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

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M
2021:  $1.618M

That's $323k of growth in savings & investments and $20k in additional home appreciation; plus, an $90k family loan was forgiven, and we received an unexpected $5k gift.

[johndoe]

I thought it might be interesting to see (graphically) everyone who posted values recently.  You should be able to edit the Y axis range to see how your progress compares to others:

https://docs.google.com/spreadsheets/d/1QLc_BgAkKqj3kIj_JYo8Sf_7XRotWfYx-7p9-W4HMRY/edit?usp=sharing

turns out @givemesunshine is my twin!

[SaucyAussie]

I thought it might be interesting to see (graphically) everyone who posted values recently.  You should be able to edit the Y axis range to see how your progress compares to others:

https://docs.google.com/spreadsheets/d/1QLc_BgAkKqj3kIj_JYo8Sf_7XRotWfYx-7p9-W4HMRY/edit?usp=sharing

turns out @givemesunshine is my twin!

Very cool!  I found my twin with 2Birds1Stone.

[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 investments. 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 investment gains of $140K were able to accumulate without much drawdown.  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!

2021 was another good year financially.  Sticking with Zillow values (which I think are quite high) to be consistent with prior updates, total increase was $791K.  Excluding equity in our home, the increase was $560K.  Really mind boggling!

[Exflyboy]

Added $425k this year to exit at $3.1M liquid.

(not counting paid off house and about $40k/year in pensions if we drew on them).

Guessing at value of house and total value of pensions gives us a "funny money" networth of $4.4M.

[SanDiegoFIhopeful]

Jan 1, 2019: $419k ($284k in investments, $135k in home equity)
Jan 1, 2020: $654k ($434k in investments, $220k in home equity)
Jan 1, 2021: $1,016k ($751k in investments, $265k in home equity)
Jan 1, 2022: $1,447k ($947k in investments, $500k in home equity using a 5% discount from the avg of Zillow & Redfin's estimates for my house)

Change of $431k or 42%. Need a 38% increase to hit 2mm this year. Seems highly unlikely but will give it our best!

Jan 1, 2019: $419k ($284k in investments, $135k in home equity)
Jan 1, 2020: $654k ($434k in investments, $220k in home equity)
Jan 1, 2021: $1,016k ($751k in investments, $265k in home equity)

Change of $361k or 55%. Holy moly, I didn't realize that in the last week of the year we crossed the $1mm threshold!

Jan 1, 2019: $419k ($284k in investments, $135k in home equity)
Jan 1, 2020: $654k ($434k in investments, $220k in home equity)

Change of $235k or 56%. This was by far our best year from an income and savings standpoint. This also encouraged me to move from being a lurker on here to actually participating :)

In our investments, we saved $78k, or 35% of our net income (take home pay, then adding back 401k contributions). We maxed out two 401k accounts, one HSA, and an ESPP. We also had an overly concentrated stock portfolio due to DW's company stock RSUs that vested during the year, and ESPP stock that we were holding until we could sell for long term cap gains tax. While I thought the company was undervalued at the beginning of the year, I didn't expect a ~60% increase in 2019, which was by far the biggest driver of our investment account increase. Finally, we refinanced our mortgage after some renovations (paid for by selling some of the company stock), so we saw a large jump in value that will not be repeated (I will just keep my appraisal value as the home value until a sale/refinancing event in the future).

I am beyond pumped, but trying to stay realistic. We are extremely unlikely to get even half as lucky in 2020, but are aiming to make up for some of that by increasing to a 45% savings rate.

[chasesfish]

I'm pretty excited about 2021, I had a decent bond allocation, boomer stocks, and have been a net withdrawal scenario since retiring in early 2019.  Here is the progression:

2011:  $323
2012:  $470
2013:  $716
2014:  $894
2015:  $1,019
2016:  $1,208
2017:  $1,519
2018:  $1,640
2019:  $2,046
2020:  $2,081  (not the smoothest ride!)
2021:  $2,655

Almost 2/3rds of the way to the next million!

[samanil]

Happy New Year everyone! Those are some damn impressive numbers.

Jan 1 2021 - ~50k
Jan 1 2022 - 139k (growth 89k)

2021 was my first year of applying Mustachianism. Seeing as my net worth almost tripled, I am pleased with the results, to put it lightly, especially since I have a modest income. Simply cannot wait to see this unfold.

[Exflyboy]

Happy New Year everyone! Those are some damn impressive numbers.

Jan 1 2021 - ~50k
Jan 1 2022 - 139k (growth 89k)

2021 was my first year of applying Mustachianism. Seeing as my net worth almost tripled, I am pleased with the results, to put it lightly, especially since I have a modest income. Simply cannot wait to see this unfold.

Oh yeah you are in for some eye opening numbers. It won't always go straight up, heck some years it will go down.. but over the next decade you re likely to be impressed.

I have friends who started this journey 5 years ago and today hit $700k.. They have decent incomes but not huge by any stretch.

[Blissful Biker]

TNW increase of $626K CDN ($495K USD) in 2021!  Comprised of:

• $68K in savings
• $219K in inheritance & one-off income
• $189K in market growth
• $150K 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 in an excellent position to FIRE in a few months.

[TempusFugit]

+245K in CY 2019

As Ender noted above, the December correction (nearly a bear) makes this year's numbers look better than they would otherwise.  But I'll take it.

Looks like CY 2020 is pretty much the same as 2019, with about +240K to the TNW. 

About 60K of that is contributions by me and my employer, so once again the stash has made more money for me this year than employment. Even if I include my employer sponsored health insurance, my little green workers still made more money this year than I did from working.  That's pretty cool.  It doesn't always work out that way, of course (looking at you, 2017).   
 

CY 2021 is in the books and the YoY increase was $316K.  Pretty sweet. 

~$65K of that was contributions.

[beantown]

12/31/2015 ~ -$51K
12/31/2016 - $16K
12/31/2017 - $98K
12/31/2018 - $221K (included SO’s net worth starting this year - about $40K)
12/31/2019 - $328K
12/31/2020 - $456K
12/31/2021 - $587K

Good net worth year despite having the lowest savings rate in the last 6 years due to adding a child

[marty998]

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

2015 - $713k
2016 - $897k

2017 - $1,082k

2018 - $1,176k
2019 - $1,330k
2020 - $1,588k

2021 - $1,958k (+$370k)

Scarcely believable - growth of over $1,000 a day this year! Spread across a general combination of everything - shares, property, superannuation and debt repayments.

It is tempting to start extrapolating out to see where the growth and compounding will take this number in the next 10 years.

Many of the FIREd contributors on this forum have seen their 'staches grow wildly since ER'ing. And personally I've seen the same with my parents (a normal R), despite them significantly increasing their spending since retiring.

It makes sense - if your withdrawal rate is 4% and the market grows at 7%, and if you've got a reasonably safe amount of leverage, then you're going to end up in a very nice place indeed.

[Freedomin5]

+306k for us. Not bad since DH went on sabbatical in July and we went down to one income for half a year.

[DavidAnnArbor]

 761,025   2012
921,833     2013
1,041,652  2014
1,057,308  2015
1,220,721  2016
1,514,360  2017
1,486,906  2018
1,876,021  2019
2,118,259  2020
2,649,324  2021

Just financial assets, exclude real estate which is probably 1/2 million in equity.

[Apples]

December 2013:    $43,800
December 2014:    $70,200  (up $26,400)
December 2015:  $107,700  (up $37,500)
December 2016:  $153,950  (up $46,250)
December 2017:  $219,525  (up $65,575)
December 2018:  $272,446  (up $52,921)
December 2019:  $370,526  (up $98,080)

We bought my grandparents' farm at the beginning of 2020.  I was correct in predicting, in my old post in 2019, that the transaction costs and interest we would pay the first year would put a damper on net worth growth.  Hopefully just for one year.  That turned out to be true, and I was too sad to post an update here a year ago.  So here's two years at once, and buying the farm was worth it.  (note, we track the farm loans on our personal balance sheet, but not the income/expenses, so when the farm has income to pay down its loans, our NW suddenly jumps up)

December 2020:  $392,251  (up  $21,725) lowest increase since I graduated college and we got married.  Long slog of a year.
December 2021:  $606,664  (up $214,413) 

Well, that turned around!  The farm had a decent year and we had the opportunity to pay down some loans.  Our net worth is above the amount of our outstanding debt again, which always makes me feel better.  $58,300 of it was contributions.  $94,500 of it came from the farm.  The remaining $61,600 was gains in the stock market and appreciation of farm value.  Damn, that's amazing.  I don't expect a repeat of this next year, due to some farm stuff.

[fraylock]

Jan 2019: 150k
Jan 2020: 368k (+218k)
Jan 2021:624k (+256k)
Jan 2022: 1,050k (+426k)

Grateful for the FI community; so much still to learn.  Hoping to downshift soon.

[bmjohnson35]

Our NW increased 13.5% in 2021.

[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
End of 2021: 493K -- Increase of 107K or 27%.

Not bad at all this year! Increased our overall debt level and still did OK here.  18x the NW we had 8 years ago.... wow!

[Bateaux]

Our net worth excluding any real estate, gained  $1450 a day in 2021.  Never thought it was possible.  I'm expecting about $750 a day in the future with average gains of 7 or 8 percent.

[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   
January 2022          861000        +201000   

I spent an extra $3,600 this year compared to last year for a total of almost $28,800, my biggest category increases were rent (+700), travel (+700 trip home and family wedding vs nothing in 2020), entertainment (+500), pet (+1200 due to terminal cancer and adopting a new pet) and clothes (+600 for the wedding and I barely bought any in 2020).  Some other categories went down, but I expect rent to increase by a lot over the next year and some other expenses to decrease, so hopefully I can continue to keep expenses below 30k.

[hydra]

Started the year at $3,518,306 and ended at $4,441,984, for an increase of $923,678. If this keeps up, we will be on our way to Fatfire, though our tastes and lifestyle are chubby.

[EscapeVelocity2020]

2021 was great for me monetarily like many other Mustachians, but my kids are probably going to struggle more than I did at their age trying to afford their first homes (since prices on existing homes are up 10 - 20% and new supply is severely constrained)...  Glad I can help then with down-payments I guess, but makes me worry about those similarly caring parents that can't. 

A 2021 replay cannot be sustainable nor a situation anyone should be satisfied with...

[Abe]

2021 was great for me monetarily like many other Mustachians, but my kids are probably going to struggle more than I did at their age trying to afford their first homes (since prices on existing homes are up 10 - 20% and new supply is severely constrained)...  Glad I can help then with down-payments I guess, but makes me worry about those similarly caring parents that can't. 

A 2021 replay cannot be sustainable nor a situation anyone should be satisfied with...

I agree...even here it's a bit nuts. (Not as bad as CA was, but that's a low bar.) Barring some catastrophe they'd have our house (we have just one kid), but the property taxes alone will require a substantial income. Whether they can sell it at that point is a bit of a gamble. Maybe better to downsize at a reasonable age so they're used to living with less...

[Gatzbie]

12/31/2019 -- $126,169.78
12/31/2020 -- $214,245.98
12/31/2021 -- $334k

Added for fun:

https://docs.google.com/spreadsheets/d/1QLc_BgAkKqj3kIj_JYo8Sf_7XRotWfYx-7p9-W4HMRY/edit?usp=sharing

I wonder what 2022 will bring. Will see!

[Turtle]

Retirement and Investment accounts increase for the last three years, rounded to the nearest K

2019     135K
2020       88K
2021     139K (plus or minus market fluctuation this week)

Included in that increase is maxing out my 40lk contributions each year.  That is the only cash I've been putting in recently - no additional savings outside that for the past 3 years.

Primary residence (mortgaged) and paid off vehicle not included.

Market fluctuation ended the year up 146K.  (Which is the amount I paid for my first house.  Crazy.)

My little green soldiers again made more money than I did this year.  Stash is not yet to the point of counting on that, but it's great when it happens!

[mbk]

Year	Net worth	Delta
2015	152,800	30,800
2016	189,000	36,200
2017	219,900	30,900
2018	230,600	10,600
2019	331,500	100,900
2020	430,800	99,300
2021	640,600	209,900

My net worth increased by more than $200k, which is much higher than my salary. I contributed approximately $30k to the retirement accounts. The rest is market gains and property appreciation.

[EscapeVelocity2020]

Speaking of increases and salary…. I wonder what my salary increase will be in 2022?  With the stock market paying so well and inflation picking up, I’m excited to see what employers have to offer!  If I’m disappointed, maybe I’ll give them a soft ER message and see what happens LOL

[gooki]

Time to share mine.

2019 - 450k - hit our lean FIRE figure.

2020 - 600k - I went back to work for 9 months as I was concerned about a COVID market drop. TSLA growth helped out a lot.

2021 - 976k - one more year syndrome kicked in so I did another 9 month contract, wife had 4 months off between jobs, but my investments have been doing all the heavy lifting.

Now I'm close enough to our fat FIRE number that I should be able to avoid the temptation to return to work in 2022.

[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.

Dec 2021: $562,477 (+$138K)

Can I be honest? I truly don't know how this has happened. But I'm grateful and frankly humbled.

I hit the first goal above, but not the second. Ran into some slight hiccups between Hurricane Ira and a bigger-than-expected tax liability, but still immensely grateful for the progress.

This next year, my goal will be to 1) contribute at least $90,000 in savings (though I'm hoping it'll be closer to $95,000), and 2) hit my giving goal of $45,000 across personal and tax-deductible charity.

[hoosier]

Jan 1 Balances

2014 - 238K
2015 - 264K
2016 - 292K
2017 - 394K
2018 - 511K
2019 - 519K
2020 - 753K
2021 - 957K
2022 - 1,254K

[Simpli-Fi]

Scarcely believable - growth of over $1,000 a day this year! Spread across a general combination of everything - shares, property, superannuation and debt repayments.

My gawd, I hadn’t thought about it this way before. I had similar growth.

2021 Net worth increase $1985/day...saved 38% of my w2 income (12% tax bracket); which is the lowest it's been since about 2006.  This should push me closer to quitting Evil Corp, but all I think is...this can't be good, top in?  bubble about to burst? 

2022 is my 20 year anniversary of investing...but I've only started paying attention about 7-8 years ago.

[JAYSLOL]

Good luck!!!

Thanks!!

[JAYSLOL]

End 2017 @ $64k
2018 +$18k  NW $82k @ end of 2018
2019 +$30k  NW $112k @ end of 2019
2020 +$16k  NW $128 @ end of 2020
2021 +$35k  NW $163 @ end of 2021

New record gain for this year, would love to say it was all savings but the market really helped.  Goal for 2022 is to save $100/day or $36,500 for the year plus or minus any market activity.  Not going to be easy, it would put us pretty much right at a 50% savings rate after tax.  Wish me luck!

$100 a day is a cool goal!!!

Might steal that one myself. I think if I count principal paydown on the mortgage and retirement I could maybe hit it

Good luck, you can do it.

Thanks!  I think I can can do it too, but it’s going to take me getting off my ass a bit more and putting some real work and planning in

[startingsmall]

December 1, 2015 - NW $178k
December 1, 2016 - NW $247k (increase $69k)
December 1, 2017 - NW $323k (increase $76k)
December 1, 2018 - NW $391k (increase $68k)
December 1, 2019 - NW $495k (increase $104k)
Jan 1, 2021 - NW $610k (increase $115k)
Jan 1, 2022 - NW $892k (increase $282k)

A good chunk of this year's increase is home equity, because I'm in an area where property values are going especially crazy. Even if I eliminate home equity/mortgage, though, we're still up $131k from last year. Not too shabby!

[trashtalk]

We are up about $350k this year including equity gains and property value (all paid off). We didn’t calculate in 2020 bc we were too depressed but we are up $700k from our last total in 2019. Our savings rate is garbage right now but at least we didn’t spend it all either.

[Half Stached]

2021 EOY: 2760K
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)

Crazy... it keeps going up! Despite FIREing over two years ago, I've found I'm happiest taking on consulting work for 1-2 days a week. I'm fairly picky about it so sometimes I go a few months with nothing, but I enjoy the work when its on my terms: light, lucrative, and no office politics. This also keeps me in contact with some friends I might otherwise not see and keeps my mind sharp.

[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

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: $312K increase (updated real estate info so I revised my previous estimate of $230K)
2021: $427K increase (and I FIRE'd at the end of May)
2022: I'd be happy to see no increase or decrease, but who knows? It's a wild world out there.

[couponvan]

12/16 $1.31
12/17 $1.49
12/18 $1.59

12/19 $1.79

12/20 $2.43. 

12/21 $2.78
DH switched jobs during 2021, and his base salary is going to be MUCH lower for 2022. Stock options in 2 years should change that whole scenario, but we will have 2 OOS tuitions and 1 Stanford semester to pay for with no financial aid. Living the dream! Working to pay tuition! 2022 was our original FIRE date, but it looks like DH will be working at least 3 more years since I worked 3 less years. 2022 will be the year of treading water.

[2KidFIRE]

EOY Invested Assets
2020 - $3.20M
2021 - $3.96M (+ $760,000)

Clearly 2021 was a great year for the markets.  My wife left her job at the end of September in 2021 and I'm planning to do the same at some point in 2022; probably no later than the end of May.  Happy New Year everyone!

[maisymouser]

Cash + Stocks:
Jan 1, 2021 - 219k
Jan 1, 2022 - 308k
Total NW Increase: 89k

Excluded increase in home equity, treat my assets as separate from DH's. Salary is 75k so I'll call this year a win!

[Mississippi Mudstache]

I started tracking net worth late in 2013. I'll list my beginning and ending NW for each year starting with 2014:

Year    Starting        Ending       Change   % Change
2014      $70,000     $125,000     $55,000       79%
2015    $125,000     $133,000       $8,000       6%
2016    $133,000     $171,000     $38,000       29%
2017    $171,000     $231,000     $60,000       35%
2018    $231,000     $255,000     $24,000       10%

Last few years have been wild. I quit my job in 2019, and started a furniture & cabinetmaking business. Have to credit my frugality and investing for giving me the solid financial footing to make the plunge. After two and a half successful years on my own, one of my old employers gave me an offer to come back as a remote employee that I couldn't refuse. So I'm going back to the corporate world this month, but on my terms.

Obviously the last few years have been good ones from the investment perspective. We didn't shovel as much into retirement accounts after I went self-employed, but the nest egg that I'd already accrued went on a tear in 2020, as well as my home equity. We made the decision to downsize and harvest some home equity last fall. We owed $230K on a house that we sold for $470K, downsized to a $280K house. The new house is not as big or as nice, but it suits our needs and gives us more money to invest. ($230K more to invest, more or less).

2019    $255,000     $273,000     $18,000       7%
2020    $273,000     $373,000     $100,000    36%
2021    $373,000    $638,000     $235,000       71%

The massive jump in net worth mostly reflects the nutso housing market over the last year. I tried to account for our home equity in the past, but I was always conservative with my estimate. Anyway, breaking the half-million mark this year was a huge psychological boost. And all that home equity has now been converted into investable cash. Planning to use it to buy timberland this year.

[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.

Hit $1000k back in November and ended the year up $272k with a savings rate of 74%.

With only 6 months left on my work contract, I need to decide what my next life looks like.

[Imustacheyouaquestion]

Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349    (+ $99,648)
Dec 2018: $255,892    (+ $49,542)
Dec 2019: $424,020    (+ $168,128)
Dec 2020: $584,000    (+ $160,000)
Dec 2021: $788,000    (+ $204,000)

My goal is to save $100k in 2022.

[Rightflyer]

Retirement investment pots only.
(Effectively FIRE'D in 2017.)

Interesting to see the huge increases from some of the other posters.

2004    $247,000    
2005    $258,583    5%
2006    $290,050    12%
2007    $389,541    34%
2008    $342,049    -12%
2009    $351,000    3%
2010    $402,000    15%
2011    $453,210    13%
2012    $499,890    10%
2013    $577,000    15%
2014    $681,150    18%
2015    $790,160    16%
2016    $809,166    2%
2017    $876,339    8%
2018    $818,475    -7%
2019    $899,859    10%
2020    $954,475    6%
2021    $1,071,840    12%

[clarkfan1979]

Retirement investment pots only.
(Effectively FIRE'D in 2017.)

Interesting to see the huge increases from some of the other posters.

2004    $247,000    
2005    $258,583    5%
2006    $290,050    12%
2007    $389,541    34%
2008    $342,049    -12%
2009    $351,000    3%
2010    $402,000    15%
2011    $453,210    13%
2012    $499,890    10%
2013    $577,000    15%
2014    $681,150    18%
2015    $790,160    16%
2016    $809,166    2%
2017    $876,339    8%
2018    $818,475    -7%
2019    $899,859    10%
2020    $954,475    6%
2021    $1,071,840    12%

For 2021, total gains were around 450K (750K to 1200K). Real estate gains were around 380K, 43K for stocks and another 27K of savings that went into retirement accounts. For 2021, total gains were around 450K.

For 2021, I started my transition into more of a spender. However, I'm not buying stuff, it's more on travel and experiences.

1. 3 trips to Florida to see parents (Jan - March)
2. 6 week trip to Kauai (June)
3. 2 week trip to midwest to see family, which included 1 week in Ely, MN (beautiful)
4. Two snowboard passes. Epic local pass for $550 and Monarch Mountain pass for $450. Aiming for 40 to 50 days of snowboarding.
5. Season pass for golf for $525. They still charge you $11 for each 18 holes. I think I need 32 rounds to break even from the regular rate.

[dignam]

NW increased 47.55% in 2021 to finish at $454k. 

This just blows my mind; I remember celebrating in 2017 when I crossed the $100k NW milestone.  It really seems to be true that the first $100k is the hardest.

[Glenstache]

It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.

[dignam]

Good points Glenstache.  I think I had posted before (maybe in this thread?) that I almost feel guilty to be in the position I am during the pandemic/housing price spike.  So many peers are either struggling to make it work or simply don't have enough in the market to have captured any significant gains.

[Exflyboy]

It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.

I agree this last decade looks to be a bit outrageous as far as growth goes. Just the other day I had a friend who asked me what he should do to "be like me"*

My natural reaction is to tell him to do what I did and invest everything he has in a stock market index fund. The trouble is of course the short to medium term outlook appears to be very toppy and I honestly hesitate to provide the standard recommendation, particularly as this guy is not making much more than he needs to live and psychology being what it is.. if he invests now chances are the market will go down 20+% over the next year or so and he will probably sell somewhere near the bottom!

I am just thankful I did what I did when I did.


*... I don't think he was talking about my irresistability to the opposite sex?..:)