Net worth increase 2022 (i.e. the 'present' you give yourself)

[Lordy]

Running the YTD numbers, it seems that 2018 has been a slightly sub-par year for me.

NW is up 49K (EUR) to 433. It rose significantly more last year (2017) but due to special events.
In 2016 it rose 53K and in 2015 it rose 45K, so 2018 was neither great nor bad.

[Travis]

2017   $2523k

2018   $2524k


About a $1,300 gain in NW for the year, but that includes a $37k windfall we can't take any credit for.   It also includes about $16k in renovation costs on rental #4.   We'll get about a $35k bump up in NW by the end of Jan 2019 when rental #4 is ready to rent.   

We fired in May 2018.

Income wise for 2019, we'll have to draw down up to $10k from our savings for our budgeted living expenses, or less than 1%.    By end of 2020 we should have that gap closed so that we don't have to draw down our savings for a regular year with regular expenses.

What feeds your day to day expenses?

[obstinate]

2018:

• Cashflow after taxes and all expenses: +$300k
• Net worth: -$50k

¯\_(ツ)_/¯

Depending how you look at it, we are somewhat further from FIRE than we were. We moved into a much more comfortable apartment and had significant medical expenses. So the amount we have to clear has increased (assuming we would change nothing upon retirement, which is not the case). If the stock market were happy, then we'd probably have gotten "closer" to FIRE, although the recent fluctuations make me think that maybe that would simply be an illusion.

I must admit, I have enough things on my mind right now that a "loss" of $50k is hard to get wound up over. Maybe tomorrow I'll be up $50k. Or maybe I'll be down $300k, how I was earlier last week. As long as I can keep my family healthy and safe, and I keep hitting up a 50% savings rate, the FIRE situation will handle itself eventually.

[Nate R]

End of 2013: 27K
End of 2014: 41K
End of 2015: 78K
End of 2016: 120K
End of 2017: 199K
End of 2018: 241K

Increase of 42K or 21%.
Was above 250k at one point, but the market and a few other things squashed that. :-P

Changes this year: Paid off a personal loan that's been around for years, refi'd, added to, etc in the past. Used an unexpectedly huge tax return to get a head start on that. Paid off debt from selling our previous house at the end of last year (Which was underwater.)
Continued working on a degree that work is paying for much of.
Wife took a lower paying job, losing $7K in unvested company match she had, and about $8k/yr lower salary. But her stress level is MUCH MUCH better.
Saved a good chunk towards some home repairs and a 2020 off grid cabin build.
Still managed to increase out retirement savings by a few k, despite the market working against us.

2019: Hoping for a decent promotion. OTOH, we've decided to likely take out a HELOC to get a bunch of deferred maintenance done on the house now. All stuff we'd do anyway, just sooner. I'll continue saving for a cabin build as well, and a large international trip at the end of next year.

[SwordGuy]

2017   $2523k

2018   $2524k


About a $1,300 gain in NW for the year, but that includes a $37k windfall we can't take any credit for.   It also includes about $16k in renovation costs on rental #4.   We'll get about a $35k bump up in NW by the end of Jan 2019 when rental #4 is ready to rent.   

We fired in May 2018.

Income wise for 2019, we'll have to draw down up to $10k from our savings for our budgeted living expenses, or less than 1%.    By end of 2020 we should have that gap closed so that we don't have to draw down our savings for a regular year with regular expenses.

What feeds your day to day expenses?

@Travis ,

Wife's social security and mentally handicapped daughter's disability,  farmland rental income, rental home income, and mortgage interest payments on our first flip sale cover the bulk of our expenses.   The <1% draw on our stock and bond portfolio covers the gap.

If we get to 5 or 6 rental properties (from 4), we'll close the gap.   Or when I go on SS at some point.

[marty998]

My turn:

2012 - $295k
2013 - $419k
2014 - $534k

2015 - $713k
2016 - $898k

Out of this, only $210k would be considered net investments (taking out house equity and super). So therein lies the "problem" I have... not enough liquid, cash flow generating investments.

Something to solve in 2017.

2017 - $1,084k
2018 - ~$1,176k

It's been my smallest increase since I started keeping records, basically the problem was twofold - a falling realestate market and a falling stockmarket. And this year was also further boosted by a gift from mum and dad too, so in actual fact the "real" personal gain was much smaller.

Nonetheless, my income producing FIRE net assets have now increased to $425k. If I sold up the investment property and invested in shares I'd have enough dividends to cover my bare bones annual expenses.

That's a good achievement at 32. I am thankful for that.

Happy New Year everyone :)

[happy]

Good onya Marty!
Why aren't you at a party either?

[marty998]

Good onya Marty!
Why aren't you at a party either?

I'm about *this* close to falling asleep lol.

Just caught up on your journal @happy  - well done on the weight loss. And yes it is hot here! Did you enjoy the storm this evening? I basically stood outside and was happy to drench myself in it!

[happy]

Yes indeed, it was welcome. I've been working on my parents house all day today and came home completely exhausted without a NYE plan (except for "get pissed at home"). The house is now empty for the painters on 2/1. DD is hosting a NYE party for her friends.  The house is full of my parents furniture and mattresses for the fall out of the party.

[salt cured]

Saved $124k while net worth increased $98k *shrug*

[winkleweizen]

760>930

[chasingthegoodlife]

Solo stash increase - $21,978
Mortgage payoff - $13,428
Total increase - $35,406

Given the recent market falls I'm happy with that.

Savings rate currently sitting at around 51% of after tax pay. (Plus employer super contributions).

2019 is the year we combine finances, add a baby and downshift, so next year's update will be very different.

[happy]

Its difficult to estimate my net worth since the value of my PPOR is difficult to estimate and the housing market has cooled in the last 3 months. Best case scenario I'm line ball. Worse case scenario I'm down 150k.

I'm not bothered by this as I am midway through subdivision and renovation - probably at the lowest point of outgoings or close to it right now. Once the subdivision is achieved through the value will go up substantially.

[pancakes]

Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k
Dec 2018 $320k

+ $37k

Not too shabby given our goal for me being on maternity leave (which turned into unemployment) was not to eat into our savings. We are also still holding butt loads of cash because we still haven’t used it to purchased a house to live in.

[pancakes]

Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k
Dec 2018 $320k

+ $37k

Not too shabby given our goal for me being on maternity leave (which turned into unemployment) was not to eat into our savings. We are also still holding butt loads of cash because we still haven’t used it to purchased a house to live in.

[Etlav5]

NW 2015: - 46 k
NW 2016: - 18 k
NW 2017: 3 k (!)
NW 2018: 23 k

Saving rate around 40%

[anotherAlias]

Despite the market working against me and some $$ medical expenses this year, I still had a positive trend.

This is liquid net worth:
2011-   $71,905.11   
2012- $139,042.72   
2013- $217,250.05   
2014- $284,626.51   
2015- $332,514.20   
2016- $431,718.92   
2017- $586,059.24   
2018- $591,792.31

[Goldy]

Dec 2013 - $699,658
Dec 2014 - $859,626
Dec 2015 - $958,149
Dec 2016 - $1,229,319 
Dec 2017 - $1,617,661

Dec 2018 - $1,642,265  Increase of $24k

Losing over 200k from October to Jan 1 sucked but nothing wrong with a positive year.

[DavidAnnArbor]

                12/31/2017    12/31/2018    %Change
Invested      1,514,360    1,486,906         - 1.8%
Cash                 63,899        48,363
Subtotal       1,578,259    1,535,169         - 2.7%

Home Equity    386,639       408,217

Grand Total   1,964,898    1,943,386         - 1.1%


This was my last big year of adding to my investments, I'm now officially semi-retired.

[Half Stached]

We scraped out a small gain on the year; our investments were down 5.6% and our estimated home value dropped by more than that.

2018 EOY: 1517K
2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

If I exclude our home, the worth of our investments increased by 96K (from 733K to 829K) by investing 140K.

Even though I had hoped this year would be more lucrative, retirement is in 3 months regardless - my last day is March 5!

[YellowCat]

Turns out we had a pretty good year despite the massive money-letting that was the renovations to our new-to-us old house. This is our first home so we went from NW compromised of purely investments and cash to that plus home equity.

Our NW as of December 31, 2015 was $333,176.15 and current NW including home equity is $427,947.20 (+$94,771.05). This is impressive considering we spent just shy of $45k in closing costs and home improvements this year.

2016 NW breakdown
Cash and investments: $370,799.22
Home equity (purchase price - mortgage balance): $46,619.89
Cars (2): $10,528.09
Total: $427,947.20

Good news for 2017
- Annual husehold income has increased from $170,600 to $183,570 (+$12,970) due to my husband's recent promotion plus year-end increases for both of us. This doesn't include any bonus income we may see this year. Woo hoo!
- As of May 2016 my husband and I work in the same location and carpool to work most days. I'm looking forward to greatly reduced car usage and gas consumption now that we only have one home.
- All of the major renovation work in the house is finished, so we can get back to dumping serious cash into investments! We just have some small stuff left now...lawnmower, some paint, garden supplies, etc.
- We have no big spendy plans for 2017. We're talking about keeping our travel local and hosting my in-laws instead of traveling internationally to see them.

2017 NW Goal
Hit $500k NW (cash, investments, home equity) by my husband's 30th birthday in August, with a stretch goal of $550k by this time next year. --> We exceeded this goal massively, thanks to a crazy year in the market!

Well, final numbers are in and it's been a hell of a year! Current NW including home equity is $628,029.19, which represents an increase of +$200,082 (!!) over our Dec 2016 NW of $427,947.20. This is higher than our combined salaries for the year!

Good news for 2018
- Annual household income has increased from $183,570 to approx. $190,640 (+$7,070) due to year-end increases for both of us. This doesn't include any bonus income we may see this year.
- Much of our 2018 travel was paid for already in 2017 (big trip to visit in-laws planned for Feb 2018, personal trip to Iceland for May 2018). Hopefully we can curb our travel spending a bit this year, as it's consistently about 15-20% of what we spend annually. This is ok, as it aligns with our priorities, but it's still a huge pile of money.

2018 Goals
I have no idea where the market is heading, so I'm hesitant to make a NW goal. But I will set a few goals for things which I actually do have some control over....
- Reduce household spending below what we spent in 2017 ($50,347.57) & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year. My husband's car loan is finished in June, so this should free up some cash, and there's always room for additional optimization in other areas as well.
- Personal sub-goal, inspired by Mrs. Frugalwoods: No clothing shopping for me in 2018. I don't have a clothing "problem" per-se, just want to re-program myself and really think hard about all of my purchases and make sure they align with my priorities.

2018 Numbers are in and current NW including home equity is $718,610, which represents an increase of +$90,581 over our Dec 2017 NW of $628,029. I'm fairly certain it's less than we invested in the market this year but I'll take it.

Good news for 2019
- Annual household income has increased from $190,640 to ~$203k (ish) due to year-end increases for both of us. Most of this was a big pay raise for me (9.5%!!) to bring me up to the level of the rest of my team. This doesn't include any bonus income we may see this year.
- Husband's car is now paid off, so now the mortgage is our only debt.
- We spent just about $52.5k in 2018, but $7.5k of that was to install AC and $2.4k was for dental surgery (which failed, but I digress...). So the good news here is that our "normal" spending was only ~$42.6k. That's a new low for us!
- No big house projects or international travel is currently planned for this year. We may still end up traveling but fingers crossed we won't be dropping thousands on home improvements...

2019 Goals
- Control household spending & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year.
- (Somewhat arbitrary) NW goal: $850k by the end of 2019. Cheers!

[Optimiser]

12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128

12/31/2017: -$30,801   2018 could be the year we get back to black

12/31/2018: -$202 So close!

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k

Not too shabby considering our investments are down and Husband was out of work for 6 weeks this year.

[Zaga]

Net worth increased by less than $3K this year.  Combination of saving less due to job changes and the market going down.  I can live with it, we have ramped up the savings again for 2019!

[DreamFIRE]

I don't ever calculate net worth, just my stash which I will be using to drawdown on using the 4% rule, which doesn't include my home's value.  And on that note, despite the pullback in the market, my stash is a little over 100% of what it needs to be to meet my FIRE target, which is a fairly FAT fire for me, which is more than 2 1/2 times my barebones budget.

Edit:  Looks like my net stash growth for 2018 is only about 1 1/2 years of barebones spending - not too good considering I saved $70K from my job alone.

[FIPurpose]

I also had almost no change. +1k overall for the year. However we didn't work for about 5 of those months. So not too bad, probably could have eeked out a 10-20k gain if we were working then, but the market was over valued anyway. 2019 I think will be a good year.

[Sailor Sam]

I want to play!

31 Dec 2010: $85,203
31 Dec 2011: $106,303   (Δ $21,100)
31 Dec 2012: $144,111   (Δ $37,808)
31 Dec 2013: $212,510   (Δ $68,399)
31 Dec 2014: $264,836   (Δ $52,326)
31 Dec 2015: $299,579   (Δ $34,743)
31 Dec 2016: $371,611   (Δ $72,032)
31 Dec 2017: $496,452   (Δ $124,841)

31 Dec 2018: $528,285   (Δ $31,833)

I saved ~$60k, and the rest is market losses.

[Bracken_Joy]

1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

Approximate 2016 end of year numbers! Needless to say.... a big jump this year. +$78,517 in 2016. Combined earnings will probably come out to ~$105k for the year. Combination of market gains, home purchase that worked out nicely (immediately valued higher than we paid), and a generous gift from my grandmother to help pay some student loans.

12/18/2016: $108,317
11/20/15: $29,800
1/1/15: $0
(2014, -$20k, although that's pretty much a total guess)

(2014, -$20k, although that's pretty much a total guess)
1/1/15: $0
11/20/15: $29,800
12/18/2016: $108,317
12/2/2017: $179,061

+$70,744 in 2017. Not *quite* as big a jump as last year, but considering crazy high vet and medical spending (over $11k), and me not working at all for ~4 months of it (and part time most of when I was working), that's pretty damn good! Earnings will probably be right around the same as last year, somewhere around $110k total for the two of us.

ETA: better than I expected, because I realized I dropped car value off my net worth tracking this year. So it may have been a +$90k! I would have to sit down with all the numbers to double check, but I'm pretty sure that's right.

(2014, -$20k, although that's pretty much a total guess)
1/1/15: ~$0
11/20/15: $29,800
12/18/2016: $108,317
12/2/2017: $179,061
1/1/18: $239,972

The jump from when I last did this thread was +$60,911, but from EOY2017 to EOY2018 was $54,064 according to my other tracking. Really not bad considering I had a good $37k of OOP medical expenses this year. We also prepped to sell, then sold, our house.

That being said, our year on year increases in NW are dropping even as our household income rises, so we really need to step up our frugal game again!

[zygote]

This was the first year I started tracking. My net worth is my emergency fund, the cash I keep on hand for basic expenses, and my retirement accounts. I rent, so no mortgage or home value to consider.

12/17: $44k
12/18: $70k

That's an increase of $26k despite a negative rate of return in my investments. I'm pretty pleased with that.

[2Birds1Stone]

358k -> 422k

[MrDelane]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

[McStache]

2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830

2018 - $317,638

Up about 30K from last year, which is well less than I saved, but still positive, so I'll take it.  Plus, I own a lot more shares of index funds than this time last year.

[Imustacheyouaquestion]

Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349.74    (+ $99,648)
Dec 2018: $255, 892.49    (+ $49,542.26)

NW was up to $276k in November before the market correction. Got some good tax loss harvesting out of it, but I didn't meet my goal of $300k by the end of the year. Goal for EOY 2019 is $325k.     

[SwordGuy]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making. 

[I'm a red panda]

We are not up much over the year...
Lost like $150k the last two months :(. So that kind of hurt the yearly goal.

[aspiringnomad]

2014: $425k
2015: $627k
2016: $830k
2017: $1,167k
2018: $1,325k

This year's numbers are skewed up by a one-time compensation vesting in January and down by the market's lackluster performance the rest of the year. I first reached that final number in mid-June, so made no progress on paper since that time despite throwing all savings into investments. Still not a bad year, considering.

[WhiteTrashCash]

Totals do not include house equity.

January 2017: $122,747.70
January 2018: $166,175.31

Net worth increase: $43,427.61

It had been much higher, but we took a massive beating from Trump's trade wars. Hope 2019 is more profitable for us.

[MrDelane]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.

You're right - and thanks for the reminder.
I probably should have added a smiley, I was halfway joking.

[WhiteTrashCash]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.

You're right - and thanks for the reminder.
I probably should have added a smiley, I was halfway joking.

Yeah, folks who started investing this year were in for a world of hurt, but in the long run it always trends upward. Lots and lots of millionaires owe their fortune to the 2008 Great Recession.

[Bird In Hand]

We're down around $5,000 NW* since Jan 1.  That's after contributing ~$50k to to our retirement accounts and reducing our mortgage principal by ~$30k.  So +/- $85k market losses year to date.

It seems I miscalculated above.  We finished down a little more than $44k in 2018 (not including home equity).  Down ~$134k since late September.

[peeps_be_peeping]

My NW increased $43,310 to $411,333 in 2018, or 11.77%. I put $61,621 into investments and $5,603 into my mortgage principal.

[Wintergreen78]

1/1/2017 : $649k
1/1/2018 : $857k
1/1/2019 : $787k

Quit work at the end of January. My expenses for the first year of retirement have been right around what I expected. Even with the market decline, everything is good.

[brooklynmoney]

Haven’t the stomach to look yet. My guess is I saved about 150k and lost about equal or more ha. Cest la vie!

[Chaplin]

It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

Fun to see that I had posted in this thread almost two years ago.  I reported that in 2014 our NW had gone up $151K ($CAD, but still nice). I revised 2014 due to a better real estate valuation, so it looks like this:
2014: $174K increase in NW
2015: $213K increase
2016: estimating a $239K increase

I apologize for linking to this again, but it seems relevant for this thread. I had posted back in 2014 that I wanted to better understand where our changes in NW had actually come from, so I finally worked it out:

<nice chart showing what contributed to our net worth gains each year - real estate appreciation was a big factor>

Not expecting those real estate gains to continue...

It seems like I revisit this thread every two years. I have added 2017 and 2018 as well as gone back in time to add some historical numbers.

2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019(est): aiming for $170K increase

Despite the lower increase in 2018 it was a good year for us. We sold the house that had gained so much and bought a place cost $300K less. Most of that difference was invested a few months before the market dipped - unfortunate, but not something to lose sleep over. Real estate used to account for about 52% of our net worth but moving and investing the difference puts it at 42% which is still high but much better.

[BobTheBuilder]

4.2k Euro increase to almost 0 net worth, which is just shy of my goal for 2018. But hey, stock market.

2019 will bring more income, and reduced interest as the remaining credit is paid down.
Aim for 2019: +14k if my investments don't gain anything.

[Rubyvroom]

* Dec 2014 - 12% of target stash
* Dec 2015 - 15% of target stash
* Dec 2016 - 25% of target stash

We found MMM in summer 2016, so the "stash" concept did not exist for us in 2014 or 2015, hence the lackluster improvement from 2014 to 2015. With just a half year of deliberate savings in 2016, we are now 1/4 of the way to our goal. I'm hoping 2017 will be a big year for us, with a full year of MMM mindset under our belts.

And a big year it was. We managed to pull off a 63% savings rate this year. Huzzah.

* Dec 2017 - 42% of target stash

2018 is a difficult year to calculate because our present to ourselves came in the form of a land purchase, which takes a pot of money out of our stash but not out of our net worth. With the exception of the land purchase, we saved 61% this year, so we're happy with that. As we get closer to FIRE, I may revisit our "target stash" number, but I'm not ready to move the goal posts yet. 

* Dec 2018 - 37% of target stash

[RWD]

Looks like an increase of about $64k last year for us. Moving in the right direction, but 2017 was 2.5x better.

[Dr Kidstache]

1/5/18: $397,293.73
1/5/19: $447,872.21
NW increase of $50,578.48 (12.7%). Invested about twice that amount during the year. Meh.

[seattlecyclone]

Down about 3% despite investing half our pay. So it goes with the market sometimes.

[Zikoris]

We increased by $38,447, which was about a 12% increase. Our income was about 77K for the year and my partner quit his job halfway in to switch to full time freelancing, so that worked out well.