Race from 500k to 1M!

[Finwiz]

@Finwiz i think since we both graduated the 250-500 race the same month we should race to $1,000,000. you have an ambitious goal of 2 years. It might be hard to keep up!

at 8% returns we are looking more like January 2025

Lets do it! Its definitely an ambitious, highly aggressive goal. More realistically we're looking at sometime between December 2023 to July 2024 given that I doubt we can keep up the sort of pace we've had so far this year (we're on pace to increase NW by ~$234,000 this year which is insane).

To hit it in 2 years, we'd need to save about $175,000/year at 8% returns. To make it in2.5 years we'd need to save about $130,000/year at 8% returns. We'll see - for now just keep chugging along and hope the career track continues in the right direction.

Congrats @Finwiz Looks like you were right on schedule! Keep it up!

Honestly I had forgotten about this, but it's wild to look back on now as it looks like both of us weren't/aren't too far off our more realistic goal dates! It's also kind of hard to believe we've nearly tripled our net worth in a matter of three years, I don't think that pace is sustainable either, but hopefully I'm wrong again haha!

Looking forward to seeing you in the next thread soon, you're quickly closing in on 1mm!! Just to finish it off for 2023:

01/01/21 - $400,149
03/31/21 - $458,005 (+$57,856)
06/30/21 - $517,109 (+$116,960)
09/30/21 - $563,939 (+$163,790)
12/31/21 - $603,373 (+$203,224)

01/16/22 - $601,346 (-$2,026)
03/31/22 - $646,383 (+$43,010)
06/30/22 - $638,810 (+$35,437)
10/17/22 - $672,896 (+$69,523)
12/31/22 - $736,945 (+$133,573)

01/15/23 - $758,371 (+$21,425)
01/31/23 - $773,643 (+$36,697)
02/16/23 - $783,541 (+$46,595)
02/28/23 - $811,982 (+$75,036)
03/31/23 - $842,402 (+$105,457)
04/17/23 - $851,821 (+$114,875)
04/30/23 - $858,288 (+$121,342)
05/31/23 - $889,221 (+$152,275)
06/16/23 - $934,050 (+$197,104)
07/15/23 - $957,667 (+$220,721)
08/01/23 - $978,930 (+$241,984)
08/31/23 - $985,028 (+$248,083)
10/16/23 - $988,762 (+$251,816)
11/07/23 - $1,005,005 (+$268,059)
11/30/23 - $1,044,649 (+$307,703)
12/15/23 - $1,082,396 (+$345,450)
12/31/23 - $1,102,511 (+$365,566)

[jda85]

Starting with a copy from the 500k thread
12/5/2020: 505,000.00!!!!

End of 2023 update, getting so close to 1M NW!
$976,000

We have also achieved my initial fire goal invested in the market. I think I'll keep going for a while.

[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
03/2023 $415,695
04/2023 $424,700
05/2023 $437,751
06/2023 $450,159
07/2023 $465,262
08/2023 $469,431
09/2023 $471,576
10/2023 $479,470
11/2023 $503,422
12/2023 $524,606

Happy New Year!

[lampstache]

Investments only

	2017	2018	2019	2020	2021	2022	2023	2024
January	$34,633	$56,928	$98,248	$176,153	$419,499	$643,917	$586,257	$808,772
February	$40,740	$56,241	$115,926	$182,362	$433,878	$631,440	$641,711	-
March	???	$57,195	$123,445	$171,868	$481,671	$612,570	$643,961	-
April	$41,346	$57,635	$129,678	$188,425	$503,015	$628,685	$673,394	-
May	$41,840	$66,682	$136,527	$255,004	$536,515	$583,864	$671,053	-
June	$45,227	$71,500	$132,945	$279,130	$570,802	$566,514	$689,810	-
July	$45,862	$75,817	$142,557	$290,173	$570,802	$546,704	$727,315	-
August	$47,377	$85,050	$150,420	$310,173	$568,446	$587,836	$753,046	-
September	$47,669	$87,937	$146,310	$336,875	$596,208	$556,816	$752,227	-
October	$50,397	$94,114	$150,536	$338,532	$590,085	$526,251	$733,159	-
November	$52,288	$95,502	$155,627	$332,899	$625,776	$568,125	$720,868	-
December	???	$93,596	$165,458	$396,311	$611,435	$602,563	$773,792	-

Between maxing 401k's, Roth IRAs, profit sharing, and dividend reinvesting we contributed close to $79,000 to our investment accounts for 2023. Considering what we invested this year and the year over year total growth of $222,500, it completely boggles my mind. A poster said a few posts earlier about really seeing those investment gains in years 6-8 and we are definitely experiencing that now. We started tracking exactly seven years ago in January 2017.

[moonpalace]

Jan. 2017   $42,000 [discovered MMM at age 41]
...
Apr. 2019   $271,294
...
Aug. 2020  $402,692
Nov. 2020  $427,563
Dec. 2020  $444,558
Jan. 2021  $459,349
Feb. 2021  $475,145
Mar. 2021  $477,249
Apr. 2021  $503,448
---
Jan. 2023 $905,342

Probably at over $1 million if I used a more optimistic home valuation, but our hometown values have gone a little crazy since COVID and I've been reluctant to fully "count it."

In any event, what an amazing thing to go from very close to zero NW six years ago to about a million now! I feel so much less stress in my life because of this forum and all I've learned here.

[Turtle]

Congrats fellow recent graduates!

@Finwiz  2023-11-07
@drumstache  2023-12-04
@Turtle  2023-11
@neo von retorch  2023-12-31

Thank you and congrats to my fellow "double comma" folks! 

[Jaayse]

Investments only, solo journey (so far)

	2017	2018	2019	2020	2021	2022	2023	2024
January	-	$232,213	$356,542	$500,087	$659,936	$861,393	$832,242	-
February	-	$245,447	$383,348	$502,244	$662,250	$822,224	$819,073	-
March	-	$242,789	$394,563	$475,671	$684,929	$808,813	$844,327	-
April	$164,900	$246,140	$403,461	$429,092	$711,168	$833,824	$854,615	-
May	-	$318,398	$421,194	$474,155	$744,322	$774,884	$870,515	-
June	-	$328,870	$409,591	$500,241	$758,305	$781,422	$933,698	-
July	$180,808	$342,159	$435,981	$516,358	$776,059	$726,973	$966,972	-
August	$189,280	$354,936	$443,135	$544,475	$790,664	$786,353	$954,423	-
September	$193,727	$366,727	$441,101	$579,806	$814,231	$723,159	$919,923	-
October	$209,968	$374,465	$452,232	$568,885	$794,659	$758,212	$905,160	-
November	$220,602	$361,296	$466,688	$562,892	$834,154	$809,175	$994,923	-
December	$225,918	$370,140	$482,944	$632,574	$824,757	$775,674	$1,045,897	-

It is a little surreal to have hit 1 million this month, I feel like I've been close to it so many times and now to finally be there, it's a weird feeling... but I like it.  At this point, every month is pretty much a 5 figure swing in one direction or another, so who knows which way the wind will blow, but I'm still making steady investments and would like to hit 1.2M by the end of 2024 if the market does average.  It took 1.66 years to get from 250k to 500k, and almost exactly 4 years to get from 500k to 1M, a bit of lost time in there from 2022, but not every year is a positive one.  Hopefully it will take less than double the time to make it from 1M to 2M.  Best of luck to everyone, keep on putting in the work!

[tips^up]

1/1/2019 $106k LNW / $656k TNW
1/1/2020 $219k LNW / $756k TNW
1/1/2021 $394k LNW / $1,095k TNW
1/1/2022 $549k LNW / $1,643k TNW
1/1/2023 $463k LNW / $1,718k TNW (cashed out stocks for RE down pmt)

1/1/2024 $637k LNW / $2,278k TNW

Unbelievable to see numbers like this.  Add in my wife and we're at $2.71M, a $705,800 increase in 365 days.  It doesn't feel real, still have scarcity mindset.  Our 1999 and 2007 vehicles both rolled over 200k miles in 2023 and at least 1 will likely be upgraded in 2024.

[nouseforausername]

Investments only, solo journey (so far)

	2017	2018	2019	2020	2021	2022	2023	2024
January	-	$232,213	$356,542	$500,087	$659,936	$861,393	$832,242	-
February	-	$245,447	$383,348	$502,244	$662,250	$822,224	$819,073	-
March	-	$242,789	$394,563	$475,671	$684,929	$808,813	$844,327	-
April	$164,900	$246,140	$403,461	$429,092	$711,168	$833,824	$854,615	-
May	-	$318,398	$421,194	$474,155	$744,322	$774,884	$870,515	-
June	-	$328,870	$409,591	$500,241	$758,305	$781,422	$933,698	-
July	$180,808	$342,159	$435,981	$516,358	$776,059	$726,973	$966,972	-
August	$189,280	$354,936	$443,135	$544,475	$790,664	$786,353	$954,423	-
September	$193,727	$366,727	$441,101	$579,806	$814,231	$723,159	$919,923	-
October	$209,968	$374,465	$452,232	$568,885	$794,659	$758,212	$905,160	-
November	$220,602	$361,296	$466,688	$562,892	$834,154	$809,175	$994,923	-
December	$225,918	$370,140	$482,944	$632,574	$824,757	$775,674	$1,045,897	-

It is a little surreal to have hit 1 million this month, I feel like I've been close to it so many times and now to finally be there, it's a weird feeling... but I like it.  At this point, every month is pretty much a 5 figure swing in one direction or another, so who knows which way the wind will blow, but I'm still making steady investments and would like to hit 1.2M by the end of 2024 if the market does average.  It took 1.66 years to get from 250k to 500k, and almost exactly 4 years to get from 500k to 1M, a bit of lost time in there from 2022, but not every year is a positive one.  Hopefully it will take less than double the time to make it from 1M to 2M.  Best of luck to everyone, keep on putting in the work!

Great job! I am super impressed / motivated by your path.

[Apples]

Oct 2021:  $563,047.23
Nov 2021:  $571,338.24   
Dec 2021:  $600.016.41   
Jan 2022:  $631,482.70
Feb 2022:  $622,604.09
Mar 2022:  $629,602.05
April 2022:  $615,479.97
May 2022:  $619,678.03
June 2022:  $594,951.26
July 2022: $746,039.40
August 2022: $742,226.29
September 2022: $701,318.76
October 2022:  $721,805.00
November 2022:  $742,148.41 
December 2022:   $742,242.07 
January 2023:  $794,249.76 
February 2023: $786,074.34
March 2023: $800,846.11
April 2023:  $809,168.30
May 2023:  $815,500.40
June 2023:  $841,308.22  well the markets went up this month!  That's fun :)

July 2023: $863,827.01
August 2023:  $855,439.93
September 2023:  $840,396.00
October 2023:  $833,352.13
November 2023:  $872,155.83
December 2023:  $936,189.86

Finally updated our budget and net worth for the second half of the year.  The market went up in December and we did our annual paydown of farm loans, which helped the balance sheet.  It's wild to think we might become millionaires in 2024!  Because the vast majority of our net worth is based on the farm and investments, we are pretty much just along for the ride nowadays.

[Em-Dog]

Nice way to end the year!

	2018	2019	2020	2021	2022	2023	2024	2025
January	$11,592	$19,461	$52,636	$117,964	$307,781	$369,828	-	-
February	$12,414	$28,144	$48,605	$129,160	$322,118	$407,633	-	-
March	$12,259	$23,011	$45,431	$135,298	$352,170	$478,568	-	-
April	$13,641	$25,628	$50,763	$183,963	$329,584	$486,929	-	-
May	$16,646	$24,273	$55,517	$213,448	$337,156	$490,587	-	-
June	$16,625	$27,726	$58,784	$247,758	$316,192	$523,455	-	-
July	$17,057	$31,358	$63,678	$259,587	$349,011	$556,274	-	-
August	$17,375	$30,624	$69,345	$274,737	$344,052	$584,557	-	$750k Goal
September	$17,380	$41,343	$69,043	$269,876	$313,714	$569,039	-	-
October	$16,044	$43,732	$69,866	$294,685	$342,157	$566,124	-	-
November	$16,332	$46,935	$95,120	$294,439	$364,093	$609,465	-	-
December	$16,589	$51,547	$118,877	$313,367	$346,313	$637,152	-	-

[drumstache]

Congrats fellow recent graduates!

@Finwiz  2023-11-07
@drumstache  2023-12-04
@Turtle  2023-11
@neo von retorch  2023-12-31

Thank you and congrats to my fellow "double comma" folks!

Thanks and congrats as well!

[dandypandys]

2017
Jan 1st: 252k
Dec 4th 322.5k   

2018
Jan 1st:316.5k  64.5k up for 2017
Dec 1st:370k

2019
Jan 1st: $357.5 (first year of maxing out retirement accounts!) UP: 41k for 2018 (markets took a hit)
Dec 1st $498.5   

2020
Jan 1st $533.5  We did it! How exciting :) UP 176k for 2019
Dec 29th: $624 UP 90.5k for 2020

2021
Mar 2nd: $665
Mar 31: $674.5
May 1st: $703
May 28: $714
June 30: $728
July 30th: $777 sold some art :)
Sept 1: $796
Oct 1: $771.5
Nov: $808
Dec: $815.5   Put the condo up to 150k- Zillow says 180k now.
Dec 31:  $843  UP 218,977for 2021, but some was the condo

2022
Feb 1st: $807
Mar 1st: $798.5
Apr 1st $822.5
May 1: $786.5
June 1: $776
August 1:$781
Sept 1: $766
Oct 4: $735
Nov 2: $760.5
Dec 1:  $791.5

Jan 3: 769.5  sold art DOWN 73,345 for 2022
March 1: 803.5
Mar 30: 811
May 5th: 819
Aug 8: 884
Sept 2: 888
Oct 3: 855
Nov 5th: 866.5
Dec 3rd: 902.5

2024: UP 150,727 for 2023
Jan 4: 920.5

Exciting! I can't believe how close we are getting. We like many of you, started this journey of findin MM and following along with the plan in 2017.
I wonder when I will get to retire? Hubs wants to get OUT OF HERE ! ( Central Florida)

[solon]

	2018	2019	2020	2021	2022	2023	2024
January	132,155	177,349	282,110	344,002	562,144	566,920	658,932
February	138,015	188,332	290,845	360,553	550,651	603,222	-
March	138,469	187,634	288,022	367,222	545,172	612,629	-
April	148,093	197,461	257,224	387,064	575,922	616,858	-
May	158,814	194,010	276,627	398,896	547,618	618,599	-
June	161,284	186,414	299,563	407,230	541,730	644,443	-
July	160,446	196,934	304,249	418,701	527,166	660,703	-
August	168,222	267,535	318,456	520,045	577,017	656,843	-
September	184,158	268,153	324,661	527,305	561,402	658,526	-
October	189,536	271,542	317,511	520,004	545,003	647,666	-
November	184,146	283,636	323,958	552,965	554,486	632,663	-
December	182,675	287,248	341,124	542,337	581,821	658,487	-

Paid off a lot of zero rate loans. So even though it was a good month the needle barely moved.

[Dr Kidstache]

Apr 5 2019: $523,606 -> crossed 500k threshold
May 6 2019: $536,891
Jun 6 2019: $528,014
Jul 10 2019: $569,181
Aug 5 2019: $547,229
Sep 5 2019: $569,689 
Oct 5 2019: $579,502 
Nov 5 2019: $602,772   
Dec 5 2019: $607,806
Jan 5 2020: $634,119 
Feb 5 2020: $642,031
Mar 5 2020: $619,455
Apr 5 2020: $525,283
May 5 2020: $587,254 
June 5 2020: $654,920
July 5 2020: $650,510
Aug 5 2020: $685,038
Sept 5 2020: $704,156
Oct 5 2020: $706,274
Nov 5 2020: $733,378
Dec 5 2020: $812,902
Jan 5 2021: $829,260
Feb 5 2021: $865,479
Mar 5 2021: $862,635
Apr 5 2021: $902,462
Jun 6 2021: $954,561
Jul 5 2021: $958,034
Aug 5 2021: $968,721
Sept 5 2021: $1,002,515   
Oct 6 2021: $971,883
Nov 5 2021: $1,017,020
Dec 5 2021: TNW $977, 498 / Investments $644,114  <-- Bought house
Jan 5 2022: TNW  $974,113 / Investments $680,246
Feb 5 2022: TNW $989,468 / Investments $668,804
Mar 5 2022: TNW $976,348 / Investments $651,576
Apr 5 2022: TNW $1,030,421 / Investments $680,695
May 5 2022: TNW $1,028,363 / Investments $641,593
July 5 2022: TNW $1,039,389 / Investments $601,245
Aug 5 2022: TNW $1,122,143 / Investments $637,929
Sept 5 2022: TNW $1,122,124 /  Investments $613,238
Oct 5 2022: TNW $1,095,655 / Investments $596,262
Nov 5 2022: TNW $1,108,755 / Investments $608,571
Dec 5 2022: TNW $1,208,503  /  Investments $657,325
Jan 5 2023:  TNW $1,194,656  /  Investments $644,832
Feb 5 2023:  TNW $1,236,363  /  Investments $695,406
Mar 5 2023:  TNW $1,227,644  /  Investments $694,838
Apr 5 2023: TNW $1,142,895  /  Investments $694,706
May 5 2023: TNW $1,069,445  /  Investments $705,448
Jun 5 2023:  TNW $1, 106,083  /  Investments $719,253 
Jul 5 2023:  TNW $1,152,477  /  Investments $741,551
Aug 5 2023:  TNW $1,165,448  /  Investments $757,157   
Sept 5 2023:  TNW $1,159,005  /  Investments $748,000
Oct 5 2023:  TNW $1,171,796  /  Investments $715,779
Nov 5 2023:  TNW $1,144,681  /  Investments $726,801
Dec 5 2023:  TNW $1,248,768  /  Investments $781,275

Jan 5 2024:  TNW $1,264,922  /  Investments $815,800 ($34,525)

[mountain_air]

Happy New Year yall!  Let's crush 2024

5/1/18    135,266
6/1/18    146,521
7/1/18    150,573
8/1/18    155,306
9/1/18    169,777
10/1/18  178,901
11/1/18  179,225
12/1/18  185,066
1/1/19    184,310
2/1/19    196,092
3/1/19    202,431
4/1/19    228,194
5/1/19    242,596
6/1/19    241,727
7/1/19    258,652
8/1/19 -  174,529 (bought a house)
9/1/19 - 192,565
10/1/19 - 259,358
11/1/19 - 273,244
12/1/19 - 302,448
1/1/20 - 301,682
2/1/20 - 304,295
3/1/20 - 306,773
4/1/20 - 285,603
5/1/20 - 312,209
6/1/20 - 335,833
7/1/20 - 347,776
8/1/20 - 362,340
9/1/20 - 368,846
10/1/20 - 370,190
11/1/20 - 386,231
9/1/21 - 504,976
11/1/21 - 511,106
12/1/21 - 509,903
1/1/21 - 509,888
9/1/23 - 622,897
10/1/23 - 632,463
11/1/23 - 640,088
12/1/23 - 660,761
1/1/23 - 675,394

[Lamancha]

1/19- 29,000
1/20- 130,822
1/21- 258,257
1/22- 452,162

1/23- 534,404
2/23- 580,499
3/23- 583,080
4/23- 577,306
5/23- 577,294
6/23- 601,567
7/23- 631,808
8/23- 638,961
9/23- 664,899
10/23- 645,294
11/23- 662,941

12/23- 700,882

1/24- 727,081

[oneday]

Hoping to crack into the $700,000's next year.

Investments only

	2021	2022	2023	2024	2025
January	$326K	$491K	$516K	-	-
February	$345K	$487K	$508K	-	-
March	$362K	$509K	$527K	-	-
April	$383K	$474K	$542K	-	-
May	$385K	$481K	$546K	-	-
June	$393K	$447K	$586K	-	-
July	$451K	$488K	$625K	-	-
August	$467K	$476K	$617K	-	-
September	$447K	$438K	$592K	-	-
October	$480K	$475K	$583K	-	-
November	$494K	$505K	$625K	-	-
December	$515K	$480K	$657K	-	-

https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=1302523503

[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%
12/31/2022	$363.496.09	$127.446.75	$490.942.84	~1.06%
03/31/2023	$371,517.99	$138,533.53	$510,051.52	~-0.07%
05/31/2023	$381,348.16	$146,872.11	$528,220.27	~-0.07%
08/31/2023	$414,746.65	$162,514.69	$577,261.34	~-0.07%

EOY24 Goal: 680-700k

Numbers based on a majority of accounts I am tracking.  Does not include some small accounts or business accounts.  I am going to play around since my source of truth is no longer mint...  So this will change as I work out how I want to report.

12/31/2023 Fire:$444,535.07 + Medi:$190,824.46 = $635,359.53   ~2.69%

A place I never thought I'd see, given how outrageous some of my expenses seem to have been....  (Roofs are not cheap...)  Anyway, my goal met and surpassed so. Happy Happy, Joy Joy!  This year I'll aim for 700k and see what happens.  If I get there great, if not, I should be close. 
Also, since mint shutdown my source of truth for my number is in flux.  Yes I know it shouldn't be but, it is.  It's not that my numbers aren't close to what mint reports, it's that what mint reports, usually was off by little bit.  Not a big deal but it means I need to do some work to figure out what I should make my new Source of Truth, and go from there.
Here is to a prosperous New Year for all!

[lexde]

Net Worth by End-of-Year:
2016 (start): ($27,015.16)
2017: $2,474.33
2018: $33,203.90
2019: $68,192.96
2020: $130,715.91
2021: $296,922.14
2022: $400,055.05
Current: $519,129.00

Goals Breakdown
Q4 2023: $540K
Q1 2024: $580K
Q2 2024: $620K
Q3 2024: $660K
Q4 2024: $700K
Q1 2025: $740K
Q2 2025: $780K
Q3 2025: $820K
Q4 2025: $860K
Q1 2026: $900K
Q2 2026: $940K
Q3 2026: $980K
Q4 2026: $1M

November 18, 2023: $580,473.22 as of this morning. Small market upswing plus a fairly large payment from my business deal earlier this year means I hit both my Q4 2023 and Q1 2024 goals well in advance on paper. Some of this will be taken out for taxes, but it’s been a crazy month for progress toward my goals.

December 1, 2023: $603,891.35 as of today's paycheck. Approximately $27K of this is earmarked for taxes, so I'm sitting at around $576K "true" net worth. I've reached out to my CPA to see if I can to do anything before year end to reduce that bill.

January 18, 2024: $601,752.29 as of today. This is the adjusted "true" net worth after taking out the tax account I have earmarked (currently sitting just under $45k). So I'm well on my way to my Q2 goal of $620K early, but I also have a lot of work that needs to be done around the house. I just paid for a bathroom remodel, and have a lot of other work that needs to be done (water penetration issues and remediation). Overall doing well and feeling good about the progress I'm making.

[JLee]

Some years ago, I set a (seemingly difficult) NW goal of $600k for when I reached 40yo.  My (seemingly outright impossible) stretch goal was $1 million.

I turned 40 yesterday and ran the numbers today.  I generally only update my house value annually but made an exception for this. Using an average of Realtor.com, Redfin, and Zillow, it put me at $957k.  Using Redfin alone (the highest one), I would be at $1,009,342!

Anyway, it's not going to make it into my regularly scheduled monthly updates but I wanted to share with someone :)

[solon]

[tacticalteam4]

Cash and retirement accounts only

	2021	2022	2023	2024
January	$214,801	$368,240	$506,006	—
February	-	$415,650	$556,654	$840,669
March	$247,632	-	--	—
April	$267,671	$432,042	--	—
May	−	$418,269	$550,282	—
June	$293,749	$420,576	$608,355	—
July	−	$433,032	--	—
August	−	$477,541	$659,953	—
September	$311,131	$461,148	--	—
October	-	$478,809	$661,972	—
November	$339,986	$501,052	$681,707	—
December	$345,952	$521,479	$721,964	—

Good month. Officially increased NW by 1 milllion since finishing grad school summer of 2019

[Turtle]

Good month. Officially increased NW by 1 milllion since finishing grad school summer of 2019

Congrats!  That's great progress!

[footwear]

Going to finish a month above $500k for the first time! Feels great! Not counting home equity and 529s for the kids, just retirement accounts and cash. See you guys/gals at $1mil and then no more workey.

[nkt0]

Basically at my initial goal for lean FIRE. It’s one more year from here on out.

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
Q1 2023: $546k/$745k
Q2 2023: 🤷🏻‍♂️
Q3 2023: 🤷🏻‍♂️
Q4 2023: $659k/$920k

[footwear]

Congrats @nkt0 - what are you including in NW? Home equity?

[LateStarter1]

Well, happy to say I can join the $500k club!!!

We have been hammering on saving these last couple years. I also got a huge bump in pay at a new job which helped our savings rate a ton. Cannot wait to see that $1M #.

These are all investment #'s only.

09/05/2021   $260,000
10/05/2021   $256,000
11/05/2021   $279,000
12/5/2021   $278,209
1/5/2022   $296,389
2/5/2022   $283,144
3/5/2022     $293,044
4/10/2022   $312,522
5/4/2022      $296,569
6/2/2022      $301,909
9/12/2022    $315,132
12/6/2022    $326,746
02/09/2023   $350,463
03/06/2023   $348,762
4/3/2023      $357,282
5/16/2023   $367,044
6/5/2023     $385,281
7/10/2023   $403,369
8/10/2023   $414,213
9/13/2023   $419,768
10/4/2023   $403,272
11/4/2023   $423,688
12/4/2023   $452,943
1/4/2024     $470,621
1/30/2024   $504,460

[lampstache]

Well, happy to say I can join the $500k club!!!

We have been hammering on saving these last couple years. I also got a huge bump in pay at a new job which helped our savings rate a ton. Cannot wait to see that $1M #.

These are all investment #'s only.

09/05/2021   $260,000
10/05/2021   $256,000
11/05/2021   $279,000
12/5/2021   $278,209
1/5/2022   $296,389
2/5/2022   $283,144
3/5/2022     $293,044
4/10/2022   $312,522
5/4/2022      $296,569
6/2/2022      $301,909
9/12/2022    $315,132
12/6/2022    $326,746
02/09/2023   $350,463
03/06/2023   $348,762
4/3/2023      $357,282
5/16/2023   $367,044
6/5/2023     $385,281
7/10/2023   $403,369
8/10/2023   $414,213
9/13/2023   $419,768
10/4/2023   $403,272
11/4/2023   $423,688
12/4/2023   $452,943
1/4/2024     $470,621
1/30/2024   $504,460

Well done! Keep up the great work @LateStarter1.

[falsekrakk808]

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
January	???	134,982	152,827	166,462	242,541	354,718	433,211	478,011	619,370	$750k Goal
February	???	139,867	155,407	177,792	257,924	382,044	453,226	486,395	-	-
March	111,557	141,453	152,342	193,722	227,560	382,355	467,849	504,628	-	-
April	125,553	???	155,305	210,318	256,005	411,837	470,161	524,209	-	-
May	132,778	137,778	160,431	205,538	278,157	418,700	468,507	516,858	-	-
June	???	125,010	162,239	199,039	282,777	442,429	460,137	549,320	-	-
July	???	129,077	170,289	198,372	304,381	440,202	475,590	579,766	-	-
August	???	130,256	175,906	206,279	312,578	455,378	483,706	584,181	-	-
September	???	136,658	178,198	212,786	295,744	448,555	449,474	584,162	-	-
October	121,823	137,913	164,888	220,513	286,661	474,585	470,090	560,381	-	-
November	126,048	143,556	165,777	233,155	331,046	477,744	481,824	607,383	-	-
December	131,174	146,827	154,154	239,998	361,661	481,002	461,547	635,230	-	-

Little bump in the road.

[JLee]

Code: [Select]

Year 2018 2019 2020 2021 2022 2023 2024

Jan $260,262.67 $260,498.17 $355,540.40 $508,468.68 $672,003.95     $640,193.26 $904,111.46
Feb $270,247.21 $282,677.81 $363,857.03 $509,567.53 $639,611.05     $671,819.16 $926,220.52
Mar $274,832.08 $303,458.44 $338,355.26 $520,884.63 $634,640.78     $662,686.54
Apr $270,627.23 $303,218.72 $293,271.53 $541,068.08 $659,611.56     $682,101.41
May $278,368.36 $317,168.51 $347,245.32 $587,538.85 $626,633.66     $773,878.01
Jun $274,359.32 $305,266.44 $364,417.41 $593,402.81 $633,264.00     $782,511.38
Jul $274,608.95 $304,929.19 $371,252.51 $606,481.86 $603,185.63     $831,335.87
Aug $280,692.80 $305,590.57 $393,995.98 $614,890.13 $637,566.93     $848,549.63
Sep $294,559.30 $306,102.25 $449,017.88 $623,073.11 $639,963.91     $845,678.87
Oct $294,744.86 $305,808.36 $448,674.02 $618,758.32 $592,457.62     $822,805.13
Nov $268,666.52 $322,371.05 $447,910.61 $654,187.24 $631,130.76     $811,326.01
Dec $280,335.80 $352,576.02 $480,614.30 $633,311.29 $652,812.65     $859,161.72


[grantmeaname]

Sideways this month.

Year

Jan

Feb

Mar

|

Apr

May

Jun

|

Jul

Aug

Sep

|

Oct

Nov

Dec

2015

-$10k

-$10k

-$10k

|

-$10k

-$10k

-$10k

|

-$10k

-$10k

-$10k

|

-$9k

-$6k

-$5k

2016

-$3k

-$2k

-$0k

|

$1k

$3k

$4k

|

$6k

$7k

$9k

|

$9k

$11k

$13k

2017

$15k

$16k

$18k

|

$20k

$22k

$24k

|

$26k

$27k

$30k

|

$32k

$35k

$36k

2018

$45k

$44k

$53k

|

$56k

$55k

$52k

|

$63k

$62k

$65k

|

$75k

$72k

$73k

2019

$80k

$100k

$104k

|

$108k

$119k

$126k

|

$127k

$130k

$133k

|

$141k

$153k

$163k

2020

$167k

$162k

$156k

|

$187k

$196k

$208k

|

$228k

$242k

$246k

|

$252k

$287k

$303k

2021

$316k

$365k

$377k

|

$403k

$414k

$428k

|

$444k

$460k

$461k

|

$485k

$485k

$516k

2022

$489k

$567k

$586k

|

$540k

$551k

$518k

|

$566k

$564k

$535k

|

$566k

$600k

$587k

2023

$612k

$640k

$660k

|

$679k

$712k

$748k

|

$793k

$795k

$791k

|

$783k

$817k

$873k

2024

$873k

-

-

|

-

-

-

|

-

-

-

|

-

-

-

[joe189man]

07/14/2018 - $179,957 (when we joined personal capital, Investments Only)
09/01/2018 - $188,534
01/01/2019 - $183,112
03/01/2019 - $214,755
07/01/2019 - $244,273
09/01/2019 - $251,684 - We did it!
01/01/2020 - $292,285
02/01/2020 - $295,390
02/20/2020 - $310,386
03/22/2020 - $217,801
05/01/2020 - $268,377
07/01/2020 - $301,867
10/01/2020 - $338,909
01/01/2021 - $396,844 (Only 401ks and HSA's)
02/01/2021 - $424,746 (Investments and Emergency Fund ~$20K)
03/01/2021 - $442,769 / $591,662 (Investments and Emergency Fund / Personal Capital Networth)
04/01/2021 - $461,404.23 / $609,137
05/01/2021 - $481,520 / $629,395
06/01/2021 - $491,935 / ~$650k
06/26/2021 - $504,398 / ~$657k - We did it! (or the Market did :)...)
07/02/2021 - $505,955 / ~$660K
08/03/2021 - $520,856 / $~679K
09/01/2021 - $540,398 / ~$757k (home value changed in Personal Capital increased total net worth)
10/01/2021 - $534,405 / ~$769k (We paid off the last student loan, now only have a mortgage)
11/01/2021 - $559,896 / ~$797k
12/01/2021 - $558,710 / ~$817K (Zillow thinks my house is worth a lot more than a few months ago)
12/31/2021 - $590,743 / ~$857K
02/01/2022 - $560,789 / ~$832K (including ~$1,750 in Cryptocurrency)
03/01/2022 - $551,465 / ~$863k (including ~$2,822 in Cryptocurrency) (house went up ~$36k in value according to Zillow)
04/01/2022 - $577,980 / ~$943k (including ~$4,041 in Cryptocurrency) (House went up again)
05/02/2022 - $533,454 / ~$905k (inc. ~$3517 in Crypto) (house went up again)
05/31/2022 - $538,475 / ~$899K (inc. ~$2647 in Crypto) (house went Down)
06/30/2022 - $491,145 / ~$836K (inc. ~$1,700 in crypto) (house value when down)
08/01/2022 - $534,790 /  ~$860k (incl. ~$2,490 in Crypto, House value went down)
09/02/2022 - $515,422 / ~$822K (incl. ~$2,375 in crypto, house is about same)
10/03/2022 - $476,437 / ~$767K (Incl. ~$2,180 in crypto, house value is down)
11/01/2022 - $513,433 / ~$803k (Incl. ~$2,260 in crypto)
12/01/2022 - $571,340 / ~$865k (incl. ~$2,190 in crypto)
01/05/2023 - $558,368 / ~$831k (incl. ~$2,278 in crypto) - i did a thing and our overall NW will go down next month
02/01/2023 - $599,198 / ~$835k (incl. ~$2,860 in crypto) - so close to $600k and a new all time high!
02/15/2023 - $606,500 (incl. ~$2,900 in crypto)`
03/01/2023 - $592,146 / $827k (including ~$2,940 in crypto) Zillow says house went up in value $6k which seems weird
04/02/2023 - $606,020 / $860k (including ~$3,675 in crypto) House went up ~$17k
05/02/2023 - $608,656 / $883 (including ~$3917 in crypto, house went up ~$8k per Zillow)
House Sale and House Purchase impacting numbers
****08/01/2023 - ~$711,600-~$32k = ~$680,000 (including ~$4,400 in crypto) - The new house and mortgage is not included in these numbers - REVISION - missed a balance transfer that wasn't accounted for in the new accounts
09/04/2023 - $679,448 / $803k (including ~$4,836 in crypto) - This is an accurate picture of where we ended up after our move - lost some home equity and gained some investment cash
10/03/2023 - $695,857 / $769k (including $5,117 in crypto)
11/02/2023 - $688,879 / $775k (including $6,590 in crypto)
12/01/2023 - $746,827 / $819K (including $8,156 in crypto)
01/01/2024 - $815,701 / $894k (including $10,393 in crypto) - I made a typo last month these numbers should be $824,701 / $903k - missed a zero
01/31/2024 - $849,920 / $933k (including $10,006 in crypto)

Race to Millionaire spreadsheet
https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=0

[tj]

I crossed $700k for the first (and most likely not last) time:

2010: $53,697
2011: $108,897
2012: $117,680
2013: $103,454
2014: $90,255
2015: $247,500
2016: $290,327
2017: $285,125
2018: $265,292
2019: $301,045
2020: $392,359
2021: $550,905
2022: $506,095
2023: $713,647

Despite a bad day on my investments, NW seemed to go in the right direction. I'm at $736k for end of January 2024.

[hudsoncat]

	2018	2019	2020	2021	2022	2023	2024
January	$222,019	$261,809	$403,264	$550,326	$775,790	$707,881	$988,431
February	$236,831	$286,584	$414,417	$555,120	$740,206	$754,468	$1,005,722
March	$234,104	$303,681	$388,201	$577,440	$732,898	$751,869	-
April	$234,452	$314,939	$355,475	$606,455	$774,258	$781,814	-
May	$241,470	$331,080	$398,672	$647,810	$714,112	$812,967	-
June	$249,398	$320,926	$417,280	$654,138	$719,842	$822,222	-
July	$253,884	$342,700	$424,818	$671,808	$668,503	$875,635	-
August	$264,666	$354,784	$456,512	$693,782	$732,736	$907,972	-
September	$276,905	$351,842	$491,411	$718,331	$709,518	$898,165	-
October	$285,986	$360,853	$482,214	$700,515	$662,362	$865,823	-
November	$267,359	$374,706	$475,471	$744,130	$698,468	$847,225	-
December	$281,461	$391,293	$531,137	$754,319	$745,704	$930,012	-

Investments only as always. Hopefully we'll stay solidly over the finish line! At least this one. Hope everyone else was able to take advantage of a good few months in the market to hit some new highs too!

[joe189man]

	2018	2019	2020	2021	2022	2023	2024
January	$222,019	$261,809	$403,264	$550,326	$775,790	$707,881	$988,431
February	$236,831	$286,584	$414,417	$555,120	$740,206	$754,468	$1,005,722
March	$234,104	$303,681	$388,201	$577,440	$732,898	$751,869	-
April	$234,452	$314,939	$355,475	$606,455	$774,258	$781,814	-
May	$241,470	$331,080	$398,672	$647,810	$714,112	$812,967	-
June	$249,398	$320,926	$417,280	$654,138	$719,842	$822,222	-
July	$253,884	$342,700	$424,818	$671,808	$668,503	$875,635	-
August	$264,666	$354,784	$456,512	$693,782	$732,736	$907,972	-
September	$276,905	$351,842	$491,411	$718,331	$709,518	$898,165	-
October	$285,986	$360,853	$482,214	$700,515	$662,362	$865,823	-
November	$267,359	$374,706	$475,471	$744,130	$698,468	$847,225	-
December	$281,461	$391,293	$531,137	$754,319	$745,704	$930,012	-

Investments only as always. Hopefully we'll stay solidly over the finish line! At least this one. Hope everyone else was able to take advantage of a good few months in the market to hit some new highs too!

Nice Work! @hudsoncat

[LightStache]

	2021	2022	2023	2024
January	$517,231	$587,701	$684,648	$700,831
February	$523,109	$602,997	$718,097	$724,428
March	$528,981	$601,258	$681,798
April	$534,853	$642,611	$665,681
May	$540,725	$624,923	$675,664
June	$533,040	$641,064	$665,389
July	$542,290	$621,053	$687,534
August	$541,486	$661,845	$690,801
September	$540,080	$654,924	$684,056
October	$551,000	$632,154	$647,913
November	$566,816	$677,840	$622,387
December	$582,631	$712,049	$667,567

Two great things happened in January. I got an unexpected $37K payment and I got a new job that will start this Monday. I had taken a sabbatical for the first nine months of 2023 and tried to find work in the Fall, but didn't have any luck. Thankfully I didn't have take a fallback position and a good opportunity finally came my way. It's a great lesson though that even with some FU money, it's not always going to be easy to find decent work.

[PlanetDee]

Investments Only:
12/1/23 - $513k
1/1/24 - $546k
2/1/24 - $558k

The cold weather last month led to a roof crack which will lead to a roof replacement this year. Working on getting some bids, but that will certainly set us back a bit this year. Very grateful to have a stockpile in a high yield savings account to just pay for it upfront and move on.

[patchyfacialhair]

My wife is throwing out there that maybe I should quit and be a stay at home dad. Not sure how I feel about it. Bottom line I want to do what's best for the family, so we'll see how things shake out as we get closer to kid #3's birth and whatnot. Bonuses hitting the next couple months, so we should see some big gains between now and April unless something crazy happens.

1/1/2022    $670,797.36       1/1/2023    $658,311.91       1/1/2024    $826,460.87
2/1/2022    $638,795.36       2/1/2023    $685,332.23       2/1/2024    $851,535.23
3/1/2022    $682,890.47       3/1/2023    $708,360.43       3/1/2024    $-   
4/1/2022    $758,656.79       4/1/2023    $731,445.96       4/1/2024    $-   
5/1/2022    $749,682.30       5/1/2023    $769,633.73       5/1/2024    $-   
6/1/2022    $741,360.11       6/1/2023    $777,415.92       6/1/2024    $-   
7/1/2022    $694,491.49       7/1/2023    $799,801.60       7/1/2024    $-   
8/1/2022    $715,087.10       8/1/2023    $815,425.65       8/1/2024    $-   
9/1/2022    $729,157.17       9/1/2023    $799,270.11       9/1/2024    $-   
10/1/2022    $663,613.37       10/1/2023    $761,340.69       10/1/2024    $-   
11/1/2022    $684,833.10       11/1/2023    $746,740.63       11/1/2024    $-   
12/1/2022    $692,551.19       12/1/2023    $799,345.86       12/1/2024    $-   

[SeattleStache]

The first number is retirement related investments and the second includes cash savings, real estate, and other investments. I'm focused on retirement savings only 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)
December 2022: $459,000 (total NW $627,689)
December 2023: $614,548 (total NW $795,006)
January 2024: $624,946 (total NW $803,234)

[SpareChange]

EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015
2019     381,913...downshifted to halftime in the fall.
2020     495,309
2021     591,399
2022     585,889...started including the value of my PTO bank
2023     738,911

January update: $741,218. Up $2,307.

[tarheeldan]

Well, happy to say I can join the $500k club!!!
...
1/30/2024   $504,460

Welcome!!

[tarheeldan]

$1,005,722

Congratulations, millionaire!! :)

[Lamancha]

1/19- 29,000
1/20- 130,822
1/21- 258,257
1/22- 452,162
1/23- 534,404

1/24- 727,081
2/24- 751,698

[dignam]

	2020	2021	2022	2023	2024
Jan		$308k	$462k	$435k	$591k
Feb	$253k	$319k	$441k	$462k	$600k
Mar	$221k	$332k	$440k	$463k
Apr	$239k	$349k	$455k	$487k
May	$244k	$355k	$425k	$505k
Jun	$265k	$368k	$449k	$520k
Jul	$269k	$378k	$426k	$538k
Aug	$281k		$449k	$559k
Sep	$294k	$394k	$438k	$551k
Oct	$290k	$399k	$412k	$540k
Nov	$301k	$436k	$421k	$532k
Dec	$308k	$454k	$449k	$565k

[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
March 2023: 481,446.68
June 2023: 542,032.77
July 2023: 592,204.7‬0
September 2023: 600,406.7
December 2023: 633,807.18

February 2024: 688,469

[tjrssibelle]

Investments only;

Dec 2016: $129.04k
Dec 2017: $196.66k
Dec 2018: $227.08k
Dec 2019: $339.51k
Dec 2020: $448.30k
Dec 2021: $579.50k

Jan 2022: $555.08k
Feb 2022: $547.93k
Mar 2022: $568.83k
Apr 2022: $526.18k
May 2022: $533.30k
Jun 2022: $500.42k
Jul 2022 : $533.30k
Aug 2022: $517.60k
Dec 2022: $521.43k

Jan 2023: $562.03k
Feb 2023: $549.90k
May 2023: $571.35k
Jun 2023: $601.64k
Jul 2023: $622.09k
Aug 2023: $607.46k
Sep 2023: $580.53k
Oct 2023: $568.72k
Nov 2023: $622.08k
Dec 2023: $659.79k
Jan 2024: $663.00k

Sent from my SM-S908U using Tapatalk

[lampstache]

Investments only

	2017	2018	2019	2020	2021	2022	2023	2024
January	$34,633	$56,928	$98,248	$176,153	$419,499	$643,917	$586,257	$808,772
February	$40,740	$56,241	$115,926	$182,362	$433,878	$631,440	$641,711	$828,542
March	???	$57,195	$123,445	$171,868	$481,671	$612,570	$643,961	-
April	$41,346	$57,635	$129,678	$188,425	$503,015	$628,685	$673,394	-
May	$41,840	$66,682	$136,527	$255,004	$536,515	$583,864	$671,053	-
June	$45,227	$71,500	$132,945	$279,130	$570,802	$566,514	$689,810	-
July	$45,862	$75,817	$142,557	$290,173	$570,802	$546,704	$727,315	-
August	$47,377	$85,050	$150,420	$310,173	$568,446	$587,836	$753,046	-
September	$47,669	$87,937	$146,310	$336,875	$596,208	$556,816	$752,227	-
October	$50,397	$94,114	$150,536	$338,532	$590,085	$526,251	$733,159	-
November	$52,288	$95,502	$155,627	$332,899	$625,776	$568,125	$720,868	-
December	???	$93,596	$165,458	$396,311	$611,435	$602,563	$773,792	-

Hoping to get to $900k this year.

[TwoCommas]

Investments Only:
2020/07 - $400k
2021/01 - $500k
2021/04 - $550k
2021/07 - $600k
2023/06 - $700k
2023/07 - $750k
2023/12: $800k
2024/02: $850k

Adding another $50k threshold.

[oneday]

Investments only

	2021	2022	2023	2024	2025
January	$326K	$491K	$516K	$682K	-
February	$345K	$487K	$508K	-	-
March	$362K	$509K	$527K	-	-
April	$383K	$474K	$542K	-	-
May	$385K	$481K	$546K	-	-
June	$393K	$447K	$586K	-	-
July	$451K	$488K	$625K	-	-
August	$467K	$476K	$617K	-	-
September	$447K	$438K	$592K	-	-
October	$480K	$475K	$583K	-	-
November	$494K	$505K	$625K	-	-
December	$515K	$480K	$657K	-	-

https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=1302523503



January 2024 comment: Hoping to crack into the $700,000's next year.