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

[MVal]

Starting NW Jan 2016: $50K
Starting NW Jan 2017: $84K

I am very proud to have raised my NW by $34K in one year with only a $40K salary!

My expenses might go up in 2017 at some point, but I hope to still be able to add $25K or so this year.

[BabyShark]

Didn't start tracking until last year but here goes:

December 2015: $135,962.58
December 2016: $181,753.15

$45,790.57!  Going to shoot for $235,000 next year, an increase of $53,246.85, which is a little ambitious for us, but doable.

[CheapskateWife]

Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K

Holy crap...it is amazing to lay out all our hard work like this and see it happening for real.

The other big thing that we accomplished this year was the DH actually retiring from the military.  I don't have that pension added into our NW number, but what it did do was bring our FIRE number down significantly.  We are FI right now, but I'm continuing to work to feed my OMY syndrome.

DH just got offered a job at my exact pay grade, so once that gets set in stone, we are planning for us to switch places while he goes back to work for 24 months to pay for his expensive car hobby while I take care of the house/kids/MIL.  The freedom, it feels good!

[Jessamine]

2013: 179k
2014: 200k (+21k)
2015: 340k (+140k) [80k was from increase in home value]

2016: 416k (+76k)

I have higher hopes for this year.

[sol]

Keeping the total numbers private, but up about $31,000 for the year. Currently a full time PhD student working part time as a programmer with a gross income of about $40,000. About half of the increase is due to market appreciation, the other half is due to savings.

Don't be discouraged by small progress, be content in the knowledge that you're on the right path.

I was in your shoes not too long ago, overeducated but nearly broke, striving to put a few thousand per year into my Roth.  10 years later my net worth sometimes fluctuates more in a single day than it used to in an entire year.  Stay the course and freedom can be yours.  This entire thread is a good reminder that this plan works.

[Slee_stack]

We were around +$150k for 2016 excluding real estate appreciation and tangible property.

[OurTown]

We are plus $94,000 for the year.  Considering my lack of badassity, that's pretty amazing.

[Longwaytogo]

Thanks Chippewa, ninetyfour and MonkeyJenga!!!

[sparky28]

Nov '13 - $104k
Nov '14 - $142k
Nov '15 - $183k

Day to day, sometimes feel like I'm treading water, it's great to look at the bigger picture.

Nov '16 - $245k.

[Gen Y Finance Journey]

Not counting home equity, our increase was roughly $37k in 2016. Including home equity, it was roughly $96k. Not bad considering I was on maternity leave for 1/3 of the year!

[arebelspy]

Pretty pumped that my 2016 efforts exceeded the previous 3 years combined :)

Nice work!  Last December you really committed more than you have before, and did a bunch of stuff throughout the year to that end:
1) Tracked spending, honestly.
2) Focused on debt reduction--still doing some "fun" activities, but carefully considering if each one was worth it.

I'm not surprised to see you have such success.  I hope you continue those activities this year.  Good luck in 2017.  As always, we're rooting for you!  :)

[NorCal]

12/31/ 2015: $769K
12/31/2016: $1,063K

Total Increase: $294K

2017 Probably won't be as good.  2016 included an incredibly generous bonus for my wife, as well as unintended over-withholding on taxes of about $10K.  It was also a pretty good year for market appreciation.

Was not able to directly view your image, but it did download and then I could view it locally. Here's a more widely accepted PNG format.

Thanks for that.  Good to know PNG works better.  I'm a big fan of that chart in Quicken.

[Pinkman]

All net worth figures recorded on January 1st.
Does not include equity in home, which I approximate is around $30K.

AGE / YEAR / NW / YoY Increase / Comments
33 / 2017 / $328K / +$114K /
32 / 2016 / $214K / +$71K / finally paid off student loans
31 / 2015 / $143K / +$42K /
30 / 2014 / $101K / +$48K / got married; 1-time large expense, but now 2 incomes...
29 / 2013 / $53K / +$33K /
28 / 2012 / $20K / ----- /


Conservative goal is to hit $400K milestone by Jan 1, 2018; hoping for 425K-450K

[HappierAtHome]

From February 2016 to January 2017: $182,746.

Not bad considering that the second half of 2015 and first half of 2016 were the most expensive periods of time in our life to-date.

[MishMash]

Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K

Holy crap...it is amazing to lay out all our hard work like this and see it happening for real.

The other big thing that we accomplished this year was the DH actually retiring from the military.  I don't have that pension added into our NW number, but what it did do was bring our FIRE number down significantly.  We are FI right now, but I'm continuing to work to feed my OMY syndrome.

DH just got offered a job at my exact pay grade, so once that gets set in stone, we are planning for us to switch places while he goes back to work for 24 months to pay for his expensive car hobby while I take care of the house/kids/MIL.  The freedom, it feels good!

Can I just say I am jealous he retired, DH still has 4 years to go and may do more to ensure his three years in rank at retirement.  We just returned from our yearly trip to the warmth we plan on retiring to and each year it gets harder and harder to come back knowing it's soooooo close in the future.

[Goldy]

Dec 2013 - $699,658
Dec 2014 - $859,626
Dec 2015 - $958,149
Dec 2016 - $1,229,319  Increase of $271k

We had a great year relocating to a LCOL area, selling the house for 50k more than expected, and crossed the two comma mark.  This is the first time our NW has increased more than our salary and I suspect it will really start to snowball now.

[arrintonpalmer]

Woo, this starts to really snowball as the years go by!

December 2015: 372000
December 2016: 489000

Increase for 2016 117k, we bought a house with around 13k in the overall transaction costs,  we had a new baby at the end of 2015, and I spent about 7k on farm business start-up.  Mustachianism works!

This year is my last full year in the Army, so we are expecting next year's net increase to be about half this year.

[dogboyslim]

Nov 2016/Nov 2015 - 1 = 11.5%

We are targeting the same for next year, but we need to maintain 8.4% increases in invested assets to hit my FIRE goal by age 50.

ETA: I liked the wr percentage way of discussing this, so I added my numbers in terms of w/r.

If I FIREd today, I'd be at 5.4% wr on invested assets.
Progression if we hit the required min is
2016 5.4%
2017 5.0%
2018 4.6%
2019 4.2%
2020 3.9%
2021 3.6%
2022 3.3%
2023 3.1%
2024 2.8% - FIRE Eligible

Updating for year end, we made 13.5% and are at 5.3% w/r.

[moof]

Investments went from right at 500k to 585k (not perfect snapshots on either, sorry).
Shoveled in $49.4k, largely back loaded, the rest was growth.  Goal is for $55k to be shoveled in this year.

[REfinAnon]

I just checked the numbers on Mint.

December 31, 2015 = $242,037
Net Worth Today = $356,460

An increase of roughly ~$114k! Technically this is cheating a little bit as this is probably picking up roughly $5k of market growth from the early 2017 days.

These are my personal net worth numbers. I'm 29 years old and getting married in December of 2017. My fiance has a net worth of roughly ~$90k. I don't expect 2017 NW gains will be nearly as impressive for a couple of reasons. I doubt the market will perform as well, we will incur above standard expenses as a result of the wedding, and I may take a pay cut to leave my soul sucking but well paid finance job. Regardless, it's my goal to get married with a combined net worth of half a million dollars after all wedding expenses. I think we will get there barring some sort of market collapse.

[marty998]

I just checked the numbers on Mint.

December 31, 2015 = $242,037
Net Worth Today = $356,460

An increase of roughly ~$114k! Technically this is cheating a little bit as this is probably picking up roughly $5k of market growth from the early 2017 days.

These are my personal net worth numbers. I'm 29 years old and getting married in December of 2017. My fiance has a net worth of roughly ~$90k. I don't expect 2017 NW gains will be nearly as impressive for a couple of reasons. I doubt the market will perform as well, we will incur above standard expenses as a result of the wedding, and I may take a pay cut to leave my soul sucking but well paid finance job. Regardless, it's my goal to get married with a combined net worth of half a million dollars after all wedding expenses. I think we will get there barring some sort of market collapse.

Ask for cash towards honeymoon instead of gifts?

Some couple I know have "profited" from their wedding this way...

[LurkerStache]

2013: +8k
2014: +11k
2015: +14k
2016: +26k

Slowly, but surely.

[chaseboy2010]

Glad this thread was started because I hadn't bothered considering that the house may be worth more since we bought it a year ago. Apparently local prices have increased 11.1%. I'm sure prices will stabilize if not crash again at some point, but for now I'll put it in the calculation.

Gains include both purchases/contributions and returns. I've added the investment-only rate of return for each account/asset.

Vanguard (taxable + non-taxable), 62.3% stocks, 37.7% bonds: +$25,815 (6.9% investment return)
Employer 401(k), 80% stocks, 20% bonds: +$39,674 (14.89% investment return)
House: +$54,015 (11.1% average price increase for city)

Total: +$119K

[Irish in Valencia]

-15k last year to minus 1,985 this January.
Aim to be at 18k january 2017

[HAPPYINAZ]

-15k last year to minus 1,985 this January.
Aim to be at 18k january 2017

nice work!  Keep it up! 

[DavidAnnArbor]

My invested assets grew 15% in 2016.
5% was from adding to the investments by saving/living frugally.
10% was from mainly stock market returns/a little from bonds.

[FrugalFan]

This is one of my favorite threads. It's so great to see how big changes can accumulate over time. Congrats to everyone making progress!

Our NW increased by $179,000 this year, our largest increase yet. We also passed 1M NW. It was a great financial year! Goal for this year is a 170k increase in NW.

[CanuckExpat]

About a $330,000 Networth increase for us, perhaps our last large net worth increase ever as wife and I both quit our jobs this year
About $100,000 of that was from appreciation and capital freed up when we sold our primary residence.

1/1/2016      :   $851,955.14
12/31/2017   :   $1,183,264.32

[Heckler]

Net savings rate 64%, increased investments value by $115,589 since Jan 1, 2016 - $17,000 ahead of plan!

Also paid off the mortgage after 13 years in a HCOL area in February, which really helped out in those investments.  Thanks MMM for not letting me buy a Porsche!

put another way,

Investment assets total value % increase YtY:

Jan 2014 - Jan 2015: +7.4% getting my MMM feet wet, moved to index investing
Jan 2015 - Jan 2016: +24.3% increased savings rate, still paying off mortgage
Jan 2016 - Jan 2017: +41.7% paid off mortgage, moved mortgage payments to investments

Not bad - no wonder the market keeps going up.  ;)

[FrugalAaron]

I'm adding my small net worth here to keep myself honest on chasing 2017 Goals.

I had a failed business venture and 3 years of not earning a salary lead into some decent debt in 2016. I'm happy to say over the next year I'm hoping to move past the 100,000 mark of net worth.

Jan 2015 -20,000
Jan 2016 40,000
Jan 2017 Goal 100,000

[EscapeVelocity2020]

I'd have been happy just having another positive year.  Oil and gas has sucked lately, so still having a job is reassuring.  As the year went by, I figured I'd be positive, but meh.  Thought Hillary would get elected and I'd muddle through.  Then we had the end of year bull market and I'm up over 15% on a massive and conservatively invested 'stache!  Who would've ever thought I'd be doing the backstroke a la Scrooge McDuck in my later years having internalized the Duck Tales mantra 'work smarter not harder' as a kid!  Life is good when it all goes according to plan (and better, when least expected).

But I don't expect this to last.  Even, at this point, if it lasts another year or two, it is underpinned by finagling that will need to be hedged against (like the dollar weakening, inflating spiking, or real estate falling in value).  But if we can digest these gains and stay flat or somewhat average for the rest of my existence, life will have been exceptionally good! 

[Exflyboy]

I'd have been happy just having another positive year.  Oil and gas has sucked lately, so still having a job is reassuring.  As the year went by, I figured I'd be positive, but meh.  Thought Hillary would get elected and I'd muddle through.  Then we had the end of year bull market and I'm up over 15% on a massive and conservatively invested 'stache!  Who would've ever thought I'd be doing the backstroke a la Scrooge McDuck in my later years having internalized the Duck Tales mantra 'work smarter not harder' as a kid!  Life is good when it all goes according to plan (and better, when least expected).

But I don't expect this to last.  Even, at this point, if it lasts another year or two, it is underpinned by finagling that will need to be hedged against (like the dollar weakening, inflating spiking, or real estate falling in value).  But if we can digest these gains and stay flat or somewhat average for the rest of my existence, life will have been exceptionally good!

Hey EV.. I can see how perhaps we might be flat to down for a few years but gosh, your only 43 dude I would expect some growth between now and when you depart this Earth..:)

Incidently.. What do you mean by "conservatively invested"? At 15%  that bears my 80/20 ETC portfolio, so I'm assuming your are more aggressive than 80/20? stock/bond.

[neophyte]

I started tracking spending and savings in April, so for the last 9 months of 2014 my net worth increase was $8846 during that same time my spending was $9783.  Seeing it spelled out like that makes me feel like it was hardly worth it.

Here's my 2014 post, I can't find one for 2015. In 2016 I saved $18,983 (including employer contributions). My net worth increased by $43,208.  For comparison sake my gross wages were $36,896 and my take home was $13,740. For me that's a pretty impressive increase.

A good chunk of that was finally becoming vested at work so I added a several years of employer contributions to my retirement account all at once.

[hidetheloot]

Code: [Select]

DELTA
Net Worth 2009 0 0
Net Worth 2010 10,000 10,000
Net Worth 2011 44,772 34,772
Net Worth 2012 55,982 11,210
Net Worth 2013 172,493 116,511 #grew a mustache thanks to coworkers
Net Worth 2014 279,041 106,548
Net Worth 2015 383,318 104,277
Net Worth 2016 521,220 137,902
# hoping to majorly cut back on spending, and not have health expenses - +150-170 -- maybe :S


[BTDretire]

  For some reason I  didn't do a 2015 year end tally, so this is for 13.5 months.
11-17-15 to 12-31-16, increase of $166,763.

Our 6 year average gain from 12-31-10 to 12-31-16
$880,948 \  6 =  $146,824

 I'm older than most at 61 yrs old.
We are FI, I retired 9 days ago, my wife still works.
I don't expect to add anymore to our savings except for market returns.
All of my wifes earnings will go to meet our living expenses and get one of our kids
through 5 more years of dental school, the other through two more years of college.
 I hope to not need to touch our savings for at least 5 more years.
Got my fingers crossed on that.

[Ambergris]

Income during this period was ~72k; these are my NW numbers for this year:

12/31/2015: 567560
12/31/2016: 674842

Difference: 107282
Actual liquid FI funds: 572447
That's a lot more than I thought it would be: contributions were approx 40k.

I'm feeling encouraged.

[shanghaiMMM]

2012   55,982   +11,210
2013   172,493   +116,511

Wow!

Look at the difference when you grew a mustache! Good work!

[nora]

Ours increased 300000. Unreal.  I never would have believed it if I hadn't written it down. From 650000 to 950000. Most of that was home equity, some super (Australia) also, and some credit card debt reduction.

Jan 2017 950000
Jan 2016 642000
Jan 2015 445000
Jan 2014 190000
Jan 2013   90000
Jan 2012  -15000

I feel the same as Marty in that we haven't really got much outside home equity and super as yet. But also hoping to improve on that in 2017. We are each about 40yo so 20yrs to get through before super can be used. My husband retired this year, and I am going to work casually and hopefully have another baby (we have a 4 year old also). And we have plans to rent the three spare rooms in our house this year to homestay students or similar, and possibly our caravan on airbnb so that will be an interesting experiment.

[marty998]

Wow $300k is amazing. Good luck with the AirBnB, hope it all goes well. Husband going to be a stay-at-home dad?

You'll save a ton on childcare :D

[JustDave]

Getting there ... I'm happy with the gains considering it's on a single income (wife stays home with the kids)

12/31/13  $205,920.33
12/31/14  $239,488.26
12/31/15  $275,467.81
12/31/16  $324,591.54

Numbers don't include home equity.

I love tracking this ... it's so motivating.

[aboatguy]

BLUF  $ 103,604.00


I don't count my entire net worth (house is way up but it could go down again and vehicle assets like my 1948 Harley Davidson fluctuate in value don't worry all of  our vehicles are beyond the depreciation curve IE they are desirable and now going up or they are just old and worth scrap value

Anyway  by the end of the 2016  credit card debt   (zero, zilch nada) so

Paid off CC debt of  $33,998
Investments/Cash= 69,066

For a net increase in liquidity of  103,064

Personal capital shows a number more than triple what I posted  but in my opinion it is wrong!


The good news is now my wife understands the value of not running up credit cards and holding balances on them.


Mike that guy that is doing OMY again.
(Still working but now we have money left over from my pension income)

[nora]

Wow $300k is amazing. Good luck with the AirBnB, hope it all goes well. Husband going to be a stay-at-home dad?

Trying to decide between airbnb, flatmates and homestay students but I think the homestay thing would be less work as less demanding and less cleaning since they stay longer. Flatmates might be too long. Yes stay at home Dad now, going ok he thinks.

[BabyShark]

Didn't start tracking until last year but here goes:

December 2015: $135,962.58
December 2016: $181,753.15

$45,790.57!  Going to shoot for $235,000 next year, an increase of $53,246.85, which is a little ambitious for us, but doable.

I was looking at this post for something and realized I have literally no idea where I got these numbers from.  They don't even match other months numbers.  I'm beyond confused...

Actual NW appears to be:
December 2015: $109,862.69
December 2016: $192,609.41

An $82,746.72 increase!?  Holy cow, that does not seem real to me.

[makinbutter]

Me too, me too!

Jan 2015: 220k
Jan 2016: 270k
Jan 2017: 360k

Super hopeful for hitting around $450k this year if the markets cooperate (Emerging Markets, I'm looking at you).

Back to the salt mines, happy new years everybody

[Vaulter]

Making good progress!

Dec 2011: -280k   (school loans...)
Dec 2012: -120k   (+160k; sold house)
Dec 2013:   -95k   (+25k)
Dec 2014:   -70k   (+25k)
Dec 2015:    67k    (+137k; school is paying off with a great new job)
Dec 2016:  206k    (+139k)

[prettypaperwork]

December 2015:  -$43000ish
January 2017:  $26187

Started working full-time in November 2015, starting maxing out 403(b) in June 2016, maxed tIRA and paying off bad debt helped.

[Ocinfo]

$101,000 increase in investment accounts with another ~$10k in low interest debt repayment and rental property principal so around $111k total NW increase during 2016.


Sent from my iPhone using Tapatalk

[Freedom2016]

We are up $108K this year, to $931K. Not bad considering I left my job last year to strike out on my own, and I am the sole breadwinner for our family at the moment.

[techjunkie91]

Been a good year finally turning it all around.

1/1/2016 - NW -$36,577.56
12/12/2016 - NW +$8,616.02

NW change on year $45,193.58 or %125.6

[FrugalFan]

Congrats on getting to positive! You will be amazed at how quickly things can increase if you stick to it.