retirement, at age 59.5 I'll be at almost 1.2 million.  If I only did the current 401k match til then, I'll have over 2.1 million.  Current me has fully funded the 'traditional' 'early' retirement me fully (assuming yada yada risk, 7% inflation, doom etc.).  That is pretty awesome.  Everything going forward is buying extra retirement, and that is exciting. 


I'm going to stick around, with permission, a month or two.  $500 doesn't quite feel official to me.  Or maybe I just want to stay as the bigger fish in a big pond for a bit longer.  :)


Rodgers12

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Re: Race from 100 to 250k
« Reply #2566 on: July 01, 2019, 10:30:57 AM »
05/31/2017: $101,116
06/30/2017: $105,800
07/31/2017: $108,102
08/31/2017: $109,173
09/30/2017: $112,641
10/31/2017: $114,947
11/30/2017: $120,950
12/31/2017: $130,109
01/31/2018: $135,205
02/28/2018: $136,931
03/31/2018: $144,290
04/30/2018: $151,784
05/31/2018: $156,979
06/30/2018: $161,462
07/31/2018: $165,899
08/31/2018: $167,980
09/30/2018: $170,675
10/31/2018: $166,320
11/30/2018: $169,814
12/31/2018: $167,124
01/31/2019: $177,652
02/28/2019: $187,313
03/31/2019: $196,426
04/30/2019: $214,442
05/31/2019: $209,319
06/30/2019: $219,920

After an 11 month hiatus, I am back!
« Last Edit: July 01, 2019, 12:37:24 PM by Rodgers12 »

FrugalByChance

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Re: Race from 100 to 250k
« Reply #2567 on: July 01, 2019, 01:06:04 PM »
Only counting my "Early Retirement stash". So this does not include my emergency-fund, pension capital, or payed-off residence.

These are the "end of the month" numbers:
Month      Early Retirement Stash
Jan 2016   €  58 971.00
Jan 2017   €  86 368.00
Jan 2018   € 119 817.00
Dec 2018   € 135 400.00
Totals for 2018:
Growth   € 18.847,34   (= 16,17%)
Deposits € 27.142,12   
Returns -€  8.294,78   (= -6,81%)


Jan 2019   € 145 840.48
Feb 2019   € 151 827.59
Mar 2019   € 157 527.28   (€ 5 699.69 growth including € 1 440.00 deposits)
Apr 2019   € 164 309.47   (growth: € 6 782.19 deposits:  €  950.00 )
May 2019   € 158 997.24   (growth: -€5 312.23 deposits: € 3 350.00)


Jun 2019  €166 992.69       (growth: €7 995.45 deposits: €3 200.00)

ingrownstudentloans

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Re: Race from 100 to 250k
« Reply #2568 on: July 01, 2019, 01:26:32 PM »
...
My favorite view on this number, as I approach 37, is that were I to never add another dollar to my retirement, at age 59.5 I'll be at almost 1.2 million.  If I only did the current 401k match til then, I'll have over 2.1 million.  Current me has fully funded the 'traditional' 'early' retirement me fully (assuming yada yada risk, 7% inflation, doom etc.).  That is pretty awesome.  Everything going forward is buying extra retirement, and that is exciting. 


I'm going to stick around, with permission, a month or two.  $500 doesn't quite feel official to me.  Or maybe I just want to stay as the bigger fish in a big pond for a bit longer.  :)


What an awesome summary, reflection and point of view - thank you.  Congrats on the achievements, especially the new addition to the family.  I have zero authority to say this, but stick around as long as you want!

FICurious

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Re: Race from 100 to 250k
« Reply #2569 on: July 01, 2019, 02:23:50 PM »
This will track only my investments and savings.

Apr 2011:  $49k
Jan 2013:  $80K     >>>> Out of work/stay at home Dad Aug 13 - Mar 15
Jan 2014:  $97k
Jan 2015:  $100k   >>>> Back to work, but daily 3 hour commute (Good for audio books, bad for car and home life)
Jan 2016:  $103k   >>>> Got position close to home in Jan, hated job and became trainee in current career field in Apr 16
Jan 2017:  $108k
Jan 2018:  $127k

Jan 2019:  $133k
Feb 2019:  $145k
Mar 2019:  $147k
Apr 2019:  $151K 
May 2019: $154k  >>>> Graduated trainee program. Whoopee!
Jun 2019: $149,276

Jul 2019: $157,542

Toad

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Re: Race from 100 to 250k
« Reply #2570 on: July 01, 2019, 09:32:34 PM »
Summary of accounts:

   Date      Bank Accounts      Taxable Investments      IRAs and 401k      TOTAL      CHANGE   
   February 1, 2018      $13,975.00      $81,380.67      $51,185.33      $146,541.00   
   March 1, 2018      $10,851.87      $81,263.42      $50,645.46      $142,760.75      -2.58%   
   April 1, 2018      $9,260.83      $82,902.34      $49,913.25      $142,076.42      -0.48%   
   May 1, 2018      $6,865.67      $81,933.59      $59,445.02      $148,244.28      +4.34%   
   June 1, 2018      $6,764.50      $83,959.71      $66,115.73      $156,839.94      +5.80%   
   July 1, 2018      $7,123.50      $83,121.42      $69,308.09      $159,553.01      +1.73%   
   August 1, 2018      $14,732.56      $86,652.82      $72,329.18      $173,714.56      +8.88%   
   September 1, 2018      $13,673.41      $90,472.35      $74,941.54      $179,087.30      +3.09%   
   October 1, 2018      $16,854.55      $91,794.30      $75,717.00      $184,365.85      +2.95%   
   November 1, 2018      $18,285.38      $84,982.39      $71,020.77      $174,738.95      -5.22%   
   December 1, 2018      $17,708.68      $91,239.50      $71,548.00      $180,496.18      +3.29%   
   January 1, 2019      $23,668.81      $89,632.75      $72,953.77      $185,911.60      +3.00%   
   February 1, 2019      $22,665.56      $94,290.71      $78,618.00      $195,691.08      +5.26%   
   March 1, 2019      $21,422.97      $95,094.09      $85,633.00      $202,150.06      +3.30%   
   April 1, 2019      $21,553.38      $96,284.88      $93,816.00      $211,654.26      +4.70%   
   May 1, 2019      $23,000.32      $98,750.13      $99,692.00      $221,442.45      +4.62%   
   June 1, 2019      $26,815.91      $92,621.16      $93,848.70      $213,285.77      -3.68%   
   July 1, 2019      $31,597.83      $107,567.64      $100,638.90      $239,804.37      +12.43%   

Massive gains this month although I must confess I cheated a bit.  I cashed out $7k worth of AMEX MR points from my first year of churning (2/3 of my stash).  Even without that, it was a good month, and my stretch goal of $250k before the end of the year doesn't look like much of a stretch anymore.

Edit: Oh yeah...also got married last month.  Wedding cost < $500 :)
« Last Edit: July 01, 2019, 09:44:02 PM by Toad »

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2571 on: July 01, 2019, 10:44:21 PM »
10k USD in Mr points?? Do you have a lot of business expenses?

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Toad

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Re: Race from 100 to 250k
« Reply #2572 on: July 01, 2019, 11:26:04 PM »
10k USD in Mr points?? Do you have a lot of business expenses?

Nope, none.  I manufacture spend a ton (like around 50-80k/month currently -- probably averaged more like 20k/month my first year)

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2573 on: July 02, 2019, 07:40:42 AM »
10k USD in Mr points?? Do you have a lot of business expenses?

Nope, none.  I manufacture spend a ton (like around 50-80k/month currently -- probably averaged more like 20k/month my first year)
That is crazy, so this is all net of any fees you pay for MS?

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gillhamface

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Re: Race from 100 to 250k
« Reply #2574 on: July 02, 2019, 08:15:10 AM »
1/2018  $104,847
1/2019  $103,451
2/2019  $112,868
3/2019  $115,615
4/2019  $117,248
5/2019  $123,948
6/2019  $119,983

                                Saved        Market Gains/Other
7/2019  $129,967     $1500         $9,984

Saw a bounce-back after a dip, so that felt good.  Had a terrible spending month--but $$ went towards a very memorable trip to see my grandma and help her move. My goal of frugality is sometimes hard to balance with seeing family (we are so far away!) but I am trying to keep both those priorities top of mind.


mustardstew

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  • Location: NC, USA
Re: Race from 100 to 250k
« Reply #2575 on: July 02, 2019, 08:19:22 AM »
06/2018 - $127,908
07/2018 - $128,267
08/2018 - $130,454
09/2018 - $133,960
10/2018 - $133,054
11/2018 - $128,883
12/2018 - $130,047
01/2019 - $123,019
02/2019 - $126,896
03/2019 - $130,444
04/2019 - $132,114
05/2019 - $134,870
06/2019 - $130,798

07/2019 - $134,625
Yay market!  And a little budgeting!

Master of None

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Re: Race from 100 to 250k
« Reply #2576 on: July 02, 2019, 09:32:14 AM »
We just moved a little over 100k! I'm pumped to see how fast we can get to 250k.


4/1/19-$102,995.86
5/1/19- $103,951.81

7/1/19- $110,074.26

zee dot

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Re: Race from 100 to 250k
« Reply #2577 on: July 02, 2019, 10:38:34 AM »
02/2019 $150,040.56
03/2019 $152,786.73
04/2019 $200,186.35
05/2019 $195,428.02
06/2019 $106,265.42 (bought an apartment for my mom)

Toad

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Re: Race from 100 to 250k
« Reply #2578 on: July 02, 2019, 05:47:11 PM »
10k USD in Mr points?? Do you have a lot of business expenses?

Nope, none.  I manufacture spend a ton (like around 50-80k/month currently -- probably averaged more like 20k/month my first year)
That is crazy, so this is all net of any fees you pay for MS?

Sent from my Pixel 2 XL using Tapatalk

Yes and no -- it is far more convoluted than it appears on the surface.  I really have much much more profit from this than my recent cash out.  I am in the process of updating my numbers now so by the time you see this, it will likely be current, but check this out for more details:

https://forum.mrmoneymustache.com/throw-down-the-gauntlet/maximize-your-churning-(bank-account-credit-card)/

Steeze

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  • Location: NYC Area of Earth
Re: Race from 100 to 250k
« Reply #2579 on: July 04, 2019, 07:08:06 AM »
@Check2400 congrats on graduating. Your thoughts on fully funding the 59.5 retirement age are great! I have been looking forward to crossing the 300k milestone for the same reason. Seems like it will feel great to know I took care of my elderly self. More importantly, if I wanted to coast FI, DW and I could both work part time from 300k until we are 59.5 and cover our lifestyle pretty easy. To me it’s the first major milestone in this FI adventure. Maybe it’s not enough to buy freedom, but it’s definitely enough to buy you flexibility. Congrats again.

solon

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Re: Race from 100 to 250k
« Reply #2580 on: July 05, 2019, 05:48:20 AM »

 1-2017  $88,615
 1-2018 $132,155
 1-2019 $177,349
 2-2019 $188,332
 3-2019 $187,634
 4-2019 $197,461
 5-2019 $194,010
 6-2019 $186,414
 7-2019 $196,934


The first half of this year I've been finishing my basement. That should be done by the time I post next month, which should make my networth go up quite a bit. I've been itching to post that bigger number!

Here's the group spreadsheet: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0

FI-REality

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Re: Race from 100 to 250k
« Reply #2581 on: July 05, 2019, 05:54:10 AM »
Goal of $250,000 by Sept of 2019.

Jan 1/16 - $105,809.20
Apr 1/16 - $108,749.60
Jul 1/16 - $117,155.44
Oct 1/16 - $118,878.00
Jan 1/17 - $126,041.95
Apr 1/17 - $138,777.41
Jul 1/17 - $144,570.34
Oct 1/17 - $152,266.77
Jan 1/18 - $164,613.88
Apr 1/18 - $174,725.03
July 1/18 - $188,096.17
Oct 1/18 - $191,853.58
Jan 1/19 - $183,804.03
Feb 1/19 - $192,428.69
Mar 1/19 - $197,862.10
Apr 1/19 - $204,808.88
May 1/19 - $208,362.35
Jun 1/19 - $201,804.03

July/19 - $208,148.78

All market gains, not bad at all. If the market would do this every month, I could retire already.
I had to hold back all my investment cash last month to help pay for a rather expensive vacation (that ended up being even more expensive than I thought).  Holding back another half this month also to, hopefully, get the credit cards paid off.
« Last Edit: July 05, 2019, 05:56:24 AM by FI-REality »

lampstache

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  • Location: Minnesota
Re: Race from 100 to 250k
« Reply #2582 on: July 08, 2019, 02:22:10 PM »
1/2017   - 34,633
6/2017   - 45,227

1/2018   - 56,928
6/2018   - 71,500

1/2019   - 98,248
2/2019   - 115,926 (Big jump from tIRA contributions for 2018)
3/2019   - 123,445
4/2019   - 129,678
5/2019   - 136,527
Forgot about June!
7/2019   - 143,500

Investments only!

jojoguy

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Re: Race from 100 to 250k
« Reply #2583 on: July 14, 2019, 09:13:39 AM »

These are investments only between me and my wife`s 401ks, Traditional IRAs, and taxable brokerage accounts:

April 13, 2019 = $100,325.68
May 4, 2019 = $104,848.79
May 19, 2019 = $104,598.06
June 7, 2019 = $109,857.56
June 15, 2019 = $112,748.14
June 29, 2019 = $116,258.11
July 12, 2019 = $121,966.53 ($2,000 away from maxing out both of our IRAs for the year)

zeli2033

  • Bristles
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  • Location: Pacific Northwest
Re: Race from 100 to 250k
« Reply #2584 on: July 15, 2019, 08:55:11 AM »
Investments/cash:

6/30/19: $106,071
7/15/19: $109,270

The first half of July was spendy with last, expected prep we needed to do before baby gets here next month (pay some upfront birth costs, final items for kiddo, etc). The rest of this month should be smooth sailing with all excess funds going directly to savings. Really looking forward to that.

dcozad999

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Re: Race from 100 to 250k
« Reply #2585 on: July 16, 2019, 10:05:47 AM »

01/31/18           $198,264.59
02/28/18           $204,079.63
03/31/18           $204,079.63
04/30/18           $206,310.31
05/31/18           $207,731.13
06/30/18           $209,452.69
07/31/18           $218,450.07
08/31/18           $224,242.78
09/30/18           $227,036.87
10/31/18           $214,106.68
11/30/18           $219,948.36
12/31/18           $206,666.96
01/31/19           $224,401.47
02/28/19           $231,997.45
03/31/19           $236,710.41
04/30/19           $246,138.25
05/31/19           $245,062.03 (recorded on 6/10 as I was on vacation)
06/30/19           $256,868.43 (recorded on 7/13 as I was on another vacation)


Well I made it!  May stick around here for another month just to make sure, so I don't have to come slinking back to this thread.

UnexpectedExpenseExpector

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  • Age: 34
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Re: Race from 100 to 250k
« Reply #2586 on: July 18, 2019, 10:23:38 AM »
Getting to join this thread finally! We submitted our final student loan payment yesterday so going forward the reported numbers will be for cash and investments. 

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
June: 104,249.52
...
2021 Jul: 250,000 (GOAL)

Setting the goal to get out of here by July 2021.  I may adjust as we progress.

Nederstash

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Re: Race from 100 to 250k
« Reply #2587 on: July 19, 2019, 09:14:23 AM »
Hi all, I just graduated the 10-100k thread! I'm 32F from the Netherlands, single, saving 1400 euro a month on a 3373 euro take home pay. Only debt is mortgage. My savings go to investments, extra mortgage payments and emergency fund (which I all count in my networth) but some of it gets set aside for fun stuff like a big holiday.

Jul 19: 100741

jojoguy

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Re: Race from 100 to 250k
« Reply #2588 on: July 22, 2019, 08:19:47 AM »
Hi all, I just graduated the 10-100k thread! I'm 32F from the Netherlands, single, saving 1400 euro a month on a 3373 euro take home pay. Only debt is mortgage. My savings go to investments, extra mortgage payments and emergency fund (which I all count in my networth) but some of it gets set aside for fun stuff like a big holiday.

Jul 19: 100741

Being single and accomplishing this is huge! Congrats!

happypigday

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Re: Race from 100 to 250k
« Reply #2589 on: July 22, 2019, 10:09:13 PM »
PTF.  I belong in this thread strictly on (retirement - debt).  I'm hoping to deal with the debt so I can put more into savings / retirement and maybe someday graduate into the next thread (seems impossible but others here have done it)!

ItsALongStory

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  • Location: Western US
Re: Race from 100 to 250k
« Reply #2590 on: July 22, 2019, 10:32:29 PM »
PTF.  I belong in this thread strictly on (retirement - debt).  I'm hoping to deal with the debt so I can put more into savings / retirement and maybe someday graduate into the next thread (seems impossible but others here have done it)!
It goes faster than you would ever imagine. Just keep making the right choices

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Huskerfan

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Re: Race from 100 to 250k
« Reply #2591 on: July 25, 2019, 06:52:14 PM »
I’m jumping in this thread with a few ideas and thoughts in mind. I don’t plan to add house equity or extras like that. I’m not even going to add the spouse’s 401k. I’ll be solely tracking
My 401k and my Roth IRA Numbers to go toward the goal of $250k. I may add the savings account numbers later, but most of that pays toward the last of my mortgage and a basement remodel right now.

Wish me luck:

Jul2019 $102000

Valvore

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  • Formerly known as FireryFIRE
Re: Race from 100 to 250k
« Reply #2592 on: July 26, 2019, 12:48:38 PM »
VALVORE HAS ENTERED THE RACE!

1-2019 = $82,000
2-2019 = $90,000 (maxed 2018 IRA)
3-2019 = $102,600 (maxed DH 2018 IRA & 2018 HSA)
4-2019 = $107,800
5-2019 = $111,100
6-2019 = $121,400
7-2019 = $127,700
8-2019 = $?

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2593 on: July 26, 2019, 07:32:12 PM »
VALVORE HAS ENTERED THE RACE!

1-2019 = $82,000
2-2019 = $90,000 (maxed 2018 IRA)
3-2019 = $102,600 (maxed DH 2018 IRA & 2018 HSA)
4-2019 = $107,800
5-2019 = $111,100
6-2019 = $121,400
7-2019 = $127,700
8-2019 = $?

Welcome!

jojoguy

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Re: Race from 100 to 250k
« Reply #2594 on: July 28, 2019, 03:32:48 AM »
These are investments only between me and my wife`s 401ks, Traditional IRAs, and taxable brokerage accounts:

April 13, 2019 = $100,325.68
May 4, 2019 = $104,848.79
May 19, 2019 = $104,598.06
June 7, 2019 = $109,857.56
June 15, 2019 = $112,748.14
June 29, 2019 = $116,258.11
July 12, 2019 = $121,966.53
July 28, 2019 = $125,262.57($1,000 away from maxing out both of our IRAs for the year)

We hit that halfway point to 250K.

ItsALongStory

  • Bristles
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  • Posts: 265
  • Location: Western US
Re: Race from 100 to 250k
« Reply #2595 on: July 28, 2019, 07:24:41 AM »
These are investments only between me and my wife`s 401ks, Traditional IRAs, and taxable brokerage accounts:

April 13, 2019 = $100,325.68
May 4, 2019 = $104,848.79
May 19, 2019 = $104,598.06
June 7, 2019 = $109,857.56
June 15, 2019 = $112,748.14
June 29, 2019 = $116,258.11
July 12, 2019 = $121,966.53
July 28, 2019 = $125,262.57($1,000 away from maxing out both of our IRAs for the year)

We hit that halfway point to 250K.
Won't take long at this rate.

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Tyson

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Re: Race from 100 to 250k
« Reply #2596 on: July 28, 2019, 02:19:42 PM »
Sept 2015 - $125k
Sept 2016 - $192k
Sept 2017 - $339k
Sept 2018 - $395k
--DIVORCE--
Today - $128k

Shit.

35andFI

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Re: Race from 100 to 250k
« Reply #2597 on: July 28, 2019, 04:45:46 PM »
Sept 2015 - $125k
Sept 2016 - $192k
Sept 2017 - $339k
Sept 2018 - $395k
--DIVORCE--
Today - $128k

Shit.

I'm really sorry to hear about the divorce... but your presentation made me lol.

Here's mine, measured on the first of each month shown:

Jan 2019   $88,323.07
Feb 2019   $97,575.00
Mar 2019   $105,804.17
Apr 2019   $110,146.48
May 2019   $118,815.81
Jun 2019   $116,686.93
Jul 2019   $127,984.34
Aug 2019   $133,729.46 (estimated)

SeattleStache

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Re: Race from 100 to 250k
« Reply #2598 on: July 29, 2019, 12:55:46 PM »
First number is retirement savings, second is total NW including cash emergency savings and real estate equity.

January 2015: $98,619

January 2016: $101,235
December 2016: $140,779 (total NW $269,089)

January 2017: $151,307 (total NW $276,052)
December 2017: $193,677 (total NW $364,276)

January 2018: $203,876
December 2018: $194,973 (total NW $367,535)

January 2019: $210,742 (total NW $375,622)
February 2019: $220,342 (total NW $390,613)
March 2019: $222,125 (total NW $391,337)
April 2019: $228,200 (total NW $403,977)
May 2019: $223,933 (total NW $394,029)
June 2019: $238,000 (total NW $409,841)
July 2019: $245,030 (total NW $418,493) so close!


The total NW is over $250k but I'm focused on retirement only for this challenge. A good chunk of the NW is real estate equity.

dignam

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Re: Race from 100 to 250k
« Reply #2599 on: July 30, 2019, 06:04:12 AM »
Jun 2017 $112k
Jul 2017 $115k
Aug 2017 $111k [sold house and paid off student loans]
Sep 2017 $117k
Oct 2017 $121k
Nov 2017 $125k
Dec 2017 $126k [buying a house, lots of associated expenses]
Jan 2018 $132k [stellar market]
Feb 2018 $142k [closed on new house, 401k profit sharing lump sum]
Mar 2018 $141k
Apr 2018 $145k [paid off car]
May 2018 $153k
Jun 2018 $156k
Aug 2018 $166k
Sep 2018 $168k
Nov 2018 $152k [Ouch! clearly I'm investing aggressively]
Dec 2018 $149k
Jan 2019 $167k
Feb 2019 $177k
Mar 2019 $186k
Apr 2019 $195k [replaced 16 year old appliances that are falling apart + booked vacation]
May 2019 $197k
Jun 2019 $207k
Jul 2019 $212k