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

[gecko10x]

Just went and figured out this year and last year:

2013 NW increase: $38k
2014 NW increase: $44k
2015 NW increase: ~$59k

It's nice to see the the increases rising!

[marty998]

Come on guys and gals, spill the beans. How well did you do this year...

-55% MOL

(divorce, sigh)

Ouch, sorry to hear that.


Tongue in cheek but judging by some of the stories we hear on this board you're lucky to walk away with 45%. Seems to be that the ex-husband ends up with 20%, ex-wife gets 20% and the lawyers get 60%.

[AlwaysLearningToSave]

Only discovered MMM this year, so I don't have exact numbers, but I feel good because it went from negative to positive!  Probably in the ballpart of $25k increase.  I'll track it in 2016 and expect for it to be a good year!

[CheapskateWife]

Come on guys and gals, spill the beans. How well did you do this year...

-55% MOL

(divorce, sigh)

Ouch, sorry to hear that.


Tongue in cheek but judging by some of the stories we hear on this board you're lucky to walk away with 45%. Seems to be that the ex-husband ends up with 20%, ex-wife gets 20% and the lawyers get 60%.

Amen!  YMMV but I found post divorce that once I had control over my expenses and investments (and my drain of a former spouse was out of the picture) my NW grew at a much more enthusiastic pace.  DH found the same after the split from his first spouse. 

I hope it will be the same for you.

[Gen Y Finance Journey]

I don't keep the best records because my husband has some separate accounts that I don't have in my spreadsheet, and I don't do a great job of tracking the estimated value of our house, but we're looking at something like:

Jan 2015: ~$274k
Dec 2015: ~$344k

My husband quit his job halfway through the year and will be becoming a SAHP in 2016, so given that we're not bringing in as much money any more, I'm setting what I think is a very reasonable goal of $400k by the end of 2016.

[Nudelkopf]

My increase was about $32k this year.

(I think)(I'm on holidays so I can't check my spreadsheet, haha)

[marty998]

Nudelkopf! Where are you holidaying?

[Nudelkopf]

Nudelkopf! Where are you holidaying?

With my parents, so it's not *that* exciting! I just didn't bring my laptop which has my spreadsheet on it (I'm regretting not emailing it to myself because I'm away for 4 weeks).

Did I miss yours, Marty? What was your NW increase?

[marty998]

I get paid in about 10 minutes from now (so sad that I know how when payroll hits my account lol) so if I add that in it will be about $175,000, give or take.

Pretty good year. $100k from that is conservatively revaluing my properties up. The rest is super and cash/mortgage offset. Shares have gone backwards.

[Nudelkopf]

Your property has smashed it this year!

[marty998]

I may have to spend some time up in QLD looking for the next one. Sydney is teetering back and forth on the edge :P

[Nudelkopf]

Oooh, Marty branching out to Qld? It is the best state.. All this sunshine! You should move here :P

[marty998]

Hehe, very tempting nudel...

[Money Badger]

Had a "what the he$$ happened" moment first reading this thread in the December 2014 posts with all those wonderful, crazy gains...   2015 is a bit more "back to reality" with both net winners and net losers so far...   

I tried to update my net worth today, but the market isn't quite done jerking around my energy holdings.   After getting creamed all month, one energy MLP fund went up 12% today alone due to lower oil inventory reports causing "panic buying" and fund leverage.   The rest of the stache is fairly defensively deployed with more than half in cash.   Excluding that interesting energy sideshow, it's up 6% net worth gain on principal this year vs. a Dow decrease -3%+ this year to date.   Not great and not the worst.   Will have to post after New Year's to say how things really turn out though with all the fund managers' window dressing going on right now.

[frizzywhiskers]

Things are coming along nicely......

2012 - $457,388
2013 - $560,203
2014 - $637,679

Not too shabby considering we moved into a new home in 2013 and had lots of extra costs related to that.

Onward to 2015!

Net worth December 29th 2015 - $752,447 - broke the 3/4 of a million mark!  Nice! :o)

[PharmaStache]

2014- 369k
2015- 469k

Exactly 100k increase.  30k more until 500k….huge milestone! Should be there by June.

[Paul | pdgessler]

I'm up about $40k this year, going from roughly $30k in the red (mostly student loan debt, now paid in full) to about $10k in the black. Onwards and upwards!

[Threshkin]

I'm up about $40k this year, going from roughly $30k in the red (mostly student loan debt, now paid in full) to about $10k in the black. Onwards and upwards!

Paul, going from Red to Black is a huge first step.  Keep it up!

[Pooperman]

Yearly increase of about $32k ($25.5k -> $57.5k).

[KittyFooFoo]

2014: -$110k (I think) --> -$60k
2015: -$60k --> $20k

It was -$130k at the lowest.  Woooo!

[aceyou]

Net worth at Beginning of Year: 190k
Net worth at End of Year: 277k
Increase in Net Worth: 87K

Notes:
- 64k of that increase is from increased home value on Zillow, which I think is over inflated.
- Net worth increase not counting home appreciation: 23K.
- My wife and I pay into pensions.  The value of this at the start of the year was 60k and at the end of the year was 100k.  I didn't include that into the numbers above, but technically it's there. 
- My net worth is 378K and it increased by 127K if you include the increase in pension value. 

Milestones:
- Broke the quarter million mark this year for NW
- started 403B and Roth IRA (both vanguard)
- Have a FIRE plan
- Spending less than since I was in college and am happier than ever

[aj_yooper]

aceyou,  your progress this year is amazing!  You have it going.

[MVal]

No official figure for last year and this is the first year I've kept track, but based on what I've added this year, I believe I was worth about $24,500.

2015: added $24,000 between all accounts (401K, Roth, HSA, savings) and plus all that my employer added, my new NW is $50,000.
2016: on track to add $30K across all accounts.

[GoldenNeko]

dec 2011   -8 700 €   
dec 2012   -8 800 €
dec 2013   -4 270 €
dec 2014    1 660 €
dec 2015   13 560 €
         
So networth almost x10 this year (yep, easily done at this low level of stash!)

I discovered MMM at the beginning of the year. I finished this month paying my last debt. I've never felt this wealthy!
FIRE goal is 500 000€, hopefully in 2030.

[MM_MG]

This thread made me curious about our progress.  We haven't tracked NW so I went to Vanguard and just pulled our retirement savings totals for as far back as I could.  Feel pretty good about this, but regret the $ wasted over the years before landing on MMM.  Hoping to see some bigger gains going forward.  :)     

$51,225.09    12/31/05
$80,038.12    12/31/06
$106,744.13  12/31/07
$103,123.87  12/31/08
$162,172.69  12/31/09
$218,666.31  12/31/10
$249,987.31  12/31/11
$320,336.60  12/31/12
$435,649.50  12/31/13
$518,275.26  12/31/14
$593,962.10  12/31/15

[FrugalFan]

Final numbers are in!

January 2015: $775,000
December 2015: $908,767  (a total increase of $133,767)
Hoping to hit 1M in 2016!

Congrats to all of you increasing your NW! Especially those of you killing debt and going from negative to positive. Keep it up!

[Roots&Wings]

Net worth progress -
2012 - $219k (age 30, gross income $82k)
2013 - $315k (age 31, gross income $79k)
2014 - $420k (age 32, gross income $87k)
2015 - $475k

Hoping to meet my financial goals in the next 6-10 years: a paid off house + $1.3M stash to support the 'failproof' 3.29% withdrawal rate via ~80% savings rate, 90/10 asset allocation. The strong market returns will likely not continue indefinitely.
Onwards and enjoy!

[kudy]

My net worth increased about equal to my salary for the year. Aggressive savings + 401k match + market gains + equity in my house!

[RetirementDreaming]

2013: 109k
2014: 255k
2015: 367k

I shouldn't feel disappointed but I do.  We save 90k this year (our highest amount ever).  I was hoping for a 150k increase between contributions and market gains.   Next year we will save 120k, really hoping to hit 500k+.

Just realized I left out home value.  I included the liability but not the value of the home. 

[Cherry Lane]

My net worth increased about equal to my salary for the year. Aggressive savings + 401k match + market gains + equity in my house!

This was me last year.  Isn't that a great feeling?  Mine was fueled by market gains, which I don't have this year.  This year my NW gain is only about half my gross salary, almost entirely due to savings/employer matching.

[Mormon Money Mustache]

2014: $135,500
2015: $266,000

Hoping for a huge 2016 to get up to $500k!

[alphapotato]

As of today... Net worth of $20,000, up from $5,700 a year ago! That's 350%! If I can just keep that up for a couple of years, I'll be able to afford a home in Portland, OR in...a decade or so.

In all seriousness, feels good.

[jorjor]

Okay, after today's drop in the market we are at:

12/31/2014: $132,000
12/31/2015: $272,000

2014 was estimated since I only started tracking in in mid-January 2015. About $20k of the increase is due to home price appreciation which has high transaction costs to realize (it's also estimated on Zillow which is iffy).

I found this site in March. It was a good first partial year working into the MMM mentality. Looking forward to what 2016 brings!

[dmbsux]

I kind of hate all you folks who saw huge NW increases because of home appreciation.  Just kidding!  (Not really though)

Added $49K more to investments this year.  Two kids, daycare, and make only 110K.  So did it the old fashioned way :)

[Money Badger]

2014: -$110k (I think) --> -$60k
2015: -$60k --> $20k

It was -$130k at the lowest.  Woooo!

An $80K jump in one year is impressive.    AND moving to positive NW is absolute awesomeness!

[Jessamine]

2013: 179k
2014: 200k
2015: 340k (80k was from increase in home value)

I've been reading PF blogs on and off for a few years, but didn't find MMM until this year and finally understood what FI means and how to go about achieving it.

[Civex]

For me, 2015 was the year of the Roth.

2014: -$66,200
2015: -$3,910

Change of $62,290; ~$40k of which was via the Mega Roth IRA. All due to investing and paying down my student loan. I am pretty excited to be getting back into the black, and cross into the $100k portfolio this spring (barring a huge drop in the market.)

[samburger]

My tiny baby 'stache started to feel like real money this year:

2013: $14k
2014: $41k
2015: $81k

So that's ~$40k invested this year, less whatever measly gains the market gave me.

Here's hoping 2016 is the year of increasing income!
 

[RFAAOATB]

Approximate end of month numbers especially in regards to home value minus mortgage:

12/2011:  -21,454.61
12/2012:   30,524.88
12/2013:   75,132.59
12/2014:  118,931.06

And the 2015 number is $148,507.67 in a more expensive year with slower returns.  2016 should have an increased focus on pre tax investments and less so on paying down the mortgage.  Not baller status yet.

[Zikoris]

Not as huge a leap as some people, but we increased our net worth by $44,455, from $124,765 to $169,220. We earned a little over 63K after tax combined, so I think we did okay!

[Blindterry]

2013: 256K
2014: 345K
2015: 408K

[Money Badger]

OK, the last 2 days of 2015 were pretty good to us and the result is $48K increase at end of 2015.    Grew just over 3% rate of return on original principal (vs. 1% return on S&P including divy's) plus maxed my 401K basically.   And the best thing was we reduced our overall debt significantly this year.    So to sum it up in football terms, 2015 was not thrilling on offense, but was awesome on defense.  ;-)

John Bogle said in April 2015 that rising rates happening at the end of a major market expansion cycle means returns will be lower than historical averages on both stocks and bonds for a few years and 2015 certainly delivered on this prediction.   So I'll listen to the sage and be patiently looking for buying opportunities in 2016.

Congrats to all who did better %age wise in 2015 though...   Hope your success continues in 2016!

[Zaga]

Invested/paid down debt by $38K, net worth (investments minus debt only) increase of $39K, so a pretty much flat year.

This year was our best savings rate yet at 44.5%!  Aiming for over 50% for 2016.

[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.

[umterp1999]

NW increase of 48K in 2015 to just over 800K.  Not too shabby on a teacher's salary with a stay at home wife for the past two years (supplemented with a lot of stipend positions, such as coaching, and school clubs). Oh yea, I should also be in a position to max out my 403B this year. I have been maxing out the ROTH for a few years now.   We certainly dont live a life of deprivation,  but my friends do tease me about my 16 year old civic.  Still have a ways to go to meet our goals, but I'm enjoying the journey.

[MsFrugalista]

2009: $100K
2010: $152K
2011: $208K
2012: $298K
2013: $445K
2014: $705K (as of 12/23/14)

Update

2015: $875K (that was after putting away $25K in Vanguard Charitable Fund)

[forestj]

How the hell are you people saving 100+k in ONE YEAR? where do you work, Goldman Sachs? Silicon valley? Business owner?  I'm a software engineer, and I'm making 85k a year, or 63k a year after taxes. Seems like you would have to be making about 143k a year before taxes (spending 10k a year) to net 100k after taxes and spending.  I feel like I am getting the wool pulled over.

I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?

[MsFrugalista]

How the hell are you people saving 100+k in ONE YEAR? ...
....
I'm just curious to hear some anecdotes; where do you work? what do you do? how did you get the job?

We have a combined household income (2 people) of ~300K (before taxes, not including potential bonuses). The high income does help with building up the stash faster. in 2015 we had an avg. savings rate of 78% (82% if you exclude mortgage principle). We include our home value as part of our total net worth, but have kept this value at the purchase price (purchased early 2014).

Here is another thread with more anecdotes on salaries and the type of work people do.

[KMMK]

Net worth in 2015 decreased by $2,500, which is pretty good considering I only worked 4.5 months of it.

[MVal]

This thread made me curious about our progress.  We haven't tracked NW so I went to Vanguard and just pulled our retirement savings totals for as far back as I could.  Feel pretty good about this, but regret the $ wasted over the years before landing on MMM.  Hoping to see some bigger gains going forward.  :)     

$51,225.09    12/31/05
$80,038.12    12/31/06
$106,744.13  12/31/07
$103,123.87  12/31/08
$162,172.69  12/31/09
$218,666.31  12/31/10
$249,987.31  12/31/11
$320,336.60  12/31/12
$435,649.50  12/31/13
$518,275.26  12/31/14
$593,962.10  12/31/15

Impressive, I'm so jealous! Just curious about your massive surge in 2009...I assume you dipped in '08 due to the huge recession, but it looks you more than recovered a year later! How did your fortunes change so quickly?