Race from 250 to 500k!

[FrugalByChance]

Hi All,

I just graduated from to 100K-250K thread.

I have also added myself to the google tracking sheet for this thread. (https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/)

As I'm living and getting payed in the Netherlands, all my numbers are in EUR.
growth = difference with month before
deposits = money I added to the stash.

Only counting my "Early Retirement stash". So this does not include my emergency-fund, pension capital, or payed-off residence. These are the "end of the month" numbers:

Month      Early Retirement Stash
Jan 2016   €  58 971.00
Jan 2017   €  86 368.00
Jan 2018   € 119 817.00
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%)

Jan 2020  € 198 632.07   (growth:  € 2 833.35)
Feb 2020  € 193 987.01   (growth: -€ 4 645.06)
Mar 2020  € 179 084.86   (growth: -€14 902.15 deposits: € 7 273.31) 
Apr 2020  € 200 737.12   (growth:  €21 652.26 deposits: € 3 798.78)
May 2020  € 209 540.07   (growth:  € 8 802.95 deposits: € 5 855.37)
Jun 2020  € 214 045.88   (growth:  € 4 505.81 deposits: € 3 240.00)
Jul 2020  € 220 555.81   (growth:  € 6 509.93 deposits: € 4 324.66)
Aug 2020  € 237 427.24   (growth:  €16 871.43 deposits: € 5 462.50)
Sep 2020  € 235 543.53   (growth: -€ 1 883.71 deposits: € 1 058.72)
Oct 2020  € 238 322.92   (growth:  € 2 779.39 deposits: € 4 400.00)
Nov 2020  € 262 121.50   (growth:  €23 798.58 deposits: € 6 521.65)

Unexpected graduation? Did not expect to blow past the target this month already. Got a big push from the market.
Thanks for all the inspiration.

[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
Sep 2020: $390.84k
Oct 2020: $384.47k
Nov 2020: $431.15k

Sent from my SM-N960U using Tapatalk

[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)
10/2020  - 338,532 (+1,657)
11/2020  - 332,899 (-5,633)
12/2020  - 396,311 (+63,412) - huge increase due to market run up post election (like everyone else)

I'm hopeful to pass 400k with the remainder of our 401k contributions and there being no pull backs in the market. This has been a wild year for us investment wise, but don't necessarily expect to have a huge increase throughout the year like this again in future years. Huge increase was due to a house sale where we put much of the proceeds into the market. This is not normal for us.

[Jim Fiction]

Hi all!

Making the jump up from the 100K to 250K thread.

I've broken out the numbers into individual and joint (with DW) net worth. We do not own a house (yet), so numbers reflect cash/equivalents and retirement accounts. Our only debt is whatever is currently on our credit cards, which gets paid off each month. Below are our numbers, dating back to when we first joined the last thread. Initially it was my own journey, but at this stage in my marriage it made sense to report the joint numbers which I had already been tracking.

                  Solo NW      Joint NW
4/30/2020 -       101,897        203,198
5/31/2020 -       109,544        218,023
6/30/2020 -       114,288        227,585
7/31/2020 -       117,338        236,196
8/31/2020 -       128,213        251,254
9/30/2020 -       125,543        246,779
10/31/2020 -     130,200        251,727
11/30/2020 -  141,260       266,097

As you can see we've been teetering on the line for a few months now, but we've blown past the mark this month so I figured it was time to graduate. Looking forward to sharing our journey to 500K with the rest of you.

[Jim Fiction]

Hi All,

I just graduated from to 100K-250K thread.

I have also added myself to the google tracking sheet for this thread. (https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/)

As I'm living and getting payed in the Netherlands, all my numbers are in EUR.
growth = difference with month before
deposits = money I added to the stash.

Only counting my "Early Retirement stash". So this does not include my emergency-fund, pension capital, or payed-off residence. These are the "end of the month" numbers:

Month      Early Retirement Stash
Jan 2016   €  58 971.00
Jan 2017   €  86 368.00
Jan 2018   € 119 817.00
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%)

Jan 2020  € 198 632.07   (growth:  € 2 833.35)
Feb 2020  € 193 987.01   (growth: -€ 4 645.06)
Mar 2020  € 179 084.86   (growth: -€14 902.15 deposits: € 7 273.31) 
Apr 2020  € 200 737.12   (growth:  €21 652.26 deposits: € 3 798.78)
May 2020  € 209 540.07   (growth:  € 8 802.95 deposits: € 5 855.37)
Jun 2020  € 214 045.88   (growth:  € 4 505.81 deposits: € 3 240.00)
Jul 2020  € 220 555.81   (growth:  € 6 509.93 deposits: € 4 324.66)
Aug 2020  € 237 427.24   (growth:  €16 871.43 deposits: € 5 462.50)
Sep 2020  € 235 543.53   (growth: -€ 1 883.71 deposits: € 1 058.72)
Oct 2020  € 238 322.92   (growth:  € 2 779.39 deposits: € 4 400.00)
Nov 2020  € 262 121.50   (growth:  €23 798.58 deposits: € 6 521.65)

Unexpected graduation? Did not expect to blow past the target this month already. Got a big push from the market.
Thanks for all the inspiration.

Congrats on your graduation! And thank you for posting the google doc, I too added myself to the tracker.

[SpareChange]

Up $34,238 to $477,165. Cool...

Congrats to the grads! Welcome to the newbies!

[L2]

10/1/20 NW: $250,496 . Stretch graduation goal: 12/31/2022
11/1/20: $254,125

12/1/20: $276,884. Thank you stock market!

[SquashingDebt]

Also joining this thread sooner than expected thanks to the market gains!  I was in the $100k to $250k thread for 18 months.  Let's see how long the next $250k takes :)

November 30, 2020 - $252,566

[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
9/1/20 - $440,121 // $291,650
10/1/20 - $435,659 // $291,480

11/1/20 - $433,409 // $286,627
12/1/20 - $469,544 // $323,214

Have a nice bonus coming in December - will it be enough to graduate?

[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%
1/31/2019	$200,473.39	$56,820.70	$257,294.09	~14.83%
2/28/2019	$194.787.12	$58986.57	$253.773.69	~-1.37%
3/31/2019	$198,888.47	$60,358.25	$259,246.72	~2.16%
12/31/2019	$258,407.93	$82,188.34	$340,596.27	~10.57%	Percentage off due to account access issues last month
1/31/2020	$257,367.80	$83,131.94	$340,499.74	~-.03%
2/29/2020	$242,699.30	$80,901.14	$323,600.44	~-4.96%
3/31/2020	$222,186.14	$72,334.33	$294,520.47	~-8.99%
4/30/2020	$235,782.52	$82,664.90	$318,447.42	~8.12%
5/31/2020	$246,272.22	$90,513.89	$336,786.11	~5.76%
6/30/2020	$250,622.46	$89,754.00	$340,376.46	~1.07%
7/31/2020	$263,232.11	$96,179.30	$359,411.41	~5.59%

Numbers based on Mint.  Does not include a few minor accounts with less then $1000 total.

11/30/2020 Fire:$292,346.32  + Medi:$97,826.53 =$390,172.85  ~7.86% 

Holy crab cakes I've missed a few updates!  I have the numbers, but lazy person syndrome...  The short story is, I spent too much, (new House Siding, Woot?) and have been working to re-control expenses.   Despite that, seems I've still added some cash to me small chunk.
Looking WAY WAY back it seems I made the guess I'd hit between 400-410k this year.  Not sure I will actually hit that, but it's gonna be close.  Which is a HECK of a lot better then what I originally though based on my expenses this year. 

Hope everyone else is getting the same surprise, we definitely need more good news like that this year.

[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
Jul 2020 $847,335.26 -$453,339.28 $393,995.98
Aug 2020 $901,558.90 -$452,541.02 $449,017.88
Sep 2020 $899,175.10 -$450,501.08 $448,674.02
Oct 2020 $897,909.23 -$449,998.62 $447,910.61
Nov 2020 $902,503.21 -$421,888.91 $480,614.30

[grantmeaname]

Whoa, you're almost out of here!

[McStache]

This is the third month I've been above 500k mid-month, but the first one I've made it over at end of month accounting time.  Third time's the charm I guess?

I also just crossed the $250K mark this past month.  I had projected it would take 2.5-3 years to go from $100K to $250K and it actually took 1.75 thanks to the market tailwinds and a small windfall.  Based on my spreadsheet, I project I'll hit $500K in 4ish years - though who really knows.  This time frame lines up with about when I turn 30 and it would be awesome to be a half-millionaire by then (two Nice Round Numbers at once!), so I will shoot for that.

This journey ended up taking 3 and a bit years vs my initial estimate of 4ish.  This year in particular has been a bit of a net worth rollercoaster, but staying the course seems be working out!  I've made my line from the google sheet(https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/edit#gid=1302523503) absurdly big to show off my progress below.

Welcome to all the new racers and congrats to my fellow graduates!

[malachite]

It's actually working.  I remember when I first found MMM a few years ago and started saving I marveled at people on these threads that were seeing $10k+ monthly savings increases. Now here I am with a year-to-year where I managed to put away $134k.  It is one thing to understand the math and something completely different to actually see it work!

Month	Investments	Home Equity	Net Worth
NOV 19	286k	193k	480k
DEC 19	292k	195k	487k
JAN 20	293k	196k	489k
FEB 20	288k	197k	485k
MAR 20	260k	198k	458k	<-- Momentary downward blip thanks to COVID
APR 20	285k	199k	483k
MAY 20	306k	200k	505k
JUN 20	311k	200k	511k
JUL 20	326k	201k	527k
AUG 20	334k	202k	536k
SEP 20	336k	187k	523k
OCT 20	385k	190k	576k	<-- thanks to my employer for the nice bonus. At a saving rate of ~$7k/month this bonus moved up FI by about half a year.
NOV 20	420k	201k	621k	<-- Stock market for the win?

[Accrual]

6/1/2018 - $102k
6/1/2019 - $167k
10/1/2019 - $189k
11/1/2019 - $190k
12/1/2019 - $207k
1/1/2020 - $210k
2/1/2020 - $212k
3/1/2020 - $210k
4/1/2020 - $206k
5/1/2020 - $214K
6/1/2020 - $234k
7/1/2020 - $239k
8/1/2020 - $244k
9/1/2020 - $250k
10/1/2020 - $250k
11/1/2020 - $254k
12/1/2020 - $295k

[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
Oct 1: 564,814/351,456
Nov 1:.561,416 /347,157

Dec 2: 611,075/397,396

A good month!!!! But I forgot to check yesterday, so my streak is broken.

[Steeze]

[But I forgot to check yesterday, so my streak is broken.

I am taking this as an omen

[lcmac32]

New racer coming in.  I have held off moving from the $100-$250k race, but now figure I am above the mark....hopefully to stay.  I am tracking my 401k only.   My stretch graduation goal is 4 years (Dec. 2024). Here are the numbers:

                                 401k
Nov. 12, 2019         $238,035.96
Dec.   3, 2019         $240,880.64
Jan.   1, 2020          $249,417.11
Feb. 11, 2020          $257,961.03
Oct.  13, 2020         $277,374.19
Dec.   3, 2020         $296,200.72

[moonpalace]

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
Nov. 2020  $427,563
Dec. 2020  $444,558

Four years of MMM = $400k NW gain!

[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
Oct 2020 $294k
Nov 2020 $290k
Dec 2020 $301k


401k and IRA have been maxed this year, starting to dabble within my brokerage account.

[Mazzinator]

Investments only! (I do have a good bit of low rate, long term debt which makes my NW lower) numbers are end of month.

Sept 17- $257k
Oct 17- $264
Nov 17- $270
Dec 17- $276
Jan 18- $280
Feb 18- $279
Mar 18- $287
April 18- $294
May 18- ?
June 18- $304
July 18- $316
Aug 18- $334
Sept 18- $340
Oct 18- $320
Nov 18- $311
Dec 18- $316
Jan 19- $320
Feb 19- $334
Mar 19- $342
April 19- $357
May 19- $338
June 19- $365
July 19- $379
Aug 19- ?
Sept 19- ?
Oct 19- ?
Nov 19- ?
Dec 19- $422
Feb 20- $390
Mar 20- $322
April 20- $376
May20- $402
June 20- ?
July 20 - $428
Aug 20 - ?
Sept 20 - ?
Oct 20 -  $482

Nov 20 - $501  I did it!!!!

Bye bitches!!! And good luck!! See you all in the next group!!!

[achvfi]

Bye bitches!!! And good luck!! See you all in the next group!!!

Bye Bitch

[solon]

	2018	2019	2020	2021	2022
January	132,155	177,349	282,110	-	-
February	138,015	188,332	290,845	-	-
March	138,469	187,634	288,022	-	-
April	148,093	197,461	257,224	-	-
May	158,814	194,010	276,627	-	-
June	161,284	186,414	299,563	-	-
July	160,446	196,934	304,249	-	-
August	168,222	267,535	318,456	-	-
September	184,158	268,153	324,661	-	-
October	189,536	271,542	317,511	-	-
November	184,146	283,636	323,958	-	-
December	182,675	287,248	341,124	-	-

Nice growth this year, in spite of the pandemic troubles.

[jda85]

7/1/2018: 251,250 ---- FINALLY MADE IT! YEAAAA!!!
8/1/2018: 255,675
9/1/2018: 268,570

12/5/2020: 505,000.00!!!! --  Its been a while since posting. But somehow in this crazy year we MADE IT TO 500,000. The wild part is in January we were sitting at 353,000.  Delta of 152,000!!!!
I have no idea how it happened, I guess market gains. We even dropped from 2 earners to one because of Covid. Anyway, onward to 1M I guess. I didn't really plan to go that high, but why not.

[The Tester]

I knew that there would probably be an increase since the last few months seemed to be stagnant, but I wasn't expecting that much of a jump.  At this rate I'll be graduating in another year.

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
September 2020	-	$348,234
October 2020	-	$345,595
November 2020	-	$382,855

[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
11/20/20 - $461k

12/6/20 - $465k

[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		$286,632
Nov		-		$202,222		$299,591
Dec		$133,314		$210,924		$316,522

[jlcnuke]

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.
1 October            - $365,638.
1 November         - $341,694.
1 May 2019           - $372,682
15 Sept 2019         -$392,243
1 January 2020     -414,598.

1 January 2021 - $502,810

Not a bad year financially, all things considered. I guess it's time to introduce myself in the next "bracket" thread.

[lcmac32]

New racer coming in.  I have held off moving from the $100-$250k race, but now figure I am above the mark....hopefully to stay.  I am tracking my 401k only.   My stretch graduation goal is 4 years (Dec. 2024). Here are the numbers:

                                 401k
Nov. 12, 2019         $238,035.96
Dec.   3, 2019         $240,880.64
Jan.   1, 2020          $249,417.11
Feb. 11, 2020          $257,961.03
Oct.  13, 2020         $277,374.19
Dec.   3, 2020         $296,200.72

12/9/2020 - Quick update as I broke $300k for the first time @ $300,534.49.  I am not sure why that is such a big deal to me, but it is.  Long way to go for FIRE or for me likely FI (almost 50 yr. old).  Anyone else feel that way about breaking three hundo?  I finally feel like compounding is going to make significant differences along with my savings.  For so long it has felt more like what I could save, but now starting to see compounding destroy what I saved.  Almost a 5:1 difference in 2020. 

[Steeze]

Congratulations! Nice seeing all that hard work pay off right?

I can relate - I hit 250k in January (again in April) - it has been a wild ride since. Looking at the projections I made on Jan 1st compared to now - I am up $60k from where I thought I would be and still have 2 paychecks and end of year bonus to go. I plan for +6% (9%-3% inflation) per year in my projections, this year I am up over 15% plus a bit of rebalancing magic for another few %. Might hit 400k 6 months early if the markets hold up this month. Nice to see that green army making moves - basically have a full-time job at $20/hr that I don't have to show up to but still get paid for!

  Anyone else feel that way about breaking three hundo?  I finally feel like compounding is going to make significant differences along with my savings.  For so long it has felt more like what I could save, but now starting to see compounding destroy what I saved.  Almost a 5:1 difference in 2020.

[MrThatsDifferent]

I’ve graduated! See ya at the next one.

[dogboyslim]

Taxable Investments only.

I haven't updated in quite a while.  My job was eliminated this year, but I was able to find a similar one with no gap in employment.  Before we were sure I'd have a job, we paid the rest of our mortgage balance off in August to get our cash flows down to something we could handle on Mrs. DBS's income, and that came from this account.  Now we are working to get the balances back up, but I don't see graduation in 2021 without a miracle.  Since I view the market as severely inflated right now, I suspect it could be a painful year for returns, but since you never know, I'm still contributing.

	2017	2018	2019	2020	2021
January	$59,598	$130,690	$172,016	$276,751	-
February	$94,135	$130,112	$210,931	$288,444	-
March	$96,711	$170,547	$220,649	$274,230	-
April	$100,313	$175,470	$231,153	$298,302	-
May	$104,001	$181,127	$230,149	$316,851	-
June	$107,339	$183,621	$244,641	$330,345	-
July	$111,240	$190,156	$252,651	$346,265	-
August	$113,472	$162,706	$257,825	$277,599	-
September	$117,719	$165,350	$264,537	$274,206	-
October	$119,898	$160,600	$273,062	$276,883	-
November	$121,666	$165,845	$294,017	$307,590	-
December	$125,576	$160,236	$269,709	-	-

[Nick_Miller]

Congrats on movin' on up, @MrThatsDifferent and @jda85!

The Miller clan just hit $484K here in mid-December, so yes I'm checking my accounts way too frequently still.

[oneday]

Note: I'm not working ATM - just started the job search, so no projected graduation currently.
Job acquired! long range projections in progress

	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	$367K	-	-
October	$276K	$325K	$361K	-	-
November	$280K	$335K	$394K	-	-
December	$268K	$343K	-	-	-

@jojoguy @mbk @FrugalByChance @Jim Fiction @SquashingDebt @lcmac32  Welcome!

Congrats to our graduates @Whiskers @Jadzia37000 @achvfi @Natha @hudsoncat @McStache @Mazzinator (good luck with the next $500K, bitch) @jda85 @MrThatsDifferent !

So much turnover this month. My head is spinning!

[Ladychips]

@oneday congratulations on your new job!!

[Vashy]

end-2018:  £287,177
Mar-2019: £313,570
Apr-2019: £322,726
May-2019: £330,583
Jun-2019: £339,992
Jul-2019: £349,062
Aug-2019: £354,036
Sep-2019: £362,238
Oct-2019: £370,985
Nov-2019: £377,097
Dec-2020: £385,670
Jan-2020: £394,002
Feb-2020: £394,625
Mar-2020: £366,559
Apr-2020: £367,364
May-2020: £387,750
Jun-2020: £395,376
Jul-2020: £406,107
Aug-2020: £407,577
Sep-2020: £415,436
Oct-2020: £424,444
Nov-2020: £436,017
Dec-2020: £445,311

(total NW; will hopefully graduate from here next year or start again with just investment assets...)

[FrugalFisherman10]

I've graduated to this thread now. I went from 100 - 250k between June 2017 and December 2019, so a year and a half. In line with the concept behind this thread, it Would be pretty cool to take the same amount of time to double my money again but not sure I see that as realistic. An easy riding up up up market has been the ticket so far I feel like.

Checking back in to post at the end of the year...I stopped checking my accounts /overall net worth this year. I think it's been a good move and a healthy thing to do. Was looking at them too much before. Now I hope to just look at them at year end, and maybe when making big financial decisions.

I stopped checking them just before COVID got bad. Checked back in this week and I'm at $351k! Up 100k from last time I posted. Nice!

Although... I'm about to do some year end/catch-up giving, so that'll knock me back below $350k.


Sent from my iPhone using Tapatalk

[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
Jul 2020 $847,335.26 -$453,339.28 $393,995.98
Aug 2020 $901,558.90 -$452,541.02 $449,017.88
Sep 2020 $899,175.10 -$450,501.08 $448,674.02
Oct 2020 $897,909.23 -$449,998.62 $447,910.61
Nov 2020 $902,503.21 -$421,888.91 $480,614.30
Dec 2020 $927,329.91 -$418,8651.23 $508,468.58
A few days early, but I'm not expecting much/any change between now and Jan 1. I sold a car this month and that pushed me over the edge - I'm about to pay for a kitchen renovation so I might still be here next month...we shall see!

[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.

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)
September 2020: $343,809 (total NW $480,842)
October 2020: $342,336 (total NW $516,708)
November 2020: $384,727 (total NW $562,723)
December 2020: $398,408 (total NW $572,704)
Total retirement increase for 2020: $106,346
Total NW increase for 2020: $148,713

What a year! I feel so fortunate to still be employed and to have the luxury of being able to continue to max out my retirement savings. Here's hoping 2021 is brighter for all.

[falsekrakk808]

Here goes nothing!

I've kept an eye on threads like this for some time now but never felt my numbers were worth posting although I've been tracking them for a few years now. When I look back at my progress, it sure is inspiring to see what steady improvements to your personal finance can do for your investments. Increased savings rate, LBYM, raising TSP contributions, etc. These have all helped me on this journey to where I am today.

I just wish that I had joined this group earlier. Good luck to everyone!!

APR 20 - $256
MAY 20 - $278
JUN 20 - $282
JUL 20 - $304
AUG 20 - $312
SEP 20 - $295
OCT 20 - $286
NOV 20 - $330
DEC 20 - $360

[liquidcheese]

I'm in, I track by investment dollars since I am in my forever home and never intend to sell it.  Hopefully I will hit 500K in investments sometime in 2021.  Looking back, I put a down payment down on a house in 2018 of 20k, but must of been a relatively low return year as well that year.

12/31/16 - $176319
12/31/17 - $257232
12/31/18 - $261719
12/31/19 - $340910
12/30/20 - $435207

[grantmeaname]

7/13/18   $ 63k
10/19/18  $ 75k
1/31/19   $ 80k
2/28/19   $100k
5/31/19   $119k
8/30/19   $130k
12/31/19  $163k
3/31/20   $156k
4/30/20   $187k
5/31/20   $196k
6/30/20   $208k
7/31/20   $228k
8/31/20   $242k
9/30/20   $246k
10/31/20  $252k
11/30/20  $287k

  12/31/20  $304k

We're over $300k! We can graduate in a year with a strong market, or in Feb '22 without one.

[SquashingDebt]

November 30, 2020 - $252,566
December 21, 2020 - $279,231

Quite a jump this month, much of which was from my ESOP shares getting their 2020 (increased) valuation.

[zee dot]

In September 2020 I bought a cabin. I'm heading back to the race for 250k but hope to be back by the end of next year.

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)
2/2020 $233,248.37
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
8/2020 $304,363.96
9/2020 $153,230.49 (bought cabin)
10/2020 $161,197.31
11/2020 $192,106.43

[Nick_Miller]

Jan 2017    $147,729.69
April 2017  $140,847.57
July 2017   $157,768.24
Oct 2017    $173,045.00
Jan 2018    $190,018.18
April 2018  $206,732.49
July 2018   $231,046.53
Oct 2018    $252,544.08
Jan 2019    $252,481.67
April 2019  $311,927.67
July 2019   $326,646.84
Oct 2019    $338,088.89
Jan 2020    $364,075.39
April 2020  $347,174.09
July 2020   $401,514.57
Oct 2020    $433,564.24
Jan 2021  $487,851.85

Getting close to moving on up! Perhaps by January or February? All depends on the market.

I went ahead and chopped our net worth history to quarterly, because going from $500K to $1M (hopefully) is gonna be a looooooong slog.

[runningthroughFIRE]

My annual bonus paid out this month.  Never had a bonus for the whole year get paid out in one lump sum before - easily makes this my highest cash inflow month (and coincidentally one of the lowest outflow months) of my career. Stocks being on a rise doesn't hurt, either.

	2015	2016	2017	2018	2019	2020	2021
January	-	11K	53K	110K	149K	224K	-
February	-	14K	60K	112K	157K	216K	-
March	-	22K	64K	113K	164K	191K	-
April	-	26K	68K	115K	173K	221K	-
May	(17)K	29K	72K	120K	170K	236K	-
June	(7)K	31K	75K	121K	182K	243K	-
July	(6)K	37K	79K	129K	188K	263K	-
August	(2)K	39K	84K	140K	189K	285K	-
September	(0)K	36K	89K	144K	191K	279K	-
October	4K	39K	93K	138K	203K	281K	-
November	5K	44K	98K	146K	212K	324K	-
December	7K	49K	103K	138K	219K	-	-

Stretch goal for the year was increase NW by $100K - nailed it and then some!  Expenses were crazy low this year & if they return to normal it looks like I should be able to graduate in October 2023 with a decent market.

	2019	2020	2021
January	149K	224K	-
February	157K	216K	-
March	164K	191K	-
April	173K	221K	-
May	170K	236K	-
June	182K	243K	-
July	188K	263K	-
August	189K	285K	-
September	191K	279K	-
October	203K	281K	-
November	212K	324K	-
December	219K	339K	-

[MudPuppy]

Household net for 2 adults:

05/2020: 203K
06/2020: 225K
07/2020: 236k
08/2020: 252k
09/2020: 264k
10/2020: 262k
11/2020: 271k
12/2020: 297k

01/2021: 303k


Some of the market gains were offset by closing and title fees for the refinance, but it feels good to cross into to 300k range!

[FrugalByChance]

I have also added myself to the google tracking sheet for this thread. (https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/)
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%)

Jan 2020  € 198 632.07   (growth:  € 2 833.35)
Feb 2020  € 193 987.01   (growth: -€ 4 645.06)
Mar 2020  € 179 084.86   (growth: -€14 902.15 deposits: € 7 273.31) 
Apr 2020  € 200 737.12   (growth:  €21 652.26 deposits: € 3 798.78)
May 2020  € 209 540.07   (growth:  € 8 802.95 deposits: € 5 855.37)
Jun 2020  € 214 045.88   (growth:  € 4 505.81 deposits: € 3 240.00)
Jul 2020  € 220 555.81   (growth:  € 6 509.93 deposits: € 4 324.66)
Aug 2020  € 237 427.24   (growth:  €16 871.43 deposits: € 5 462.50)
Sep 2020  € 235 543.53   (growth: -€ 1 883.71 deposits: € 1 058.72)
Oct 2020  € 238 322.92   (growth:  € 2 779.39 deposits: € 4 400.00)
Nov 2020  € 262 121.50   (growth:  €23 798.58 deposits: € 6 521.65)

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%)

[Steeze]

01-16-20 : 251k
02-29-20 : 253k
03-31-20 : 224k
04-30-20 : 254k
05-31-20 : 257k
06-30-20 : 274k
07-31-20 : 300k
08-31-20 : 323k
09-30-20 : 322k
10-31-20 : 329k
11-30-20 : 370k
12-31-20 : 410k <- +167k in 2020

Original target for 500k - June 2022
Current target for 500k - March 2022

[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
Oct 1: 564,814/351,456
Nov 1:.561,416 /347,157
Dec 2: 611,075/397,396

2021
Jan 1: 624,711/408,641

Investments crossed 400k for the first time and are up over 100k since June!!! Total net worth was increased 177k for the year. For some perspective, total household income was 95k for the year, and spend was 41k.