Race from 250 to 500k!

[ontheheel]

Currently deployed. Less frequent and predictable updates. Hoping to finish the year over $400k

Net worth consists of equity portfolio, two rental properties, and cash (checking/savings). Liabilities are month-to-month credit card (PIF every month), two mortgages on rental properties, and what’s left of my wife’s student loans.

	2019	2020	2021	2022
January	$87,000	$153,000	$241,000	$347,000
February	$95,000	$159,000	$246,000	$354,000
March	$95,000	$152,000	$255,000	$372,000
April	$98,000	$172,000	$267,000	$381,000
May	$95,000	$157,000	$290,000	$381,000
June	$104,000	$187,000	$303,000	$383,000
July	$106,000	$202,000	$325,000	$396,000
August	$115,000	$206,000	$333,000	$387,000
September	$118,000	$207,000	$328,000	$378,000
October	$134,000	$215,000	$342,000	$394,000
November	$136,000	$233,000	$346,000	***$403,000***
December	$143,000	$234,000	$359,000	-
Annual gain	$56,000	$89,000	$125,000	-

[dignam]

	2020	2021	2022	2023
Jan		$308k	$462k	$435k
Feb	$253k	$319k	$441k
Mar	$221k	$332k	$440k
Apr	$239k	$349k	$455k
May	$244k	$355k	$425k
Jun	$265k	$368k	$449k
Jul	$269k	$378k	$426k
Aug	$281k		$449k
Sep	$294k	$394k	$438k
Oct	$290k	$399k	$412k
Nov	$301k	$436k	$421k
Dec	$308k	$454k	$449k

...and so ends the most painful financial year of my working life.  In addition to the market being way down, several major expenses were incurred in a "when it rains, it pours" exhibit.  Complete HVAC replacement (~$11k), garage opener and main spring replacement (~$2k, we are lucky the door didn't fall on a vehicle/person when that spring broke!), and string of many small things breaking: cell phone, motherboard in my media/security server took a shit, etc. etc.  Water softener is on its last legs too, but shouldn't be as expensive.  But I did get a promotion and significant raise with bonus so that has helped offset some of this year.

[zygote]

For context: I'm 33 in a HCOL city. I'm married, but these are my own numbers since we keep our finances separate. Includes cash, retirement, and credit cards, which are used for normal expenses and paid off in full every month.

3/18: $48,533.91 (found MMM and started tracking)
3/19: $83,762.93 (1 year tracking)
8/19: $101,572.33 (graduated to the 100-250k thread)
3/20: $118,287.76 (2 years tracking)
3/21: $206,593.43 (3 years tracking)
11/21: $254,300.88 (graduated to the 250-500k thread)
12/21: $258,452.24 (+$4,151.36, +1.63%)
1/22: $266,408.54 (+$7,956.30, +3.08%)
2/22: $249,470.14 (-$16,938.40, -6.36%)
3/22: $251,915.95 (+$2,445.81, +0.98%)
4/22: $258,017.81 (+$6,101.86, +2.42%)
5/22: $241,209.30 (-$16,808.51, -6.51%)
6/22: $241,739.39 (+$530.09, +0.22%)
7/22: $225,680.23 (-$16,059.16, -6.64%)
8/22: $246,154.19 (+$20,473.96, +9.07%)
9/22: $240,189.31 (+$5,964.88, -2.42%)
10/22: $221,181.52 (-$19,007.79, -7.91%)
11/22: $270,565.23 (+$49,383.71, +22.33%)
12/22: $275,363.22 (+$4,797.99, +1.77%)
1/23: $274,105.08 ($1,258.14, -0.46%)

Honestly happy just to be treading water in this market.

[Mainlander]

DECEMBER UPDATE

08/01/20: $253,789
09/01/20: $257,810
10/01/20: $256,193
11/01/20: $255,810
12/01/20: $273,815
01/01/21: $276,958
02/01/21: $286,621
03/01/21: $290,643
04/01/21: $311,128
05/01/21: $320,779
06/01/21: $328,171
07/01/21: $352,430
08/01/21: $360,851
09/01/21: $370,656
10/01/21: $364,708
11/01/21: $377,421
12/01/21: $380,530
01/01/22: $392,394
02/01/22: $394,149
03/01/22: $392,619
04/01/22: $404,583
05/01/22: $389,829
06/01/22: $395,217
07/01/22: $380,000
08/01/22: $373,664
09/01/22: $387,311
10/01/22: $393,399
11/01/22: $382,206
12/01/22: $398,186
01/01/23: $389,830

  Net worth is negative for the year. For most of the year I basically stopped paying attention to my net worth. Interested to see what 2023 will bring.
 

[ontheheel]

Currently deployed. Less frequent and predictable updates. Finished the year over $400k, which was a relief in the current market. Finished up $57k, which is the smallest annual increase I've seen in a bit, but considering that the S&P is down 20% and we were still able to do that, I'm happy. $57k is also more than I made in any year of labor until I was 30, when I came on active duty.

I hit ten years of active service in May, which is the halfway point to a pension. I absolutely love my job, but I'm growing weary of separation from my family. The future looks hopeful, as the more senior I get, the less time I will likely have to spend away. We've got enough saved up now, however, that if things take a turn for the worse, we can do a version of lean FIRE at any point, as long as I go over to the reserves and we move into one of our rental properties. I could get by with doing nothing else, and we would have infinite runway, or add in some work for additional savings or lifestyle inflation.

Net worth consists of equity portfolio, two rental properties, and cash (checking/savings). Liabilities are month-to-month credit card (PIF every month), two mortgages on rental properties, and what’s left of my wife’s student loans.

	2019	2020	2021	2022
January	$87,000	$153,000	$241,000	$347,000
February	$95,000	$159,000	$246,000	$354,000
March	$95,000	$152,000	$255,000	$372,000
April	$98,000	$172,000	$267,000	$381,000
May	$95,000	$157,000	$290,000	$381,000
June	$104,000	$187,000	$303,000	$383,000
July	$106,000	$202,000	$325,000	$396,000
August	$115,000	$206,000	$333,000	$387,000
September	$118,000	$207,000	$328,000	$378,000
October	$134,000	$215,000	$342,000	$394,000
November	$136,000	$233,000	$346,000	$403,000
December	$143,000	$234,000	$359,000	***$404,000***
Annual gain	$56,000	$89,000	$125,000	$57,000

[PlanetDee]

Investments only:
5/23/21 - $413k
6/24/21 - $422k
7/23/21 - $433k
8/29/21 - $450k
9/29/21 - $439k
10/25/21 - $454k
11/29/21 - $447k
12/31/21 - $461k
1/26/22 - $429k
2/28/22 - $435k
3/30/22 - $449k
4/29/22 - $422k
6/3/22  - $403k
7/2/22 - $382k
8/1/22 - $404k
9/1/22 - $392k
10/2/22 - $363k
11/3/22 - $373k
12/1/22 -$400k
1/1/23 - $383k

Happy New Year everyone! Back to work again this week and I have my side business all set up. Goal for this year is to up that income!!

[FrugalByChance]

As I'm living and getting payed in the Netherlands, all my numbers are in EUR.
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   (growth=diff with prev. month deposits=money added) 
Jan 2016  €  58 971.00
Jan 2017  €  86 368.00
Jan 2018  € 119 817.00
Jan 2019  € 145 840.48
...
Dec 2019  € 195 798.72   (growth:  € 6 723.04 deposits: € 3 600.00)  Totals for 2019: growth:  € 60 523.78 (=44.70%) Deposits: € 22 925.00 Returns: € 37 598.78 (=20.38%)
Dec 2020  € 269 374.68   (growth:  € 7 253.18 deposits: € 4 590.75)  Totals for 2020: growth:  € 73 452.27 (=37,49%) Deposits: € 52 186.18 Returns: € 21 266.09 (=8,74%)
Dec 2021  € 443 925.59   (growth:  €12 951.94 deposits: € 7 300.00)  Totals for 2021: growth:  €174 550.91 (=64,80%) Deposits: € 90 523.89 (= 33,61%) Returns: € 84 027.02 ( = 31,19%) 
Jan 2022  € 430 075.18   (growth: -€13 850.41 deposits: € 6 000.00)
Feb 2022  € 443 885.50   (growth:  €13 810.32 deposits: €22 000.00)
Mar 2022  € 472 861.47   (growth:  €28 975.97 deposits: €16 250.00)
Apr 2022  € 467 405.88   (growth: -€ 5 455,59 deposits: € 2.000,00)
May 2022  € 451 254.90   (growth: -€16 150,98 deposits: € 2.000,00)
Jun 2022  € 462 463.23   (growth:  €11 208,33 deposits: € 9 850,00)
Jul 2022  € 473 671.56   (growth:  €11 208,33 deposits: € 2 250,00)
Aug 2022  € 462 823.51   (growth: -€10 848.05 deposits: € 2 250.00)
Sep 2022  € 437 822.42   (growth: -€25 001.09 deposits: € 3 800.00)
Oct 2022  € 456 112.83   (growth:  €18 290.41 deposits: €   220.00)
Nov 2022  € 464 332.36   (growth:  € 8 219.53 deposits: € 4 000.00)

Dec 2022  € 446 645.24   (growth: -€17 687.12 deposits € 3 000.00) Totals for 2022: growth:  €  2 719.65 (=0,61%) Deposits: € 73 620.00 (= 16,58%) Returns:-€ 70.900,35 (=-13,70%)

Phew, just barely a positive net worth growth for the year. Wishing everybody a frugal and positive 2023 !

[SeattleStache]

The first number is retirement related investments, the second is total NW including real estate, cash savings, and other investments. I'm only counting retirement related investments for this race!

December 2019: $292,062 (total NW $423,991)
December 2020: $398,408 (total NW $572,704)
December 2021: $506,167 (total NW $665,639) Graduated for now, hope it holds! (update: didn't hold!)
December 2022: $459,000 (total NW $627,689)

[mckaylabaloney]

	2018	2019	2020	2021	2022	2023
January	$(170,956.12)	$(80,750.78)	$(4,484.13)	$124,124.66	$298,228.37	$364,245.38
February	$(166,849.63)	$(72,922.02)	$(4,647.56)	$125,821.73	$292,535.79	-
March	$(161,395.88)	$(65,244.64)	$398.59	$136,847.83	$289,783.60	-
April	$(156,590.44)	$(57,807.71)	$(9,003.54)	$145,677.69	$304,542.17	-
May	$(159,977.61)	$(52,358.05)	$8,209.01	$164,438.72	$289,968.07	-
June	$(154,655.48)	$(52,769.97)	$19,606.73	$171,195.96	$292,333.93	-
July	$(149,000.22)	$(39,802.87)	$26,480.37	$219,072.34	$277,359.75	-
August	$(143,758.38)	$(35,751.08)	$40,657.65	$234,012.81	$303,227.07	-
September	$(139,839.66)	$(45,074.66)	$52,868.32	$241,148.85	$303,414.27	-
October	$(136,009.14)	$(54,949.47)	$53,926.77	$241,206.12	$288,539.64	-
November	$(137,519.76)	$(53,156.01)	$61,241.09	$252,403.51	$297,090.56	-
December	$(132,193.25)	$(52,946.03)	$78,742.07	$257,721.53	$331,381.44	-
Annual gain	$90,205.34	$75,902.65	$128,972.79	$174,103.71	$66,017.01

Happy to see substantial progress over 2022 despite the crappy stock market situation.

If all goes as planned, 2023 will be a very different year for me (financially and otherwise), as I intend to quit my job in several months and spend the rest of the year traveling. I'm very ready for a change of pace and scenery, and totally unsure what I'll do after this sabbatical. Looking forward to finding out.

[NextTime]

Investments only.

	2018	2019	2020	2021	2022
January	$198,265	$224,401	$305,287	$424,924	$541,872
February	$204,080	$231,997	$290,554	$453,313	$526,670
March	$204,080	$236,710	$274,909	$471,199	$532,671
April	$206,310	$246,138	$298,297	$489,213	$495,058
May	$207,731	$245,062	$320,072	$492,274	$495,719
June	$209,453	$256,868	$331,215	$493,272	$468,019
July	$218,450	$256,076	$349,025	$503,214	$499,669
August	$224,243	$266,197	$367,183	$521,697	$485,070
September	$227,037	$274,186	$360,397	$509,748	$477,261
October	$214,107	$284,427	$360,290	$530,757	$477,261
November	$219,948	$295.004	$400,264	$524,716	$507,665
December	$206,667	$304,693	$419,937	$557,868	$489,299

Good riddance 2022.

[VodkaWater]

This year is both Ugh and Yay, -3% over last year. The market sucked and we had a few needed house repairs. We did pay off a car & student loans un bulk but that was worth it to me. I took a new job that doubled my salary in Q4 so I am really leaning into 2023 to make up ground.

2022 NW/Investments

Jan: $280,013/$301,963
Feb: $278,012/$295,951
March: $286,533/$307,886
April: $267,850/$295,005
May: $253,239/$269,763
June: $258,043/$273,708
July: $278,506/$293,210
August: $282,288/$292,234
Sept : $258,042/$266,136
Oct: $274,420/$281,514
Nov: $303,077/$309,423
Dec; $295,511/$304,128

[philli14]

1/01/19: 57,786
1/01/20: 127,304 (+69518)
1/01/21: 203,920 (+76616)
1/01/22: 310,057 (+106137)
1/01/23: 222,527 (-87530)

I have returned, after a pretty wild year that included a lot of big life changes.

The main financial event in 2022 was the combination of finances with my now wife. I will now be considering our combined net worth, which for now means the addition of ~90k of graduate student loans.

With that in mind, I managed to end 2022 slightly ahead of where I started, if the loans are excluded. Not bad considering 2022 was tumultuous from an investment standpoint, contained a move across the country, and involved a wedding ceremony and reception.

Looking ahead, things have stabilized, and we will be using the power of two professional incomes, with no kids, to power forward and get back on track with our financial goals. I hope that I am allowed to stay in this race, having dipped below the floor. Hopefully only temporarily!

[Stimpy]

Date	FIRE	Medi	Total NW	% Increase	Notes
6/1/2017			$115,738	-
12/31/2018	$177,341.32	$46,719.18	$224,060.50	~2.07%
12/31/2019	$258,407.93	$82,188.34	$340,596.27	~10.57%	Percentage off due to account access issues last month
12/31/2020	$230,836.47	$101,830.02	$408,666.49	~4.74%
12/31/2021	$392,057	$143,156.74	$535,214.65	~2.76%
2/28/2022	$377,431.56	$132,146.00	$509,577.56	~1.06%

EOY23 Goal: 550-570k

Numbers based on Mint + some accounts Mint refuses to monitor due to the changing of the weather in Kiev.  Does not include a few minor accounts with less then $2000 total.

12/31/2022 Fire:$363,496.09 + Medi:$127,446.75 = $490,942.84   ~-2.74% 

Been a wild ride for the last year, and I thought I posted one more time last year but...  Cest la via.  Either way, here I am....  Mostly cause I figured I needed to update my goal and at least do a EOY recording... 
Last year I was betting on 590-600k.  I suppose in hind sight, was a bit optimistic, even if things hadn't taken a dive...  So this year Goal is 550-570K.  Not out of reach, but not simple.  Hopefully things stay flat or go up from here but the future.  Well she's(he's?) shy.   

Cheer to a new year!  Hope everyone's year is if not prosperous, at least filled with good tidings!

[ardrum]

2022 stunk, but I invested throughout it...

12/1/20 - $284,036
1/1/21 - $301,280
2/1/21 - $318,045
3/1/21 - $338,808
4/1/21 - $350,947
5/1/21 - $356,198
6/1/21 - $374,201
7/1/21 - $377,978
8/1/21 - $382,334
9/1/21 - $391,683
10/1/21 - $394,624
11/1/21 - $411,512
12/1/21 - $409,555
1/1/22 - $422,315
2/1/22 - $415,773
3/1/22 - $417,512
4/1/22 - $419,562
5/1/22 - $381,710
6/1/22 - $384,573
7/1/22 - $361,229
8/1/22 - $394,180
9/1/22 - $368,207
10/1/22 - $338,613
11/1/22 - $360,487
12/1/22 - $402,561
1/1/23 - $379,108

[nkt0]

Still chillin’ in this group. I can’t quit y’all.

Investments/Net Worth
Q3 2018: $175k/$291k
Q4 2018: $162k/$280k
Q1 2019: $185k/$313k
Q2 2019: $199k/$331k
Q3 2019: $210k/$344k
Q4 2019: $283k/$448k
Q1 2020: $244k/$404k
Q2 2020: $309k/$472k
Q3 2020: $357k/$521k
Q4 2020: $413k/$579k
Q1 2021: $436k/$624k
Q2 2021: $485k/$673k
Q3 2021: $497k/$688k
Q4 2021: $555k/$748k
Q1 2022: $540k/$735k
Q2 2022: 🤷🏻‍♂️
Q3 2022: $462k/$664k
Q4 2022: $498k/$700k

[falsekrakk808]

04/2020  $256
05/2020  $278
06/2020  $282
07/2020  $304
08/2020  $312
09/2020  $295
10/2020  $286   
11/2020  $330   
12/2020  $360   
01/2021  $365
02/2021  $380
03/2021  $380
04/2021  $410
05/2021  $417
06/2021  $438
07/2021  $440
08/2021  $455
09/2021  $449
10/2021  $475
11/2021  $478
12/2021  $481
01/2022  $431
02/2022  $447
03/2022  $468
04/2022  $471
05/2022  $467
06/2022  $460
07/2022  $477
08/2022  $484
09/2022  $450
10/2022  $470
11/2022  $481
12/2022  $462

01/2023  $478

[Mainlander]

JANUARY UPDATE

08/01/20: $253,789
09/01/20: $257,810
10/01/20: $256,193
11/01/20: $255,810
12/01/20: $273,815
01/01/21: $276,958
02/01/21: $286,621
03/01/21: $290,643
04/01/21: $311,128
05/01/21: $320,779
06/01/21: $328,171
07/01/21: $352,430
08/01/21: $360,851
09/01/21: $370,656
10/01/21: $364,708
11/01/21: $377,421
12/01/21: $380,530
01/01/22: $392,394
02/01/22: $394,149
03/01/22: $392,619
04/01/22: $404,583
05/01/22: $389,829
06/01/22: $395,217
07/01/22: $380,000
08/01/22: $373,664
09/01/22: $387,311
10/01/22: $393,399
11/01/22: $382,206
12/01/22: $398,186
01/01/23: $389,830
02/01/23: $415,973

A month like this has been long over due. I’m in no rush to see the market fully recover, yet I must say it is nice to see my accounts back to an all time high.

[SeattleStache]

The first number is retirement related investments, the second is total NW including real estate, cash savings, and other investments. I'm only counting retirement related investments for this race!

December 2019: $292,062 (total NW $423,991)
December 2020: $398,408 (total NW $572,704)
December 2021: $506,167 (total NW $665,639) Graduated for now, hope it holds! (update: didn't hold!)
December 2022: $459,000 (total NW $627,689)
January 2023: $494,000 (total NW $649,631) Hope to graduate for the second time this quarter.

[snoot]

01/2018 $67,602
01/2019 $101,315
01/2020 $196,633
01/2021 $276,482
01/2022 $353,077
01/2023 $404,419

Great work everyone!

[Sugaree]

Net Worth	2019	2020	2021	2022	2023
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41	$232,928.16
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91	$346,856.21
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56	$        -
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77	$        -
May	$64,340.45	$106,341.84	$186,124.71	$216,297.22	$        -
June	$64,940.28	$113,372.31	$189,866.01	$210,792.90	$        -
July	$70,156.02	$120,466.05	$194,364.35	$206,546.54	$        -
August	$74,302.64	$127,953.51	$197,286.96	$224,774.07	$        -
September	$74,328.43	$135,625.59	$205,953.08	$217,814.80	$        -
October	$78,067.76	$137,857.32	$201,884.29	$206,617.66	$        -
November	$81,274.16	$136,857.08	$215,701.01	$220,532.58	$        -
December	$88,148.59	$152,706.85	$217,143.43	$241,204.92	$        -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$2,950.75	$        -

The story here is that there is a rental property that I've never counted as part of NW because I never had full control of it.  I sold that property a few weeks ago and the proceeds are now under my control.

[NextTime]

Investments only.

	2018	2019	2020	2021	2022	2023
January	$198,265	$224,401	$305,287	$424,924	$541,872	$543,104
February	$204,080	$231,997	$290,554	$453,313	$526,670
March	$204,080	$236,710	$274,909	$471,199	$532,671
April	$206,310	$246,138	$298,297	$489,213	$495,058
May	$207,731	$245,062	$320,072	$492,274	$495,719
June	$209,453	$256,868	$331,215	$493,272	$468,019
July	$218,450	$256,076	$349,025	$503,214	$499,669
August	$224,243	$266,197	$367,183	$521,697	$485,070
September	$227,037	$274,186	$360,397	$509,748	$477,261
October	$214,107	$284,427	$360,290	$530,757	$477,261
November	$219,948	$295.004	$400,264	$524,716	$507,665
December	$206,667	$304,693	$419,937	$557,868	$489,299

All right! Let's see if we can stay up this time.

[PlanetDee]

Investments only:
5/23/21 - $413k
6/24/21 - $422k
7/23/21 - $433k
8/29/21 - $450k
9/29/21 - $439k
10/25/21 - $454k
11/29/21 - $447k
12/31/21 - $461k
1/26/22 - $429k
2/28/22 - $435k
3/30/22 - $449k
4/29/22 - $422k
6/3/22  - $403k
7/2/22 - $382k
8/1/22 - $404k
9/1/22 - $392k
10/2/22 - $363k
11/3/22 - $373k
12/1/22 -$400k
1/1/23 - $383k
2/1/23 - $406k

Yay so nice to see some gains!

[Turtle]

So many of you are getting close to graduation!  Way to go!

Hope to see some of you in the 500-1M thread soon!

[mckaylabaloney]

	2018	2019	2020	2021	2022	2023
January	$(170,956.12)	$(80,750.78)	$(4,484.13)	$124,124.66	$298,228.37	$364,245.38
February	$(166,849.63)	$(72,922.02)	$(4,647.56)	$125,821.73	$292,535.79	$387,049.76
March	$(161,395.88)	$(65,244.64)	$398.59	$136,847.83	$289,783.60	-
April	$(156,590.44)	$(57,807.71)	$(9,003.54)	$145,677.69	$304,542.17	-
May	$(159,977.61)	$(52,358.05)	$8,209.01	$164,438.72	$289,968.07	-
June	$(154,655.48)	$(52,769.97)	$19,606.73	$171,195.96	$292,333.93	-
July	$(149,000.22)	$(39,802.87)	$26,480.37	$219,072.34	$277,359.75	-
August	$(143,758.38)	$(35,751.08)	$40,657.65	$234,012.81	$303,227.07	-
September	$(139,839.66)	$(45,074.66)	$52,868.32	$241,148.85	$303,414.27	-
October	$(136,009.14)	$(54,949.47)	$53,926.77	$241,206.12	$288,539.64	-
November	$(137,519.76)	$(53,156.01)	$61,241.09	$252,403.51	$297,090.56	-
December	$(132,193.25)	$(52,946.03)	$78,742.07	$257,721.53	$331,381.44	-
Annual gain	$90,205.34	$75,902.65	$128,972.79	$174,103.71	$66,017.01

Nice to see the markets on a real upswing again.

[dignam]

	2020	2021	2022	2023
Jan		$308k	$462k	$435k
Feb	$253k	$319k	$441k	$462k
Mar	$221k	$332k	$440k
Apr	$239k	$349k	$455k
May	$244k	$355k	$425k
Jun	$265k	$368k	$449k
Jul	$269k	$378k	$426k
Aug	$281k		$449k
Sep	$294k	$394k	$438k
Oct	$290k	$399k	$412k
Nov	$301k	$436k	$421k
Dec	$308k	$454k	$449k

Back to my all time high NW.  Will have employer 401k lump sum this month, and likely my 10-12% bonus.

[Southern Stache]

Investments Only (No home equity included here)

May 2021: $419,847
June 2021: $433,387
July 2021: $436,917
Aug 2021: $442,265
Nov 2021: $464,424
Dec 2021: $469,886
Jan 2022: $447,177
May 2022: $403,110
Feb 2023: $437,648

I am not going to win any awards for speediness, but I am happy to be on this journey with all of you!

(We saved consistently throughout 2022. Still, we faced the same challenges that everyone here did! Onward!)

[zygote]

For context: I'm 33 in a HCOL city. I'm married, but these are my own numbers since we keep our finances separate. Includes cash, retirement, and credit cards, which are used for normal expenses and paid off in full every month.

3/18: $48,533.91 (found MMM and started tracking)
3/19: $83,762.93 (1 year tracking)
8/19: $101,572.33 (graduated to the 100-250k thread)
3/20: $118,287.76 (2 years tracking)
3/21: $206,593.43 (3 years tracking)
11/21: $254,300.88 (graduated to the 250-500k thread)
12/21: $258,452.24 (+$4,151.36, +1.63%)
1/22: $266,408.54 (+$7,956.30, +3.08%)
2/22: $249,470.14 (-$16,938.40, -6.36%)
3/22: $251,915.95 (+$2,445.81, +0.98%)
4/22: $258,017.81 (+$6,101.86, +2.42%)
5/22: $241,209.30 (-$16,808.51, -6.51%)
6/22: $241,739.39 (+$530.09, +0.22%)
7/22: $225,680.23 (-$16,059.16, -6.64%)
8/22: $246,154.19 (+$20,473.96, +9.07%)
9/22: $240,189.31 (+$5,964.88, -2.42%)
10/22: $221,181.52 (-$19,007.79, -7.91%)
11/22: $270,565.23 (+$49,383.71, +22.33%)
12/22: $275,363.22 (+$4,797.99, +1.77%)
1/23: $274,105.08 ($1,258.14, -0.46%)
2/23: $293,115.01 ($19,009.93, +6.94%)

Nice to have a good month in the market!

[VodkaWater]

Overall NW Changes:

2014:   -$52,755.00   
2015:   -$39,704.87   -25%
2016:   $1,415.16    -104%
2017:   $30,515.21   2056%
2018:   $47,088.58   54%
2019:   $69,448.18   47%
2020:   $209,969.70   202%
2021:   $305,669.00   46%
2022:   $295,511.00   -3%

Last Year ended with:
Dec NW & Investments at $295,511 / $304,128

I am hoping January is a good predictor:
2023 Jan NW & Investments: $325,153 / $332,277

I started a job last August with a significant pay increase. Tech layoffs happened and it seems like I am just waiting for my turn. I am going to ride it out while I can.

[Em-Dog]

Missed the end of Dec update, for the best. My projections have me not hitting September graduation anymore, but leaving the goal post until we get closer. Haven't been dumping into taxable brokerage for the past few months, dumping into high-yield savings instead to work on a down payment fund (Baby number 1 on the way in 3 months!) I don't include my savings in my calc here so slower progress on that front - still nice to see it increasing. Cheers to a great 2023 for everyone!

	2018	2019	2020	2021	2022	2023	2024
January	$11,592	$19,461	$52,636	$117,964	$307,781	$369,828	-
February	$12,414	$28,144	$48,605	$129,160	$322,118	-
March	$12,259	$23,011	$45,431	$135,298	$352,170	-
April	$13,641	$25,628	$50,763	$183,963	$329,584	-
May	$16,646	$24,273	$55,517	$213,448	$337,156	-
June	$16,625	$27,726	$58,784	$247,758	$316,192	-
July	$17,057	$31,358	$63,678	$259,587	$349,011	-
August	$17,375	$30,624	$69,345	$274,737	$344,052	-
September	$17,380	$41,343	$69,043	$269,876	$313,714	Graduation Goal
October	$16,044	$43,732	$69,866	$294,685	$342,157	-
November	$16,332	$46,935	$95,120	$294,439	$364,093	-
December	$16,589	$51,547	$118,877	$313,367	$346,313	-

[ontheheel]

Greetings from Singapore!

Net worth consists of equity portfolio, two rental properties, and cash (checking/savings). Liabilities are month-to-month credit card (PIF every month), two mortgages on rental properties, and what’s left of my wife’s student loans.

	2019	2020	2021	2022	2023
January	$87,000	$153,000	$241,000	$347,000	***$408,000***
February	$95,000	$159,000	$246,000	$354,000	-
March	$95,000	$152,000	$255,000	$372,000	-
April	$98,000	$172,000	$267,000	$381,000	-
May	$95,000	$157,000	$290,000	$381,000	-
June	$104,000	$187,000	$303,000	$383,000	-
July	$106,000	$202,000	$325,000	$396,000	-
August	$115,000	$206,000	$333,000	$387,000	-
September	$118,000	$207,000	$328,000	$378,000	-
October	$134,000	$215,000	$342,000	$394,000	-
November	$136,000	$233,000	$346,000	$403,000	-
December	$143,000	$234,000	$359,000	$404,000	-
Annual gain	$56,000	$89,000	$125,000	$57,000	-

[falsekrakk808]

04/2020  $256
05/2020  $278
06/2020  $282
07/2020  $304
08/2020  $312
09/2020  $295
10/2020  $286   
11/2020  $330   
12/2020  $360   
01/2021  $365
02/2021  $380
03/2021  $380
04/2021  $410
05/2021  $417
06/2021  $438
07/2021  $440
08/2021  $455
09/2021  $449
10/2021  $475
11/2021  $478
12/2021  $481
01/2022  $431
02/2022  $447
03/2022  $468
04/2022  $471
05/2022  $467
06/2022  $460
07/2022  $477
08/2022  $484
09/2022  $450
10/2022  $470
11/2022  $481
12/2022  $462
01/2023  $478

02/2023  $486
Getting closer to the goal!

[Lilium]

Jumping into the fray.

2022/11    234,446
2022/12    401k switch
2023/01    253,622
2023/02    252,575

[FrugalByChance]

As I'm living and getting payed in the Netherlands, all my numbers are in EUR.
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   (growth=diff with prev. month deposits=money added) 
Jan 2016  €  58 971.00
Jan 2017  €  86 368.00
Jan 2018  € 119 817.00
Jan 2019  € 145 840.48
...
Dec 2019  € 195 798.72   (growth:  € 6 723.04 deposits: € 3 600.00)  Totals for 2019: growth:  € 60 523.78 (=44.70%) Deposits: € 22 925.00 Returns: € 37 598.78 (=20.38%)
Dec 2020  € 269 374.68   (growth:  € 7 253.18 deposits: € 4 590.75)  Totals for 2020: growth:  € 73 452.27 (=37,49%) Deposits: € 52 186.18 Returns: € 21 266.09 (=8,74%)
Dec 2021  € 443 925.59   (growth:  €12 951.94 deposits: € 7 300.00)  Totals for 2021: growth:  €174 550.91 (=64,80%) Deposits: € 90 523.89 (= 33,61%) Returns: € 84 027.02 ( = 31,19%) 
Jan 2022  € 430 075.18   (growth: -€13 850.41 deposits: € 6 000.00)
Feb 2022  € 443 885.50   (growth:  €13 810.32 deposits: €22 000.00)
Mar 2022  € 472 861.47   (growth:  €28 975.97 deposits: €16 250.00)
Apr 2022  € 467 405.88   (growth: -€ 5 455,59 deposits: € 2.000,00)
May 2022  € 451 254.90   (growth: -€16 150,98 deposits: € 2.000,00)
Jun 2022  € 462 463.23   (growth:  €11 208,33 deposits: € 9 850,00)
Jul 2022  € 473 671.56   (growth:  €11 208,33 deposits: € 2 250,00)
Aug 2022  € 462 823.51   (growth: -€10 848.05 deposits: € 2 250.00)
Sep 2022  € 437 822.42   (growth: -€25 001.09 deposits: € 3 800.00)
Oct 2022  € 456 112.83   (growth:  €18 290.41 deposits: €   220.00)
Nov 2022  € 464 332.36   (growth:  € 8 219.53 deposits: € 4 000.00)
Dec 2022  € 446 645.24   (growth: -€17 687.12 deposits: € 3 000.00) Totals for 2022: growth:  €  2 719.65 (=0,61%) Deposits: € 73 620.00 (= 16,58%) Returns:-€ 70.900,35 (=-13,70%)

Jan 2023  € 474 695.13   (growth:  €28 049.89 deposits: € 7 000.00)
Feb 2023  € 488 684.02   (growth:  €13 988.89 deposits: €15 750.00)

Positive developments so far this year.

[Sugaree]

Net Worth	2019	2020	2021	2022	2023
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41	$232,928.16
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91	$346,856.21
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56	$347,275.46
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77	$        -
May	$64,340.45	$106,341.84	$186,124.71	$216,297.22	$        -
June	$64,940.28	$113,372.31	$189,866.01	$210,792.90	$        -
July	$70,156.02	$120,466.05	$194,364.35	$206,546.54	$        -
August	$74,302.64	$127,953.51	$197,286.96	$224,774.07	$        -
September	$74,328.43	$135,625.59	$205,953.08	$217,814.80	$        -
October	$78,067.76	$137,857.32	$201,884.29	$206,617.66	$        -
November	$81,274.16	$136,857.08	$215,701.01	$220,532.58	$        -
December	$88,148.59	$152,706.85	$217,143.43	$241,204.92	$        -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$2,950.75	$        -

[PlanetDee]

Investments only:
5/23/21 - $413k
6/24/21 - $422k
7/23/21 - $433k
8/29/21 - $450k
9/29/21 - $439k
10/25/21 - $454k
11/29/21 - $447k
12/31/21 - $461k
1/26/22 - $429k
2/28/22 - $435k
3/30/22 - $449k
4/29/22 - $422k
6/3/22  - $403k
7/2/22 - $382k
8/1/22 - $404k
9/1/22 - $392k
10/2/22 - $363k
11/3/22 - $373k
12/1/22 -$400k
1/1/23 - $383k
2/1/23 - $406k
3/1/23 - $408k

A gain is a gain!

[mckaylabaloney]

	2018	2019	2020	2021	2022	2023
January	$(170,956.12)	$(80,750.78)	$(4,484.13)	$124,124.66	$298,228.37	$364,245.38
February	$(166,849.63)	$(72,922.02)	$(4,647.56)	$125,821.73	$292,535.79	$387,049.76
March	$(161,395.88)	$(65,244.64)	$398.59	$136,847.83	$289,783.60	$384,051.14
April	$(156,590.44)	$(57,807.71)	$(9,003.54)	$145,677.69	$304,542.17	-
May	$(159,977.61)	$(52,358.05)	$8,209.01	$164,438.72	$289,968.07	-
June	$(154,655.48)	$(52,769.97)	$19,606.73	$171,195.96	$292,333.93	-
July	$(149,000.22)	$(39,802.87)	$26,480.37	$219,072.34	$277,359.75	-
August	$(143,758.38)	$(35,751.08)	$40,657.65	$234,012.81	$303,227.07	-
September	$(139,839.66)	$(45,074.66)	$52,868.32	$241,148.85	$303,414.27	-
October	$(136,009.14)	$(54,949.47)	$53,926.77	$241,206.12	$288,539.64	-
November	$(137,519.76)	$(53,156.01)	$61,241.09	$252,403.51	$297,090.56	-
December	$(132,193.25)	$(52,946.03)	$78,742.07	$257,721.53	$331,381.44	-
Annual gain	$90,205.34	$75,902.65	$128,972.79	$174,103.71	$66,017.01

[zygote]

For context: I'm 33 in a HCOL city. I'm married, but these are my own numbers since we keep our finances separate. Includes cash, retirement, and credit cards, which are used for normal expenses and paid off in full every month.

3/18: $48,533.91 (found MMM and started tracking)
3/19: $83,762.93 (1 year tracking)
8/19: $101,572.33 (graduated to the 100-250k thread)
3/20: $118,287.76 (2 years tracking)
3/21: $206,593.43 (3 years tracking)
11/21: $254,300.88 (graduated to the 250-500k thread)
12/21: $258,452.24 (+$4,151.36, +1.63%)
1/22: $266,408.54 (+$7,956.30, +3.08%)
2/22: $249,470.14 (-$16,938.40, -6.36%)
3/22: $251,915.95 (+$2,445.81, +0.98%)
4/22: $258,017.81 (+$6,101.86, +2.42%)
5/22: $241,209.30 (-$16,808.51, -6.51%)
6/22: $241,739.39 (+$530.09, +0.22%)
7/22: $225,680.23 (-$16,059.16, -6.64%)
8/22: $246,154.19 (+$20,473.96, +9.07%)
9/22: $240,189.31 (+$5,964.88, -2.42%)
10/22: $221,181.52 (-$19,007.79, -7.91%)
11/22: $270,565.23 (+$49,383.71, +22.33%)
12/22: $275,363.22 (+$4,797.99, +1.77%)
1/23: $274,105.08 (-$1,258.14, -0.46%)
2/23: $293,115.01 (+$19,009.93, +6.94%)
3/23: $290,001.63 (-$3,113.38, -1.06%)

Two steps forward, one step back. Will I ever hit $300k? Who's to say?

[dignam]

	2020	2021	2022	2023
Jan		$308k	$462k	$435k
Feb	$253k	$319k	$441k	$462k
Mar	$221k	$332k	$440k	$463k
Apr	$239k	$349k	$455k
May	$244k	$355k	$425k
Jun	$265k	$368k	$449k
Jul	$269k	$378k	$426k
Aug	$281k		$449k
Sep	$294k	$394k	$438k
Oct	$290k	$399k	$412k
Nov	$301k	$436k	$421k
Dec	$308k	$454k	$449k

[snoot]

01/2018 $67,602
01/2019 $101,315
01/2020 $196,633
01/2021 $276,482
01/2022 $353,077
01/2023 $404,419
02/2023 $404,203

Great work everyone!

[SeattleStache]

The first number is retirement related investments, the second is total NW including real estate, cash savings, and other investments. I'm only counting retirement related investments for this race!

December 2019: $292,062 (total NW $423,991)
December 2020: $398,408 (total NW $572,704)
December 2021: $506,167 (total NW $665,639) Graduated for now, hope it holds! (update: didn't hold!)
December 2022: $459,000 (total NW $627,689)
January 2023: $494,000 (total NW $649,631)
February 2023: $483,124 (total NW $655,209)

[Psyche]

Hello again!  Looks like last time I posted was Dec 2021 (cue bitter laughter). 

I was careful NOT to watch my net worth during 2022--just focused on plowing in contributions instead.  Interestingly, I found that "not peeking" really mattered: the few times I had to log into my accounts, it was still an emotional blow to actually see the numbers.  Even though I was fine with just hearing how much the markets were down (and indeed recognize this as a boon for me as a buyer).  The emotional reaction just doesn't respond to logic. So I will definitely continue not looking! 

In Feb I did finally go back and pull all my numbers to update spreadsheets, though, so here those are:

	2021	2022	2023
Jan	$223,873	$309,293	$323,419
Feb	$239,134	$302,262	$315,914
Mar	$264,278	$311,749
Apr	$283,849	$285,760
May	$293,311	$287,425
Jun	$304,208	$271,762
Jul	$308,247	$298,857
Aug	$317,756	$291,265
Sep	$302,747	$269,919
Oct	$319,147	$293,999
Nov	$313,668	$313,894
Dec	$327,813	$299,457

2022 was a wild year.  I changed career fields, landed my dream job in January, excelled at it, and then lost it in December when the company cut off remote work.  Now I am (reluctantly) searching for a new company.  Being on the FIRE path means no rush to start a new position, which is good for stress levels but bad for procrastination : D

Good to everyone in 2023!

[ontheheel]

Greetings from Thailand! Still deployed. February was a down month for the market, but we somehow ended up 10k in the black once the dust settled. Savings, rental income, and slightly rising property values more than made up for a marginally off month in equities.

Net worth consists of equity portfolio, two rental properties, and cash (checking/savings). Liabilities are month-to-month credit card (PIF every month), two mortgages on rental properties, and what’s left of my wife’s student loans.

	2019	2020	2021	2022	2023
January	$87,000	$153,000	$241,000	$347,000	$408,000
February	$95,000	$159,000	$246,000	$354,000	***$418,000***
March	$95,000	$152,000	$255,000	$372,000	-
April	$98,000	$172,000	$267,000	$381,000	-
May	$95,000	$157,000	$290,000	$381,000	-
June	$104,000	$187,000	$303,000	$383,000	-
July	$106,000	$202,000	$325,000	$396,000	-
August	$115,000	$206,000	$333,000	$387,000	-
September	$118,000	$207,000	$328,000	$378,000	-
October	$134,000	$215,000	$342,000	$394,000	-
November	$136,000	$233,000	$346,000	$403,000	-
December	$143,000	$234,000	$359,000	$404,000	-
Annual gain	$56,000	$89,000	$125,000	$57,000	-

[/quote]

[zeli2033]

Investments Only

	2018	2019	2020	2021	2022	2023
January	-	$52,928	$163,400	$239,950	$347,310	$380,483
February	-	$61,806	$156,457	$250,940	$342,981	$383,698
March	-	$72,482	$145,287	$261,224	$359,722	-
April	-	$99,041	$163,919	$280,829	$304,751	-
May	-	$96,807	$178,765	$284,686	$336,271	-
June	-	$106,071	$185,289	$293,185	$322,698	-
July	$4,624	$112,395	$201,395	$301,660	$363,465	-
August	$12,784	$116,527	$222,183	$312,943	$349,355	-
September	$22,476	$124,973	$221,234	$305,520	$322,151	-
October	$27,980	$135,196	$225,329	$325,798	$351,955	-
November	$36,219	$143,839	$221,148	$329,221	$364,086	-
December	$36,235	$150,705	$234,567	$357,336	$358,064	-

Haven't checked in here since July 2022...and the market has continued to market, showing not much progress despite our continuing to shovel money to 401ks, IRAs and HSA.  Since the last update, we haven't added much more to the brokerage in favor of a paying down our HELOC, taking a spendy vacation last fall, and trying to balance adding some funds to our efund while tech layoffs remain the reality. We should be set to payoff the HELOC in Q2 of 2023 (woohoo!) so will see a shift in funding the brokerage once we feel have our efund back to a comfy level.

[Mainlander]

FEBRUARY UPDATE

08/01/20: $253,789
09/01/20: $257,810
10/01/20: $256,193
11/01/20: $255,810
12/01/20: $273,815
01/01/21: $276,958
02/01/21: $286,621
03/01/21: $290,643
04/01/21: $311,128
05/01/21: $320,779
06/01/21: $328,171
07/01/21: $352,430
08/01/21: $360,851
09/01/21: $370,656
10/01/21: $364,708
11/01/21: $377,421
12/01/21: $380,530
01/01/22: $392,394
02/01/22: $394,149
03/01/22: $392,619
04/01/22: $404,583
05/01/22: $389,829
06/01/22: $395,217
07/01/22: $380,000
08/01/22: $373,664
09/01/22: $387,311
10/01/22: $393,399
11/01/22: $382,206
12/01/22: $398,186
01/01/23: $389,830
02/01/23: $415,973
03/01/23: $416,171

Almost squeaked out a $200 gain for February. Wooowhoooo!!!

[VodkaWater]

2023 NW/Investments

Jan: $325,153 / $332,277
Feb: $312,957 / $325,669


Well January start well. February ended with a layoff so now I am just thankful to have savings.

[Turtle]

2023 NW/Investments

Jan: $325,153 / $332,277
Feb: $312,957 / $325,669


Well January start well. February ended with a layoff so now I am just thankful to have savings.

Good that you have savings.  Hope you got a decent severance package.

My layoff a decade ago led to me making a whole lot more money at subsequent jobs.  I hope yours does the same for you!

[The Tester]

And with that, I'm officially outta here.  See you in the next thread.  Congratulations @runningthroughFIRE @SeattleStache, you're almost there.

Looks like I spoke too soon.  Still, a lot has happened since I last reported in more than a year ago.  Got a new job and moved across the country, and looking to buy a house soon.

	2019	2020	2021	2022	2023
January	-	$281,256	$406,011	$498,509	$498,999
February	-	$268,507	$419,342	$494,190	$494,479
March	-	$244,811	$426,217	$510,498	-
April	-	$275,496	$454,020	$471,635	-
May	-	$296,407	$454,614	$456,915	-
June	-	$311,160	$478,081	$443,231	-
July	-	$329,791	$488,121	$480,600	-
August	-	$348,640	$503,668	$464,981	-
September	-	$348,234	$488,7612	$436,029	-
October	-	$345,595	$515,833	$461,542	-
November	$266,069	$382,855	$513,569	$482,174	-
December	$277,275	$402,434	$521,801	$466,275	-

[EchoStache]

March 2023 Update:

Net Worth:
1/01/2020:     $30,773
1/01/2021:     $82,262   (+$51,489)
1/01/2022:     $161,480 (+$79,218)
10/01/2022:   $236,098 (+$74,618)
10/28/2022:   $251,665 (+$15,567)------->Joined the thread :)
12/01/2022:   $278,442 (+$26,777)
03/12/2023:   $297,693 (+$19,251)

$500k goal:  12/31/2024


My goal is going to be tough to achieve.  I've been a super spendy pants and bought a new Tesla :(   We have also spent a good chunk on furniture i.e. $6k, about to install a $31k solar system, and expand our patio for $3200.

Other than retirement investing, most of this year will be used to pay off the car and solar.

I'm not sure I like using my total net worth for the thread......home equity and value of my cars doesn't help me FIRE.  I think once my invested assets are over $250k, I may switch how I track.  Or maybe just report both going forward:

Net Worth/Invested Assets:
3/12/2023: $297,693/$198,857

[bloodaxe]

March 2020: 78,000
April 2020: 91,000
May 2020: 106,000
June 2020: 115,000
July 2020: 125,000
September 2020: 145,000
October 2020: 157,076.76
November 2020: 170,592.07
December 2020: 186,935
January 2021: 204,451
March 2021: 214,068
April 2021: 233,785.28
April 26, 2021: 252,949.69
June 2021: 262,929.30
July 2021: 276,020.11
August 2021: $287,492.04
September 2021: 310,204.48
November 2021: $342,636.87
December 2021: 351,770.0
January 2022: 371,918.79

Haven't updated in more than a year. Didn't check net worth much in 2022. Got laid off in November. Started a new job in January.

March 2023: 481,446.68

[Lilium]

2022/11    234,446
2022/12    401k switch
2023/01    253,622
2023/02    252,575
2023/03    256,289