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

[SwordGuy]

...
Not sure a target for this year as it'll be our first year with a new lower mortgage meaning not as much principal paydown.  I'll also be starting a new business so not sure where my income will land.

Congrats on such serious progress and making the $100K investment milestone!

As for where your income will land, in the market in index funds, you silly! :)

[Abe]

About even as we withdrew money due to temporary unemployment from covid shutdown and a move. Also bought a house and consider that net even. Good news is with the new job, our projected savings for next year is a quarter of our total savings so far! On course for FI by 2026!

[Faramir]

Household combined figures converted to US$

end 2012: $130K
end 2013: $221K   +$91K on combined salaries totaling $76K
end 2014: $318K   +$97K on combined salaries totaling $80K
end 2015: $362K   +$44K on combined salaries totaling $80K 
end 2016: $486K   +124K on combined salaries totaling $85K   

I didn't realise I hadn't updated this thread annually.  US$ used.

end 2017: $660K    +$174K
end 2018: $630K    - $30K   (NW increased in NZ$ but not in US$ due to currency fluctuation)
end 2019: $681K    +$51K
end 2020: $842K    +$161K (big increase due to NZ$ gains vs US$, probably thanks to NZ covid response)

[Longwaytogo]

...
Not sure a target for this year as it'll be our first year with a new lower mortgage meaning not as much principal paydown.  I'll also be starting a new business so not sure where my income will land.

Congrats on such serious progress and making the $100K investment milestone!

As for where your income will land, in the market in index funds, you silly! :)

Thanks!

Ha!

[Fish Sweet]

As of 12/30/20, I am up 28k in NW from the first of this year, for a total of about 256k.  I've had years with a much higher increase, but it's pretty fucking amazing for 2020, a year in which I left my FT job and ended up relying wholly on my crafting income, paid for all my own health insurance, endured expensive prolonged family illness (hospital parking was $28 fucking dollars a day, can you believe that shit?), paid for half of my sister's tuition, and of course went through the ongoing COVID pandemic like the rest of the world.  And also depression-purchased a lot of random things, not gonna lie.

It really just serves to drive home how fucking fortunate I am, and also how effective saving + investing is.  Past!Fish Sweet worked hard and saved hard and endured so that present!Fish Sweet could have a little breathing room in this awful, awful year, and I'm very grateful for that.

[ItsALongStory]

2020 was quite the incredible year for my SO and I.

We set off with the following plan:
- look for internal job transfer and move from US to Europe
- continue targeting the firehose towards FIRE in 3-5 years

Instead we totally switched it up:
- failed to get that internal transfer
- talked it through and decided to go forth with mini-retirement (for me, SO has been retired for years) anyway
- sold our house, cars & most belongings
- moved to Europe in September with a plan to slow travel throughout the continent

Financially it was a tremendous year as we invested the proceeds from our house sale. We missed the biggest dip but still benefited a lot from maxing out 401k/HSA/IRAs early.

1/1/20: $264k invested + about $200k estimated home equity
12/21/20: $700k invested for an increase of $236k which is absolute madness!

No more money is getting added to the stash currently so things will certainly slow down but we're so fortunate for what 2020 brought us despite all of the crap the world has had to deal with.

[philli14]

Jan 1 2018: $21,789
Jan 1 2019:  $67,786
Jan 1 2020: $127,304
Jan 1 2021: $203,920

Unbelievably thankful and grateful!

[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)
31 Dec 2019: $706,933   (Δ $178,648)

31 Dec 2020: $914,880  (Δ $207,947)

I saved $60,500 and the rest is (holy wow) market gains. Lower savings than previous year. I added a fancy condo to the fancy car.

[midwesterner1982]

Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000
Dec. '18:  $490,000
Dec. '19:  $651,000
Dec. '20:  $854,000
Another great year of savings and market returns.  Looks like we should add a comma in '21.  Amazing to see everyone's success!

[SimpleCycle]

December '12 - $161,110
December '13 - $225,147 ($64,037, 40%)
December '14 - $261,912 ($36,765, 16%)
December '15 - $272,926 ($11,014, 4%, ouch)
December '16 - $371,957 ($99,031, 36%)
December '17 - $528,534 ($156,577, 42%)

December '12 doesn't have home equity and we sold the house and rented in '13, so that's where that jump came from.  For '16 and '17 I've included very conservative estimates of home equity.

December '18 - $651,778 ($123,244, 23%)

We did well on contributions, but our conservative estimate of home equity is down and investments were a mixed bag.

December '19 - $799,312 ($147,534, 23%)

We're up more than that for the year, because I reported last December before the year end dip.  It's amazing to look back and see all the progress we've made.

December '20 - $1,115,691 ($316,379, 40%)

We broke the million mark through a combination of aggressive contributions and market gains.

[salt cured]

Hit $750k for the first time yesterday. Up 43%/$229k for the year with a savings rate of 76%.

With only 19 months left on my work contract, I need to start planning what my next life looks like.

[onecoolcat]

I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(

1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66

1/1/2020 - $182,658.32.  An increase of $82k.  I'm happy with it but it could have been much better.  My spouse plans to reenter the workforce after more than 3 years of being a SAHM.  It's our goal to get her a flexible job nearby that has good insurance and a 401k.  I'm currently paying over $18,000 annually in insurance premiums (for meh insurance) so we would love to find something better.

1/1/2021 - $363,520.25.  An increase of $180,842.27.   Crappy year overall but I am thrilled with the financial gains.  Pretty much hit on all cylinders in 2020.  I front-loaded my retirement accounts which meant I was buying heavily during the February-March crash, made a little in crypto, and made a little in the collectible sealed Magic the Gathering/Pokemon TCG scenes (not a scalper/reseller.  I buy from a Local Game Store and sell a portion of the older stuff that is out of print to recover my basis and sit on the rest - its quite fun).

My spouse is going back into the workforce in a couple weeks, after being a SAHM for four years.  I don't include her accounts in the above so it won't be a significant impact to my future updates but it is definitely a major factor in us become FIRE sooner.  Her job will give our family much better insurance options.  We currently pay around $1,200 a month for insurance and her job will give us access to insurance that is $250 per month.  Huge savings potential there (there will be savings even if we hit the much higher deductible but we are hoping that doesnt happen).

[ScreamingHeadGuy]

Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome! 

[Wintergreen78]

Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome!

Yep! I’m going to go back to work after not working for three years. I just realized my net worth went up by almost exactly what I asked for as my annual salary.

And I was at least 5 or 6 years into my professional career before my salary matched my returns this year.

[McStache]

2013 - $10,000?
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830
2018 - $317,638
2019 - $441,666
2020 - $574,853

Crossed the half million mark this year! The market made more than I contributed this year - 62k me + 71k market = 134k total

[Weisass]

2018: $488k
2019: $759k
2020: $830k

Looking forward to a good 2021!

[Half Stached]

2020 EOY: 2383K
2019 EOY: 2122K (retired in March)
2018 EOY: 1517K
2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

It's crazy to see this kind of appreciation during a year like this...

[MrsCoolCat]

I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(

1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66

1/1/2020 - $182,658.32.  An increase of $82k.  I'm happy with it but it could have been much better.  My spouse plans to reenter the workforce after more than 3 years of being a SAHM.  It's our goal to get her a flexible job nearby that has good insurance and a 401k.  I'm currently paying over $18,000 annually in insurance premiums (for meh insurance) so we would love to find something better.

1/1/2021 - $363,520.25.  An increase of $180,842.27.   Crappy year overall but I am thrilled with the financial gains.  Pretty much hit on all cylinders in 2020.  I front-loaded my retirement accounts which meant I was buying heavily during the February-March crash, made a little in crypto, and made a little in the collectible sealed Magic the Gathering/Pokemon TCG scenes (not a scalper/reseller.  I buy from a Local Game Store and sell a portion of the older stuff that is out of print to recover my basis and sit on the rest - its quite fun).

My spouse is going back into the workforce in a couple weeks, after being a SAHM for four years.  I don't include her accounts in the above so it won't be a significant impact to my future updates but it is definitely a major factor in us become FIRE sooner.  Her job will give our family much better insurance options.  We currently pay around $1,200 a month for insurance and her job will give us access to insurance that is $250 per month.  Huge savings potential there (there will be savings even if we hit the much higher deductible but we are hoping that doesnt happen).

Sent from my Pixel 2 XL using Tapatalk

[Holocene]

I updated my spreadsheet today.  My liquid net worth is now $905k.  I don't bother to really track home equity but that's probably another 100k or so.  Up $187k from last year which is absolutely crazy considering the year we had.  I track my assets monthly, so in April, I was at $578k (-$140k since Jan 1).  Things were not looking good at the time and I was convinced that my FIRE date (2022) would probably need to be pushed out since I was sure we'd be in a recession for a few years.  Now I'm basically at my FIRE number.  What a crazy year.  I've never tried to time the markets, but this has really convinced me not to try.  I thought for sure markets would stay low what with large swaths of the economy being shut down.  They've definitely proven me wrong but I won't complain.  Glad I didn't listen to all the noise as things were crashing.

It's been a tough year for most of us, but I'll admit I've had it much easier than many.  I'm grateful for so much, especially my health and not needing to stress about money in this time when so many are.  I honestly didn't expect my NW to increase this year.  I was just happy to have a roof over my head, a safe job, and financial security to make it through some rough times.  Congrats to everyone who made progress in 2020 and for making it through a tough year.  Here's to hoping 2021 is a little kinder to us all.

[Jaayse]

Investments only, solo journey (so far)

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)
January 2019          356500        +124500   (Sale of condo +60k, total of 144k invested)
January 2020          500000        +143500   (Change of location significantly decreased income by almost 28k)
January 2021          660000        +160000   

No major changes this year (other than the entire world around me).  I made only around 1k more this year and spent around 2k less than last year.  I saved around $63500 and the rest was all market gains.  It is still insane to me that after such a short time that my money makes more than I do.  I just hope that this year is better than last year in all ways.

[marty998]

Wow wow wow look at all these numbers!

So many on this page starting small and within a short decade or less turning it into hundreds of thousands or even a million or more.

All of us have completely different backgrounds and life circumstances... and yet it’s result after result after result after result proving that this shit works.

Hearty congratulations to all, and may we all continue on our merry ways in 2021!

[marty998]

Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome!

Amazing! Reminds me of the Buffet graph that shows he made more in a couple of years in his 80s than his entire life to 79.

[YellowCat]

2015: $333,176
2016: $427,947 (+$94,771)
2017: $628,029 (+$200,082)
2018: $718,610 (+$90,581)
2019: $1,030,547 (+$311,937)
2020: $1,355,244 (+$324,697)

I knew our NW would be up this year but I honestly didn't realize by how much. It's especially shocking seeing as my husband and I were reduced to 80% time (and pay) for half of the year plus I was out on unpaid maternity leave for about 4 weeks. This is bonkers.

[Queen Frugal]

I'm still at the beginning of my FI journey but I am pleased with my progress for 2020.

Looking back at my numbers for the year, I was down 21% at the end of March. What a year.

2018: $   67,326
2019: $ 116,757 (+49,431)
2020: $ 169,634 (+52,877)

[NotJen]

Year End          NW            NW change
  2014     $   426,858.76   
  2015     $   480,051.14     $  53,192
  2016     $   573,296.77     $  93,246
  2017     $   738,621.46     $165,325
  2018     $   765,895.59     $  27,274
  2019     $1,007,273.79     $241,378
  2020     $1,205,500.96     $198,227

I did not add to my investments at all this year, so the increase seems a little nuts (though I did have a well-timed rollover that made me $41k, so there's that).  I do include my home value in my NW, but I've kept it constant all these years.

[foghorn]

1-1-20 = $3,156,875
1-1-21 = $3,582,867

Change = +$425,992

If I added the value of the house (paid for - about $350,000) - I broke over Total NW of $3,900,000 as of today.

Considering what a shit show 2020 was, I am finding it very hard to complain about anything. 

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M

That's $194k of growth in savings & investments, and $9k in additional home equity this year.

[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!

12/31/2019: $37,161 Feeling a slight tailwind kick in

12/31/2020: $110,648 Sold my house, passed the CPA exam. Curious what 2021 holds.

[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
End of 2019: 315K   
End of 2020: 386K -- Increase of 71K or 22%.

Changes this year: Did a TON of home improvements on our 1921 duplex. (Had a LOT of deferred maintenance when we bought it, catching up on some of that now.) Our downstairs tenants moved out, and ended up spending money unexpectedly inside that unit as well as what we already had planned. New backyard fence, central AC installed in both units, jacked up and rebuilt our garage walls and resided it, new front and back doors on the house, replaced 16 of the house windows. New laundry appliances, fridge and dishwasher for our tenants. Resided one side of the house, doing the other 3 in 2021.
Refi'd our 1st mortgage and rolled some of these expenses into that.
 Also started building our dry cabin this fall, before our building permit expires. Slab was poured in 2019, got our exterior framing and sheathing up, and roof on. Hooked up to electrical grid, and windows and doors are getting delivered this week.

2021 plans: Finishing house residing project, get the gutters replaced, and then more work on our cabin. On the cabin, hoping to get the windows, doors, skylights and wood stove/chimney installed, electrical finished and insulated.

We've been EXTREMELY lucky this year. We both still have our jobs, got some great new tenants downstairs, and enjoying the increased utility of the home improvements. (Like a dry garage, and being able to open windows in the house! No health issues on our end this year, and we were able to take a fantastic trip in January. We had some intense last few years with work, school, and home projects, so we've been able to start reaping the payoffs from that work.

So our debt actually increased this year, but still saved plenty, increased our giving, and our investments did fantastically well. To have another big NW increase in a year like this with spending like we had, AND the pandemic effects....I'm amazed.

[fattest_foot]

2014: $97k
2015: $129k (+$32k, 32%)
2016: $205k (+$76k, 59%)
2017: $318k (+$113k, 54%)
2018: $366k (+$48k, 15%)
2019: $557k (+$191k, 52%)

2020: $784k (+$227k, 41%)

[zygote]

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 (+$26k)
12/19: $118k (+$48k)
12/20: $192k (+$74k)

I got an unexpected large cash gift at the end of the year, so that helped a lot. Otherwise, I invested about the same amount as I did in 2020. But even without the gift, my net worth increased more this year than last. Crazy how much the market went up in the face of a pandemic, and how much I'm already starting to see that compound interest at work.

[couponvan]

12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stock returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.

12/19 $1.79 still smoke breaking. Bought a new house, paid cash for college again, took lots more YOLO trips, and was surprised things actually went up with the net worth. Thank you markets. I am a bit listless with the SAHM routine. I may go back to work in March or April. Or not...

12/20 $2.43.

I did NOT go back to work in March or April, and I was grateful 2020 March that I had spent the prior year doing a bunch of YOLO items.  Spent most of 2020 hunkered down not doing much.  Got some new foobs (cancer sucks), hubs got a new hip, we bought a travel trailer, bought used SUV clown car to tow said travel trailer, and I am shocked at how much net worth increased since last year given the global situation as well as still paying cash for college with OOS tuition rates and only one income.

Our original FIRE number was $2.5 million and a paid off house.  We are starting to look seriously at the coast FI option and if it's a possibility in 2 years to downsize to a smaller house in a HCOL area with a lower income stream. We are shifting around things to provide additional liquidity our finances.   

[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
2020     495,309

Largest absolute increase yet. Over 75% of it was the market.

[SpareChange]

Wow wow wow look at all these numbers!

So many on this page starting small and within a short decade or less turning it into hundreds of thousands or even a million or more.

All of us have completely different backgrounds and life circumstances... and yet it’s result after result after result after result proving that this shit works.

Hearty congratulations to all, and may we all continue on our merry ways in 2021!

+1. It's wonderful to see. And experience.

[Chaplin]

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: $273K increase (a lot better than the $170K I had forecast 12 months ago)
2020: Do I dare make a prediction? Not this time.

2020: $230K increase (wild markets + luck putting in money during the March dip)
2021 prediction: happy with any increase since I'll be FIRE'ing midway through the year

[FIreDrill]

End of      NW           Change

12/13:   $41,032   
12/14:   $106,801    $65,769
12/15:   $197,262    $90,461
12/16:   $276,361    $79,099
12/17:   $368,051    $91,690
12/18:   $394,472    $26,421
12/19:   $560,195    $165,723

12/20:   $840,205    $280,010

2020 was rediculous in so many ways.  Hard to believe we were close to having a 300k YOY increase....  Thanks Mr Market.  Stay safe out there everyone.

[trygeek]

$96000 increase for the year not as much as last year but who can complain about almost a hundred thousand dollars. Especially after how the beginning of the year looked.

[Sandi_k]

NW increase of $352k in 2020.

- $130k increase in our portfolio, year-over-year. Only $26k was contributions.
- $22k increase in home equity via paid-down principal
- $200k increase in lump-sum pension value.

Jan. 1, 2019: $2.3M
Jan. 1, 2020: $2.75M
Jan. 1, 2021: $3.1M

Note that half of that NW is in the form of the lump sum cash value of a defined benefit pension.

[anotherAlias]

2020 may have sucked in many ways but it was a very good year financially for me.

2011:      $85,616.93
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
2019:    $812,897.82
2020: $1,021,771.19

[Michael in ABQ]

2018 - $65k
2019 - $92k (+$27k +42%)
2020 - $146k (+$54k +59%)

This is just what's shown in Personal Capital.

On top of that we've got equity in vehicles which has been fairly steady around $10-12k.

I've also got a business that's got about $10k on the balance sheet between cash and inventory (not included above), most of that added in 2020. Also have some short-term investments outstanding of another $5-6k and about $4k in a government pension I'll be withdrawing when I leave my current job.

[Blissful Biker]

TNW increase of $330K CDN ($260K USD) in 2020!  Comprised of:

• $80K in savings
• $160K in market growth
• $90K jump in our home property valuation (word seems to be out that our small mountain town is idyllic)

That's by far our largest annual increase and I am grateful to be so fortunate in a year that has been difficult for many.

[Fru-Gal]

We're up by over $150k this year!!! Mind-blowing. Just a few days ago passed $500k investments. Also hit $1 million NW this year. Truly grateful for MMM and this community being the catalyst. As we all know, these behaviors aren't discussed in polite company, plus stealth wealth is important especially as you go higher in NW or work in a field where people are subsisting on much less (some while racking up debt/leasing new cars/clubbing). People can be jealous bitches and you will lose some friendships if your success is obvious (or even if not but you just seem suspiciously content).

While it hasn't been easy, I first fixed my mindset. Then I accidentally landed the highest-paying gig of my life after DECADES of subsistence on low income self-employment. IMHO, MMM's emphasis on getting a better-paying job is critical. Like high savings rates, it's one of those things that people think is impossible for them to achieve. It's not. The money is out there, at least for now in a good global economy. I don't deceive myself that it's all about me -- I've been through recessions and know the experience of calling every client I have and learning they no longer have budget and have laid everyone off. I've also worked a ton of manual labor. This is a good economy. Enjoy this motherfucker!

Low expenses + no debt + high savings rate + high income + stock market = FI!

Went back to find this post from the end of 2019. We ended 2020 at $1.4 M net worth and $707,000 in investments/savings/401k/IRA!!! The even crazier thing is that in August we crossed $600k and only in the last few days of 2020 we passed $700k, so we gained/saved just over $200k this year (home value also increased NW). Really want to get to a point to exit my job, and/or redefine it in a way that brings me more joy and less stress.

[aspiringnomad]

2014: 425k
2015: 628k
2016: 830k
2017: 1,167k
2018: 1,325k
2019: 1,658k
2020: 2,127k; FIRE'd and moved abroad midway through the year.

I found this site in early 2013 and started tracking my finances in 2014. What a ride it's been. Warm thanks to everyone for the advice and encouragement along the way. May 2021 bring you happiness and closer to your goals.

[Civex]

2014: (160k)
2019: $485k
2020: $635k

These are just investments, I think we have a conservative $50k equity in house after realtor fees. We directly invested >70k this year and the market returned slightly more than that, netting us around $150k in portfolio growth. We also made significant progress on debt reduction--at least $40k in principle paid. All in all we are +/-10k of 200k this year, which is just mind blowing. Reach goal had been $100k in net worth increase.

I expect us to be closer to $100k in net worth growth in 2021-planning on taking some time off work and we will hopefully be able to do some traveling. Reach goal is 1M in investments in 3 years, which will largely depend on market returns.

[minority_finance_mo]

Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.

December 2018: $208K.

Did manage to increase net worth more in 2018 than 2017 - about ~58K. Goal next year is to get back in the 70-80K range. Will check back in a year.

Unfortunately, didn't hit the 70-80K goal, but I did break the quarter-mill mark last year! Currently sitting at $264K in net-assets.

2021 has been an absolute whirlwind of a year. Despite the pandemic, a cut in my income for almost half of the year, and a lack of my usual bonus, I was able to save/earn more from investments this year than I ever have in my life.

I'm ending 2020 with $424K in net assets - that's an increase of $160K in assets from the same time last year. That just feels like an absolutely unbelievable amount - I'm still in shock about how that has happened. I'm looking back at my investment contributions over the course of the last year, and I can account for ~$75K in contributions that I've made. It's possible that I've added another ~$10K or so in my cash savings. That leaves around $75K in pure investment earnings --  I'm a bit incredulous that I could make that much in investment returns, given the size of my portfolio, but my investment account summaries tend to point to a similar sum. I'm incredibly grateful for that growth and hope it will continue in the future.

To sum up, here is a summary of my financial journey to date:
Dec 2014: $554
Dec 2015: $32.2K (+31K)
Dec 2016: $100.7K (+68.5K)
Dec 2017: $149.6K (+48.9K)
Dec 2018: $208K (+58.4K)
Dec 2019: $264K (+56K)
Dec 2020: $424K (+160K)

My goal for 2021 will be to 1) cross the half-million mark in net assets and 2) match my contributions in 2020 of $85,000.

[Wile E. Coyote]

I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Down about $50K this year, mostly due to the Zillow value of my home becoming more reasonable.  I left my full time job and started a new venture in February 2017, so I wasn't saving nearly as much as before.  Investments were up $192K.

I've been away for a while so I missed a few years.  Over these last few years, the Zillow value of my home (which I know isn't really accurate anyway) has come down to a more normal level.  The rest of the changes are from investemts. 2018 was flat as I drew out some of my investment gains  for the year as I was still in the early stages of a new venture (the rest of my investment gains helped to offset the decrease in Zillow "value" of my home).  2019 things started to pick up so investement gains of $140K were able to accumulate without much draw down.  2020 was really a good year with an increase of $410K as I was able to start adding to my investments again and the market reached new highs. Here's to 2021!

[Gingersnaps]

Wow just done my end of year calculations and I'm in shock! 2020 was the year I started taking all of this serious and I've doubled my net worth.
Figures include student loans but if we stopped working they'd eventually get written off

Jan 2020: £91,386.49
Jan 2021: £188,852.81

Wishing everyone a successful 2021

[SwordGuy]

2012	$0.50M	Found MMM in November after 30 years of toil.  Changed behavior in December.
2015	$1.05M	3 rental properties plus a 66% savings rate.
2016	$1.90M	Inheritance plus savings

2017	$2.52M
2018	$2.53M	Retired in May
2019	$2.73M
2020	$2.82M

Plus we paid off our mortgage, saved an architectural gem from destruction (its now been gloriously renovated), helped friends start a real estate investment business, helped another person to get a house at some real savings, tried (and failed) to set up a charity group home, and have upped our charity budget to over $16k a year.

[rebel_quietude]

$193,902 NW increase this year. Good lord. These markets are amazing . . .

[MishMash]

We ended the year at 2.250m a 250k increase from last year without saving anything outside dividends and not taking into account the roughly 10% increase in home prices since we bought end of 2019. I went back and looked at 2014 when we first started saving and investing seriously and we are up 1.4 million in 6 years....dammmmmnnnn