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

[MissNancyPryor]

I lost 28% this year.  That sucks, but life is good. 

I retired in Sept 2019 and more than doubled that stache by December 2021, riding the incredible rubber band snap of the pandemic and keeping my head together as I achieved escape velocity.  I did not panic during Covid despite lectures from the "this time it's different" crowd and kept my allocation.  Looking back over some of those threads and having first hand knowledge of real-life people who freaked out, I am so grateful that my tendency is to remain calm and keep a steady hand.

Keeping my allocation and not reacting to the market or trying to shoot the moon on GME, TSLA, or crypto has been the key.  I sold stock this December like I always do and filled my rain barrel back to 2 years of cash on hand to provide my never-going-back-to-work-EVER buffer against life.  The market will recover, it always goes up (thanks JL Collins). 

I am grateful and looking forward to 2023.       

[ender]

Looking like about $0 roughly.

[Miss Piggy]

Down 18% compared to a year ago. *cry*

[waltworks]

Looks like I was down about 3% in liquid assets, and who the heck knows on my house - 25%?

I'll take it.

-W

[NotJen]

My NW decreased in 2022 by $244k - FIREd, so no real contributions this year.  But I'm still up 22% since my retirement date in 2019, so I'm good.

[SpareChange]

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

Income: 74,506.98
Spent:   21,009.22
Saved:  43,513.74

Gross savings rate: 58.4%
Net savings rate:    67.4%

2022 felt like a run on a hamster wheel....lots of time and energy expended...not much to show for it. Oh well. Happy New Year to everyone!!

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M
2021:  $1.618M
2022:  $1.440M

[Rubyvroom]

* 2014 - 12%
* 2015 - 15%
* 2016 - 25% <-- found MMM
* 2017 - 42%
* 2018 - 37% <-- bought land
* 2019 - 67% <-- sold house
* 2020 - 74%
* 2021 - 102% <--- FIREd 2 weeks ago :)

* 2014 - 12%
* 2015 - 15%
* 2016 - 25% <-- found MMM
* 2017 - 42%
* 2018 - 37% <-- bought land
* 2019 - 67% <-- sold house
* 2020 - 74%
* 2021 - 102% <--- FIREd late December
* 2022 - 81% <--- back to work in September

Ooof. Our net spend was only $32K + $168K market declines. Net spend includes some income starting in September because we chickened out after seeing that our expenses were higher than anticipated and market losses were eroding our stash. I'm making more money now than I've ever made after accepting one of the hail-mary "please come back to us" propositions from a previous employer. I'm still totally ready to end it the moment we get our finances back in line.

We found out something important this year. When we have nothing but time, we like to do more things, and those things cost more money than we thought they would. So I think rather than a "get us the hell out of here Lean-FIRE" we're going to pad things a bit more for round 2. It was a learning lump, but not a horrible one, and hot damn it was a magnificent 8 months off.

[Blissful Biker]

Our drop in investments value was offset by savings and increase in property value, resulting in essentially no change to our net worth.  I'll take that as a win for this year.

[Log]

1/1/2022: -$34k
1/1/2023: -20k, +14k change.

Around 9k of savings and an approximately 5k windfall.

Some 2023 spending is already baked in (flights and lodging for some travel in January, January and February rent already paid), so I could choose to count/not count a few different things to make the number bigger, but I feel like going with the lowball count for whatever reason—maybe just to make 2023 look better? My income should just be going up from here, and I have another (unrelated) 5k windfall pending, so crossing the threshold of positive numbers seems very plausibly within reach in 2023!

[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)
Dec 2022: $894,000.   (+ $106,000)

Ouch, markets hurt this year but real estate did well. Glad to be accumulating during this drawdown!

[2KidFIRE]

EOY Invested Assets
2020 - $3.20M
2021 - $3.96M (+ $760,000)
2022 - $3.14M (-  $820,000)

Ouch.  2022 was not a great year for the markets, obviously, and I've also been on leave from my job since May.  Net Worth would probably look a little better since our house value did go up this year, but still overall I'll be hoping for a better 2023!

[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)
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) 

December 2022:  $742,242  (up $135,578)

The farm got some government funds in a relief program to help with crop losses the last few years, and we were able to apply a decent chunk of them to our loans.  That plus a decent savings rate is the only reason the NW went up this past year. 

[Glenstache]

First year of coasting and still put a healthy % of income into accounts. That didn't make up for the market drops, so still in the red for the year by about 15-20%. Pretty par for the course from what I'm seeing posted above. I'm curious to see what surprises 2023 brings. My crystal ball is hazy, as per usual.

[Gatzbie]

12/31/2017 - $45k
13/31/2018 - $62k
12/31/2019 -- $126,169.78
12/31/2020 -- $214,245.98
12/31/2021 -- $334k
12/31/2022 - $340k

Roughly stayed the same. Stocks down this year. Will keep accumulating.

[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.

In mid-2021 we bought a business so a fair amount of our cash (including cashing out some retirement investments) is now tied up in that. That coincided with leaving a regular job with a 401k so most retirement savings stopped. Cash in the business could get a far higher return than a passive investment in the stock market so we've kept most money in the business instead of pulling it out to put into retirement savings. The first number is just cash (checking/savings) and investments in retirement accounts (no real estate, not counting value of vehicles, etc.).

2018 - $65k
2019 - $92k (+$27k +42%)
2020 - $146k (+$54k +59%)
2021 - $149k (with business equity - $243k)
2022 - $131k (with business equity - $252k)

[AJDZee]

In 2022, down about 0.3% from a year ago, despite contributing ~10% of my portfolio's worth over those 12 months


2016-- $125k
2017-- $182k
2018-- $233k
2019-- $280k
2020-- $326k
2021-- $453k
2022-- $451k

[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!

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
End of 2022: 478K -- Decrease of 15K or 3%.

So while we still put plenty into the markets this year, savings went from 383K to 326K. Oof, our first down year since I started tracking NW and Retirement assets. Oh well, we still ended the year with less debt than last year, and we'll march on. Maybe if we're lucky we'll cross the 500K mark this year.

[Nate R]

* 2021 - 102% <--- FIREd late December
* 2022 - 81% <--- back to work in September


We found out something important this year. When we have nothing but time, we like to do more things, and those things cost more money than we thought they would. So I think rather than a "get us the hell out of here Lean-FIRE" we're going to pad things a bit more for round 2. It was a learning lump, but not a horrible one, and hot damn it was a magnificent 8 months off.

I worry a bit we'd find the same....any insight on how to figure that out before pulling the plug on work?

[SaucyAussie]

Single. Chugging along.  I just wish I had started this at 22 instead of 42. 

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
Years to FIRE - 7.51

Theoretically, I could hit $500K by the end of 2018, but would need a lot to go right.

On the bright side, lots of debt eliminated this year - credit cards, student loans, and alimony all down to zero.  This year I'm going to tackle those pesky 401k loans. 

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
Years to FIRE - 6.98

Still single.

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
Years to FIRE - 5.51

I feel like I'm past the halfway mark.

Best year yet! It's starting to feel real...

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
Years to FIRE - 3.95

This year was a tough slog. But overall, zero to a mil in 10 years.

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
2021 - $962K
2022 - $1.02M
Years to FIRE - 1.75

[AJDZee]

Single. Chugging along.  I just wish I had started this at 22 instead of 42. 

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
Years to FIRE - 7.51

Theoretically, I could hit $500K by the end of 2018, but would need a lot to go right.

On the bright side, lots of debt eliminated this year - credit cards, student loans, and alimony all down to zero.  This year I'm going to tackle those pesky 401k loans. 

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
Years to FIRE - 6.98

Still single.

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
Years to FIRE - 5.51

I feel like I'm past the halfway mark.

Best year yet! It's starting to feel real...

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
Years to FIRE - 3.95

This year was a tough slog. But overall, zero to a mil in 10 years.

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
2021 - $962K
2022 - $1.02M
Years to FIRE - 1.75

Congrats on the big milestone! That's impressive to attain that in a year like this.

[ATtiny85]

We did our normal household end of year accounting updates over the long weekend.

Investment account total was down 15%, Beardstown accounting. We maxed 401k accounts and have a really nice match at 10% (true up so we get it all even though we max  around Oct). We dumped the normal amount every month into VTSAX, including a couple other baby lump sums in Aug and Dec. We are about 90% equities (with about 15% of that in international) so not too surprising. No changes going forward, though at some point we will develop an RE plan of where we want our AA to be when we say bye-bye.

If we include things for normal net worth, I suspect we would be down about the same, but I never include our house (we move too often...)

[dandarc]

Dec 2013 - $210K
Dec 2014 - $327K
Dec 2015 - $422K
Dec 2016 - $523K
Feb 2018 - $643K
Jan 2019 - $666K
Jan 2020 - $851K
Jan 2021 - $1,061K
Jan 2022 - $1,274K
Jan 2023 - $1,066K

Woof. Cut back to about 60% time working in 2021, so there isn't near as much upward pressure on the NW as there used to be.

[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!

Jan 1, 2023 - NW $860k (down $32k)

Not a great year for us, but it definitely could be worse!

[Holocene]

EOY
2013: 154k
2014: 222k
2015: 275k
2016: 366k
2017: 483k
2018: 712k
2019: 974k
2020: 1.2M
2021: 1.51M
2022: 1.27M

My first year where my net worth went down (-$240k).  This doesn't include home equity, but I think that was pretty even or slightly down this year according to Zillow.  It shot up in the middle of the year but I think interest rates have brought prices down in the last few months.  I didn't save much this year due to taking half the year off and switching to part-time, so I couldn't come close to outrunning the bear market.  Still feeling good.  Bring on the recession!

[AccidentialMustache]

Down 16% in 2022. 2021 was up 46%.

It'd look better if we weren't paying uncle sam too many dollars this year (like... way too many dollars) to ensure we'd hit safe harbor if my RSUs were worth this year what they were last year. At one point the stock was worth about 5% of 2021 share price, so... yeah. Way way way too many dollars to the fed. We'll get them back in April at least.

Does not include any housing appreciation, because zillow isn't accurate enough to be relevant to major life decisions, like "can we FIRE?"

[clarkfan1979]

Dec 2011 - 30K
Dec 2012 - 90K
Dec 2013 - 155K
Dec 2014 - 232K (Found MMM in Feb)
Dec 2015 - 352K (Wife transitioned to part-time work in May)
Dec 2016 - 441K
Dec 2017 - 510K (child born in May)
Dec 2018 - 600K
Dec 2019 - 708K
Dec 2020 - 938K
Dec 2021 - 1223K
Dec 2022 - 1516K*

*If I deduct 7% for transaction costs for selling real estate, my actual number is 1355K. When I originally created my net worth spread sheet many years ago I didn't calculate the transaction costs of selling off the real estate because the number was relatively small. Now that number is bigger, so I try to include it into my calculations going forward.

200K in retirement accounts
1300K equity on 2400K of real estate (54% equity)
40K of cash
24K of student loans

Because most of my gains are in real estate, I feel like my gain in 2021 should be bigger than 2022. When I look at my spread sheet, they are very similar (around 285K). I think it is possible that I might have underestimated gains in 2021, which then led over estimations for 2022. I'm confident in my current appraisals of sales price. However, it's been difficult to keep it accurate month to month over the past two years.

Present to myself: My favorite hobby is snowboarding and I normally buy a Vail Resorts Epic Pass ($630). In 2022, I treated myself to a 2nd season pass to Monarch Mountain ($469). With the Monarch pass, I get 3 free days at 20 partner resorts. I'm trying to hit a new resort every year. For 2023, I will be adding a golfing pass for $550.   

[ATtiny85]

Down 16% in 2022. 2021 was up 46%.

It'd look better if we weren't paying uncle sam too many dollars this year (like... way too many dollars) to ensure we'd hit safe harbor if my RSUs were worth this year what they were last year. At one point the stock was worth about 5% of 2021 share price, so... yeah. Way way way too many dollars to the fed. We'll get them back in April at least.

Does not include any housing appreciation, because zillow isn't accurate enough to be relevant to major life decisions, like "can we FIRE?"

Yeah, we should end up with way too large of a refund this year. We had back to back years with relocations which always throw our taxes for a large loop, so I had a large amount of additional withholding all year, just in case we had to pack again in 22. We didn't. Capital distributions from a legacy fund in taxable also was much lower in 22 ($2k versus $12k+ the last couple years, adding to the tax burden).

There are worse problems for sure.

[OttawaNeal]

Dec 2017 - 543K
Dec 2018 - 604K
Dec 2019 - 802K
Dec 2020 - 897K
Dec 2021 - 1.18M
Dec 2022 - 1.10M

[vand]

Stripping out the noise - 3 years' of progress.
Not my real numbers, but not far off.

[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.

12/22 $2.85 I'm not sure how we managed to go up other than one kid didn't go to college in the fall, one kid graduated in June and is now paying us rent $, and we have more real estate and conservative investments than most others on the forum.  DH is still working, and I will go back to work PT again in April 2023 so we may only have to work 2 more years?  DH says he's never retiring now, but who knows. He might want to start his own company.  His new company is going well, but it's crazy hours!  2023 will be a year of "enough". I need to work so I can afford a loan to bridge my access to the 401(k) $ from my employer while we build a house (or 6).

[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)
12/21: $266k (+$74k)
12/22: $274k (+$8k)

I invested just under $40k of my earnings this year, and the market ate it all and then some. The only reason my total net worth is up for the year is that I got an additional $30k windfall in November.

[AJDZee]

*Years with +20% returns*
"I'm such a good investor. I should be able to hit FI earlier than I thought because I'm a badass genius :D"

*Years with -15% return*
"well this isn't representative of a typical year, so it doesn't really count..."

A few of my friends (not on this forum, but still self-directed investors) we'd talk a lot about the market through 2020 & 2021, and everyone is patting themselves on the back.
This year I'm getting a lot of 'I dunno, I'm not really checking my portfolio'   lol

Just an observation of human nature...

[The Beebsta]

Hey everyone! This is my first post to the forum. I've lurked for maybe close to 5 years but finally pulled the trigger on actually creating an account to post. I love seeing the annual updates so figured this was a great place for me to join in. I started tracking wealth in 2012 when we bought our first home. All values are in AUD and include the value of our PPOR (which makes up 45% of our assets and net wealth as we are in a major Australian city). Forgive me if the formatting doesn't work, I haven't figured it out yet.
Year     Net Assets  Movement
2012    $440k   
2013    $585k        $145k
2014    $791k        $206k
2015    $788k        $(3)k (sold first home and bought second home/PPOR. Paid roughly $100k in transaction costs)
2016   $1,039k      $251k
2017   $1,304k      $265k
2018   $1,343k      $ 39k (major house renovation when house values were decreasing)
2019   $1,626k      $283k
2020   $1,831k      $205k
2021   $2,480k      $650k (insane house price and share market increases)
So many life events are represented here over the last 10 years. Here's a summary of just a few of the highlights:
We sold our first home (a 3 bedroom townhouse in a very fancy suburb) and bought what could be a forever home (4 bedroom + large yard house in a slightly less fancy but still very nice neighbourhood).
We went from a single income household to a double income household paying childcare to not paying childcare.
Spouse hit a major career milestone that came with a significant pay increase.
Bought an investment property.
Started making monthly contributions to investment portfolio.
Started maxing out our superannuation contributions.
I was made redundant and started my own consulting business.
My spouse left their high paying job to join me in the consulting business.

I am fully expecting to go backwards next year because 2021 was so good financially, and with both of us working in the new business we don't have any guaranteed income which is slightly scary but we are working hard to make it a success.

So I don't post much (at all) on these forums, but I'm a regular reader. As I posted our net worth update last year when it was a crazy good year, I felt it was only fair to come back and post again in a down year.

Year     Net Assets  Movement
2012    $440k   
2013    $585k        $145k
2014    $791k        $206k
2015    $788k        $(3)k (sold first home and bought second home/PPOR. Paid roughly $100k in transaction costs)
2016   $1,039k      $251k
2017   $1,304k      $265k
2018   $1,343k      $ 39k (major house renovation when house values were decreasing)
2019   $1,626k      $283k
2020   $1,831k      $205k
2021   $2,480k      $650k (insane house price and share market increases)
2022   $2,287k      $(193)k  (single income and house and share market decreases)

As expected, our net worth reduced in 2022. We anticipated this due to spouse leaving a crazy high income job to start a business. It was originally going to be a consulting business but we made a pivot to create a SaaS business and have invested the last year in designing and developing the software. We will do closed group beta testing in Q1 2023 with a launch in Q2. We don't expect much in the way of income from the SaaS business in 2023 but would like to see evidence that the market is out there and they can find and want to use our solution. I took on a 6 month contract role mid-year to give us some stability of income. My contract position has been extended to October 2023, so we have some certainty of income but being contract all it takes is 1 week's notice and I'm out. The asset levels we have built up over the last decade have allowed us to take this risk. Worst case scenario is we both keep working longer. Onwards and upwards.

My 2023 financial goals are to increase Net worth by $250k+ and to have a household gross income (incl. business net profits before tax) of $400k+.

[Gerard]

*Years with +20% returns*
"I'm such a good investor. I should be able to hit FI earlier than I thought because I'm a badass genius :D"

*Years with -15% return*
"well this isn't representative of a typical year, so it doesn't really count..."

A few of my friends (not on this forum, but still self-directed investors) we'd talk a lot about the market through 2020 & 2021, and everyone is patting themselves on the back.
This year I'm getting a lot of 'I dunno, I'm not really checking my portfolio'   lol

Just an observation of human nature...

Hey! How can you see me through the internet?

[AJDZee]

*Years with +20% returns*
"I'm such a good investor. I should be able to hit FI earlier than I thought because I'm a badass genius :D"

*Years with -15% return*
"well this isn't representative of a typical year, so it doesn't really count..."

A few of my friends (not on this forum, but still self-directed investors) we'd talk a lot about the market through 2020 & 2021, and everyone is patting themselves on the back.
This year I'm getting a lot of 'I dunno, I'm not really checking my portfolio'   lol

Just an observation of human nature...

Hey! How can you see me through the internet?

haha  well almost by definition anyone on this thread isn't part of those who are ignoring the downs :p

[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

2022 - $2,143k

Never in my dreams did I think I'd get here. But here we are. It's nice to see many of you "old timers" from the early days of MMM still updating here too. I haven't been around much lately, I guess the "vibe" of FIRE hasn't resonated for a while. The whole concept has been bastardised... all I see in online blogs and facebook groups is people asking "I want to be rich and retire ASAP". There's no purpose or meaning behind it anymore, and there's no MMM to punch people in the face.

I'm definitely spending more, eating out a bit more, splurging on business class flights (dear god, what have I become). You would think running is a cheap hobby, but nooooo it comes with shoes every few months, destination events, garmins and gear, gels and hydralyte... on it goes. It makes me happy, so I don't care burning $$$ on it.

In an inflationary environment I'm also ok with spending a bit more now before stuff gets more expensive tomorrow. That's why we have a stash... for cost of living "crises" like now :)

Who knows what 2023 will bring...Maybe Aussie stocks will outperform again due to the effect of higher interest rates fattening our banking sector profits which still make up a huge proportion of our sharemarket index. Or those same interest rate rises tank the economy and plunge the markets further.

Anyway, it will be faced with a stash big enough to deal with it. I'd rather be in my spot in times like these than those with $2 to their name.

[EscapeVelocity2020]

...
2022 - $2,143k

Never in my dreams did I think I'd get here. But here we are. It's nice to see many of you "old timers" from the early days of MMM still updating here too. I haven't been around much lately, I guess the "vibe" of FIRE hasn't resonated for a while. The whole concept has been bastardised... all I see in online blogs and facebook groups is people asking "I want to be rich and retire ASAP". There's no purpose or meaning behind it anymore, and there's no MMM to punch people in the face.

I'm definitely spending more, eating out a bit more, splurging on business class flights (dear god, what have I become). You would think running is a cheap hobby, but nooooo it comes with shoes every few months, destination events, garmins and gear, gels and hydralyte... on it goes. It makes me happy, so I don't care burning $$$ on it.
...

Let me be the first to formally invite you to the country club thread!  Your custom jacket and accoutrements are in the mail ;)

[Gingersnaps]

Slowest year so far but grateful for what we have given I was on maternity leave for half the year and now have a hefty childcare bill

Jan 2020: £91,386.49
Jan 2021: £188,852.81
Jan 2022: £311,227.59
Jan 2023: £351,522.20

[marty998]

...
2022 - $2,143k

Never in my dreams did I think I'd get here. But here we are. It's nice to see many of you "old timers" from the early days of MMM still updating here too. I haven't been around much lately, I guess the "vibe" of FIRE hasn't resonated for a while. The whole concept has been bastardised... all I see in online blogs and facebook groups is people asking "I want to be rich and retire ASAP". There's no purpose or meaning behind it anymore, and there's no MMM to punch people in the face.

I'm definitely spending more, eating out a bit more, splurging on business class flights (dear god, what have I become). You would think running is a cheap hobby, but nooooo it comes with shoes every few months, destination events, garmins and gear, gels and hydralyte... on it goes. It makes me happy, so I don't care burning $$$ on it.
...

Let me be the first to formally invite you to the country club thread!  Your custom jacket and accoutrements are in the mail ;)

I'm one of those people now am I?

Sigh. This place is the bloody Hotel California....Check out any time you want but you can never leave  ;)

[londonbanker]

Although it didn’t start very well in the first part of the year, I finished strong in 2022…

+ £411k YoY or a 13.5%

4Q12 - £210k
4Q13 - £616k
4Q14 - £1,019k
4Q15 - £1,285k
4Q16 - £1,509k
4Q17 - £1,738k
4Q18 - £1,915k
4Q19 - £2,275k
4Q20 - £2,580k
4Q21 - £3,033k
4Q22 - £3,444k

Despite the market downturn in 2022, our investments have done well as I had rebalanced my portfolio towards the FTSE100 (which finished up 3% in 2022) and had also heavily invested in Big Oil and Commodities when they bottomed out during covid (and held up until now). This was an educated decision but let’s face also very lucky one.

[AJDZee]

Although it didn’t start very well in the first part of the year, I finished strong in 2022…

+ £411k YoY or a 13.5%

4Q12 - £210k
4Q13 - £616k
4Q14 - £1,019k
4Q15 - £1,285k
4Q16 - £1,509k
4Q17 - £1,738k
4Q18 - £1,915k
4Q19 - £2,275k
4Q20 - £2,580k
4Q21 - £3,033k
4Q22 - £3,444k

Despite the market downturn in 2022, our investments have done well as I had rebalanced my portfolio towards the FTSE100 (which finished up 3% in 2022) and had also heavily invested in Big Oil and Commodities when they bottomed out during covid (and held up until now). This was an educated decision but let’s face also very lucky one.

I think you won 2022. :)

[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)
31 Dec 2021: $1,135,245  (Δ $220,365)

31 Dec 2022:  $1,017,095  (Δ -118,150).  I saved $19,777, and the rest was market adjustment ;)

At one point I was down $200k. It was all very fascinating to watch. I'm still inside those golden handcuffs, but I'm now 1500 days (50 months) from the trigger date for my cliff pension and things are starting to feel a lot more real. Just gotta keep my nose clean, and not crash a ship of the line into anything it's not ordered to crash into. Easy!

[marty998]

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)
31 Dec 2021: $1,135,245  (Δ $220,365)

31 Dec 2022:  $1,017,095  (Δ -118,150).  I saved $19,777, and the rest was market adjustment ;)

At one point I was down $200k. It was all very fascinating to watch. I'm still inside those golden handcuffs, but I'm now 1500 days (50 months) from the trigger date for my cliff pension and things are starting to feel a lot more real. Just gotta keep my nose clean, and not crash a ship of the line into anything it's not ordered to crash into. Easy!

If you draw a line from the start of the pandemic to now, you're up $300k, or 43% in three years. Amazing!

[Must_ache]

After a strong rise the last 3-4 years, my net worth went from about $1.3M to $1.15M.  I'm hoping to go part time in 5 years and retire in 8 and I'd rather have the market drop now and watch my assets tumble some and feel like the market is at a reasonable valuation when I retire rather than getting out when it feels like it's at the top and worried it's going to come crashing down.

[mbk]

NW
----
12/31/2022: $637k.
12/31/2021: $633k
Difference of $4k

Retirement Contributions $31k. Sold 2 homes and bought a house. The transaction costs ate away a good chunk of profits and the difference is plowed into 529 savings. The rest is the market adjustment.

[iris lily]

For the first year in a while, we are down. Around 7%.

[Loren Ver]

We are down 35.6% from EOY 2021.  Most of that is from the market, a small portion is from taking out money to live on and  capital gains/dividends paying out. 

We don't count house or other goods in our net worth, only investments vehicles. 

We are still well above our 2019 retirement numbers and are happily floating along on our retirement barge of enjoyment and new opportunities. 

Loren

[Omy]

We are only down 9% in 2022. We are still up over 20% since retiring in 2019...so no complaints.

[Travis]

JAN 2014 - $364k (owned a truck, a garage full of "stuff," investments were fairly conservative and spread across 30 high fee funds. And half that $364k was cash!
DEC 2014 - $458k (sold truck, sold stuff, started Roth IRA for DW, got into Vanguard with a much more aggressive AA, deployed and came close to maxing the extended TSP limit)

DEC 2015 - $525k give or take what happens next week.  This year was fairly straightforward as far as AA and contributions go so my NW increase was pretty much what I put in to it since I had zero growth.

DEC 2016 - $650k. So around a $125k increase, and $72k of that is contributions.

As of 1 Dec, $850k.  $200k increase, $71k in contributions. Compounding for the win.

As of 27 Dec close, $866k after $76k in contributions.  A more or less down year like a lot of folks, but I still ended the year up based on our savings rate.  On a different forum somebody remarked "OMG, I lost $100k in net worth this year...OMG, my net worth is high enough that I have $100k to lose!"  It's definitely a good way of looking at how the market went this year.

As of 28 DEC: $1,208,000. $90,500 in contributions.

Reporting a little early this year. 20 DEC: $1,507,000. $89,000 in contributions.  $1,600,000 is on the higher scale of my FIRE target, and still have three more years until retirement.

$1,972,000. So close to the $2MM club. $98,500 in contributions. The difference in contributions was COVID stimulus. Our spending stayed pretty flat YoY.

Whoops, forgot to update this (wonder why).

$1,708,000 (1 Jan). $82,500 in contributions. I'm keeping some cash on hand because I might be buying a car in a few months and moving again this summer.