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

[rebel_quietude]

$329,837

That's insane. $81,301 in contributions (I got a retention bonus this year), and a 48% savings rate.

My favorite thing about this is that after a few years, you get to build some really pretty graphs that show this shit works.

For example:

[JupiterGreen]

$329,837

That's insane. $81,301 in contributions (I got a retention bonus this year), and a 48% savings rate.

My favorite thing about this is that after a few years, you get to build some really pretty graphs that show this shit works.

For example:

Wow those are some nice graphs!

[The Beebsta]

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

December 30, 2023 - NW $1.057M (increase $197k)

Congratulations on cracking the $1m mark @startingsmall, that’s a huge milestone.

[Wintergreen78]

2021: $981k
2022: $1,141k
2023: $1,016k
2024: $1,273k

It has been an interesting few years. I’m currently at ~9% bonds, 14% international index, 15% small/mid cap index, 8% cds/cash, and 54% sp500. I haven’t done a detailed check, but I expect this mix has done poorly compared to an 80/20 sp500/bonds portfolio. Still, it was nice to see the bounce back this year.

The cds/cash is because I’ve been looking and thinking about buying a house for the last few years. Still renting, but I’m starting to see more places that look appealing, so 2024 may be the year I finally pull the trigger on buying.

[YellowCat]

Dec 2019: $1,030,547
Dec 2020: $1,355,244
Dec 2021: $1,778,865
May 2023: $1,900,474
Dec 2023: $2,209,008

What a year! The money is just multiplying in the corners when we’re not watching!

[iris lily]

Gain in 2023 was $200,000 and I am thrilled because I did not expect that, for several reasons.

[SpareChange]

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

Up $153,022 for the year. My largest calendar increase to date!

Miscellaneous tidbits:

Income: $85,652.10
Spend: $22,869.15 (excluding taxes)
Avg 30hr/wk at work.
61.4% gross SR
69.7% net SR
Earnings should add about $54/mon to FRA SS.

Great year. Hope it carries into the new one.

[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)
12/23: $358k (+$84k)

I invested just under $42k of my earnings this year. Very cool to see the market making me as much as I saved.

[Log]

From January 1st '23 to January 1st '24, my NW went up by $24k, and crossed from negative into solidly positive!

I can't really take too much of the credit - my last remaining grandparents (one on each side) passed away. One left all the grandkids cash, the other left everything to my parents' generation and nothing to grandkids, but my parents passed some of it down to us as gifts. Inheritance totaled $14k, so that's a majority of the overall gain.

Income should be going up this year, so hopefully I can keep this up and surpass it without further such windfalls, especially as my investments gain momentum.

[iris lily]

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

Up $153,022 for the year. My largest calendar increase to date!

Miscellaneous tidbits:

Income: $85,652.10
Spend: $22,869.15 (excluding taxes)
Avg 30hr/wk at work.
61.4% gross SR
69.7% net SR
Earnings should add about $54/mon to FRA SS.

Great year. Hope it carries into the new one.

Look at that 10 year progress!!!!!

[Longwaytogo]

ALL NW numbers exclude house value (house is paid off)
End 2013: about $822000
End 2014: about $1015000 -> Change: about $193000
    Finally did some work to update my tracking sheets I just started this year. The above does not include house in the total
12/6/16: about $1,125,000
FIREd 7/2/2015
12/20/16: about $1,150,000
12/30/17: about $1,333,000  - Using the actual numbers - up about $184K in 2017
12/31/18: about 1,260,000 - DOWN about $73K in 2018
12/19/19: about 1,600,000* - UP about $340K* (amplified by the dip at the end of 2018)
UP about $510K* since retiring.
**12/31/19: about $1,620,000 - crazy.
** updated due to market move. And I discovered an error in my spreadsheet such that one account wasn’t included in my total.
1/1/2021: $1,933,000 - WUT? 
-  Up about $313K
-  Up over $820K since retiring 7/2015

UPDATE 2021:
  Well, the market giveth, and the market GIVETH EVEN MORE!
12/31/21: : $2,317,000 - UP $384K.  Money has more than doubled since I have retired.  Go little green soldiers, GO!

2022 place marker. Well, apparently I never summed up EOY 2022 NW.  Pretty sure I was down about $30-35K, nothing frightening.

UPDATE 2023:
12/31/23 : $2415780 - UP about $98K.  Go go gadget money!

Kicking butts and taking names G-dog!!!  Time to start planning some fancy vacations (;

[Longwaytogo]

Dec 31, 2012  -($33,302)
Dec 31, 2013 -($20,162)    +13,140
Dec 31, 2014    $15,333      +35,495
Dec 31, 2015    $38,330     +22,997
Dec 31, 2016    $62,995     +24,665
Dec 31, 2017   $106,827     +43,833
Dec 31, 2018    $138,312    +31,484
Dec 31, 2019   $196,500     +58,189
Dec 29, 2020  $254,500      +58,000

Dec 28, 2021 - $327,000    +72,500

Looks like I forgot to update last year but it was our first down year in a while I guess due to market and spending. Back in the black this year (though not back to all time high) still crawling along compared to most....My Wife is in year 19 towards her 30 for her Gov't pension which is a big part of our plan though and not reflected in these NW numbers. Happy New Year MMM-ers!

Dec 31, 2022 - $270,900  -(56,100)
Dec 31, 2023 - $314,650  +43,750

[Rubyvroom]

* 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
* 2023 - 106% <--- re-FIREd mid December

We technically stuck to our plan. Markets were down and spending was up immediately after retiring in 2021, so we course corrected and reentered the workforce to provide cushion to the stash to avoid too bumpy of a start. We're once again retired and decompressing. The reduction in stress was immediate, and now that we're through the holidays and have the whole new year at our fingertips... it's a great feeling. Happy new year all!

[onecoolcat]

Excluding paid for home and spouse's assets:

1/1/2015 - ($62,000)
1/1/2016 - ($11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66 (-4.76%)
1/1/2020 - $182,677.98 (+82.68%)
1/1/2021 - $364,367.91 (+99.46)
1/1/2022 - $692,149.26  (+89.96%)
1/1/2023 - $501,248.42 (-27.58%)

Two record setting years in a row for me.  I liked the last one a bit more though. 

Bitcoin giveth and taketh away.

1/1/2015 - ($62,000)
1/1/2016 - ($11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66 (-4.76%)
1/1/2020 - $182,677.98 (+82.68%)
1/1/2021 - $364,367.91 (+99.46)
1/1/2022 - $692,149.26  (+89.96%)
1/1/2023 - $501,248.42 (-27.58%)
1/1/2024 - $804,238.71 (+60.52%)

And Bitcoin giveth again.  Combined with spouse, and including our home, we are at $1.6m.

[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 after buying a farm.
December 2021:  $606,664  (up $214,413) 

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

Continued farm loan paydowns.  The government did an "Emergency Relief Program" for many farmers due to how rough 2020 and 2021 were, so 2022 had literally over $100,000 fall out of the sky.  We were able to use that money to pay down farm loans, which account for the entirety of the net worth increase.  The markets decrease outpaced what we were saving.

December 2023:  $936,189 (up $193,947)

$70,000 of the increase was from market gains, $50,000 was from savings, $47,000 was from farm loan paydowns, and I'm honestly not sure where the rest came from lol.  We are officially at the point where investments and the farm determine our net worth situation, and our savings do very little.  It's also weird that there's a decent chance that we will become millionaires in 2024.  Woahhh. 

We have now been living together for a decade, and are coming up on a decade married.  It's wild to go back and remember those earlier years when we were paying down student loans and saving up for a farm down payment.  We were throwing so much into savings/at debt each month, and our budget tradeoffs were discussed and important.  Now we save significantly less per month in our monthly budget (savings come from bonus, farm, other stuff), and the budget is important but not like it used to be.  And now we're just sitting and watching all those little green dollars work for us! 

[2KidFIRE]

EOY Invested Assets
2020 - $3.20M
2021 - $3.96M (+ $760,000)
2022 - $3.14M (-  $820,000)
2023 - $3.84M (+ $700,000)

Clearly 2023 was a much better year for us (and for many) than 2022.  Thanks to the market we made back almost everything we lost in 2022.  I also returned to work in March and my wife got a new job in July, so we've been slowly contributing to our 401k's and other savings accounts.  Here's to another solid year in 2024!

[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)
Dec 2023: $1,075,000   (+ $181,000)

[waltworks]

I'm posting this for my own records as much as anything... great to see everyone's progress!

I'm not including either primary home or rental RE as I'm not sure how to value it properly over time.

2013 and earlier - lost in the mists of time, but basically broke grad students, though in 2010 we did manage to pay off our $150k condo. No real investing until 2014 as we were mostly unaware of how to go about it.

2014  $27k  - DW finishes postdoc and promptly retires after a 2 year academic career. Kid #2 born.
2015  $71k
2016  $219k
2017  $254k
2018  $381k
2019  $365k  - Move to a new neighborhood, Kid #3 born.
2020  $401k
2021  $569k
2022  $773k  - I "retire" as well to 1 day/week or so of work, move to a new state.
2023  $887k  - watch money continue to pile up, ponder where to settle permanently due to school problems in ski towns.

It will be interesting to see what 2024 brings!

-W

[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
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.

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
End of 2023: 621K -- Increase of 143K or 30%!    Retirement savings went from 326K to 443k! A good increase, as we were at 383K at the end of 2021.

Recovered from 2022. Plowed more into the market AND paid off a tad more debt. Very happy with the progress this year.

2024: We're pulling back contributions somewhat to pay off some more debt with a shakier job situation for me. (I have an outstanding 401k loan I want to pay off... from buying our house 10 years ago when we were lied to about down payment requirements.)
We'll keep chugging a steady one, and see if the markets stay on our side this year!

-Nate

[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).

12/23 $3.11- 1.5 kids in out-of-state college (one started in 6/23, and one went only 2 quarters). I brought in $47K after tax with my part-time employer, which was exactly the tuition costs of 2023! The last of DH’s prior employer money came through in vesting in December, so we include that $ in our net worth now. (I didn’t want to count the chicken before it hatched. Another person had theirs pulled in 2022, so I was nervous since we weee using that money for tuition.)

We will see how March bonuses for DH look and try to decide if I should do OMY of part time (not as fun as it should have been), and move on to phase 2 of the permit process on our future home(s).

[mbk]

NW
----
12/31/2021: $633k
12/31/2022: $637k
12/31/2023: $870k
----------------------
 Last year, my net worth increased by $233k. I contributed 41k to retirement and other savings accounts, and paid down $25k in mortgage and credit card debt. The rest is market gains and appreciation in home values. Equity in houses is $250k and the liquid savings are at $620k. I am not including the 30k I paid on car loan in these numbers.

Goals for 2024:
----------------
1) $700k in retirement, 529, and HSA savings
2) Pay off and not renew (0 APR) credit card balances.
3) Pay off one car note.
4) $100k in cash savings
5) Hit $1 million in NW milestone (If 1 and 4 happen, this is automatic)

[Exflyboy]

Jan 2014...$1300k approx... I retired, for the first time..:)
Jan 2015..$ No data
Jan 2016..$ no data
Jan 2017.. $1707k
Jan 2018...$1900k
Jan 2019...$2020k approx
Jan 2020...$2295k
Jan 2021...$2636k
Jan 2022...$3096k
Jan 2023...$ duh?
Jan 2024...$3125k

These figures do not count other income sources such as rent or pensions. House is also paid off.

[evanc]

Thanks for all the inspiration!

After doing the annual NW review, discovered that during the six years between 2017 and 2023, NW increased 1 million dollars (/Dr Evil Voice)

Not too shabby. It's amazing how much you can save and invest once you are free of debt.

[Exflyboy]

Thanks for all the inspiration!

After doing the annual NW review, discovered that during the six years between 2017 and 2023, NW increased 1 million dollars (/Dr Evil Voice)

Not too shabby. It's amazing how much you can save and invest once you are free of debt.

One MeLL...EON dollars..:)

Yup its called "surfing ahead of the wave".. I.e it pushes you along rather than holding you back.

[RWD]

Thanks for all the inspiration!

After doing the annual NW review, discovered that during the six years between 2017 and 2023, NW increased 1 million dollars (/Dr Evil Voice)

Not too shabby. It's amazing how much you can save and invest once you are free of debt.

Oh wow, same here!

[OttawaNeal]

Jan 2018:  543K
Jan 2019:  605K
Jan 2020:  802K
Jan 2021:  897K
Jan 2022:  1.18M
Jan 2023:  1.10M
Jan 2024:  1.33M

[Mississippi Mudstache]

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%
2019    $255,000     $273,000      $18,000        7%
2020    $273,000     $373,000     $100,000     36%
2021    $373,000     $640,000     $235,000      71%
2022    $640,000     $638,700       -$1,300     -0.2%
2023    $638,700      $905,900    $267,200       42%

Holy shit. 2023 was a wild ride. I've been tracking my NW since 2013, and last year was the largest total gain, and third largest percentage gain, since we've been tracking. We're up over a quarter million since 2022. Getting pretty close to millionaire status. All of that after 2022 was the first year that our net worth didn't increase in a decade. We stayed stagnant for the year as market loses ate up every dollar we saved and then some.

Breakdown of the net worth gains:

• Retirement accounts: +$92,000
• Sold our old home: +$33,000
• Timberland investment +$41,000 (unrealized gains - we still own the timberland but the local real estate market is hot):
• Built a new house: +$100,000

The last one may come across as a surprise, since it's usually more expensive to build new than to buy existing. But we paid a total of $460,000 for a house that appraises for $560,000+. This is partly due to the insane housing market, and partly due to the fact that I did a significant amount of the work myself, including building all of the cabinetry, making and installing all of the hardwood flooring and entry doors, and all of the landscaping and concrete walkways.

Anyway, the home value doesn't really figure into our retirement numbers. I am in favor of selling the home and downsizing once all of our kids are out of college, but it will take a lot of convincing to get my wife to want to move. For now, I'm happy with my career and plenty satisfied to let the investments keep rolling until we're empty-nesters. I was miserable at work when I first started following MMM, but I made some big changes and now I couldn't be happier with my work situation. Life is good.

[SDF]

1/1/2019 ~ $154,000 (+$28,000)
1/1/2020 ~ $241,000 (+$87,000)
1/1/2021 ~ $336,000 (+$95,000)

Um, wow. Astounding to me, seeing back to back years with increases that eclipse my balance from just four short years ago. Almost half of the increase is contributions still, but that means that over half of the increase was the market at work, which, again...wow.

Overdue for an update...

1/1/2017 ~ $70,000
1/1/2018 ~ $126,000 (+$56,000)
1/1/2019 ~ $154,000 (+$28,000)
1/1/2020 ~ $241,000 (+$87,000)
1/1/2021 ~ $336,000 (+$95,000)
1/1/2022 ~ $445,000 (+$109,000)
1/1/2023 ~ $417,000 (-$28,000)

Despite the drop, still happy to be up almost $100k compared to 2 years ago, and continuing to max out contributions. Looking at my balances last week, I was actually a hair above my 1/1/2022 number, so hopefully 1/1/2024 will show a new high-water mark!

1/1/2017 ~ $70,000
1/1/2018 ~ $126,000 (+$56,000)
1/1/2019 ~ $154,000 (+$28,000)
1/1/2020 ~ $241,000 (+$87,000)
1/1/2021 ~ $336,000 (+$95,000)
1/1/2022 ~ $445,000 (+$109,000)
1/1/2023 ~ $417,000 (-$28,000)
1/1/2024 ~ $568,000 (+$151,000)

What a year it's been!

[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

Nice comeback this year. Time to shift into cruise control...

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
2021 - $962K
2022 - $1.02M
2023 - $1.25M
Years to FIRE - 0.07

0 to 1.5M in 12 years, it can be done, all you need is a 30% savings rate and an unprecedented red hot extended bull run!  Ideally this will be my last update as I fade off into the retirement sunset and forget about you all.  It's been fun!

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
2021 - $962K
2022 - $1.02M
2023 - $1.25M
2024 - $1.50M
Years to FIRE - 0.00

[G-dog]

Congratulations on reaching ZERO (years to FIRE)!

[Glenstache]

0 to 1.5M in 12 years, it can be done, all you need is a 30% savings rate and an unprecedented red hot extended bull run!  Ideally this will be my last update as I fade off into the retirement sunset and forget about you all.  It's been fun!

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
2021 - $962K
2022 - $1.02M
2023 - $1.25M
2024 - $1.50M
Years to FIRE - 0.00

Nicely done!

[Longwaytogo]

Dec 31, 2012  -($33,302)
Dec 31, 2013 -($20,162)    +13,140
Dec 31, 2014    $15,333      +35,495
Dec 31, 2015    $38,330     +22,997
Dec 31, 2016    $62,995     +24,665
Dec 31, 2017   $106,827     +43,833
Dec 31, 2018    $138,312    +31,484
Dec 31, 2019   $196,500     +58,189
Dec 29, 2020  $254,500      +58,000
Dec 28, 2021 - $327,000    +72,500
Dec 31, 2022 - $270,900  -(56,100)
Dec 31, 2023 - $314,650  +43,750

Dec 31, 2024 - $403,700  +$89,050

Biggest increase yet, in part due to a subjective $50K increase to my home value. Also screwed up and added a BUNCH of consumer debt. But the strong markets and our contributions still resulted in a good year.

Goal for 2025 is to focus more on debt and slow down on retirement savings for a bit. Topped $300K invested though so hopefully the market can do some work for us :)

[2KidFIRE]

EOY Invested Assets
2020 - $3.20M
2021 - $3.96M (+ $760,000) (23.75%)
2022 - $3.14M (-  $820,000) (-20.71%)
2023 - $3.84M (+ $700,000) (22.29%)
2024 - $4.53M (+ $690,000) (17.97%)

Three years later and we've finally passed our previous high-point at the end of 2021!  Markets continue to rip, and while we've re-allocated a good chunk of cash to safer investments, we're still probably too heavily invested in the stock market.  While this year that clearly had a positive outcome, we'll likely look to continue de-risking in 2025.

[waltworks]

2013 and earlier - lost in the mists of time, but basically broke grad students, though in 2010 we did manage to pay off our $150k condo. No real investing until 2014 as we were mostly unaware of how to go about it.
2014  $27k  - DW finishes postdoc and promptly retires after a 2 year academic career. Kid #2 born.
2015  $71k
2016  $219k
2017  $254k
2018  $381k
2019  $365k  - Move to a new neighborhood, Kid #3 born.
2020  $401k
2021  $569k
2022  $773k  - I "retire" as well to 1 day/week or so of work, move to a new state.
2023  $887k  - watch money continue to pile up, ponder where to settle permanently due to school problems in ski towns.
2024  $830k  - a drop! But that's because we moved and bought another house into which we put down about $300k on. So now we have way, way too much in RE but c'est la vie.

[onecoolcat]

1/1/2015 - ($62,000)
1/1/2016 - ($11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66 (-4.76%)
1/1/2020 - $182,677.98 (+82.68%)
1/1/2021 - $364,367.91 (+99.46)
1/1/2022 - $692,149.26  (+89.96%)
1/1/2023 - $501,248.42 (-27.58%)
1/1/2024 - $804,238.71 (+60.52%)

1/1/2015 - ($62,000)
1/1/2016 - ($11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66 (-4.76%)
1/1/2020 - $182,677.98 (+82.68%)
1/1/2021 - $364,367.91 (+99.46)
1/1/2022 - $692,149.26  (+89.96%)
1/1/2023 - $501,248.42 (-27.58%)
1/1/2024 - $804,238.71 (+60.52%)
1/1/2025 - $1,132,251.31 (+$328,012.60 or 40.79%)

With spouse's investments we are at >$1.7m.  If Zillow is to be believed, then we are >$2.1m with our home.  Nuts!

[The Beebsta]

Loving everyone’s updates, particularly after such a great year in the markets.

Year     Net Assets  Movement
2012    $440k   
2013    $585k        $145k     +33%
2014    $791k        $206k     +35%
2015    $788k        $(3)k      +0%     (sold first home and bought second home/PPOR. Paid roughly $100k in transaction costs)
2016   $1,039k      $251k     +32%
2017   $1,304k      $265k     +25%
2018   $1,343k      $ 39k      +3%     (major house renovation when house values were decreasing)
2019   $1,626k      $283k     +21%
2020   $1,831k      $205k     +13%
2021   $2,480k      $650k     +35%     (insane COVID house price and share market increases)
2022   $2,287k      $(193)k     -8%     (single income and house and share market decreases)
2023   $2,370k        $83k      +4%     (single income, share market increases, no change to house price)
2024   $2,770k.     $400k.     +17%
All of this is without any savings for the last 3 years, and in fact spending more than we earn.
I am hoping that 2025 is the year we start saving again and not spend more than we earn, ideally while continuing to see capital gains and good returns on our existing investments.

[chasesfish]

Here's a fifteen year recap!

Year  Net Worth   % Gain

2010    $246    
2011    $323      31%
2012    $470      46%
2013    $716      52%
2014    $894      25%
2015     $1,019    14%
2016     $1,208    19%
2017     $1,519    26%
2018     $1,640    8%
2019     $2,046    25%  (FIREy year)
2020     $2,081    2%
2021     $2,655    28%
2022     $2,281    -14%
2023     $2,622    15%
2024     $2,930    12%


2024 was an excellent year, 12% gain with expenses far exceeding cash inflows.   The total gain is behind the market as a good chunk of our net worth is in a free and clear house without any appreciation, which combined with a bond allocation and being a net spender.

[SpareChange]

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

Up $153,022 for the year. My largest calendar increase to date!

Miscellaneous tidbits:

Income: $85,652.10
Spend: $22,869.15 (excluding taxes)
Avg 30hr/wk at work.
61.4% gross SR
69.7% net SR
Earnings should add about $54/mon to FRA SS.

2024: $891,706. Up $152,795 or 20.7%. December ended on a sour market note but no real complaints here. Another great year. Income should drop this year due to the staffing holes I was helping to fill being resolved. 

Parts that made up the engine:
Income: $101,046.62
Spend: $25,523 (excluding taxes)
Avg 34/wk at work.
63.3% gross SR
71.5% net SR

[Log]

+$49k this year—twice what I gained the previous year, and without the gifts/inheritance that padded my numbers that year!

It seems that after a couple years of paying my dues, I have finally achieved career liftoff. Having a proper income sure is nice!

[Turtle]

Finally went back into my easily accessible data to compile the data.  My spouse passed away in early 2022 and I inherited a sizable traditional 401k, so that was added into this year's numbers on the last line.

Historic solo account changes:

2002-2011 - went from nothing to 119,519.  It was in the 30-40K range in 2008 during the housing market crash IIRC.
2012 - up by 63,422
2013-2018 - up by 190,707 - average 31,784 per year, some years less, some more.
2019 - up 142,852
2020 - up 96,800
2021 - up 158,203
2022 - up 55,872 solo accounts only, portfolio was down but I added more money than it lost.

2023 as of market close the Friday before Christmas
Original solo accounts - up 237,870
Combined with inherited account YTD - up 350,923
Amount added this year was 60,585 so the market did most of the lifting.

This year has been wild.  I credit it to continuing to add during market slumps, for extra rebound bounce.

2024 - Up by 337,371
Invested - savings total for this year to $52,541.
Returns - 284,830

Slightly less increase this year than last, but I’ll take it. 

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

December 30, 2023 - NW $1.057M (increase $197k)

Jan 1, 2024: $1.32M (increase $263k)

[iris lily]

Old and retired in flyover country,  here are select numbers

Dec.31, 2014 - $2,154,600

Dec.31, 2015 -year of retirement-$2,150,000

Dec. 31, 2018 -$2,201,000

Dec.31, 2020- $2,942,000

Dec 31 2023 -$3,082,000

Dec.31,2024 - $3,338,000

[McStache]

2013 - $10k?
2014 - $49k
2015 - $101k
2016 - $180k
2017 - $288k
2018 - $318k
2019 - $442k
2020 - $575k
2021 - $775k
2022 - $697k
2023 - $917k
2024 - $1,111k

Net worth is up $194k YoY. Added about $113k, siphoned off about $40k (transaction costs for buying a house), then assets are up about $120k. Joined the two comma club this year! Expenses are rather higher now with the new house, but feels nice to be putting down roots and it comes with lots of projects to putter on, so I'm comfortable with the tradeoff there

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M
2021:  $1.618M
2022:  $1.440M
2023:  $1.910M
2024:  $2.383M

[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?"

I missed the memo last year.

2021: +46%
2022: -16%
2023: +44%
2024: +27%

27% looks a little sad next to 44% in 2023, but it represents nearly the same number of little green soldiers joining my brigade due to the expansion of the denominator in 2024, so... can't complain on that front. I'd planned to FIRE this year, but with the incoming administration, I don't fully trust the state of the ACA or SS to be what our current projections assume. Thus I'm taking a wait-and-see/omy approach. Fat-fire here I come?

[Sugaree]

31% increase, but even more exciting than that is that my net worth increased by 1.4X my gross salary for the year. 

[JAYSLOL]

2024 had my NW go up $111k, first time ever it’s gone up by 6 figures, and considering I don’t even take home 6 figures and only contributed maybe 30-something-k, that’s a pretty amazing year. I’ve decided to use the bump to put a down payment on a house this month. 

[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)
12/23: $358k (+$84k)
12/24: $462k (+$104k)

I only saved $34k this year, so it's kind of wild that my net worth went up by more than my salary (and more than $100k!). Compounding really starting to do the work.

I invested just under $42k of my earnings this year. Very cool to see the market making me as much as I saved.

[StarBright]

We are down about 45k from this same time last year.

We don't count real estate gains in that number though. If we counted house appreciation we'd be up about 50k.

Whoa! we are up 460k since I posted in 2022.

I always feel poor so nice to look at that huge increase! I know we aren't poor by any stretch, but with inflation and kids our initial FIRE number was not realistic so we're still living frugal and just piling up money in 401ks, so it feels poor.

[Mississippi Mudstache]

Year   Ending NW     Change   
2014   $125,000       +$55,000
2015   $133,000       +$8,000
2016   $171,000       +$38,000
2017   $231,000       +$60,000
2018   $255,000       +$24,000
2019   $273,000       +$18,000
2020   $373,000       +$100,000
2021   $640,000       +$235,000
2022   $638,700       -$1,300
2023   $905,900       +$267,200
2024   $1,118,300    +$212,400   

2024 was the third year out of the last four that we saw 200K+ gains in our NW. Pushed us up into the 2-comma club early in the year, and never dipped below. Next big goal is to get $1 million in liquid investments. Stocks account for $675K at the moment, while equity in a timberland investment is valued at $167K. Home equity ($245K) and uninvested cash make up the remainder.