Author Topic: Race from 250 to 500k!  (Read 231910 times)

tyort1

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Re: Race from 250 to 500k!
« Reply #1250 on: August 09, 2018, 09:54:15 AM »
$395,000 as of today.  That's combined with my wife.  We'll see where things stand once the divorce is done and we have to split the assets.

I feel ya buddy.

Splitting the assets is bad, but being in an alimony state is even worse.  Future savings is lopped off with the stroke of a pen.  $3500 per month for the first couple of years, then $2600 per month for the next 3, then $1200 per month for a couple more years after that.  Which is gonna affect my savings rate pretty drastically.  Sucks.  Could be worse though.  CO law states I actually owe her $3500/month for 12 years.  The step downs are entirely a result of my spouse being reasonable about the $$.  CO is a great place to live, but not a great place to get divorced if you're a high earner and your spouse is not. 

onlykelsey

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Re: Race from 250 to 500k!
« Reply #1251 on: August 09, 2018, 01:56:38 PM »
$395,000 as of today.  That's combined with my wife.  We'll see where things stand once the divorce is done and we have to split the assets.

I feel ya buddy.

Splitting the assets is bad, but being in an alimony state is even worse.  Future savings is lopped off with the stroke of a pen.  $3500 per month for the first couple of years, then $2600 per month for the next 3, then $1200 per month for a couple more years after that.  Which is gonna affect my savings rate pretty drastically.  Sucks.  Could be worse though.  CO law states I actually owe her $3500/month for 12 years.  The step downs are entirely a result of my spouse being reasonable about the $$.  CO is a great place to live, but not a great place to get divorced if you're a high earner and your spouse is not.

Oof.  I hope my prenup works.

UnleashHell

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Re: Race from 250 to 500k!
« Reply #1252 on: August 09, 2018, 02:27:45 PM »
$395,000 as of today.  That's combined with my wife.  We'll see where things stand once the divorce is done and we have to split the assets.

I feel ya buddy.

Splitting the assets is bad, but being in an alimony state is even worse.  Future savings is lopped off with the stroke of a pen.  $3500 per month for the first couple of years, then $2600 per month for the next 3, then $1200 per month for a couple more years after that.  Which is gonna affect my savings rate pretty drastically.  Sucks.  Could be worse though.  CO law states I actually owe her $3500/month for 12 years.  The step downs are entirely a result of my spouse being reasonable about the $$.  CO is a great place to live, but not a great place to get divorced if you're a high earner and your spouse is not.

Oof.  I hope my prenup works.

yeah - when it comes to divorce the law does not recognise early retirement. it assumes you will continue to earn full wages right through to at least 65. It may view early retirement as an excuse to get out of paying alimony / child support.
ask me how I know - actually don't. Prenup/divorce settlement conference is the way to go. do not end up in front of a judge and let them decide.

onlykelsey

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Re: Race from 250 to 500k!
« Reply #1253 on: August 09, 2018, 03:10:12 PM »
Oof.  I hope my prenup works.

yeah - when it comes to divorce the law does not recognise early retirement. it assumes you will continue to earn full wages right through to at least 65. It may view early retirement as an excuse to get out of paying alimony / child support.
ask me how I know - actually don't. Prenup/divorce settlement conference is the way to go. do not end up in front of a judge and let them decide.

Helpful, thanks.  Hoping that prenup holds on no alimony, and that I can voluntarily lump sum him something to move things along (and also because it will make it easier for him to be a present father). 

UnleashHell

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Re: Race from 250 to 500k!
« Reply #1254 on: August 10, 2018, 05:57:13 AM »
Oof.  I hope my prenup works.

yeah - when it comes to divorce the law does not recognise early retirement. it assumes you will continue to earn full wages right through to at least 65. It may view early retirement as an excuse to get out of paying alimony / child support.
ask me how I know - actually don't. Prenup/divorce settlement conference is the way to go. do not end up in front of a judge and let them decide.

Helpful, thanks.  Hoping that prenup holds on no alimony, and that I can voluntarily lump sum him something to move things along (and also because it will make it easier for him to be a present father).

lump sum is always a good carrot to dangle. I did a small lump sum, paid for house and small but defined alimony. Basically she can use that and cover all of her household expense for the next 15 years.
I got to keep the 401k's which should increase in value much faster and cover the alimony. actually in the 9 onths since the settlement the increase already has covered the alimony.

Also my ex was very risk adverse so a paid for house was exactly the sort of thing she was happy with.  How risk adverse they are can play a factor in what you offer (and always start low).


We both came out of the settlement feeling hard done by so it was probably fair!

gmdv

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Re: Race from 250 to 500k!
« Reply #1255 on: August 13, 2018, 07:27:38 PM »
August 2017 - $295k
September 2017 - $310k
October 2017 - $314k
November 2017 - $319k
December 2017 - $328k
January 2018 - $336k
February 2018 - $331k
March 2018 - $341k
April 2018 - $345k
May 2018 - $353k
June 2018 - $376k
July 2018 - $379k

August 2018 - $379k

Same as last month,  which means I lost $2.25k this month.   Still feeling pretty good considered that I gained $84k this last year and the only saving I did was maxing my 401k and paying around 8k into home equity through regular mortgage payments.

JLee

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Re: Race from 250 to 500k!
« Reply #1256 on: August 15, 2018, 01:19:51 PM »
2017
Code: [Select]
Date             Assets           Debts          Net Worth
October 2017 $370,483.90 -$120,007.15 $250,476.80
December 2017 $382,100.79 -$121,838.12 $260,262.67

2018
Code: [Select]
Date             Assets           Debts          Net Worth
January 2018 $390,088.91 -$119,841.70 $270,247.21
February 2018 $393,016.96 -$118,184.89 $274,832.08
March 2018 $388,528.30 -$117,901.07 $270,627.23
April 2018 $396,987.40 -$118,619.04 $278,368.36
May 2018 $399,896.79 -$125,537.47 $274,359.32
June 2018 $393,835.05 -$119,226.10 $274,608.95
July 2018 $405,587.66 -$124.894.90 $280,692.80
Aug 15th 2018 $289,351.24 $0.00 $289,351.24

Special mid-month update -- I sold my house!!

I also have an escrow balance of $706.30, which I think I will get back -- and I should have approximately $495 coming back from my homeowners' insurance policy.  I'm also ignoring cars -- I have three with a combined value of approximately $40k, one of which is pending sale for $9k. So, hopefully I'll have a $10k bump again soon!  Today is a good day :)
« Last Edit: August 15, 2018, 01:28:52 PM by JLee »

neo von retorch

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Re: Race from 250 to 500k!
« Reply #1257 on: August 15, 2018, 01:27:06 PM »
@JLee As an optimist, I'd like to think that your latest "debt" figure should be a Positive Zero ;)

Congrats on the house sale and no debt!

onlykelsey

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Re: Race from 250 to 500k!
« Reply #1258 on: August 15, 2018, 01:28:16 PM »
$395,000 as of today.  That's combined with my wife.  We'll see where things stand once the divorce is done and we have to split the assets.

I feel ya buddy.

Splitting the assets is bad, but being in an alimony state is even worse.  Future savings is lopped off with the stroke of a pen.  $3500 per month for the first couple of years, then $2600 per month for the next 3, then $1200 per month for a couple more years after that.  Which is gonna affect my savings rate pretty drastically.  Sucks.  Could be worse though.  CO law states I actually owe her $3500/month for 12 years.  The step downs are entirely a result of my spouse being reasonable about the $$.  CO is a great place to live, but not a great place to get divorced if you're a high earner and your spouse is not.

Oof.  I hope my prenup works.

yeah - when it comes to divorce the law does not recognise early retirement. it assumes you will continue to earn full wages right through to at least 65. It may view early retirement as an excuse to get out of paying alimony / child support.
ask me how I know - actually don't. Prenup/divorce settlement conference is the way to go. do not end up in front of a judge and let them decide.

Someone else recommended I read through your old journal, so maybe I will ask you.  I'm 31 and have a 1 year old so things are different for me, but I suspect there may be some similarities. ETA: Actually I turned 32 and forgot.  I'm 32, ha.
« Last Edit: August 15, 2018, 01:30:33 PM by onlykelsey »

JLee

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Re: Race from 250 to 500k!
« Reply #1259 on: August 15, 2018, 01:28:37 PM »
@JLee As an optimist, I'd like to think that your latest "debt" figure should be a Positive Zero ;)

Congrats on the house sale and no debt!

LOL, I actually had it as a positive zero and then it was offset from all the other numbers in the column and it bothered me! I bet I can fix it with a space, though. I'm going to try that!

UnleashHell

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Re: Race from 250 to 500k!
« Reply #1260 on: August 15, 2018, 02:10:37 PM »
$395,000 as of today.  That's combined with my wife.  We'll see where things stand once the divorce is done and we have to split the assets.

I feel ya buddy.

Splitting the assets is bad, but being in an alimony state is even worse.  Future savings is lopped off with the stroke of a pen.  $3500 per month for the first couple of years, then $2600 per month for the next 3, then $1200 per month for a couple more years after that.  Which is gonna affect my savings rate pretty drastically.  Sucks.  Could be worse though.  CO law states I actually owe her $3500/month for 12 years.  The step downs are entirely a result of my spouse being reasonable about the $$.  CO is a great place to live, but not a great place to get divorced if you're a high earner and your spouse is not.

Oof.  I hope my prenup works.

yeah - when it comes to divorce the law does not recognise early retirement. it assumes you will continue to earn full wages right through to at least 65. It may view early retirement as an excuse to get out of paying alimony / child support.
ask me how I know - actually don't. Prenup/divorce settlement conference is the way to go. do not end up in front of a judge and let them decide.

Someone else recommended I read through your old journal, so maybe I will ask you.  I'm 31 and have a 1 year old so things are different for me, but I suspect there may be some similarities. ETA: Actually I turned 32 and forgot.  I'm 32, ha.

@onlykelsey  drop me a pm - not quite sure what help i can be but happy to offer my input. plus its no really connected to this thread (apart from me dropping back under 500k...)

SpareChange

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Re: Race from 250 to 500k!
« Reply #1261 on: August 16, 2018, 10:41:18 AM »
2017
Code: [Select]
Date             Assets           Debts          Net Worth
October 2017 $370,483.90 -$120,007.15 $250,476.80
December 2017 $382,100.79 -$121,838.12 $260,262.67

2018
Code: [Select]
Date             Assets           Debts          Net Worth
January 2018 $390,088.91 -$119,841.70 $270,247.21
February 2018 $393,016.96 -$118,184.89 $274,832.08
March 2018 $388,528.30 -$117,901.07 $270,627.23
April 2018 $396,987.40 -$118,619.04 $278,368.36
May 2018 $399,896.79 -$125,537.47 $274,359.32
June 2018 $393,835.05 -$119,226.10 $274,608.95
July 2018 $405,587.66 -$124.894.90 $280,692.80
Aug 15th 2018 $289,351.24 $0.00 $289,351.24

Special mid-month update -- I sold my house!!

I also have an escrow balance of $706.30, which I think I will get back -- and I should have approximately $495 coming back from my homeowners' insurance policy.  I'm also ignoring cars -- I have three with a combined value of approximately $40k, one of which is pending sale for $9k. So, hopefully I'll have a $10k bump again soon!  Today is a good day :)

Nice milestone. Congrats!!

Apples

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Re: Race from 250 to 500k!
« Reply #1262 on: August 17, 2018, 07:38:50 PM »
Hello!  I graduated into this thread a few months ago but neglected actually joining it.  So a recap of the last few months:

May 1 2018:  $250,453.08
June 1 2018:  $256,005.82
July 1 2018:  $259,624.40
August 1 2018:  $268,077.64  we both had an extra paycheck in June, which really upped what happened for the August 1 number

There was some discussion early in the thread of doing 250 to 500 as fast as you did 100 to 250.  For me, that would be 31 months, or November 2020.  NOT HAPPENING.  Nope, no way.  I'll be happy if it only takes 50 months, or June 2021.  We're looking to have kids in the next few years and our savings above the basic E-fund and 10% to retirement will be eaten by daycare.  Plus, our savings largely go into savings - a little over half of our net worth is in investments, the rest is cash savings/checking/cars and *saving for a farm*.  Farms aren't know for their steady 10% annual return.  So the net worth build will be slow.  It'll be interesting to see how this journey goes.  We aren't on the RE journey, so there's less motivation to hit a particular number and drive us forward.

RWD

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Re: Race from 250 to 500k!
« Reply #1263 on: August 17, 2018, 10:40:20 PM »
Hello!  I graduated into this thread a few months ago but neglected actually joining it.  So a recap of the last few months:

May 1 2018:  $250,453.08
June 1 2018:  $256,005.82
July 1 2018:  $259,624.40
August 1 2018:  $268,077.64  we both had an extra paycheck in June, which really upped what happened for the August 1 number

There was some discussion early in the thread of doing 250 to 500 as fast as you did 100 to 250.  For me, that would be 31 months, or November 2020.  NOT HAPPENING.  Nope, no way.  I'll be happy if it only takes 50 months, or June 2021.  We're looking to have kids in the next few years and our savings above the basic E-fund and 10% to retirement will be eaten by daycare.  Plus, our savings largely go into savings - a little over half of our net worth is in investments, the rest is cash savings/checking/cars and *saving for a farm*.  Farms aren't know for their steady 10% annual return.  So the net worth build will be slow.  It'll be interesting to see how this journey goes.  We aren't on the RE journey, so there's less motivation to hit a particular number and drive us forward.

With your ~50% equities path it should take roughly $7k/month of savings to reach the goal in 31 months. Assuming 6% return from the stock market and 1.75% return from the remaining portion of your stash. The 50 month time frame will require about $3,700/month, same assumptions.

Methods of Escape

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Re: Race from 250 to 500k!
« Reply #1264 on: August 18, 2018, 04:32:20 PM »
I'll throw my had into this race.  As of today were at $371,145 (excluding house).

Made Ok progress this month given the volatility in the markets:
7/20/18 - $371,145
8/18/18 - $380,011

doneby35

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Re: Race from 250 to 500k!
« Reply #1265 on: August 18, 2018, 06:02:46 PM »
Alright, I'm in!

08/18/2018: $252,962

Hoping for 270k by end of december.

Apples

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Re: Race from 250 to 500k!
« Reply #1266 on: August 19, 2018, 06:38:02 AM »
Hello!  I graduated into this thread a few months ago but neglected actually joining it.  So a recap of the last few months:

May 1 2018:  $250,453.08
June 1 2018:  $256,005.82
July 1 2018:  $259,624.40
August 1 2018:  $268,077.64  we both had an extra paycheck in June, which really upped what happened for the August 1 number

There was some discussion early in the thread of doing 250 to 500 as fast as you did 100 to 250.  For me, that would be 31 months, or November 2020.  NOT HAPPENING.  Nope, no way.  I'll be happy if it only takes 50 months, or June 2021.  We're looking to have kids in the next few years and our savings above the basic E-fund and 10% to retirement will be eaten by daycare.  Plus, our savings largely go into savings - a little over half of our net worth is in investments, the rest is cash savings/checking/cars and *saving for a farm*.  Farms aren't know for their steady 10% annual return.  So the net worth build will be slow.  It'll be interesting to see how this journey goes.  We aren't on the RE journey, so there's less motivation to hit a particular number and drive us forward.

With your ~50% equities path it should take roughly $7k/month of savings to reach the goal in 31 months. Assuming 6% return from the stock market and 1.75% return from the remaining portion of your stash. The 50 month time frame will require about $3,700/month, same assumptions.

Thanks for the info!  2 things - we'll buy a farm with the cash within the next 31 - 50 months, and I'll only have that appreciate in our budget by 1% a year (farmland is tricky to value, so I'm keeping my assumptions low and safe).  Then we'll be paying a loan with a bunch of interest on it for the farm...so that'll slow us down.  Thing 2 - umm, we don't even bring home $7k a month after taxes hahahahahaha.  We don't save much before taxes, just my SIMPLE IRA for the employer match, my husband doesn't have a work retirement account.  Due to the farm, generally the plan is to be making way too much money someday, so we save into Roths now.  The $3,700 a month is closer to realism, but probably still more than we'll manage in that time.  This is interesting data to have though, thanks for sharing.

RWD

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Re: Race from 250 to 500k!
« Reply #1267 on: August 19, 2018, 11:09:17 AM »
Hello!  I graduated into this thread a few months ago but neglected actually joining it.  So a recap of the last few months:

May 1 2018:  $250,453.08
June 1 2018:  $256,005.82
July 1 2018:  $259,624.40
August 1 2018:  $268,077.64  we both had an extra paycheck in June, which really upped what happened for the August 1 number

There was some discussion early in the thread of doing 250 to 500 as fast as you did 100 to 250.  For me, that would be 31 months, or November 2020.  NOT HAPPENING.  Nope, no way.  I'll be happy if it only takes 50 months, or June 2021.  We're looking to have kids in the next few years and our savings above the basic E-fund and 10% to retirement will be eaten by daycare.  Plus, our savings largely go into savings - a little over half of our net worth is in investments, the rest is cash savings/checking/cars and *saving for a farm*.  Farms aren't know for their steady 10% annual return.  So the net worth build will be slow.  It'll be interesting to see how this journey goes.  We aren't on the RE journey, so there's less motivation to hit a particular number and drive us forward.

With your ~50% equities path it should take roughly $7k/month of savings to reach the goal in 31 months. Assuming 6% return from the stock market and 1.75% return from the remaining portion of your stash. The 50 month time frame will require about $3,700/month, same assumptions.

Thanks for the info!  2 things - we'll buy a farm with the cash within the next 31 - 50 months, and I'll only have that appreciate in our budget by 1% a year (farmland is tricky to value, so I'm keeping my assumptions low and safe).  Then we'll be paying a loan with a bunch of interest on it for the farm...so that'll slow us down.  Thing 2 - umm, we don't even bring home $7k a month after taxes hahahahahaha.  We don't save much before taxes, just my SIMPLE IRA for the employer match, my husband doesn't have a work retirement account.  Due to the farm, generally the plan is to be making way too much money someday, so we save into Roths now.  The $3,700 a month is closer to realism, but probably still more than we'll manage in that time.  This is interesting data to have though, thanks for sharing.

No problem. It's fun running numbers. There's a lot of variability in the assumptions. If you assume 100% equities and 10% annual return it would take 36 months at $4k/month.

mrteacher

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Re: Race from 250 to 500k!
« Reply #1268 on: August 24, 2018, 12:40:56 PM »
Funny - as soon as I hit $250,000 I stopped posting with regularity. Here is the past few months:

4/1/16: $100,869
5/1/16: $104,268
6/1/16: $107,087
7/1/16: $112,489
8/1/16: $118,328
9/1/16: $120,838
10/1/16: $124,626
11/1/16: $126,949
12/1/16: $132,846
1/1/17: $141,336
2/1/17: $145,890
3/1/17: $152,308
4/1/17: $155,552
5/1/17: $160,430
6/1/17: $165,384
7/1/17: $174,224
8/1/17: $175,435
9/1/17: $220,249
10/1/17: $228,472
11/1/17: $237,860
12/1/17: $244,233
1/1/18: $249,568
2/1/18: $264,304
3/1/18: $260,119
4/1/18: $256,779
5/1/18: $259,718
6/1/18: $263,724
7/1/18: $265,235
8/1/18: $270,661
8/24/18: $277,497


UnleashHell

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Re: Race from 250 to 500k!
« Reply #1269 on: August 25, 2018, 05:06:47 AM »
well.
Hi there.
I left you guys some time ago when i moved up to the next thread.

then got divorced! Its not good for the net worth.


sooooo here we go again

nov-17 (settlement day for the divorce).
$300K
May-18
$375K

its heading the right way.

that divorce shit is expensive. costs more than money too!!

Nov-17 - 300k
May-18  - 375k
July -18 - 400k



woot! that the net figure. my liquid is higher and the situation is complicated due to the divorce. I'm happy with the rate of increase though.

Nov-17 - 300k
May-18  - 375k
July -18 - 400k
aug-18 - 410k

seems to be a steady 10k plus a month - on average. I'm ok with that. My investemnts have nearly broken 1/2 mill now. just have some debt to sort out related to the divorce and a stead acceleration to FIRE is the path.
if I can continue at the present rate then clearing 1/2m net should be mid 2019.
crazy how the compounding works.


my ex is risk adverse. she has a paid off house and some retirement accounts.
I got the 401k's and debt that is at a fixed rate. I'm pretty damn certain that the leverage I'm able to apply has helped me a lot. even though I'm paying out debt, alimony and child support the increase in investments plus what I'm able to stick in my 401k is helping me advance to fire way ahead of her. There will be some pleasure in seeing her working while I'm fired (and still paying alimony!).

achvfi

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Re: Race from 250 to 500k!
« Reply #1270 on: August 25, 2018, 07:15:45 PM »
Jun-16   $127,393.29
Sep-16   $152,642.65
Dec-16   $176,836.15
Mar-17   $204,673.44
Jun-17   $213,133.82
Sep-17   $208,244.34
Dec-17   $231,468.96
Mar-18   $252,633.43
Mar-18   $249550-INV  $381297 - NW ---> fell below 250K, what a rollercoaster this year has been!
Apr-18   $252,693 - INV $385,040 - NW
May-18  $263,950 - INV $396,500 - NW
June-18 $268,500 - INV $401,900 - NW ---> hope markets stay low for a while.
July-18  $279,100 - INV $414,336 - NW

25Aug-18 $286900 - INV $ 370200 - NW ---> Writing off 51k, we are spending on our family home for mom and dad, Property is mine, but highly illiquid for foreseeable future. Maybe next 40 years. 

use2betrix

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Re: Race from 250 to 500k!
« Reply #1271 on: August 29, 2018, 07:17:33 PM »
Hopefully this little rally at the end of the month keeps up! Should make for some good month-end numbers!

jlcnuke

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Re: Race from 250 to 500k!
« Reply #1272 on: August 30, 2018, 06:04:28 AM »

1 January 2018   - $295,835.
1 April 2018        - $305,001.
1 May 2018        - $316,277.
1 June 2018        - $332,814.
1 July 2018 (ish)  - $330,715.
1 August 2018     - $346,023.


Going out of town tomorrow for vacation so updating a bit early.

1 January 2018   - $295,835.
1 April 2018        - $305,001.
1 May 2018        - $316,277.
1 June 2018        - $332,814.
1 July 2018 (ish)  - $330,715.
1 August 2018     - $346,023.
30 August 2018    - $362,001.

Imustacheyouaquestion

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Re: Race from 250 to 500k!
« Reply #1273 on: August 31, 2018, 08:51:51 AM »
Jul 2018     $250,737.17
Aug 2018     $258,326.17 
Sep 2018     $271,396.46 +13,070.29

https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/edit#gid=0

Big month with an annual bonus on one W-2 check, an annual raise kicking in on the other W-2, and a few side hustle checks. Combined with a low month of expenses, our savings rate was over 70% this month!

Asset allocation is a little heavy on cash with an upcoming home renovation in the works. Otherwise, I'm continuing to build up the balance in our brokerage account while I research rental property options.

Stretching to hit $300k by January 1.
« Last Edit: August 31, 2018, 08:53:29 AM by Imustacheyouaquestion »

hudsoncat

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Re: Race from 250 to 500k!
« Reply #1274 on: August 31, 2018, 09:59:23 AM »
Still investments only. Nothing special this month on the savings front; just the normal automatic investments. Investments just kept churning.

6/30/18: $253,884
7/31/18: $264,666
8/31/18: $276,905

JLee

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Re: Race from 250 to 500k!
« Reply #1275 on: August 31, 2018, 10:46:51 AM »
2017
Code: [Select]
Date             Assets           Debts          Net Worth
October 2017 $370,483.90 -$120,007.15 $250,476.80
December 2017 $382,100.79 -$121,838.12 $260,262.67

2018
Code: [Select]
Date             Assets           Debts          Net Worth
January 2018 $390,088.91 -$119,841.70 $270,247.21
February 2018 $393,016.96 -$118,184.89 $274,832.08
March 2018 $388,528.30 -$117,901.07 $270,627.23
April 2018 $396,987.40 -$118,619.04 $278,368.36
May 2018 $399,896.79 -$125,537.47 $274,359.32
June 2018 $393,835.05 -$119,226.10 $274,608.95
July 2018 $405,587.66 -$124.894.90 $280,692.80
Aug 15th 2018 $289,351.24 $0.00 $289,351.24
Aug 2018 $296,066.75 -$1,507.49 $294,559.30

I was impatient and ran my net worth yesterday, but had some time today so I redid it. I'm up $1200, lol.. This is going to be much different when the market eventually drops!

Woodro85

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Re: Race from 250 to 500k!
« Reply #1276 on: August 31, 2018, 02:03:20 PM »
Forgot to jump to this thread when I passed the $250k mark so will do now. Had a really good last year and starting to feel that snowball play a factor. My goal is to be over $500k within 2 years. I'm confident I can do it before that but I also have some household and educational expenses that will challenge me to get there. So August 1, 2020 = a half millionaire! Let's go!

August 1, 2018 - $393,286
Broke the $400k mark in NW!  I was reviewing my spreadsheets and it absolutely blows me away that I was sitting with a negative net worth 4.5 years ago! No hand outs, just an eye opening read of MMM and some serious hard work and conscious decisions.

June 1, 2018 - $385,931
July 1, 2018 - $389,444
August 1, 2018 - $393,286
September 1, 2018 - $406,838       + $13,552 m/m

Bigger jump than normal for me as I got my annual pension update and found out I was under reporting for last year in my spreadsheets. Also had a bit of a raise Aug 1.

turketron

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Re: Race from 250 to 500k!
« Reply #1277 on: August 31, 2018, 03:57:21 PM »
April 2015: $98k
May 2015: $111k
June 2015: $112k
July 2015: $113k
Aug 2015: $113k
Sept 2015: $116k
Nov 1 2015: $120,330.91
Dec 1 2015: $138,810.56

Jan 1 2016: $141,251.00
Feb 1 2016: $135,573.00
Mar 4 2016: $138,331.39
Apr 1 2016: $146,788.37
May 1 2016: $149,149.52
Jun 1 2016: $161,205.21
July 1 2016: $165,947.80
Aug 1 2016: $176,198.00
Sep 1 2016: $178,840.37
Oct 1 2016: $184,372.64
Nov 1 2016: $181,625.28
Dec 1 2016: $187,972.57

Jan 1 2017: $193,414.19
Feb 1 2017: $200,758.63
Mar 1 2017: $211,677.78
Apr 1 2017: $217,643.71
May 1 2017: $225,773.04
Jun 1 2017: $232,222.09
July 1 2017: $235,779.19
Aug 1 2017: $244,461.55
Sept 1 2017: $247,101.69
Oct 1 2017: $256,365.91
Nov 1 2017: $266,140.14
Dec 1 2017: $279,806.93

Jan 1 2018: $283,829.36
Feb 1 2018: $304,851.88
Mar 1 2018: $303,796.17
Apr 1 2018: $307,682.67
May 1 2018: $315,634.59
Jun 1 2018: $337,046.55
July 1 2018: $340,399.63
Aug 1 2018: $363,304.76
Sept 1 2018: $385,572.12

Not quite the first but the banks aren't open tomorrow anyway. Company stock is at at all-time high, so I liquidated a bunch of the RSUs I've been granted over the years to dump into VTSAX. Historically a large enough portion of my portfolio to be worried about, but it's jumped up enough recently that I was feeling a little overweight with all (or a big chunk) of my eggs in the one basket.

SpareChange

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Re: Race from 250 to 500k!
« Reply #1278 on: August 31, 2018, 11:43:06 PM »
Up $6,759 to $274,443. Nothing too special happened, just solid progress.

You guys are killing it!!

dandypandys

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Re: Race from 250 to 500k!
« Reply #1279 on: September 01, 2018, 04:21:15 AM »

2017
Jan 1st: 252k
Feb 1st: 257k
Mar 1st: 269k    (4k back in taxes :)
April 1st: 273k
May 1st: 287 Net Worth 10k jump is our condo on zillow.
June 1st: 292
July 4th: 295
Aug 1st: 294k  Had to use 8k for new HVAC
Sept 1st: 296 
Oct 1st 302 Back to full pay going fwd- always fun to pass a round number :)
Nov 2nd:  314
Dec 4th 322.5k   

2018
Jan 1st:316.5k bought a car and a new stove.. spendy month but 64.5k up for the year! :)
Feb 2nd: 330.5k
March 2nd:331k
April 4th: 326k market downturn, plus 4k flights
May 1st:333.5k
June 1st: 343.5k ($243.5 without condo)
July 3rd: 347.5
August 1st: 359.5k ($259.5 without condo)
Sept 1st: $369k /269k

MrsWolfeRN

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Re: Race from 250 to 500k!
« Reply #1280 on: September 01, 2018, 04:36:50 AM »
2017
Jan 1: 236,254
Feb 1: 250,055
Mar 1: 262,196
Apr 1: 269,959
May 1: 282,665
Jun 1: 284,827
Jul 1: 292,037
Aug 1: 293,168
Sep 1: 297,489
Oct 1: 303,111
Nov 1: 309,583
Dec 1: 316,618

2018
Jan 1: 322,183
Feb 1: 332,735
Mar 1: 328,393
April 1: 327,048
May 1: 332,943
June 1: 339,934
July 1: 341,553
Aug 1: 351,978

Sep 1: 356,877

use2betrix

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Re: Race from 250 to 500k!
« Reply #1281 on: September 01, 2018, 06:35:05 AM »
Feb 1, 2016 - $90k
Apr 1, 2016 - $100k 
Jan 1, 2017 - $177k
(Massive 2017 sabbatical - worked 4.5 months)
Dec 1, 2017 - $187k
Jan 1, 2018 - $196k
Feb 1, 2018 - $214,462
Mar 1, 2018 - $225,651
Apr 1, 2018 - $238,764
May 1, 2018 -$251,725
June 1, 2018 - $265,145
July 1, 2018 - $272,423
Aug 1, 2018 - $277,896
Sep 1, 2018 - $298,543

My only saving grace this month was that it was a three paycheck month and a bit of a stock market bump. I spent $1100 on AC repair, $1400 on medical, and a $1000 on a gift for my parents.

Regardless - very happy where my numbers still ended up, just need to get my spending under control.
« Last Edit: September 01, 2018, 10:29:42 AM by use2betrix »

achvfi

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Re: Race from 250 to 500k!
« Reply #1282 on: September 01, 2018, 09:24:46 AM »
Jun-16   $127,393.29
Sep-16   $152,642.65
Dec-16   $176,836.15
Mar-17   $204,673.44
Jun-17   $213,133.82
Sep-17   $208,244.34
Dec-17   $231,468.96
Mar-18   $252,633.43
Mar-18   $249550-INV  $381297 - NW ---> fell below 250K, what a rollercoaster this year has been!
Apr-18   $252,693 - INV $385,040 - NW
May-18  $263,950 - INV $396,500 - NW
June-18 $268,500 - INV $401,900 - NW ---> hope markets stay low for a while.
July-18  $279,100 - INV $414,336 - NW
Aug-18 $291293 - INV $ 376293 - NW ---> Writing off 51k, we are spending on our family home for mom and dad, Property is mine, but highly illiquid for foreseeable future. Maybe next 40 years.

Mustachio Bashio

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Re: Race from 250 to 500k!
« Reply #1283 on: September 01, 2018, 09:37:28 AM »
2/17 - 167,752
3/17 - 177,448
4/17 - 183,917
5/17 - 189,025
6/17 - 195,189
7/17 - 202,048
8/17 - 211,263
9/17 - 215,880
10/17 - 222,924
11/17 - 230,962
12/17 - 238,389
1/18 - 247,829
2/18 - 263,000
3/18 - 254,401
5/18 - 267,000
6/18 - 273,062
7/18 - 278,308
8/18 - 287,779
9/18 - 298,772

facepalm

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Re: Race from 250 to 500k!
« Reply #1284 on: September 01, 2018, 12:05:28 PM »
Apr-17   255,900
May-17  263,800
Jun-17   268,100
Jul-17    273,100
Aug-17  276,800
Sep-17  284,500
Oct-17   292,100
Nov-17  302,000
Dec-17  309,500
Jan-18  318,100
Feb-18  321,800
Mar-18  313,540
Apr-18  322,810
May-18  328,600
June-18 331,857
July-18  340,250
Aug-18  341,769

Had a bunch of expenses (insurance, registration, plus travel) with no contributions to retirement accounts (I get paid on an 11 month schedule). Still managed to eke out a small gain.


FireRun

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Re: Race from 250 to 500k!
« Reply #1285 on: September 01, 2018, 12:11:48 PM »
I'll jump in. It's been a good year. Stretch goal is to hit $500K by the end of 2018.

1-2012: $5250
1-2013: $19330
1-2014: $52312
1-2015: $128996
1-2016: $159167
1-2017: $242885
1-2018: $363983
2-2018: $387278
3-2018: $379969
4-2018: $382572
5-2018: $386817
6-2018: $400930
7-2018: $408479
8-2018: $425766
9-2018: $443186

Making steady progress.


2Birds1Stone

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Re: Race from 250 to 500k!
« Reply #1286 on: September 01, 2018, 08:41:17 PM »
1/1/2012 - $30,000
1/1/2013 - $41,000
1/1/2014 - $60,000
1/1/2015 - $82,000
1/1/2016 - $140,000
1/1/2017 - $256,000

01/01/18 - $361,700
02/01/18 - $375,000
03/01/18 - $376,900
04/01/18 - $378,000
05/01/18 - $384,000
06/01/18 - $402,800
07/01/18 - $408,000
08/01/18 - $419,000
09/01/18 - $422,600

$519k Combined with SO. (graduating to the $500k->$1M thread)

Pizzabrewer

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Re: Race from 250 to 500k!
« Reply #1287 on: September 02, 2018, 07:50:42 AM »
1/1/2017:  $170,881  (start of tracking)
2/1/2017:  $183,768 
3/1/2017:  $197,020 
4/1/2017:  $202,363 
5/1/2017:  $223,229
6/1/2017:  $244,355
7/1/2017:  $249,532 
graduated to this thread!
8/1/2017:  $262,500
9/1/2017:  $270,766
10/1/2017:  $287,535
11/1/2017:  $302,991
12/1/2017:  $303,901
1/1/2018:  $292,875
9/1/2018:  $374,869

It's been a while since I updated.  We somewhat fell off the MMM wagon this year.  Restaurant meals/carryout has always been our weakness and it seems we can't avoid the $30 or $50 pointless purchases.  Also our investments performed poorly for most of the year.  Add that all up and it was too depressing to continue tracking NW.

Well in the past few weeks we've won the stock-picking lottery (as I've detailed in the "Shoot, I Just Stock Picked" thread in Investor Alley) and our NW has rocketed back up.  I realize this isn't celebrated here in facepunch-land and now that it's getting into real money I'm thinking of selling all but a handful of shares and putting it into index funds.  For the record all money we've been saving for the past year+ has been going into index funds.  However when the stocks take such big leaps they continue to be a big part of our NW (over 30% at this point).  One stock alone (EXAS) has been the source of ~$100k of our gains.

In any event it's been a remarkable run.  This year we are up 28% and since we started this journey on 1/1/2017 we are up 120% in NW.  Perhaps now is the time to jump off the stock picking bullet train before it crashes off the rails?
« Last Edit: September 02, 2018, 07:57:14 AM by Pizzabrewer »

Res Ipsa

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Re: Race from 250 to 500k!
« Reply #1288 on: September 02, 2018, 09:44:05 AM »
June 1, 2017:    $349,328
July 1, 2017:     $362,675
Aug. 1, 2017:    $373,748
Sept. 1, 2017:   $378,549
Oct. 1, 2017:     $389,829
Nov. 1, 2017:    $396,444
Dec. 1, 2017:    $407,245
Jan. 1, 2018:     $412,626
Feb. 1, 2018:     $433,521
March 1, 2018:  $418,873
April 1, 2018:    $410,875
May 1, 2018:     $439,719
June 1, 2018:    $446,814
July 1, 2018:     $451,330
Aug. 1, 2018:    $469,413
Sept. 1, 2018:   $491,582 (Good month in the markets + normal investing + started including a small retirement account previously unaccounted for.)

Disclaimer: All amounts include kids' college funds, so are overstated in the sense that not all funds/gains will go toward FI.  But "counting" them helps motive me to continue funding the 529s.   

aneel

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Re: Race from 250 to 500k!
« Reply #1289 on: September 02, 2018, 09:56:11 AM »
Solid 4% gains last month. Closing in on $300k - 295,592

JJsfr

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Re: Race from 250 to 500k!
« Reply #1290 on: September 02, 2018, 10:21:15 AM »
Jan 2017  $275k
Feb 2017  $287k $???
Mar 2017 $276k
Apr 2017 $282k
May 2017 $287k
Jun 2017 $290k
Jul 2017 $304k
Aug 2017  $311k
Sep 2017 $319k
Oct 2017  $327k
Nov 2017 $331k
Dec 2017  $338k
Jan 2018 $356k
Feb 2018 $426k (windfall)
Mar 2018 $424k
Apr 2018 $435k
May 2018 $437k
Jun 2018 $445k
Jul 2018 ???

Aug 2018 $453k

Who knows where I was in July, but getting closer to getting out of here!

pharmmm

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Re: Race from 250 to 500k!
« Reply #1291 on: September 02, 2018, 10:59:13 AM »
Hello all!

Dates   Assets               Debts           Net
Apr-14   $38,972.76   $393,289.34   -$354,316.58 - graduating residency
Nov-14   $380,363.73   $671,998.49   -$291,634.76 - bought house, peak of debt
Jan-15   $408,128.84   $668,469.17   -$260,340.33
Jan-16   $454,423.82   $597,546.26   -$143,122.44
Jan-17   $490,718.93   $518,872.32   -$28,153.39
May-17   $503,509.72   $500,967.67   $2,542.05 - positive NW!
Jun-17   $516,981.58   $501,052.12   $15,929.46
Jul-17   $543,077.53   $503,380.09   $39,697.44
Aug-17   $553,633.12   $497,853.34   $55,779.78
Sep-17   $564,594.36   $485,517.12   $79,077.24
Oct-17   $574,972.17   $482,883.67   $92,088.50
Nov-17   $583,848.08   $472,289.18   $111,558.90
Dec-17   $582,040.50   $471,001.56   $111,038.94
Jan-18   $615,051.82   $468,109.54   $146,942.28
Feb-18   $616,856.03   $466,014.90   $150,841.13
Mar-18   $620,238.46   $463,495.91   $156,742.55
Apr-18   $636,975.55   $464,219.19   $172,756.36
May-18   $664,572.81   $462,770.85   $201,801.96
Jun-18   $676,693.69   $461,907.41   $214,786.28
Jul-18   $664,484.76   $432,715.60   $231,769.16 - finished paying off wife's student loans
Aug-18   $682,342.60   $433,219.13   $249,123.47 - graduated 100k-250k thread

Finances combined with wife, both pharmacists. We're in 100% stock indexes with 274k in our roth IRA's/401ks. Going to do a 50/50 mortgage payoff/taxable account strategy.

Stretch goal is finishing this race by the end of 2019.

Pizzabrewer

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Re: Race from 250 to 500k!
« Reply #1292 on: September 02, 2018, 12:47:38 PM »

Going to do a 50/50 mortgage payoff/taxable account strategy.


Don't let boarder42 see you say that!

Seriously, check out the Don't Pay Off Your Mortgage thread. In the US with typical mortgage rates, you're much better off not paying down your mortgage.

Congrats on the huge progress the past 4 years!

RWD

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Re: Race from 250 to 500k!
« Reply #1293 on: September 02, 2018, 02:47:33 PM »

Going to do a 50/50 mortgage payoff/taxable account strategy.


Don't let boarder42 see you say that!

Seriously, check out the Don't Pay Off Your Mortgage thread. In the US with typical mortgage rates, you're much better off not paying down your mortgage.

Congrats on the huge progress the past 4 years!

Link to thread

50/50 is just about the worst possible strategy...

AFrugalGuy

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Re: Race from 250 to 500k!
« Reply #1294 on: September 02, 2018, 08:16:59 PM »
As a couple. Tracking update:

12/31/2017: $316,696.77
1/31/2018: $322,613.77
2/28/2018: $323,034.64
3/31/2018: $335,098.02
4/30/2018: $339,987.44
5/31/2018: $351,917.90
6/30/2018: $354,200.93
7/31/2018: $371,609.06
8/31/2018: $383,206.06

Now on track for ~$413k by year-end.

Jaayse

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Re: Race from 250 to 500k!
« Reply #1295 on: September 03, 2018, 12:58:26 PM »
2017
April 15 -           164,900
May 1 -             ? (Lost info)
June 1 -            ? (Lost info)
July 1 -             180,808
August 10 -       189,280
September 1 -   193,727
October 1 -        209,968
November 1 -     220,602
December 1 -     225,918

2018
January 1-         232,213
February 1 -       245,447
March 1 -           242,789
April 1 -             246,140
May 1 -              318,398 (sold house)
June 1 -             328,870
July 1 -              342,159
August 1 -          354,936
September 1 -    366,727

Recently it seems like every month my savings total increases by more than what I earn, I know my pay stub before taxes is not over 10k! 

afuera

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Re: Race from 250 to 500k!
« Reply #1296 on: September 04, 2018, 09:59:50 AM »
12/1/2017: INV-$256,324.07    NW-$266,011.53

1/1/2018: INV-$265,731.22    NW-$277,837.89
2/1/2018: INV-$286,459.76    NW-$301,344.36
3/1/2018: INV-$284,266.50    NW-$297,619.99
4/1/2018: INV-$290,389.61    NW-$303,478.81
5/1/2018: INV-$306,848.16    NW-$325,512.99
6/1/2018: INV-$317,738.59    NW-$335,673.14
7/1/2018: INV-$321,370.44    NW-$346,447.04
8/1/2018: INV-$339,398.86    NW-$360,632.60
9/1/2018: INV-$353,410.60    NW-$376,977.51

Nothing special.

pharmmm

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Re: Race from 250 to 500k!
« Reply #1297 on: September 04, 2018, 10:15:20 AM »

Going to do a 50/50 mortgage payoff/taxable account strategy.


Don't let boarder42 see you say that!

Seriously, check out the Don't Pay Off Your Mortgage thread. In the US with typical mortgage rates, you're much better off not paying down your mortgage.

Congrats on the huge progress the past 4 years!

Link to thread

50/50 is just about the worst possible strategy...

So I should know this, but I've never held money in a taxable account. I still have $180,000 in student loans that are on an income based repayment program that will be forgiven in 6 years. Not here to argue about the ethics of that, I've fleshed that out already. The reason I bring this up is that my yearly payment on my student loan is 10% of my taxable income. My question is would the dividends/interest that a taxable account would generate be considered income? I've heard of a 1099-DIV. Even if I re-invest them, would I pay taxes on them immediately or only when I withdrawal? I need to do the calculation of how that would affect my decision to do mortgage vs taxable (i.e. an additional 10% penalty on any taxable income the taxable account would generate due to dividends/interest).

neo von retorch

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Re: Race from 250 to 500k!
« Reply #1298 on: September 04, 2018, 10:19:36 AM »
Net Worth
Quote
12/31/2015:     $245,147
1/31/2016:       $253,633
2/29/2016:       $265,274
3/31/2016:       $261,821
4/30/2016:       $273,255
5/31/2016:       $279,364
6/30/2016:       $287,929
7/31/2016:       $280,650
8/31/2016:       $292,791
9/30/2016:       $301,263
10/31/2016:     $300,583
11/30/2016:     $307,726
12/31/2016:     $319,285 (+11,559)
1/31/2017:       $326,030 (+6,745)
2/28/2017:       $334,870 (+8,840)
3/31/2017:       $350,826 (+15,956)
4/30/2017:       $353,693 (+2,867)
5/31/2017:       $359,361 (+5,668)
6/30/2017:       $366,395 (+7,034)
7/31/2017:       $371,986 (+5,591)
8/31/2017:       $377,400 (+5,414)
9/30/2017:       $391,019 (+13,619)
10/31/2017:     $395,496 (+4,477)
11/30/2017:     $405,169 (+9,673)
12/31/2017:     $431,163 (+25,994)
1/31/2018:       $429,408 (-1,755)
2/28/2018:       $438,436 (+9,028)
3/31/2018:       $456,239 (+17,803)
4/30/2018:       $458,004 (+1,765)
5/31/2018:       $467,796 (+10,173)
6/30/2018:       $484,572 (+16,776)
7/31/2018:       $486,420 (+1,848)
8/31/2018:       $502,494 (+16,074)

Liquid + Investments
Quote
11/30/2017$244,302(+$5,973)
12/31/2017$269,821(+$25,519)
1/31/2018$267,190(-$2,631)
2/28/2018$273,837(+$6,647)
3/31/2018$289,294(+$15,457)
4/30/2018$287,707(-$1,587)
5/31/2018$295,040(+$7,318)
6/30/2018$300,603(+$5,563)
7/31/2018$299,781(-$822)
8/31/2018$317,760(+$17,979)

And... yup. Paying out over $8k in taxes, health insurance timing worked out that it came out at the beginning and the end of the month. And, OK, I did order a $700 laptop last week. Eating out and apparel were a little high. My rental is kind of a mess right now, so it's not bringing in much money. Otherwise things were all reasonable. So we dipped below $300k liquid/investments, and we're not to $500k yet. I can't guarantee we'll make it there in August. Property tax on the rental, plus rental maintenance costs will be high. There's a decent chance I'll be back up to full rent by the end of the week, and that will relieve a lot of pain for me!

(The market has been doing well, though not enough to make up $14k right now. Either way, the market shifts and dividends will not be logged again until September 30.)

Well, would you look at that! Net worth now exceeds $500k! I plan to continue in this thread on my journey to $500k in investments, if that's OK with you.

This was just a solid income month - three contracting paychecks.

RWD

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Re: Race from 250 to 500k!
« Reply #1299 on: September 04, 2018, 10:32:07 AM »
I plan to continue in this thread on my journey to $500k in investments, if that's OK with you.

No! You must join us in the race to $1m thread! No looking back!