Race from 250 to 500k!

[dignam]

Feb 2020 $253k
Mar 2020 $221k [COVID-19]
Apr 2020 $239k
May 2020 $244k
Jun 2020 $265k
Jul 2020 $269k
Aug 2020 $281k

[Lucky Recardito]

Investments only, sans home equity:

01/1/18 $244K
04/1/18 $259K
07/1/18 $282K
10/1/18 $314K

01/1/19 $289K - this was all market drop; savings were normal during this time
04/1/19 $351K
07/1/19 $380K
10/1/19 $384K - pulled a chunk out of our HSA to pay for childbirth costs incurred earlier in the year; also started daycare; husband took 2 months unpaid paternity leave... savings rate currently in the toilet

Does not include roughly $30K in cash.

Anticipated graduation: early 2021

Haven't updated here for a while, but actually graduated recently and have no one in real life to celebrate with, so here goes!

Investments only, sans home equity:

01/1/18 $244K
04/1/18 $259K
07/1/18 $282K
10/1/18 $314K

01/1/19 $289K - this was all market drop; savings were normal during this time
04/1/19 $351K
07/1/19 $380K
10/1/19 $384K - pulled a chunk out of our HSA to pay for childbirth costs incurred earlier in the year; also started daycare; husband took 2 months unpaid paternity leave... savings rate temporarily in the toilet

1/1/20 $445K
4/1/20 $373K - all market drop; no behavior change
7/1/20 $477K
8/1/20 $508K

Does not include roughly $30K in cash.

Graduated roughly 6-8 months sooner than what I expected. TBD whether I stay graduated or if the market goes back down again... I think the interesting things for me here are: (1) focusing on throwing most extra $$ into investments is paying off in moving things along faster, and (2) introducing a child to our life impacted our savings pace less than I would have thought. There was an impact for sure, but we got back to hustling to make up for it.

[lampstache]

Investments only

 1/2017   - 34,633
 1/2018   - 56,928
 1/2019   - 98,248

 1/2020   - 176,153
 2/2020   - 182,362
 3/2020   - 171,868
 4/2020   - 178,606
 5/2020   - 255,004
 6/2020   - 287,981
 8/2020   - 326,686

** Important to note we sold our house where we had $170k+ equity in it and bought a new house with VA loan. VA loan allowed for no money down so close to 100k of the proceeds have been put into the market over the last handful of months starting around April. THIS IS NOT NORMAL FOR US!

[ZsaZsa]

Portfolio totals:
1/28/20 $253,542.85
2/20/20 $264,385.15
2/28/20 $241,121.58
3/13/20 $209,201.71 
4/3/20  $214,113.72
4/30/20 $241,361.42   
5/27/20 $252,278.03
6/8/20 $265,620.41
6/30/20 $260,161.31
8/20/20 $287,415.26  Well, I missed totaling at the end of July, retirement during gardening season is hard work! Add to that some computer issues, and I've been more or less out of touch for a few weeks. Hopefully we're up an running now for a while.

[onecoolcat]

Jumping in to this race!  Hope I can stick around!

12/31/2014  -$62,000.00
12/31/2015  -$17,983.31
03/31/2016   $115.06
12/31/2017   $105,000.00
12/31/2018   $100,000.00
03/15/2019   $122,328.06
06/01/2019   $142,594.00
12/31/2019   $182,677.98
08/20/2020   $265,573.65

[Steeze]

Investments only

 1/2017   - 34,633
 1/2018   - 56,928
 1/2019   - 98,248

 1/2020   - 176,153
 2/2020   - 182,362
 3/2020   - 171,868
 4/2020   - 178,606
 5/2020   - 255,004
 6/2020   - 287,981
 8/2020   - 326,686

** Important to note we sold our house where we had $170k+ equity in it and bought a new house with VA loan. VA loan allowed for no money down so close to 100k of the proceeds have been put into the market over the last handful of months starting around April. THIS IS NOT NORMAL FOR US!

Nice work!

[Genevieve]

Congrats @Lucky Recardito ! We just tipped over this month as well. We will see if ours sticks as well.

We had a baby in October and things are still humming asking for us too. I feel like we keep getting lucky and saving now than expected.

[Edwards]

Joining the club.

Currently at $330,000 (counting only invested money)
Have the ability to save $37k a year.
Plan on hitting $500k in September 2023. 
This of course depends on how well the market performs.

I've looked through several posts on this thread. Some people are able to save a lot more than me and others less. Regardless of your circumstance, consistency is key. Good luck everyone.

[SeattleStache]

First number is retirement savings & other long term investments, second is total NW including cash emergency savings and real estate equity. I'm focused on retirement only for this challenge rather than total NW.

September 2019: $261,238 (total NW $387,863)
October 2019: $260,934 (total NW $381,797)
November 2019: $280,569 (total NW $405,660)
December 2019: $292,062 (total NW $423, 991)
January 2020: $299,351 (total NW $430,390)
February 2020: $281,810 (total NW $412,616) ouch!
March 2020: $249,818 (total NW $390,340) double ouch!
April 2020: $273,408 (total NW $426,464)
May 2020: $300,289 (total NW $453,672)
June 2020: $313,013 (total NW $456,056)
July 2020: $330,819 (total NW $473,215)
August 2020 $351,475 (total NW $498,660)

[malachite]

With the Coronavirus market bust inexplicably behind us, I decided I could look at my accounts again.  Turns out that after going back and filling out the missing months things weren't so bad. My non-equity investments never dropped below 250k (so I can stay in this group), and are actually up about 13% for the year (although at least half of that is contributions, not earnings)

	Investments	Real Estate Equity	NetWorth
NOV 2019	286k	193k	480k
DEC 2019	292k	195k	487k
JAN 2020	293k	196k	489k
FEB 2020	288k	197k	485k
MAR 2020	260k	198k	458k
APR 2020	285k	199k	483k
MAY 2020	306k	200k	505k
JUN 2020	311k	200k	511k
JUL 2020	326k	201k	527k
AUG 2020	334k	202k	536k

[Steeze]

5th month in a row my portfolio made more than I did. Feels pretty good.

Although - the portfolio is about 1/4 the size it should be to do this sustainably. If I could put up numbers like this every month I would quit tomorrow.

I did tell DW that out portfolio is bringing in about as much as a full time job at minimum wage. Which is also a neat milestone. No more second jobs for me.

[Nick_Miller]

Posted early, I figure there's only one more market day in the month so who cares?

Sept. 2018   $252,544.08
Nov.  2018   $248,197.15
Dec.  2018   $256,394.61
Jan.  2019   $252,481.67
Feb.  2019   $287,793.45
Mar.  2019   $304,683.46
April  2019  $311,927.67
May 2019    $320,971.09
June 2019   $315,026.35
July 2019    $326,646.84
Aug 2019    $333,750.35
Sept 2019   $331,716.00
Oct 2019     $338,088.89
Nov 2019    $348,140.01
Dec 2019    $356,233.57
Jan 2020    $364,075.39
Feb 2020    $374,691.07
Mar. 2020   $373,208.41
April 2020  $347,174.09
May 2020   $379,369.40
June 2020  $392,456.38
July 2020  $401,514.57
Aug 2020  $420,905.96
Sept 2020 $437,594.31

Another good month! The election scares me, but I doubt I'm the only one in that camp. On pace to hit $500K by spring or so, assuming I keep my job.

[nick663]

@UnleashHell @nick663 @neo von retorch @ingrownstudentloans @fuzzy math  you are close to graduation,do you have projected graduation dates?

Thanks!  Q3 might happen if the market continues upward like it has been but realistically we're probably looking at Q4.

@oneday

Funny, I punched some numbers in today (401ks, investments) and as of today we would graduate to the next thread.

We only calculate NW quarterly though so hopefully it holds or continues to go up until end of September.  What a weird and crazy year it has been.

[achvfi]

May-20 $403000 - INV ---> Above the previous high.

Its been a while since I checked in here. Good to see so many of us moving to next races.

Aug-20 - Our liquid stash is at $467,000 and total net worth at $678,000. In last 6 months we invested well over 50K. Hope our luck continues.

Seems like our stash is at a place where growth seems to come in hurry with market improvements.

[MudPuppy]

I get to post here now!

Household net for 2 adults:

05/2020: 203K
06/2020: 225K
07/2020: 236k
08/2020: 252k
09/2020: 264k

All fingers crossed for a kind market!

[hudsoncat]

	2016	2017	2018	2019	2020	2021
January	-	$134,179	$222,019	$261,809	$403,264	-
February	-	$140,623	$236,831	$286,584	$414,417	-
March	-	$148,087	$234,104	$303,681	$388,201	-
April	-	$153,745	$234,452	$314,939	$355,475	-
May	-	$161,518	$241,470	$331,080	$398,672	-
June	-	$167,077	$249,398	$320,926	$417,280	-
July	-	$171,538	$253,884	$342,700	$424,818	-
August	-	$179,124	$264,666	$354,784	$456,512	-
September	-	$180,682	$276,905	$351,842	$491,411	-
October	-	$192,217	$285,986	$360,853	-	-
November	$121,639	$199,128	$267,359	$374,706	-	-
December	$128,335	$207,436	$281,461	$391,293	-	-

Another big bump this month. I still keep expecting more market volatility, but it keeps going up. Regardless, we're so far from our RE number that we'll just keep pumping money in no matter what happens with the market.

At this rate, we'll graduate next month. Which would be just shy of 4 years since we started tracking and 2. Before that we were on the typical retirement path saving roughly 10% for the 9 working years prior. Oh where we could be if we'd buckled down earlier... but! At least we were saving something and had a foundation to start with.

[Imustacheyouaquestion]

	2018	2019	2020
January	-	$255,892.49	$424,020.62
February	-	$284,061.44	$430,723.62
March	-	$302,124.69	$409,926.04
April	-	$311,269.23	$376,066.87
May	-	$326,333.60	$436,765.80
June	-	$324,533.94	$444,626.75
July	$250,737.17	$346,414.84	$460,340.01
August	$258,326.17	$353,235.46	$485,648.85
September	$271,396.46	$357,483.82	$517,937.94
October	$276,447.64	$382,001.08
November	$258,733.03	$394,916.44	-
December	$272,495.64	$408,747.03	-

Whoa. 26 months to double my net worth and cross the $500k mark. It's one thing to understand the math and another thing entirely to watch it happen to your own stash. Hope to see you all soon in the race to $1M thread.

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

[trc4897]

Update for end of August

	2019	2020	2021
January	$137,280	$293,698	-
February	$146,582	$302,360	-
March	$150,267	$266,971	-
April	$176,495	$300,121	-
May	$185,139	$322,480	-
June	$187,672	$331,012	-
July	$189,881	$349,037	-
August	$197,857	$370,826	-
September	$199,332	-	Estimated Graduation
October	$206,540	-	-
November	$229,780	-	-
December	$274,581	-	-

Estimated graduation keeps creeping up. Now up to September 3, 2021! Crazy to think my NW has almost tripled in less than 2 years. Being DINK's (for now) helps!

[Genevieve]

Net Worth:

Dec 2012: $26,461.85
Dec 2014: $29,446.16
Dec 2015: $54,568.08
Dec 2016: $87,878.65
Dec 2017: $165,042
Dec 2018: $280,087
Dec 2019: $454,301
June 2020: $465,444.67
July 2020: $481,662
August 2020: $506,951

Graduation!!! Honestly I'm shocked that the market has been on such a tear. I didn't think we were going to make it until the end of the year when we get a big bump from a bonus.

[junga]

		2018		2019		2020
Jan		$97,318		$128,407		$221,074
Feb		$104,695		$139,828		$226,108
Mar		$107,006		$145,617		$215,551
April		$115,189		$153,549		$197,168
May		$116,178		$162,575		$223,850
June		$119,529		$164,396		$236,967
July		$117,366		$173,404		$247,960
Aug		$120,235		$183,384		$264,301
Sep		$126,710		$186,374		$284,801
Oct		$135,258		$196,033		-
Nov		-		$202,222		-
Dec		$133,314		$210,924		-

[zee dot]

9/2017 (168,529.23)
10/2017 (156,730.67)
12/2017 (155, 778.96)
1/2018 (146,335.62)
2/2018 (146,208.20)
3/2018 (90,769.56) annual bonus
4/2018 (83,753.06)
6/2018 (73,857.57)
9/2018 (61,215.95)
10/2018 (51,434.89)
12/2018 $90,683.73 (sold a house)
01/2019 $96,400.22
02/2019 $150,040.56 (annual bonus)
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)
09/2019 $133,351.70 (market movement, my own apt appreciated)
11/2019 $157,752.34
12/2019 $161,956.70
1/2020 $240,295.73 (raise, bonus, market movement)
3/2020 $210,091.77 (COVID-19 market movement)
4/2020 $239,976.10
5/2020 $254,753.20
6/2020 $267,135.65
7/2020 $285,722.37

[tjrssibelle]

Investments only;

Dec 2016: $129.04k
Dec 2017: $196.66k
Dec 2018: $227.08k

Jan 2019: $255.83k
Feb 2019: $263.40k
Mar 2019: $275.82k
Apr 2019: $286.26k
May 2019: $277.52k
Jun 2019: $295.84k
July 2019: $302.29k
Aug 2019: $300.88k
Sep 2019: $309.76k
Oct 2019: $319.40k
Nov 2019: $329.54k
Dec 2019: $339.51k

Jan 2020: $347.23k
Feb 2020: $330.32k
Mar 2020: $293.63k
Apr 2020: $323.58k
May 2020: $340.17k
Jun 2020: $356.25k
July 2020: $377.68k
Aug 2020: $397.52k

Sent from my SM-N960U using Tapatalk

[SpareChange]

Up $17,172 to $450,240.

[Mainlander]

AUGUST UPDATE

01/01/17: $55,143
01/01/18: $101,549
01/01/19: $142,443
01/01/20: $220,276
08/01/20: $253,789
09/01/20: $257,810

  August was a low month for new contributions. The rest of the year is normally my busy time at work so hoping to see some nice increases for the remainder of 2020.

[Morning Glory]

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
Oct 1: 360,074
Nov 1:346,354
Dec 1: 354,221

2019
Jan 1: 339,623
Feb 1: 358,056
Mar 1: 368,263
April 1: 386,406
May 1: 395,806
Jun 1: 382,758
July 1: 399,023
Aug 1: 404,132
Sep 1: 404,378
Oct 1: 411,212
Nov 1: 421,398
Dec 1: 434,363

2020
Jan 1: 447,716
Feb 1: 451,064
Mar. 1: 427,409
Apr 1: 391,361
May 1: 428,733
Jun 1: 516,412 (net worth)/302,612 (investments)
July 1: 524,981/314,313
Aug 1: 548,390/336,821
Sep 1: 574,193/361,734
Biggest month of investment growth I've ever had!!!

[NextTime]

Investments only

First of	2018	2019	2020
January	-	$206,667	$304,693
February	$198,265	$224,401	$305,287
March	$204,080	$231,997	$290,554
April	$204,080	$236,710	$274,909
May	$206,310	$246,138	$298,297
June	$207,731	$245,062	$320,072
July	$209,453	$256,868	$331,215
August	$218,450	$256,076	$349,025
September	$224,243	$266,197	$367,183
October	$227,037	$274,186	-
November	$214,107	$284,427	-
December	$219,948	$295.004	-

[ZsaZsa]

Portfolio totals:
1/28/20 $253,542.85
2/20/20 $264,385.15
2/28/20 $241,121.58
3/13/20 $209,201.71
4/3/20  $214,113.72
4/30/20 $241,361.42   
5/27/20 $252,278.03
6/8/20 $265,620.410
6/30/20 $260,161.31
8/20/20 $287,415.26
9/1/20 $293,920.41 Hopefully now I am back on my once a month totaling. Even though the target here is $500k, I am REALLY looking forward to hitting that $300k before the end of the year...that's my mini-goal!

[DarkandStormy]

3/1/19 - $268,584 // $154,100
4/1/19 - $281,161 // $160,561
5/1/19 - $287,799 // $169,570
6/1/19 - $299,560 // $163,398
7/1/19 - $309,640 // $178,229
8/1/19 - $317,066 // $185,846
9/1/19 - $321,205 // $186,588
10/1/19 - $327,232 // $191,328
11/1/19 - $335,150 // $197,615
12/1/19 - $340,787 // $208,029
1/1/20 - $352,472 // $223,044
2/1/20 - $362,809 // $229,548
3/1/20 - $356,377 // $216,835
4/1/20 - $330,416 // $192,356
5/1/20 - $362,077 // $220,959
6/1/20 - $381,391 // $240,213
7/1/20 - $399,404 // $257,588
8/1/20 - $417,420 // $269,617
Outside outside chance at graduating from this group by the end of the year! Would require a 20% increase in net worth over the next five months.

9/1/20 - $440,121 // $291,650

Graduation now requires "only" a 13.6% increase.

[PassMMM]

Hello there! New to this thread (a little late in joining), hoping to get to $500k in the next 2-3 years or so depending on my job/bonus.

2020 numbers below. Market bounced back and I may have bought my house at a good time (offer accepted in January, closed in June due to some seller delays), home values have been soaring on Long Island with the small inventory and people fleeing city life. There's a jump in the NW number around close time. Reason is that the way I've chosen to calculate NW with a mortgage is Zestimate of the home minus the mortgage amount (aka the equity I have in the house as valued by Zillow - this is how Personal Capital automatically does it). Zestimate is already 30k+ from the sale price so hence the jump in NW).

01/1/20 - $176k
02/1/20 - $197k (bonus hit the account)
03/1/20 - $201k
04/1/20 - $195k
05/1/20 - $215k
06/1/20 - $237k
07/1/20 - $286k (received a generous gift towards new home - $40k)
08/1/20 - $297k
09/1/20 - $345k (home value jumped on Zillow)

[gmdv]

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
September 2018 - $377k
October 2018 - $369k
November 2018 - $382k
1/5/2019 - $374k
2/3/19 - $378k
3/7/19 - $380k
4/4/19 - $381k
5/6/19 - $378k
6/11/19 - $382k
7/8/19 - $384k
8/5/19 - $387k
9/5/19 - $376k
10/1/19 - $386k
11/4/19 - $396k
12/12/19 - $402k
1/10/20 - $403k
2/2/20 - $405k
3/4/20 - $411k
4/3/20 - $420k
5/4/20 - $426k
6/5/20 - $428k
7/22/20 - $446k
8/10/20 - $449k

9/1/20 - $452k

[moonpalace]

Wow, I haven't posted since July 2019 on here.

Just staying the course, and looking at maybe graduating from this thread in about a year, market permitting.

NW update:
Jan. 2017   $42,000
...
Feb. 2019   $242,032
Mar. 2019   $258,467
Apr. 2019   $271,294
May 2019   $281,760
June 2019  $278,145
July 2019   $296,924
...
Aug. 2020  $402,692

[cashmoney]

My last check-in was when I was a member of the Race to 250k thread in 2018.  Since then I've gotten married, sold 2 houses, bought another and had a kid.  I am at the same job and have received little promotions and solid raises along the way.  I finish my MBA (paid for by work) in October and will have my second kid in November.  I would like to hit the $450k mark this month.

02/28/18 $110,864.47
09/01/2020 $444,020.69  - 300.51% increase (+$333,156.22)

[lampstache]

Investments only

 1/2017   - 34,633
 1/2018   - 56,928 (+22,295)
 1/2019   - 98,248 (+41,320)

 1/2020   - 176,153 (+77,905)
 2/2020   - 182,362 (+6,209)
 3/2020   - 171,868 (-10,494)
 4/2020   - 178,606 (+6,738)
 5/2020   - 255,004 (+76,398) - sold house, dumped money in market
 6/2020   - 287,981 (+32,977) - put more money in market from house sale
 8/2020   - 326,686 (+38,705)
 9/2020   - 336,875 (+10,189)

[tarheeldan]

Nice jump in the markets!

Up $34,656 or 8.4% to $446,499.34 last month :)

https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/edit#gid=1302523503

[wonkette]

Haven't posted in awhile, but was excited to see I'd reached my mini goal of $300k!

May 1   251709
June 1   263537
July 1   278744
Aug 1   291878
Sept 1   304689

[fuzzy math]

Well everyone, its been fun but its time for me to move on now! Looks like it took 23 months.  Keep on stacking those dollars and I'll see you in the next thread.

Investments only

Jun 2018  $219,320
Jul 2018   $228,483
Aug 2018  $234,711
Sep 2018  $245,993
Oct 2018  $251,023
Nov 2018  $238,881
Dec 2018  $244,687

Jan 2019  $226,942
Feb 2019  $249,796
Mar 2019  $270,351
Apr 2019  $285,770
May 2019  $295,838
Jun 2019  $283,393
Jul 2019   $307,071
Aug 2019  $315,942
Sep 2019  $318,301
Oct 2019  $334,301
Nov 2019  $352,430
Dec 2019  $370,715

Jan 2020  $401,716
Feb 2020  $414,430
Mar 2020  $412,631
Apr 2020  $393,815
May 2020  $414,524
Jun 2020  $452,579
Jul 2020   $471,455
Aug 2020  $496,982
Sep 2020  $529,603

[mntnmn117]

Hit my target of graduating prior to Oct 2020. Spent 3 years in the group.

Investments only:
1/1/2017 - $223,938
1/1/2018 - $305,434
1/1/2019 - $351,537
1/1/2020 - $473,102
9/1/2020 - $531,984

[ingrownstudentloans]

(IRA/401K/taxable accounts/conservative equity in rental properties/conservative equity in side business):
2/1/2020 $333,916.40
3/1/2020 $386,416.81 (put cash into new rental property)
4/1/2020 $386,032.10
5/1/2020 $404,443.66
6/1/2020 $450,581.83 ($30k of the bump is from an increase in rental property equity based on refinance appraisal)
7/1/2020 $455,164.98
8/1/2020 $465,701.07

9/1/2020 $480,888.70

[snoot]

Hi everyone! Excited to join this thread :)

01/2018 $67,602
01/2019 $101,315
01/2020 $196,633
02/2020 $202,698
03/2020 $190,324
04/2020 $188,776
05/2020 $200,351
06/2020 $220,593
07/2020 $227,293
08/2020 $235,376
09/2020 $253,388

[oneday]

Note: I'm not working ATM - just started the job search, so no projected graduation currently.

	2018	2019	2020	2021	2022
January	-	$283K	$354K	-	-
February	-	$291K	$342K	-	-
March	-	$294K	$304K	-	-
April	$263K	$304K	$328K	-	-
May	$268K	$293K	$337K	-	-
June	$270K	$309K	$340K	-	-
July	$276K	$314K	$352K	-	-
August	$284K	$313K	$372K	-	-
September	$287K	$329K	-	-	-
October	$276K	$325K	-	-	-
November	$280K	$335K	-	-	-
December	$268K	$343K	-	-	-

Welcome to all our new racers! @giggles @BeautifulDay @cashmoney @Edwards @MudPuppy @PassMMM @snoot

Congrats to our graduates! @fuzzy math @Genevieve @Imustacheyouaquestion @Lucky Recardito @mntnmn117

@achvfi @SpareChange You are both getting close to the home stretch...any prediction for graduation?

@wonkette congrats on passing $300K!

[solon]

 1-2017  $88,615
 1-2018 $132,155
 1-2019 $177,349
 1-2020 $282,110
 2-2020 $290,845
 3-2020 $288,022
 4-2020 $257,224
 5-2020 $276,627
 6-2020 $299,563
 7-2020 $304,249
 8-2020 $318,456
 9-2020 $324,661


I am the tortoise.

[SpareChange]

@SpareChange You are both getting close to the home stretch...any prediction for graduation?

Nope. I work PT now...5 on, 9 off. I do take advantage of extra work opportunities as they come along if they meet certain criteria, but even so, the vagaries of the market overwhelm my investment contributions.

[SpareChange]

 1-2017  $88,615
 1-2018 $132,155
 1-2019 $177,349
 1-2020 $282,110
 2-2020 $290,845
 3-2020 $288,022
 4-2020 $257,224
 5-2020 $276,627
 6-2020 $299,563
 7-2020 $304,249
 8-2020 $318,456
 9-2020 $324,661


I am the tortoise.

I believe the tortoise beat the hare in the race. You're doing fantastic.

[The Tester]

November 2019	-	$266,069
December 2019	-	$277,275
January 2020	-	$281,256
February 2020	-	$268,507
March 2020	-	$244,811
April 2020	-	$275,495
May 2020	-	$296,407
June 2020	-	$311,160
July 2020	-	$329,791
August 2020	-	$348,640

[solon]

 1-2017  $88,615
 1-2018 $132,155
 1-2019 $177,349
 1-2020 $282,110
 2-2020 $290,845
 3-2020 $288,022
 4-2020 $257,224
 5-2020 $276,627
 6-2020 $299,563
 7-2020 $304,249
 8-2020 $318,456
 9-2020 $324,661


I am the tortoise.

I believe the tortoise beat the hare in the race. You're doing fantastic.

Oh yeah, I know. Being the tortoise is a positive thing.

But now that I think about it...
What do you think was going through the tortoise's mind during the race when it was just plooooddding along, one step at a time, step after step, month after month, year after year? Especially if the hare was way ahead at some point, driving a fancy car, living in a nice house, vacationing in the Mediterranean. I wonder if the tortoise knew it was destined to win the race?

[achvfi]

@achvfi @SpareChange You are both getting close to the home stretch...any prediction for graduation?

Hi @oneday, It can by EOY if market helps a little, if it doesn't its likely in first quarter next year. Goal in next 3 years is to lay down a solid foundation for finances to pursue some of our dreams.

[JLee]

2017

Code: [Select]

Date             Assets           Debts          Net Worth
Oct 2017 $370,483.90 -$120,007.15 $250,476.80
Dec 2017 $382,100.79 -$121,838.12 $260,262.67
2018

Code: [Select]

Date             Assets           Debts          Net Worth
Jan 2018 $390,088.91 -$119,841.70 $270,247.21
Feb 2018 $393,016.96 -$118,184.89 $274,832.08
Mar 2018 $388,528.30 -$117,901.07 $270,627.23
Apr 2018 $396,987.40 -$118,619.04 $278,368.36
May 2018 $399,896.79 -$125,537.47 $274,359.32
Jun 2018 $393,835.05 -$119,226.10 $274,608.95
Jul 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
Sep 2018 $297,258.10 -$2,513.24 $294,744.86
Oct 2018 $270,846.50 -$2,179.98 $268,666.52
Nov 2018 $283,924.79 -$3,588.97 $280,335.80
Dec 2018 $263,008.28 -$2,510.11 $260,498.17
2019

Code: [Select]

Date             Assets           Debts          Net Worth
Jan 2019 $286,398.03 -$3,720.22 $282,677.81
Feb 2019 $303,524.32 -$65.88 $303,458.40
Mar 2019 $303,218.72 $0.00 $303,218.72
Apr 2019 $319,854.21 -$2,685.70 $317,168.50
May 2019 $307,507.31 -$2,240.87 $305,266.40
Jun 2019 $731,745.00 -$426,815.80 $304,929.20
Jul 2019 $736,673.88 -$431,083.30 $305,590.60
Aug 2019 $735,255.93 -$429,153.68 $306,102.25
Sep 2019 $736,594.53 -$431,388.57 $305,205.96
Oct 2019 $753,717.95 -$431,346.90 $322,371.05
Nov 2019 $778,884.35 -$426,308.33 $352,576.02
Dec 2019 $781,597.49 -$426,057.09 $355,540.40
2020

Code: [Select]

Date             Assets           Debts          Net Worth
Jan 2020 $787,211.64 -$425,357.09 $361,854.55
Feb 2020 $755,990.43 -$417,635.17 $338,355.26
Mar 2020 $756,805.46 -$464,555.13 $292,250.33
Apr 2020 $808,288.92 -$461,043.60 $347,245.32
May 2020 $820,040.10 -$455,622.69 $364,417.41
Jun 2020 $826,539.24 -$455,286.73 $371,252.51
Aug 2020 $847,335.26 -$453,339.28 $393,995.98
Sep 2020 $901,558.90 -$452,541.02 $449,017.88
I was on vacation, so September's is a week late. New appraisal for a refinance bumped my house value a bit, but the refinance hasn't happened yet so I'll take a hit when that happens. Overall going the right direction though!

[Check2400]

Month	Year	Net Worth
Jan	2017	103,000
Jan	2018	160,000
Jan	2019	204,000
Jan	2020	275,500
Nov.	2019	255,000
Dec.	2019	262,000
Jan.	2020	275,500
Feb.	2020	270,000
Mar.	2020	261,000
Apr.	2020	250,000
May	2020	278,000
June	2020	292,000
July	2020	296,000
Aug	2020	302,000
Sept	2020	312,000

The remarkable thing about these numbers is that I withdrew $13,000 in cash to do a secured loan at 7% interest, so I should be actually at $325,000 for September 1 (the next 9 days not so much). 

I've also put two offers out on investment properties-one ghosted me and the other is still pending.  Trying to get some cash diversified from the market before November, especially with a "average inflation targeting" the new standard for the Money Printers. 

The days are long, the years are short, and six months into a world without wait staff, bars, or grocery aisles is weird.  [/td][/tr][/table]

[dignam]

Feb 2020 $253k
Mar 2020 $221k [COVID-19]
Apr 2020 $239k
May 2020 $244k
Jun 2020 $265k
Jul 2020 $269k
Aug 2020 $281k
Sep 2020 $281k

[MudPuppy]

Household net for 2 adults:

05/2020: 203K
06/2020: 225K
07/2020: 236k
08/2020: 252k
09/2020: 264k
10/2020: 262k

Bit of a slide, but could have been worse. I didn’t work at all this month due to surgery so considering the markets are a bit sluggish and I didn’t earn any at side hustle PLUS lots of medical expenses... I’ll take it